Author Archives: Arthur Choate

Using a Structured Settlement Calculator

Structured Settlement Calculator

Using a Structured Settlement Calculator

Structured Settlement Calculator is a tool that helps us in our endeavor to maximize the amount of money that we will receive in case we decide to sell or transfer our settlement. It is a common practice nowadays for individuals to use the Structured Settlement Calculator in planning their next steps. It will give you an idea on how much you can expect to receive if you sell your settlement. However, it will not provide you with an idea on the actual amount that you can get. Hence, before you actually go ahead and enter your data into the calculator, you must make sure that you are entering the right data into it.

All you have to do is to provide some personal information into the Structured Settlement Calculator. You will also be asked to enter a few details about the settlement itself like the name of the beneficiary, the age of the beneficiary, the payee and the date of the injury. Once you have done so, you will get some information back from the tool. The results of your submission will be shown as to what you are likely to receive as a lump sum. This may vary from company to company and what may be listed under the option you selected may not be the same in all companies.

In order to determine the actual amount that you can get, you must add up the total amount of your settlement along with the total expected payout that your insurance company will pay you every month. Once you have made this crucial step, you will finally have a clear picture of what you will receive. The calculators only help in giving you an estimate on what you will receive but cannot actually provide you with an assurance of what the amount will be once you enter the information. Hence, it is necessary that you verify the accuracy of the information provided by the Structured Settlement Calculator.

Now that you know the possible settlement that you can expect after a court hearing, it is important that you know the potential drawbacks of a structured settlement. One of the primary disadvantages of a structured settlement is that people who choose this option are generally older and / or sicker. They are unable to continue making payments independently and thus need the assistance of someone who can make the payments for them. These individuals are often in a position where they simply cannot pay the agreed amount. This is usually when a lawyer specializing in structured settlements enters the picture.

However, people also have the right to sell a part or all of their settlement for a lump sum amount which will be the basis of their final settlement. Some people do this in order to free up funds that they would otherwise use for certain types of immediate needs such as housing repairs. Another reason why people sell some or all of their settlement to firms offering to purchase structured settlements is to avoid paying taxes on the amount they receive through sale. Though the Internal Revenue Service has stated that the sale of structured settlements is a tax-free alternative to outright bankruptcy, some people prefer to keep their structured settlement as is. In order to determine if this is wise, one must consult with a tax expert. It is important to note that selling or transferring a structured settlement does not relieve one of liability for tax obligations.

When using a structured settlement calculator, it is important to keep in mind the accuracy of the information provided therein. There are many factors that can affect the accuracy of the results obtained such as; how much was paid in total; how many payments were made; and what payment date was attained. Also, since the computation of the value of a structured settlement is complicated, it is not advisable to rely solely on the results of a structured settlement calculator. It is important to consult a lawyer specializing in tax law and structured settlement issues before making a final decision regarding the future of a structured settlement.

Paying Off Debts With Lump Sums Versus Payments

Lump Sum versus Payments

Paying Off Debts With Lump Sums Versus Payments

When it comes to investments and financial planning, one of the major decisions that you are going to have to make is whether you should use lump-sum payments or installments. Many people make this decision and wonder why they lost money on the investments that they made. They fail to understand that in order for you to profit from the investments that you make, you are going to have a lot of money invested in order to get started. In order for you to have a nice profit, you’re going to have a minimum investment of course. You’re also going to have someone who has the capital available to invest with you so that you can maximize your profits.

With most investments, the payment structure is either fixed or variable. If you’re using a lump sum to invest with, you’re going to want to go with the fixed lump sum payment. The reason why you would do this is because you are able to lock in at any given price at which you would like to receive your money. However, if you do want your payments to vary, then you are going to have to go with the variable lump sum payment.

There are many reasons why you would want to go with a lump sum over a fixed rate payment. For instance, if you currently have home equity lines of credit that are at a high interest rate, then you may want to take them over to a fixed rate loan. By doing this, you are not only getting to avoid paying interest over the course of years, but you are also saving a lot of money each month. Remember, the interest is still going to be collecting at the end of the term, even if you are no longer making monthly payments.

Another reason why people prefer to use lump sum versus payments is when they are planning to leave their current employer. When you leave, you are going to have a number of options available to you. One of those options is selling your accrued vacation time. By paying off the vacation time with the lump sum payment, you can choose to either use the lump sum as a down payment on a new home, or to pay off the loan completely.

While you can use the lump sum payment to pay off loans and other debts, remember that you are going to have to pay interest. You should also know that you will have to pay taxes on the amount of money that you have received. If you are unsure about how much you will owe after tax, you are encouraged to consult an accountant. The most common reason that people file for bankruptcy is because they did not properly heed the advice that they were given about income taxes and payments.

Lump Sum vs Payment. In many cases, the former seems to be better than the latter. When it comes to paying off large amounts of debt, a lump sum can help you out. It gives you the ability to pay one small payment and to avoid paying taxes and interest.

Why It Is Easy to Sell Structured Settlement Payments

Sell Structured Settlement payments

Why It Is Easy to Sell Structured Settlement Payments

Structured settlements help many injured individuals and their family’s by giving consistent reliable income upon which to survive after an injury. They shield those individuals who depend on monthly payments to survive from losing access to money that they need just to meet an unexpected expenditure or repay debt. However, at times, the structured settlement is nothing more than a security deposit, keeping rightful owners out of accessing funds that they must pay for unforeseen expenses or meet an unanticipated debt. This causes several problems including identity theft, embezzlement and, in some cases, bankruptcy.

Sell Structured Settlement payments is a way that injured individuals may sell their periodic structured settlements to companies that specialize in purchasing structured settlements. One such company is Diamond negotiates discounted lump sum purchases from holders of structured settlements and annuities and pays them regular cash instead of the structured settlement payments. Once the owner of the settlement or annuity accepts the offer, he or she retains the legal rights to the payout but agrees not to receive the lump sum payment until certain conditions are met. These conditions may include a waiting period as determined by the company.

Diamond negotiates lump sum purchases from holders of annuities and structured settlements, in order to obtain their future payments. In the past, when these types of payments were offered to individuals, the companies that made the offerings usually paid very little in return for future payments because selling these future payments required under the settlement or annuity owner to surrender some or all of their rights to future payments. In addition, in most cases these future payments were obtained with little or no interest. Because of this, many of the recipients did not realize a substantial amount of money would be available to them and may have been hesitant to agree to sell their future payments. It is for these reasons that Diamond negotiates discounted annuity/structured settlement purchases.

Another reason why some people opt to sell their future payments is to create additional liquid capital to fund a new venture. Some retirees move into a higher paying position within their company without receiving any increase in salary, while others retire with less than full retirement pay but the funds are sufficient to launch a new business. In either case, retirees can withdraw some, but not all, of their annuity or structured settlement payments to allow for new investments. A third possibility is to divert payments to a life insurance or investment policy in order to generate tax-free income.

When you decide to sell your structured settlements, it is essential to choose a reputable buyer who will buy at a discount. A good company will negotiate with you on your behalf and provide a realistic lump sum purchase price. A reputable buyer will use a team of financial experts who will evaluate your needs and circumstances to develop an offer that is realistic and acceptable to you. It is also important to understand that in some states, companies that buy structured settlements are considered “callous” by regulators and can be penalized with civil fines as well as legal action. To avoid being shut down, it is best to check with your state authorities about the sale of structured settlements.

Structured settlement buyers are motivated to offer generous deals because they receive a large lump sum of money when the deal is closed. Many buyers purchase structured settlements as a one-time-only investment where the returns are guaranteed. This assures them that the transaction will not default. After all, if they did not receive a high enough lump sum for the amount they are buying, they would not be able to stay in business.

Using A Payment Calculator To Work Out A Budget

A Payment Calculator is a free tool which can calculate your monthly payments and interest on loans. Calculating your budget is an important part of planning for your finances. Budgeting means reducing your non-essential expenses, increasing the amount you earn, sticking to your income and saving enough money for a rainy day.

To use a Payment Calculator, simply enter your details into a short form. The calculator will return information on your monthly payment and total payments for various scenarios. By inputting information into the short form, the calculator can return a range of figures for different scenarios like, a fixed rate loan over an adjustable rate loan, or a variable rate loan over a fixed rate loan etc. This can be useful in calculating your budget. This way you will know how much you can afford to borrow and what kind of payment you can realistically expect to receive.

A calculator used to determine your loan and mortgage repayments can be used to work out your budget. Enter your details in the short form and then press the ‘Show/Recalculate’ button. The calculator will generate an estimate of your monthly payments and interest charges. If you change anything in the calculation, the value you have entered will be recalculated and this may result in an estimate that is very different to your final payment and interest rate. This is because the recalculation process is used to check the value you have entered for accuracy.

Using a calculator used to find out how much you will save over a period of time can be used to help you budget for the cost of borrowing a loan. Enter your loan details and the amount you would like to borrow and then the Loan calculators will return the amount you can expect to pay and the length of time it would take you to pay back the loan. These calculators can be used to find out the amount of interest you will need to pay over the term of the loan. They can also be used to work out how much interest you could save if you chose a loan with a lower interest rate. When you choose a longer term you can reduce the amount of interest you pay but this will reduce the amount of time you will spend paying back the loan and increase your monthly repayments.

Another benefit of using a loan or mortgage calculator is to work out if a sum of money is needed for emergencies such as purchasing something expensive that would not normally be able to be afforded. Enter a set amount into the cash out input box and then the calculator will show you how much emergency funding you will need. As you know, emergency funding refers to funds that will normally be needed within just a few hours of making a purchase. Using the calculator you can work out how much funding you will need in a month and then budget for the extra amount required when emergencies arise.

Some calculators are based on an introductory loan rate. When you use these calculators you can determine the interest charged on the loan by taking the annual percentage rate of the interest and dividing it by the number of years you have chosen. The calculator is then used to find the monthly repayment amount and any relevant fees associated with the loan. These calculators can also be used to work out the amount of your loan balance, interest to be paid over the term of the loan and the total interest charged over the term of the loan.

Annuity Payment Formula


Annuity Payment Formula

Annuity insurance provides a secure source of income for retirement and financial planning. A traditional annuity provides a lump sum payment in fixed monthly payments during retirement; an individual can invest the money for further growth after retirement. The annuitant receives a fixed income stream during retirement and gets the option of increasing his/her payments if they choose so. However, the amount of increase depends on the performance of the stock market. There are two types of annuities available in the market-a term or guaranteed annuity and a variable annuity.

The present value of an annuity depends upon the rates of inflation. The present value of a term annuity refers to the amount that would be received under the terms of the annuity at the time of retiring. The present value of a guaranteed annuity refers to the total value received under the annuity agreement when the annuitant retires. The variable annuities allow the investor to adjust the payments according to the market value of the underlying shares of stock or bond annuity.

Annuity insurance provides long-term and short-term income. Long-term annuities are for earning retirement benefits; they are generally invested in a variety of assets and managed by a professional investment advisor. In short-term annuities, the annuitant receives fixed payments for a specific future time period, while a structured settlement is paid to the beneficiary in a lump sum. In case of a structured settlement, the payments are equal monthly over a definite period of time determined by the settlement agreement. These payments make it easy for recipients of annuities to plan for the future security of their future payments.

Annuity payments are made semi-annually, quarterly, half yearly, annual or monthly. While the initial premiums are tax deductible, the payments themselves are not tax exempt. Thus the account holder should take care to evaluate the present values of his investments to ascertain if the total cost of his investments in an annuity are greater than the anticipated tax-free distributions at retirement. Annuity payments are generally considered safer than saving in a bank as the probability of your account becoming insolvent are almost non-existent.

Annuity payments are normally variable, with a minimum and maximum payment amount set forth in the agreement. If the value of the annuity during the specified period is less than the stated minimum payment, more cash will be received than if the value was more than the minimum payment. Over the years, the annuitant has the option of converting his annuity into an ordinary annuity by paying a one-time fee known as a premium. Premiums are included in the income of the account and may be invested in tax-deferred accounts like a Roth. This conversion process is called estate conversion.

Another way to convert your annuity payment is to use the present value or discounted cash flow method. Here, you would determine the present value using an interest rate that ranges from your present day date to your future date. Using this information, you would determine your minimum and maximum required distributions for the rest of your life. After all, even your annuity payment formula may be changed over time.

Why a Structured Settlement Calculator Can be Helpful

Structured settlement calculators are online tools that help you in making sense of all the terms and conditions of structured settlements offered by different insurance companies. Basically, these calculators tell you what your future payments will be after you enter some terms and conditions of the settlement deal. These online tools work on the assumption that future payments are received by the payee as a lump sum. It further assumes that the settlement payee has an annuity or structured settlement at the time of settlement.

Structured Settlement Calculator

What does this mean? This means that your future annuity or structured settlement payment will not be received in a lump sum amount right at the time of settlement. Instead, it will be disbursed over a period of time till your future payments are received. So in a way, the structured settlement calculator is working on the assumption that your future annuities will not be received in a lump sum. In fact, it is based on the assumption that payments will be made to the payee on a regular basis till the total amount is received. These payments will be made without the need to calculate future payments on a monthly or annual basis.

How does the online structured settlement calculator work? First, the customer enters the value of a lump sum payment required for his annuity or structured settlement. The calculator then asks for information like the start date, amount of payments, mode of payment and other details regarding the case. After entering the required data, the calculator will give you the present values of the given data. There are different types of values used in the calculation of present value.

The most common value used in the calculation of present value is the Present Value of Payments, which is also known as the AVG. This value is the amount that would be paid to the beneficiary (who is usually the person receiving the payments). When calculating for future payments, the Present Value of Payments is also used. The second most common value used in the calculation of future payments is the Accumulated value of payments. This value is also known as the AGP, and is basically the amount of money that accumulates over time. Finally, the Time Value of Money is the amount of time that it will take for any amount of money to be received; this value is generally 10% of the total sum of money going into the settlement.

Using a structured settlement calculator is beneficial because it helps one to get a better understanding of how much money he can expect to receive in the future. It also helps one to decide whether selling structured settlements is the right option for him. However, one must keep in mind that although a structured settlement calculator can be very helpful, it is not meant to replace an attorney. Prior to signing any legal documents or agreeing to any settlement, one should always consult an attorney. It is also important to remember that although these calculators may help one to make an informed decision, they are not meant to replace the services of an attorney.

When using a structured settlement calculator, keep in mind that you are using information provided by real estate companies and banks. These calculators are not intended to provide personalized advice. The results that you get will depend on how much total income you will be getting once you sell your entire structured settlement sale. Some of the factors included in the calculation are interest rate, current tax rate, expected monthly salary, and other factors. It is important to remember that even if you do not need the information for making an informed decision about selling, it is still important to consult an attorney or a financial adviser before deciding on the sale of one’s entire structured settlement sale.

A Legal Way to Avoid Paying Credit Card Debt – How to Make a Legitimate Debt Settlement

Lump Sum versus Payments

A Legal Way to Avoid Paying Credit Card Debt – How to Make a Legitimate Debt Settlement

Debt settlement vs. lump sum settlements are one of the major debt relief discussions currently prevailing in the world. This issue has been affecting the lives and monthly budgets of thousands of people all over the world. A large number of people have lost their jobs and are unable to meet their monthly needs. They have accumulated large amounts of debts that they want to be paid but cannot settle because they are not capable of paying the entire amount.

The dilemma of paying a part of the debt and not the whole sum has been hanging over their heads for quite sometime. The best solution to this problem is a lump sum settlement. However, most of the people are hesitating when it comes to this option because they do not have the sufficient money or credit score to propose a settlement. They feel that if they declare themselves bankrupt then they will not be able to get a single penny back. But the reality is that once a consumer taps a legitimate debt settlement program, he/she will be able to avail of a sixty percent waiver on the outstanding balances.

When the debtor taps the services of a settlement company, the experts negotiate with the lenders and try to get a reduction which will be acceptable to both of them. Once the deal is finalized, the debtor will have to pay a very small amount as down payment. It is a completely legal method and the person will not have to worry about the penalties charged by the lenders. Instead, the new agreement will clearly state that the consumer will have to pay monthly payments towards the debt that is settled and not towards the entire amount of money that was waived off.

However, some may find monthly payments very high. In such cases, they can opt for installment facility. This means that after the settlement is reached and the debt is paid in full, the consumer will have to make small monthly payments. However, this option is good only up to a certain extent. Once the balance goes back to zero, the consumer will have to make monthly payments again.

It is possible to go for a Debt Settlement versus Debt Consolidation program where a sum of cash is made to the company and the remaining debt is waived off completely. Lump Sum versus Debt Consolidation programs allow you to manage your finances better and you will be able to make smaller monthly payments without worrying about accumulating interest rates. This is because the entire amount will be paid off and the Consumer Debt Settlements Programs will be replaced by a single monthly payment that is lower than the cumulative amounts. There is no doubt that a Debt Settlement has more advantages but when compared with a Debt Consolidation program, it is clear that a Debt Consolidation plan has greater long term benefits.

Finally, when comparing the above two options, it is important to note that the settlement option is almost free from all drawbacks except for the fact that the total sum will be given to the creditor as a final settlement. On the other hand, Consolidation means that the sum is actually paid directly to the creditor who will in turn pay it off. The sum that will be paid in the Consolidation process is lesser than the combined sum of all the payments received during the settlement process. So, if the sum that is settled does not exceed the annual income you earn then it is advisable to settle the consolidation process instead of settling for a lump sum payment. But if you find that you can easily afford the monthly payments after the settlement process, then go ahead and get a Debt Settlement and enjoy relief from the harassment of creditors.

Is it Safe to Sell Structured Settlement Payments to a Cash Buyer?

Based on a recent article on the secondary market for structured settlements, you already know that transferring your future payments due from a structured settlement to a lump sum award is perfectly legal. However, if you’re selling your structured settlement, involving your attorney or a dedicated, structured settlement professional who specializes in these tough life situations is highly recommended prior to you actually shop around for an offer to purchase your remaining structured settlement. The reason why many people who receive payment settlements decide to sell their remaining payouts is because they need a large lump sum to fund their future needs-to pay off bills, remodel or expand a home, or pay for college tuition. As we all know, education is extremely expensive and with the ever-burgeoning cost of college tuition, many students have little to no extra money to pay for this expense. In fact, most students are unable to meet their minimum financial obligations and must rely on grants, scholarships, and loans to pay for school.

Sell Structured Settlement payments

The unfortunate truth is that even though these funds may be awarded to the plaintiff, these monies do not have to be paid back. A plaintiff cannot simply take out a loan using his or her remaining structured settlement payouts to pay off any debts. There is also the issue of inheritance taxes when these monies are distributed. When selling structured settlement payments, you must be aware that the recipient will not receive any cash monthly payments from you because these are considered unclaimed monies. Once a settlement recipient dies, it is not uncommon for the government to notify the beneficiary of their death and ask for the return of any monies.

The second reason why it’s wise to stay away from selling your future payments is that most lenders will not allow you to sell your remaining future payments for a lump sum amount. Even if they will give you a discount rate, there is still a hefty upfront fee that you will need to pay. Also, many buyers of structured settlements are interested in getting a discount rate as much as possible, so they will often offer a lower lump sum amount. However, if you want cash monthly payments, then this is not a good option for you.

You may have heard the term “present value” when you heard about selling your structured settlement future payments. What is this concept mean? Essentially, when you sell your future payments, what you actually are purchasing is the present value of your future payments. Basically, all cash sales are cash sales, but when you sell structured settlement payments, the buyer is getting a discounted rate on the initial purchase. It is important to keep in mind that although this discount factor can be enticing, it may not be worth your while.

Another point to keep in mind is the risk involved in selling your settlement. When you use a cash factoring company, the risks are your obligations and investments. In short, if the factoring company fails to pay you, or the buyer does not pay you in a timely manner, you may end up losing a substantial portion of your settlement. This may cause financial strains and stress that you were not under prior to entering into a contract with a seller. This is why it is important to carefully examine the costs and risks associated with selling your settlement.

If you want to sell structured settlement payments and do not have a broker or factoring company, you will need to take care of the details on your own. Fortunately, due to the recent laws enacted that eliminate brokers’ commissions, and the current economic climate where selling cash can be risky, most people are foregoing brokers and taking care of the details on their own. This gives you, the injured person, more flexibility and ability to choose the method that works best for your individual situation.

Using a Payment Calculator

A Payment Calculator is a tool you can use to calculate the various ways to make payments and the resulting balances. It allows you to input a variety of different monthly payments such as for mortgages, student loans, medical bills, vehicle payments, utility bills, and any other kind of recurring monthly expenses. With a Payment Calculator, you can quickly determine how much money you will have to set aside each month in order to pay all your bills. You can also determine how much interest you will be charged on your outstanding debts. By using a Payment Calculator, you will be able to make better financial decisions.

Payment Calculator

A Payment Calculator is usually found on the home page of an online financial website. There are many different types available to you depending on the type of financial information you provide. To use one of these calculators, first you need to input the data into the appropriate fields. Next, you click “Calculate” to display a list of different results depending on the input fields you have chosen. Some of the possible results are shown below.

Month Payment Amount Payment frequency Monthly payment amount will be determined by the amount you enter when you use this field. The longer the amount, the more frequently your payments will be needed. Weekly Payment Frequency This field allows you to choose a frequency in which your payment will be sent to you each week. The amount will be determined by the weekly total of your bills as well as any applicable taxes.

Yearly Payment Amount The amount of money you receive each year will affect the payment frequency of this field. If you have a large amount of money each year, you may want to choose a payment frequency that sending your payment each January. To do this, simply add up the amount of money you have each year and then divide it by 12. The result is the yearly payment amount you will receive. Yearly Payment Frequency The amount of time between payments will determine whether you make a single payment or multiple payments throughout the year.

Payment calculator can be used with online accounts such as PayPal, Google Checkout, and bank transfers. By using these calculators, you will be able to determine how much you would pay each month if you were paying all of your bills on time. You can also use this with your current creditors to see how much your payments would be each month. These calculators can also be used to find out what your monthly payment amount would be if you were not able to pay off your debt. This can be helpful if you are having difficulty making your monthly payments.

A good way to learn more about using a payment calculator is to go to the site itself and search for the different kinds of calculators they have available. Most sites will also have a section where a sample payment can be used. This can be used to give you an idea of how using a certain type of calculator will work. When you have chosen the type of calculator you want, you can input the necessary information and then use the calculator to come up with an estimate of what your monthly payment will be. All you need to do then is to click the submit button and the amount of money you are paying each month will be determined for you.

Annuity Calculator and How it Works

Annuities are plans that offer a steady stream of income over time. Usually, the amount received each month is enough to cover all of your necessary expenses. However, some people prefer to accumulate an income stream through an annuity so that when they stop working, they will still have a source of income. In order to understand how this type of investment works, you first need to know what an annuity is and what it is not. It is important to understand these differences before proceeding with any investment decisions related to your annuity policy.


Annuity payments are basically payments received on a monthly or yearly basis. In other words, a person receives a fixed amount of money each month that remains unchanged until the person either dies or remarries. The payments themselves are not interest rates, as most insurance companies treat them as “interest-only” accounts. Instead, they are interested only times intervals, which represents the amount of time it takes for the principal to be replaced with a variable rate (in many cases, a portion of the principle). The annuitant assumes risk at the beginning of the annuity period, since there is no guarantee when he or she will begin receiving payments again, but because the interest rates are guaranteed, there is no reason to worry.

When you purchase an annuity plan, you are basically paying taxes on the lump sum value you received; however, if you take a fixed annuity payment from the plan and wait a long time before retiring, then you are not really receiving fixed payments, but guaranteed interest rates that remain unchanged unless the government decides to change them. Many people prefer this arrangement, since it allows them to maintain a monthly cash flow while living on a set amount of income. Once the annuitant retires, the lump sum may be returned, but the payments will be very small, perhaps nowhere near the size of what they were in the early years.

The best way to look at the way the present value of money is determined is to think of it on the same scale as a savings account. With a savings account, the present values are updated once a week with all of the information regarding interest rates and inflation. With an annuity it is imperative that the present values are updated on a constant, month-to-month basis. The reason for this is that annuities pay out over a long period of time, and their values will be influenced greatly by the economy. This can easily be determined by using a calculator online for either fixed or variable annuity payment rates.

Some people choose to pay in lump sums right from the start, and others allow the value to accrue. However, there is no real option to buy low or sell high during the time that the money is in place. The best way to address this issue is to allow the end date of the settlement to determine the final amount that is paid. When the life annuities are paid out, it should equal the total of all fixed payments. It is then a simple matter to figure out what the monthly cost will be, and it is possible to adjust the cost for inflation if one desires.

The value of a settlement should never be underestimated and should always be based on a percentage of the face value, as opposed to the average present value provided by an insurance company. The reason for this is that the annuitant may not need all of the end payments, especially if the settlement has been set up for a lifetime. Many companies offer lump sum settlements that do not need any additional payments. These are called universal endowment contracts. However, a future payment may be required by some companies, especially those that are involved in different fields and will benefit from a higher interest rate over time.