I was quite surprised reading Kinney Dancair’s "How To Deal With Cash Structured Settlements" I fully expected the last few lines to read "Send this to 10 of your best friends within the next 10 minutes and something good will happen at the end of the day! If you don’t somethning bad will happen! This works"
Dancair: "There are no two ways about it, most insurance companies are vile. When you are fully insured and have the mishap that they are in business to secure you against, they deny your claim or pay less than it will cost for you to fix the problem that they are supposed to fix. Most of us just let them get away with this behavior because it is too troublesome to take them to court."
Comment: (1) It’s "insure" not "secure" dufus (2) Dancair cites no evidence to support his allegation. (3) Insurance companies are subject to law concerning fair claims practices. (4) Dancair essentally admits he has no follow through and tries to justify his laziness. Perhaps he’s had a bad experience but a well documented claim will generally get paid.
Dancair: "For some, however, the need for a cash settlement is a matter of survival. They must take the insurance companies to court because of the unbearable stack of bills that stands between them and life before their unfriendly brush with the fates. Of these folks, a few win settlements that can provide for the needs generated by whatever mishap they have suffered. Unfortunately for them, these types of settlements are typically made with the insurance provider’s convenience in mind in the form of the structured settlement."
Comment: (1) How many English classes did this putz skip in school? (2) You don’t win settlements, you win judgments. Settlements are a negotiated compromise (3) Cases are often resolved without having to file a law suit. (4) Structured settlements are tailored to the needs of the claimant or plaintiff. Many times it is for the claimant or plaintiff’s convenience.
Dancair: "If this has happened to you, the fighting isn’t over yet. Now you have got to find someone to give you a lump sum instead of the structured nonsense that the court assigned. The bills won’t pay themselves and the amount of the payment from the insurance company per period is too small to fill that bill. What you need to do is find a company that can find a buyer for you."
Comment: Dancair has his timeline all mixed up here. (1) The Court doesn’t assign a structured settlement. (2) The Court only gets involved to approve settlements for minor’s and incompetents. (3) In those cases the Court looks out for the best interests of the minor or incompetent (4) I’ll be sure to circulate the name Kinney Dancair in the Courts around the land. I’m sure the judges would "love" to hear that this non-expert says what they approve is nonsense.
Now Dancair gets weird: "You cannot find any solution to any problem without first convincing yourself that it is solvable. That is the pre-step to all other steps. It must first be possible for you to accomplish it. The human mind is such that if we believe something can happen we are right and if we believe it can’t we are also right. That is the bizarre truth about our species. For most things you will imagine that you want to accomplish the first–and most crucial by the way–step is to abandon doubt and fear for hope and faith. Sounds religious or spiritual, but in reality it is a matter of practical fact.
So, before you venture out into the world to solve your cash settlement problem, settle it in your mind. Decide how you want it to look. This practice is called the act of spiritual creation. You first take the exact thing you want–nothing less–so in this case, let’s say the exact thing you want is a lump sum that is fair for your cash settlement. Now put your attention on this as though it has already occurred."
Comment: Rather than closing one’s eyes and repeating "There’s no sum like a lump sum" then opening them up and seeing a pot of gold before me, I think it’s much more prudent advice to contact someone who KNOWS the field of structured settlements and ask THEM for their thoughts.
Dancair’s bio on Ezine articles says that he is a writer with interests in self-improvement, business and finance. This poor effort shows that he can’t write, is a poor researcher and knows nothing about structured settlements. Perhap he ought to take his interests a little more seriously than he apparently took his English classes.
This sewage goes right into our Dreck Culvert.
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