เนื้อเพลงสากล : Wild Woman - Michael Learns To Rock
Can I act like an angel
if I live like a jerk
Can I keep on disguising
Can I make believe
that I don’t deceive
No..no..no
Chorus:
Send the wild women out the backdoor
My wife is knocking at the frontdoor
They made me a winner they made me a sinner
I don’t know what to do
Dirty money in the left hand
While the preacher’s shaking my right hand
They made me a winner they made me a sinner
I don’t know what to do
When I’m riding on top of
the wave of success
Will I lose my devotion
Will I fail to see
what I used to be
oh..oh..oh
Chorus:
Send the wild women out the backdoor
My wife is knocking at the frontdoor...
I’ll have to carry on
as two persons in one........
Two persons in one.....
I see you movin around in the light
Been watching you for a while
I don’t know what’s inside of your mind
But it’s lightning when I look in your eyes
I never trusted in miracles
I never looked in the stars
But when I see an angel on earth
That makes my heart sing
I believe in anything
Cos there’s magic in the way you walk
Something special in the way you talk
This is real this is true
I’ve got the faith in you
Chorus:
La la la la...la la la
Every little thing you do
Becomes magic
You gotta stop this feeling of burning desire
From slowly driving me mad
So bring me in from the cold with your love
I’m never gonna stop
I’m never gonna give you up
Cos there’s magic in the way you walk
Something special in the way you talk
This is real this is true
I’ve got the faith in you
Chorus:
La la la la...la la la
Every little thing you do
Becomes magic
เนื้อเพลงสากล : Complicated Heart - Michael Learns To Rock
Don't know what to say now don't know where to start I don't know how to handle a complicated heart You tell me you are leaving but I just have to say before you throw it all away
Chorus: Even if you want to go alone I will be waiting when you're coming home And if you need someone to ease the pain you can lean on me, my love will still remain
Don't know what you're thinking to me it seems quite tough to hold a conversation when words are not enough so this is your decision and there's nothing I can do I can only say to you
Chorus~
if this is your decision and theres nothing i can do i can only say to you
Chorus~
even if you want to go alone i will still love you when tomorrow comes Chorus:-
เนื้อเพลงสากล : 25 Minutes - Michael Learns To Rock
After some time I’ve finally made up my mind She is the girl and I really want to make her mine I’m searching everywhere to find her again To tell her I love her And I’m sorry ’bout the things I’ve done
I find her standing in front of the church The only place in town where I didn’t search She looks so happy in her wedding dress But she’s crying while she’s saying this
Chorus: Boy I missed your kisses all the time but this is Twenty five minutes too late Though you travelled so far boy I’m sorry you are Twenty five minutes too late
Against the wind I’m going home again Wishing be back to the time when we were more than Friends
Still I see her in front of the church The only place in town where I didn’t search She looks so happy in her wedding dress But she’s cried while she’s saying this
Chorus
Out in the streets Places where hungry hearts have nothing to eat Inside my head Still I can hear the words she said
They told him don't you ever come around here Don't wanna see your face, you better disappear The fire's in their eyes and their words are really clear So beat it, just beat it
You better run, you better do what you can Don't wanna see no blood, don't be a macho man You wanna be tough, better do what you can So beat it, but you wanna be bad
Just beat it, beat it, beat it, beat it No one wants to be defeated Showin' how funky and strong is your fight It doesn't matter who's wrong or right Just beat it, beat it Just beat it, beat it Just beat it, beat it Just beat it, beat it
They're out to get you, better leave while you can Don't wanna be a boy, you wanna be a man You wanna stay alive, better do what you can So beat it, just beat it
You have to show them that you're really not scared You're playin' with your life, this ain't no truth or dare They'll kick you, then they beat you, Then they'll tell you it's fair So beat it, but you wanna be bad
Just beat it, beat it, beat it, beat it No one wants to be defeated Showin' how funky and strong is your fight It doesn't matter who's wrong or right
Just beat it, beat it, beat it, beat it No one wants to be defeated Showin' how funky and strong is your fight It doesn't matter who's wrong or right
Just beat it, beat it, beat it, beat it No one wants to be defeated Showin' how funky and strong is your fight It doesn't matter who's wrong or right Just beat it, beat it Beat it, beat it, beat it
Beat it, beat it, beat it, beat it No one wants to be defeated Showin' how funky and strong is your fight It doesn't matter who's wrong or who's right
Just beat it, beat it, beat it, beat it No one wants to be defeated Showin' how funky and strong is your fight It doesn't matter who's wrong or right
Just beat it, beat it, beat it, beat it No one wants to be defeated Showin' how funky and strong is your fight It doesn't matter who's wrong or right Just beat it, beat it Beat it, beat it, beat it
Beat it, beat it, beat it, beat it No one wants to be defeated Showin' how funky and strong is your fight It doesn't matter who's wrong or who's right
Just beat it, beat it, beat it, beat it No one wants to be defeated Showin' how funky and strong is your fight It doesn't matter who's wrong or right
Just beat it, beat it, beat it, beat it No one wants to be defeated Showin' how funky and strong is your fight It doesn't matter who's wrong or right
Just beat it, beat it, beat it, beat it No one wants to be defeated Just beat it, beat it Beat it, beat it, beat it
Another summer day
Has come and gone away
In Paris and Rome
But I wanna go home
Mmmmmmmm
May be surrounded by
A million people I
Still feel all alone
I just wanna go home
Oh, I miss you, you know
And I’ve been keeping all the letters that I wrote to you
Each one a line or two
“I’m fine baby, how are you?”
Well I would send them but I know that it’s just not enough
My words were cold and flat
And you deserve more than that
Another aeroplane
Another sunny place
I’m lucky, I know
But I wanna go home
Mmmm, I’ve got to go home
Let me go home
I’m just too far from where you are
I wanna come home
And I feel just like I’m living someone else’s life
It’s like I just stepped outside
When everything was going right
And I know just why you could not
Come along with me
'Cause this was not your dream
But you always believed in me
Another winter day has come
And gone away
In even Paris and Rome
And I wanna go home
Let me go home
And I’m surrounded by
A million people I
Still feel all alone
Oh, let me go home
Oh, I miss you, you know
Let me go home
I’ve had my run Baby, I’m done
I gotta go home
Let me go home
It will all be all right
I’ll be home tonight
I’m coming back home
เนื้อเพลงสากล : For Whom the Bell Tolls (Live) - Metallicaล
Make his fight on the hill in the early day Constant chill deep inside Shouting gun, on they run through the endless gray On they fight, for they are right, yes, but who's to say? For a hill, men would kill. Why? They do not know Stiffend wounds test their pride Men of five, still alive through the raging glow Gone insane from the pain that they surely know
For whom the bell tolls Time marches on For whom the bell tolls
Take a look to the sky just before you die It's the last time you will Blackened roar, massive roar, fills the crumbling sky Shattered goal fills his soul with a ruthless cry Stranger now are his eyes to this mystery He hears the silence so loud Crack of dawn, all is gone except the will to be Now they see what will be, blinded eyes to see
For whom the bell tolls Time marches on For whom the bell tolls
You left me hanging from a thread we once swung from together I’ve lick my wounds but I can’t ever see them getting better Something’s gotta change Things cannot stay the same
Her hair was pressed against her face, her eyes were red with anger Enraged by things unsaid and empty beds and bad behavior Something’s gotta change It must be rearranged, oh
I’m sorry, I did not mean to hurt my little girl It's beyond me, I cannot carry the weight of the heavy world So goodnight, goodnight, goodnight, goodnight Goodnight, goodnight, goodnight, goodnight Goodnight, hope that things work out all right, yeah Whoa
The room was silent as we all tried so hard to remember The way it feels to be alive The day that he first met her Something’s gotta change Things cannot stay the same
You make me think of someone wonderful, but I can’t place her
I wake up every morning wishing one more time to face her Something’s gotta change It must be rearranged, oh
I’m sorry, I did not mean to hurt my little girl It's beyond me, I cannot carry the weight of a heavy world So goodnight, goodnight, goodnight, goodnight Goodnight, goodnight, goodnight, goodnight Goodnight, hope that things work out all right
So much to love So much to learn But I won’t be there to teach you, oh I know I can be close But I try my best to reach you
I’m so sorry, I did not mean to hurt my little girl It's beyond me, I cannot carry the weight of a heavy world So goodnight, goodnight, goodnight, goodnight Goodnight, goodnight, goodnight, goodnight Goodnight, goodnight, goodnight, goodnight Goodnight, hope that things work out all right, yeah Whoa, oh… Yeah
เนื้อเพลงสากล : I WANT TO DISAPPEAR - Marilyn Manson
Look at me now I've got no religion Look at me now I'm so vacant Look at me now I was a virgin Look at me now Grew up to be a whore And I want it I believe it I'm a million different things And not a one you know Hey, and our mommies are lost now Hey, daddy's someone else Hey, and we love the abuse Because it makes us feel like we are needed now But I know I wanna disappear I wanna die young And Sell my soul Use up all your drugs And make me come Yesterday man, I was a nihilist and Now today I'm Just too fucking bored And I want it I believe it By the time I'm old enough I won't know anything at all Hey, and our mommies are lost now Hey, daddy's someone else Hey, and we love the abuse Because it makes us feel like we are needed now But I know I wanna disappear
เนื้อเพลงสากล : Anytime You Need A Friend - Mariah Carey
If you're lonely And need a friend And troubles seem like They never end Just remember to keep the faith And love will be there to light the way
Anytime you need a friend I will be here You'll never be alone again So don't you fear Even if you're miles away I'm by your side So don't you ever be lonely Love will make it alright
When the shadows are closing in And your spirit diminishing Just remember you're not alone And love will be there To guide you home
Anytime you need a friend I will be here You'll never be alone again So don't you fear Even if you're miles away I'm by your side So don't you ever be lonely Love will make it alright
If you just believe in me I will love you endlessly Take my hand Take me into your heart I'll be there forever baby I won't let go I'll never let go
Anytime you need a friend I will be here You'll never be alone again So don't you fear Even if you're miles away I'm by your side So don't you ever be lonely It's alright It's alright
เนื้อเพลงสากล : Little Baby Nothing - Manic Street Preachers
No one likes looking at you Your lack of ego offends male mentality They need your innocence To steal vacant love and to destroy Your beauty and virginity used like toys
My mind is dead, everybody loves me Wants a slice of me Hopelessly passive and compatible Need to belong, oh the roads are scarey So hold me in your arms I wanna be your only possession
Used, used, used by men
All they leave behind is money Paper made out of broken twisted trees Your pretty face offends Because it's something real that I can't touch Eyes, skin, bone, contour, language as a flower
No god reached me, faded films and loving books Black and white TV All the world does not exist for me And if I'm starving, you can feed me lollipops Your diet will crush me My life just an old man's memory
Little baby nothing Loveless slavery, lips kissing empty Dress your life in loathing Breaking your mind with Barbie Doll futility
Little baby nothing Sexually free, made-up to breakup Assassinated beauty Moths broken up, quenched at last The vermin allowed a thought to pass them by
You are pure, you are snow We are the useless sluts that they mould Rock 'n' roll is our epiphany Culture, alienation, boredom and despair
You are pure, you are snow We are the useless sluts that they mould Rock 'n' roll is our epiphany Culture, alienation, boredom and despair
I don’t, don’t care if it’s not right To have your arms around me I want, to feel what it’s like Take all of you inside of me
Chorus: In your eyes (in your eyes) Forbidden Love In your smile (in your smile) Forbidden Love In your kiss (in your kiss), Forbidden Love If I had one wish, Love would feel like this (Love would feel like this)
I know, that you’re no good for me That’s why I feel I must confess What’s wrong, is why it feels so right I want to feel your sweet caress
(Chorus)
If I only had one wish, Love would always feel like this Wishin’ on the stars above, Forbidden Love
If I only had one dream, This would be more than it seems. Forbidden Love (forbidden Love)
Rejection, is the greatest aphrodisiac (whispered)
(Chorus)x2
Love should always feel like this Heaven forgive me, never forbid me Love should always feel like this
I wish that I was her and I wish that she was me You gotta let her go, and I know that you agree 'Cause how could this ever start? If you're afraid to break her heart? You say you love me so You have to let her know
Chorus All that she wants is you All that she sees is you All that you gotta do Is to set her free That's what That's what What you do about me
Love's not an easy thing Always somebody gets hurt I know you were meant for me, even though she saw you first But deal with her honestly I won't let you cheat with me I bet you never knew What you've got yourself into
Chorus
We could beautiful We could be so special We could be wonderful
All that I want is you All that I see is you All that you gotta do Is to set her free That's what That's what What you do about me
I lie awake at night See things in black and white I've only got you inside my mind You know you have made me blind
I lie awake and pray That you will look my way I have all this longing in my heart I knew it right from the start
Oh my pretty pretty boy I love you Like I never ever loved no one before you Pretty pretty boy of mine Just tell me you love me too Oh my pretty pretty boy I need you Oh my pretty pretty boy I do Let me inside Make me stay right beside you
I used to write your name And put it in a frame And sometime I think I hear you call Right from my bedroom wall
You stay a little while And touch me with your smile And what can I say to make you mine To reach out for you in time
Oh my pretty pretty boy I love you Like I never ever loved no one before you Pretty pretty boy of mine Just tell me you love me too Oh my pretty pretty boy I need you Oh my pretty pretty boy I do Let me inside Make me stay right beside you
[BRIDGE] Oh pretty boy Say you love me too
Oh my pretty pretty boy I love you Like I never ever loved no one before you Pretty pretty boy of mine Just tell me you love me too Oh my pretty pretty boy I need you Oh my pretty pretty boy I do Let me inside Make me stay right beside you
Memories consume Like opening the wound I'm picking me apart again You all assume I'm safe here in my room Unless I try to start again
[Bridge:] I don't want to be the one The battles always choose 'Cause inside I realize That I'm the one confused
[Chorus:] I don't know what's worth fighting for Or why I have to scream I don't know why I instigate And say what I don't mean I don't know how I got this way I know it's not alright So I'm breaking the habit I'm breaking the habit Tonight
Clutching my cure I tightly lock the door I try to catch my breath again I hurt much more Than anytime before I had no options left again
[Bridge:] I don't want to be the one The battles always choose 'Cause inside I realize That I'm the one confused
[Chorus:] I don't know what's worth fighting for Or why I have to scream I don't know why I instigate And say what I don't mean I don't know how I got this way I'll never be alright So, I'm breaking the habit I'm breaking the habit Tonight
[Bridge:] I'll paint it on the walls 'Cause I'm the one at fault I'll never fight again And this is how it ends
[Chorus:] I don't know what's worth fighting for Or why I have to scream But now I have some clarity to show you what I mean I don't know how I got this way I'll never be alright So, I'm breaking the habit I'm breaking the habit I’m breaking the habit Tonight พืชผัก พืชสมุนไพร
I close both locks below the window I close both blinds and turn away Sometimes solutions aren't so simple Sometimes goodbye's the only way
And the sun will set for you The sun will set for you And the shadow of the day Will embrace the world in grey And the sun will set for you Pink cards and flowers on your window Your friends all plead for you to stay Sometimes beginnings aren't so simple Sometimes goodbye's the only way
And the sun will set for you The sun will set for you And the shadow of the day Will embrace the world in grey And the sun will set for you
And the shadow of the day Will embrace the world in grey And the sun will set for you
And the shadow of the day Will embrace the world in grey And the sun will set for you
There are just too many times that people have tried to look inside of me Wondering what I think of you when I protect you out of courtesy Too many times that I’ve held on when I needed to push away Afraid to say what was on my mind afraid to say what I need to say Too many things that you said about me when I’m not around You think having the upper hand means you gotta keep putting me down But I’ve had too many standoffs with you it’s about as much as I can stand So I’m waiting until the upper hand is mine
(One minute you're on top) The next you're not Watch it drop (Making your heart stop) Just before you hit the floor (One minute you're on top) The next you're not Missed your shot (Making your heart stop) You think you won
And then its all gone
So many people like me put so much trust in all your lies So concerned with what you think to just say what we feel inside So many people like me walk on eggshells all day long All I know is that all I want is to feel like I’m not stepped on There are so many things you say that make me feel you crossed the line What goes up will surely fall and I’m counting down the time Cause I’ve had so many standoffs with you it’s about as much as I can stand So I’m waiting until the upper hand is mine
(One minute you're on top) Next you're not Watch you drop (Making your heart stop) Just before you hit the floor (One minute you're on top) Next you're not missed your shot (Making you're heart stop) You think you've won (And then it's all gone) (And then he’s all gone) (And then it's all gone) (And then he’s all gone) Now it’s all gone
I know I’ll never trust a single thing you say You knew your lies would divide us but you lied anyway And all the lies have got you floating up above us all But what goes up has got to fall
(One minute you're on top) Next you're not watch you drop (Making your heart stop) Just before you hit the floor (One minute you're on top) Next you're not missed a shot (Making you're heart stop) You think you've won (And then it's all gone) (And then he’s all gone) (And then it's all gone) (And then he’s all gone) Now it’s all gone
Structured settlements are offered for a variety of reasons. It is possible for recipients of a structured settlement to trade them for cash flow so as to meet any immediate liquidity requirements such as debts or medical expenses.
An analysis of one's needs with the help of financial experts usually provides insight into the amount of cash flow necessary. The cash flow for a structured settlement depends upon various factors such as the total settlement amount and the financial rating of the insurance company. Also, buyers may have terms and conditions that restrict certain categories of structured settlement beneficiaries, such as minors, from selling the settlements for a lump sum.
Future structured settlements can be sold for lump sum payments without tax liabilities to either the buyer or the seller. Financial institutions that buy structured settlements in return for cash flow can be found on the internet. These companies offer free quotes that are useful in comparing the net lump sum. Information required to obtain free quotes includes the name of the insurance company, state of residence, and the amount of structured settlement. One should also go through the FAQ section of these sites and get an idea of the issues commonly faced by those who wish for a cash flow in exchange of a structured settlement. Settlement companies offer various plans. One should look for a plan that offers the best value for the sale of structured settlement.
Documents required for negotiating the contract include copies of the settlement and the policy. Before the contract is signed, the buyer sends a disclosure statement to the seller which mentions the lump sum and the deductibles. The seller can avail the cash flow only after a court approves the sale of the structured settlement and considers the sale to be in the best interests of the seller and his dependents. The entire process including the court hearing can take up to sixty days.
One should check the credentials of the buyer with respect to his payment records, fair-dealing, and relationship with the insurance companies. The last mentioned is very important as buyers with smooth working relationship with the insurance companies can help one to get cash quickly. Of course, the bottom line is the cash flow offered in exchange of the structured settlements. This depends on the rate of interests charged by the various buyers.
From: New York attorney Gary E. Rosenberg (personal injury and accident lawyer)
Structured settlements are lawsuit settlements - usually from personal injury or accident cases - paid out over a time period of months or years. "Structure" refers to how the payments are made. There is infinite flexibility in making a payment schedule for a structured settlement.
The purpose of a structured settlement is to protect the accident victim from him or herself; most average people, especially after being seriously hurt or injured in an accident, might not be able to preserve a large monetary recovery that might have to last them a lifetime. So, for the benefit of such persons and their family or dependents, and to ensure their long-term financial security, money may be paid out to them over time.
Now come along outside companies that offer a lump sum of cash to persons receiving payments pursuant to a structured settlement. We've all seen the television commercials: "It's your money and you should have it now." These companies buy the right to the accident victim's future payments with a single, discounted, lump sum payment.
New York State acted to protect accident victims from these slick marketers, by making a law (statute) known as the "Structured Settlement Protection Act." This law says that to sell a structured settlement, the person receiving the payments needs the permission of a judge. Most important under the Structured Settlement Protection Act is whether the transaction, including the discount rate and the amount of fees and expenses, is fair and reasonable and whether the transaction is in the best interest of the payee.
There are not a lot of cases under this law because judges make sure the sale is fair to the accident victim, so many of the companies that buy structured settlement can't rip people off, so why bother? But once in a while they do legitimately go through the court process, which brings me to today's subject, a case decision just out of the Bronx, written by Justice Alexander W. Hunter, Jr., entitled Matter of Medina.
A company named Structured Asset Funding, LLC asks Justice Hunter to allow it to buy Ms. Medina's future payments due to her under a structured settlement. This case tells us little about Ms. Medina's accident or how she came to get the money, but we are told that she has been getting payments on and off since 1993 and most recently received an annual (yearly) payment of $16,900 on June 5, 2008. We are also told that she will get one payment of $55,000 on June 5, 2012 and one payment of $87,500 on June 5, 2017. It is the first of these two future payments ($55,000) that Ms. Medina is trying to sell. Now Dear Readers, please pay attention to the math because we are facing a concept known in economist-speak as "the Time Value of Money."
Put simply, a dollar today is worth more than a dollar tomorrow. So Structured Asset Funding, LLC tells Justice Hunter that Ms. Medina's future payment of $55,000 is worth, today, $47,296.71. And Structured Asset Funding LLC wants to buy Ms. Medina's $55,000 future payment (that today is worth $47,296.71) for $31,500. While the judge believes that the amount that Structured Asset Funding LLC wants to pay to Ms. Medina is fair, he blocks the sale of this payment finding that he cannot "state with any certainty whether or not the transaction is in the best interest of the payee."
Why? Because Ms. Medina wants to use the money to move and buy furniture, but does not indicate if she can afford to keep paying her rent wherever she's going.
I'll let Justice Hunter's words speak:
"Ms. Medina states in her affidavit that she seeks to transfer to the payor, the lump sum payment of $55,000 that is payable to her on June 5, 2012. In her affidavit in support of the petition, Ms. Medina states that she is twenty (20) years old, she is unmarried and has two (2) dependents one is four (4) years old and the other is three (3) months old. Ms. Medina states that she intends to use the money that she receives from the transfer to find a place of her own as she and her children are currently living at her aunt's house and she wishes to relieve her aunt of the burden. She also plans to use some of the proceeds to purchase furniture for herself and her children and to pay for the living expenses of her children.
However, Ms. Medina does not indicate whether or not she is employed or otherwise receives a monthly income in order to enable her to pay her monthly rent, utilities and other household expenses. Moreover, she does not indicate how long she intends to live off of the $31,500 she will be receiving from said transfer. She also recently received an annual payment of $16,900 on June 5, 2008 that could have been applied toward relocating to a place of her own.
Accordingly, the application for the transfer of the structured settlement payment is denied without prejudice and with leave to renew upon submission of a more detailed affidavit from Ms. Medina with respect to her monthly household income and the amount of rent she intends to pay on a monthly basis in order for this court to determine whether or not the transfer is in the best interest of the payee taking into account the welfare and support of her dependents."
Comment: So Justice Hunter is protecting Ms. Medina and her two children by preventing the sale of her future $55,000 lump sum payment, inviting her to come back to court and tell him more to convince him to change his mind.
Sometimes when a plaintiff settles a case for a large sum of money, the defendant, the plaintiff's attorney, or a financial planner consulted in association with the settlement, will propose paying the settlement in installments over time rather than in a single lump sum. When a settlement is paid in this manner it is called a "structured settlement". Often the structured settlement will be created through the purchase of one or more annuities, which guarantee the future payments.
A structured settlement can provide for payment in pretty much any schedule the parties choose. For example, the settlement may be paid in annual installments over a number of years, or it may be paid in periodic lump sums every few years.
Potential Disadvantages of Structured Settlements
Some people who enter into structured settlements feel trapped by the periodic payments. They may wish to purchase a new home, or other expensive item, yet be unable to muster the resources because they can't borrow against future payments under their settlement.
Some people will do better by accepting a lump sum settlement, and investing it themselves. Many standard investments will give a greater long-term return than the annuities used in structured settlements.
Selling a Structured Settlement
If you have a structured settlement, you may have been approached by a company interested in purchasing your settlement, or may be curious about selling your settlement in return for a lump sum buyout. About two thirds of states have enacted laws which restict the sale of structured settlements, and tax-free structured settlements are also subject to federal restrictions on their sale to a third party. Also, some insurance companies will not assign or transfer annuities to third parties, to discourage the sale of structured settlements. As a consequence, depending upon where you live and the terms of your annuities, it may not be possible for you to sell your settlement.
Keep in mind that companies which buy structured settlements intend to profit from their purchase, and sometimes their offers may seem quite low. You may benefit from approaching more than one company in relation to the sale of your settlement, to make sure that you obtain the highest payoff. You also want to be sure that the company which wants to buy your settlement is established, well-funded, and reputable - you don't want a fly-by-night outfit to obtain the rights to your annuities but to disappear or go bankrupt before paying you the buyout money. You may have to go to court to get a judge to approve the buyout. It is usually a good idea to consult with a lawyer before entering into an agreement to sell your settlement.
Special Considerations
Any person entering into a structured settlement should be on guard for potential exploitation in relation to the settlement:
Excessive Commissions - Annuities can be highly profitable for insurance companies, and they often carry very large commissions. It is important to ensure that the commissions charged in setting up a structured settlement don't consume an inappropriate percentage of its principal.
Overstated Value - Sometimes, after negotiating a particular settlement figure, the defense will overstate the value of a structured settlement. As a result the plaintiff, in accepting the settlement, in fact obtains a significantly lower dollar value than was agreed upon. Some defendants have nominally paid the full amount of the settlement, knowing that they would later obtain significant rebates from the annuity companies they used. Plaintiffs should consider compariing the fees and commissions charged for similar settlement packages by a variety of insurance companies, to make sure that they are in fact getting full value. A plaintiff may wish to make it a condition of the settlement that the defendant will actually pay the full value of the settlement in setting up the structured settlement, and that any rebates received by the defendant for annuities included in the settlement be payable to the plaintiff.
Self-Dealing - There have been cases where the plaintiff's lawyer is also in the insurance business, and sets up a structured settlement on behalf of a client without disclosing that the attorney is purchasing the annuities from his own business, or is pocketing a large commission on the annuities. Similarly, there have been situations where the plaintiff's attorney has referred the client to a particular financial planner to set up a structured settlement, without disclosing that the financial planner will be paying the attorney a referral fee in relation to the client's account. Make sure that you know what financial interest, if any, your lawyer has in relation to any financial services sold or recommended by the lawyer.
Life Expectancy - It is unfortunate, but many people who receive large personal injury or workers' compensation settlements will have a shortened life expectancy as a result of their injuries. It is important to consider life expectancy in association with any structured settlement, and to consider whether it is appropriate to enter into an annuity where payments will cease upon death. Sometimes it will make sense to insist upon an annuity that pays a minimum number of payments, or one that will pay a balance into the plaintiff's estate, such that the value of the settlement is not lost to an insurance company upon the plaintiff's untimely death.
Using Multiple Insurance Companies - For larger settlements, it often makes sense to purchase annuities for a structured settlement from several different companies, dividing the settlement between those companies. This can provide you with protection in the event that a company that issued annuities for your settlement package goes into bankruptcy - even in the event that one of the companies defaults in part or in full on your settlement payments, you would still receive full payment from the other companies.
Structured settlement is a contract that is applicable in case a personal injury is caused to someone due to negligence. In this case the defendant buys an annuity from a Life Insurance Company and promises to pay the injured party through a series of installments. These settlements have become immensely popular as all involved parties stand benefited. Structured settlements started in the US and Canada during the 70s and became a substitute for lump sum settlements.
Some benefits of structured settlement are that it provides financial security to a person because with the structured settlements, there is no risk of managing large amount of money and there is no chance that a person can exhaust all his funds as he will get only periodic payments. Cash for structured settlement is also exempt from federal income tax under the present tax law which is an added benefit. Not only this, structured settlement payments can be designed in a way that payments can be made over an extended period of time and if the recipient dies, his or her beneficiary gets a guaranteed portion of the settlement.
A person can also choose selling structured settlement and get immediate cash too. The need for cash can arise anytime and a person entitled to cash from structured settlements might need immediate cash for paying off any debts or loans, medical care or simply need money to buy something like a new house or car, for starting one's own business and so on.
In case a person does not want structured settlement payments and decides selling structured settlements, there are several insurance companies and others who can assist him by providing him cash for structured settlement. The party interested to buy structured settlements makes lump sum payments to the person selling structured settlements and deducts the interest and expenses for charges incurred.
There are very many companies who will buy structured settlements. In order to be in touch with such companies, you should be able to know which ones are genuine and which ones are scams.
Due to the rise in the level of con artists, care should be taken when choosing a company which will buy structured settlements.
Just like any other business, research is the key in finding out what you need to be done in order to have your structured settlements bought. The first step would be to find out how many companies buy structured settlements.
The number of companies that you find that are able to do this kind of business will determine the options that you have.
The more companies that are there, the higher the chances of you getting a very good deal on these settlements.
Once you have found out which companies are in this business, it will be up to you to know which ones are genuine and which ones are not.
You can research this through their websites. The best option however would be to go physically to their offices and make general inquiries.
From the information that you get you will be able to determine if they are genuine or not.
You can make inquiries around to find out how long they have been in business. The longer they have been working, the higher the chance of them being genuine.
Another key aspect that one should be seriously considering is what percentage of their clients has had issues with them in the past.
If the percentage of disgruntled clients is high, then it would be advisable to avoid that particular company.
Before making a decision, analyze all the data that you have compiled from each company. This will help you to know which the best is and which company offers a great price.
Having done all this, you will now be able to get a very good deal on your structured settlement. Following these procedures will help you get a very good company that will be able to buy structured settlements from you.
If you fall into any difficulties, try consulting with a financial advisor because they will be able to help you in this field.
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I wanna run away Never say goodbye I wanna know the truth Instead of wondering why I wanna know the answers No more lies I wanna shut the door And open up my mind
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