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ANNUITIES MEANING
อ่าน 179 ครั้ง
* มีนาคม 08, 2020, 01:50:07 AM
ANNUITIES MEANING

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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บันทึกการเข้า

* พฤษภาคม 14, 2020, 12:44:23 AM
#1
BEST SURVIVAL KNIVES
CRKT Sketch Folder
The Sketch is a great example of what makes an excellent EDC knife. Simple, understated, and it just plain works. It has a blade length barely under 3 inches and stretches to a little over 6.5 inches when open. A frame lock keeps the blade secure while you work, and the 8Cr14MoV steel will keep a sharp edge. A thumb hole at the spine provides one-handed opening capability. The K-tip blade profile is very handy, especially when fine detail work is needed.

TOPS Knives XXX Dicer
Combine a wide spatula with a chef’s knife and you’re on the right track for the XXX Dicer. Part of the growing kitchen collection from TOPS Knives, it measures 8.88 inches from tip to butt, with the blade stretching 7 inches of that length. The handle is red and black G-10, providing a positive grip no matter what you’re slicing. The 440C steel blade will stand up to years of use, whether you’re in the kitchen or the backcountry.

TOPS Knives Street Spike
The Street Spike is simplicity itself. Start with a slab of quarter-inch 1095 steel and skeletonize the handle to reduce the weight. Radius the handle edges for comfort so you don’t need to add scales and you’re good to go. It's easy to carry, easy to conceal and easy to use for a wide range of tasks. Even with the Kydex sheath, it is small enough to fit into a pocket or on a neck chain. The plan was to create a no-frills tool that is easy to keep on your body and TOPS succeeded on both counts.

Spyderco Astute Folder
The Astute is a folder that punches way above its weight class. It has a four-position pocket clip as well as a lanyard hole, allowing a wide range of carry options. The blade is 8Cr13MoV steel, and it has a gently curving flat grind edge. A liner lock keeps you safe while you work and the textured G-10 scales keep the knife in your hand, even in cold or wet conditions. All in all, the Astute provides all the quality Spyderco is known for and at a value price point.

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บันทึกการเข้า

* กันยายน 29, 2020, 03:48:11 PM
#2
Mortgage misfits
Tough restrictions on borrower affordability mean growing numbers of people are finding it hard to get a mortgage, says Patrick Collinson in The Guardian. Here are some ways to bag a deal if you’re a misfit:

You are over 40. Most lenders will only grant a mortgage to your planned retirement date – meaning a steep repayment curve for the average 37-year-old first-time buyer. It’s worth shopping around. Bath Building Society, for instance, doesn’t have a maximum age, “but will be looking for proof of continued income”. National Counties will consider applicants up to the age of 89.

You are newly self-employed. Unless you have two or three years of properly audited accounts, “you’ll be turned down by nearly everyone”. A handful of borrowers, including Halifax, Precise and Kensington, are willing to consider borrowers with just one year’s accounts. But you’ll need a deposit of at least 20% and you’ll pay higher rates.

You rely on bonuses. Lenders have made life much tougher if commission or bonuses make up a large part of your pay. Much depends on how often you receive payments. If bonuses are paid weekly, monthly or quarterly, lenders may be sympathetic. But just 50% of a bonus paid annually will count for mortgage purposes.



5 TIPS TO PREPARE FOR YOUR PROPERTY SETTLEMENT
8 HABITS OF WEALTHY AND SUCCESSFUL PEOPLE
WHY MILLENNIALS CHOOSE TO BUY HOME
7 TIPS EVERY HOMEOWNER NEED TO KNOW ABOUT INSURANCE
8 TIP ON HOMEOWNNER INSURANCE
10 QUESTION YOU SHOULD ASK MORTGAGE LENDERS

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บันทึกการเข้า

* กันยายน 29, 2020, 03:49:14 PM
#3
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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บันทึกการเข้า


* มิถุนายน 03, 2021, 01:47:27 AM
#5
What Is a Structured Settlement Annuity?
A structured annuity settlement is a financial vehicle that includes periodic payments, provided that the plaintiff in a personal injury liability lawsuit replaces a cash payment settlement. This type of financial tool can only be configured with a licensed settlement planner. (Settlement Quotes does not create these insurance products.)

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

selling annuity ᛋᚠᚢᛞ, Structured Settlement Annuity

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

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



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

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



Frequently Asked Questions

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

About Settlement Quotes

What makes Settlement Quotes services unique in the market?

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

About Selling Your Annual Structured Settlement

What is an annual structured settlement?

Is it legal to sell your structured settlement payments?

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

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

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

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

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

The sale and transaction with a financier are risk free?

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

Is It Legally Allowed To Sell Workers' Compensation Payments?

About the Bidding Process

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

How long will it be until you receive the quotes?

How many quotes do you receive from Settlement Quotes?

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

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

How long do you have to accept an offer?

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

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

About the selling process and getting your money

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

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

About Settlement Quotes

What makes Settlement Quotes services unique in the market?

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

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

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

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

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

From an insurance company

As a result of a lawsuit or insurance settlement

Payments of any guarantee or life contingencies

Not as a result of a workers' compensation claim

We DO NOT offer quotes on:

Workers' compensation payments

Payments for a minor

Pensions

Social security payments

TIAA CREF payments

Mortgages

Pre-settlement cases

Settlement of travel expenses

VA disability or pension

Other disability payments

About Selling Your Structured Settlement Annuity

What is a structured settlement annuity?

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

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

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

Is it legal to sell your structured settlement payments?

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

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

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

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

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

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

The judge must issue a court order approving the sale.

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

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

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

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

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

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

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

You can sell part or all of your payments.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

The sale and transaction with a financier are risk free?

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

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

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

Is It Legally Allowed To Sell Workers' Compensation Payments?

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

About the Bidding Process

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

To start the bidding process,

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

OR

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

How long will it be until you receive the quotes?

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

How many quotes do you receive from Settlement Quotes?

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

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

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

We guarantee:

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

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

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

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

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

How long do you have to accept an offer?

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

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

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

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

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

About the selling process and getting your money

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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* มิถุนายน 03, 2021, 01:48:03 AM
#6
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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