Cut through the crap here! Structured settlement information and news, settlement planning issues/ ideas, alternative deferred payment solutions, muckraking commentary, exposes from The Structured Settlement Watchdog™ and expert opinion that may be helpful to attorneys, claimants, adjusters, judges, the news media and interested others, delivered with a dash of humor and occasional irreverence. Check back daily for something new, or simply ask structured settlement expert John Darer™ directly 888-325-8640
The American College has developed a new health care focused professional designation program for financial advisors to set themselves apart. The full designation program Chartered Health Care Consultant™ (ChHC™) is comprise dof 6 coursed, 5 of which are required and the other an elective. The first two courses "Essentials of Health care Reform" and "The Health care Consultant" earns a certificate.
The Essentials course "covers all of the mandated changes and time lines, how state exchanges and the "navigator" roles will work, grandfathered plans, compliance and review procedures, the impact of health care reform on other laws, and more" while the second course "gives you the tools you need to move your practice to a consulting-based model, covering federal and state regulations, the new role of advisors and consultants in health care, and the health care planning process".
The American College courses give settlement industry participants new options for learning and professional credibility. Those who earn its major professional designations, or certain other degree/designations such as JD, CPA, CFP also enjoy the opportunity to become members of the "credential only" Society of Financial Service Professionals which offers more learning resources and among other things a professional E&O program that appears to provide some coverage for placement of structured settlement annuities and other financial products at a very reasonable cost.
The Chartered Special Needs Consultant Program, which culminates in a new professional designation offered by the American College, educates financial professionals so they thoroughly understand the intricate tax law, trust law and government programs that impact the care of a person with a disability.
Says Allen Mclellan, associate dean at The American College in the June 2011 edition of Best's Review (p57) "Parents have to plan not only for their own retirement, but for maybe decades of care for that (special-needs) child as well"
The requirements
Hold CLU, ChFC, CFP designations or the MSFS degree
Have three years experience in financial services
Complete the following three courses:
The Psychology of Disability (HS375)taken by self study
Legal and Financial Issues for Special Needs Families (HS376) taken by self study
Financial Planning for Special Needs Families, a live two and a half day seminar
All three courses culminate with a final exam.
The ChSNC program is exclusively available to MassMutual representatives through June 30, 2013, due to that company's extensive investment in the overhaul of the program, after which it will be "put out to the broader public".
Looping back to the settlement profession, I've long said if settlement consulting or planning was just the matter of quoting a structured settlement annuity, anybody could do it. Mclellan sums it up nicely in Best's Review when he states " It takes a special knowledge and sensitivity, and quite frankly not every body's going to be able to do it."
In announcing a new version of a seminal text, the National Structured Settlements Trade Association states that a professional designation IT awards is "offered at the University of Notre Dame Mendoza College of Business" when it is merely hosted at the University (see else where in NSSTA website "By hosting the NSSTA CSSC Program at Notre Dame..."). A search of the University of Notre Dame school's website comes up empty on a search for "Certified Structured Settlement Consultant" on May 2, 2011 @930am EDT.
Unless those that actually award the designation (i.e. NSSTA) set a proper example, how can a new generation of Certified Structured Settlement Consultants be expected to properly characterize their credentials to the public?.
Lest we forget... a "pre-Pilates program" history lesson from The Structured Settlement Watchdog™ in 2009:
The structured settlement watchdog cares about the structured settlement industry and the value provided by the Certified Structured Settlement Consultant Designation education program. He earned the CSSC after "4 Days In The Vicinity of Touchdown Jesus" in 1995.
The Securities and Exchange Commission has expanded the CFP Board of Standards' power to discipline advisors now that it has made it clear that Registered Investment Advisers (RIA) and broker-dealers can provide client information to the board without violating a privacy rule and facing an SEC enforcement action.
Advisors often have cited Regulation S-P, a federal privacy rule, as the reason they could not share client information with the CFB Board of Standards concerning a customer complaint. SEC has now sent the CFP Board a "No Action" letter that says the SEC staff will not bring an enforcement action against a broker-dealer or registered investment advisors that shares non-public personal customer information with CFP Board. While Regulation S-P is intended to protect the privacy rights of customers, the No Action letter acknowledges that protecting the public from criminal and improper conduct is paramount to ensuring investor confidence, the Board says.
A number of participants in the structured settlement industry are CFPs or financial advisors and a number of structured settlement brokers , settlement planners and firms have relationships with financial planners and advisors. Perhaps the expanded power of the CFP Board will impact sectors of the structured settlement industry. As has been documented here over the years, despite having a published code of ethics, unfortunately, the National Structured Settlement Trade Association (NSSTA), which awards the Certified Structured Settlement Consultant designation, has historically failed to enforce its own code of ethics.
Several years ago the structured settlement watchdog started ragging on certain Certified Structured Settlement Consultants for credential puffery, with some doing themselves no favors by citing the incorrect name of university they claimed awarded their professional certification. These appeared on company websites and in Social Media such as LinkedIn. I'm not going to name them because I am too ashamed and embarassed for the structured settlement industry and the apathy of the few.
But if YOU have interest in scavenger hunts, try Googling "CSSC Notre Dame University" or " Certified Structured Settlement Consultant Notre Dame University".
University of Notre Dame is South Bend, Indiana. Notre Dame University is in Zouk Mosbeh Lebanon. One of them hosts the Certified Structured Settlement Consultant educational program over 4 days and the other doesn't. Most significant is that neither university actually awards the designation, the National Structured Settlements Trade Association does.
The structured settlement watchdog "shaking things up"
The remaining shameless credential puffers of the NSSTA have a new "role model" in Christine O'Donnell, the Delaware Senate nominee. According to "The Sarge", Greg Sargent over at the Washington Post, in this article, O'Donnell listed the following under education on her LinkedIn profile.
University of Oxford
"Post Modernism in the New Millennium"
It turns out it was just a course held in rented space at Oxford and held by The Phoenix Institute.
According to "The Sarge", Chris Fletcher, who oversaw the Institute's 2001 Oxford Summer
Programme, which included the course O'Donnell took, said the course
was not overseen by Oxford.
"We never represented it as a course run by Oxford University,"
Fletcher, who is now an assistant professor of religious studies at
Benedictine University in Illinois, told " The Sarge". Fletcher said the only
connection to Oxford is that they rented space there and organized some
lectures with "guest lecturers from Oxford and Cambridge" as well as
from other institutions."It was our curriculum, and we did the grades," Fletcher continued.
Fletcher's conclusion about O'Donnell's Oxford claim: "It's misleading."
The hot air may smell eerily familiar to some members of the National Structured Settlement Trade Association who apparently felt that 4 days in the vicinity of "Touchdown Jesus" was enough to make them one of the "The Fighting Irish" or part of its $90,000 ,Executive MBA program, or having fulfilled the post graduate requirements at University of Notre Dame for chump change.
My October 2009 podcast on Credential Puffery
As to Christine O'Donnell, she took "fake it 'til you make it" too far. Her supporters have to understand that she is supposed to be a role model. As a nation we've already suffered from an elected official who lied under oath and on national TV.
Pressed into action In the "wee hours" of the morning it required a four alarm "fire hydrant job" for the structured settlement watchdog and pals to respond to reports that James Adler, a New Yorker of 431 East 72 Street New York NY 10021, was held out as a "structured settlement legend" "a decade long structured settlement certified expert" in this press release and on this website.
Sounds impressive until you ask the questionwhat "structured settlement" certifying board or authority "certified" Mr. Adler?
There is the Certified Structured Settlement Consultant (CSSC) offered by the National Structured Settlement Trade Association (NSSTA) in cooperation with the University of Notre Dame
There is the Registered Settlement Planner (RSP) offered through the Registry of Settlement planners Board, in conjunction with Texas Tech University.
Mr. Adler doesn't appear to have any of these professional certifications.
The National Association of Settlement Purchasers (NASP) does not appear to sponsor any professional designation in an industry whose professionals operate WITHOUT even a licensing requirement.
It would appear that Mr. Adler is a legend in his own mind.
The structured settlement watch dog projects the yellow stream on Mr. Adler because the last thing the structured settlement industry needs is someone to undermine the credibility of the industry through the puffing of credentials. It's OK to market yourself and the subject matter. Just don't puff!
Adler is quoted as saying:
“I was recently at get-together of financial experts on 5th avenue in New York
City, and not one of them was investing in structured settlements. It got me
thinking: if the big guns of Wall Street don’t know about this, what are the
odds that the average American does?”.
Earth to Mr. Adler: With a "decade of experience" you should already know that Wall Street's big guns DO know about structured settlements. Cue domestic and foreign institutions and hedge funds investing in JG Wentworth, Stone Street Capital, Peachtree and others. And I have been writing about the individual investor segment of the buy side of the market for the last 9 months!
Among Mr. Adler's recommendations... borrowing money from a bank to buy structured settlement payment rights. If the spread is big enough (to make the arbitrage work) perhaps . But that means there's a greater chance that the annuitant is getting screwed.
What has New Yorker James Adler done to earn your trust when it comes to structured settlements?
A March 8, 2010 article in Investment News states that the Certified Financial Planners Board of Standards Inc. ("CFP Board") disciplinary and ethics boards have been
operating at heightened levels of activity due to problematic behavior by CFP
certificants arising, in part, from the market problems of 2008 and 2009.
Kevin Keller, the CFP Chief Executive was quoted as stating “There's been an unfortunate increase in the number of interim suspensions
over the past year,” he said, “and our caseload is going up as well.”
While temporary revocations of the right to use the CFP mark are increasing,
the number of full-time dismissals of certificants and notifications to
regulatory authorities has dropped in recent disciplinary hearings. “That shows
we work hard to ensure that our process is fair”.
The CFP board's enforcement unit plans to begin issuing
private-letter rulings to give certificants more clarity about
how their practices intersect with the group's ethical standards. The
organization has been increasing its outreach to insurance companies, mutual
fund companies and other financial services firms, whose push of proprietary
products and services sometimes comes in conflict with the obligations of
employees or affiliated contractors who hold the CFP designation.
The efforts are aimed at balancing the group's campaign to promote its
certification as the highest standard for financial planners, with its goal of
popularizing the certificate, which is now held by about 61,000 individuals. A competing professional designation, the Chartered Financial Consultant ("ChFC") offered through the American College, has over 97,000 designees "at last count" according to the American College.
Keller is also quoted to emphasize that “It's always unfortunate when financial planners make decisions that merit
discipline, but it's important for the public to see that our disciplinary
proceedings have teeth...The CFP Board is the only one of more
than 100 financial planning standard groups that enforces its code of
ethics.”
This author, John Darer, has often called into question the enforceability of the code of ethics of the National Structured Settlement Trade Association and the Society of Settlement Planners in the past. Some of his more aggressive efforts address issues such as credential puffery, the structured settlement transparency initiative, paid for testimonials and exposing the ethical duplicity of marketing plaintiff exclusivity contemporaneous with a signed declaration to the United States Department of Justice, under penalty of perjury, that renders the first statement impossible (under the mutually exclusive theory of logic).
With regime change at NSSTA coming July 1, 2010 this author hopes that incoming Executive Director Eric Vaughn and the new NSSTA Board take inspiration from what the CFP Board is doing.
I also toss an olive branch out to the factoring industry. NASP, please show us that your code of ethics has teeth!
The following is an excerpt from a recent communication from an NSSTA member firm to its members concerning advertising of the Certified Structured Settlement Consultant (CSSC) professional designation. There are still alot of people flouting the NSSTA guidelines. Kudos to this unnamed firm!
"Hello!
Fellow members of the industry, NSSTA and the University of Notre Dame have expressed concerns regarding the way CSSC designations are listed on bios of structured settlement brokers. To be clear, Notre Dame does not have a CSSC program. Rather, the CSSC designation is offered by NSSTA in cooperation with the Notre Dame’s Executive Education Department. For this reason, CSSC designations should not be listed as having been received from Notre Dame.
To help ensure the CSSC designation is accurately described, NSSTA has provided sample language (below) for broker use. If you have the CSSC designation, your bio will automatically be edited to comply with the description below. If you would like to edit other components of your bio at this time, please forward your revised bio copy as soon as possible. Please note that the only acceptable means for describing your CSSC designation are as stated below.
Thanks!
Sample Resume Language
The CSSC is administered by the National Structured Settlements Trade Association (NSSTA) and developed in cooperation with the University of Notre Dame Executive Education Department.
Certified Structured Settlement Consultant (CSSC) – The CSSC certification designates individuals who have demonstrated competency in all areas of structured settlement consulting. The CSSC is administered by the National Structured Settlements Trade Association (NSSTA) and developed in cooperation with the University of Notre Dame Executive Education Department.
The Certified Structured Settlement Consultant (CSSC) program is administered by the National Structured Settlements Trade Association (NSSTA) and developed in conjunction with the University of Notre Dame Executive Education Department. The CSSC is the structured settlements industry’s oldest and most respected designation, establishing educational standards for structured settlement professionals throughout the nation. The CSSC program consists of more than 80 hours of classroom and study culminating in a comprehensive examination and provides an objective measure of an individual's broad-based knowledge and competency in structured settlements".
Message to the stragglers...Unless you enjoy seeing your firm's or your firm's members names in lights perhaps you should consider reviewing your company's bios and marketing materials and if there are any offenders, then generating somehing similar to your own members.
CREDENTIAL PUFFERY, WHETHER INTENTIONAL OR UNINTENTIONAL IS MISLEADING AND MAY VIOLATE THE LAW. HELP STAMP OUT CREDENTIAL PUFFERY IN THE INDUSTRY BY REVIEWING YOUR OWN BIOS, LINKEDIN PROFILES AND MARKETING MATERIALS AND THOSE OF YOUR COLLEAGUES.
Patrick Hindert is a co-author of the text Structured Settlements and Periodic Payment Judgments along with Joseph J. Dehner and Daniel W. Hindert. This author submits that the credibility level of former President of NSSTA and former Executive Director of SSP has been in decline for some time. Like the star athlete who refuses to go out with a blaze of glory and instead plays beyond his prime to go out with a whimper, HIndert persists and, in the opinion of this author is slowly destroying his legacy. Perhaps he should hang up his boots.
Among the growing list of reasons:
Mischaracterized, in a public forum, a white paper presented to NASP, by a bankruptcy lawyer concerning the question of the effect of bankruptcy of annuity servicing company on the annuitant and the settlement purchaser. HIndert referred to these as "structured settlement bankruptcies" .
In addition to the mischaracterization referred to in #1, Hindert has been totally silent on the issue of the Chapter 7 bankruptcy of structured settlement annuity servicing companies, despite asserting that "while some settlement planners may discuss the secondary market with their clients, most primary market structured settlement advisers do not".
In another sign of his waning influence, Hindert been totally silent on the $1B Scott Rothstein scam which initially had grossly mischaracterized structured settlements. One can only imagine that he didn't deem it an important enough story.
Has mischaracterized that IRC 5891 is a "settlement planning section" of the Internal Revenue Code
Produced a structured settlement history chart which misses significant pieces of structured settlement history
Has mischaracterized IRC 5891 as conferring special rights on plaintiffs to receive periodic payments.
Repeatedly mischaracterized and attempted to broaden the definition of structured settlement found at IRC 5891(c)(1) with no basis.
Mischaracterized cash now pushers and false advertisers as structured settlement thought leaders
Devoted 5 blog posts in Fall 2008 to generalize a random non statistical sample of a small number JG Wentworth clients as as if it were a valid statistical sample of annuitants that sell structured settlement payments. Hindert has subsequently "pimped" NYU Law student Jeremy Babener's paper on the dissipation myth, a core element of which is the alleged lack of empirical evidence.
Shot himself in the foot by describing a widely circulated "statistic" about dissipation of lump sums by injury victims as a "pernicious myth" in showcasing Jeremy Babener's Dissipation paper when a foot note in the paper actually places Hindert as one of the originators of the "myth" in his testimony to Congress in 1982. Moreover Hindert's pedantic promotion of Paralympian Randy Snow in August 2008 actually expands what he calls the "perniccious myth".
Self promoted as an expert on Web 2.0, HIndert has historically demonstrated an inability or unwillingness to grasp how to control spam comments that associate structured settlements with unrelated product.
Trashed certain life insurance companies, like AIG in 2008, with "sea gull dump" failing to report subsequent and material ongoing developments. Hindert has recently been seen or heard sucking up to the same companies now that he is Executive Director of Forge subsidiary, TSSG.
Purportedly has been running his mouth off to some that his purpose as Executive Director of TSSG is to set up Forge Consulting's defense arm. Forge Consulting is universally presented to plaintiff lawyers as a plaintiff-exclusive settlement consulting company.
Secure Structured Settlement Quote Form Click Here If You Are Currently a Party to a Personal Injury or Wrongful Death Law Suit or representing, or insuring one of the parties. This link is NOT intended for people who already have structured settlements.
About The Structured Settlement blog
STRUCTURED SETTLEMENTS 4REAL™ Blog IS A POPULAR SOURCE OF NEWS AND INFORMATION ABOUT STRUCTURED SETTLEMENTS, Settlement Planning, Deferred Income Planning Solutions and Litigation Recovery Management,
with a stable readership targeted to settlement professionals, financial professionals, lawyers, injured persons and their family members, guardians, survivors, judges, magistrates, special masters, mediators, administrators, trust companies, insurance companies, financial advisers, insurance regulators, government leaders, the media and other interested parties.
Established in 2005, currently ranked in the Avvo Top 30 (May 7, 2012) of legal subject matter blogs, with a Top 35 all time blawg ranking by Justia, this blog has been among the most prolific, providing fresh structured settlement, settlement planning and litigation recovery management content and commentary virtually every day! Structured Settlements 4Real™ is authored by an experienced structured settlement expert and Registered Settlement Planner, John Darer™, CLU ChFC CSSC RSP, President of Stamford, Connecticut based 4structures.com, LLC, (be aware that a lot of material found on the Internet purporting to be about structured settlements is written or "scraped" by those that aren't credentialed experts). WHAT YOU GET here is the straight stuff with a touch of irreverence and humor.
Subscribe to this blog through your blog reader, or through the Feedburner or Feedblitz links on this page. Fans of 4structures.com, LLC on Facebook, Friends of John Darer™ on Facebook or followers of JDDarer™ on Twitter may also receive select content.
Consider "book marking" or marking Structured Settlements 4Real™ as a favorite so that you can return later and use it as a reference.
Come back soon or subscribe through your blog reader!
Structured Settlements Guide
Structured Settlement Lock-Ins What Does a Structured Settlement Lock-In Mean? How do you benefit from a rate lock in? Where to be careful in using lock ins.
Structured Settlement Annuity Company Customer Service Phone Numbers HUGE time saver if you already have a structured settlement. Very useful list from 4structures.com, LLC, which includes both current AND former structured settlement annuity issuers. No need to be frustrated if you have simple bank or beneficiary changes
Structured Legal Fees for Tax Deferral A financial strategy that offers many benefits to lawyers and law firms. In 2011, there are now multiple product solutions. Plan NOW for year end 2012! Put structured attorney fee experts on your team.
Treasury Funded Structured Settlements A settlement option for the most conservative using the OTHER permissible qualified funding asset under IRC 130(d), United States Treasury Bonds in addition to, or instead of structured settlement annuities
Structured Settlement Annuity Companies List of Structured settlement annuity companies and financial ratings from AM Best, Moodys, Fitch, Standard & Poors and links
Rated Ages and Structured Settlements Impaired Risk Rated Ages for Structured Settlements and Annuities advantages all parties. Boost your structured settlement annuity benefit or your yield on lifetime payments.
How Do Structured Settlements Work? Structured Settlement Diagram The Structured Settlement Process explained in 3 bullet points. Includes a helpful structured settlement flow chart/diagram which shows how structured settlements fit in with other settlement planning solutions.
What is a Structured Settlement? A general explanation of structured settlements including the tax basis that give structured settlements their "juice".
Video Podcasts Featuring John Darer™ Click here to watch video from Legal Broadcast Network and Speaking of Settlements podcasts and other sources, featuring structured settlement expert John Darer™ .
New York Structured Settlements Over 50 pages of useful information and ideas about structured settlements, settlement planning and litigation recovery managements for New York residents, New York Lawyers and New York judges
New York General Obligations Law §5-1702 The New York Structured Settlement Protection Act imposes mandatory requirements on the defendant or the defendant's legal representative when a structured settlement is created (as part of the resolution of a case)
Structured Settlements v Structured Judgments Often confused by writers on the Internet, but there IS a difference between structured settlements and structured judgments under CPLR Articles 50A or 50B. Find out more...
"Amen - and continued thanks for your vigilance, John"- RL 8/18/2011
"Thanks for writing these great blogs on your site John! As an individual investor I have learned so much about the secondary market (for annuities, structured settlements, lottery payments, etc.) from your blogs and video series!!!" (6/5/2011)
I have found the intelligent and forthright information on your site a godsend. So much so I have tried in a small way to pass on my findings to others. Please keep up the good work and enhance your well deserved reputation as the authority on this subject- Mike 4/29/2011
John -
I can't thank you enough for bringing this to my attention. In my wildest dreams... PJ-May 12, 2011
John, I love reading your blog! Not only have I found very useful information there, but the comedy is much appreciated! Thanks for talking about "the big pink elephant in the living room" that everyone else ignores!
Thank you again for your help via phone and blog! I really needed to hear what you had to say today! BM 11/23/2010
John—this (video published 11/2010) is a well done piece. I like the way you always stick to the facts-AM
What a wonderful blog you have! I have completely enjoyed reading some of your posts (4/16/2010)
Thank you so very much for discussing my concerns about Symetra, my annuity company. I am amazed that PI attorneys as well as a settlement broker in San Diego, could not answer the simplest questions I had regarding the Safeco/Symetra issue. Your blog/web site is most interesting and informative, and I am grateful you have take on the "watchdog" role!
Thank you so much again (3/25/10)
"Awesome" 3/17/2010 Iowa reader
"Ever Feel Like You're Pissing Up A Rope?" 3/3/10
ThankYou for keeping integrity alive. CS 12/1/09
"Keep up the good work exposing abuses in our industry - our future depends on clients being properly advised."-CD
Just checked out your blog and loved it. Keep up the good and balanced work-DL
"...we have never met but I thoroughly enjoy your web site and blog - excellent material…-PB
"I enjoy your website and its content. Informative and well written"-JC
I heard a radio ad for the Peachtree Settlement Fund as I was driving into work this morning. (San Francisco Bay area.) I decided to check it out on the Internet and came upon your blog. Thank you very much. I do not have a “structured” settlement,
"All the others that I had emailed & have seen on the net were "cash now types" & have no concern of me & just are looking for my $$$. When I came across your site & blog I realized that u are an upstanding guy & are not like others. That's why I emailed"
This was Great. Right On Point-TS
"I love the chicken counter! So hilarious and makes a great point"-H
Always Thought Provoking John!-HS
"Other Than John Darer No One Seems To Be Doing Anything"-J
Thanks for your help and also for the good work you do on behalf of our industry-L
(Structured Settlement Transparency Initiative) A Worthy Fight! -BF
"Thanks for all that you do. This (Structured Settlement Transparency Initiative) is an extremely worthwhile project"-DS
"Thank you for being the inspiration that you are and for being a strong advocate for integrity in our business"-KL
"I Commend You On Your Effort To Make a Difference!" -R
"He is a fabulous writer who has a great passion for the structured settlement industry. I commend him on the passion he invokes when he writes on his blog listed above. That type of commitment and passion is hard to find and is rare in this world" -AC
"I love your weblog. Keep me on your e-mail list". JG
"Well done, John. That is an outstanding piece of work". (JL)
"Go get ‘em John! Good work". H
Structured Settlement Best Practices Corner
New York Insurance Advertising law requires the full name of the Insurer to be listed along with the city and state of the principal office. Stating that you represent these fine companies using Insurance company logos without the preceding information are also illegal
When it comes to settlement documents it is the ultimate responsibility of the lawyers or claims adjusters who receive input concerning the structured settlement aspects of the documents to actually read the entire document, exercise independent thought and advise their clients properly
Be aware that financial advisors use of testimonials is prohibited or restricted
Most states require that Testimonials represent the CURRENT opinion of the person who made the testimonial. Be prepared to back it up.
Number of States That Prohibit Payment of QSF expenses by licensed agents and brokers
Are Annuitants Getting Wasted on Cash Now "Financial Crack"? Is "cash now" the new crack? Sure seemed like it for a while with ubiquitous advertising that dangles "financial cat nip". Problem is they cannot DELIVER "cash now" for structured settlements arguably making it fraudulent advertising. Click here for a discussion and list of "cash now" pushers
Copyright Notice
All posts Copyright 4structures.com, LLC 2005-2012. All rights reserved. No claim is made to videos and music in any mashups on this blog which are the property of their respective owners
Comments and Trackback Policy
Structured Settlements 4Real filters comments and trackbacks to its posts BEFORE allowing them to be published
While spontaneous comments to this blog are welcome and add spice to the interactive nature of blogs, the unscrupulous practice by some to deliver comment spam, to connect all manner of unrelated products to structured settlements, is NOT tolerated by this author and thus necessitates this practice.
Jay J. Sangerman, PLLC A New York and Florida based AV rated estate planning law practice with an emphasis in Supplemental Needs Trusts, which assists attorneys in efficient case settlement though the use of Supplemental Needs Trusts and Special Needs Trusts; and Elder Law
Day Pitney LLP - People - Keith Bradoc Gallant Brad's practice includes traditional trust and estate planning and administration, special needs and disabilities planning, planning for same-sex couples and their families, planning for incapacity, and all types of probate litigation.
In or about February 29, 2012 a series of websites were registered anonymously off shore using the John Darer™ name for the purpose of defaming this blog's author John Darer™. The line between fair commentary and something that defies civility and dec
The Structured Settlement Transparency Initiative Responds to " Are There Any Questions I SHOULD be asking?". This information should be of interest to tort victims, plaintiff lawyers, judges who approve structured settlements
It Makes You Just Want To Hurl! If a person who calls himself a "settlement planner" is putting you into a structured settlement that you don't want or need while selling you on the ability to liquidate it through "cash now pushers" or "financial crack dealers", read this!
Halland Sickels Frei Mims Hall and Sickels is a full service personal injury attorneys and largest plaintiff's personal injury firms in Northern Virginia
Need Structured Settlement Information? It's Here!
It's now really easy to keep up with your favorite topic on Structured Settlements 4Real™ blog. Each category listed on has its own dedicated RSS feed. So, for example, if you are just interested in "Bronx Structured Settlements" you can follow that feed.
Learn more about structured settlements here!
3,286 Posts And Counting, since November 2005!
Structured Settlement & Settlement Planning Topics. Find the topic you're interested in "Stuff I've Written" (above left) or use Google to search the site (below) and just click! Can't find what you need? Simply ask John Darer™, call toll-free 888-325-
Google Search
Why Take a Structured Settlement?
A structured settlement offers guaranteed financial security to accident victims and their families. A structured settlement involves a customized stream of payments, a structured settlement provides long-term stable tax-free income, for a period of years or a lifetime. Unlike other income annuities. a structured annuity can have multiple payment streams to address multiple needs in a single contract.
