How Annuities Work, and Whether One Is Worth It
How annuities work comes down to two phases and their cost. The honest version: payouts, the 10% penalty before 59½, and the fees that erode returns.
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How an annuity works, what it pays, and the real costs
Is an annuity worth it? The answer is in the fees — near zero on a fixed annuity, over 3% a year on a variable one. Here’s how to decide.
How a Retiree Should Weigh Selling a Structured Settlement
Structured settlement payments of $1,500 a month feel safe—until a buyer offers cash. See the real cost, court approval, and keep-or-sell math.
Does a Structured Settlement Count Toward Your Net Worth?
Structured settlement net worth confuses most people—it’s present value, not face total. Here’s the right number for every form you fill out.
What to Do First When You Receive a Large Settlement
Large settlement money is protected only to $250,000 per bank, and punitive damages are taxable. Here’s the first-30-days plan most people skip.
How Factoring Companies Build Your Structured Settlement Offer
Structured settlement factoring requires court approval and a ‘best interest’ finding — see the four inputs that shape your lump-sum offer.
The 1982 Law Behind Tax-Free Structured Settlements
Structured settlement payments escape federal income tax because of one 1982 law—and a later rule decides who pays the 40% tax when you sell.
What a Florida Structured Settlement Sale Involves
Florida structured settlement sales need court approval, and the payout runs well below face value. See the 45–90 day process and what you keep.
How a Qualified Assignment Protects Your Settlement Payments
Qualified assignments make injury settlements tax-free under IRC 130—but selling those payments can trigger a 40% tax most sellers never see coming.
How Your Structured Settlement Stays Outside Self-Employment Tax
Structured settlement money never counts toward the $184,500 Social Security wage base or your self-employment tax—see why, and what still gets taxed.
