Hi folks, JG Wentworth here.

Every day, people from around the country call us to talk about selling their structured settlement or annuity payments for a lump sum of money.  They need cash now, and they want to know how they can get it.

Perhaps there was a point when the money these folks were receiving from their structured settlement or annuity payments met their needs.  But then those needs began to change.  Maybe their medical bills became higher than they ever thought they would be. Or they want cash to invest in a new business, buy a home, help a loved one.  Ultimately, it doesn’t matter what the reason is.  The bottom line is that it is their money, their life.

While everybody's situation is different, there is usually one common theme involved in these conversations: It's about control.  The people who call us feel like they are no longer in control of their own money - and they want that control back. 

That's where we come in. 

JG Wentworth's mission is to help people regain power over their own lives. It's what JG Wentworth has been doing for over 20 years, and why we are a leader in getting our customers the cash they need upfront from their structured settlement and annuity payments. People call us because they know we will patiently, clearly, and honestly discuss their situation and help them come up with a new plan, one designed to help find a solution to their immediate financial problems and meet their needs as fast as we possibly can. 

If you call us, that’s exactly what we’ll do for you, too.  Which is exactly as it should be. 

Because, after all, it's your money, your life.

And shouldn't you be in charge of both?

 Hi folks, J.G. Wentworth here.

Last night while I was watching TV at home, I saw a commercial about how to spend your tax return money this year. Many people will put it towards a big purchase they want to make or use it to pay down their debt. But, what if the refund isn't enough to cover the entire purchase or get you out of the red and into the black?

The money you get from the IRS is certainly a start, but if you need cash now then that's where we come in.

At J.G. Wentworth, you can sell some or all your structured settlement or annuity payments for a lump sum of cash. So if your tax return falls short of your financial needs in the coming months, consider our services for additional help with your cash flow. Wouldn't you like to start the year off right by getting your finances in order?

In order to get the most out of your tax return, avoid heavy spending. Some people view their tax return as "free" money to justify spending it frivolously. If you need cash now to make a purchase, pay bills, or reduce your debt, you should put this money towards needs rather than wants. Eliminate the temptation to spend your tax return foolishly by removing it from your checking account for safe keeping. If you need extra cash over and above what you receive from the IRS this season, contact us today. We have experienced representatives who can help you make an informed decision about selling future periodic payments for a lump sum of money sooner.

With millions of Baby Boomers reaching retirement age at the same time, it is becoming quickly apparent that Social Security benefits may not be there for everyone. Without these benefits, some may not be able to reach the dream retirement they had hoped for. For many seniors who kept an eye on retirement throughout their careers, purchasing an annuity may have seemed like a good idea at the time. But with early retirement looking like an unlikely prospect for most, many are looking to get cash now for their future annuity payments.

While retirement has long been the dream of aging Americans, it is a luxury few can afford. According to a study released in November 2011 from the nonprofit Transamerica Center for Retirement Studies, more than three in five U.S. workers in their 50s and 60s plan on working past 65 -- and 47% of that group say they'll do so because they'll need the money or the health benefits.

Getting access to a lump-sum now, instead of waiting for future annuity payments, can help seniors pay for medical bills that Social Security may not cover, help keep older homeowners from possible foreclosure, or just give them breathing room on bills and other odds-and-ends. For seniors who do have savings, but not quite enough to retire, selling some or all of their annuity payments can free up cash for some long-overdue travel plans, or for making essential repairs around the house.

Everyone could use some extra cash, but as seniors look to work into their golden years, that extra cash can be essential to keeping the lifestyle they have become accustomed to and keeping finances flexible when plans change. While retirement is a great option for some, for others it is just not in the cards. While responsible retirement planning may have started with an annuity years ago,  firms like JG Wentworth, that purchase future annuity payments, will work with you to help you get out of your retirement plan that may have outlived its usefulness. Whether you inherited your annuity, or planned for it and now need the cash, or simply wish to diversify your investments, we can help you achieve the golden years you always dreamed of.

Hi Everyone, JG Wentworth here.

Today I want to talk about something that all of us know in one way or another: stress. Stress is not necessarily a bad thing, but it can become a terrible thing if it takes over your life. It can lead to heart disease, high blood pressure, and other physical side affects. There are many things that may cause stress, but frequently a contributing factor is money. Not being able to pay one's bills can be a huge burden on one's state of mind. Unfortunately, there are many out there who must deal with this every day, even those with structured settlements.

A structured settlement plan is supposed to provide economic relief for a long period of time. It was created to prevent heavy spending and encourage financial responsibility. It breaks up the settlement in smaller payments over a long period of time. Unfortunately, life does not always go along with the plan. Along the way, you may find yourself in a situation where you need more than your structured settlement payments provide. It could be paying for higher education, a large medical bill or anything in between. You shouldn't have to stress about how you're going to find the money to pay the next bill when there is another way out.

Contact one of our representatives today to find out whether selling all or part of your structured settlement payments can help you find stress relief. We have helped many receive a large lump sum now for their future structure settlement payments in order to take care of the mounting bills in their lives. Beat stress today with a lump sum payment from JG Wentworth.

Did you know that most people who enter a college or university today will leave with some sort of debt? In fact, the average amount of money those students will owe after they leave college is over $25,000. No matter what the economy is like – good or bad – college tuition costs have continued to rise. Since 2000, public tuition grew at an average 5.6% above inflation. That's higher than it has ever been before, and costs don't appear to be going down anytime soon. That means college graduates will continue to leave college with more debt and fewer opportunities.

If you're worried about how you're going to pay for your children’s or your own college education, you may want to consider selling all or a portion of your structured settlement payment. A structured settlement is a good long term solution to managing your finances, but there are times when you may need additional help sooner. A tuition bill could certainly be one of those times. In this tough economy, a college degree is more important than ever to obtain a well-paying job and accomplish your career goals. You shouldn't have to go into deep debt to live out your dreams.

If you're struggling to come up with a payment plan for college tuition and receive structured settlement payments, contact a JG Wentworth representative today. We have helped thousands pay off their college tuition, medical bills, and other life events that might require more than a structured settlement payment.

Hi folks, J.G. Wentworth here.

Last night while I was watching TV at home, I saw a commercial about how to spend your tax return money this year. Many people will put it towards a big purchase they want to make or use it to pay down their debt. But, what if the refund isn't enough to cover the entire purchase or get you out of the red and into the black?

The money you get from the IRS is certainly a start, but if you need cash now then that's where we come in.

At J.G. Wentworth, you can sell some or all your structured settlement or annuity payments for a lump sum of cash. So if your tax return falls short of your financial needs in the coming months, consider our services for additional help with your cash flow. Wouldn't you like to start the year off right by getting your finances in order?

In order to get the most out of your tax return, avoid heavy spending. Some people view their tax return as "free" money to justify spending it frivolously. If you need cash now to make a purchase, pay bills, or reduce your debt, you should put this money towards needs rather than wants. Eliminate the temptation to spend your tax return foolishly by removing it from your checking account for safe keeping. If you need extra cash over and above what you receive from the IRS this season, contact us today. We have experienced representatives who can help you make an informed decision about selling future periodic payments for a lump sum of money sooner. 

Hi, Folks. J.G. Wentworth here.

I just finished listening to a podcast from Ringer Radio - a source for some the latest news and information about structured settlements from experts in the industry - in which the host, Larry Cohen, and the show's guest, personal injury attorney James C. Lewis, explained the reasons why a structured settlement is a smart choice when a child is injured.

According to the host and the guest, the reasons why a structured settlement, as opposed to a lump sum is the best choice for the child as well as the family in the long run, are as follows:

·         Young people who receive a structured settlement are usually given access to that money when they reach the age of 18 or 21, depending on the laws in the state where they live.   They might not have the insight, judgment or maturity to manage it properly if they receive it in a lump sum at the time it is awarded and when they are of a younger age - structured settlements cure that problem.

·         Structured settlement payments are planned out to fit the child's future goals as best as possible. For example, payments can be scheduled in advance for college tuition and other expenses. If the child doesn't end up going to college, those payments will be available to the then-adult at the regularly scheduled time.

·         Catastrophic injuries are expensive. Not only do children suffer the devastation of an injury, but the whole family may suffer financially. Periodic structured settlement payments can help to ensure that future medical expenses can be covered for complications that may arise.

While all of these points are valid, I couldn't help but think about all the structured settlement payments we have purchased from people whose payments had no longer fit their needs. Life is full of variables that are impossible to predict, especially when it comes to guessing the future of a young child. Perhaps the child has overcome obstacles that originally were associated with the injury. Maybe their dreams and goals have changed, which then changes their financial needs, so that the scheduled payments might no longer fit based on their original timeframe.

If you have future structured settlement payments lined up, but you need cash now to cover unforeseen expenses, contact J.G. Wentworth today.

Hi Folks, J.G. Wentworth here. Today I'd like to talk about one of the greatest benefits of selling your annuity payments: potentially higher returns as a result of diversifying your investment.

Many baby boomers are turning to annuities as a safe investment opportunity because they are a source of guaranteed income during retirement years. With gaps in social security and other investments, I can't blame them. After all, amidst all of the current economy's uncertainty, who wouldn't want a product that provides lifetime income? At the same time, I can't help but wonder if the money they are investing in annuities could be growing quicker or producing higher returns by choosing diversified investment options.

As the saying goes, "Don't put all of your eggs in one basket." If you own an annuity, think about this expression in the context of your investment. Are you pooling all of your resources in one "basket"? If so, you might want to consider diversifying your investment, rather than channeling everything into one venture. In finance, diversification is the fundamental principal of mixing a variety of investments within a portfolio for sound investing - a strategy that is strongly recommended by advisors and other professionals in the industry. Could selling your annuity payments for a lump sum of cash give you the opportunity to earn higher returns in the long-run?

If you want to learn more about selling your annuity payments, contact J.G. Wentworth today. Our customer service representatives will help you understand your options and explain the process to you, so you can evaluate your retirement needs and the needs of your family.

Hi Everyone, J.G. Wentworth here.

While winning the lottery may seem like a far-fetched dream, some lucky folks have realized this blissful reality. And with this reality they have also faced the decision as to whether to receive periodic payments or a lump sum.

After receiving a large amount of money, it's expected for someone to remain speechless. So, while you are in a state of jaw-dropping gratitude for your lottery winnings, you should begin considering which payment method to choose.

While some winners choose to receive periodic payments, they may soon realize that they need more of their lottery money now, because their financial circumstances have changed. They may have recently experienced a medical emergency that brought about expensive medical bills to pay off. Rather than waiting for the periodic payments, they can pay off the bill sooner with a lump sum of cash that we can provide by buying those periodic payments. Maybe they have children who are getting ready to go to college. Rather than taking out loans, they can use that lump sum to pay off those college expenses.

Maybe those lucky winners don't necessarily need the money for a certain financial circumstance, but rather, would like to have the money to use for themselves - for a fun new car, or a much needed and long anticipated vacation.

Whatever the reason for wanting a lump sum now, instead of waiting for your future lottery payments, we can help you.  We can work with you and discuss your needs - maybe selling a portion of your winnings will help with your current needs, and you can keep the rest of your lottery payments coming in as scheduled. We will work with you to help design a sale of your lottery payments that fits your financial needs.

If you have any questions or would like to learn more about selling your lottery winnings for a lump sum, feel free to contact us.

Hi Everyone, J.G. Wentworth here.

Debt has become a growing concern affecting countless Americans. And while some are able to manage their financial issues on their own, others find themselves knee-deep in debt and looking for a solution. Fortunately, J.G. Wentworth can help.

By selling your structured settlement payments for a lump sum of cash, you can start climbing your way out of debt and move towards a fresh financial start. While you must make the decision as to how to pay off your debt with your lump sum, below is helpful information regarding the two most commonly used types of debt payoff methods and the benefits of each. Before you have received any money from selling your structured settlement payments, you should list all of your debts. Then, by taking a look at your debts and what you owe, this will help you decide which debt payoff method below fits you best. 

1.  Pay off the highest interest rate first

Paying off your debt with the highest interest rate first can grant you several benefits. To begin with, this method may allow you to save money in the long term. Think about it – holding onto a loan with a 7% interest rate and paying off a 14% loan could save you money, depending, of course, on the amount of the 2 debts owed.  Additionally, paying off your debt with the highest interest rate first, is emotionally refreshing. You're paying off the highest rate you owe, leaving you with lower rate payments that should motivate you to pay off even more of your debt.

2.  Pay off the highest balance first

Others, however, have turned to the "snowball method" in which they pay off their debts from the smallest to largest amount, while making minimum payments on other balances. Several prefer this method because after paying off one amount in full and seeing results, they become motivated to continuously make other payments.

Both payment methods have proven themselves effective in helping those people struggling with debt. By reviewing your own financial situation, you can determine which method fits you best. If you have any questions or would like to learn more about how a lump sum can help you pay off your debt, feel free to contact us.