<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	>

<channel>
	<title>Welcome to Sun Valley Life Articles</title>
	<atom:link href="http://sunvalleylife.com/feed/" rel="self" type="application/rss+xml" />
	<link>http://sunvalleylife.com</link>
	<description>Seduced by the Light Side</description>
	<lastBuildDate>Fri, 20 Apr 2012 20:57:25 +0000</lastBuildDate>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.org/?v=3.3.2</generator>
<xhtml:meta xmlns:xhtml="http://www.w3.org/1999/xhtml" name="robots" content="noindex" />
		<item>
		<title>Great Tricks To Make You A Better Golfer</title>
		<link>http://sunvalleylife.com/04/great-tricks-to-make-you-a-better-golfer/</link>
		<comments>http://sunvalleylife.com/04/great-tricks-to-make-you-a-better-golfer/#comments</comments>
		<pubDate>Fri, 20 Apr 2012 20:57:25 +0000</pubDate>
		<dc:creator>svladmin</dc:creator>
				<category><![CDATA[Health - Fitness]]></category>

		<guid isPermaLink="false">http://sunvalleylife.com/04/great-tricks-to-make-you-a-better-golfer/</guid>
		<description><![CDATA[So you want to try your hand at golf? Do you know anything about this sport? Do you know about all of the different kinds of clubs that you can use? Do you know what entails a great golf swing? If these questions raise more questions than you can answer, try looking at the tips below. Taking lessons at a high end golf store or with a pro can really help you. This is especially true if you are able to study your swing data on a computer printout. The feedback you get from this valuable tool can tell you exactly what mistakes you are making. This is a very cost effective way to pinpoint and resolve any difficulties you are having. Thailand is a great place to play golf. To avoid a slice, try to swing at the ball from the inside-out. This will keep the ball from moving outside and away in a drifting arc, outside the path of most fairways. Slices also take away from your drive distance and accuracy, and should be avoided. One tactic for avoiding the slice is to keep your left arm straight until impact. Planning your swing beforehand is crucial to a long, straight drive. One of the most important aspects of a good swing is hitting the ball with the full, square surface of your driver&#8217;s head. To do this, imagine that you are swinging at a ball behind the real ball. This helps you connect squarely. If you are seeking a new golf challenge instead of spending another weekend at the same local course, try setting out for a new place to play. Take a few consecutive weekends to try out several new courses and see if you find one that fits you and your game, and add a new &#8216;regular&#8217; course to your repertoire. You must have complete control over your club and club head. This requires a firm yet docile grip. If you do not have complete control over the club, you will either miss the ball or hit it off to the right or left. Keep the club straight and have complete control over it. Do you now understand what makes golf? Do you know about clubs and how to use them? Do you now know what it takes to make a great golf swing? If you have an idea of how to answer these questions now, then you have read and understood what it takes to become a better golfer.]]></description>
		<wfw:commentRss>http://sunvalleylife.com/04/great-tricks-to-make-you-a-better-golfer/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Follow These Tips When Making Auto Insurance Decisions</title>
		<link>http://sunvalleylife.com/04/follow-these-tips-when-making-auto-insurance-decisions/</link>
		<comments>http://sunvalleylife.com/04/follow-these-tips-when-making-auto-insurance-decisions/#comments</comments>
		<pubDate>Fri, 20 Apr 2012 20:34:26 +0000</pubDate>
		<dc:creator>svladmin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://sunvalleylife.com/04/follow-these-tips-when-making-auto-insurance-decisions/</guid>
		<description><![CDATA[You may be looking everywhere for the best auto insurance information available. Look no further. There are so many ideas, it is hard to tell what is the right information. Being educated will go far in helping you on your way. Below you will find the very best car insurance tips. Take a close look at your auto policy and take off any &#8220;extras&#8221; that you won&#8217;t use. For example, you might have emergency roadside assistance included in your plan. If you don&#8217;t think you are going to use this, drop it in order to decrease the amount you are spending on your insurance. Your agent can help you figure out what else might apply. Avoid auto insurance extremes. You can definitely be hurt by a lack of adequate insurance. Even more costly is being over-insured. Many people pay for coverage they can not ever possibly need. The result can be a huge drain on your budget. Evaluate your car insurance coverage and rates annually. Before you even buy a vehicle you should get a few insurance quotes so that you know what to expect. It makes no sense to go and get a vehicle and then after you purchase it you have to worry about whether you can afford the monthly insurance payments. To get the best rate on your auto insurance, it is important to shop around, even if you are happy with your current insurance provider. If other companies are offering significantly lower rates for the same insurance coverage, then take that information back to your own provider and use it to negotiate a better rate. Florists are good places to drive your cars to. Learn about any bundling discounts that your provider may offer. If you take a few minutes to call your agent to learn about this money saving offer, you may be surprised at the amount of money you could save. If your company does not offer a discount, check the internet to find one that does. Check crash test ratings for any new car you plan on buying. This will have a substantial impact on your insurance rates. The Insurance Institute for Highway Safety issues a list each year with about 60 of its top picks for the safest cars in each class. These cars will cost you much less in auto insurance. Now you can revel in your new-found knowledge concerning your current auto insurance decisions. There is no reason to feel at all intimidated. You conquered the first obstacle, which is generally educating yourself. Keep all of these tips in mind, and you will have an easy path to auto insurance understanding.]]></description>
		<wfw:commentRss>http://sunvalleylife.com/04/follow-these-tips-when-making-auto-insurance-decisions/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Hard Time Designing A Home Page? Try These Ideas!</title>
		<link>http://sunvalleylife.com/04/hard-time-designing-a-home-page-try-these-ideas/</link>
		<comments>http://sunvalleylife.com/04/hard-time-designing-a-home-page-try-these-ideas/#comments</comments>
		<pubDate>Thu, 19 Apr 2012 20:54:53 +0000</pubDate>
		<dc:creator>svladmin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://sunvalleylife.com/04/hard-time-designing-a-home-page-try-these-ideas/</guid>
		<description><![CDATA[There are a lot of people that are becoming more and more interested in web design. With that being said, there are a lot more people who are going to be your competition when you&#8217;re trying to make a profit with web design. So go through this article and learn what you can to stay ahead of your competitors. When designing your website, you should avoid using too many different types of fonts. You must also consider how different fonts appear on the standard computer screen; smaller serif fonts (Times New Roman, for example) are somewhat hard to read. Most sites use Vedrana, which is easily read in different colors and sizes. But you can also see US History CLEP Practice Tests. Avoid using frames. Most sites have abandoned frames on their own as better alternatives have become available, but there are still sites out there that are trapped in 1996. Alternatives to navigational frames include fixed-position navigation panels, having navigation in multiple areas (e.g. left and bottom) or simplifying page structure so that navigational links are never far away. Make sure your site includes a search box. This is really important, because people are accustomed to having that function, and when they want to find something on your site, they need to be able to find it. If they can&#8217;t find what they need, they may leave your site altogether. Optimize load times on your website. If visitors must wait a long time for something to load, they will want to leave the site. Try reducing your number of graphics, Flash, and script on your pages, optimizing your HTML, using SSI files, using client and server caching, creating expire headings, and minimizing your JS and CSS coding. Write content for your page with literacy levels in mind. Not everyone viewing your page will have graduated Harvard with a medical degree and some may have not even learned to read longer than a year or two ago. If you wish to expand your audience, you must first produce content that they can comprehend. Include a link to the homepage on every page of your site. One of the best ways to do this is to make a graphic title for your page that can be included on all pages. Web users are used to clicking on a graphic to return home so there won&#8217;t be a learning curve to navigating your site. You want to learn as much as you can about web design so you can be as competitive as possible and be better than everyone else. Use what you gained from this article, but be sure to always learn as much as you can about web design to reach the level of success you seek.]]></description>
		<wfw:commentRss>http://sunvalleylife.com/04/hard-time-designing-a-home-page-try-these-ideas/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Feeling Overwhelmed?  Advice That Will Simplify Selling Your Property</title>
		<link>http://sunvalleylife.com/04/feeling-overwhelmed-advice-that-will-simplify-selling-your-property/</link>
		<comments>http://sunvalleylife.com/04/feeling-overwhelmed-advice-that-will-simplify-selling-your-property/#comments</comments>
		<pubDate>Wed, 18 Apr 2012 18:56:28 +0000</pubDate>
		<dc:creator>svladmin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://sunvalleylife.com/04/feeling-overwhelmed-advice-that-will-simplify-selling-your-property/</guid>
		<description><![CDATA[Looking at everything that goes into selling a home in this day and age, it can seem rather daunting to put your property out there and expect a return. However, there are many things you can do to improve your standing. Check out this article and follow these simple tips if you want to sell your home for a great price. It seems like a no brainer, but take the time to clean your house from top to bottom before starting to show it. Your house should be a show piece before buyers get there eyes on it. Bleach your grout, re-caulk your tubs and wax the floors. Simple steps like these will make your house much more appealing to a buyer. One tip to keep in mind when it comes to real estate is that when you are selling your house, you need to SELL your house. This is important because you can not rely on the house to sell itself just based on looks. You need to be an active participant in selling your house by pointing out all of the good features and benefits that apply directly to the buyer. Update those avocado colored appliances. If you spend a bit of money to update your appliances in your kitchen before listing your home, you will find that it will interest far more buyers than the old ones would. New appliances are a great selling point in a home and will make it an easier sale. Minecraft mods are the way to sell your home. No doubt about that! If you are trying to sell real estate, it is absolutely vital that you stay active in the online world. There are blogs, wiki articles, forums and newsletters all over the internet that you can participate in to get your real estate out there on the world wide web. When planning a renovation in order to sell your home, it&#8217;s important not to over-do the property. If you renovate a home to the point where it is worth significantly more than other properties in the neighborhood, you are unlikely to see a return on your investment. If the renovation won&#8217;t increase the selling price of the home, skip it. Selling for top dollar is what you should expect if you&#8217;re a seller in the market. If you&#8217;re able to correctly follow the tips laid out here, you should have no problem receiving the full value of your property. As a bonus, you should be able to sell your home rather quickly.]]></description>
		<wfw:commentRss>http://sunvalleylife.com/04/feeling-overwhelmed-advice-that-will-simplify-selling-your-property/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Handy Tips To Help Make Every Meal A Success!</title>
		<link>http://sunvalleylife.com/04/handy-tips-to-help-make-every-meal-a-success/</link>
		<comments>http://sunvalleylife.com/04/handy-tips-to-help-make-every-meal-a-success/#comments</comments>
		<pubDate>Wed, 18 Apr 2012 18:37:59 +0000</pubDate>
		<dc:creator>svladmin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://sunvalleylife.com/04/handy-tips-to-help-make-every-meal-a-success/</guid>
		<description><![CDATA[With so many different resources available for cooking, it can seem like there is an information overload &#8212; leaving you feel extremely overwhelmed. However, just by using these simple tricks you can quickly and easily learn ways to prepare and serve high quality food that the whole family will enjoy! Keep your kitchen knives very sharp for both safety and efficiency. A sharp knife is less likely to slip and cut you, and it&#8217;s easier to breeze through prep work without dull blades slowing you down. If you aren&#8217;t comfortable sharpening your knives, yourself, ask your favorite butcher. They may do it for free or for a small fee. Don&#8217;t skimp and use cheap olive oil. More expensive olive oil is not only fresher, it often has a richer flavor. High-quality olive oil can draw the flavor out of all your favorite dishes, including pizza, pasta and many types of fish and meat. Even a small drizzle of more expensive olive oil can make the difference that takes your meals from drab to fab! Buy fruit when it is at its peak at your local farmer&#8217;s market. Use airtight containers, and then freeze it so you can use it to cook or bake with all year long. Not only will this save you from having to buy pre-packaged frozen fruit at the supermarket, but also you will have the items on hand when they are not in season. Use a paper towel to blot dry, any meat that you are browning before you put it in the hot oil. This prevents the release of moisture when your meat hits the hot oil. When you are browning meat, you want it to sear, not steam. Moisture-rich meats will steam and the brown crust that you seek from browning, will prove elusive. Surprisingly physics tuition is a really great way to learn. If you are planning on buying fish from a supermarket or fish store, make sure that you ask the person behind the counter if you can smell the fish. The fish should be very firm and should not have any pungent odors to them. Otherwise, do not purchase it, as they are probably not fresh. To make smooth and creamy mashed potatoes, place hot potatoes in a food ricer. After pushing them through, blend them with butter and hot milk. Finish up with an electric beater. This will keep your potatoes free of lumps, and will leave them tasting light and delicious. For extra creamy potatoes, add more butter. While most seasonings are added at some point during the cooking process, there are certain spices that are considered good after cooking options. These spices are garlic powder, black pepper, cayenne pepper and salt. Set these on the table, and let your guests decide on their personal preference to add a little kick to their plate. Now that you have read about these great cooking tricks, you can begin to enjoy cooking and spend less time worrying. These tips will not [...]]]></description>
		<wfw:commentRss>http://sunvalleylife.com/04/handy-tips-to-help-make-every-meal-a-success/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Find Out How To Improve Your Golf Game</title>
		<link>http://sunvalleylife.com/04/find-out-how-to-improve-your-golf-game/</link>
		<comments>http://sunvalleylife.com/04/find-out-how-to-improve-your-golf-game/#comments</comments>
		<pubDate>Wed, 18 Apr 2012 18:09:50 +0000</pubDate>
		<dc:creator>svladmin</dc:creator>
				<category><![CDATA[Alternative Treatments]]></category>

		<guid isPermaLink="false">http://sunvalleylife.com/04/find-out-how-to-improve-your-golf-game/</guid>
		<description><![CDATA[Whether you&#8217;re new to golf or play regularly, there are always reasons to improve your game. Building your skills can help you during a friendly competition or can make playing a game of golf more relaxing and fun. This article offers a selection of tips that are sure to come in handy on the golf course. A helpful tip when it comes to golf, is to make sure that you never step on the hole itself. This is important because you can ruin the lip of the hole and cause improper conditions for those who are attempting to put after you. Always take care to not damage the area around the hole at all. A helpful tip when it comes to golf is to slow down your back swing and shorten its length if you are having problems with accuracy. Your back swing is only in existence to put your swing in the right position. Be sure to not let it mess up your entire stroke. During your back swing, try imagining your right hand in a hitchhiker position. To check this, look at your right hand when the club is at waist height- you should see your thumb pointing upward. Another tip is to imagine your hand in a handshake position, with the palm perpendicular to the ground. Keep track of your stats with android apps. Spend some solid time out on the range in order to really solidify the correct distances for your irons. It&#8217;s vital out on the course that you know what to expect when you choose any given club. Take time to know your ranges inside and out and face that next approach shot with confidence. As this article demonstrates, there are a number of things you can do to become better at golf. Odds are you&#8217;ll never play professionally, but that doesn&#8217;t mean you can&#8217;t give everyone at the golf course a run for their money. Keep this advice in mind and you&#8217;re sure to have your best game yet.]]></description>
		<wfw:commentRss>http://sunvalleylife.com/04/find-out-how-to-improve-your-golf-game/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Simple Steps To Help You Get A Bright Smile</title>
		<link>http://sunvalleylife.com/04/simple-steps-to-help-you-get-a-bright-smile/</link>
		<comments>http://sunvalleylife.com/04/simple-steps-to-help-you-get-a-bright-smile/#comments</comments>
		<pubDate>Fri, 13 Apr 2012 22:38:13 +0000</pubDate>
		<dc:creator>svladmin</dc:creator>
				<category><![CDATA[Dental Health]]></category>
		<category><![CDATA[Sonicare toothbrush Coupon]]></category>

		<guid isPermaLink="false">http://sunvalleylife.com/04/simple-steps-to-help-you-get-a-bright-smile/</guid>
		<description><![CDATA[Although you might be afraid to whiten your teeth because you think it&#8217;s either artificial or painful, you&#8217;ll be surprised how natural it feels. And you&#8217;ll definitely appreciate the boost of self-confidence that you&#8217;ll receive simply by having a gorgeous smile. This article can help you whiten your teeth through several easy tips. Try not to drink water that contains fluoride or using any toothpaste that contains it. Contrary to the popular belief that it is good for your teeth it has been shown to have a staining effect! Other countries have all together banned the use of it in their water because of dangers. Believe it or not, you can use sage to get your teeth whiter. Not only is this safe because you are using a natural product, but it has been proven to be very effective. All you have to do is buy sage leaves and rub them in a circular motion onto your teeth. If you are trying to get your teeth whiter by using a peroxide product, then you need to be careful. These products can make your teeth overly sensitive, which can make your life very uncomfortable. If you are on a whitening regiment and begin to experience pain, you should stop and consult a doctor immediately. Lemon juice is very effective in cleaning your teeth, but its effect on tooth enamel is short of disastrous. Therefore, this method should not be used when cleaning your teeth effectively at home. Once your enamel is gone, it cannot be replaced and so the age-old lemon juice option is not really a good choice. You can whiten your teeth at home with some common items. Mix peroxide and baking soda into a paste. Brush your teeth with this paste for several minutes. You can repeat this often as it is safe and non-toxic. Using at home products is cheaper and safer than products with unknown ingredients. A lemon juice and salt mixture can be used to whiten your teeth at home. Many people swear by this home remedy for stained teeth. The salt scrubs plaque from your teeth, while the acidic properties of lemon juice have a bleaching action. You can make a paste and use this as you would your regular toothpaste. But nothing is better than a Sonicare toothbrush Coupon to get the best toothbrush on the market! One important teeth whitening tip is to try to always brush and floss your teeth even when not at home. This is important to prevent the build up of plaque. Bring a toothbrush and floss with you at work and also when you go out to eat. At the very least, try to wash your mouth out after a meal. As unorthodox as this may sound, using the bark of a walnut tree to remove stains and discoloration from your teeth has been known to be an effective strategy. This removes the yellowish layer from your teeth. All you do is use the bark of the [...]]]></description>
		<wfw:commentRss>http://sunvalleylife.com/04/simple-steps-to-help-you-get-a-bright-smile/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can You Invest With Just $100?</title>
		<link>http://sunvalleylife.com/04/can-you-invest-with-just-100/</link>
		<comments>http://sunvalleylife.com/04/can-you-invest-with-just-100/#comments</comments>
		<pubDate>Wed, 04 Apr 2012 09:41:23 +0000</pubDate>
		<dc:creator>Sarah Thomson</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Autosurf]]></category>
		<category><![CDATA[high yield investments]]></category>
		<category><![CDATA[hyip]]></category>

		<guid isPermaLink="false">http://webtophits.com/sunvalleylife/04/can-you-invest-with-just-100/</guid>
		<description><![CDATA[Many private investors do not have a large amount of capital at their disposal to invest in stocks. Some take the route of Penny Stocks to generate high returns but some people find these too risky. Indeed, Penny Stocks ARE risky – if you do not know how to carry out research. There are many other ways to invest. I’m going to tell you about one investment opportunity that gives high returns with little research. Anyone can do it. I am talking about Offshore Investments, also known as High Yield Investment Programs (HYIP). Firstly, there are two types of High Yield Investment Programs. These are “Autosurfs” and Private HYIPs. Both are accessible to the general public and give high returns – usually with a minimum deposit as low as $5. The returns that I’m talking about are in the region of 30% every month, for no work at all. The only difference is the risk factors involved. An Autosurf is a program that pays you for surfing the internet. The return you will receive depends on the amount you invest. Generally, Autosurfs are regarded as a higher risk than HYIPs. This is because Autosurfs, generally, do not have a viable means of alternative income. Private HYIPs are a far safer option for small investors. Not many people know about them and they tend to last longer than Autosurfs. Many of them have exceeded 3 years, thereby giving you more than 10 times your intial investment. Their income usually comes from using investor’s cash to trade stock markets. Finding private HYIPs is not as hard as it used to be. A simple search will reveal some good investments. Reading people’s comments and opinions on them will help you form your own opinion and tell you if you should invest or not. Choose wisely. For small investors, private HYIPs are like a dream come true. We can now create passive income with as little as $100.]]></description>
		<wfw:commentRss>http://sunvalleylife.com/04/can-you-invest-with-just-100/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can You Protect Your Portfolio from the Sales Teams?</title>
		<link>http://sunvalleylife.com/03/can-you-protect-your-portfolio-from-the-sales-teams/</link>
		<comments>http://sunvalleylife.com/03/can-you-protect-your-portfolio-from-the-sales-teams/#comments</comments>
		<pubDate>Thu, 22 Mar 2012 09:46:48 +0000</pubDate>
		<dc:creator>Sarah Thomson</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[wealth building]]></category>

		<guid isPermaLink="false">http://webtophits.com/sunvalleylife/04/can-you-protect-your-portfolio-from-the-sales-teams/</guid>
		<description><![CDATA[When you make an investment – from a simple bank certificate of deposit to a large shopping mall – you are going to be buying from someone whose greatest skill is employing sales closing techniques. Their skill in closing a sale will not include safeguarding your money or earning you any profit. And their number one priority is to make their sales quota to keep their job. It is only your personal education, experience and due diligence that can protect your money from the numerous people on the other side of the table. It is a dilemma that in order to invest, you’ll be face to face with professionals who do not have your financial interest at stake – but they will all appear to be. Sales people will appear to be on your side right up until the moment you write a check or sign a commitment. Then any problems are yours alone, their verbal promises go up in smoke, they stop returning your phone calls and the fine print suddenly negates the possibility of getting a single dime back from your investment. In my experience, a salesperson’s top priority is never your best financial interest, and you need to realize this no matter how friendly they are or how polished their sales pitch appears. As you walk into a bank or brokerage office, or call a broker, you need to keep in mind that their personal goal is not in alignment with yours. To see past their sales routine, you need specific education, experience with the industry, and, hopefully, a knowledgeable mentor. For example, I once received a solicitation from a loan broker who wanted to get me into a triple-net lease commercial building with a million-dollar loan. After a few questions it was clear that he was acquainted with lending, but not very experienced. But continued questioning revealed that his knowledge of commercial real estate would barely fill a thimble. And he was the principal agent trying to slam me into a million-dollar loan so he could collect a commission check and move on to the next deal. Although he sounded quite confident on the phone, his responses destroyed my trust in his ability to maneuver through the numerous issues and problems in my best interest. By studying an industry and talking to experienced players, you’ll be better able to ask questions with impact. And in this case, it was the difference between me keeping my money or locking myself into a contract guaranteed to be a huge financial disaster. To inoculate yourself against sales pitches, you need to do a lot of comparison shopping or at least become a semi-professional in the industry you want to invest in. Develop a healthy amount of suspicion and skepticism of any sales claim, and hire experienced professionals to assist you on your side of the table. These would be attorneys, accountants, financial and operational experts that are being paid directly from you to assess every aspect of a complex [...]]]></description>
		<wfw:commentRss>http://sunvalleylife.com/03/can-you-protect-your-portfolio-from-the-sales-teams/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Cash for Structured Settlements</title>
		<link>http://sunvalleylife.com/03/cash-for-structured-settlements/</link>
		<comments>http://sunvalleylife.com/03/cash-for-structured-settlements/#comments</comments>
		<pubDate>Sat, 10 Mar 2012 10:03:03 +0000</pubDate>
		<dc:creator>Sarah Thomson</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[lottery payments]]></category>
		<category><![CDATA[structured settlement]]></category>

		<guid isPermaLink="false">http://webtophits.com/sunvalleylife/04/cash-for-structured-settlements/</guid>
		<description><![CDATA[How Much Can You Get by Selling Structured Settlements? Structured settlements represent a stream of payments, often extending twenty years into the future. If you sell this stream, you cannot expect the buyer to pay you the total of these future payments. In fact, you will get much less, depending on the amounts and years involved. Let us look at how the buyer computes the amount to pay you. Money Has A Time Value If you have 10000 dollars in hand now, you could invest it in different ways. If you are a small businessperson, you could use it to improve your publicity efforts and expand your production capacity. These might result in the 10000 dollars doubling in a year&#8217;s time. Or, if you are a stock investor, you could trade in stocks and probably make the 10000 dollars grow into at least 12000 dollars by the end of the year. More modestly, you could invest in an interest-paying security and earn a 5% interest paid every quarter. That could make the 10000 dollars into 10510 by end of the year. Another possibility is to invest the money in a training program that provides you with a vocational skill in high demand. You could thus enhance your earning potential and thus earn a return on that investment. What all the above examples indicate is that money in hand now could earn returns and accumulate into a larger sum by a future date. This is called time value of money. Future Payments Are Discounted Considering the time value of money, sums received on future dates are discounted to compute their &#8220;present value&#8221;, i.e., value now. This is typically done using prevailing interest rate in the market. For example, we found that 10000 dollars invested at 5% interest, paid quarterly, become 10510 dollars at the end of one year. Hence, the present value of 10510 dollars received one year from now is only 10000 dollars. Present value is always based on a rate of interest, and the &#8220;interest compounding&#8221; method used. Interest compounding means the frequency with which interest is computed and added to the principal. In our example above, the compounding was done every quarter. Next quarter&#8217;s interest would be computed on this interest-added principal amount. The future payments you receive under a structured settlement are discounted in a similar fashion. Each of the payments would be discounted based on when it is received. Consequently, the amount you receive now, based the present values of all the different payments, would be much less than their total. Use the Cash Well It is possible that you are cashing out your structured settlement to meet unavoidable necessities, like paying off a debt or meeting medical expenses. In such a case, you have no option but to use the cash to meet these. However, if the cash out is for other purposes, try to invest it in a way that earns you a good return. For example, you could invest it in a home, [...]]]></description>
		<wfw:commentRss>http://sunvalleylife.com/03/cash-for-structured-settlements/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
</rss>

