If you havent taken a moment to scout new credit card offers, the time has arrived. Credit card companies are battling for the largest client base, and as a result, consumers are on the receiving end of very attractive benefits. One of the most popular types of cards on the market today is the cash back reward card. Although the logistics change depending on the financial institution, the result is the same: get cash back on every purchase!

Below are the top four cash back rewards cards; check out the benefits and choose the one thats right for you. Ive chosen these particular offers because of the size of the rewards and because of low interest rates.

Chase Cash Plus Rewards Visa Card

This is one of my favorite cards because Chase doesnt bog down the customer with a laundry list of rules and regulations. With some available cards, you have to follow very specific guidelines in order to receive rewards. With the Cash Plus Rewards Visa, all you have to do is use the card, and youll get cash back.

Every time you use the card at a grocery store, gas station or drug store, you receive 5% cash back. When you use it for other purchases, you get 1% cash back. Then, when you build up a balance, you can either request a check from Chase Bank, or you can request a gift certificate for merchants such as Best Buy, Macys and Home Depot.

Theres no annual fee for the Cash Plus Rewards Visa card, and new customers receive a 0% introductory APR for up to twelve months on both balance transfers and purchases.

HSBC Cash Back Rewards MasterCard

I recommend this card for anyone who enjoys security protection and fair, competitive rewards. With the HSBC Cash Back MasterCard, you receive 1% cash back on all purchases, with no spending requirements. They offer a 0% introductory APR for the first twelve months. There is no annual fee, and youll receive Zero Liability in the event that your card is stolen or used without authorization.

With the Chase card, you received 5% back on some purchases, which is not true of the HSBC card. However, this card comes with unlimited purchase protection, extended warranties, and travel accident insurance.

Citi Dividend Platinum Select Credit Card

This is a card for anyone who wants cash back rewards, but who plans on paying the card off every month. Customers receive 5% cash back on purchases at grocery stores, drug stores and gas stations, and 1% back for all other purchases. Citi offers a 0% APR on balance transfers for the first twelve months, but the regular APR is higher than the other cards being compared here. The cash back rewards are good, but this is not the card on which to carry a balance.

Citi offers the highest in security protection with a Photocard option and a fraud early warning block. They also provide Lost Wallet Protection, which means that if your card is lost or stolen, they will replace it within 24 hours.

Blue Cash from American Express

This is the perfect card for anyone who wants to share the benefits with a family member. Blue Cash offers up to 5% back on all purchases the most at drug stores, grocery stores, gas stations and home improvement stores and you receive the same cash back rewards with additional cards. That means that if your spouse, parent or child has a copy of the card, you earn cash back with their purchases as well.

Blue Cash offers a 0% introductory APR for the first six months, with a low regular APR afterwards. There is no annual fee, and no spending requirement to start receiving cash back. You might also want to check out American Express Smart Chip service with ID Keeper. This web tool allows you to store personal log-in and password information for the web so that you dont have to input your information every time you log on.

Cash back reward cards are an excellent way to get your feet wet in the credit card world. Try some of these on for size, and see what they have to offer. If youre going to be buying things anyway, you might as well reap additional benefits!

There are various companies that offer a lump sum payment in exchange for cash flow streams generated by structured settlements. Beneficiaries of structured settlements often have to sell settlements when faced with an urgent or near-term liquidity need.

The process of selling structured settlements begins with understanding ones requirements and the immediacy of the need. This can be done with the help of a financial advisor. In fact, in several states in the U.S, it is mandatory to take legal advice before selling a structured settlement. Brokers who are knowledgeable about the court procedures involved in the sale of a structured settlement can be of great help. Brokers are in contact with numerous settlement companies and upon understanding a sellers unique requirements they can guide the seller to the most appropriate settlement company. Either with the help of brokers or by searching online, one can select a financial institution that appears to offer the best price for the structured settlement at minimum cost and in as less time as possible. Sellers should also check the prospective buyers credentials, the rate of interest they offer, and their record for prompt payments.

Sellers are usually required to fill an application form that provides the buyer with necessary information such as amount required, nature of the structured settlement, and the insurance company. Upon approval of the application, the buyer forwards closing documents to the seller. These should be studied and understood by the seller with support from his financial advisor. Once the provisions mentioned in the closing documents are met, the funds are released to the seller. The insurance company is made aware of changes in ownership of the structured settlement. The receipt of cash flow by the seller is subject to court approval. The court assesses the sellers circumstances and then decides whether the sale is in the best interests of the seller and his dependents. A court approved sale of structured settlements is tax-free for the buyer and seller.

The cash flow received in exchange for the structured settlement is minus the buyers fees and other expenses such as broker commissions, application fees, and legal expenses. These costs are not out-of-pocket expenses for the seller nevertheless they should be carefully considered with respect to different buyers and the maximum amount that can be obtained by the sale of a minimum number of structured settlements.