Calculating the present value of your future payments is complicated math. You need to consider time, use a rate set by the IRS, and then factor in other costs before you can calculate the value of your payments today. In many cases it is better not to sell the entire amount you expect from structured settlement personal injury payments, annuity payments, or lottery payments, if you can help it. You never know what the future holds. Receiving a percentage of your original payments in the future could be important down the road.
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