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There are various companies that offer a lump sum payment in exchange for cash flow streams generated by structured settlements. Beneficiaries of structured settlements often have to sell settlements when faced with an urgent or near-term liquidity need.

Get Cash Flow For a Structured Settlement

Get Cash Flow For a Structured SettlementThere are various companies that offer a lump sum payment in exchange for cash flow streams generated by structured settlements. Beneficiaries of "structured settlement" s often have to sell settlements when faced with an urgent or near-term liquidity need.The process of selling structured settlements begins with understanding ones requirements and the immediacy of the need. This can be done with the help of a financial advisor. In fact, in several states in the U.S, it is mandatory to take legal advice before selling a structured settlement. Brokers who are knowledgeable about the court procedures involved in the sale of a structured settlement can be of great help. Brokers are in contact with numerous settlement companies and upon understanding a sellers unique requirements they can guide the seller to the most appropriate settlement company. Either with the help of brokers or by searching online, one can select a financial institution that appears to offer the best price for the structured settlement at minimum cost and in as less time as possible. Sellers should also check the prospective buyers credentials, the rate of interest they offer, and their record for prompt payments. Sellers are usually required to fill an application form that provides the buyer with necessary information such as amount required, nature of the structured settlement, and the insurance company. Upon approval of the application, the buyer forwards closing documents to the seller. These should be studied and understood by the seller with support from his financial advisor. Once the provisions mentioned in the closing documents are met, the funds are released to the seller. The insurance company is made aware of changes in ownership of the structured settlement. The receipt of cash flow by the seller is subject to court approval. The court assesses the sellers circumstances and then decides whether the sale is in the best interests of the seller and his dependents. A court approved sale of structured settlements is tax-free for the buyer and seller.The cash flow received in exchange for the [*_*] is minus the buyers fees and other expenses such as broker commissions, application fees, and legal expenses. These costs are not out-of-pocket expenses for the seller nevertheless they should be carefully considered with respect to different buyers and the maximum amount that can be obtained by the sale of a minimum number of [*_*]s.

The Computer Consulting Business: Overcoming Client Concerns

The Computer Consulting Business: Overcoming Client Concerns

In the computer consulting business, Internet security concerns are often best addressed by explaining how your proposed networking solution takes firewall, antivirus and encryption issues into account.Validate Your Prospects or Clients ConcernsIt can be very risky to connect any type of system, whether it is a workstation or sever, up to the Internet on a full- or part-time basis. And of course, these security concerns create a "full employment act" of sorts for savvy "computer consulting business" es.The alternative means continuing to support individual dial-up accounts and modems, which can be expensive and introduce multiple points of entry (vulnerabilities) into various company IT assets. Other Tips on Overcoming Common Small Business Networking ObjectionsIn the computer consulting business, you dont want to jump to any conclusions without talking through your prospects or clients concerns. If youre concerned that you might have missed a subtle nuance, ask for clarification. Your prospects or clients will appreciate that you care enough to double-check.Show that you understand by repeating their questions as you address each issue. Take time to listen carefully to any objections. Think of it as your opportunity to provide additional information about your computer consulting business proposed solution. Warm Them Up to a Networking SolutionAs their computer consultant, and virtual IT director, its your job to plant the seeds to get them thinking along these lines. After all, a small business network is a lot more than just a shopping list of hardware and software.Use these objection handlers to correct some of the more common misconceptions about small business networks and overcome typical objections that may stand in your computer consulting business way of closing the sale.Copyright MMI-MMVI, Computer Consulting 101. All Worldwide Rights Reserved. {Attention Publishers: Live hyperlink in author resource box required for copyright compliance}

Ten Benefits Of Bluetooth Technology

Ten Benefits Of Bluetooth Technology

1. WirelessAs you probably already know, there are many benefits and advantages to using wireless devices. Along with improving safety as a result of eliminating wires you don't need, wireless also offers you plenty of other advantages. When traveling with your laptop or other wireless devices, you'll no longer have to worry about bringing connection cables.2. Bluetooth is actually inexpensive The technology of Bluetooth is cheap for companies to implement, which results in lower costs for the company. These savings are then passed from the company on to you. 3. Bluetooth is automatic Bluetooth doesn't have you set up a connection or push any buttons. When two or more devices enter a range of up to 30 feet of each other, they will automatically begin to communicate without you having to do anything. 4. Standardized protocol Bluetooth is standardized wireless, meaning that a high level of compatibility among devices is guaranteed. Bluetooth will connect devices to each other, even if they aren't the same model. 5. Low interferenceBluetooth devices almost always avoid interference from other wireless devices. Bluetooth uses a technique known as frequency hopping, and also low power wireless signals.6. Low energy consumptionAs a result of Bluetooth using low power signals, the technology requires very little energy and will use less battery or electrical power as a result. This is an excellent benefit for mobile devices, as Bluetooth won't drain the battery.7. Sharing voice and dataThe standard for Bluetooth will allow compatible devices to share data and voice communications. This is great for mobile phones and headsets, as Bluetooth simplifies driving and talking on your cell phone. 8. Instant PAN (Personal Area Network)You can connect up to seven Bluetooth devices to each other within a range of up to 30 feet, forming a piconet or PAN. For a single room, you can also set up multiple piconets.9. UpgradeableUpgradeable is the standard for Bluetooth. There are newer versions of Bluetooth in the works, which offer many new advantages and backward compatible with older versions. 10. The technology staysBluetooth technology is a world wide, universal wireless standard. With it being as popular as it is, you can count on it being around for years to come. As more and more devices start to use Bluetooth technology, more manufacturers will be eager to make their products compatible. A chain reaction will occur, making Bluetooth the standard for cutting edge wireless.

Buyer Beware: Free Magazine Trials

Buyer Beware: Free Magazine Trials

Retailers know the best way to pique a potential customers interest is to offer a free item. Bargain shoppers are always searching for a great deal and think they are receiving more for their money when businesses offer merchandise free of charge. Would be buyers should always look at an offer for free items with a discerning eye. The old edict almost always holds true if something sounds too good to be true, it probably is.Business owners are in business to make money; something nearly impossible to do if all merchandise is given away for free. Unscrupulous businesses have started to sprout up offering free subscriptions on a trial basis to popular magazines. These dishonest companies dupe customers into believing their false claims of free trial issues and the unsuspecting customers often end up with bills and unauthorized credit charges for these free items.The premise sounds pretty straight forward. Receive a specific amount of magazine issues free of charge. It is supposed to be a win-win situation for both publishers and consumers. Consumers get to try out the magazine free of charge to see if the magazine suits their tastes. If it does they can purchase a subscription, if not they have not lost any money in the process. Publishers get to expose their brand to customers in hopes that they will commit and purchase the subscription. Unfortunately things rarely work out this way.Consumers may find that agreeing to this free magazine trial unwittingly means signing up for book of the month or record clubs without their knowledge. This information is only divulged once they see a charge on their credit cards that they are unfamiliar with. These charges can be recurring, even though customers rarely get the merchandise they are being billed for.Customers signing up for these free trials must divulge personal information such as their name, address, telephone numbers, e-mail addresses, etc to qualify for their "free trials" . The reason for this is soon apparent as individuals see an increase in the number of unsolicited telephone calls, marketing material sent to their home address, and SPAM sent via e-mail. These companies generate large profits by selling customer information to mass marketers, who have dozens of advertisers interested in more customers to purchase their services.Most surprising to customers is usually the first bill they receive in the mail for their free magazines before the first issue has even been received. Customers are expected to make a decision as to whether or not they would like to continue with the subscription sight unseen. Should they not respond in send in payment to the first bill, the second bill with a late notice is usually received soon after.Those unhappy with the magazine or the service they receive find that the bills received do not stop even after canceling the free magazine trial. They often find themselves in collections for failure to pay. The dishonest magazine subscription service hopes that those affected will not want to risk harming their credit scores and pay for the subscription instead.Unfortunately, the shopper out looking for a bargain find themselves charged yearly as many of these subscriptions automatically renew. Trying to contact the firm usually proves futile as there is usually no contact information or phone number published.When trying to decide if purchasing a magazine subscription or any other merchandise consumers should be very wary of such offers. In most instances you never get something for nothing. In the case of magazine subscriptions, it may be best to purchase one or two issues at the newsstand. There should be enough information to gauge whether or not a magazines editorial focus is worth the cost of a subscription.Most magazine publishers have developed comprehensive websites as a compliment to their print magazines. Some areas are only open to current subscribers, but there is enough information for customers to make a decision; free of charge and without receiving any bills in the mail.

The Space Industry in Russia

The recent (December 2005) spate of news about Russia's space program was decidedly mixed. According to Space News, the 17-country European Space Agency (ESA) declined to participate in Russia's $60 million, two-year Clipper manned and winged space vehicle program, a touted alternative to NASA's Crew Exploration Vehicle.With an anual budget of $800 million, the Russian Federal Space Agency sought to minimize the importance of this surprising turnabout. In a press conference, Nikolay Sevastiyanov, President of the Russian aerospace contractor RSC-Energia, said: "We're starting to design this new transportation system to support the International Space Station (ISS) once it's complete." A space tug, dubbed Parom, will tow the Clipper to the ISS.But this is not the whole truth. The Clipper - a combined crew and cargo vehicle - is at the heart of Russia's renewed attempt to land crafts on the moon and on Mars. The Clipper is the culmination of a decade of research, development, and geopolitical maneuvering, involving many other elements.Consider the "Volga". It is the name of a new liquid-fueled retrievable and reusable (up to 50 times) booster-rocket engine. It will be built by two Russian missile manufacturers for a consortium of French, German, and Swedish aerospace firms. ESA - the European Space Agency - intends to invest 1 billion euros over 10-15 years in this new toy. This is a negligible sum in an $80 billion a year market.Russian rockets, such as the Soyuz U and Tsiklon, have been launching satellites to orbit for decades now and not only for the Russian defense ministry, their erstwhile exclusive client. Communications satellites, such as Gonets D1 ("Courier" or "Messenger"), and other commercial loads are gradually overtaking their military observation, navigation, and communications brethren. The Strategic Rocket Forces alone have earned more than $100 million from commercial launches between 1997-9, reports "Kommersant", the Russian business daily.Still, many civilian satellites are not much more than stripped military bodices. Commercial operators and Rosaviakosmos (Russia's NASA) report to the newly re-established (June 2001) Russian Military Space Forces. Technology gained in collaborative efforts with the West is immediately transferred to the military.Russia is worried by America's lead in space. The USA has 600 satellites to Russia's 100 (mostly obsolete) birds, according to space.com. The revival of US plans for an anti-missile shield and the imminent, unilateral, and inevitable American withdrawal from the Anti-Ballistic Missile Treaty add urgency to Russian scrambling to catch up.Despite well-publicized setbacks - such as the ominous crash at Baikonur in Kazakhstan in July 1999 - Russian launchers are among the most reliable there are. Fifty-seven of 59 launch attempts were successful last year. By comparison, in 1963, only 55 out of 70 launch attempts met the same happy fate.American aerospace multinationals closely collaborate with Rosaviakosmos. Boeing maintains a design office in Russia to monitor joint projects such as the commercial launch pad Sea Launch and the ISS. It employs hundreds of Russian professionals in and out of Russia.There is also an emerging collaboration with the European Aeronautic Defense and Space (EADS) company as well as with Arianespace, the French group. A common launch pad is taking shape in Kourou and the Soyuz is now co-owned by Russians and Europeans through Starsem, a joint venture. Russia also intends to participate in the hitherto dormant European RLV (Reusable Launch Vehicle) project.The EU's decision, in the 2002 Barcelona summit, to give "Galileo" the go ahead, would require close cooperation with Russia. "Galileo" is a $3 billion European equivalent of the American GPS network of satellites. It will most likely incorporate Russian technology, use Russian launch facilities, and employ Russian engineers.This collaboration may well revive Russia's impoverished and, therefore, moribund space program with an infusion of more than $2 billion over the next decade.But America and Europe are not the only ones queuing at Russia's doorstep.Stratfor, the Strategic Forecasting firm, reported about a deal concluded in May 2001 between the Australian Ministry of Industry, Science and Resources and the Russian Aviation and Space Agency. Australian companies were granted exclusive rights to use the Russian Aurora rocket outside Russia. In return, Russia will gain access to the ideally located launch site at Christmas Island in the Indian Ocean. This is a direct blow to competitors such as India, South Korea, Japan, China, and Brazil.Russian launch technology is very advanced and inexpensive, being based, as it is, on existing military R&D. It has been licensed to other space-aspiring countries. India's troubled Geosynchronous Satellite Launch Vehicle (GSLV) is based on Russian technology, reports Stratfor. Many private satellite launching firms - Australian and others - find Russian offerings commercially irresistible. Russia - unlike the US - places no restrictions on the types of load launched to space with its rockets.Still, launch technologies are simple matters. Until 1995, Russia launched more loads annually than the rest of the world combined - despite its depleted budget (less than Brazil's). But Russia's space shuttle program, the Energia-Buran, was its last big investment in R&D. It was put to rest in 1988. Perhaps as a result, Russia failed dismally to deliver on its end of the $660 million ISS bargain with NASA. This has cost NASA well over $3 billion in re-planning.The living quarters of the International Space Station (ISS), codenamed "Zvezda", launched two years late, failed to meet the onerous quality criteria of the Americans. It is noisy and inadequately protected against meteorites, reported "The Economist". Russia continues to supply the astronauts and has just launched from Baikonur a Progress M1-8 cargo ship with 2.4 tons of food, fuel, water, and oxygen.The dark side of Russia's space industry is its sales of missile technology to failed and rogue states throughout the world.Timothy McCarthy and Victor Mizin of the U.S. Center for Nonproliferation Studies wrote in the "International Herald Tribune in November 2001: "[U.S. policy to date] leaves unsolved the key structural problem that contributes to illegal sales: over-capacity in the Russian missile and space industry and the inability or unwillingness of Moscow to do anything about it ... There is simply too much industry [in Russia] chasing too few legitimate dollars, rubles or euros. [Downsizing] and restructuring must be a major part of any initiative that seeks to stop Russian missile firms from selling 'excess production' to those who should not have them."The official space industry has little choice but to resort to missile proliferation for its survival. The Russian domestic market is inefficient, technologically backward, and lacks venture capital. It is thus unable to foster innovation and reward innovators in the space industry. Its biggest clients - government and budget-funded agencies - rarely pay or pay late. Prices for space-related services do not reflect market realities.According to fas.org's comprehensive survey of the Russian space industry, investment in replacement of capital assets deteriorated from 9 percent in 1998 to 0.5 percent in 1994. In the same period, costs of materials shot up 382 times, cost of hardware services went up by 172 times, while labour costs increased 82-fold. The average salary in the space industry, once a multiple of the Russian average wage, has now fallen beneath it. The resulting brain drain was crippling. More than 35 percent of all workers left - and more than half of all the experts.Private firms are doing somewhat better, though. A Russian company unveiled, in March 2002, a reusable vehicle for space tourism. The ticket price - $100,000 for a 3-minutes trip. One hundred tickets were already sold. The mock-up was exposed to the public in a Russian air base.As opposed to grandiosity-stricken Russia, Kazakhstan has few pretensions to being anything but a convenient launching pad. It reluctantly rents out Baikonur, its main site, to Russia for an $115 million a year. Russia pays late, reports accidents even later, and pollutes the area frequently. Baikonur is only one of a few civilian launch sites (Kapustin Yar, Plesetsk). It is supposed to be abandoned by Russia in favor of Svobodny, a new (1997) site.Kazakhstan expressed interest in a Russian-Kazakh-Ukrainian carrier rocket, the Sodruzhestvo. It is even budgeted for in the Russian-Kazakh space program budget 2000-2005. But both the Russians and the Ukrainians were unable to cough up the necessary funds and the project was put on indefinite hold.Umirzak Sultangazin, the head of the Kazakh Institute for Space Research, complained bitterly in an interview he granted last year to the Russian-language "Karavan":"Our own satellite is an dire need. So far, we are using data "received" from US and Russian satellites. Some information we use is free, but we have to pay for certain others ... We have high-class specialists but they are leaving the institute for commercial structures because they are offered several times bigger salaries. I have many times raised this question and said: Look, Russia pays us not a small amount to lease Baykonur [some 115m dollars a year], why should we not spend part of this money on space research? We could have developed the space sector and become a real space power."Kazakhstan has its own earth profiling program administered by its own cosmonauts. It runs biological and physical experiments in orbit. The "tokhtar" is a potato developed in space and named after Kazakhstan's first astronaut, the eponymous Tokhtar Aubakirov.Almost all the former satellites of the USSR have established their own space programs after they broke away, vowing never again to be dependent on foreign good will. Romania founded ROSA, the Romanian Space Agency in 1991. Hungary created the Hungarian Space Office.The Baltic states - to the vocal dismay of many of their citizens - work closely with NATO on military applications of satellites within the framework of BALTNET (the Baltic air space control project). Poland (1994), Hungary (1991), Romania (1992) and the Czech Republic have been cooperating with ESA on a variety of space-related commercial and civil projects.Ukraine hedges its bets. It signed with Brazil a space industry bilateral accord in January. A month later it signed five bilateral agreements regarding the space industry with Russia.Many Western academic institutions, NGO's, and commercial interests created frameworks for collaboration with space scientists from Central Asia, Central and Eastern Europe, Russia, CIS, and NIS. The University of Maryland pioneered this trend with its East-West Space Science Center, formed in 1990.The space industry - and particularly the emerging field of launch technologies - represents one of the few areas in which the former communist countries may retain a competitive edge and a relative advantage. The West would do well to encourage the commercialization of this knowledge. The alternative is proliferation of missile technologies and military applications of technology transferred within collaborative efforts on civilian projects with Western partners. The West can save itself a lot of money and heartache by being generous early on.

Infomercial Creation: Design To Sell

In infomercial creation, there are a number of different options available to you. You can hire someone to do the work for you or you can do it yourself. There is much to consider about this process so taking the time to plan and execute each step of it will help you to better achieve the results that you are looking for. For many, infomercial creation is the beginning of selling their product effectively.Why should you hire a team to handle your infomercial creation? Here are some helpful things to think about when considering this aspect. Infomercial creation is designed in such a way that it will sell. In other words, really ask yourself if you are a salesman. Do you think that you can present every aspect of potential that your product has? On top of that, do you think that you can provide high quality sales pitches to your clientele? If you are not sure, just take a look at a few of the good infomercials that have aired and see if you can honestly do that type of constructing of sales. Next, consider the stats. One of the things that many infomercials need to do is to convince their audience that their product is something that they need. Being able to say that your product is needed because X amount of people had this problem last year, can be helpful. Infomercial creation companies can handle this for you. Lastly, while it may cost you to hire the infomercial company to do the work, it is likely that this cost will be more if you have to do the work on your own. Not only do you need to consider all aspects of design and creation, but also your time investment as well. You may find that this isnt the most efficient way of saving money after all.

Summary

There are various companies that offer a lump sum payment in exchange for cash flow streams generated by structured settlements. Beneficiaries of structured settlements often have to sell settlements when faced with an urgent or near-term liquidity need.