I find that I cannot stomach a lot of TV commercials that are out there today. They tend to employ deception, vanity, sloppy logic and a host of other questionable methods to sell their products. One of the most annoying for me is a company called JG Wentworth. For non-TV watchers, this is a company that will buy out your annuity or structured settlement (I'm sure for a whopping fee) so you can have the money now. The thing that blows my mind is the statement from "clients", "It's my money, I need it now!" My sense tells me that while the money WILL be yours according to the terms of the contract, it is not yet "yours" until the time specified by the annuity or terms of the settlement. Using the logic of this company, my landlord could say a month into a one year lease, "It's my money, give it to me now!" Again, it is not their money nor do they have any claim on it until the time specified in the lease (or possibly when the lease is broken). I structured settlement or annuity is set up the way it is for a reason -- and to demand changing that is likely to leave the recipient wanting in the long term. Why doesn't the company simply advertise their willingness to act on the recipient's behalf as a paid agent to negotiate a buyout of the annity or settlement? That's the true fact -- getting the money now that will be yours later on is gonna cost you -- both in the short term and likely in the long term. Are people so stupid or do the ad people think they are? God, I hope not!