National Buyer of Structured Settlements and Fixed Annuities Uses Video Marketing Services to Boost Awareness, Brand and Clientele

Salt Lake City, Utah (PRWEB) January 10, 2013

National Buyer of Structured Settlements

National Buyer of Structured Settlements

With the launch of their new interactive website, National Structured Funding® is using video marketing to drive traffic and increase brand awareness. National Structured Funding’s® mission is to be a national leader in the Structured Settlements industry as a premier buyer of Structured Settlements, Fixed Annuities, Life Contingent (non-guaranteed) Structured Settlements, State Lotteries, Royalty Payments and other income streams. Placing the customer’s needs first, coupled with offering the largest payouts for its customers in the industry, has quickly made National Structured Funding® a trusted source for individuals looking for lump sum payouts.

“It’s rewarding”, said Mark D. Graham, President of National Structured Funding®, “when you have an individual or family who needs a lump sum payment to start a new business, or for an unexpected life event, peace of mind, college tuition for a child, to pay off debt like a mortgage, or any other reason and you are able to help them and offer a higher payout as compared to the other national brands.”

With a large array of services being offered, and looking for stronger national coverage, it’s no surprise why National Structured Funding® turned to the expert video marketing services of Video Broadcast Services.

Video Broadcast Services began carving its name in the video marketing space with one goal in mind; to put the customer’s needs first.

“There are video marketing companies who give incorrect expectations to their clients and ultimately end up giving the industry a bad name”, said Marcia Hawkins, President of Video Broadcast Services. “We knew from day one that we wanted to be different. It has always been our goal to over-deliver for our clients. At the end of each video marketing campaign, we want our clients to feel that they received more than they paid for.”

Continue reading>> Announces Help for Students Seeking a Way Out of Overriding Debt

HARTFORD, Conn., Jan 21, 2013 (GLOBE NEWSWIRE via COMTEX) — via PRWEB – has today debuted new solutions for students struggling with high debt levels. This move comes in response to a significantly growing demand from students across the nation seeking to sell structured settlements in order to gain better financial liquidity through SSQ.

According to national studies, student debt is at an all-time high. 12 million students each year have to borrow money in order to pay for a college education. In addition, the country is suffering from a very high number of outstanding college loans – 37 million student loans are currently outstanding (students behind on payments).

The Consumer Finance Protection Bureau reports the dollar amount of these outstanding loans at $1 trillion ($902 billion as reported by the Federal Reserve Bank of New York). The average debt load for a student has increased by 5% since 2010, rising to $26,600 (averaged across all student loans).

This enormous debt burden puts students in a very difficult position. In order to pay for their education, they need funds. However, most lack those funds because they have not gotten the education necessary to start their careers. By selling structured settlements, students can gain access to “free and clear” money to use as payment for their education without incurring additional debt or to pay down current debt incurred by taking out student loans.

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S&P puts 7 ratings on 7 structured settlement bonds on watch positive

– We placed our ratings on seven tranches from seven securitizations backed by structured settlement payments on CreditWatch with positive implications.
– Securitizations backed by structured settlement payments are typically payments resulting from an arrangement between a claimant and defendant structured as installment payments that satisfy the settlement.
– The CreditWatch placements reflect the increased overcollateralization and principal payments to the notes.

NEW YORK (Standard & Poor’s) Jan. 11, 2013–Standard & Poor’s Ratings Services today placed its ratings on seven tranches from seven securitizations backed by structured settlement payments on CreditWatch with positive implications (see list).

The securitizations are backed by structured settlement payments, which are payments resulting from an arrangement between a claimant (for example, a plaintiff that has settled a personal injury lawsuit) and a defendant and/or the defendant’s liability insurer, typically structured as installment payments that satisfy the settlement. The defendant generally arranges to discharge its payment obligation to the claimant by assigning this obligation to a settlement counterparty. The settlement counterparty then typically funds the obligation to make the agreed-upon payments by purchasing an annuity contract from an annuity provider.

Today’s CreditWatch placements reflect the principal payments to the notes and the resulting increased overcollateralization the principal payments help to provide.

We will resolve today’s CreditWatch placement after we complete a comprehensive analysis and committee review of the transaction.  We expect to resolve the CreditWatch placement within 90 days.  We will continue to monitor the transaction and take rating actions, including CreditWatch placements, as we deem appropriate.

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Structured settlement companies continue to appear in the news headlines as of late. The big story is the notice that Standard and Poors placed bonds from seven different structured settlement deals on watch positive. The flow of funds into this arena for investment purposes remains strong, as buyers of structured settlement bonds look forward to above average return on investment.

Real-Estate Tips from a Mega-Broker to the Stars

Asking Price Is Critical – Avoid Shooting For the Moon

Real Estate Broker to Stars

Real Estate Broker to Stars

Sure, when it comes to one-of-a-kind mega-home properties, the sky might very well be the limit for price; but being overly aggressive in establishing an asking price for your home can have serious consequences that could prevent you from reaching top dollar. Obviously, you want to leave room to negotiate, but hoping to find that one buyer who will pay your unrealistic price is a risky proposition.

In the past, “testing the market” to see what offers you might get had no real downside. But with the advent of ubiquitous real-estate websites that offer listed property information to the general public, you can no longer afford to just let your property sit there and wait to see what happens. As time passes, buyers perceive unsold property as stale, which will not help you maximize your selling price.

If you want to test the market, just reach out to the brokerage community in your area. They’ll help you get a read on how fast properties are selling and at what price. Don’t list your property outright, though, because once you do, the clock starts ticking.

Making an Offer? Put It in Writing

So, you’ve found the home of your dreams and would like to make an offer. My advice – always put it in writing! Do so for two reasons – to avoid future misunderstandings, and, more importantly, to convey to the seller that you are a serious buyer.

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Real estate numbers due out Friday

The Greater Rochester Association of Realtors will release fourth-quarter and year-end results Friday for its 11-county coverage area.

Home sales have increased in the Rochester region each of the past three quarters in 2012, according to local real estate data. The median sale price also increased during the past three quarters.

Home building in the Rochester region is also reportedly rebounding, according to the Rochester Home Builders’ Association, which will also report its 2012 numbers.

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Real Estate Watch: Housing market is recovering, not booming

U.S. housing markets are in a recovery. But the rebound from the depth is modest, and how long the housing recovery will last is anybody’s guess.

Evidence of an upswing is so plentiful that Rick Sharga, executive vice president of Carrington Mortgage Holdings, a real estate company in Aliso Viejo, Calif., says “virtually every metric” points to a housing recovery.

Specific numbers vary, as always, from one month and one locale to the next. But sales of both brand-new and existing homes are up, prices are up, residential building permits are up, and sales of bank-owned foreclosure properties are down.

“A market that was at an incredibly low point has stabilized and is showing signs of getting better,” Sharga says. “But it’s all relative. We’re not looking at a boom. We’re looking at a slow and steady recovery.”

That caution stems in part from a few “hidden aspects,” to use Sharga’s characterization, that lurk with the flurry of positive numbers.

One is that all-cash, investment-oriented buyers purchasing homes to hold as rental properties continue to close a large proportion of home sales transactions. An investor-driven recovery isn’t problematic in and of itself, but Sharga questions whether the current momentum can be sustained without a resurgence of first-time and move-up homebuyers, who historically close the bulk of home purchases.

“Your average homebuyer really hasn’t come back into the market in a meaningful way,” Sharga says.

Another concern is that upticks in building and foreclosure activity on the supply side could create a significantly larger inventory of houses for sale a year or so from now. That “could have an impact on pricing,” Sharga suggests, if more traditional buyers don’t return to the market to snap up those additional homes.

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When looking at the housing market, nearly every indicator is showing positive signs of improvement: from sales of existing homes, to first time home buyer involvement, to commercial property transactions, the numbers are arguably better than they have been in years. The big questions is will this rebound continue, or is there some new crisis that will derail the building prosperity in the real estate market? Let’s keep a positive outlook and plan for continued improvement.

First-Time Home Buyers Missing Out on Housing Recovery

First Time Home Buyer

First Time Home Buyer

As the housing market continues to show improved signs of strength, many first-time home buyers are failing to benefit from the broader recovery.

The Campbell/Inside Mortgage Finance HousingPulse Tracking Survey, released last week, found that first-time home buyers were purchasing only 34.7 percent of the homes sold in October. That’s down from 37.1 percent in September, and is the lowest percentage ever recorded by the survey.

This decline surfaces as purchases of non-distressed homes—houses that are not in foreclosure—have increased dramatically in 2012. The report shows that the vast majority of the homes being sold are regular purchases—accounting for 64.7 percent of all houses sold in October, up from 55.7 percent in February. The increase is a sign of strength in the housing market, as fewer people are buying homes in foreclosure.

But according to the survey, first-time buyers are the only group that has not purchased more non-distressed properties in the last five months. Meanwhile, current homeowners are picking up an increasing number of properties, purchasing 54.4 percent of all homes in October, up from 50 percent in June.

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The Perfect Real Estate Market for First-Time Home Buyers

If you are a first-time home buyer who has been looking for the perfect opportunity to buy a new home, then the time is now. The current real estate market is perfect for everything from buying a new home to investing in the real estate market, which is why first-time home buyers and investors have been going head to head and competing for the best real estate on the market.

Why, exactly, is now a great time for first time home buyers to purchase a new home? From incredible deals on foreclosure and short sales to low interest rates and a projection for rising home prices in the future, now is the perfect real estate market for first-time home buyers.

If you are a first-time home buyer looking to buy a new home in the current real estate market then you are more than likely looking for the best deals possible. Fortunately, with the number of foreclosures and short sales on the market, you can find discounted properties that are well below market value, which essentially allows for a lower monthly mortgage payment.

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Buying That First Home Is Getting Harder

The housing market may be recovering, but not everyone’s along for the ride. First-time buyers are becoming a shrinking share of purchasers, according to the results of a monthly survey of 2,500 real estate agents. New home buyers made just 34.7 percent of all purchases in October, the lowest since the Campbell/Inside Mortgage Finance HousingPulse Tracking Survey started in September 2009. Three years ago, first-time borrowers were 47 percent of all buyers, buoyed at the time in part by a tax credit.

First-time homeowners, who typically buy lower-priced homes and need extra financing, are losing share as the market shifts from distressed properties such as foreclosures. Distressed sales, which usually cost less, were almost half of all of purchases a year ago, but now they’re just over a third of sales. At the same time, prices for all existing homes have been rising—prices were up 4.4 percent in September over the previous year, according to the Federal Housing Finance Agency—making homes less affordable for first-time buyers.

For new buyers, rising prices are coupled with difficulties in getting a mortgage. About half of all first-time buyers get their loans through HUD’s Federal Housing Administration, which allows down payments as low as 3.5 percent. Because loans with lower down payments are riskier, the FHA’s rates are typically higher than those of traditional mortgages. With interest rates at near-record lows, the incremental difference wasn’t causing much consternation in the past. But facing concerns that it has taken on too much risk and may need a bailout, the FHA raised rates in August and plans to do so again next year.

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Court decision a boost for California’s budget

A Thursday decision by a federal appeals court could be worth $659 million a year for California’s budget.

The court’s ruling allows the state to move forward with a cut to Medi-Cal reimbursement rates, meaning doctors and other healthcare providers will be paid less for providing services to poor Californians who use the program.

Gov. Jerry Brown tried to make the cut in June 2011, but lawsuits and negotiations with the federal government had placed it on hold until now. Healthcare providers who sued to block the cuts say they’ll appeal Thursday’s decision.

Still, administration officials are preparing to save $659 million annually. The administration’s budget projections always expected that the state would win the case eventually, but the victory came sooner than expected, said H.D. Palmer, a spokesman for Brown’s Department of Finance.

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California’s recovery raises hopes for restoring health, social service cuts

People camped out overnight, enduring pain and boredom while waiting hours in line for something they could not otherwise afford.

It was not a Black Friday sale, but a free dental clinic this summer that attracted a record number of toothaches to Cal Expo in Sacramento.

Three years earlier, the state eliminated most adult dental services to help balance the budget.

As California recovers from a deep recession and expects several billion dollars’ worth of new voter-approved taxes, Democrats and low-income advocates are clamoring to restore health and social service programs such as adult Denti-Cal.

Senate President Pro Tem Darrell Steinberg, D-Sacramento, specifically mentions the dental program as a priority and sees “pent-up demand” to undo the most severe budget cuts, though he isn’t sure if that can happen immediately.

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California tentative budget holds taxes steady

CALIFORNIA — California Borough Council adopted a tentative budget of $1,544,460 Thursday, with no expected tax increase.

Adoption of the final budget is expected Friday, Dec. 28 at 11 a.m.

The council also directed the solicitor to begin drafting an amusement tax and to look into modifying parking requirements in the current zoning ordinance.

“There’s a restriction in there now for parking for new commercial buildings for retail space. We’re looking at modifying the parking requirement to make it less restrictive,” said Jon Bittner, the council president.

Council also decided to save time and legal expenses related to working out a deal with the California Area School Board for the forgiveness of delinquent taxes on a dilapidated building. The borough has been offered the building if all of the back taxes are taken care of. The school board had suggested that it would forgive the taxes if there was an agreement that it would be given the funds in the future if the property is sold and developed.

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