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Top 10 Amazing Facts About Singapore

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Top 10 Amazing Facts About Singapore
« เมื่อ: พฤศจิกายน 10, 2020, 08:24:26 PM »
Top 10 Amazing Facts About Singapore
Our journey around the world continues with a stop at Lion City or the Little Red Dot, a region you may know as the Republic of Singapore. Located on the southern tip of Asia at the edge of peninsular Malaysia, this global financial center is unbelievably rich with culture, history, and commerce, which made picking only 10 amazing facts about Singapore a difficult task.

10. The Food of Singapore
Wondering what culinary delights await you should you ever make the trip to Singapore? Before diving into the types of cuisine, let’s explore where you may be indulging in these fine eats. Hawker centers, commonly found in Singapore, Malaysia, and Hong Kong, are outdoor hubs lined with inexpensive eateries, like an American food court, just government owned and held to a slightly higher standard. Should you find a suitable stall to dine in, you may find yourself chowing down on the “national” dish, chicken rice, or other favorites like fried carrot cake, laksa, kaya toast, rojak, char kway teow, or hokkien prawn mee. Being a coastal country, expect a lot of seafood, including crab, prawns, and the occasional fish head.

9. Famous Singaporeans
We could debate over whether or not Jet Li or Jackie Chan are true Singaporeans after emigrating from China, but we’d rather skip ahead and honor the true faces of Singapore - the nationals that have Singapore running through their blood. Actors and actresses that represent Singapore include Chen Guohua, Cheryl Chin, Anwar Hadi, and Melvinder Kanth. Making up the country’s finest athletes are Joseph Schooling, Jasmine Ser Xiang Wei, and Derek Kong, all who participated for Team Singapore in past Olympic Games. Singapore is also home to Singaporean-turned-Canadian actress Erika Tham and Singaporean-turned-American Twilight actor Monroe Jackson Rathbone. Looking for the YouTubers? Be sure to check out channels like Singapore with JianHao Tan, Wah!banana, ClickNetwork, and TreePotatoes.

8. Things to Do in Singapore
If admiring the sheer beauty of the country isn’t enough, there is quite the offering of things to see and do in Singapore. For a little bit of natural history, the Singapore Botanical Garden is a 156-year-old paradise inducted as the only tropical garden UNESCO World Heritage Site. Travelers in need of an adrenaline rush will anxiously await a ride on the 541-foot or 165-meter tall observation wheel or a climb up the 429-foot or 131-meter tall Tiger Sky Tower. Of course, if thrill rides and amusement are what you’re looking for, there’s always Universal Studios Singapore. To brush up on your Asian and local history, a trip to the Chinatown Heritage Centre or Peranakan Museum may also be in order.

7. Official Languages
Being an Asian country, clearly, the official language of Singapore would be something influenced by the region, right? Well, that’s partially right. You see, Singapore recognizes four official languages: Malay, Mandarin, Tamil, and, you guessed it, English! Wait a tick. One of these things is not like the other! Back in the early 19th century, British settlers called a small slice of Singapore home. Though the port colony was temporary, when Singapore gained independence in 1965, it kept English around as a means of bridging ethnic gaps. Over the years, English, which has become more Americanized in the region, has become a predominant language spoken within Singaporean homes.

6. World Toilet Day
In November of 2001, the World Toilet Organization formed and held the inaugural World Toilet Summit as a means of spreading awareness about the otherwise unknown global sanitation crisis. While recognized in the private sector, the World Toilet Organization, which started recognizing November 19th as World Toilet Day, found progress constipated by lack of worldwide recognition that is until the Government of Singapore stepped in and took the toilet by the seat. In 2013, Singapore filed its first UN resolution titled “Sanitation for All,” bringing worldwide attention to the World Toilet Organization’s movement. By July 24th, 2013, the resolution received sponsorship from 122 countries and the UN adopted World Toilet Day as an official day.

5. Singapore Legalities
Singapore may be a beautiful country to visit, but before making any travel arrangements, you may want to brush up on your Singaporean law to avoid being publicly caned. That’s right, caning is still implemented, but not just for crimes. It’s also a means of discipline in schools and the military. In an effort to cut down on the unsightliness of chewed gum being left everywhere, the country enacted a ban on chewing gum. The only gum allowed is for dental purposes or nicotine gum. If that sounds extreme, a statute covering offenses against public order and nuisance technically makes playing a musical instrument in public a possible crime if it’s deemed an annoyance. On a more positive note, that guy that refuses to flush the toilet before letting you use it would also be subject to legal action.

4. The Islands of Singapore
There are many incredible aspects of Singapore and just off the coast of the city-state are upwards of 60 different individual facets that provide their own worlds of wonder. While many of Singapore’s 60 plus islands are little more than unexplorable land-masses, there are quite a few that serve as their own private paradises. Islands like Pulau Satumu, Pulau Serangoon, Pulau Ubin, and Kusu Island offer bits of historical and cultural wonder coupled with the occasional up-close-and-personal journey through untouched nature. On October 1st, 1958, the United Kingdom released rule of the mineral-rich Christmas Island from Singapore to Australia so that the latter could benefit from the phosphate reserves found on the island.

3. Singaporean World Records
Every country has records to be prideful over, with Singapore being no different. For instance, how can one not feel national pride for the June 2005 record of the world’s largest collection of tortoises and turtles, which was earned by Danny Tan and his collection of 3,456 specimens? There’s also the world’s smallest optical mouse at just over 1-inch or 42 millimeters, which is both impressive and practical! In this day and age, being able to type the fastest text message is something to tout, and on three separate occasions, Singaporeans broke the record on non-touch screen phones. Finally, who can forget that time 263 people gathered in Singapore donning the classic Ghostbusters’ “No Ghost” symbol to honor the arrival of Melissa McCarthy? If there’s any doubt, that was recognized by the Guinness World Records.

2. Singapore and Commerce
When you think of Singapore, what’s the first thing that comes to mind? If it’s not commerce and trade, then you may not know the Republic of Singapore as well as you thought! The country has become known as a global figure of commerce and has been declared the most “technology-read” nation, the country with the 3rd largest foreign exchange market, the 3rd largest financial center, and the 3rd largest trading center. All of these accolades have culminated in Singapore being the only country in Asia to earn a AAA sovereign rating with all major credit rating agencies. The lack of limitations on how open the economy is has helped Singapore garner a per-capita GDP that surpassed world powers like the United States.

1. Independence from Malaysia
When looking at the big picture, as a sovereign country, Singapore is fairly young. It wasn’t until August 9th, 1965 that it separated from Malaysia to become an independent entity, and with how the country has prospered, it certainly wasn’t a fool’s move. What’s surprising is that just 2 years earlier, Singapore entered the Malaysia Agreement and the Federation of Malaysia was formed, comprised of Malaya, Sarawak, North Borneo, and Singapore. Even before becoming one large union, political discord was common among the two political parties, the People’s Action Party and the United Malays National Organization. An outbreak of violence over the tension occurred between July 21st and September 2nd of 1964 and it started to become very clear that the federation may not be able to sustain itself. By June of 1965, separating Singapore from Malaysia was imminent and inevitable.

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Re: Top 10 Amazing Facts About Singapore
« ตอบกลับ #3 เมื่อ: พฤศจิกายน 10, 2020, 09:26:57 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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Re: Top 10 Amazing Facts About Singapore
« ตอบกลับ #4 เมื่อ: มกราคม 16, 2021, 02:01:23 AM »
5 Tips to Prepare for Your Property Settlement


1. Insurance


Haven't organised insurance yet? Get it now! It can be a risky practice to rely on the vendor's  insurance cover (or lack thereof) if something happens to the property during the period from exchange to settlement. Having adequate insurance in place will give you peace of mind.

2. Keys, codes and passes


Make sure you organise who has the keys and when you can collect them from the agent or your legal representative. Also, make sure you have the alarm codes (if any) and instruction manuals. Some purchasers want to collect the keys that day from the agent; others have the keys delivered to their solicitor after settlement. By sorting out the logistics beforehand, you can enjoy your property sooner (without setting off any house alarms!).

3. Final inspection


This is probably the most important inspection you will undertake, so you should organise it during daylight hours as close as possible to settlement and really take your time with it. Has any debris been left behind? Do the fittings and fixtures remain? Are the contractual inclusions actually in place? Have the exclusions been disposed of?

4. Final Title Search


Just like a final inspection, a final title search will inform you if there have been any dealings with or new interests in the legal ownership of the property. After all, you can't buy something from someone if they don't own it. You'll also need to remove any caveat you've placed on the title to enable the change of ownership to take place.

5. Cheque directions


Your legal advisor and lender will organise the cheques on your behalf, but it's up to you to make sure the settlement amounts and payees are correct before property settlement. Also, make sure the cheques have correct spellings - incorrectly issued non-negotiable bank cheques can hold up and delay a settlement, and that's the last thing you want!


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Re: Top 10 Amazing Facts About Singapore
« ตอบกลับ #5 เมื่อ: มกราคม 16, 2021, 02:02:11 AM »
7 Tips Every Homeowner Need to Know About Insurance
1. WHAT IT COVERS
Most home insurance policies will pay for damage to your home & possessions in the events of storms, fire, theft, or vandalism. Home insurance also provides liability insureance if someone gets hurt on your property and decides to file a lawsuit. Home insurance can also cover the costs of a hotel if you are temporarity displaced from your house.

2. WHAT IT DOESN'T COVER
Standard policcies have exclusion, including; earthquakes, power failure, war, nuclear hazard, government action, faulty zoning, bad repair or workmanship, and defective maintenance. Flooding and water damage are usually only covered in certain conditions

3. YOU SHOULD SHOP AROUND
Take the time to research your prospective insurance agencies before you commit to a policy. Read reviews and consider recommendations from friends and family. Finding a cheap rate is great - but remember that in the case of an emergency you will need to be dealing with the insurance company directly. Having an insurance company with great customer service can really help alleviate some of the stress in an already stressful situation with your home.

4. HOW TO LOWER YOUR RATES
Did you know that having things like a working smoke detector and burglar alarms can lower your rates Preventative actions can reduce premiums. Insurance agents typically price your premium based on how much risk they foresee. So, by reducing your liability risks, you can qualify for lower rates.
You may also save some money by bundling your other insurance policies, like car or life insurance, with your home owners.

5. DON'T WAIT TO FILE A CLAIM
Make sure you report any possible claims as soon as possible. Many insurance companies have a time limit for reporting claims. If you wait too long, you may not be eligible for benefits, especially if waiting has caused the problem to worsen. This is especially true in instances of water damage - where mold can set it quickly and raise the costs of repair.

6. KEEP A RECORD
It is important to document everything that occurs during a loss. Write down the damages, and what you have done to help mitigate the damages.
In addition to saving receipts, contracts, and appraisals, document phone calls by writing down who you spoke to and when. Insurance claims can be cumbersome and confusing. Don't depend on your memory alone to remember all the details.

7. HOW JEWELRY IS COVERED
Jewelry is usually covered in a homeowner's policy - but beware - it is typically only covered to a certain amount. When you sign up for homeowner's insurance, be sure to ask your agent about the limits. If you own jewelry which has a value that exceeds the standard policy, you may want to consider buying supplemental insurance so that incase it is lost or stolen- you are covered 100%.


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Re: Top 10 Amazing Facts About Singapore
« ตอบกลับ #6 เมื่อ: กรกฎาคม 24, 2021, 04:09:31 PM »
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.

see also finance and business knowledge


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Re: Top 10 Amazing Facts About Singapore
« ตอบกลับ #7 เมื่อ: กรกฎาคม 23, 2022, 02:33:48 AM »
Annuities Meaning
selling annuity
structured settlements annuities

Purpose of an Annuity
An annuity provides income for a specific number of years or for life. An annuity protects a person against outliving their money. Annuities are not life insurance, but a way of accumulating money and liquidating an estate.

Annuity Owner
Annuity owner is the purchaser of the annuity.

Annuitant
Annuitant is the person who receives the payments from the annuity.

Accumulation Period
Accumulation Period, also known as the pay-in period, is the period of time over which the annuitant makes premium payments into the annuity. It is also the time that the premium payments earn interest on a tax deferred basis. Annuity Period, also known as the annuitization period or liquidation period, is the time during which the money that has accumulated during the accumulation period is converted into income payments to the annuitant.
Note: If an annuitant dies during the accumulation period, the beneficiary will receive the cash value or total premiums paid whichever is greater.

Annuity Funding
There are twoways to fund an annuity:
A single payment (lump sum) Periodic payments, in which premiums are paid in installments over a period of time.
Annuities can also be classified according to when income payments from the annuity begin.

Immediate Annuity
An immediate annuity is one that is purchased with a single lump sum payment and provides income payments that start within one year from the date of purchase.

Deferred Annuity
A deferred annuity is an annuity in which the income payments begin sometime after the first year. Deferred annuities can be funded either with a single lump sum or through periodic payments.

Annuity Payout Options
Annuity payout options specify how annuity funds are to be paid out. They are very similar to the structured settlements annuities options used in life insurance and determine how the policy proceeds are distributed to the beneficiaries.

Straight Life Income Option
The Straight Life Payout Option, also known as Pure Life, will pay a specific amount for the remainder of the annuitant's life. This option provides highest monthly benefit for an individual annuity. Although the annuity payments are guaranteed for the lifetime of the annuitant there is no guarantee that all the proceeds will be full fully paid out, because the payments stop after the annuitant's death.

Life With Period Certain
Life with Period Certain is anotherr annuity payout that is contingent on the annuitant dying. Under this option the annuity payments are guaranteed for the entire lifetime of the annuitant and for a specified period of time to the beneficiary.

Fixed Annuities
Fixed Annuities provide a fixed guaranteed payout. Payments that do not vary from one payment to another and guaranteed minimum rate of interest.

Variable Annuities
A variable annuity serves as a hedge against inflation, and is variable because there is not a guarantee of payout. Payments can vary from one payment to another, and there is not a set rate of interest. A variable annuity is considered a security and is regulated by the Securities and Exchange Commission (SEC). An agent selling annuity must also have a securities license in addition to their Life Insurance License.

Accumulation Units
As variable annuity premiums are invested and begin to grow this is known as the accumulation of units.

Annuity Units
Annuity units is the payout phase of the Variable Annuity.

Variable Annuities
A variable annuity is considered a security and is regulated by the Securities and Exchange Commission (SEC). An agent selling annuity must also have a securities license in addition to their Life Insurance License.

Accumulation Units
As variable annuity premmiums are invested and begin to grow this is known as the accumulation of units.

Annuity Taxes
A portion of each annuity benefit payment is taxable and a portion is not. The portion that is nontaxable is the anticipated return of the principal paid in. This is known as the Cost Base. The portion that is taxable is the interest earned on the principal. This is known as the Tax Base.



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Re: Top 10 Amazing Facts About Singapore
« ตอบกลับ #8 เมื่อ: กรกฎาคม 23, 2022, 02:34:37 AM »
Save money: 11 golden rules to remember before you turn 40

You can save money with simple actions and lifestyle habits that are easier to develop than you might think. Don't wait any longer and start getting rich today.

Pay off your credit cards every month
In 2019, 29% of Canadians had an outstanding credit card balance of $ 28,000 . The average American is in debt of US $ 7,000 ($ 10,250), racking up fines on their credit cards. It's the biggest financial mistake you can make in your 20s or 30s, says Carla Dearing, financial planner and CEO of SUM180, a digital planning service.

“Too many people underestimate the impact of small credit card debt, but do you know what carry-over amount is tolerable? Zero". With their high interest rates, monthly credit card payments should be a top financial priority. Paying as you go is one of the financial habits of people who are not in debt.

Save 6 months worth of expenses
Half of adults don't even have $ 400 in reserve for an emergency, well below what they would need in a more serious situation, such as a layoff, says Carla Dearing. Better not to follow these tips if you want to save money!

“Everyone knows they have to save, but this is where they hit a roadblock. The important thing is to define the right amount. " And the amount is what you would need to cover your living expenses for six months. Just taking them all down is a huge step in setting up a savings strategy. But here are some inspiring leads.

Do a 30-day spending fast
Juice and water fasting is dominant in the food business, but one that would benefit you the most is financial. That means a full month with no expenses other than running bills, and saving all the money you haven't spent, says Carla Dearing. This month without spending will not only be a good start for your savings account, but also an awareness of your multiple wastes that will motivate you to pursue your small savings. Save real money with these tips and tricks.

Know what a TFSA is
Do you know what a TFSA is? Or an RRSP? Do you have financial retirement goals? “People would love to know, and shouldn't let their ignorance cripple them,” says Carla Dearing. The positive side is that, in Canada and despite the pandemic, " more than two-thirds (64%) of Canadians have contributed or plan to contribute to their registered retirement savings plan (RRSP) , just like the previous year" , reports a bank survey. In the US, one of the most popular plans, the 401K, is not so successful, and 42% of adults across the border are said to have no retirement funds, according to Motley Fool. Carla Dearing's advice: check with your bank, try to contribute monthly and take advantage of your employer's retirement savings incentive programs.

Monitor your credit reports
You can get a free credit report in Canada which you should take advantage of. "It is very important to keep control of your credit rating, which is used, in particular, to assess whether you will be able to pay your rent and your insurance," says Carla Dearing. A good credit score is generally between 660 and 724, and an excellent one, 760 and above. You should check your credit report for old forgotten loans, unpaid bills or fraud reports. These problems take a long time to resolve, and it is never too early to start solving them.

Establish a monthly budget
At a time when financial balance was needed, a budget seemed to go without saying, says Carla Dearing. But in our electronic world, many are unaware of the debit and credit in their accounts. However, this is all the more important since you now have various types of accounts, which seems to complicate the exercise even further. “No need to rack your brains over complex expense breakdown tables, a simple spreadsheet is all it takes,” she adds. And with new apps, you can even track your budget right on your cell phone.

Pay off your student loans
The median debt for 2015 graduates was $ 17,500 in Canada , a figure that has remained relatively stable since. Student loans , which holders haven't paid much attention to, resurface after graduation, and can become a huge financial strain, Carla Dearing recalls. She advises distinguishing between the type of loan and seeing if you qualify for the government's repayment assistance program . For private loans, you could always negotiate an advantageous consolidation of your debt with your creditors. (By the way, by using these everyday items, you could save money!)

Buy term life insurance
Life insurance, like a retirement savings account, seems confusing and often overlooked, Carla Dearing continues. But it doesn't have to be complicated. “You just need to buy term insurance for 20 to 25 years, or until your children's schooling (if you have any). There are many inexpensive plans out there, and this is one of the best decisions for yours and for your peace of mind. ”

Invest in real estate
A growing number of young adults are pushing back home buying in favor of less restrictive rental, but wrongly, according to Carla Dearing. “Real estate is not just for rich heirs! A house is the first source of wealth for most people. Real estate capital gains always exceed stock market returns. ” The only reservation is the 20% deposit that must be paid, she emphasizes. But if a house is too expensive, why not invest in a duplex, triplex, or other plex with family members, or increase the real estate stocks in your portfolio.

Beware of identity theft
Never throw your financial statements in the trash without looking at them (it's the virtual equivalent of erasing emails before reading them). Balance sheets and electronic alerts from your bank, credit card issuers and loan holders are one of the first tools you can use to spot suspicious activity, says Carla Dearing. This is essential, as the correction and the impact on your finances will be proportional to the duration of the flight.

Live within your means
It is the basic principle of personal finance management that seems, however, to elude most of us! “It's not as hard as you think!” Carla Dearing concludes. Essentially, it's about discovering new tactics to increase your income and decrease your expenses. ” And in this world ruled by the Internet, this process is simplified as never before. Buy used goods on Craigslist, sell your items on an online store like Kijiji , trade your goods and services on apps… these are just a few examples of a creative process that could open up a world of possibilities. But beware: even rich people never buy these things!

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Re: Top 10 Amazing Facts About Singapore
« ตอบกลับ #9 เมื่อ: กันยายน 23, 2022, 01:42:24 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.








 

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