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structuredsettlements
Stamford, CT USA/ New York City Metro Area
John Darer is a Structured Settlement Expert, Master Structured Settlement Consultant, Registered Settlement Planner, Certified Financial Transitionist, Settlement Planner and Sudden Money Advisor
Interests: music, photography, movies, soccer, cycling, traveling, boating, gourmet cooking, theatre, engaging discourse, hearing different points of view and learning from others, social media and of course, blogging!
Recent Activity
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Structured settlement receivables were often falsely promoted as annuities by companies with no insurance, financial advisory or securities licenses, operating in a gray area. A decade on, legal cases reveal a growing body of victims bubbling to the surface like coffins in a flood. Continue reading
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Pacific Life & Annuity Services, Inc., is the qualified assignment company for all Pacific Life branded structured settlements and include underwriting companies Pacific Life Insurance Company in all states but New York and Pcific LIfe & Annuity company for all claims with touch points to New York. Continue reading
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Pennies on the dollar merchants who buy structured settlement payment rights, are not structured settlement companies. Instead of all the from funda cheese, why can't these companies just call themselves what they are? Continue reading
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There are gaps in the regulation of Structured Settlement Transferees. We're not speaking of inducing Fifi the Frenchie to give a high five with a treat. Fifi is being rewarded for good behavior. Pennies on the dollar is not a treat for the structured settlement annuitant's good behavior. Continue reading
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There are gaps in the regulation of Structured Settlement Transferees. We're not speaking of inducing Fifi the Frenchie to give a high five with a treat. Fifi is being rewarded for good behavior. Pennies on the dollar is not a treat for the structured settlement annuitant's good behavior. Continue reading
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Stack formation is a "fake it 'til you make it" marketing deception where a young company "stacks" years of experience of multiple individuals to create an illusion that a young company has been around for a long time. A more honest and ethical approach of using an average of the years of experience. Continue reading
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It's so disappointing when so-called experts providing independent professional advice about structured settlement factoring, can't articulate the fundamentals of the business upon which they are providing independent professional advice? How can any consumer feel confident in such advice? Continue reading
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Pacific Life offers competitively priced fixed structured settlement annuities, index linked structured settlement annuities (ILAPA) and has a variable structured settlement annuity in development. Pacific Life & Annuity Company also issues structured judgment annuities in New York cases. Continue reading
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Today the A++(Superior) A.M. Best rated USAA Life insurance Company is a highly respected issuer of structured settlement annuities for a wide spectrum of claimants, particularly competive for long duration cash flows . Continue reading
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Bair/Milestone no longer hold appointments with Berkshire Hathaway, Pacific Life, New York Life and The Prudential Insurance Company of America effective May 31, 2022, according to New York Department of Financial Services at time of publishing, Continue reading
Bear in mind that the BEST that Rhett Wadsworth and We Pay More Funding have to offer consumers is nothing more than pennies on the dollar. There is nothing unique about pennies on the dollar regardless of whether you "roll 'em or stack 'em". Continue reading
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The apparent collapse of structured settlement factoring company Client First Settlement Funding has left structured settlement investors scrambling with some having faced delays in receiving due to the apparent failure to employ a back up servicing company. Continue reading
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Even with all the value that merely pennies on the dollar will buy, Black Square Financial promotes the following falsehoods (1) Implication that you can restructure an existing structured settlement. (2) Statement that you can take control of a policy (that you do not own). (3) " Structure your policy" Continue reading
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Partial Summary Judgment granted to Investors (1) Investors are the owners of and have the right to receive payments arising from the Payment Streams; (2) Genex has no right, title,or interest in Keefer' Payment Streams; (3) Genex had and has no right to withhold, sell, or reassign the Keefers’ Payment Streams. Continue reading
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The hammer is coming down on the possibility of any investors in factored structured settlement payment rights, deriving any benefit from insolvency protections designed to protect buyers of annuities and life insurance. Continue reading
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The risk for people who are already invested in other people's structured settlement payment rights is that the exclusion is applied retroactively and they have no protection in the event of insolvency of the underlying annuity issuer or bankruptcy of the qualified assignment company. Continue reading
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Do you own a virgin structured settlement? Have you been solicited by a structured settlement buyer, seeking to buy your structured settlement payments before the structured settlement annuity was even issued or soon after it was issued? Continue reading
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Structured settlements provide sustainable cinome for injury victims and their families. Sustainable income is income which is consistent and steady over time. Sustainable income provides a level of calm and clarity while things are in flux and pave the road to the new normal. Continue reading
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Are investments in structured settlement payment rights suitable for tort victims? In rare circumstances and after careful deliberation. Buying fixed annuities doesn't require a court order to be concluded or have such an exposure to transactional risk as do factored structured settlement investments. Continue reading
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Are investments in structured settlement payment rights suitable for tort victims? In rare circumstances and after careful deliberation. Buying fixed annuities doesn't require a court order to be concluded or have such an exposure to transactional risk as do factored structured settlement investments. Continue reading
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Client First Settlement Funding is "Missing in Action" while seniors who bought structured settlement payments as an investment have not received payments because proof of living from the underlying annuitant has not been provided. Continue reading
In Private Letter Ruling PLR-119273-97, the IRS concluded that the lump sum received from the sale of structured settlement payment rights retained the same tax treatment that it was accorded prior to the structured settlement factoring transaction. Continue reading
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The dregs of the structured settlement secondary market have long exploited Indian workers to support their SEO efforts. Emphasis on quantity over quality results in an ebb and flow of flotsam and jetsam, rich in malapropism, but of little benefit to American consumers. What a pity. Continue reading
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What's going on with Client First Settlement Funding of Boca Raton FL? A senior investor has allegedly past due life contingent structured settlement payment rights. The annuity issuer Symetra is waiting for a proof of living from Client First. No answers from Client First. Just crickets. Continue reading
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On May 13, 2022, I received a bogus DMCA takedown, similar to what Professor Volokh received, which revealed more plagiarized content from yet another one of our blog posts, this one concerning Richart Ruddie's being sanctioned in the Myvesta Rhode Island matter and again backdated to mislead. Continue reading