on choosing to take
control of your life, and of your money!
And, thank you for letting us assist
you. You have a unique opportunity to do what they said you couldn't
- namely, sell your future payments for a lump sum of cash today!
Not only that, but by the time you finish reading this page,
you will have knowledge that the general public is not privy to.
This is exciting information that can help you, your family, friends,
co-workers, anyone who is dealing with periodic payments from
an income stream.
THE 10 MOST FREQUENTLY
THINGS YOU DEFINITELY WILL
WANT TO KNOW
BEFORE GOING ANY FURTHER...
WHY SHOULD I SELL MY INCOME STREAM?
If you are happy with receiving your money in
payments, then by all means, do not sell. Many people are
quite content receiving monthly, quarterly or annual payments
over a number of years. But, what if you have a
need for immediate cash?
Often, people find themselves in situations where
a lump sum of cash is required. These range from needing
to pay taxes and settle debts, to getting a divorce or experiencing
Many people want to cash out their payments in order to pay college
tuition, buy a home, or open a business. Still, others who
understand the time value of money will want to take
advantage of lucrative investment opportunities.
Whatever the reason, more and more people are choosing to
take a lump sum of cash today over waiting for future dollars
while inflation eats them away.
HOW DO INSURANCE COMPANIES AND
GOVERNMENT AGENCIES FEEL ABOUT THIS?
Well, in a word, THEY
HATE IT! Insurance companies do not want
you to know that you can cash out your payments. Why? Consider
what happens when an insurance company offers you a structured
settlement, paying what seems like a large amount of money, say
$100,000 dollars over a 10 year period. Do they actually
pay $100,000? Of course not. Common sense tells you
that. It is in their best interest to pay out AS
LITTLE AS THEY POSSIBLY CAN.
So, they buy an annuity for a lesser amount,
(A GREAT DEAL LESSER),
and then let that annuity earn sufficient interest to make your
payments over the next 20 years. They would never want you
to know that they actually paid only a fraction of what it looked
like they paid. It's a money game, and as long as you are in the
dark, they come out on top.
The same is true of lottery winnings.
When you win a million dollars in the lottery,
you don't really get a million dollars! You get annual payments
for 20 years. When you break it down over such a long time,
a million dollars is really only $50,000 per year, less taxes
of course. How much will that $50K buy in 10 years? Certainly
not what it will buy today! So, why don't they just give
you the money? Again, it's because they are investing a
much smaller amount, and letting it build interest to make those
$50K payments every year. In short, they are making money
on what should be your money, while you have to wait!
Now, consider for a moment what you would do if you had a
lump sum of cash. How would
you invest it? Do you think that you could
earn as much, if not more, interest for yourself? Wouldn't
you like to be the one making the decisions about your money,
and reaping the rewards?
IS SELLING MY FUTURE PAYMENTS LEGAL?
only is it completely legal, but corporate America and wealthy
individuals have been buying and selling contracts & income
streams to improve their cash flow and meet their financial obligations
for years. However, this knowledge has been a well-kept
secret from the general public. The truth is there are
funding sources across the country who are buying these types
of paper right now. Our job is to know who those funding
sources are, to know who pays the most for each type of income
stream, and to secure the highest purchase price for our client.
It's a job we do well!
WHY DIDN'T MY LAWYER TELL ME I COULD DO THIS?
Most likely, the reason your attorney did not give you this
option is because he probably
doesn't know about it! Attorneys are trained
to look out for the best interests of their clients, but they
are not trained in alternative finance or secondary markets. The
vast majority of attorneys, as well as the public at large, are
completely in the dark about these options. This is also
true of CPA's, financial planners, and real estate professionals.
They believe there are no options, and no one has told them
otherwise. However, those few who do know about these options
are jumping at the chance to offer
these services to their clients!
HOW MUCH WILL IT COST ME?
There are no out-of-pocket
expenses incurred by a client when selling
your income stream. All up-front costs, expenses and legal
fees are paid directly by the funding source.
HOW LONG DOES IT TAKE?
The process is pretty straight forward.
Once the necessary documents are in, the process
usually takes about 6 - 8 weeks for funding, sometimes even less.
Upon closing the deal, the funding source will send you
your money, either in a check by overnight courier, or by wiring
the $$$ directly
into your account, as you instruct.
IS THIS A LOAN? DO I HAVE TO PAY THIS BACK?
No, this is not a loan. There
is no money to pay back and no debt incurred.
When you sell your future payments, you receive cash
to use as you choose. There are absolutely no strings attached.
WHAT IF THE PAYOR DEFAULTS?
Once a funding source purchases your payments, they assume
all future risk. Should the payor go bankrupt or otherwise
default on the debt, the funding source takes the loss. No
one can ever come back on you.
HOW DO I PICK THE BEST BROKER?
One important question to ask a broker is how
many underwriters they are going to present your deal to.
This is a critical issue because many brokers
have entered into exclusive contracts with the funders themselves.
Funders depend on brokers to bring them their deals - these
brokers are their life blood. Therefore, it is in the funders
best interest to get the broker to sign a contract guarenteeing
them exclusivity. They do this by offering incentives. Many
offer co-op advertising dollars to the broker, or provide them
with prepackaged media. Others offer higher broker commissions,
or preferential broker status, etc.
Many brokers have been seduced into signing contracts to bring
their deals directly to these underwriters, thus eliminating any
outside competition. What
does that mean for you? Simple -- it means less money.
Because when a funder knows that no one else
is bidding on this deal, they can literally pay what they want,
which translates into as little as possible.
WHAT ABOUT CERTIFICATION?
This is an important question
to ask. As with any industry that experiences
a period of growth, there are always those few individuals who
choose to operate in an unethical manner, and diversified cash
flow is no exception. Especially when the industry is new,
it can be that much harder to know who you are dealing with. This
is why certification is extremely important. The diversified
cash flow industry is self-regulating and has developed training
standards, testing for certification, and continuing education
requirements that are nation-wide. Still, there are a lot
of so-called "brokers" who are not certified at all. These
individuals may only represent one or two funding companies, which
eliminates competitive bidding. And, because they are unregulated,
your recourse is limited. Therefore, always
be sure to ask about certification. If
necessary, contact the American
Cash Flow Association, located in Orlando, FL., to verify
the status of a particular broker. Or, visit their web site
now know more about Diversified Cash Flow then 99% of the general
population. As I said, most people do not even
know that such options exist! Believe me, when I show people
how I can help them get cash now instead of waiting, how they
can pay off debts, actually beat inflation, and meet their immediate
financial needs, our clients are THRILLED!
Now, it's your turn to get what you need! Are you ready
to start working on your deal? Then, go to our Get
A Quote page. This page will ask you for specific
information about yourself and your income stream. Our team
will start working on your deal right away. Remember, the information
you provide is confidential and you are under no obligation whatsoever.
Don't let your money sit in someone else's hands ONE MORE DAY
before you learn what's available to you. Take
charge of your money!