Structural Concepts
|
|
Topics in Structural Heart Disease: (Emerging Concepts in Cardiology Series), Cr $6.83 |
|
|
Countertop Refrigerated Display Case Structural Concept $300.00 |
|
|
Structural Concepts Dry Bakery Display Case – PRICE REDUCED 1 WK ONLY! $700.00 |
|
|
Seeing and Touching Structural Concepts – BRAND NEW $153.26 |
|
|
Bakery Case 48″ Structural Concepts Model MSAD48 $599.00 |
|
|
STRUCTURAL CONCEPT LIGHTED 2 GLASS DOOR HIGH END DOUGHNUT,BAKERY DISPLAY CASE $999.99 |
|
|
HEAVY DUTY COMMERCIAL”STRUCTURAL CONCEPT BEAUTIFUL LIGHTED DOUGHNUT DISPLAY CASE $999.99 |
|
|
Structural Equation Modeling With AMOS: Basic Concepts, Applications, and Progra $41.31 |
|
|
NEW Starbucks Structural Concepts Self Contained Refrigerated Case SB5766.3923A $6,499.00 |
|
|
Optimum Structural Design: Concepts, Methods, and Applications by Uri Kirsch… $23.00 |
|
|
Lifetime-oriented Structural Design Concepts NEW $338.26 |
|
|
Structural Concepts Oasis CO5978R 59 1/4″ Air Curtain Merchandiser Refrigerator $4,732.00 |
|
|
Psychoanalytic Concepts & the Structural by Arlow, Jacob A $7.95 |
|
|
STRUCTURAL CONCEPTS ACRYLIC DOOR DRY BAKERY CASE WITH LIGHTS $995.00 |
|
|
Structural Concepts in Immunology and Immunochemistr 68 $5.00 |
|
|
structural concept dry display case $400.00 |
|
|
Structural Concepts Display case $250.00 |
|
|
Structural Concepts Dual Service Refrigerated Open Display Case Freezer SB2770 $2,795.00 |
|
|
Structural Concepts COU2757R Refrigerated Deli Bakery Case NICE $1,795.00 |
|
|
Structural Concepts Refrigerated Open Front Display Case w/ Curved Glass Dry Top $2,295.00 |
|
|
Structural Concepts Refrigerated Deli Merchandiser Display Case – Model RDG7748R $1,895.00 |
|
|
STRUCTURAL CONCEPTS OPEN AIR MERCHANDISING COOLER/REFRIGERATOR GRAB N GO. $749.99 |
|
|
Structural Concepts 77″ Long Refrigerated and/or Dry Bakery Equipment Case $2,999.99 |
|
|
Structural Equation Modeling With AMOS: Basic Concepts, Applications, and Prog.. $43.38 |
|
|
Structural Equation Modeling With AMOS: Basic Concepts, Applications, and Progra $38.64 |
|
|
Structural Equation Modeling With Eqs: Basic Concepts, Applications, And Program $36.99 |
|
|
STRUCTURAL CONCEPTS SELF CONTAINED DISPLAY CASE REACHIN REFRIGERATED DISPLAY $1,200.00 |
|
|
Structural Equation Modeling With AMOS: Basic Concepts, Applications, and Pro… $108.51 |
|
|
STRUCTURAL CONCEPTS 76″W LIGHTED COLDFOOD DISPLAY CASE $2,499.00 |
|
|
STRUCTURAL CONCEPTS 78″W DELI LIGHTED COLD DISPLAY CASE $2,499.00 |
|
|
STRUCTURAL CONCEPTS LIGHTED DONUT BAKERY, DISPLAY CASE $1,399.00 |
|
|
STRUCTURAL CONCEPTS BAKERY, DELI COLD OPEN DISPLAY CASE $1,799.00 |
|
|
Topics in Structural Heart Disease (Emerging Concepts in Cardiology Series), Cra $7.35 |
|
|
Structural Concepts HOU4852R – 50″ Dual Zone Merchandiser $4,995.00 |
|
|
Structural Concepts Self Service Bakery Cases $1,775.00 |
|
|
Lifetime-Oriented Structural Design Concepts – Hardcover $158.61 |
|
|
Meat Cooler Display Case 4 ft. Structural Concepts $1,200.00 |
|
|
Produce Cooler or Deli meat cooler dispaly 4 ft. Structural Concepts $1,200.00 |
|
|
STRUCTURAL CONCEPTS 58″W COLD BAKERY DISPLAY CASE $1,899.00 |
|
|
STRUCTURAL CONCEPTS 47″W REFRIGERATED BAKERY DELI MEAT DISPLAY CASE LIGHTED $1,799.00 |
|
|
USED STRUCTURAL CONCEPTS WG3855 RETAIL GROCERY BAKERY DRY MERCHANDISER DISPLAY C $495.00 |
|
|
Structural Concepts Dry Self Service Bakery Case $700.00 |
|
|
Structural Concepts Dry Non-Refrigerated Bakery Donut Dessert Display Case HV74 $1,795.00 |
|
|
STRUCTURAL CONCEPTS OPEN-AIR REFRIGERATED MERCHANDISER! $1,499.99 |
|
|
Lifetime-Oriented Structural Design Concepts, , Excellent Book $156.99 |
|
|
STRUCTURAL CONCEPTS REFRIGERATED DRY MERCHANDISE DISPLA $3,795.00 |
|
|
Structural Equation Modeling with AMOS: Basic Concepts, $66.67 |
|
|
Structural Equation Modeling With Mplus: Basic Concepts, Applications, and… $117.33 |
|
|
Structural Equation Modeling: Concepts, Issues, and … $59.95 |
|
|
Seeing Touching Structural Concepts Book | Tianjian Ji Adrian Bell NEW PB TNF $47.13 |
What Your Structured Settlement Payments Are Worth
When customers call J.G. Wentworth to inquire about selling some or all of their structured settlement payments, one of the most important questions they want an answer to is what their payments are worth.
For starters, answering what they are not worth might be helpful. Your structured settlement payments are not worth the number of payments you are getting, times the dollar value of the payments.
The fact is, a payment you are going to receive in the future is worth less than the very same payment received today. Understanding why this is so is often very difficult. If you want to leave it at future payments being worth less than present payments, then read no further. If however, you want to understand the underlying principals then read on.
Basically, payments in the future are worth less than payments today for two reasons: inflation and interest. We’ll provide an example of each concept to make them clear.
Let’s take a look at the impact of inflation – which is the rise of prices over time – first.
For starters, forget about money and think about goods. Suppose that today you can buy four candy bars for the money you have in your pocket. Now let’s further suppose that prices continue to rise so that after 10 years you can buy just one candy bar for the same amount. Basically, it takes four candy bars in the future to equal the value of one candy bar today.
Now substitute the word dollar for the words candy bar. Now it takes four candy bars in the future to equal the value of one candy bar today translates into it takes four dollars in the future to equal the value of one dollar today. What’s going on here? Basically, rising prices means that dollars received in the future can buy less and therefore dollars received in the future are worth less than dollars received today.
Now what about interest?
Consider this: at prevailing interest rates of say, 3%, $1.00 invested today will be worth $1.03 a year from now. Another way to say this is that today’s value of $1.03 received a year from now is $1.00. Finance professionals would simply say the present value of a $1.03 one year from now is $1.00.
Now how does this impact your structured settlement payments? Basically, when someone buys your future payments they have to decide between buying your payments and buying other investments that could pay them interest. If they paid you $1 today in exchange for the $1 you will receive in a year, they are losing the 3 cents they could have earned by investing it elsewhere.
So how do they avoid losing this 3 cents when buying your settlement payments? By paying less than a dollar for them. If someone pays you $0.97 today, and then receives your $1.00 in the future, then they make about same $0.03 that they could have by simply investing a dollar at 3%.
This is why investors pay less for future payments than the dollar amount you will receive in the future: because they can earn interest elsewhere.
When you put the two factors together, rising prices or inflation and the ability to earn interest, they conspire to make future payments worth less when expressed in terms of their value today. If this is clear to you now, congratulations, you have mastered one of the more complex concepts in finance. If you don’t quite understand the entire concept, give it some time. It may take a while, but eventually, the concept will sink in.
About the Author
J.G. Wentworth will buy structured settlements and give you the cash you need now. Things change in life and when you need someone who can purchase structured settlements to get you out of a bind, you can count on J.G. Wentworth.
fmage]
STRUCTURAL CONCEPTS – Breeze T Slide-Out Refrigeration System