Dec 28, 2009

ฟังเพลงสากล : Judgement Day - Michael Learns To Rock


เนื้อเพลงสากล : Judgement Day - Michael Learns To Rock

We died in pain we are the saints
and we've come down to Earth
We are taking over now
We'll be ruling the world


The rich and poor in peace and war
no matter good or bad
You should all be shaking now
There is no running away
this is the Judgement day


You have had a million years
You have made a billion tears
Heaven will make it tough
Heaven's had enough


Chorus:
Oh no dear Lord
please let us live just a little bit longer
Oh no dear Lord
just give us one more day


We died in pain we are the saints
now we'll make it rain
We'll make the seccond flood
There is no sailing away
this is the Judgement day


You have had a million years
You have made a billion tears
Heaven will make it tough
Heaven's had enough


Chorus:
Oh no dear Lord
please let us live just a little bit longer
Oh no dear Lord
just give us one more day

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Dec 27, 2009

ฟังเพลงสากล : Wild Woman - Michael Learns To Rock



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.....

Yeah, Yeah, Yeah, Yeah...
Two persons in one.....

Aiyi Aiyi Ai

Chorus:
Wild Women out the backdoor



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ฟังเพลงสากล : Wild Woman - Michael Learns To Rock

พืชผัก พืชสมุนไพร

Dec 23, 2009

ฟังเพลงสากล : Magic - Michael Learns To Rock



เนื้อเพลงสากล : Magic - Michael Learns To Rock

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

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ฟังเพลงสากล : Complicated Heart - Michael Learns To Rock



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:-

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Dec 20, 2009

ฟังเพลงสากล : 25 Minutes - Michael Learns To Rock



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

I can still hear what she said

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ฟังเพลงสากล : Beat It - Michael Jackson



เนื้อเพลงสากล : Beat It - Michael Jackson

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

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Dec 16, 2009

ฟังเพลงสากล : Home - Michael Buble



เนื้อเพลงสากล : Home - Michael Buble

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

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ฟังเพลงสากล : For Whom the Bell Tolls (Live) - Metallica

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

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Dec 11, 2009

ฟังเพลงสากล : Goodnight Goodnight - Maroon 5



เนื้อเพลงสากล : Goodnight Goodnight - Maroon 5

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

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Dec 9, 2009

ฟังเพลงสากล : I WANT TO DISAPPEAR - Marilyn Manson



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

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ฟังเพลงสากล : Anytime You Need A Friend - Mariah Carey



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

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ฟังเพลงสากล : Little Baby Nothing - Manic Street Preachers



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

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Dec 8, 2009

ฟังเพลงสากล : Forbidden Love - Madonna



เนื้อเพลงสากล : Forbidden Love - Madonna

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

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Dec 7, 2009

ฟังเพลงสากล : What You Do About Me - M2M



เนื้อเพลงสากล : What You Do About Me - M2M

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

Chorus 2x

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ฟังเพลงสากล : Pretty Boy - M2M



เนื้อเพลงสากล : Pretty Boy - M2M

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

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Dec 6, 2009

ฟังเพลงสากล : Breaking the habbit - Linkin park



เนื้อเพลงสากล : Breaking the habbit - Linkin park

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

ฟังเพลงสากล : 1stp Klosr - the humble brothers featuring jonathan dav - Linkinpark



เนื้อเพลงสากล : 1stp Klosr - the humble brothers featuring jonathan dav - Linkinpark

Dec 5, 2009

ฟังเพลงสากล : Shadow Of The Day - Linkin Park



เนื้อเพลงสากล : Shadow Of The Day - Linkin Park

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

Dec 4, 2009

ฟังเพลงสากล : Hit The Floor - Linkin Park



เนื้อเพลงสากล : Hit The Floor - Linkin Park

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

ฟังเพลงสากล : Let's Pretend - Linkin Park

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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.

Structured Settlements; Beware the Vultures

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.

Structured Settlements - Get your Cash Now!

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.

Additional Resources

Structured Settlements: Get Immediate Cash

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.

How To Buy Structured Settlements

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.

Dec 1, 2009

ฟังเพลงสากล : Runaway - Linkin Park



เนื้อเพลงสากล : Runaway - Linkin Park

Graffiti decorations
Under a sky of dust
A constant wave of tension
On top of broken trust
The lessons that you taught me
I learn were never true
Now I find myself in question
(They point the finger at me again)
Guilty by association
(You point the finger at me again)

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

Paper bags and angry voices
Under a sky of dust
Another wave of tension
Has more than filled me up
All my talk of taking action
These words were never true
Now I find myself in question
(They point the finger at me again)
Guilty by association
(You point the finger at me again)

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

i'm gonna run away and never say goodbye
(gonna run away gonna run away gonna run away gonna run away)
i'm gonna run away and never wonder why
(gonna run away gonna run away gonna run away gonna run away)
i'm gonna run away and open up my mind
(gonna run away gonna run away gonna run away gonna run away gonna run away gonna run away gonna run away gonna run away)

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

i wanna run away
and open up my mind
i wanna run away
and open up my mind
i wanna run away
and open up my mind
i wanna run away
and open up my mind

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