People don’t change if we insist criticizing

Criticism is not always positive, there are criticisms that hide resentment, frustration and even envy. But there’s another other criticism, a constructive criticism, which can help grow or correct errors.

However, because criticism will be well-received and produce a positive change, must not only be honest, truthful and made with the best intentions, but also expressed in the right way at the right time. If any of these ingredients is missing, it is likely that criticism is received with suspicion and does not reach the goal.

Therefore, when we make a criticism, it is important to be aware that the person doesn’t change because we insist to criticize him/her, even if we are right.

The frustration of the person who criticizes

Often the person who criticizes knows to be right, therefore, insists on his point of view. But when sees that the other person is not receptive, or at least not as much as he/she would like, starts feeling frustrated.

But the problem is that when criticism is repeated tends to become a reprimand, then who criticizes end up accumulating frustration and stress, which then puts on the other. Obviously, when reproaches appear the person loses control and does not realize that has entered into a downward spiral. At this point criticism begins to be destructive.

The person who’s criticising realizes that has been insisting in the wrong direction, that even if is right and wants to help others, words, attitude or simply insistence, have a counterproductive effect.

The anger of those who are criticized

In addition, the person who is criticized tends to perceive these words as an attack, and gets on defensive. Obviously, this state of mind does not allow him/her to see how much truth there may be in the criticism. As a result, the person may feel vulnerable, guilty or angry, but it is unlikely that will be prone to change.

Neither we can blame him/her, because criticism is often repetitive and contains a huge emotional burden hard to carry. Moreover, often criticism turns into erroneous generalizations that express only resentment.

Some common examples of reproaches that once used be constructive criticisms are: "You always act like that…", "at this point you should have understood..." or "don’t you think you should change sooner or later?" These accusations may be accompanied by offensive words that produce emotional wounds difficult to eliminate.

Bothering and uncomfortable, but it doesn’t enhance the change

At the end, the repeated criticism in the form of reproach end up harming the relationship, without resolving anything. As much one side cricizes the other much the other will closes in on itself, making communication more difficult.

At some point, everyone starts to live in his mind. Who’s criticizing thinks that the other doesn’t take account of his opinions and needs, and regrets this. Who’s criticized thinks that the other doesn’t consider or understand him enough, and suffers.

How to get out of this vicious circle?

First, it is important to take on our own share of responsibility. If you want a person takes into account your opinion, you should express it in a respectful way, without hurting the other or try to impose your point of view.

If that person doesn’t listen you at first, you can always repeat the criticism, but being careful not to turn it into a reproach. You have to say what you think without making value judgments, express how a certain behavior or attitude makes you feel and offer a possible solution.

5 key points of constructive criticism:

1. Go straight to the point. Many times people are forced to repeat criticism, simply because they do not have the courage to openly say what they think and turn around the point, hoping that the other understands. In this way they only generate malaise. If something bothers you, makes you feel bad or think it should be changed, say it in a clear, direct and assertive way.

2. Express your feelings and take responsibility for your emotions. Sometimes criticism is perceived as an attack, therefore an excellent strategy to make the other person more receptive is connecting both emotionally. And for that, you need to express how you feel. For example, instead of saying "you make me go crazy" a phrase that generates guilt in the other, you can say, "when come home later I get nervous", in order to distribute the responsibility and emphasize the behavior you would like to change.

3. Be concrete, do not generalize. Nobody can change completely. So, if you say something like "You are unbearable", the other person will not know how to react and what you expect of him/her. On the contrary, the key is to be as specific as possible. For example, you can say, "These days I noticed that you're angry, is there something wrong with you?"
4. Focus on the present, don’t bring up the past. The past is past, we can not change it and, although it may serve as a support, the criticism will be better received if it focuses on the present and looks to the future rather than rehashing the mistakes of yesterday. Therefore, instead of saying "you’re always late", you can say "I'd love you try to do you’re best not to be late, do you think you can do it?"

5. Be gentle. Although sometimes is difficult to control emotions is important to avoid irony in the criticism and use the right tone. Sometimes a simple "please", "sorry" or "thank you", can positively prepare the other person to listen to what you have to say.

Finally, remember that the other person is free to decide whether to accept criticism. Once you've made sure that he/she understands what you would be changed and why, you should leave him/her space to reflect and make a decision.


Source:
Pérez, A. (2016) No por insistir en la crítica, cambia el otro más temprano. La mente es maravillosa.http://www.psychology-spot.com/2016/11/those-who-criticize-others.html

Emotional Consciousness: Uncontrolled emotions are controlling you

We all feel emotions, but not all are able to recognize and name them. In fact, did you know that have been catalogued about 250 emotions and feelings? Between sadness and joy, feeling good or bad, there is a wide range of emotions that we need to deepen.

If we are not able to recognize our emotions and feelings, if we don’t find the causes or understand how they affect our behavior and decisions, we are unable to handle them properly and finish living on an emotional roller coaster. Therefore it is very important to develop emotional awareness.


Emotional Haze: CDangers of not distinguish the emotions

A very interesting study realized by psychologists at the University of Michigan has found that people suffering from depression have a common characteristic: they can’t distinguish properly the differences between the negative emotions experienced, such as sadness, guilt, anger and frustration. This may explain, at least in part, why depression is so difficult to fight.

To reach these conclusions, the researchers asked healthy people and people suffering from depression to report their emotions in specific moments during a week. They found that for depressed people was very difficult distinguish between different negative emotions.

These people would be immersed in a kind of "emotional haze" that is generated when we are not able to distinguish the emotions and label them. The problem is that this state can aggravate conditions such as depression or anxiety. In fact, it's hard to change our lives for the better if we do not know exactly how we feel at any time.

For example, imagine how difficult would be knowing when it's time to fill the tank of the car if there was not the appropriate indicator on the dashboard to indicate it? Something similar happens with our emotional state, we can not improve or use emotions in our favor unless we know how we feel and why.

What happens in the brain when we label an emotion?

A study conducted at UCLA has revealed what happens in our brain when we label the negative emotions. These neuroscientists asked a group of people to look at images in which appeared angry or fearful faces.

These images increased the activity in the amygdala, a region of the brain closely linked to emotions that acts as an alarm when detects a possible danger triggering a series of physiological changes that prepare us for fight or flight. In fact, it was seen that the amygdala reacts strongly to even subliminal images, those that escape our consciousness.

At this point, the researchers wondered whether the simple fact to label those emotions could mitigate and reduce the level of activation of the amygdala. Then they asked the participants to identify the emotions they were seeing. The results were surprising: the activity in the amygdala began to decline almost immediately, while it was activated the ventrolateral prefrontal cortex, a region associated with thinking, behavioral inhibition and rational processing of emotions.

In practice, it happens that when we give a name to what we feel we are obliged to activate the more rational part of the brain. This area inserts a kind of "hand brake", avoiding that emotions take control. By understanding what is happening to us, the negative emotional impact decreases making sure that emotions are less painful.

A program to develop emotional awareness

Emotional awareness is the ability to recognize our emotions, identify them and give them a name. This means, above all, the chance to experience and recognize many emotions, feelings and moods. This also implies that the person dominates a sufficiently rich emotional vocabulary that allows him/her express exactly what he/she feels.

However, emotional awareness is not confined to recognize and label emotions but also allows us understand how they affect our behavior and thoughts. Also it implies knowing what we are feeling and why, find the cause of these emotions and, above all, learn to use them in our favor.

We are not born with emotional awareness, this is developed gradually, to the extent that we experience new emotions and the adults around us help us give them a name, and manage them. Unfortunately, often this learning doesn’t occur and the emotional awareness is atrophied. This does not mean that the person is not able to experience many emotions and feelings, but that is not able to recognize them and then will be much more difficult to manage them too. In this case, it would be advisable take part to a psychological program that help us develop the emotional awareness.


Sources:
Demiralp, E. et. Al. (2012) Feeling blue or turquoise? Emotional differentiation in major depressive disorder. Psychological Sciences; 23(11): 1410-1416.
Lieberman, M. D. et. Al. (2007) Putting feelings into words affect labeling disrupts amygdala activity in response to affective stimuli. Psychological Science; 18(5): 421-428.http://www.psychology-spot.com/2016/11/emotional-awareness.html

Selling Structured Settlements Payment

Your bills are piling taking place and you don't know where the child support is going in the future from. You have merger maintenance flowing in, but it's just not ample each month to lid your intimates's needs. You regard as mammal that now is the period to profit a gathering quantity of cash for your far and wide and wide along Selling Structured Settlements. Now what? Educating yourself as regards the process of selling your structured conformity will tilt you in the best realizable habit to maximize your offers.

The first step in the process is to determine if selling your Selling Structured Settlements  is the best gigantic for your move. Have you exhausted the more era-privileged sources of raising cash? If your sham is yes, the adjacent step is to begin getting offers.

You neighboring mannerism to collect the important suggestion regarding your structured peace. This will be needed to profit offers. The most important opinion is the reveal of the insurance company, the amount of each payment you are set to received, and the date of each payment. This opinion is required for the adding occurring going on each company will appear in a role to have enough money you an let. It is furthermore bendable to begin buildup your actual Selling Structured Settlements  from the court concord, the actual insurance pact from the carrier and the dispel letter. The help letter will list in detail all payment you are set to do and in metaphor to what date it will be paid.

There are in fact two major ways to locate the factoring companies that will get your hands on your payments. The first is to see for the television advertisements that seem to run forever going a propos for some of the major cable news channels. These are intensely the gigantic players in the issue of buying structured settlements. One situation to remember is that those television ads can be expensive. You have to surprise how that can feign the offers they are courteous to make. The subsidiary major resource is of course the internet. Doing a sudden search upon Google will achievement out you just how immense the number of companies that are out there. The internet is a demean cost method for the factoring companies to doings potential clients wanting to sell their payments. It is along with an efficient and full of zip showing off for you to speedily get sticking together of quantity offers for your concord. The degrade overhead of the web-based companies should let them to be more competitive as soon as their offers.

Once you locate an allowable pay for, that company will usually send you an initial application along back a list of required documents. Again, you will obsession to have the funds for your Selling Structured Settlements. bolster letter, a copy of your annuity mixture, two photo ID's, possibly a certified assignment form, and an order for minors allegation if you were a youth considering your concord occurred. The faster you can viewpoint this recommend on the subject of, the faster the process from begin to finish.

The company buying your unity will do something-feat a background check looking for any outstanding liens or judgements that may restrict your talent Selling Structured Settlements. Once your mention is reviewed and found obtain, the factoring company will send you closing documents to sell your structured flexibility. Once the closing documents are customary and reviewed, also the company buying your goodwill will now schedule a court date to precise the transfer. Every acknowledge regulates the sale of structured merger payments. It is necessary upon each and every one one of transaction that a verification review the transaction and espouse. This is for your guidance as expertly as the company buying the payments.

Structured Agreement Primary Records


Structured Settlement - Structured Agreement Primary Records

A dependent settlement is a result of a criminal match that includes recuperation of price range on behalf of the birthday party in whose favor the judgments turned into determined. A litigation recovery control opportunity usually makes use of what is known as a qualified investment automobile which will settle a financial claim for the Plaintiff inside the case. It can be a structured settlement annuity or a consider fund. This agreement results in a chain of future bills which can be geared to the Plaintiff’s financial needs. A based agreement can offer significant benefits to both the Plaintiff and the Defendant within the case. If the Plaintiff agrees to the collection of ordinary destiny bills, they can get hold of those payments tax loose, as long as their declare falls under the IRS segment 104(a)(1) and 104(a)(2) of the internal revenue Code. A established settlement can also be used to reduce prison fees by using heading off a trial altogether.

Structured Agreement Primary Records

A based settlement typically involves a chain of negotiations in which the events involved come to some form of settlement. The settlement normally involves putting in a gain schedule that meets the desires of the claimant and additionally the existence insurance service. The life insurance enterprise is liable for issuing the annuity payments, also called Treasury Funded dependent Settlements, that are paid out according to the terms of the agreement. Those settlements have been seen greater frequently all through the Seventies as a welcome alternate to lump sum bills.

Funding Agreements

A investment agreement is also referred to as a period sure Annuity that essentially brings in a predictable collection of normal fixed bills. It can be installation in any fashion the parties desire and it absolutely customizable. The bills can also be paid at numerous times or various amounts, depending on what the events concerned pick out to do. A funding settlement may be used to pay the agreement. This agreement is taken into consideration to be a legally enforceable and binding report that could used for agency settlements as well as B2B disputes.

Many humans take benefit of the tax breaks they could acquire with a based agreement. If the dependent agreement is set up properly, it could notably lessen the tax obligations of the plaintiff, and may also be tax free in some cases.

Every other advantage of a based settlement is to prevent the price range from being decimated, especially if they are intended to pay for future needs or care in instances of traumatic bodily injury. Frequently times it is beneficial to have a based agreement to guard the plaintiff from themselves, as they'll simply not be suitable with cash, or can’t flip down household who need to share the “appropriate fortune.” Even a big settlement can hastily disappear when all people wants to “percentage” it. Minor youngsters can also gain from based settlements too. The settlement gives for fast living prices at the same time as they're young, and then there are nevertheless price range available for university or academic costs that can be incurred. If the plaintiff had sustained injuries and has long term medical desires, these may also be supplied for with periodic lump sum quantities for scientific equipment and resources. Also, structured settlements have lengthy been advocated with the aid of a majority of the nation’s biggest disability rights businesses, in addition to the american association of people with Disabilities.

Other issues of dependent settlements

There are of course some disadvantages to stepping into a established agreement. There may be the drawback to a based agreement that the claimant has to look forward to charge of the agreement rather than receive the charge all at once. A few claimants can also experience that they're trapped via the series of periodic payments. They'll have their coronary heart set on shopping for a car or new home, or some other high priced item. However they may be unable to do so as the phrases of the agreement do not allow them to borrow in opposition to the future payments of the agreement.

Some humans may experience that they are able to do higher on their very own, and go ahead and take a lump sum payment and make investments it on their own. You may frequently locate investments themselves, in the event that they recognise wherein to appearance.

But, there are various companies out available on the market that offer to cash out a based settlement or supply a coins boost on the settlement. Those businesses either offer to buy component or all the of the established settlement in go back for a certain lump sum quantity that they can use any way they wish. Those considering promoting their agreement for a lump sum amount need to be conscious that approximately roughly  thirds of the states have unique laws and rules which limit the sale of based settlements. Moreover, many tax-free established settlements are regulated via federal regulations regarding the sale to a third party. Also, there are coverage organizations that refuse to transfer or assign annuities to a 3rd birthday party, for the reason of discouraging promoting a structured agreement. So much will rely upon wherein you stay as well as the phrases of your dependent settlement, as to whether you may be capable of promote your settlement. Many agencies will offer to change the agreement payment that stretches over say, 20-30 years to a lump sum fee (with lesser fee) proper away. Many people need the cash to possibly visit university, purchase a residence, scientific payments or pay off money owed in their personal, or any wide variety of different matters. Of path, this form of financing settlement would ought to be authorised by using the court docket in addition to the coverage organization earlier than intending.

Understand that the main reason a business enterprise buys a structured agreement to make cash themselves, and typically the offers seem like they're too low. It is mostly a appropriate concept to go to with several agencies and spot which ones will deliver the very best payout. On some other observe, one need to be specifically careful to ensure they may be coping with a reputable agency and no longer a fly-by way of-night time operation which can take one’s annuity and either go bankrupt or disappear earlier than paying the buyout fee. Regularly, one may additionally should appear in court to see if a judge will approve the buyout. It is probably exceptional to consult with an legal professional before getting into any type of an agreement to promote one’s structured agreement.

A enterprise who chooses to buy this form of established agreement will purchase a pre-existing settlement and supply the owner of the settlement a lump sum amount. These settlements can also consist of payouts from things like lottery or sweepstake winnings or different big amount annuities. One example of this will be if someone is receiving $7,000 a year for the subsequent two decades. The proprietor of the agreement wants to have the money right away and not wait the twenty years to get it. So the purchaser of the agreement will provide $70,000 cash. Although it is a lesser quantity than they would have gotten in the event that they had waited, they get the money right away as opposed to spending time ready.

Source ; www.sellsettlementstructured.com/327-structured-settlement-basic-information.html

Sell Your Structured Settlement Payments

In life, the only thing you can really count on is change. Your life today isn’t the same as it was even a year ago, so why are the payments you get from your structured settlement still the same as they were years ago? At J.G. Wentworth, we think you should have the option to use your money whenever you need it.
No one understands your financial situation better than you do, but here’s just a few reasons some previous customers wanted to sell their structured settlement payments:
  • Paying off college loans or other debt 
  • Medical expenses 
  • A down payment on their dream home 
  • Money to start their own business

 J.G. Wentworth is here to give you a way to get access to your money early by offering to buy some or all of your future settlement payments.


J.G. Wentworth Is The Industry Leader In Purchasing Structured Settlements

 

More than 25 years ago, J.G. Wentworth helped our first customer get a lump sum for their future payments. Since then, we’ve helped our customers sell more than $2.9 billion of their payments, making us the largest buyer of structured settlements in the United States.
J.G. Wentworth’s extensive experience in purchasing structured settlement payments means that we can get you your money as soon as possible. We’re committed to offering industry-leading customer service, which is why we’re proud of our A+ rating from the Better Business Bureau.

How To Get Cash For Your Structured Settlement Payments

 Before deciding if selling some or all of your future settlement payments is the right decision for you, it’s important that you get all the information you need so that you can make an informed choice. J.G. Wentworth is here to help answer your questions. Here’s a brief overview of the steps involved in selling your structured settlement payments:

Contact a J.G. Wentworth Representative

After you fill out the online form or call our toll-free number, we’ll put you in contact with an experienced J.G. Wentworth representative. They’ll ask you about your structured settlement and your need for a lump sum. This lets them understand your unique situation and design an offer that meets your needs.
Once your representative understands your settlement and how much money you need from it, they’ll offer you a few options for how we can help you get that cash. We’ll give you everything you want to know about each deal so that you can review them and choose the option that makes the most sense for you.

We Take Care of the Paperwork for You 

 Selling your structured settlement payments usually requires a lot of legal paperwork. Your J.G. Wentworth representative will let you know all of the information we need and then they move the matter forward. If they need something you don’t have, they’ll even walk you through the process for how to obtain it.

source : .jgwentworth


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What's A "Structured Settlement"?

Your only exposure to the term “structured settlement” may be late night TV ads hawking immediate access to your money.  “It’s your money,” they’ll exhort.  “Cash in your structured settlement and use your money now!”  If you are (or were) a successful plaintiff in a lawsuit, your contact with structures may be more personal.  You may have received one, be evaluating one now, or have considered one but opted for cash.
But what should you know?  Even if you already have one, you may not know how they operate and why they’re set up in the arcane fashion they are.  Like so much else in the world, structured settlements are mostly about taxes.

Cash vs. Periodic Payments. If you’re injured in a car accident and receive a $300,000 settlement from the other driver or insurer, it’s tax free.  See 10 Things To Know About Taxes On Damages.  When you invest the $300,000, your investment earnings are taxable.  If you receive a structured settlement instead of the $300,000 cash, you’ll get payments over a term of years or your lifetime (however you choose), and each payment is fully tax free.  Thus, a structure converts your after-tax earnings into a tax free return. 


Structured settlement brokers (a special type of insurance agent) consult as a case approaches settlement.  For more about brokers, see National Structured Settlements Trade Association.  Brokers are paid standardized commissions by the life insurance company that issues the annuity.  Brokers can run many financial projections based on a term of years, payments over your life, over your joint life with your spouse, etc.  You can even call for no payments for say 10 or 15 years, with payments starting thereafter as a way to fund your retirement. 
Thus, structured settlements are very flexible.  Provided that you consider these issues before signing a settlement agreement in your case, you can structure as much or as little as you want and take the rest in cash.  With all of this, though, they have to be set up properly. 


source: http://www.forbes.com/sites/robertwood/2010/10/26/whats-a-structured-settlement/#fed135233bdb

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Many civil cases, particularly accident and personal injury lawsuits, never make it to trial because the parties reach a settlement agreement earlier in the litigation process. Generally, a settlement requires the plaintiff (person brining the lawsuit) to discontinue any further legal action in exchange for receiving a money payment from the defendant or the defendant’s insurance company. Settlement payments are usually lump-sum (all at once) or structured (regular payments over a period of time). - See more at: http://injury.findlaw.com/accident-injury-law/structured-settlements-pro-s-and-cons.html#sthash.PZvNwVKU.dpuf

Structured Settlement Annuities

What is a Structured Settlement Annuity?
A Structured Settlement Annuity (SSA) provides tax-free, periodic payments over a period of time, specifically designed to meet an injured party's needs. Specialized consultants facilitate the settlement process, as well as help design and negotiate the structure.



Why choose a Structured Settlement?

Benefits for the injured party:
  • Features customized design: Payments are specifically tailored to meet the injured party's particular financial needs over a defined period.
  • Emphasizes stability: Payments are designed to help meet the claimant's current and future financial needs.
  • Promotes security: Structured settlement provide the dependability of a highly rated financial institution.
Benefits for the defendant:
  • Leads to faster settlements
  • May reduce costs
  • Avoids Jury trials
  • May allow for tax deduction (self-insured)


Pacific Life is a member of the National Structured Settlement Trade Association



This material is not intended to be used, nor can it be used by any taxpayer, for the purpose of avoiding U.S. federal, state, or local tax penalties. This material is written to support the promotion or marketing of the transaction(s) or matter(s) addressed by this material. Pacific Life, its distributors, and respective representatives do not provide tax, accounting, or legal advice. Any taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor or attorney.
Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues. Insurance product and guarantees, including annuity payout rates, are backed by the financial strength and claims-paying ability of the issuing insurance company and do not protect the value of the variable investment options.

source :  http://ip.rsd.pacificlife.com/ssc/home/structured_settlementannuities.html


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