Structured Settlements 4Real® Blog: Structured Settlements | Settlement Planning News and John Darer Reviews

Would you take Settlement Planning Advice from this "Hoodie"?

Structured settlement financial advice has hit skid row by way of the Sirigao Phillipines. I Valnaz (who uses the above image in his Blogspot profile) has picked up where his compatriot mommy bloggers have left off with spam blog about structured settlements peppered with "Adsense nonsense" that has nothing to do with structured settlements. While you get information that purports to be about structured settlements you can also learn about laser tatoo removal. It's merely a case of er..."tit" for "tat", but it's still crap.

Avoid ivalnaz-structuredsettlements.blogspot.com!

Frank Desaille of St. Albans UK is No Structured Settlement Expert

by Structured Settlement Watchdog®

Shafiq Kamal. the owner of the made for Adsense website Knowreally.com and Frank Desaille, the primary author have teamed up to flood the Internet with more digitial diarrhea about structured settlements.

Google Adsense Structured Settlement Carpet Bomber Desaille deserves the Wall of Shame for his poorly translated illiterate drivel such as:

"Are we the part of of NSSTA? The National Structured Settlements Trade Association is the creditable regulatory physique inside of this industry. A attorney who takes the time as great as creates the bid to stick upon the NSSTA is organisation to follow their discipline upon obliged behavior. This creates it some-more expected which we have found the arguable as great as infallible representative to work upon your behalf".

"If we have been offering the possibility to take the structured allotment understanding afterwards we might great consider about regulating the structured allotment attorney to assistance we get the many appropriate probable solution".

Many computer geeks, mommy bloggers and others seek to write blogs for money. We call them pay per posters. Some are very good. Others are not.  If what they write is well researched and articulate there is no problem. Providing education to the public is an honorable thing. What is dishonorable however, is when people who essentially amount to illiterate or lazy bandwith hogs throw up absolute crap in the hopes of making make "a few bob" from Google.

As owner of the site Knowreally.com, Shafiq Kamal must share the dishonor as appears to "employ" many of these writers

Here's what another writer, Melony Bronk says about the FDIC

"Through the FDIC or the Federal Deposit Insurance Corporation the bank stays the most appropriate place to keep your income with no make the difference what happens to your bank. In Oct 2008 the deposition word was momentarily lifted to $250,000 per depositor by Dec 31, 2009, so if your area bank falls we have been still entitled to your deposition up to $250,000".  Does this mean I am entitled to $250,000 worth of legal grilling if my bank fails?

On Critical Illness insurance Amanda Gamdana says this:

""Nowadays augmenting numbers of people confirm to have use of the net to set up their word skeleton as well as some-more of late cover for vicious seizure has additionally turn available. There have been still the little teething problems with this sort of trickery with word firms realizing it might not be as elementary as they thought".

Needless to say based on everything I've read written by him so far, avoid anything written by Frank Desaille of St. Albans on the subject of structured settlements.  Save yourself the time! If you happen to land on a page written by Desaille, or from knowreally.com, simply click the back button and  go back to your search, do not click on any of the pay per click Ads by Google (or you will encourage such sites to exist).

Review of A "Dummies' Guide to Structured Settlement" Written by Tutiwati Lee

by Structured Settlement Watchdog

"A “buy and hold” case within a structured settlement package is one in your insurer buys and (sic) annuity in a bid to deal with your demands. This is so that they don’t have to be burdened with the responsibility of seeking you out when they have to make payments, at the same time feeing (sic) themselves to use the bulk of the money as they will".  Tutiwati Lee, A Dummies Guide To Structured Settlement.

"In the simplest terms, it (structured settlement) helps to preserve an economy and control inflation. Tutiwati Lee Structured Settlement Information That Many Don't Know 

I don't know about you but a certain Easter Island Head comes to mind.  A structured settlement does not preserve an economy or control inflation.  If it did the laws permitting the sale of structured settlement payment rights by annuitants would never have been approved by Congress.

 


Comments

"Buy and hold" is an investment strategy based on the premise that over a period of time financial markets provide investors with give a good rate of return despite periods of volatility. The term does not apply to stuctured settlements

In its simplest terms a structured settlement does not preserve the economy of control inflation. Fed Chairman Ben Bernanke appears almost weekly on CNBC or C-Span and I have yet to find structured settlement in any of his speeches.

"Bishop Tuti's"  bio states "Like very few writers outside there, Tutiwati Lee is a writer who takes the time to provide only professional content". The best writers do their research instead of spewing out the social media road kill that Tutiwati Lee has done here.

 

 

Settledmoney.com Scraper Site Is NOT Affiliated With Structured Settlements 4Real

Over the past few weeks we have noticed that our copyrighted content was regularly appearing on a site called settledmoney.com. Settledmoney.com also used our category headings and the confusion was such that I heard from several friends who questioned me about it  because the site claims to be about money now-one of my favorite targets of late.

The settledmoney.com site is owned by someone whose name, or pseudonym is Jesse James of Austin Texas. The site is registered through Godaddy.com and hosted on servers at dimesnionsystem.com in a Pennsylvania location eerily close to the folks from Bryn Mawr although no connection has been made at this time.

This author sent a cease and desist notice to Mr. James and also informed Godaddy's copyright complaint area as well as a similar department at Google. The owner of Settledmoney.com had positioned himself to profit off my content through the placement of Google Adsense ads on pages featuring my content, which again was not authorized.

This evening I received the following email from Mr. James.

From: "Jesse James"
Date: Wed, 17 Dec 2008 22:29:44 -0500
To: 'structures'<[email protected]>
Subject: RE: Attention "Jesse James"

John -

 

I was not aware that this site was using your content. I acquired it some time ago 'as is' and was told that all the content was source. Upon further investigation, I learned that there is some plugin that essentially 'scrapes' content from various sites. Yours was on the list among others. I have personally gone in and deleted all content (I believe) that was created from that plugin.

 

I apologize for the hassle.

 

Jesse

With the cooperation of Mr.James an investigation is ongoing as to who told Mr. James that the content was "source".

This author takes plagiarism of his or his company's content very seriously. Those who do not have the time, skill or intellectual capacity to produce original written content  (or who are just too frickin' lazy) will not be permitted to benefit financially from stealing the content from those that do.

My experience should be a lesson to others. You have to pay attention to your content to be able to tackle these pests! Scraped content could affect your search engine rankings so again pay attention.

Poll Created Comparing Structured Settlements, Municipal Bonds and Sex to Benefit Factoring Companies

The following cash now pushers aim to profit off an Upmeter poll that compares Structured Settlements, Municipal Bonds, Sex and another undescribables though Google Adsense ads.   Download structured_settlement_vs.pdf

• Peachtree Settlement Funding
• Woodbridge Investments
• Novation Capital
• Client First Funding
• Legal Funds Now

Either I'm missing something when it comes to Municipal Bonds and Structured Settlements, or this is just another example of the flaws of Google Adsense to misdirect consumers while highlighting the nefarious virtues of factoring companies.

If this poll were accurate, honeymoon night conversations might go something like this: "Hold the inflation protection honey - gotta check the Municipal Bond rates!"

Google Blog Alert Becoming Less Relevant Due To Abuse by Bloggers Using Google's Blogspot Service and Google's Apparent Lack of Attention

by Structured Settlement Watchdog®

Google may be the top search engine but the oversight for its Google blog alert is in need of serious improvement for it to continue to be relevant.

Today I and others received a Google Blogs Alert for "structured settlements" with these allegedly relevant stories

• Prophecy-Predictions for 2008 for born again believers
• Flying Stars Feng Shui for 2007-Predictions and Remedies
• How to Get Rid of Bed Bug Invasion

None of the posts that Google alerts us to (in this instance) provide useful information to consumers about structured settlements and the in-line "sell structured settlement" text link in the middle of the blog spam is directed to shop 24-7-365.com, a web page that is made for Google Adsense. Google therefore is conflicted in that it derives significant revenue from Google Adsense regardless of the relevancy of the ads, the relevancy of the content of the web page on which the ads appear or the utter nonsense on the blog pages derived from a Google owned blog software platform.

The spam blogs that contain the text links are authored by a random stream of consonants and vowels. Surely Google can put a validation in their blogpost registration form to filter this crap out.

For the uninitiated, you can add input validation to Web Forms pages by using validation controls. Validation controls provide an easy-to-use mechanism for all common types of standard validation — for example, testing for valid dates or values within a range — plus ways to provide custom-written validation. In addition, validation controls allow you to completely customize how error information is displayed to the user.

The Whois report for the spam blog directed website "shop24-7-365.com" states the registrant to be:

James Adams Sop 24-7 PO Box 1130 Hayes, Virginia 1-804-642-1009

Google Is Clamping Down on Copyright and Trademark Violations

Erstwhile structured settlement "splogger of the century", John Jonas is spilling tears over getting suspended from Google Adwords for a trademark violation. Here's how he blubbed it on the John Jonas blog. The message is, be aware and respectful of other people's trademarks and copyrights!

For the uninitiated, Google Adwords are those "originally intended to be useful"  pay per click ads that are peppered around virtually every Internet page. Some pages appear to be designed to contain more pay per click ads than useful content. The high value of the keywords "structured settlement" and "structured settlements" in particular, and their derivations, led to a cottage industry of abuse and made some opportunists rich at the expense of bewildered tort victims, including and profoundly injured people. One of my first posts when I started this blog exposed one of Jonas' blogs that had spider webs of gibberish designed to entrap the unwary and bewildered who were looking for information about structured settlements. Rather than find useful information they met the "sticky" handiwork of profiteering super geeks like Jonas,  web pages designed so that an unwary user would click away and away, each time making Jonas money but getting no closer to the information they needed in timely fashion.

On another note, Jonas' use of the term "Nazi" to "manufacture outrage" in his description of Google is both inappropriate, unnecessary and in incredibly poor taste. While many us laughed at Jewish comedian Jerry Seinfeld's famous "Soup Nazi" episode, let us not forget that the term "Nazi" has a shameful place in world history and should not be used gratuitously . These days Connecticut Democratic congressional candidate Lee Whitnum,  recently named one of the "Top Clowns of 2007" by the Fairfield (County) Weekly, deems it appropriate to use the term "Nazi" as part of her campaign strategy, posting "Jim Himes Nazi Connecticut" on the Lee Whitnum 2008 campaign website, and on the Democratic blog "My Left Nutmeg", as part of a challenge to her opponent to debate. Let's face it folks, neither Google nor Jim Himes butchered  more than 6 million people!

Lest we forget...
Structured Settlement Sploggers Must Be Stopped 2/25/2006
Structured Settlement Directory.Com is a Useless Splog 5/25/2006
Cash Structured Settlement Splog 6/8/2006
In The Words of one of The Worst Sploggers in the USA 08/22/2006
Microsoft Sues Sploggers Jonas, Goggins and Cox 08/23/2006

"Structured Settlement Information" Coming from A Blogspot Source Should Be Discarded, Or Treated With A Jaundiced Eye

by Structured Settlement Watchdog™

"Structured Settlement Information" Coming from a website with Blogspot in its URL address should be discarded, or treated with a jaundiced eye.

Much of the latest Google Adsense carpet bombing of scraped structured settlement information is coming from anonymous bloggers from India that emanate from the Blogger platform. The latest scraping by "Prabhat", a blogger who only set up his or her account 10 days ago, is a piece on the subject of structured settlements published in a North Carolina newspaper, The Cherokee Sentinel, only a few weeks ago.

Download prabhat_blogspot_aglssa_structuredsettlementsp.pdf

The content of the article was already reviewed by this author weeks ago in Positive Smoke Signals on Structured Settlements.

What the Indian blogger "Prabhat" does, through the oversized advertising placements, is connect, the NSSTA, The Sudden Money Institute and American General Life Insurance Company with Structured Settlement Alliance, an alter ego of JG Wentworth. Moreover in a context mismatch, the ad appears intentionally placed to imply (falsely) that the Structured Settlement Alliance can find you the best financial institution for structured settlement annuity placement. I'm pretty confident such an association is not  where the NSSTA, Sudden Money Institute or American General Life wants to be.

Other irrelevant content on the page is information about the Kumari Bank which might be only useful if visiting Kantipur Mall in Kathmandu Nepal to gather supplies for your next Everest expedition, or a visit with the Dalai Lama. I'm not sure if the Nepalese tax code supports structured settlements but I'm also pretty confident the NSSTA, The Sudden Money Institute and American General are not doing business there.

Google Adsense Carpet Bombers

Google Adsense Carpet Bombers are those individuals or entities that create web sites with a small amount of text that  is dominated by the Google Adsense ads appearing on the page.  The Bulgarian website cited in the previous article had 14 Google Adsense ads surrounding the text. Some of these carpet bombers fall into the splog (spam weblog) category. But the most recent incarnations are web sites that scrape small amounts of text about structured settlements from other web sites and either create a shady looking site using the same title as a legitimate structured settlement web site, or incorporate the scraped text into a more legitimate looking a site.

Either way, due to the popularity of the key word "structured settlement" and "structured settlements" the structured settlement industry has been bombarded for over 2 years with such sites. The owners of such sites hope to a monetize their blogs and web sites and earn in excess of $50 per click.

Incentives for such activity can be reduced by:

1. Helping consumers recognize characteristics of websites created by paid writers (sponsored reviewers) and part timers with no structured settlement credentials.
2. Helping consumers recognize web sites created by insurance licensed structured settlement professionals are the best source of information about annuity based structured settlements
3. By consumers and curiosity seekers not clicking on any of the Google Adsense ads (Ads by Google).

Structured Settlements 4Real is creating a Google Adsense Carpet Bombers Wall of Shame since Google appears to be the most widely used for this phemonenon. As the identities of the offensive parties are obtained they will be posted on here on an update of this web page.

If you are going to scrape other people's content, write or compile gibberish then you deserve the non- complimentary notoriety. For those of you who think there is a return link coming to you for identifying you, be forewarned that there will be no link!

Utterly Bulgar

Wikipedia describes Bulgaria as Europe's and possibly the world's first literary culture. As a massive soccer fanatic I am aware of the two of Balkan country's better known products, Hristo Stoichkov, who toiled for FC Barcelona, the MLS' Chicago Fire and starred in the 1994 World Cup and the highly coveted Dimitar Berbatov who stars for Tottenham Hotspur in the English Premiership.

However, one thing that Bulgaria is NOT known for is structured settlement experts.

Dobri Bozhilov of Sofia Bulgaria fails to "keep up the side" with this inartfully worded piece of misinformation:

"Structured settlements represent future money which in many cases is quickly depreciated through inflations, lost interest, etc. This particular financial instrument is worth much more as present money instead of future money. We can illustrate this point better by asking the following question: 'What is worth more, one hundred dollars today or one hundred dollars in ten years?'. By now you should be able to see exactly what structured payments are, and if managed correctly, they can help property owners save their homes." ...Dobri Bozhilov.

Discussion

Structured settlements can represent both current AND future money. A variety of structured settlement payment options are possible. Depending on the annuity issuer or trust provider, payments can start within as soon as a couple of weeks, a month, or at some definite point in the future. A combination of payment plans can be combined and customized to the needs of the plaintiff or payee.

The instrument is not always worth more today than it is in the future. The example used to illustrate the assertion that money is worth more today than in the future is a poor example.  If $100,000 were used to fund a single guaranteed structured payment that began in 10 years the amount of that structured settlement payment would be far greater than $100,000. The present value of receiving $100,000 today or having $100,000 fund a structure that pays out a lump sum in 10 years is the same provided the same discount rate is used. Another way of looking at this is that it wouldn't cost $100 to fund $100 in 10 years.

Selling structured settlement payment rights to save your home is a last ditch move if you have exhausted all other possibilities. If you find yourself into too much debt, due to over spending, be sure to address how you will compromise your lifestyle to take into account for how the lost guaranted income impacts your future financial security. Think it through first! 

Years of Russian language training have taught me that Dobri's first name means "good". To that I say плох (pronounced Plochhh) Bohzi Bohzi Bop, Sh*tty Bop. How can you take anyone seriously whose webpage contains a link to "Paris Hilton Reveals NASA UFO secrets"?