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TOP 10 SCARY JAPANESE URBAN LEGENDS(อ่าน 271 ครั้ง)
TOP 10 SCARY JAPANESE URBAN LEGENDS เมื่อ: เมษายน 23, 2020, 12:34:31 AM
TOP 10 SCARY JAPANESE URBAN LEGENDS

10. Teke-Teke


This is the Urban Legend about a girl who fell under a train and was cut in half. She became a vengeful spirit that moves using her hands and elbows, dragging herself while making the sound -Tek-Tek- … if you hear that noise, youre supposed to run. Those who are caught by the Tek Tek will recieve a fate like her - shes said to slash her victims in half so that they look like her, and possibly become wandering vengeful spirits as she is.

9. Slit Mouthed Woman


You may recognise this one from a number of Japanese movies and TV shows. The traditional name for this being is Kuchi-sake-onna and dates back over 300 years ago. She is a woman who was brutally mutilated by her husband after he found she was having an affair with another Samurai. This left her in death as a restless spirit. She is said to cover her mouth with a cloth mask, a fan or a scarf. If you approach her, shell ask you if you think shes pretty. If you answer yes, she will remove the mask and when the victim screams they will be slashed from ear to ear until they look like her. Even if you say no, shes said to follow you home and brutally murder you that night.

8. Daruma-san


This urban legend is more of an old game passed down through the years. You shower in a bath, turn off the lights and chant -Daruma-san fell down- while you wash your hair … its said that you will see a woman in your mind. She is Daruma-San. Shell be standing up in a bath. Youll see her slip and fall onto an old rusty tap. It goes straight through her eye and kills her. Then, you will feel her ghostly presence behind you. If you turn around - there she is. Black tangled hair, rotting clothes, one eye is bloodshot and the other is just a bloody, hollow eye socket. The game continues even further than that if you dare, but I think thats enough for you to understand this creepy urban legend.

7. Girl From The Gap


This Japanese story comes from peoples natural fear of what lies lurking in the cracks of a home. Do you ever see something move past the hinge of a door? Is that someone looking out from inside your wardrobe? Have you ever pictured a hand reaching out from between your bed and the floor? Well it could be the girl from the gap - a spirit that lives both physically and metaphorically -between worlds-. Its said that if you ever see her, she will ask if you want to play hide and seek. At that point the game is on. When you her between a gap again, shell drag you to an other worldly hell.

6. The Red Room


This is a very modern Japanese urban legend about a pop up ad thats red with black test. In a childs voice, it simply repeats the phrase -Do you like?-. A boy who got the popup tried to close it but it kept reappearing. Then, it changed to -Do you like red?- … he keeps trying to close it but it grows large and changes again to say -Do you like the red room?- … then, the site changes. All red and black. It has a list of names on it - his friends is at the bottom. And hand reaches out towards the boys neck from a video. tHE Ending gets even more twisted but guess what, its based on a real website. Its still out there. If you can find it, youll know the gruesome legend of the red room and if the horrible ending comes true for you.

5. The Human Pillars


This legend dates back to ancient times in Japan where its known as Hito-bashira. Back then, there was a belief that a human sacrifice sealed inside a structure would make a foundation more stable. This means that many old Japanese buildings are said to contain the spirits of the people who were sacrificed during their construction. One famous example is Matsue Castle where a woman was sealed inside the foundations during its construction. Now her spirit is said to haunt the castle and whenever a woman dances there, the castle shakes violently. Many building owners in Japan are open about their building being a Human Pillar.

4. The Snake Woman


This one comes from the old Japanese folklore pf Nure-onna which translates to wet woman. She is often described as having the head of a woman and the body of a snake - with long claws, snake eyes and jet black hair.  She carries with her a childlike bundle to lure in her victims. If a person tries to pick up the baby, they find its not a child at all. The bundle then becomes very heavy and stops the victim from fleeing. The snake woman then uses her long tongue to suck all of the blood from the victims body until they die.

3. Onibaba


She is a demon women that often appears in Japanese folk folklore. She will often appear as an old woman asking for help but if you get to close, she will slice you open with a knife and eat you. She is said to be the tormented spirit of a woman who accidently killed her pregnant daughter and unborn grandchild in an effort to find a cure for her friends child being sick. She was told to bring them the liver of an unborn child but when she finally killed her victims, she found they were her own family.

2. The Dream School


This one is extra creepy because apparently if you don't forget it within a week - it will happen to you. Lets see if this is true. One night, a boy had a dream about a school. The hallways looped forever, bringing him back to the start. Staircases led back to the first floor. As he got scared, he heard footsteps behind him. He ran until he found an emergency exit with a glass box and a key next to it. The glass had been smashed and there was a note saying it could be found in room 108. When he found that room, it was empty - no students - but there were backpacks hanging off every chair. There was a pounding on the door. He opened it, terrified, to find the hallways covered with dead children. Its said that he never woke up from his dream and if you don't forget the story in one week, youll meet the same fate. Don't worry though guys

1. Onryo


This is a traditional Japanese ghost belief about a vengeful spirt that can and will physically hurt the living. Its a very scary concept if youre only familiar with the western idea of ghosts which don't really take solid forms and so cant hurt humans with physical contact. Thats not true for an Onryo. They are vengeful and full of hate, stopping at nothing to enact the suffering they received when they were alive. For any of you guys who have seen The Grudge, this spirit is the influence for that creepy girl in that movie.






JAPANESE URBAN LEGENDSKOREAN URBAN LEGENDSBRITISH URBAN LEGENDSAMERICAN URBAN LEGENDS
CHINESE URBAN LEGENDSRUSSIAN URBAN LEGENDSMEXICAN URBAN LEGENDSCANADIAN URBAN LEGENDS
IRISH URBAN LEGENDSJACK THE RIPPER URBAN LEGENDSBRITISH URBAN LEGENDS PART 2HOSPITOL URBAN LEGENDS
BLOODY MARY URBAN LEGENDSINDIAN URBAN LEGENDSDISNEY URBAN LEGENDSSWEDISH URBAN LEGENDS
CEMETERY URBAN LEGENDSAMERICAN URBAN LEGENDS PART 2MCDONALD'S URBAN LEGENDSFRENCH URBAN LEGENDS
CHINESE URBAN LEGENDS PART 2PAKISTANI URBAN LEGENDSAUSTRALIAN URBAN LEGENDSHAUNTED TRAIN URBAN LEGENDS
VIKING URBAN LEGENDSRUSSIAN URBAN LEGENDS PART 2FILIPINO URBAN LEGENDSCREEPIEST URBAN LEGENDS
WORLD URBAN LEGENDSSCARY CURSED OBJECTSMYSTERIOUS PHOTOSTOP BONE CHILLING
ANCIENT CREATURESANCIENT SERIAL KILLERSTERRIFYING KIDNAPPINGSFORTNITE CREEPYPASTAS
SCARY CURSED OBJECTSPARANORMAL MYSTERIESURBAN LEGENDS REAL CRIMESTHE MOST EVIL KIDS
MYSTERIOUSLY VANISHEDUNSOLVED MYSTERIESMOST BIZARRE CURSESTOP HORROR MOVIES
PETS ATE OWNERSREAL HORROR STORIESSCARIEST ANIMATEDSCARIEST HORROR GAMES
INSANE TRUE CRIMESCARIEST DEATHSSCARY GHOST SIGHTINGSHORRIBLE SERIAL KILLERS
CREEPIEST WEBSITESMURDERS BLAMED VIDEO GAMESWORLD URBAN LEGENDSMYSTERIOUS PEOPLE IDENTIFIED



Re: TOP 10 SCARY JAPANESE URBAN LEGENDS ตอบกลับ #1 เมื่อ: พฤษภาคม 11, 2020, 02:39:25 PM
The Coronavirus Explained & What You Should Do
In December 2019 the Chinese authorities notified the world that a virus was spreading through their communities. In the following months, it spread to other countries, with cases doubling within days. This virus is the Severe Acute Respiratory Syndrome-Related Coronavirus 2 that causes the disease called Covid-19 and that everyone simply calls coronavirus. What actually happens when it infects a human and what should we all do?

A virus is really just a hull around genetic material and a few proteins, arguably not even a living thing. It can only make more of itself by entering a living cell. Corona may spread via surfaces, but it's still uncertain how long it can survive on them. Its main way of spreading seems to be droplet infection when people cough, or if you touch someone who's ill and then your face, say rubbing your eyes or nose. The virus starts its journey here, and then hitches a ride as a stowaway deeper into the body Its destinations are the intestines, the spleen or the lungs, where it can have the most dramatic effect.

Even just a few corona viruses can cause quite a dramatic situation. The lungs are lined with billions of epithelial cells. These are the border cells of your body, lining your organs and mucosa waiting to be infected. Corona connects to a specific receptor on its victim's membranes to inject its genetic material. The cell, ignorant of what's happening, executes the new instructions, which are pretty simple: copy and reassemble. It fills up with more and more copies of the original virus until it reaches a critical point and receives one final order, self-destruct.

The cell sort of melts away, releasing new corona particles ready to attack more cells. The number of infected cells grows exponentially After about 10 days, millions of body cells are infected, and billions of viruses swarmed the lungs. The virus has not caused too much damage yet, but corona is now going to release a real beast on you, your own immune system. The immune system, while there to protect you, can actually be pretty dangerous to yourself and needs tight regulation.

And as immune cells pour into the lungs to fight the virus, Corona infects some of them and creates confusion. Cells have neither ears nor eyes. They communicate mostly via tiny information proteins called cytokines. Nearly every important immune reaction is controlled by them. Corona causes infected immune cells to overreact and yell bloody murder. In a sense, it puts the immune system into a fighting frenzy and sends way more soldiers than it should, wasting its resources and causing damage.

Two kinds of cells in particular wreak havoc. First, neutrophils, which are great at killing stuff, including our cells. As they arrive in their thousands, they start pumping out enzymes that destroy as many friends as enemies. The other important type of cells that go into a frenzy are killer T-cells, which usually order infected cells to commit controlled suicide. Confused as they are, they start ordering healthy cells to kill themselves too. The more and more immune cells arrive, the more damage they do, and the more healthy lung tissue they kill.

This might get so bad that it can cause permanent irreversible damage, that leads to lifelong disabilities. In most cases, the immune system slowly regains control. It kills the infected cells, intercepts the viruses trying to infect new ones and cleans up the battlefield. Recovery begins. The majority of people infected by Corona will get through it with relatively mild symptoms. But many cases become severe or even critical.

We don't know the percentage because not all cases have been identified, but it's safe to say that there is a lot more than with the flu. In more severe cases, Millions of epithelial cells have died and with them, the lungs' protective lining is gone. That means that the alveoli - tiny air sacs via which breathing occurs - can be infected by bacteria that aren't usually a big problem. Patients get pneumonia. Respiration becomes hard or even fails, and patients need ventilators to survive. The immune system has fought at full capacity for weeks and made millions of antiviral weapons.

And as thousands of bacteria rapidly multiply, it is overwhelmed. They enter the blood and overrun the body; if this happens, death is very likely. The Corona virus is often compared to the flu, but actually, it's much more dangerous. While the exact death rate is hard to pin down during an ongoing pandemic, we know for sure that it's much more contagious and spreads faster than the flu.

There are two futures for a pandemic like Corona: fast and slow. Which future we will see depends on how we all react to it in the early days of the outbreak. A fast pandemic will be horrible and cost many lives; a slow pandemic will not be remembered by the history books. The worst case scenario for a fast pandemic begins with a very rapid rate of infection because there are no counter measures in place to slow it down.

Why is this so bad?
In a fast pandemic, many people get sick at the same time. If the numbers get too large, health care systems become unable to handle it. There aren't enough resources, like medical staff or equipment like ventilators, left to help everybody. People will die untreated. And as more health care workers get sick themselves, the capacity of health care systems falls even further. If this becomes the case, then horrible decisions will have to be made about who gets to live and who doesn't. The number of deaths rises significantly in such a scenario. To avoid this, the world - that means all of us - needs to do what it can to turn this into a slow pandemic.

A pandemic is slowed down by the right responses. Especially in the early phase, so that everyone who gets sick can get treatment and there's no crunch point with overwhelmed hospitals. Since we don't have a vaccine for Corona, we have to socially engineer our behaviour, to act like a social vaccine. This simply means two things:
1. Not getting infected.
2. Not infecting others.

Although it sounds trivial, the very best thing you can do is to wash your hands. The soap is actually a powerful tool. The corona virus is encased in what is basically a layer of fat; soap breaks that fat apart and leaves it unable to infect you. It also makes your hands slippery, and with the mechanical motions of washing, viruses are ripped away.

To do it properly, wash your hands as if you've just cut up some jalape?os and want to put in your contact lenses next. The next thing is social distancing, which is not a nice experience, but a nice thing to do. This means: no hugging, no handshakes. If you can stay at home, stay at home to protect those who need to be out for society to function: from doctors to cashiers, or police officers;. You depend on all of them; they all depend on you to not get sick. On a larger level, there are quarantines, which can mean different things, from travel restrictions or actual orders to stay at home. Quarantines are not great to experience and certainly not popular. But they buy us - and specially the researchers working on medication and vaccinations - crucial time.

So if you are put under quarantine, you should understand why, and respect it. None of this is fun. But looking at the big picture, it is a really small price to pay. The question of how pandemics end, depends on how they start; if they start fast with a steep slope, they end badly. If they start slow, with a not-so-steep slope, they end okay-ish. And, in this day and age, it really is in all of our hands. Literally, and figuratively. A huge thanks to the experts who helped us on short notice with this, specially Our World In Data, the online publication for research and data on the world's largest problems and how to make progress solving them. Check out their site. It also includes a constantly updated page on the Corona pandemic.




Re: TOP 10 SCARY JAPANESE URBAN LEGENDS ตอบกลับ #2 เมื่อ: พฤษภาคม 11, 2020, 02:39:41 PM
Scientists hunt for a Covid-19 treatment
With a Covid-19 vaccine unlikely for at least a year, scientists around the world are conducting some 300 clinical trials into existing or experimental treatments that might help patients infected with the coronavirus. Analysts said last week that they saw “a ray of hope” in early results from a small study into remdesivir, an antiviral that California-based Gilead Sciences developed to battle Ebola. Doctors observed improvement in 36 of 53 patients with severe Covid-19 cases who received the drug. Other teams of researchers are studying immune system–boosting antibody treatments, including transfusions of blood plasma from recovered patients (see Health & Science).

Remdesivir has proved effective against other deadly coronaviruses in animal studies, said Hal Dardick in the Chicago Tribune. It’s thought to work by inhibiting a virus’s ability to replicate in high numbers, and in humans might prevent Covid-19 from overwhelming and devastating the lungs. But tests have a long way to go, and some scientists believe the drug might “be more effective on patients whose disease is less serious.”

President Trump has repeatedly pushed chloroquine as a panacea, said Michael Hiltzik in the Los Angeles Times, but the latest data on the anti-malarial drug “haven’t been encouraging.” Some hospitals that were using chloroquine as a routine first-line treatment have dropped it, because of a lack of proof that it has any positive effect “and growing evidence of harm.” Indeed, one Brazilian study into chloroquine and Covid-19 was ended “when several patients subjected to high doses of the drug began to show heart irregularities.”

It’s possible we may never find “a miracle drug,” said Spencer Bokat-Lindell in The New York Times. Of the 200 or so viruses that are “known to infect humans, only about 10 have approved treatments.” Our best near-term hope might be antibody treatments, which give our bodies a fighting chance. A number of biotech companies are now developing monoclonal antibodies—some derived from genetically engineered mice—that could enter trials this summer. “If everything goes perfectly, they might be ready for limited use in the fall.”

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SCARY CAUGHT ON VIDEOSCARY IN VIDEO GAMESABOUT DONALD TRUMPMONSTERS URBAN LEGENDS
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Re: TOP 10 SCARY JAPANESE URBAN LEGENDS ตอบกลับ #3 เมื่อ: พฤษภาคม 16, 2020, 05:18:01 PM
“We shared one toilet with 50 families”
Kenya’s slums are mobilising to protect themselves from the coronavirus, says Kennedy Odede. I grew up in Kibera, the biggest slum in Nairobi, so I know first-hand how easy it is for illness to spread there. I shared, with my parents and seven siblings, a tiny shanty made of “iron-sheet walls patched with cardboard to cover the holes”, with a strung-up sheet separating the bedroom area from the kitchen area. There was “no concept of ‘personal space’ or ‘alone time’”, because we could hear our neighbours a foot away in the next shack, and we shared one toilet with 50 families. That’s why, aged 15, I founded Shining Hope for Communities (Shofco), an anti-poverty group that now works in 11 informal settlements. Its members have set up hand-washing stations at every slum entry point, and we’re going door-to-door distributing bleach, hand sanitiser and homemade soap. Shofco is now checking people’s temperatures, referring potential cases to the authorities and helping to quash false rumours. But we shouldn’t have to do this all on our own. “We need to feel the presence of the government, and the private sector, on the ground, working with us to combat this crisis.” If we can’t keep the disease from decimating our poor, Kenya’s health crisis will turn into class warfare.

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SCARY CAUGHT ON VIDEOSCARY IN VIDEO GAMESABOUT DONALD TRUMPMONSTERS URBAN LEGENDS
POWERFUL NORTH KOREAKIM JONG UN ENJOYSEVIL PEOPLE DID GREATVIDEO GAME URBAN LEGENDS
EXPENSIVE FRUITS IN THE WORLDDEADLY UFO ATTACKSMYSTERIOUS TIME TRAVELERSMOST MYSTERIOUS SOUNDS
CREEPIEST WEBSITESMURDERS ON VIDEO GAMESMOST TOXIC GHOST TOWNSPEOPLE BEEN IDENTIFIED
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FAKE BEHINDS CELEBWORST MOVIE ENDINGSGREEN THAI DESSERTSROADS NEVER DRIVE ON
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ZOMBIES MOVIECRAZY BIZARRE HOBBIESSCARY GHOST SIGHTINGSJUNK FOOD ACTUALLY GOOD
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TOP 15 SCARIEST ANIMATEDSCARIEST REAL HORRORMOST NATURAL POOLSMOST BIZARRE CURSES
MYSTERIOUSLY VANISHEDPETS ATE THEIR OWNERSSTRANGE INSIDE HUMANBEST HEALING HERBS
FRUIT AROUND WORLDMOST VENOMOUS ANIMALSMOST VENOMOUS SNAKESMOST DEADLIEST SNAKES



Re: TOP 10 SCARY JAPANESE URBAN LEGENDS ตอบกลับ #4 เมื่อ: กันยายน 22, 2020, 12:11:09 AM
Free exchange A little less conversation
Can central bankers talk too much?

Imagine you are a journalist trying to reassure your bosses that you will hit a tight deadline. What would be more effective: a forceful but brief commitment that you will do whatever is needed to get the job done, which leaves them in the dark on all the things that might go wrong along the way? Or a plan detailing every step you will take—but in which they can spot unnerving risks? That resembles the choice central banks face as they try to convince financial markets and the public that they will meet their goals. Over the past decade their preference has been clear: the more transparency and detail, the better. In 2011 America’s Federal Reserve began holding press conferences after its monetary-policy meetings. It started publishing the range of rate-setters’ economic forecasts the following year. Across the rich world, forward guidance on the path of interest rates has become part of the toolkit. Central bankers make ever more speeches, bringing once-hidden debates out into the open. Some tweet their views.

The theoretical justification for all the talk is strong. The more markets understand how the central bank will react to events, the better they anticipate future policy. Conditions in financial markets should immediately tighten or loosen in response to economic news, making central bankers’ jobs easier. It is as if setting out your plan to your boss makes it easier to implement. Today, however, the theory is being tested. The European Central Bank (ecb) meets on October 24th, after The Economist goes to press, amid a very public row about monetary policy. In September the ecb said that it would restart quantitative easing (qe), the purchase of bonds with newly created money, and that it would keep buying assets until inflation picks up from its current level of 1% towards the bank’s aim of close to 2%. Hawks such as Klaas Knot, the head of the Dutch central bank, have been unusually vocal in their dissent. Bond yields, which move inversely to prices, first fell as markets digested the ecb’s guidance. But the bickering has since sent them in the other direction. Market pricing now also reflects expectations of how the political struggle over open-ended qe will play out. Investors have spotted a flaw in the plan.

In America the Federal Reserve may cut interest rates for a third time this year on October 30th. It has been accused by economists at Goldman Sachs, a bank, of constructing a “hall of mirrors” in its communications with markets. The Fed, the argument goes, has this year simultaneously signalled its intentions to bond markets while taking its cues from them. But bond yields are a prediction of what the Fed will do, not an instruction. As a result, the Fed and the markets have entered a pessimistic spiral, while the real economy has been ignored. In its eagerness to be in touch with markets, the Fed has forgotten that it is in the lead.

Central banks everywhere must also work out how to offer forward guidance when facing sharply divergent forks in the road. A trade truce between America and China could transform the economic outlook. A no-deal Brexit could cause chaos in Britain that spills over to the rest of Europe. Telling markets what to expect of policy is much harder when prediction involves choosing between black and white.

Might it help, therefore, for central banks to talk a little less? Microeconomists have long known that ambiguity can have strategic uses. Employment contracts, for example, do not specify every action an employee must take, nor all the obligations of an employer, possibly because it may be better to leave room for either side to punish the other’s bad behaviour. In recent years Bengt Holmström of mit, who in 2016 won the Nobel prize for economics, has argued that central-bank opacity has its uses in credit markets. Most of the time, he argues, these markets, unlike stockmarkets, are “information-insensitive”—they do not respond much to news.

In contrast to stocks, there is no upside for the lender when things go especially well, and default is a remote risk, especially when loans are adequately collateralised. “A state of ‘no questions asked’ is the hallmark of money-market liquidity,” he argues. In a panic, however, money-markets dry up as the risks loom larger. Lenders find themselves having to scrutinise every transaction. Restoring stability might require a promise that is light on detail, and thus hard to pick apart. At the worst of the euro zone’s sovereign-debt crisis, for instance, Mario Draghi, the head of the ecb, pledged to do “whatever it takes” to keep the single currency safe. Mr Holmström also notes that when the Fed provided emergency lending to banks during the financial crisis, it did not disclose which institutions received support, for fear that any associated stigma could provoke bank runs.

Too much information
Might a similar logic carry across to central bankers’ everyday goals, such as targeting inflation? Inflation expectations, like financial panics, can prove self-fulfilling. Some economists reckon that central banks’ promises to keep inflation low may have become so credible that the public rarely revises its expectations in light of economic news—another case of “no questions asked”. But the analogy breaks down when it comes to interest rates. Rates vary and markets have to expect something. Central banks might as well steer such expectations. The limits of communication are best seen as the latest round in the decades-old battle between those who want monetary policy to be set by rules, and those favouring discretion. The clearest forward guidance would be a fully transparent algorithm that relates interest rates to economic data. But such a mechanical “reaction function” exists only in economic models. In reality, policymakers have to use their judgment, meaning their decisions are inherently uncertain. As long as that is true, there is a limit to how much more transparency can make interest rates predictable. And, as the recent experience of central banks shows, talking can have its downsides. It is worth pondering when silence might be golden.



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Re: TOP 10 SCARY JAPANESE URBAN LEGENDS ตอบกลับ #5 เมื่อ: กันยายน 23, 2020, 11:43:12 AM
China threatens to kill the golden goose

A last-minute intervention by Beijing made the battle over the future of TikTok’s social network even more complicated, said Zheping Huang and Colum Murphy in Bloomberg.com. Last month, Trump threatened to ban the Chinese-owned network, immensely popular with youth around the world, over concerns it could share data with China’s government. Software giants Microsoft—allied with Walmart—and Oracle issued competing bids for Tik-Tok’s U.S. operations. But China “threw a wrench” into the plans this week. Much as the U.S. has used export rules to limit how U.S. companies work with China, China has put the “personalized recommendation” algorithms that TikTok is built on in a list of 23 products now requiring approval before being sold overseas. China is trying to “prevent what state-run media called the ‘theft’ of technology.” Zhang Yiming, founder of TikTok parent ByteDance, may still pursue a deal, but China’s regulators could also hold up an agreement until after the U.S. elections in November.

Walmart’s entry into the TikTok sweepstakes last week highlighted the app’s wide- ranging appeal, said Raymond Zhong in The New York Times. The huge retailer’s team-up with Microsoft raised some eyebrows. But you can look to China to see why this makes sense. “Chinese e-commerce platforms have been adding livestreaming to their apps for years, and video apps have been adding shopping functions.” That could be a model for Walmart. Merchandise sold via livestreaming in China is expected to reach $140 billion this year.

To make that work, though, any U.S. buyer would need TikTok’s secret sauce, said Tim Culpan in Bloomberg.com, and it’s not clear China will ever let that happen. “Imagine a bidder for KFC being told the deal might not include the Colonel’s 11 secret herbs and spices.” That’s effectively what China just told TikTok’s pursuers. While data is what put TikTok in this mess, “it’s really the algorithms that matter most to the company” and keep users glued to their phones. Beijing is “threatening to kill TikTok to save it,” said Pete Sweeney in BreakingViews .com. Trump’s strong-arming has understandably “played poorly in the People’s Republic.” Americans would react the same way if China’s president demanded that “Apple sell its Chinese unit—and its source code—to a Chinese buyer or be kicked out of the country.” Rather than allow Washington to set that kind of precedent, China may put TikTok out of its misery.

TikTok is already declining in value, said Dan Gallagher in The Wall Street Journal. In May, it hired Kevin Mayer, once considered the heir apparent to Bob Iger at Disney, as its new CEO. But all the turmoil and the prospect of a sale led Mayer to quit last week rather than “become middle management” again at another tech giant. There’s another reason I’m not confident TikTok will survive this turmoil, said Casey Newton in TheVerge .com. It “was able to fend off fierce competition from Facebook and Snapchat” thanks to a “remarkably adept and focused ByteDance team” in a hypercompetitive environment. Microsoft, Walmart, and Oracle can’t replicate that culture.



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Re: TOP 10 SCARY JAPANESE URBAN LEGENDS ตอบกลับ #6 เมื่อ: กันยายน 23, 2020, 11:46:32 AM
The California way of killing business

For a sneak peek at a Biden presidency, just head to California, said Andy Kessler. Democrats have controlled the state assembly since 1997 and the governorship since 2011. As a result, “we’re No. 1 in the top marginal income tax rate at 13.3 percent” and No. 1 in state sales tax. This month, Californians “have been subjected to rolling blackouts because of the state’s renewable energy mandates,” since solar cells become worthless when the sun goes down every evening. The state then has to buy energy on the market, at exorbitant cost. We’re No. 3 in water prices, hurting the farmers who grow “90 percent of America’s broccoli, 95 percent of its garlic, and twothirds of fruits and nuts.” Now ask why your prices are going up. Then there’s Assembly Bill 5, the law the state passed to smother the gig economy. “What do the 300,000 Uber drivers and 200,000 Lyft drivers actually want, as opposed to what California says they want?” Doesn’t matter. The U.S. House of Representatives is already threatening to take some of these policies national, so “this craziness could be yours too.” Before remote work made it possible to live anywhere, this state was “blessed with tax dollars” from employees of Apple, Google, Facebook, Twitter, Palantir—oops. Check that. Palantir is moving to Colorado. “Can’t say I blame them.”



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Re: TOP 10 SCARY JAPANESE URBAN LEGENDS ตอบกลับ #7 เมื่อ: กันยายน 23, 2020, 12:54:44 PM
Violence roils the presidential campaigns

President Trump visited Kenosha, Wis., this week to press the law-and-order message that’s become his chief re-election theme, in the wake of a police shooting of a black man there and the ensuing fatal shooting of two protesters, allegedly by a 17-year-old Trump supporter. Trump met with law enforcement officials in the small lakeside city and toured buildings torched by rioters. The violence erupted after police responding to a call for help shot 29-year-old Jacob Blake seven times in the back as he tried to enter his car, severing his spine and leaving him paralyzed.

Trump, who did not meet with Blake’s family, blamed the violence on “far-left politicians” who “push the destructive message that our nation and our law enforcement are oppressive or racist.” Trump also defended Kyle Rittenhouse, the 17-year-old charged with killing two protesters and injuring a third last week with a military-style rifle. Rittenhouse, who’s been charged with homicide, illegal weapons possession, and four other crimes, drove in from Illinois to join groups of vigilantes patrolling Kenosha’s streets to defend the city from protesters. A video seems to show him shooting and killing a protester who threw a bag at him, and then being chased, falling, and shooting two other protesters trying to take his gun away. He has claimed self-defense. Trump said that Rittenhouse had been “violently attacked,” and “probably would have been killed.”

In Portland, Ore., a caravan that included members of the far-right group Patriot Prayer drove through downtown Saturday, firing paintballs and pepper spray at police-brutality protesters who’ve staged demonstrations around the federal courthouse for months. A 39-year-old supporter of Patriot Prayer was fatally shot by an unknown assailant during a confrontation on the street. In a tweet, Trump called the caravan members “GREAT PATRIOTS” defending Portland against “Disgraceful Anarchists.”

In a speech, Democratic nominee Joe Biden fired back at Trump, blaming him for stoking division and “recklessly encouraging violence.” Biden said he “unequivocally” condemned the “lawlessness” in Kenosha and other cities, called for looters to be prosecuted, and challenged Trump’s claims that disorder  would grow if he were elected. “I’d be looking to lower the temperature in this country, not raise it,” said Biden, who planned to visit Kenosha on Thursday, after The Week went to press. “Does anyone believe there will be less violence in America if Donald Trump is re-elected?”

The Portland victim’s blood is on Demo crats’ hands, said The Wall Street Jour nal. His shooting “is what happens when political leaders fail to perform the most basic responsibility of government to protect innocent lives and property property.”

Portland Mayor Ted Wheeler and Oregon Gov. Kate Brown have “hamstrung” law enforcement while indulging rioters who’ve attacked police and burned buildings. Now Democrats are trying to “make alleged vigilantism the story rather than the failure of progressive Democratic governance.”

“Trump’s exploitation of Kenosha’s pain is the foulest act of his presidency,” said the Madison, Wis., Capital Times. One man has been paralyzed, two others are dead, and “a city has been shaken to its very core.” And the nation’s president “came to Wisconsin not to promote unity” but “to fan the flames” and praise armed vigilantes as patriots.

Democrats have finally woken up to “the disorder in American cities,” said Rich Lowry in the New York Post. Until now they’ve been content to perpetuate a “narrative of courageous young people rising up against systemic racism.” Now that they fear the violence and chaos will hurt Biden, they’re acknowledging it’s wrong—but they’re blaming Trump. Sorry, but looting and fires have mostly occurred in cities run by Democrats. “If they can’t maintain basic order, it’s on them.”

In case you’ve forgotten, Trump, not Biden, is president, said Max Boot in The Washington Post. Biden has never supported “violence of any sort,” and this week forcefully condemned people who exploit legitimate protests to loot and set fire to buildings. Trump, on the other hand, has “encouraged police brutality” and refuses to condemn “right-wing terrorists” like Rittenhouse. He wants to foment violence for reasons aide Kellyanne Conway explained to Fox News: “The more chaos and anarchy and vandalism and violence reigns, the better it is for the very clear choice on who’s best on public safety and law and order.”

Democrats do have a problem, said Robert Tracinski in TheBulwark .com. Polls show “public opinion is turning against the Black Lives Matter protests.” Democratic leaders haven’t pushed back against “the anarchist and revolutionary wing of the protest movement” that has hijacked the protests to set fires and loot stores. “This is precisely the sort of thing that could tip the election back to Trump.”

“This is a profoundly dangerous moment,” said Jack Holmes in Esquire.com. How did we land here, with “armed militias in military cosplay patrolling the streets?” Start with state legislatures that passed open-carry laws. Now we have hundreds of militia men supporting the president by carrying military-grade weapons on city streets. It’s “the culmination of a longbuilding national psychosis.”



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Re: TOP 10 SCARY JAPANESE URBAN LEGENDS ตอบกลับ #9 เมื่อ: พฤศจิกายน 15, 2020, 12:48:55 AM
Finding Travel Insurance After A Cancer Diagnosis
For people suffering from cancer and other serious conditions, finding adequate travel insurance can be tricky. But help is at hand from specialist companies providing great cover at reasonable cost

Finding suitable travel insurance after a cancer diagnosis can be fraught with problems. The premiums quoted online often cost more than the holiday or else any claim relating to the cancer is excluded.

Action is underway that should lead to better levels of insurance and more reasonable prices for those with medical conditions. But in the meantime consumers must know where to look to avoid buying inadequate cover.

All insurers and comparison websites will soon be required to signpost consumers with preexisting conditions to specialist travel insurers, whether they have offered them a quote for cover or not. It follows an investigation into this market by the regulator - the Financial Conduct Authority.

Andrew Williams, business development manager for specialist travel insurer Free Spirit, says: "The FCA is in discussions with insurers, and changes should be coming soon, which is great news for anyone with cancer or any other serious condition who has struggled to find insurance. Cover is out there for people in this situation but it can be difficult to know how to get it."

A recent survey by consumer group Which? found that when consumers with pre-existing medical conditions apply for travel insurance, around one in five are only offered cover that excludes claims arising from their condition and one in four faced inflated premiums.

"Research by Which? highlights the importance of speaking to a specialist broker or insurer when you have cancer or other medical condition," says Sarah Page, brand manager for specialist insurer Insurancewith. “Not everyone's situation is going to fit neatly into the tick boxes on a screen when applying for cover."

Ms Page adds: “At Insurancewith we can offer one-to-one medical underwriting and policies tailored to your specific needs so the price more accurately reflects the risk. This usually makes it much more affordable, particularly for someone with cancer.”

The type of cancer you have, its stage, your treatment and your medication will all affect the premium, as will your age - with older consumers typically having to pay more, as statistically they are more likely to claim.

Your choice of destination and the duration of the trip will also have a bearing on the cost. This is because the cost of healthcare in different countries varies widely. In Spain, for example, tourists will often be directed to private clinics when they need medical attention - this can vastly inflate the cost of a claim, compared to state-funded healthcare. Healthcare in the US and Australia, for example, can also be expensive.

The delay to Brexit means holidaymakers to European Union countries can continue to use the European Health Insurance Card (known as EHIC) for now - although future arrangements are unclear. EHIC entitles you to emergency state healthcare in EU countries. But consumers should not rely on this as an alternative to travel insurance. The standards of care may be much lower than with the NHS. It also won't cover the costs of repatriation.

The majority of insurers in the market use medical screening software called Healix, although a number use a different package called Protectif. The screening will ask questions about your condition and treatment to arrive at a 'medical score' before offering a premium cost for the travel insurance. As the two screening methods are slightly different it can be worthwhile getting quotes from a range of insurers that use different screening software.

Chris Rolland, chief executive at specialist insurer AllClear, says: "Declare everything. You will be asked to provide answers to set questions relating to each medical condition to ensure the insurer gets the information it needs to offer appropriate cover."

Using a broker can be helpful as it will look across a broad spectrum of providers to find you the best cover and price for your needs. The British Insurance Brokers' Association (BIBA) website at biba. org.uk can help you find one.

For most people with cancer and serious pre-existing conditions, and even those with a terminal diagnosis, it should be possible to find cover at a reasonable cost, although in some circumstances specific and tailored underwriting may be necessary.

Fi Munro, 33, from Errol, Perthshire, was diagnosed with stage-4b ovarian cancer in January 2016. She has since written a book How Long Have I Got?, set up an award-winning blog - Live Like You are Dying - and started her own businesses teaching yoga and meditation.

Fi says: "After the diagnosis I just wanted to live my life in the way I wanted and without barriers. I love to travel, but looking around for insurance that would cover me and my cancer was so difficult.

"A medical professional recommended that I speak to Insurancewith,” she adds. “I just couldn't believe the difference in its approach - and also the cost. It was so much cheaper than the mainstream brands that I'd previously been looking at."

Fi takes out single-trip cover for each holiday. Cover for her and her husband, Ewan, for a two-week trip to France in April cost ?85, for example. It is a stark contrast to the hundreds of pounds she could be charged with less specialist insurers. According to experts, it is a good idea to take out joint cover with the same insurer, even where one person in a couple does not have any preexisting medical conditions. The cost should not be any higher.

Mr Williams at Free Spirit says: "There could be complications if you need to cancel your trip due to illness, but your partner's separate insurance won't cover the cancellation."

Insurer AllClear offers Travelling companion' cover for travellers who are insured with a different provider for cancellation or curtailment as a result of the pre-existing condition of their travelling companion under AllClear. Think about purchasing travel insurance even for trips booked in the UK - because cancellation is among the main reasons for claiming on a policy for those with medical conditions.

How to Keep Premiums Down Shop Around:
Do your research and speak to different specialist insurers. A broker should be able to scour the market to find different policies to suit your needs at a reasonable price. Opt for a larger excess: By agreeing to pay a higher excess - the first part of any insurance claim that you must pay - it may be possible to lower the premium. Book holidays closer to the time of travel: If you can reduce the risk of cancellation due to ill health and can exclude cancellation cover from your insurance this should bring the premium down.

Consider changing destination and reduce length of trip: Insurance for travel to some countries will be much more expensive, so if you have not yet booked your trip talk to insurers and find out where might be cheapest. Shorter trips mean a lower risk of a claim and will bring insurance costs down.

Most insurers will ask about any treatment or prescribed medication you have taken within the last two years, or if you have been an in-or outpatient at a hospital, clinic or GP in the same time frame. It means if you had cancer three years ago, for example, but you can answer 'no' to these questions you will not need to declare the cancer and your premium should be much lower.

Cost Was Greater but Reasonable
Many holidaymakers with pre-existing conditions decide to take a gamble and travel without insurance because they feel the premium cost is unaffordable. But this is a high-risk strategy.

John Carpenter was extremely glad he had taken out annual travel insurance when he was forced to cancel a cruise he had booked for his wife Linda's birthday last year, after a lump appeared in his neck and he needed urgent chemotherapy.

John, in his early-60s, had been diagnosed with lymphoma in 2016. At that time doctors advised him to wait and see because his symptoms did not warrant immediate treatment. John and Linda, who love to travel, continued to take many holidays each year - although, due to his cancer, John now took out cover with specialist insurer AllClear, rather than buying cover through his travel agent as he always had done in the past.

“At ?500 for annual worldwide cover my condition did mean a significant increase to the cost of cover," says John. "But I felt it was reasonable considering the cruise I had planned and that it included the US, renowned for its high medical costs."

The couple received a 25% refund on the cost of their ?3,000 holiday from the cruise company and luckily, the terms of AllClear's cover meant that they could reclaim the remainder on their insurance, minus the ?250 excess.

"We were sent an email confirming our claim had been successful within two days," says John, "and the payment was in my bank account within seven days of making the claim.”

John responded well to treatment and has stem cell therapy planned. He has been advised he is well enough to go on holiday before this treatment starts and AllClear has provided a new policy, taking into account his current medical situation. He has taken out a single trip policy for ?200 for a seven-night break to Turkey.
BY JO THORNHILL
Souce Moneywise




Re: TOP 10 SCARY JAPANESE URBAN LEGENDS ตอบกลับ #10 เมื่อ: มีนาคม 29, 2021, 10:16:33 PM
Banking Explained Money and Credit
The international banking system is an enigma. There are more than 30.000 different banks world wide, and they hold unbelievable amounts of assets. The top 10 banks alone account for roughly 25 trillion US-Dollars. Today, banking can seem very complex, but originally, the idea was to make life simpler. 11th century Italy was the centre of European trading. Merchants from all over the continent met to trade their goods, but there was one problem: too many currencies in circulation.

In Pisa, merchants had to deal with seven different types of coins and had to exchange their money constantly. This exchange business, which commonly took place outdoors benches, is where we get the word "bank" from; from the word "banco", Italian for "bench". The dangers of travelling, counterfeit money and the difficulty of getting a loan got people thinking. It was time for a new business model: home brokers started to give credit to businessmen, while genevese merchants developed cashless payments.

Networks of banks spread all over Europe, handing out credit even to the church, or European kings. What about today ? In a nutshell, banks are in the risk management business. This is a simplified version of the way it works. People keep their money in banks and receive a small amout of interest. The bank takes this money, and lends it out at much higher interest rates. It's a calculated risk, because some of the lenders will default on their credit.

This process is essential for our economic system, because it provides ressources for people to buy things like houses, or for industries to expand their businesses and grow. So banks take funds that are unused by savers, and turn them into funds society can use to do stuff. Other sources of income for banks include accepting saving deposits, the credit card business, buying and selling currencies, custodian business and cash management services. The main problem with banks nowadays is, that a lot of them have abandoned their traditional role as providers of long-time financial products, in favour of short-time gains that carry much higher risks.

During the financial boom, most major banks adopted financial constructs that were barely comprehensable and did their own trading in habit to make fast money, and earn their executives and traders millions in bonuses. This was nothing short of gambling and damaged whole economies and societies. Like back in 2008, when banks like Leeman Brothers gave credit to basically anyone who wanted to buy a house, and thereby put the bank in an extremely dangerous risk position. This led to the collapse of the housing market in the US and parts of Europe, causing stock prices to plummet, which eventually led to a global banking crisis, and one of the largest financial crises in history.

Hundreds of billions of dollars just evaporated. Millions of people lost their jobs and lots of money. Most of the world's major banks had to pay billions in fines and bankers became some of the least trusted professionals. The US government and the European Union had to put together huge bailout packages to purchase bad assets and stop the banks from going bankrupt. New regulations were put into force to govern the banking business, compulsary bank emergency funds were enforced to absorb shocks in the event of another financial crisis. But other pieces of tough new legislation were successfully blocked by the banking lobby

Today, other models of providing financing are gaining ground fast. Like new investment banks, that charge a yearly fee and do not get commissions on sales, thus providing the motivation to act in the motivation in the best interests of their clients. or credit unions - cooperative initiatives that were established in the 19th century to circumvent credit sharks. In a nutshell, they provide the same financial services as banks, but focus on shared value rather than profit maximisation. The self proclaimed goal is to help members create opportunities like starting small businesses, expanding farms or building family homes while investing back into communities.

They are controlled by their members, who also elect the board of directors democratically. World wide, credit union systems vary significantly, ranging from a handfull of members to organisations with several billion US-Dollars and hundreds of thousands of members. The focus on benefits for their members impacts the risk credit unions are willing to take, which explains why credit unions, although also hurting, survived the last financial crisis way better than traditional banks. Not to forget the explosion of crowdfunding in recent years. Aside from making awesome video games possible, platforms arosed that enabled people to get loans from large groups of small investors, circumventing the bank as a middle man.

But it also works for industry - lots of new technology companies started out on kickstarter or indiegogo. The funding individual gets the satisfaction of being part of a bigger thing, and can invest in ideas they believe in. While spreading the risk so widely, that, if the project fails, the damage is limited. And last but not least, micro credits. Lots of very small loans, mostly handed out in developping countries that help people escape poverty. People who were previously unable to get access to the money they needed to start a business, because they weren't deemed worth the time.

Nowadays, the granting of micro-credits has evolved into a multi-billion dollar business. So, banking might not be up your street, but the banks' role of providing funds to people and businesses is crucial for our society and has to be done. Who will do it and how it will be done in the future is up for us to decide, though.



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Re: TOP 10 SCARY JAPANESE URBAN LEGENDS ตอบกลับ #11 เมื่อ: มีนาคม 29, 2021, 10:16:57 PM
10 WAYS TO DERAIL AN AI PROGRAM
Despite big investments, many organizations get disappointing results from their AI and analytics efforts. What makes programs go off track? Companies set themselves up to fail when:
1. They lack a clear understanding of advanced analytics, staffing up with data scientists, engineers, and other key players without realizing how advanced and traditional analytics differ.
2. They don’t assess feasibility, business value, and time horizons, and launch pilots without thinking through how to balance short-term wins in the first year with longer-term payoffs.
3. They have no strategy beyond a few use cases, tackling AI in an ad hoc way without considering the bigpicture opportunities and threats AI presents in their industry.
4. They don’t clearly define key roles, because they don’t understand the tapestry of skill sets and tasks that a strong AI program requires.
5. They lack “translators,” or experts who can bridge the business and analytics realms by identifying high-value use cases, communicating business needs to tech experts, and  generating buy-in with business users.
6. They isolate analytics from the business, rigidly centralizing it or locking it in poorly coordinated silos, rather than organizing it in ways that allow analytics and business experts to work closely together.
7. They squander time and money on enterprisewide data cleaning instead of aligning data consolidation and cleanup with their most valuable use cases.
8. They fully build out analytics platforms before identifying business cases, setting up architectures like data lakes without knowing what they’ll be needed for and often integrating platforms with legacy systems unnecessarily.
9. They neglect to quantify analytics’ bottomline impact, lacking a performance management framework with clear metrics for tracking each initiative.
10. They fail to focus on ethical, social, and regulatory implications, leaving themselves vulnerable to potential missteps when it comes to data acquisition and use, algorithmic bias, and other risks, and exposing themselves to social and legal consequences.

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Re: TOP 10 SCARY JAPANESE URBAN LEGENDS ตอบกลับ #12 เมื่อ: กรกฎาคม 22, 2021, 12:06:52 AM
What Is a Structured Settlement Annuity?
A structured annuity settlement is a financial vehicle that includes periodic payments, provided that the plaintiff in a personal injury liability lawsuit replaces a cash payment settlement. This type of financial tool can only be configured with a licensed settlement planner. (Settlement Quotes does not create these insurance products.)

A structured settlement is set up by purchasing an annuity through a life insurance company such as Metlife or Monumental Life Insurance Company. This annuity can be a monthly, semi-annual, annual or lifetime payment from the claimant. These periodic payments are tax-free and are a great source of fixed income for an individual after a personal injury liability case.

selling annuity ᛋᚠᚢᛞ, Structured Settlement Annuity

Many people wonder if they can receive a one-time cash payment after they start receiving their structured settlement annuity payments. The answer is no, you cannot go back to a cash settlement for the total. You do have options however. Settlement Quotes provides services to people in this situation. We will offer you a sum of cash for your structured settlement from other companies.

This is not always the best option for many people. A discount rate will be applied to your structured settlement to calculate your present value of your structured annuity to calculate your cash settlement. Due to the time value of money, you will only receive a partial amount in the lump sum. After a court approval process the lump sum payment will remain tax free.



Quotes Settlement only recommends using this inexpensive option if you have other financial assets that can provide financial support for your family. Many people pay off their debts, send their kids to college, or make a down payment on a house with the money they receive from the factored structured settlement.

There are many benefits to keeping your settlement structured. Quotes Settlement recommends seeking the advice of a financial professional before factoring payments through a structured settlement factoring company. A structured settlement can be used as a source of income when it comes to applying for a loan. This option must be tried first before attempting to receive a one-time payment.



Frequently Asked Questions

Structured Settlement Quotes is dedicated to providing you with the information you need to make an informed decision about the sale of your structured settlement or annuity payments. The following is a list of the most frequently asked questions, followed by detailed answers from our learning center organized by topic:

About Settlement Quotes

What makes Settlement Quotes services unique in the market?

For what types of payments does Structured Settlement Quotes provide price quotes service?

About Selling Your Annual Structured Settlement

What is an annual structured settlement?

Is it legal to sell your structured settlement payments?

What if your structured settlement agreement or annuity policy contains an anti-sale or non-transferable clause?

Can only some of your structured settlement payments be sold or do you have to sell all of them?

What if you have sold some of your structured settlement payments in the past? Can more payments be sold now to registered Certified Structured Settlement Quotes funders?

Do you have to pay taxes on the money received from the sale of your structured settlement payments?

What if you are in bankruptcy and have not yet been discharged?

The sale and transaction with a financier are risk free?

If you are a minor, can you sell your structured settlement payments?

Is It Legally Allowed To Sell Workers' Compensation Payments?

About the Bidding Process

How do you start the bidding process to receive quotes from our certified sponsors?

How long will it be until you receive the quotes?

How many quotes do you receive from Settlement Quotes?

Each of the quotes you receive is a guaranteed offer to buy your structured settlement payments?

Are you obliged to sell if you only request a quote?

How long do you have to accept an offer?

What if you accept an offer and then decide you want to cancel?

When do you find out which certified finance company gave the highest quote?

About the selling process and getting your money

Once you accept an offer, what are the steps to follow to complete the sale transaction and how long does it take to receive payment?

If the sale transaction is not completed for any reason, will you still receive your payments as usual?

About Settlement Quotes

What makes Settlement Quotes services unique in the market?

Settlement Quotes is a market leader in providing the industry for buying and selling structured settlement payments and other annuities in every state.

Settlement Quotes brings together, settlement buyers (Certified funders) to compete for their payments.

If you decide to sell, you have the peace of mind of knowing that the selected Certified Financier is one of the most experienced and respected in the industry to complete the sale and get your money in the shortest time allowed by law.

For what types of payments does Structured Settlement Quotes provide a quote service?

Settlement Quotes provides structured settlement quotes and other insurance annuity payments. Specifically, we can quote the payments you receive:

From an insurance company

As a result of a lawsuit or insurance settlement

Payments of any guarantee or life contingencies

Not as a result of a workers' compensation claim

We DO NOT offer quotes on:

Workers' compensation payments

Payments for a minor

Pensions

Social security payments

TIAA CREF payments

Mortgages

Pre-settlement cases

Settlement of travel expenses

VA disability or pension

Other disability payments

About Selling Your Structured Settlement Annuity

What is a structured settlement annuity?

A structured settlement annuity is a contract issued by an insurance company to finance the payment of personal injury compensation over a period of time. It is sometimes referred to as an insurance allowance.

In the event of your death, your beneficiary is guaranteed a tax-free payment or series of payments over a fixed period of time.

Most structured settlements are the result of a lawsuit, with payments resulting from a legal action.

Is it legal to sell your structured settlement payments?

Yes. You can sell your structured settlement or insurance settlement payments.

Most states have a structured Settlement Protection Act. These laws allow you to sell your payments if the following requirements are met:

Full information should be given on the financial terms of your sale.

You have a "cooling off period" after signing the documents you can change your mind and cancel the sale.

You must be informed in writing to request independent professional advice regarding your sale. In some states, you can choose to waive the tips.

The hearing takes place before a judge who considers your case and decides whether or not to approve the sale. The judge will examine your financial situation, what you want to do with the money, and whether it is in your best interest to sell payments.

The judge must issue a court order approving the sale.

What if your structured settlement agreement or annuity policy contains an anti-sale or non-transferable clause?

An anti-transfer clause or anti-sale language does not prevent you from selling your payments.

Some structured settlement agreements or annuity policies contain anti-sale or non-transfer clauses such as:

"None of the periodic payments can be advanced, deferred, increased or decreased, they cannot be anticipated, sold, assigned or encumbered."

Since you must obtain a court order approving the sale of your payments, a judge will review and evaluate your case.

The judges have the power to approve the sale, even if the no-sell clause appears in the structured settlement agreement or structured settlement annuity policy which tries to prevent you from selling your payments.

Can only some of your structured settlement payments be sold or do you have to sell all of them?

You can sell part or all of your payments.

You can create more than one online file with different payment combinations and get more than one set of price quotes in order to better meet your financial needs.

If you only sell some of your payments, your insurance company will continue to pay the payments you still have on time and in good time.

What if you have sold some of your structured settlement payments in the past? Can more payments be sold now to registered Certified Structured Settlement Quotes funders?

Yes. If you have sold some of your structured settlement payments in the past, you can sell the remaining payments that you are still a beneficiary of.

Do you want to know how much your payments are worth? Get a guaranteed price offer set for your payments in less than 24 hours.

Do you have to pay taxes on the money received from the sale of your structured settlement payments?

The money you receive from the sale of your structured settlement payments will have the same tax treatment as the payments you receive from your structured settlement annuity.

If you receive your payments tax free then the money you receive from the sale of your payments will also be tax free.

In most cases, structured settlement annuity payments are tax-free because your pension was established to qualify for tax-free treatment under section 130 of the Internal Revenue Code.

The US Federal Government has taken several steps to ensure that payments received for personal injury damages are tax-free.

Section 104 (a) (2) of the Internal Revenue Code confirms that damages received from personal injury or illness are not considered income and are not taxable.

In 2002, a federal law was passed to protect beneficiaries in the sale of their structured settlement payments. As a result, Section 5891 was introduced into the Internal Revenue Code.

Section 5891 requires that the sale of structured settlement payments be approved by a court in accordance with applicable state law.

Please note that this information is provided as a courtesy only, and does not constitute legal advice. You should seek legal or professional counsel to deal with your specific circumstances.

What if you are in bankruptcy and have not yet been discharged?

We can quote your payments, even if you are in bankruptcy and have not yet been discharged.

If you are in bankruptcy, you will need to notify us before your case is quoted so that we can speak with your bankruptcy administrator or legal representative to obtain additional information.

Our certified funders reserve the right to deduct a commission for additional work in processing cases that have not yet been discharged from bankruptcy.

The sale and transaction with a financier are risk free?

You do not waive any rights in the sale of a structured settlement until the transaction is completed and you have received the full sale price. Furthermore, your case is protected by the court and a judge's order that forces the financing company to carry out its obligations. You are fully protected.

If you are a minor, can you sell your structured settlement payments?

Settlement Quotes does not offer quotes to underage beneficiaries as they have no legal capacity to sell their payments without the intervention of a litigation or a guardian.

Is It Legally Allowed To Sell Workers' Compensation Payments?

It is not legal for you to sell structured settlement annuities that arise from workers' compensation claims. You must keep the annuity until all payments have been completed.

About the Bidding Process

How do you start the bidding process to receive quotes from our certified sponsors?

To start the bidding process,

1- Go to the form above and enter the amounts of the payments, the date and the insurance company. You can enter as many cases as you like with different payment combinations to get the amount of money that best suits your financial needs.

OR

2- Contact one of our customer service specialists at 1-888-562-1268 and he or she can help you enter the information necessary for our certified financiers to start bidding and competing to buy your payments. Once the offers are received, one of our customer service specialists will contact you to review your case.

How long will it be until you receive the quotes?

We are usually able to get back to you within a few hours (up to a maximum of 24) with the company offering to buy your annuity. You can receive all or some of your quotes, in just 1 hour.

How many quotes do you receive from Settlement Quotes?

We are going to share with you the top quotes we receive from our certified sponsors. The number of citations we receive will depend on the number of certified funding participants at the time your case is entered on the Settlement Quotes website.

Each of the quotes you receive is a guaranteed offer to buy your structured settlement payments?

Yes. The price quotes received are guaranteed offers to purchase your structured settlement payments.

We guarantee:

1- You will get a higher price from each of our Certified Financiers in advance, without problems.

2- You will receive your guaranteed quote quickly --- in less than 24 hours and, often, in the shortest time of 2 hours.

3- Each quote constitutes an offer to purchase your annuity payments that remains open for acceptance for 24 hours after publication in order to provide time to decide. If you do not accept the offer within 24 hours from the date of registration, the offer is frozen and may remain valid or may be revoked or modified at the discretion of the respective certified financier on a case by case basis. It is recommended to contact Settlement Quotes at 1-888-562-1268 to confirm the availability of these types of offers, if the 24-hour period has already expired.

Are you obliged to sell if you only request a quote?

No. There is no obligation to accept an offer to purchase. You may decide that you do not want to sell your annuity in which case we will close the file until further notice from you.

How long do you have to accept an offer?

Each offer provided by our certified partners is open for acceptance for a period of 24 hours after publication. To accept, simply contact us by phone at 1-888-562-1268 and notify one of our customer service specialists that you accept the offer and wish to continue your sale.

What if you accept an offer and then decide you want to cancel?

You should not indicate acceptance of the offer until you are sure you want to proceed with the sale. However, even if you accept and receive sales documents, there is usually a "cool down" in which you can change your mind and cancel the transaction. The reflection time period is clearly stated either in the sales compliance certificate or in the Assignment Agreement that you receive as part of the sales documentation.

When do you find out which certified finance company gave the highest quote?

You will be notified by email or phone of the successful Certified Funder immediately upon acceptance of an offer to purchase. You can rest assured that each Funding Entity is examined by Settlement Quotes and certified to be reliable, trustworthy and competent to complete your transfer and get your money in the shortest time allowed by law.

About the selling process and getting your money

Once you accept an offer, what are the steps to follow to complete the sale operation and how long does it take to receive payment

At Settlement Quotes we understand that your financial goals depend on completing your sales transaction and getting paid in the shortest time allowed by law.

Once you have accepted an offer and confirm that you wish to proceed with the sale to the winning Certified Funder, the sale process immediately begins as follows:

1- First call at 2 hours. You will receive a call from a customer service expert on behalf of the certified finance company within 2 hours of acceptance. At that time, our expert will inform you that Financial Certificated was the successful bidder and will provide you with the contact information.

2- Legal documents in 24 hours. You will receive the legal documents from the Certified Financier within 24 hours. A Notary Public will wait for you at your home or other convenient location to review the sale documents with you, answer any questions you may have, and sign the sale.

3- Process in court within 30 days. Our Certified Financier will complete the court process as soon as legally permitted. This could take about 30 days, depending on the state.

4- Immediate access to your money. You will get your money directly by bank transfer into an account of your choice immediately after completing the legal process.

5- The expected time from price quotation to financing and the entire transfer process can take about 6 weeks, depending on the state in which you reside.

If the sale transaction is not completed for any reason, will you still receive your payments as usual?

Our certified funder will process the sale transaction of your structured settlement, at no cost to you.

In the unlikely event that your sale is not completed for any reason:

1- Neither Settlement Quotes nor the corresponding certified funder will charge you any fees or penalties. This promise will be recorded in writing in the sales documentation that you receive.

2- You will have the right to receive all the payments of the annuity that you had agreed to sell as they mature.

3- Your insurance company will continue to pay all future payments as if it had never entered into a sales transaction.

You will have no future obligation to Settlement Quotes or the applicable certified funder.

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