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.

Sell Structured Settlement | The Bigger The Effective Discount Rate, The More Sellers Get Screwed

by Structured Settlement Watchdog®

The bigger the discount the higher your return states Income Stream Exchange in soliciting investors to its "platform of liquidity for buyers and sellers" of structured settlements.  What this means for sellers of structured settlements is that the bigger the discount the more sellers get screwed.  Think about it!  You never win when you sell structured settlement payments, you lose money 100% of the time.

 

Selling your structured settlement

(UPDATE) In 2017 Todd Dyer  (a/k/a Allen Dyer, T. Allen Dyer), the felon who conceived the Income Stream Exchange and former Ponzi Schemer, was convicted again and sentenced to another long jail sentence for more crimes.

Rapper and periodic payment poet,  Master Funky Chicken, has touched on Structured Settlement Exchanges in one of his latest raps on the cash now sucks blog.

Settlement exchange its very strange

To deal with no regulation

You got to be deranged

You want to keep yo home on the range

You don’t want to be shortchanged

 

 

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