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.

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The STRUCTURED SETTLEMENTS 4REAL® Blog is a highly regarded source for structured settlement news, information, and commentary, led by structured settlement and settlement planning subect mater expert John Darer CLU ChFC MSSC CeFT RSP CLTC. With two decades of operation, the blog and 4structures.com are recognized as comprehensive resources, offering detailed guides and specialized insights. Established in 2005, the blog caters to a broad audience, including legal professionals, injured individuals, families, and various stakeholders, providing reviews and opinions on settlement planning. John Darer, President of 4structures.com LLC, is a seasoned structured settlement expert with over 40 years of financial services experience and 31 years specializing in structured settlements. Based in Stamford, CT, he is a Certified Financial Transitionist and Registered Settlement Planner, holding insurance licenses in 45 states and the District of Columbia. John Darer is dedicated to transparency and advocacy, he emphasizes the importance of engaging trained and licensed professionals for settlement planning, offering valuable insights through his investigative journalism and professional commentary.

Rescue Capital Does “The Pee Wee Herman”

 by John Darer®

Pee wee hermanRescue Capital, the Philadelphia based specialty finance firm, is bringing back an old Pee Wee Herman (left) and Groucho Marx favorite, "The Word of the Day"   
On August 3, 2010 the Rescue Capital " Word of The Day" was  "Cost of Living Adjustment (COLA)".
 
In that regard, here is Rescue Capital's "contribution" to financial illiteracy:
 
"COLA is a featured added to an annuity contract that allows the annuitant to receive more money each year in order to counteract the effects of inflation. Tied to the consumer price index, the yearly increase in annuity payments is usually a specific percentage. For example, if the annuitant receives $10,000 last year from his annuity and COLAs for this year were 6.1%, then his benefits for this year would be $10,610".
 
There is no structured settlement offered today that has an annual adjustment that is contractually "tied to the consumer price index".
  
This author, John Darer, covered the "Un-COLA" in the following blog post June 3, 2010:
Structured Settlement "COLA": Don't Drink The "COLA-Aid"
 
May as well ring up the score.
 
  • Add Rescue Capital to the misinformed, who promote the oxymoron that you can be "awarded a settlement".
 
  • The company all lists this "con" to selling your annuity payments:
    • "By receiving your future payments today, they may lose value slightly, this is known as discounting". Your definition of "slightly" may determine whether that is a massive understatement at best.
 
 

Party on bro! Animated Gifs

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