Structured settlements expert John Darer reviews the latest structured settlements news and information and provides expert opinion and commentary, including settlement planning issues/ ideas for settlement management, incisive Structured Settlement Watchdog® commentary that may be helpful to lawyers, plaintiffs, claims adjusters, judges, the news media, sellers and buyers of structured settlement receivables,and interested others. The style is spicy, informative, irreverent and effective. The most prolific structured settlements blog, Now in 19th Year! Check back daily for something new.
Is CBC Settlement Funding or someone that CBC Settlement Funding uses for its Digital Marketing, behind the fraud that is NL Brand Reviews?
Consider these two screen shots from NL Brand Reviews captured May 28, 2019. The first one on the Structured Settlement page for NL Brand Reviews says "Sell My Structured Settlement Payments in Just 2 Days" bearing the same phone number as an ad on another page entitled DRB Capital Structured Settlements Independent Review with an "advertisement" that screams out CBC Will Beat Any Offer from DRB".
Is The NL Brand Reviews Fraud a Shill For CBC Settlement Funding?
CBC Settlement Funding Craplach?
NL Brand Reviews is a fraud NL Brand Reviews holds out what appears to be a fictitious person with fictitious credentials as its Editor in Chief. NL brand Reviews is the latest name associated with the domain nlrbfcu.org, formerly the domain of the National Labor Relations Board Federal Credit Union, a legitimate entity
Most Purported Brand Review Sites for Structured Settlements Companies Are Rubbish
StateLocalGovt (Dot) Net RUBBISH
Out of date and out of touch. A one time useful website for government resources until 2010, acquired by a miscreant associated with the structured settlement secondary market seeking ready made SEO. A landfill of online refuse carpeted, figuratively speaking, by swirling flocks of seagulls and four legged scavengers. Does not respond to notices about inaccuracies.
Structured Settlement-Quotes.com RUBBISH
Genex Capital's "step child" since 2011. Way out of date . Insurer ratings info is a joke, more than a decade old. Brandjacking vehicle.
Einstein Structured Settlements RUBBISH
Illiterate, brandjacking website, currently out of service, JG Wentworth showed the puerile Owings Mills bred miscreants "who's their Daddy?"
StructuredSettlement.US.Com RUBBISH
Cowardly internet predators who target New York City residents and threw their toys out of the pram by plagiarizing one of our posts and posting it on an unsavory site. Structuredsettlement.us.com tried to hustle New Yorkers with fraudulent nonsense that selling your structured settlement (for pennies on the dollar) "means that you might be able to get more out of your structured settlement than it’s currently giving you."
After reading DRB Capital's January 15, 2019 press release the following image comes to mind. DRB Capital claims that since its bounty program's launch in August 2018, DRB Capital has awarded one payout and received numerous tips and credible information about these unfair, deceptive and abusive activities. DRB claims that many of these violations are criminal in nature, including the routine falsification of information submitted to state courts as part of structured settlement transfer petitions. Among the named "structured settlement factoring parasites" alleged by DRB Capital to be engaging in the sordid activities, is Rightway Funding, a new member of NASP. Think about that if you are investing in factored structured settlement payments streams scam labeled as secondary market annuities.
DRB Capital Wants to Flush Rightway Funding LLC, BTG Advisors LLC, Sempra Finance LLC, Greenwood Funding LLC, and JLC Capital Funding LLC down the drain in Palm Beach County, Florida.
in a decision made for a catchy headline, the effort of AIG subsidiary American General Life Insurance Company has been successful in a Kentucky Supreme Court decision overturning a Kentucky Court of Appeals decision which would have permitted the factoring of workers compensation structured settlements if it had been allowed to stand.
Sell Structured Settlement May Jumpstart Savings Plan is an idea to which the DRB Capital marketing team has devoted an entire webpage. It has to be straight out of the script for "Rubbish TV"
1. "When you are trying to get a savings plan started, it may not be a bad idea to sell your structured settlement in order to get a nest egg. This can be quite beneficial, as it could give you a step-up when trying to build your financial portfolio. However, when embarking upon a savings method, there may be some options that could encourage you to look at your plan more closely"
Fact: Selling your structured settlement to any structured settlement buyer is ALWAYS a money losing transaction.
Therefore it follows:
"Selling your structured settlement to jumpstart your savings plan" is pure rubbish .
Selling your structured settlement is not a step up. It is a big financial step down.
2. To support the rubbish idea, what is published by DRB is an admission that "Many savings accounts may not have an ability to garner a significant amount of interest, but not all options are this way". Citing BiggerPockets, DRB says "there is (sic) actually some savings accounts that will give you a notable amount of interest for your savings plan. Look for different banks, as they will all offer different things, but some accounts may even exceed 2 percent if you are there for long enough. At 2% without taxes it takes 36 years for your money to double, if you don't invade the principal in the interim. Of course interest on CDs and bank saving account is taxable so assuming combined taxes of 30% with a net rate of 1.4%, it would take more than 51 years for your money to double.
Most people live off their income. A structured settlement is like a job you can never be fired from. If you're living off your lump sum after "giving up your job", or "reducing your hours", it's like watching the sand drifting from the top of an hourglass. Only in your case, throwing water on it will not solve the problem that would result from executing on the flawed idea published by DRB Capital.
DRB Capital, the "Lineman of the Bounty", has "unleashed" the concept of selling your structured settlement to pay for school supplies through a barrage of tweets in the last 24 hours.
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Source: DRB Capital Twitter Feed-retrieved 8-30-2018
Breaking down DRB Capital's money losing value proposition to its essential terms, DRB Capital implies that you should sell your stable tax free future structured settlement payments at a discount to buy lead pencils and other school supplies. Let's take a look at the cost of supplies from a leading discount school supply website.
DRB Capital is ogling your structured settlement payments and it's crystal clear that selling your structured settlement payments to pay for school supplies is a very bad financial move. Don't do it.
I felt inspired by DRB Capital's financial silliness to parody lyrics for your entertainment
DRB Capital | The Lineman of The Bounty (to the tune of " Wichita Lineman")
As the Structured Settlement Factoring World Burns
The structured settlement secondary market soap opera continues as Kobi Ribak, CEO of KR Taxi, LLC DBA Jacob Joseph & Associates was jailed on August 22, 2018 for aggravated assault with a deadly weapon.
Ribak, 49, of Delray Beach Florida, and formerly of BTG Advisors and Client First, was also charged for property damage and criminal mischief stemming from a road rage incident. In 2011, after only 4 months, Ribak was discharged from Topeka Capital Markets. The SEC disclosure on the IAPD website states that there were allegations that "Mr. Ribak was distributing trading ideas without footnoting his sources implying the ideas were his own".
Ribak is also facing a suit by DRB Capital LLC
Last year, DRB Capital filed suit against Jacob Joseph & Associates for tortious interference and violation of Florida's Deceptive and Unfair Trade Practice Act (FDUPTA). After conducting some discovery, in July DRB Capital asked to amend the complaint so that Mr. Ribak is held personally liable for his involvement in JJ&A's unlawful conduct. In the suit, DRB Capital is seeking compensatory damages and will seek treble damages, attorney's fees and court costs as permitted by FDUPTA, as well as punitive damages, as appropriate.
Hendon Mobster Does Better At The Poker Table
Despite the hanging chad on his rap sheet, Ribak is quite the gambler. Here's how he compares to the Owings Mills punks (whose JRR Funding and related companies were banned in Maryland for 7 years from January 2018). in the structured settlement buyers who play Hendon Mob rogues gallery
Kobi Ribak $174,279, 11,111th on all time money list
Ryan Blank $ 73,546 24,229th on all time money list
Richart Ruddie $ 2,200 236,902nd all time money list
The awarded a structured settlement vortex is almost as viral as the "Plantiff" phenomenon. But the former is a fundamental conceptual flaw, while the latter is a careless funny typo.
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What is astounding is the volume of people, that should be in the know, that are sucked into making the case for something that is not.
A Head Rattling Baker's Dozen of Awarded a Settlement "Boo Boos"
Atlanta Journal Constitution has it really twisted with a title that says Georgia rape victim speaks about $1B Verdict and then in the same article says "a rape victim was awarded a $1 billion settlement verdict" May 23, 2018. A settlement verdict?
Forbes' Tony Nitti takes two steps forward and three steps back with "In general, if you sue somebody and either win the suit or negotiate a settlement, your award is fully taxable under Section 61" May 3, 2016
Chegg Study " You have been awarded a settlement of $12,000 per year for the next six years.. The fair rate is 9%. I offer to pay you $52000 for it now. Should you sell it?" From A company that provides textbook solutions whose tag line is study smarter not harder.
Los Angeles personal injury law firm describing how the settlement process works in a personal injury case " When you are awarded a settlement in a personal injury case..." April 23, 2016 still posted on firm's website
Settlement Planner "A Special Needs Trust may allow a disabled individual who has been awarded a settlement" January 24, 2017
Same Settlement Planner " For example, if you are awarded a settlement of $350,000, but place it in a structured settlement annuity..." January 26, 2017
DRB Capital LLC factoring Company "When the claimant is found to have proved their case, they are typically awarded a settlement in cash terms"
DRB Capital LLC has itself really twisted up here "If you’ve won a structured settlement in a lawsuit against an insurance company, then there are a lot of things that the courts will allow you to do with that money... But in many cases, the money you’re getting from the judgment is more than the amount you need to pay those bills, which means you can use it for other things by getting structured settlement funding" [ Jim, Jason kindly get with the program please. It's on the Pig Crack page]
Elder law Firm New York "When an individual is awarded a settlement in a medical malpractice or personal injury suit, it is typically for more than just the medical expenses" May 11, 2018
Tracy CA personal injury law firm " If you have been awarded a settlement after a personal injury cases (sic), you may wonder if you are facing a large tax bill" . The firm published the June 2017 blog in answer to the question are Jury Awards and Settlements Taxable? Question counselors: Do juries award settlements or do they approve settlements?
Seneca One factoring company in its website "knowledge base" says " When a court decides that a death of a family member was due to a negligent or wrongful act of another individual, the beneficiaries can be awarded a structured settlement on the deceased’s behalf".
Robin Roberts of Brightpath Financial Corp., misstates as fact "Fact 2: Structured Settlements offer value with restrictions. You have won payments for damages and have been awarded a structured settlement". No you haven't. [ Note: The Baker's Dozen of Settlement Boo Boos were all retrieved and compiled August 18-19, 2018]
Due to the very low bar the structured settlement factoring industry sets itself, such lack of fluency on the fundamentals is unfortunately to be expected (but not tolerated). But, how can a law firm not articulate the difference between a settlement and an award? How can a settlement planner not articulate the difference between a settlement and an award?
The Eley Law Firm of Denver Colorado does an outstanding job of explaining the difference between a settlement and a workers compensation award. They say:
"A settlement is an agreement reached among the parties to a workers' compensation claim. This includes you, your employer and the workers' compensation insurer (unless your employer is self-insured). This is a type of contract, and it may bar you from seeking further compensation for your injury.
An award, on the other hand, is granted to you by the workers' compensation court. This may include medical benefits or other types of workers' compensation awards based on the specifics of your injury. For example, a judge can order — or an insurance company can admit for — temporary and permanent disability benefits. This isn't a settlement. You don't have to sign away any rights to get these benefits. If you need help determining whether you received an award or a settlement, we can help. We can review your situation and help you understand your legal options. We can also advise you before you accept an award or settlement"
Why care?Why let misinformation foster financial illiteracy? You're better than that.
Fund First Capital's abject failure to explain structured settlements and annuities is a great example of the structured settlement secondary market's gangrenous self-inflicted wound
They allege "Along with the growing number of people holding both structured settlements and annuities, there is an increasing confusion about what they are and if they are the same thing" The belly flop begins with FundFirst Capital's big H1 tag " Structured Settlement is purchased while annuity is guaranteed"
The reality, in my opinion as a credentialed structured settlement expert, is that any alleged confusion, if there is any, is in large part the result of the ignorant, reckless and careless misinformation disseminated by the structured settlement secondary market where quantity over quality has been paramount. Some of these structured settlement secondary market companies are too cheap to hire American labor so they hire writers who are non native English speakers to crank out volumes of whatever slop they can produce. It is not doing them or the secondary market any favors. Most of all, the misinformation is useless to consumers.
Sponsors of Structured Settlement Misinformation
Owings Mills MD's Ryan Blank and Richart Ruddie, whose companies have been banned in Maryland for 7 years from January 2018, following a Maryland Attorney General investigation for fraud. The ban includes Annuity Sold, Uber Funding, Bendermere Capital Solutions, Axis Funding, Stonebridge Capital, Greenspring Funding, Preak Street, LLC, ILILIL2010, Palantir Packaging and JRR Funding. Einsteinstructuredsettlements(dot)com has been the primary vehicle used to disseminate misinformation. Web properties included at various times have include franklinstructuredsettlements(dot)com, moneysettlement(dot)net, strcturedsettlementcashnow(dot)come while the pair were doing work for a member of NASP.
CBC Settlement Funding, a member of NASP, for their exclusive relationship with Annuity.org and Structuredsettlements.com , high value keyword domains that dispense a tremendous amount of inaccurate information. CBC Settlement Funding and its ultimate parent apparently do not care about accuracy and thus one has no choice but to conclude that CBC Settlement Funding seek to profit off the confusion of consumers, as I have comprehensively documented on this blog in prior posts.
DRB Capital and Fairfield Funding, members of NASP, for their respective relationships with Fund First Capital
Fairfield Funding again, for their previous relationship with JRR Funding a company later banned in Maryland for 7 years for fraud and using shoddy JRR Funding property Einstein Structured Settlements to generate leads.
You Lose Money 100% of The Time When You Sell Your Structured Settlements, or Sell Any Annuity
Read our Documentation of the Litany of Misinformation About Structured Settlements Disseminated by the Structured Settlement Secondary Market
FundFirst Capital is one of several scam structured settlement company review sites. FundFirst Capital is nothing more than a fishy pay for lead generation website for whichever cash now pushing factoring company wants to get into bed with them. Last year it was DRB Capital with a "9.7/10 rating" this year it's Fairfield Funding with a " 9.4 /10" rating. In each case, the "best company" in FundFirst Capital's scam review site's scam review, is promoted by negative reviews and false information by the 3rd party, of competitors of the "best company", at least until the last two weeks when they mysteriously disappeared.
A few things about FundFirst Capital are a dead giveaway on the scam
DRB Capital, which was the "go to company" according to Fund First Capital in 2017 is not even in the survey in 2018.
Prior to 2017, Fund First Capital was a website that purported to provide "Access to Immediate Working Capital and Cash Flow, specializing in eating places". Nothing About Structured Settlement. Thus it is peculiar that The Mt. Airy MD Faker David Springer's Sovereign Funding Group is listed with the notation "no longer in business" in both years. Regardless of which adulterated version of the David Springer LinkedIn profile you believe, or whether or not you believe Springer's or his counsel's representations in legal actions from 2012-2015, the Sovereign Funding Group listed "company" is not in business in 2018 and wasn't in 2017. So why has the scam review site Fund First Capital included it at the expense of DRB Capital?
FundFirst Capital says that a physical address posted and verified is a factor in how it rates companies, yet FundFirst Capital is privately registered and shows no address on its website
DRB Capital issued another predatory tweet on April 16, 2018 "Start Saving for Summer Vacation With These Tips"
The Fluff: "Summer is just a couple months away and if you want to travel, it is smart to start putting money away so you do not have to worry about it when you get there. Here are great ways to save now, so you do not have to worry later".The tips actually make sense BUT and there's big fat BUT here....
The Big But: DRB Capital then makes a solicitation to sell your structured settlement (for what amounts to pennies on dollar).
You don't have to squeak by! With a structured settlement you can surf on a wave of a steady tax free income. The best part is that your ride doesn't end at the beach.
What is a Structured Settlement? What You Need to Know Structured settlements and what you need to know about them including a helpful introductory video featuring A.M. Best Client Recommended Structured Settlement Expert and Registered Settlement Planner John Darer of 4structures.com LLC
How Do Structured Settlements Work? How Structured Settlements Work How structured settlements work, including 4structures.com LLC's super helpful structured settlement flow chart/diagram showing how structured settlements fit in on the spectrum of settlement planning solutions.
Rated Ages and Structured Settlement Cost Rated Ages for Structured Settlement Annuities present advantages to all parties. Shift the mortality risk to a life insurance company whose business it it is to assess mortality risk to price its life insurance and annuities. Rated ages boost your structured settlement annuity benefit per premium dollar, or your yield on lifetime payments. Rated ages help to reduce the cost of funding a Medicare Set Aside arrangement where a Structured MSA, is being used { WCMSA LMSA or NFMSA].
Top Structured Settlement Annuity Companies 2024 Which life insurance companies issue structured settlement annuities in 2024? A list of current structured annuity issuers, the location of their home offices and their financial ratings from A.M. Best, Moodys, Fitch, Standard & Poors and/or other Tier1 NAIC ratings, with links to their websites and other useful information. Last updated June 14, 2024
Treasury Funded Structured Settlements Treasury Funded Structured Settlements are 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. Treasury Funded Structured Settlements can also be used to fund installment sales, also known as structured sales and other non qualified structured settlements.
Compare Structured Settlement IRR to Other Settlement Alternatives Use the Taxable Equivalent Yield chart to help compare the Internal Rate of Return (IRR) of a structured settlement to other alternative or complementary investments. Need help with the chart? Call 4structures.com® LLC at 888-325-8640
Structured Settlement Payments | Types of Structured Settlements 2024 Ways You Can Structure Your Settlement Payments in 2024. With a structured settlement you can have more than one type of payment in a single contract. Different types of structured settlement payments can be customized and combined to meet your needs on a stand-alone basis, or in conjunction with other financial products. Diversify your structured settlement, if you wish, by funding with more than one annuity issuer, with treasury funded structured settlements, index linked structured settlement payments and market based structured .
Structured Attorney Fees for Tax Deferral for Attorney Contingency Fees Structured attorney fees is a financial strategy that offers a unique way to defer taxes for lawyers and law firms. Lawyers CAN structure their legal fees even if the plaintiff doesn't structure their settlement. There are multiple ways to structure your attorney fees, such as capped or uncapped index linked structured settlement annuities where payments are adjusted based on upside changes in the S&P 500 or another index, Trial Lawyers may also use a special deferred pay/deferred compensation arrangement, if market based returns returns are desired with no cap. Plan NOW for year end! Put structured attorney fee expert John Darer® on your settlement planning team in 2024.
Structured Settlement Annuity Company Customer Service Phone Numbers Receiving structured settlement payments from your own structured settlement or inherited structured settlement? You'll like this huge time saver. Click the title for a link to a comprehensive list of customer service telephone numbers that includes both current AND former structured settlement annuity issuers and reinsurers. If you have simple bank or beneficiary changes, or if the insurance company that issued the structured annuity has merged, sold or spun off its block of structured annuity business (e.g. Aviva, Allstate, Transamerica, AEGON, GE Capital, Liberty, CNA, Confederation Life), oran annuity issuer has changed its name and you're trying to track them down. Here you go! The list is regularly updated. Last updated May 20, 2024.
Structured Settlement Quote Lock-Ins | What You Need To Know What does a Structured Settlement Lock-In Mean? How do plaintiffs, defendants and insurers benefit from a structured settlement quote lock in when finalizing a settlement? How does the defendant/insurer/court benefit from using a structured settlement lock-in? Where to be careful when using structured settlement lock ins.
What Are Structured Settlement Annuities? Structured settlement annuities are annuities that can provide one or more customized annuity payment streams in a single contract. Read about structured settlement annuities here.
History of Structured Settlements Tracing the roots of structured settlements history from 1918, when Congress exempted damages for personal injury or sickness from income tax, to the establishment of structured settlements as a core personal injury settlement planning tool to the present day.
What Are Market Based Structured Settlements? Market based structured settlements are an alternative or supplementary structured settlement solution for the plaintiff, attorney or law firm that:
1. Can afford to take some market risk
2. Have discretionary settlement dollars.
Claimants and attorneys alike may find that market-based structured settlements provide the opportunity to receive tax-free income, or tax-deferred income, while enjoying growth potential.
Structured Settlements and Longevity Risk| What Are the Odds? Do your financial resources give you enough road, or will the road run out before you do? A structured settlement annuity helps mitigate the risk of outliving your savings, no matter how long you live. A structured settlement can include one or more customized payment streams and types.
Firmwide Qualified Settlement Funds Debunked Firmwide qualified settlement funds have been heavily promoted to trial lawyers, but have been debunked in a detailed analysis in a July 2022 legal opinion a tax partner at the law firm of Faegre Drinker Biddle & Reath, LLP. Trial lawyers and firms who have established Firmwide QSFs or coinsidering establishing a Firmwide QSF should read the analysis as part of their evaluation.
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STRUCTURED SETTLEMENTS 4REAL® Blog Is a Popular Source of Structured Settlement News, Information and Commentary, John Darer Reviews, Settlement Planning News and Financial Solutions for over 18 years,
with a stable readership that seeks credible structured settlement information, John Darer Reviews, commentary and/or opinion about topical issues related to settlement planning, targeted to lawyers, injured persons and their family members, guardians, survivors, judges, magistrates, special masters, mediators, administrators, trust companies, insurance company executives and adjusters, financial advisers, settlement professionals, financial professionals, insurance regulators, government leaders, federal and state law enforcement, buyers and sellers of structured settlement payment rights, the news media and other interested parties.
4structures.com LLC established this structured settlement blog in 2005. John Darer ®, CLU ChFC MSSC CeFT® RSP CLTC, President of 4structures.com, located in Stamford, CT 06902. John Darer is an experienced New York City area structured settlement expert, structured settlement broker, Certified Financial Transitionist, and Registered Settlement Planner. He holds insurance licenses in 45 states, has 41 years financial services experience and 31 years in the structured settlements and settlement planning space.
In his capacity as a investigative journalist and commentator, and professionally, John Darer passionately believes that shining the light on a business practice is both healthy and newsworthy. It is in the best interest of injury victims, their families and their legal advisers, that the settlement planning discussion involve those that are properly trained in the topic, properly informed on the topic and, with respect to structured settlements, properly licensed and/or appointed. It has significant instructional and deterrent value to other practitioners and firms as well as those who may be caught in the cross hairs.
WHAT YOU GET here is the straight stuff with a touch of irreverence and humor. We hope you enjoy and find the content to be helpful.
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Thank you for reading!
Last updated July 10, 2024
New York City Structured Settlement Experts Bridge building settlement consultants who collaborate with clients using a humanistic process, providing creative and reliable advice and support for litigating parties and their lawyers with matters in Courts throughout the New York City metropolitan area
New York Structured Settlement Expert Whether you're at the crossroads of the world or the crossroads of your life, structured settlements provide stability for when life is at a crossroad. Call 888-325-8640
New York Settlement Planning Expert for NY Attorneys and Residents - YouTube New York settlement expert John Darer's comprehensive approach to Settlement Planning helps New York personal injury lawyers and their clients move through the financial transition resulting from a major life event. CPLR Articles 50A and 50B expertise for New York lawyers
New York Structured Settlement Expert 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...
Connecticut Structured Settlement Experts 4structures.com LLC is based in Stamford CT and Connectict works with clients all over CT, Greenwich, Stamford, Darien, New Canaan, New Haven, Hartford, West Hartford, West Haven, Torrington, Danbury, Wilton, Ridgefield, Norwalk, Midletown, New London, Westport, Oxford, Stratford, Old Greenwich, Stafford, Storrs, Groton
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Structured Settlement Factoring Company representative on LinkedIn, January 26, 2024
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Partner in Philadelphia law firm August 30, 2020
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"I wanted to send you this email to say Happy New Year to you and your family. May God continue to bless you. I am grateful that I had the opportunity to meet you on the phone. I truly thank you for introducing me and my son, (redacted) to (lawyer). It is people like you that God put in the path of my son situation. Thanks a million times! {original on file] 1-2-2015
"John Darer has been nothing but honest,helpful,informative with options, & his
"time" was NEVER an issue!"-Andrew S 8/18/2012
" I wish there were more like you" JG 9-15-2014
In my opinion, John Darer is an excellent consumer advocate in the insurance industry. When I had no one else to turn to after running up against the stone walls of these giant insurance company, John Darer used hours of his own time to investigate my situation. Not only is this an invaluable service to me the consumer but it is also of great value to the insurance industry by providing them consumer feed-back. This allows the insurance companies to correct their faults and move toward greater transparency which improves the overall public image of the insurance industry as a whole" JW 9/4/2014
John, Keep fighting the fight. -NASP member 12-4-2013
John...Thank you for your professional advice-Brandon 11-13-2013
"...Thanks to Mr. Darer's blog and personal pointers I was able to obtain a fair price for the sale of client structured settlement. Therefore, if one has no choice, but to sell their settlement educate yourself first before selling start by reading John's blog" Mr P. 11/17/2012
"I always appreciate when he (John Darer) keeps us informed on regs and rules. No one does it better"- structured settlement industry colleague and reader RY 7/26/2012
"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)
"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
"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
"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
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
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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.
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Why Take a Structured Settlement?
A structured settlement offers guaranteed financial security to personal injury victims, wrongful death survivors and their families. A structured settlement involves a customized stream of payments, provides long-term stable tax-free income, for a period of years or a lifetime. Unlike other income annuities. a structured settlement annuity can have multiple payment streams to address multiple needs in a single contract.
London Market Structured Settlements Experts Bridge building settlement consulting using a humanistic process, providing creative and reliable support for London Market Insurers, Lloyds Syndicates, Claims Professionals and Lawyers
New York Structured Settlement Experts Bridge building settlement consultants who collaborate with clients using a humanistic process, providing creative and reliable advice and support for litigating parties and their lawyers.
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