http://www.articletrader.com/ Articles at ArticleTrader en-us http://www.articletrader.com/automotive/maintenance/paintless-dent-removal-saves-time-and-money.html http://www.articletrader.com/automotive/maintenance/paintless-dent-removal-saves-time-and-money.html Wed, 28 Jan 2009 20:33:28 -0600
When most people get a dent or ding in their vehicle and want to get it taken care of they make an appointment with an auto repair shop or garage in South Florida. Most garages will try to fit you in sometime during the day but you will be required to drive over to their garage and drop your vehicle off. You then have a choice. You can find a friend, relative, spouse or co-worker who would be willing to go over to the repair shop and pick you up when you drop your vehicle off and then take you back over to the repair shop when your vehicles is finished, or you could hang out at the repair shop or garage drinking stale coffee and eating day old donuts while you wait for the repair job to be completed; neither one of these scenarios sounds like a good way to spend your valuable time. Fortunately there is a better way of doing things.

A mobile dent removal service will come to you to fix the dents and dings in your vehicle. These services are available in West Palm Beach and South Florida. A mobile service can work around your schedule and go where you need them to go. That means that while they fix the dents and dings in your vehicle you can be doing the things that you want to do. No more waiting around at the garage. No more asking friends and family to cart you around town while your car gets fixed. No more trying to arrange your schedule around a garage or repair shop. The time that you save is yours to do with as you please. What will you do with your added time? How you use it is up to you.

Paintless Dent Removal Service Will Save You Money

A mobile South Florida dent removal service will not only come to you in South Florida and West Palm Beach to fix the dents and dings in your vehicle, but they will save you a lot of money, too. Paintless dent removal costs only a fraction of what it would cost you to get your vehicle repaired at a garage or service shop. Plus, your time is priceless as well and when you use mobile services you will save valuable time.

Another way that paintless dent removal will save you money is by maintaining the original paint job on your vehicle. A vehicle that retains its original paint is worth more money than one that has been repainted, even if it is just a door or a fender. Retaining the original paint on your vehicle will also help with the resale if you should choose to sell it in the future. Any way you look at it, mobile paintless dent removal is the way to go. You maintain your vehicle's value, and the value of your personal time, too.


--
Dents R Us writes about paintless dent removal and provides mobile dent removal service in west palm beach county.

Source: http://www.articletrader.com ]]> http://www.articletrader.com/automotive/paintless-dent-removal-is-a-great-way-to-take-care-of-pesky-dents-and-dings.html http://www.articletrader.com/automotive/paintless-dent-removal-is-a-great-way-to-take-care-of-pesky-dents-and-dings.html Sat, 24 Jan 2009 23:49:44 -0600
Dents And Dings Can Cause You A Lot Of Aggravation

Taking your vehicle in to the garage in South Florida to get serviced can end up costing you a lot of time and money, not to mention the hassle of having to bring your car in and find a replacement vehicle to use while the work is being done. Or, an alternative is to sit around at some garage in West Palm Beach and wait for the work to be done. With today’s busy world and fast track life who has the time for that? Or for that matter who wants to do that? Your time is money and no one wants to have to wait around while their car gets repaired at a garage somewhere in South Florida.

There Is Good News For Dented And Dinged Up Cars, Trucks and Vans

The good news is that many dings and dents can be repaired at a fraction of the cost and with excellent results by using mobile Paintless Dent Removal service. Dents R Us uses Paintless Dent Removal, which is the process by which a dent or ding is gently massaged back to its original shape. This process takes years of studying to ensure that it is done properly. A paintless dent removal specialist uses special equipment and fabricated tools to remove the dents from vehicles. Dents and dings can be removed from almost any panel on the vehicle with remarkable results. These pros can even fix dents as big as a football and make the vehicle look like new again.

A Fast And Easy Way To Fix Dents And Dings

Paintless dent removal is a painless and easy process for the consumer. There is no sanding, filling or painting involved. This helps to retain the factory paint job that is on the vehicle and keeps it looking new. No painting and sanding also means less money is required to get the job done and the dents and dings can be removed quickly and efficiently. Once you find a good service provider, it will be the only way you'll ever want to go for South Florida dent removal.


--
A paintless dent removal specialist

Source: http://www.articletrader.com ]]> http://www.articletrader.com/health/it-costs-more-to-cut-hospice.html http://www.articletrader.com/health/it-costs-more-to-cut-hospice.html Mon, 05 Jan 2009 20:35:46 -0600
Each year Hospice of Palm Beach County provides care for more than 6,000 patients, of which over 5% receive Medicaid for this care. Hospice is for patients facing a life threatening illness. They receive a range of medical, spiritual and social services at home instead of costly medical treatments provided in hospitals and emergency rooms.

Hospice care is comprehensive and all inclusive. One daily fee covers every home visit by nurses, certified nursing assistants, hospice aides, social workers, chaplains, physicians, music and integrative therapists and community-based volunteers. The fee also includes prescription drugs, over-the-counter medications, medical equipment and medical supplies.

Families of dying patients often face non-medical crises as well. The Medicaid patient and family also may face poverty, estrangement, and even homelessness. Hospice of Palm Beach County and other hospice programs provide social service support and professional case management. This helps the patient and family as well as over-burdened social service agencies.

Florida is not the first state to consider cutting Medicaid hospice benefits as a way to save money. Illinois and Connecticut have had to reinstate the Medicaid payment for hospice, because they found it too costly otherwise.

Hospice is the proven high-quality, low-cost, patient-focused approach to caring for those in the last months of life. Hospice care is a benefit that should be available to all Floridians.

Use this sample letter to send to your Congressman.

To find your elected officials in Florida and email them this message go to: http://www.myfloridahouse.gov/Sections/Representatives/myrepresentative.aspx

--
David Ralicki
Chairman, Hospice of Palm Beach County
Hospice of Palm Beach County

Source: http://www.articletrader.com ]]> http://www.articletrader.com/entertainment/gambling/how-you-can-make-more-of-lottery-payments-now.html http://www.articletrader.com/entertainment/gambling/how-you-can-make-more-of-lottery-payments-now.html Tue, 23 Dec 2008 12:30:57 -0600
What Opportunities Might You Be Missing?

Think about the things that you could be doing with your money if you had a large portion of it in one lump sum. Rather than budget your money against small lottery payments, instead you could be

• Investing in high-yield funds and investments. With your lottery winnings you are only entitled to the amount of your award. When you chose the incremental payout option, the lump-sum you could have received was simply invested into an annuity. That annuity is what is paying you through a combination of interest and principal. If the annuity does better than anticipated, the state lottery profits from the higher return—not you.

You could just as easily invest in an annuity—or better, in a higher yield or shorter return investment—and reap the total reward. Then any extra is yours to keep, not the state board's.

• Buying property or purchases. You may be able to borrow against your lottery winnings, but if you had cash in hand you may not need to. Or, you could put down a larger sum and minimize the cost of interest and fees. This would benefit you financially two-fold: first, you minimize or eliminate the cost of borrowing (interest), and second, you can buy at a lower price now rather than waiting to make large purchases in the future when things cost more.

• Living life. Money is only worthwhile to you if it does something good to improve your lifestyle. It makes no sense for you to struggle financially while waiting for a large sum of cash to eventually accumulate. That money could be put to better use now by granting you the financial freedom you need, alleviating financial stress, and putting you in control of all of your money. Particularly if the odds are better that your lottery payments will outlive you, it is in your best interest to cash out lottery payments now.

Sell Lottery Payments For Cash

It's not too late to change the structure of your lottery payments. You still have the option to sell lottery payments to a funding partner in exchange for a large lump sum of cash. This is actually a better option than if you had just chosen the lump-sum offered by the state lottery, because when you sell lottery payments to a buyer you can choose to retain some of the payments and therefore get both a future stream of income and a lump sum of cash now.

You can make more of your lottery winnings by exploring your options. Find a reliable lottery payment buyer and discuss the opportunities that are open to you through the sale of lottery winnings. Partner for your prosperity and make sure that you are the one enjoying the full benefit of your award.


--
Prosperity Partners has been working with and providing resources for lottery winners for 15 years. Prosperity Partners provides capital for lottery winners who want to sell lottery payments

Source: http://www.articletrader.com ]]> http://www.articletrader.com/legal/personal-injury/why-does-colorado-have-a-structured-settlement-protection-act.html http://www.articletrader.com/legal/personal-injury/why-does-colorado-have-a-structured-settlement-protection-act.html Tue, 23 Dec 2008 12:15:51 -0600
The Purpose Of Enacting The CO Structured Settlement Law

According to the law itself, the Colorado General Assembly felt it necessary to adopt such a law because it feels that "this act is necessary for the immediate preservation of the public peace, health, and safety." In other words, the law was written to protect the rights of private citizens who receive money from structured settlement payments. The state wanted to be sure that recipients retained the right to sale while they retained the tools necessary to maximize the sale of payments.

Does CO Frown On Structured Settlement Sales?

Colorado does not frown upon the sale of structured settlement payments. For many, selling structured settlement payments is the only way to regain financial composure after falling victim to a personal injury, wrongful death, or loss. For others, the ability to sell structured settlement payments gives them the financial means to pay off debt, stay afloat financially during periods where job income is limited or unavailable, and make major purchases like houses, cars, college, and so on.

Colorado is like other states in that it is more neutral than pro or con structured settlement selling. The state recognizes that selling your payments is your right, and is not for them to dictate beyond the point that they need to in order to protect you from predatory buyers.

What Does The Colorado Structured Settlement Protection Law Do?

The primary provision of the Colorado structured settlement law gives the state power of approval over the sale of settlement payments. It requires first and foremost that the sale and transfer of payments is not effective until the purchase has been approved by a court (judge) of the state. This is not an effort to revoke control over a private individuals' money. It is simply a security measure which allows the court the opportunity to review the sale contract and terms, disclosures of the sale, and confirm that ethical practices have been in place throughout the deal. It is a layer of protection for Colorado residents and nothing more.

The fact that Colorado has adopted a statute of protection for the people holding rights to structured settlement payments in Colorado is not meant to be an infringement on the rights of private citizens, nor is it a vote of no confidence in individual settlement buyers. The act is only to make sure that buyers treat sellers right so that people selling structured settlements in Colorado are set on an even playing field with those interested in partnering with them.


--
Jason Rigler and Prosperity Partners provide resources for settlement attorneys and settlement payees regarding the factoring of structured settlements in Colorado and Colorado structured settlement law

Source: http://www.articletrader.com ]]> http://www.articletrader.com/finance/loans/arizona-structured-settlement-statutes-protect-citizen-interests.html http://www.articletrader.com/finance/loans/arizona-structured-settlement-statutes-protect-citizen-interests.html Tue, 23 Dec 2008 12:11:08 -0600
The Intent Of Arizona's Structured Settlement Law

The intent of Arizona's structured settlement law is simply to ensure that sellers/payees are not taken advantage of. In many ways this is similar to the intent of laws that govern all types of lending and money transactions in the state like mortgages and loans—the estate simply wants to afford some protection to its citizens so that the sale is conducted fairly and in the interest of the seller.

Arizona's intent is not to convince sellers that selling structured settlements is somehow negative. The state does firmly recognize that there is a lot that can be gained through this type of sale, and that by selling structured settlement payments residents can utilize a very good financial tool. It is to that end that the statute has been written, so that the sale is most beneficial to the holder of the settlement.

Some Basic Information About AZ Structured Settlement Law

The first things stated in the Arizona law on structured settlements Arizona law on structured settlements is that no transfer (i.e., sale) of payments will be effective until approved by a presiding Arizona court. To gain approval, the company, terms of the settlement sale, and practices of the buyer must meet the strict regulations set forth by the state. In part, those requirements include

• Full compliance with the letter of the law, AZ Title 12, Chapter 20
• Full disclosure of all rates and fees, including discount rate and present discounted value of future structured settlement payments
• Provision of a disclosure statement to the payee no less than 10 days prior to effective date
• Net amount due to client (seller) after all discounts, commissions, and fees (in other words, the bottom line dollar figure of what is to be received in cash)

The statute also provides that the transfer and sale must be of benefit to the seller; it states that the transfer must be "…fair and reasonable and in the best interests of the payee and the payee's dependents," clearly showing that the weight of the law and of the transaction as a whole is behind the seller, and not the buyer of structured settlement payments.

Arizona has joined the overwhelming majority of states in enacting laws to protect the rights of structured settlement sellers. The language of the law is clear; in Arizona, structured settlement selling is to remain a useful financial tool that is to the benefit of the seller.



--
Jason Rigler and Prosperity Partners provide resources for settlement attorneys and settlement payees regarding the factoring of structured settlements in Arizona and Arizona law on structured settlements

Source: http://www.articletrader.com ]]> http://www.articletrader.com/finance/loans/state-of-pennsylvania-clarifies-terms-in-structured-settlement-protection-act.html http://www.articletrader.com/finance/loans/state-of-pennsylvania-clarifies-terms-in-structured-settlement-protection-act.html Thu, 18 Dec 2008 14:44:42 -0600
The state of Pennsylvania created a protection act for the selling of structured settlements in 2001; this was done to ensure that both parties understand all the terms and are protected before any such transactions occur. The General Assembly of the commonwealth of Pennsylvania named this act the Structured Settlement Protection Act.

Definitions of Terms

Some of the terms used in the act could be contrived as tricky to understand, so the General Assembly had the terms explained within the act. These terms are explained, in detail, and cover both sides of the settlement transaction. Terms such as,” annuity issuer” to terms like “transferee” are covered in the act. Some terms even quote the rules and regulations given by the Internal Revenue Service. This will allow for full clarification for all interested parties.

Equal Rights

This act ensures that all parties have equal rights when dealing with the structured settlement. There are certain conditions that must be met before such transaction can occur. Some of the most important conditions are as follows.

The first condition states a petition must be filed requesting such a transfer. This petition must be granted (approved) by final order of a court of correct jurisdiction. This petition must have written findings that:

• The requested transfer complies with all federal and state requirements or any applicable law that limits the transfer of workers’ compensation claims.

The second condition that must be met is that no less then ten days before transfer obligation, the transferee has provided a disclosure statement to the payee, setting forth the following:

• The amounts of structured settlement payments and the dates they are due to transfer
• The aggregate amount of payments
• The discounted rate of payments and the rate or rates used to determine that amount
• The available gross amount available instead of payments
• An itemized list of all brokers’ commissions, charges, fees, other commissions, and costs payable by the payee or deductible from the gross amount otherwise payable.
• The net amount available to the payee after such deductions
• The percentage obtained by dividing the net payment by the discounted present value of payments.
• The amount of any penalty of any liquidated damages, payable by the payee in the event of any breach of transfer agreement by the payee

The third is that the payee has shown that the transfer is truly in the best interest of the payee or their dependents, and the fourth states that the payee has received or has a separate written waiver stating that they have independent legal advice regarding the implications of the transfer which include the tax ramifications of such transfer.

These are the general provisions of the PA structured settlement law. For further clarification, read the law in its full text, or talk with a settlement buyer or similar professional accustomed to working with the PA statute.


--
Prosperity Partners provides resources for structured settlement recipients and their attorneys regarding the structured settlement laws and procedures for accelerating the payout of future payments to address immediate financial needs.

Source: http://www.articletrader.com ]]> http://www.articletrader.com/legal/personal-injury/new-york-structured-settlement-protection-statutes.html http://www.articletrader.com/legal/personal-injury/new-york-structured-settlement-protection-statutes.html Thu, 18 Dec 2008 14:30:15 -0600
The major provisions of the New York structured settlement protection statutes were adopted so as to make selling structured settlement payments in New York fairer to the seller. The state accepts the practice of selling payments as a viable financial management and cash-access tool, but it recognized the need to protect sellers so that it remained a tool of use for the buyer and not one for dishonest buyers to use to only their advantage. With the law behind them, sellers can now be assured that their interests have been accounted for in the transaction.

Major Provisions in New Your Structured Settlement Law

There are two major provisions of interest to sellers of structured settlements in New York. They are

• Disclosure
• Approval

Buyer Disclosure In New York Structured Settlement Sales And Transfers

One of the most important things the New York structured settlement transfer protection law does is require buyers to be open with the terms of the sale through full disclosure. The law requires that a written statement be provided to the seller before the seller can be obligated via contract to the sale. The disclosure must come at least ten days before the seller signs the contract for the sale and transfer of payments. It must include

• The amount of payments being paid to buyer
• The dates and number of payments to be made to buyer
• The present value (discounted value) of payments to buyer
• The gross and net amount of the payment to the seller (before and after fees, etc, are paid)
• The discount rate used in determining purchase values
• Any penalty amount that could be charged to the seller if they breach contract
• Comparable values of annuity purchases from the obligor (annuity fund) or an equivalent
• The right to cancel the contract within three days of signing

Court Approval In NY Structured Settlement Sales And Transfers

The court will look to see that all of the above disclosures were made as required and that the purchases are in the best interest of the seller. It will also require an application and package of supporting documents from the seller. When all of this is received the court will rule on approval. Once approval is granted the transfer can move forward and payment can be made to the seller.

Court approval is not a vote of no confidence in the process or act of selling structured settlement payments; it is nothing more than a security blanket for the seller. This is a law designed to keep selling and transferring NY structured settlement payments on a level ground, and to retain the integrity of the practice for the benefit of structured settlement payment holders.


--
Prosperity Partners provides resources for structured settlement recipients and their attorneys regarding the structured settlement laws and procedures for accelerating the payout of future payments to address immediate financial needs.

Source: http://www.articletrader.com ]]> http://www.articletrader.com/finance/michigan-structured-settlement-law.html http://www.articletrader.com/finance/michigan-structured-settlement-law.html Thu, 18 Dec 2008 14:24:22 -0600
Michigan Chapter 691, the
Michigan Structured Settlement Protection Act, is a law designed expressly for the protection of people who hold rights to and seek to sell structured settlement payments in Michigan. It is a law with a tri-fold purpose that definitively states the process, procedures, and rights for selling settlement payments in the state.


There are three basic functions of the law.

Establishing Conditions For Structured Settlement Sales In MI

The first function of the act, as defined by the Michigan state structured settlement protection act, is to establish conditions to the transfer of structured settlement rights; these conditions afford the opportunity for the state to set regulations for the sale of structured settlements. Conditions include things like

• Requiring disclosure (rates, values, and monetary terms of the deal—the details that show the seller what they are getting and what they are giving)
• Seller rights
• Itemization of buyer fees and commissions, costs paid by the seller (as applicable)
• Advisement by independent professionals
• Checkpoints to determine the financial benefit of the purchase (showing that the sale is in the seller's best interest and that it will not create a financial hardship)

The conditions segment of the law is the part that affords the most protection to sellers. Before the law, there was nothing to require buyers to make such disclosures, but with it the seller has clear and defined rights to information that must be provided to them. All of this serves to insure that the seller is kept informed and educated throughout the sale.

Establishing A Procedure For Settlement Sale Approval

The second function of the MI structured settlement law is to "establish a procedure for approval of the transfer of structured settlement rights;" the process of approval is basically confirmation that all of the conditions in the first action are met.

The process of approval is a defined procedure which states what each party must do and how to apply to the court for approval. This is a procedure that confirms compliance on the part of the buyer, and ensures the benefit of the deal for the seller. The procedure is a means to an end, but the act of approval is really a way to protect the seller.

Create Jurisdiction Over Michigan Structured Settlement Sales

The third and final action of the law is to "create circuit court jurisdiction for proceedings for approval of structured settlement rights." This simply makes it legal for Michigan courts to preside over MI structured settlement sales. It is an act of granting the authority to protect the seller by establishing the chain of approval.

The tri-fold purpose of Michigan's structured settlement protection law really comes down to one thing— seller protection. By taking these actions Michigan has established a way to support sellers of structured settlement payments and insure the integrity of the deal.




--
Prosperity Partners provides resources for structured settlement recipients and their attorneys regarding the structured settlement laws and procedures for accelerating the payout of future payments to address immediate financial needs.



Source: http://www.articletrader.com ]]> http://www.articletrader.com/finance/how-to-sell-structured-settlement-payments.html http://www.articletrader.com/finance/how-to-sell-structured-settlement-payments.html Mon, 15 Sep 2008 00:00:00 -0500
If selling structured settlement payments sounds right for you, you'll want to know more about the process and how to proceed from here. Here's an overview to get you started.

Locate A Structured Settlement Buyer

The first thing to do is locate and evaluate a structured settlement buyer who can give you cash for your payments. You can easily locate online settlement buyers through a web search. However, you do need to take care in choosing the right funding partner who will treat you fairly and ethically—one who has your best financial interests in mind first above all things, and above their own self-interests.

In addition to searching for settlement buyers online, you can also ask for referrals from friends, associates, and legal professionals such as the attorney who represented you in your case. Regardless of how you came to find the prospective funder, you should evaluate the company. Ask plenty of questions and make sure you feel comfortable with the company before agreeing to anything binding. Look for a company who

•Offers excellent customer service and responds fully and readily to you
•Offers free, non-binding quotes
•Offers a number of flexible structured settlement selling options so that a funding and purchase plan can be tailored to your specific goals and needs (look for full and partial buying options)
•Has a strong track record in the industry, with years of proven experience and references and testimonials to back them up
•Designs plans in your best interest first and foremost above theirs
•Offers competitive rates for structured settlement purchases (which will get you more money in exchange for the same amount of payments)

Moving On To Funding

After you have decided on a buyer for your settlement payments, a representative will lead you through the rest of the process.

To start, you will need to complete an application and provide all necessary supporting documents, such as proofs of identification, settlement orders, and paystubs from the settlement.

Once the application packet is complete, you will need to seek court approval for the purchase. Your structured settlement buyer will handle most of this on your behalf, and normally there is no court appearance required, but court approval is necessary. If a company tells you it is not, or promises to expedite your processing, beware—all structured settlement sales must be court approved, and there is no rushing the courts! On average court approval takes 45-90 days (usually more towards 90). Once the court approves, however, funding is fast. You should receive your money in about 5 to 10 days.


--
Prosperity Partners is a settlement factoring company specializing in providing capital for lottery winners and structured settlement payment recipients

Source: http://www.articletrader.com ]]>