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.
recent posts
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- SettlementDecisions Episode 5: What SettlementDecisions Really Is — A Lead Funnel, Not an Information Source
- Structured Settlement Annuity Guarantees Help Financial Peace of Mind
- How Sheron Jones Was Exploited — And Why D.C.’s Failure to Mandate IPA in SSPA Enabled It
- Attorney Fee Structured Settlement Factoring
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Category: Effective Discount Rate
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The Applicable Federal Rate is a useless piece of information to give to a seller, or potential seller of structured settlement payment rights, because it artificially inflates the present value and makes the seller think that they are receiving a better deal than they are.
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A Shawnee OK woman was shafted when a buyer of structured settlement payments took more out of the deal than she did. That a buyer can use opaque pricing while not giving seller (and judges who must determine if the transaction is in seller’s best interest), tools to make comparisons is loony.
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Shop around. Those who fail to shop are likely to get ALOT less than they should. They may also need to sell considerably more structured settlement payment rights than they should, to raise the cash that they need.
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Compare the effective discount rate to what it would cost you to borrow using your credit cards, a home equity loan or other sources.consider if projections are realistic. They’re likely NOT guaranteed AND you must first make up the amount you are losing by “paying” the effective discount rate.
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Certain companies in the structured settlement secondary market are losing their minds when life insurance companies like Berkshire Hathaway make a serious effort to protect their structured settlement annuitants from the vultures.