Structured Settlements 4Real®Blog 2026

Structured settlements expert John Darer reviews the latest structured settlements and settlement planning information and news, and provides expert opinion and highly regarded commentary. that is spicy, Informative, irreverent and effective for over 20 years.

by Structured Settlement Watchdog®

Colorado Springs attorney Jim Flynn’s “Structured Settlement Not always Best Option” is a “Rocky Mountain Oyster”. Flynn, who runs a column in The Gazette called Money and The Law lists fly fishing as a hobby but had to know his present value “fish” doesn’t fly.

First he suggests that an insurance company “will offer you a choice of $500,000 immediately or $6,000 a month for 100 months. Your initial thought might be: “Well, let’s see. $600,000 is more than $500,000. So that must be the better deal.” He goes on to say…
“In the example given above, let’s assume a reasonable interest rate for a conservative investment lasting 100 months is 5 percent. Using that interest rate, the “present value” of $6,000 a month paid every month for 100 months is $489,871 — meaning the offer of an immediate $500,000 is, at least at first glance, the better offer.  There are lots of other considerations that go into a “which is better” analysis, but purely from a time-value-of-money point of view, a larger amount paid over time may not be the best choice”.
Comments:

4. Let’s fly cast a few more if say we were to use Flynn’s “thumb in the wind” discount rate as “bait”…here’s what we “catch”

15% bracket PV

$507,831.54

28% bracket PV

$520,387.44

Flynn’s writing style in this article is more typical of a pay per post writer rather than a money or legal  expert. He should have researched his subject better, articulated it like the lawyer he is and been more comprehensive instead of cramming so much disparate crap in his work like a bear getting ready to hibernate.

I’m done.

Dog_shaking_dog_lg_wht
But Peter Arnold, Number 2, (you can call him #2) for the NSSTA has come out swinging with the oddly titled “Rocky Mountain High” but well written watchdog piece that might be more aptly titled “”Huckleberry Flynn by Tom Lawyer”. The structured settlement watchdog is proud of Peter Arnold for joining the “Charge of the Right Brigade”. Peter, this song’s for you…

 

 

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