There could be several reasons why you want lump sum cash for your structured settlements. You may want cash for paying off your medical bills, or you want to pay your college fees, you want to pay-off your debt or you may want to meet some urgent expenses, whatever the reasons it is a fact that most of the people prefer to get one time lump sum cash compare to small monthly or yearly payments.

But the problem is all the companies who p (more…)

Corporations, governments, and municipalities borrow money by issuing bonds for sale to the general public. Companies sometimes need additional monies to expand their business, while governments need money for infrastructure. And just like any other loan, the bondholders are paid an interest rate on their money. And, generally speaking, at the end of a certain term, the borrower has to pay back the face amount of that loan. For our purposes h (more…)

The federal government seems to have incredible control over the financial policy in the United States, but in fact, the role of the federal government is less controlling and more of a guiding or shaping process. Some examples of this are seen in the federal funds rate and mortgage rates, both key indicators of the economy. Neither of these rates is set by the federal government.

What is the Federal Funds Rate?
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When you borrow money, one of the most important things to consider is the interest rate you will be paying. This is the money you pay to the bank in return for them lending you money. It is like a fee. You never see it again.

But it is much more. It is determined by three major factors.

1. The Federal Reserve Discount Interest Rate.

The first factor, the Federal Reserve Discount Interest Rate (more…)