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ผู้เขียน หัวข้อ: เพจรวมเรื่องสยองขวัญ  (อ่าน 753 ครั้ง)

anyaha

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เพจรวมเรื่องสยองขวัญ
« เมื่อ: กรกฎาคม 01, 2019, 12:55:01 AM »
เพจรวมเรื่องสยองขวัญ เรื่องผี เรื่องน่ากลัว คดีฆาตกรรมโหด ฆาตกรต่อเนื่องที่อำมหิตที่สุดในโลก เรื่องเล่าผีน่ากลัวสยองขวัญ







เบลล์ กันเนส ฆาตกรหญิงสุดโฉด แม่ม่ายผู้เหี้ยมโหดแห่งอเมริกา
อาชญากรรมดำดิน เอล ชาโป กุซมัน
25 การทรมานสุดโหดในประวัติศาสตร์
อัจฉริยะจอมโฉดมือระเบิดต่อเนื่องยูนาบอมเบอร์
เล่าเรื่องสยองขวัญ นั่งซากหวาดผวา ศพล่อเสือ
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5 ฆาตกรต่อเนื่องที่ยังคงลอยนวลอยู่
5 ผีปีศาจที่มาเยือนยามค่ำคืน
ตำนานผีญี่ปุ่น



6 ตำนานผีของภาคเหนือ
5 อันดับผีตามความเชื่อของคนอีสาน
10 ตำนานผีอาเซียนประเทศเพื่อนบ้านสุดสยอง
มนุษย์กินคนในตำนาน ซอว์นี่ บีน (Sawney Bean)
10 อันดับฆาตกรต่อเนื่องที่อำมหิตที่สุดในโลก
8 อันดับฆาตกรสุดโหดแห่งสยามเมืองยิ้ม
เล่าเรื่องสยองขวัญ แดนพิศวง
อลิซาเบธ บาโธรี่ เคานท์เตสกระหายเลือด



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เครื่องทรมานในอดีต
วิวาห์สังหารในอินเดีย ฆาตกรต่อเนื่อง 20 ศพ
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ย้อนรอยคดีซีอุยฆ่ากินเครื่องในเด็ก
ไขปริศนาใครคือแจ๊คเดอะริปเปอร์ (Jack The Ripper)
ย้อนรอยคดีพิศวาสฆาตกรรม นวลฉวีและศยามล
10 สถานที่สุดแห่งความสยองขวัญ
10 อันดับฆาตกรเด็ก
ปริศนามรณะตระกูลเคนเนดี้
แคทเธอรีน เฮย์ ต้นตำรับคดีฆ่าหั่นศพ
เดวิด เบอร์โควิทซ์ ฆาตกรต่อเนื่องแห่งนิวยอร์ค
คดีฆาตกรรมในโรงนาสีแดง (Red Barn Murder)
ยโศโฆษาฆาต ฆ่าเพื่อเกียรติยศของครอบครัว



anyaha

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Re: เพจรวมเรื่องสยองขวัญ
« ตอบกลับ #1 เมื่อ: กรกฎาคม 01, 2019, 12:55:12 AM »
ขายการ์ตูน pdf ออนไลน์ การ์ตูนแกล้งจุ๊บให้รู้ว่ารัก 12 เล่มจบ

สั่งซื้อการ์ตูน แกล้งจุ๊บให้รู้ว่ารัก 12 เล่มจบ ที่นี่



อาอิฮาระ โคโทโกะ ยื่นจดหมายรักให้กับชายในดวงใจที่อยู่ต่างห้องเรียนเป็นหนุ่มฮอตหน้าตาดีเรียนเก่งเป็นอัจฉริยะที่ชื่อ อิริเอะ นาโอกิ และถูกปฏิเสธในทันใด ทั้งๆ ที่ยังไม่ได้เปิดอ่านเลยสักนิด แต่จู่ๆก็เกิดอุบัติเหตุที่ชักนำให้โคโทโกะต้องไปอาศัยอยู่ที่บ้านของนาโอกิ ด้วยความต้อนรับของแม่ของอิริเอะที่เอ็นดูโคโทโกะมากและอยากให้มาเป็นสะใภ้ ในการสอบกลางภาค นาโอกิ ได้ติวเข้มให้กับโคโทโกะจนได้คะแนนอยู่ในระดับแนวหน้า เป็นเหตุให้ฏคโทโกะยิ่งเป็นปลื้มในตัวนาโอกิทวีคูณ



ความลับไม่มีในโลก ในที่สุดเพื่อนๆ ที่โรงเรียนก็ได้รู้แล้วว่า โคโทโกะ อาศัยอยู่บ้าน นาโอกิ เป็นเหตุให้เกิดเรื่องวุ่นชุลมุนแบบฉุดไม่อยู่ เหตุการณ์ในบ้านก็ใช่ย่อย เพราะแม่ของนาโอกิเจ้ากี้เจ้าการวางแผนจะให้ทั้งสองแต่งงานกัน แต่นาโอกิปฏิเสธอย่างแข็งขัน



เรื่องนี้สนุกตรงที่พระเอกซึนมากๆ ปากแข็ง พูดจาดูถูกนางเอกว่าโง่บ้าง ไม่ใช่สเป๊ค ตอนแรกๆ ก็ปฏิเสธนางเอกตลอดๆ แต่พออยู่บ้านเดียวกันไปนานๆ ก็หลงรักในความเปิ่นๆ โก๊ะของนางเอก แต่ก็ไม่ยอมรับจนนางเอกถอดใจจะไปรักคนอื่น พระเอกถึงได้รู้ใจตัวเอง สนุกจนนำไปทำเป็นซีรีย์ละครของไต้หวันและโด่งดังมากๆ



ตัวอย่างเล่ม 1 ลองดาวน์โหลดเลยค่ะ

แกล้งจุ๊บให้รู้ว่ารัก 01

https://drive.google.com/file/d/1bgkHhOy7cCvXpx3xRiKhkJRe5ip6OWOX/view?usp=sharing
























































































ดูรายชื่อการ์ตูนได้ที่ สั่งซื้อการ์ตูนตาหวาน PDF ขายการ์ตูนออนไลน์



ติดต่อแม่ค้า

ไลน์ fattycatty

อีเมล์ richyamazon@gmail.com


anyaha

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Re: เพจรวมเรื่องสยองขวัญ
« ตอบกลับ #2 เมื่อ: มีนาคม 08, 2020, 01:09:46 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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anyaha

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Re: เพจรวมเรื่องสยองขวัญ
« ตอบกลับ #3 เมื่อ: มีนาคม 08, 2020, 01:10:43 AM »
10 WAYS TO DERAIL AN AI PROGRAM
Despite big investments, many organizations get disappointing results from their AI and analytics efforts. What makes programs go off track? Companies set themselves up to fail when:
1. They lack a clear understanding of advanced analytics, staffing up with data scientists, engineers, and other key players without realizing how advanced and traditional analytics differ.
2. They don’t assess feasibility, business value, and time horizons, and launch pilots without thinking through how to balance short-term wins in the first year with longer-term payoffs.
3. They have no strategy beyond a few use cases, tackling AI in an ad hoc way without considering the bigpicture opportunities and threats AI presents in their industry.
4. They don’t clearly define key roles, because they don’t understand the tapestry of skill sets and tasks that a strong AI program requires.
5. They lack “translators,” or experts who can bridge the business and analytics realms by identifying high-value use cases, communicating business needs to tech experts, and  generating buy-in with business users.
6. They isolate analytics from the business, rigidly centralizing it or locking it in poorly coordinated silos, rather than organizing it in ways that allow analytics and business experts to work closely together.
7. They squander time and money on enterprisewide data cleaning instead of aligning data consolidation and cleanup with their most valuable use cases.
8. They fully build out analytics platforms before identifying business cases, setting up architectures like data lakes without knowing what they’ll be needed for and often integrating platforms with legacy systems unnecessarily.
9. They neglect to quantify analytics’ bottomline impact, lacking a performance management framework with clear metrics for tracking each initiative.
10. They fail to focus on ethical, social, and regulatory implications, leaving themselves vulnerable to potential missteps when it comes to data acquisition and use, algorithmic bias, and other risks, and exposing themselves to social and legal consequences.

5 TIPS TO PREPARE FOR YOUR PROPERTY SETTLEMENT
8 HABITS OF WEALTHY AND SUCCESSFUL PEOPLE
WHY MILLENNIALS CHOOSE TO BUY HOME

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Re: เพจรวมเรื่องสยองขวัญ
« ตอบกลับ #4 เมื่อ: มีนาคม 08, 2020, 01:11:06 AM »
Rules for emergency funds
Start building up your emergency fund, said Christine DiGangi in Credit.com. “It may not be the most fun budget category,” but emergency funds are an essential part of personal finance. First off, define “emergency.” The answer “may not be the same for everyone,” but one rule of thumb is to maintain separate accounts for “income emergencies,” such as job loss, and “expense emergencies,” like paying for unexpected repairs. Financial planners suggest stashing the cash in a dedicated savings account to avoid the temptation of simply writing a check, but “if you don’t like the idea of letting money sit in a savings account,” you might consider a CD or a Roth IRA. Be wary of early withdrawal fees, but the higher yields will be a nice bonus if you don’t have an emergency after all.

Negotiating a debt settlement
Sort out your debts like a pro, said AJ Smith in Credit.com. While “there are countless services out there” for settling debts, “it is possible to resolve this on your own.” Begin by making a list of your creditors, and then prioritize the bills with the highest interest or smallest balances. Collectors typically won’t settle unless the account is delinquent, but “there is no guarantee they will accept a settlement even if you stop paying.” Being up front about your inability to pay may encourage them to negotiate. Calculate the “percentage of the debts you are able to pay and the maximum you can afford,” factor in other expenses, and start negotiating with a lowball offer: 25 or 30 percent of the balance. This “sets the tone” and will help you score a more realistic settlement, ideally between 40 and 60 percent of the original debt.

Countering cash buyers
Don’t get beat by all-cash bidders, said Daniel J. Goldstein in MarketWatch.com. These days, all-cash deals are making the high-end housing market more competitive than ever. But for buyers who want to finance, there’s still hope. For example, some borrowers might combine “second mortgages home-equity lines of credit, and quick closings” to get a leg up. And since many all-cash bids come from overseas, the offers “can appear and disappear.” With a big down payment and some patience, “your financing-contingent offer still might have a shot.” And recruiting an expert—such as a real estate agent or a loan officer—can help you find sellers who are more “open to accepting bids with financing.”

The end of free checking
The age of free checking is fading, said Chris Morran in Consumerist.com. While U.S. consumers and businesses have $1.4 trillion stashed away—more than ever—in checking accounts, banks are limiting “the availability of unconditional free checking” and tightening their requirements, making it harder for many customers to avoid fees. Luckily, “there are still plenty of free checking accounts out there, but many of them are through smaller regional banks and credit unions.” Those institutions should be rewarded for continuing to offer a service that used to be—and still ought to be—a given. Consumers can do that “by moving their money, or putting it into interest-earning accounts so that they at least get something in return for allowing the bank to use their deposits.”

Curb your shopping enthusiasm
Stop overspending, said Donna Fuscaldo in FoxBusiness.com. If you’re hemorrhaging cash, one way to stanch the flow is to learn to keep your spending “triggers” in check. These days, “it’s easier than ever to hop online when we’re bored.” For compulsive shoppers, that can be dangerous, since “boredom or feeling stagnant is a common trigger.” Anxiety can also cause people to stress-shop, so “try other activities like taking a walk, chatting with a friend, or organizing a closet to regain some control.” And while “the idea of having to ‘keep up with the Joneses’ resonates” with many people, such insecurity can “drain our budgets.” One way to “prevent that trigger from turning into a bingeshopping spree is to set spending limits.” Try carrying only cash so you can better “fight the urge to use” your credit cards.

Retiring when self-employed
Can self-employed workers ever really retire? asked Michele Lerner in DailyFinance .com. Irregular income can make it difficult for self-employed people to save, but experts recommend they open a retirement account anyway. “You don’t have to fund it right away, but having it open will make it easier to contribute money when you do come into a windfall,” said Lule Demmissie of TD Ameritrade. Self-employed people also have a few special retirement options available to them, including SEP-IRAs, which have higher contribution limits than traditional and Roth IRAs, and Solo 401(k)s, which are ideal for self-employed workers with no additional employees.

How to switch bank accounts
Moving your money to a different bank “can be a huge hassle,” said Kristin Wong in Lifehacker .com. To make the process “as painless as possible,” start by finding the right bank, weighing your priorities and habits against balance requirements, fees, interest rates, and proximity to ATMs and branches. Before you close your old account, check for any unposted checks or scheduled payments to avoid incurring an overdraft fee. And don’t empty it right away. “Keep a small cushion in your old account until the transition is complete,” just in case. If you have set up automatic payments, remember to reroute them to your new account and “contact your employer and update your direct deposit info.” Once you think you’ve finished with your old bank, beware of “zombie accounts”: Some banks reopen recently closed accounts if a deposit is made, which can restart maintenance and minimum balance fees.

Index vs. actively managed funds
Torn between actively managed and index funds? asked Michael A. Pollock in The Wall Street Journal. The good news is you don’t have to choose. While “some investors swear” by one or the other, you can “  combine the two types of funds to achieve specific purposes.” Index funds are great for broad markets over long periods, but a skilled fund manager may be better for “less efficient market areas that don’t trade as actively and are slower to react to new information.” Indexes help you cash in on market rallies, while adding “a defensively minded active fund to your index holdings” can help “dial back overall volatility.” Some of both may be best.

Nailing your performance review
Don’t let your annual performance review “get you down,” said Daniel Bortz in CNN .com. These meetings offer “one of the few times of the year you get to chat with your boss about your career,” and you can use them to “set the stage for a big raise or promotion.” Submit a one-page self-evaluation before the review to set a baseline, summing up a handful of your contributions. Then “request a real critique” to get some useful feedback. Unfortunately, “budgets are typically set by the time of the review,” so don’t count on a raise. But ask for “details on the salary review process to help you prep for next year.” By finding out “how and when your raise was decided and who was consulted,” you’ll have a head start for the next review.

A very early 529 gift
Why wait until a child is born to start a 529 college savings plan? asked Peter S. Green in The Wall Street Journal. Anyone hoping to become a grandparent one day can open a 529 to “get the savings ball rolling early.” A future grandparent who designates the beneficiary as the future parent can contribute as much as $70,000 in a single year tax free (equal to five years’ worth of contributions at $14,000). When the infant arrives, the account can be transferred into his or her name. Starting early has major benefits: A 529 plan opened with an initial gift of $14,000, five years before a child is born, funded with $500 every month, and earning interest at 3 percent compounded monthly, would yield $226,784 by the child’s 18th birthday. The same plan started at birth would yield $167,336.

IRA and 401(k) changes in 2015
Some taxpayers will be able to save more in their retirement accounts next year, said Emily Brandon in USNews.com. The annual limit for 401(k)s and 403(b)s has been raised by $500, to $18,000. The IRA contribution limit has been left unchanged at $5,500, or $6,500 if you are 50 or older. Savers will also soon have a new account option: the myRA, the no-fee Roth IRA accounts offered by the Treasury Department and available later this year. The accounts are open to individuals who make less than $129,000 a year ($191,000 for couples) and are guaranteed to never lose value. And for those savers with several IRA accounts, a new rule takes effect Jan. 1 prohibiting more than one rollover from one IRA to another in any 12-month period.

Beware of power-sucking appliances
Don’t let “vampire appliances” bleed your bank account dry, said Catey Hill in MarketWatch.com. “Even when you’re not using electronics and appliances, they may still be sucking up energy” and costing you hundreds of dollars a year. Utility experts estimate that roughly 10 percent of the average household’s energy bill is thanks to power-sucking appliances. Flat-screen TVs are often the priciest power drain, and though it’s impractical to unplug your TV each day, one option is to buy an advanced power strip, which prevents electronics from using power when they’re not in use. At a cost of $15 to $30, the strips will “save you money in the long run.” Experts also recommend using the power strips to plug in video game consoles, cable boxes, laser printers, and small kitchen appliances.

The right way to rent textbooks
If the high cost of textbooks has you in a panic, consider renting, said Ann Carrns in The New York Times. The average cost of college textbooks and supplies is about $1,200 per year, but more-affordable alternatives are becoming more popular. Last semester, more than a third of students rented at least one textbook, up from a quarter a year earlier. When deciding whether to rent or buy, start by comparing prices, both at your campus bookstore and online booksellers like Chegg.com and Amazon. If you rent and are worried about late fees, text and email reminders can help you stay in the clear. And don’t forget that there are a few downsides to renting, including fees for any damage and the fact that you won’t “recoup any of your money by reselling the volume.”

Consolidating IRAs with a spouse
If you and your spouse are trying to merge a retirement account, forget it, said Liz Weston in Bankrate.com. Though spouses can inherit retirement accounts after a partner’s death, retirement accounts are ultimately “like credit scores. Each person has his or her own, and they can’t be merged after marriage.” But if you’re trying to make managing your retirement funds more, well, manageable, consider consolidating your family’s accounts to a single investment firm. “Not only will it be easier to manage and coordinate your investments, but some firms lower or waive fees based on how much a household has invested with them.” Vanguard, for example, waives one of its annual fees when a household has combined assets of $50,000 or more.

The cost of retail-branded cards
Stay away from store credit cards, said Mitch Lipka in DailyFinance.com. Though big signup discounts can make store-branded credit cards a tempting offer, a new survey released last week shows those initial savings will cost you—big time. The CreditCards.com survey found that the average retail card’s annual percentage rate was 23.2 percent—more than eight points above the average credit card’s interest rate, “and more than double what consumers with good credit can get.” That means that a cardholder with a $1,000 balance on a typical store-branded card who makes minimum monthly payments would spend more than six years paying off the debt, including $840 in interest. That’s a year longer—and more than twice as much in interest—than the same balance on the typical nonstore card.

The benefits of aging
There are more perks to turning 50 than just cheap movie tickets, said Lindsay Gellman in The Wall Street Journal, but surveys indicate that fewer than half of eligible seniors are taking advantage of them. Unlike their youthful counterparts, investors who have hit the half-century mark can bolster their retirement savings by making pretax “catch-up  contributions” of up to $23,000 annually to their 401(k) accounts, $5,500 more than investors under 50 are allowed. Seniors can also put up to $6,500 toward an IRA, $1,000 more per year than permitted for younger investors. And while 59 ½ is typically the age at which retirement distributions can be taken without incurring a 10 percent early withdrawal penalty, workers who retire, quit, or are laid off can tap an employer-based savings plan penalty-free beginning the year they turn 55.

Keeping wealth in the family
While you can’t take it with you, the wealth you leave behind may not last as long as you’d like, said Beth Pinsker in Reuters.com. Studies have shown that roughly 90 percent of families with at least $5 million in investable assets exhaust their estates within three generations. The main reason, according to new research from Merrill Lynch, is that many rich families have an “unreasonable expectation of how much they can withdraw and still have the money last.” It’s partly a math problem, as estate planners often don’t account for just how big families can get by the third or fourth generation, and thus fail to adjust distributions or lower expectations. Another major problem: Later generations rest on their laurels. “To make wealth last forever,” said study co-author Michael Liersch, “you’re probably going to need future generations to replenish that wealth.”

Cash floods the housing market
When it comes to home buying, cash is still king, said Doug Carroll in USA Today. Allcash home purchases accounted for one third of total sales in the first quarter this year, up from 29 percent in 2012. While speculators have been paying cash to snap up homes to rent or flip in recent years, the current trend is being driven by retirees and Baby Boomers who have been put off by the challenges of today’s mortgage market. Thanks to “decades of accumulated equity,” older Americans have the funds to buy a home outright or to buy rental property as an additional income stream during retirement.

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
HOW MUCH IS MY CAR ACCIDENT SETTLEMENT WORTH


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Re: เพจรวมเรื่องสยองขวัญ
« ตอบกลับ #5 เมื่อ: กันยายน 22, 2020, 12:30:55 AM »
Credit card perks disappear
Credit card account holders are accustomed to being showered with “an ever-expanding menu of perks,” said Herb Weisbaum in NBCNews .com. But card companies have begun reeling back “the buffet of free benefits,” owing to what they describe as the “low usage” of the perks. Discover, for example, began trimming its perks in February, getting rid of return guarantees, purchase protections, extended warranty protection, auto rental insurance, and flight accident insurance. This month, Chase will also remove price and return protection from its cards, along with a handful of travelrelated perks on selected cards. Citi is also pruning its travel-related perks on some cards as well as its return-protection scheme. Visit your card company’s website to check whether your individual card is affected.

Employers help with money problems
“Money stress can be as bad for workplace productivity as back pain,” said Beth Pinkser in Reuters.com. It’s for this reason that many companies have begun defining financial health as “the next frontier in workplace wellness.” In a recent survey by PwC, a quarter of U.S. workers said financial anxiety has led to personal health issues, 40 percent claimed finances have “distracted them” at work, and 15 percent cited money worries as a cause for work absences. In response, some organizations are providing a “robust menu of voluntary financial wellness benefits,” including debt management and budgeting as well as stressmanagement training. Others are offering cash relief of around $100 per month on student loan debts, and “discounted services for everything from car buying to pet insurance.”

How to get affordable legal help
“Sometimes it takes a lawyer,” said Anna Bahney in CNN.com. Financing a car purchase, signing your first apartment lease, reviewing an employment contract, or navigating the aftermath of an auto accident—these are moments when engaging a lawyer could be very helpful. For those intimidated by the potential cost of legal assistance, the website Avvo Advisor offers a 15-minute phone-call service that connects you to a lawyer to answer any of your legal queries for $39. The site Legal Zoom is another option, acting as a broker to provide you with a range of legal services for a flat fee. And at the website UpCounsel, visitors write a description of the legal help they need, and lawyers can then respond with their credentials and an estimated fee.



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Re: เพจรวมเรื่องสยองขวัญ
« ตอบกลับ #6 เมื่อ: กันยายน 28, 2020, 12:37:19 AM »
An unspoiled Belizean paradise revisited
“Words can be powerful—even stupid words in a travel magazine,” said David Ewing Duncan in Outside. That’s what I told my teenage son, and it’s what worried me as we flew toward Belize several months ago. Twenty-six years earlier, I had written a piece in Cond? Nast Traveler that spilled the secret about Ambergris Caye, a Belizean island that at the time was a sparsely populated Shangri-la where a fly fisherman could haul out a tarpon on the first cast and scuba divers could spend time alone with one of the finest coral reefs in the world. Other writers followed my lead, and before long, hotels popped up on Ambergris Caye, flights to Belize multiplied, and cruise ships began dropping passengers at the reefs. I needed to get back to witness what I’d done.


From the air, most of the small coastal islands looked unchanged—a splattering of dark-green blobs against “a blue so intense it looked radioactive.” Ambergris Caye’s main town had grown significantly, though, and on the beach stood “a nearly unbroken progression of white bungalows and hotels.” One of them was Ramon’s Village Resort, the upgraded version of the place I had stayed at years before. The property’s thatched huts had been replaced by air-conditioned bungalows and a pool shaped like a stream. But when a beauty pageant filled the grounds with local families that night, “I didn’t have to ask if they preferred this life to the ‘paradise’ of palm trees and huts” I’d once written about. Clearly, their new day-to-day greatly pleased them.

The reef’s colors were dazzling when we dove the next day, but tourists had virtually stripped it of conch shells, and the fish population had declined too. Still, we saw a range of species, and Alex caught his first triggerfish the next day on a fly rod. By then, I was beginning to realize that blaming myself for any changes in Belize was as ridiculous as thinking I could capture life as it exists there after just a short visit. “My quick impression was that the wonder remained,” though. “New roads, bars, and hotels hadn’t ruined the  place, even if the conchs were gone.”

India’s tranquil south
Several hundred miles south of Mumbai lies “a totally unexpected India,” said Maria Shollenbarger in Cond? Nast Traveler. I discovered it on my first visit to the country, following the advice of a friend whose mother hails from the bustling capital. She recommended a road trip from Coorg to Kasaragod, two appealing districts in South India that turned out to be connected by a threeplus-hour drive through “monumentally beautiful” territory. The two ends of the journey differ greatly in topography and climate, but both “exemplify everything that is wonderful about traveling the rural byways of the subcontinent.”


Coorg is known as the Scotland of India. A swath of rain forest sitting atop a mountain range known as the Western Ghats, the district “has recently emerged as a high-altitude redoubt for India’s new elite, who come from the searing urban ovens of Bangalore and Chennai to hike, mountain bike, and inhale the oxygen-rich air.” It can be a pleasant shock to finish the challenging six-hour drive from Bangalore by stepping into the Vivanta resort in Taj Madikeri and looking across the open-air lobby and an infinity pool to the “astonishing” vista—“mountain after lushly forested mountain as far as the eye can see.”

A half-day’s drive on a “dizzyingly spectacular” road brought me down from the mountains a few days later. Passing waterfalls and painted temples, I rolled across the fertile plain that runs to the Arabian Sea. After a night at a beachfront boutique hotel, I took a room aboard the Lotus, a converted rice barge that ever so slowly plies an “eminently photogenic” backwater a half-mile inland. We stopped the first evening at a village where locals were preparing for a ritual worship known as the Theyyam festival. Smoke rose from braziers, “whirling up past the pale-pink buildings of the temple complex and into the faded sky,” while coals were lit for a worshipper to walk across. Before I fell asleep, I sat on the roof of the Lotus, listening to prayer calls while the village’s electricity occasionally flickered off and revealed “a sky extravagantly painted with stars.” In India, of all places, I’d found “a perfect distillation of solitude.”

Embracing the passions of Seville
Twenty years after I first passed through Seville, I have finally returned—“lured by a few mental postcards,” said Andrew McCarthy in Travel + Leisure. In just one night, the 2,200-year-old capital of southern Spain’s Andalusia region had imprinted on my memory a handful of images: a young woman in a bar who spontaneously danced the flamenco; a jasmine-scented piazza; a photograph of a statue of the Virgin Mary with crystal tears on her cheeks. “Like all places of real interest, Seville thrives on contradictions.” It’s a Catholic city defined by its 15th-century Moorish architecture. It’s home to 700,000 but “can seem like a small town.” I get to know the soul of the place not by chasing my old memories but by letting its rhythms guide me.


Despite its “jumble of ancient, narrow lanes,” Seville is “an easy city to settle to.” Sitting in the oldest tavern in town one night, I savor paper-thin slices of cured ham cut in front of me by my waiter but enjoy even more how he scribbled my tab right on the wooden bar where I sat. Behind the bar hangs a photo of that crying Mary, an image as prevalent in the city’s bars as flamenco. People sometimes deride flamenco as merely a tourist enticement. But in Triana, a working-class neighborhood on the west bank of the Guadalquivir River, midnight brings out the local dancers in bar after bar. At 3 a.m., “a lone guitarist strums a ferocious beat” while the crowd claps along and couples execute an erotic version known as sevillana.

Bullfighting is still big here, too. Some 14,000 passionate people pack the main arena the night I attend, and the drama that unfolds makes the ancient spectacle feel “deeply personal and alive.” But it’s a quest for marmalade that ends up completing my journey. Walking away from the convent that sells it, I follow my feet until I find myself inside the Bas?lica de la Macarena. A priest is presiding over a wedding at the altar, and as I turn to leave, I spot her hovering above the young couple: Without even looking, I have come face to face with St. Mary of the crystal tears.

Biarritz—France’s hip surf spot
Biarritz isn’t Cannes or St.-Tropez, said Luke Barr in Travel + Leisure. A century after its initial heyday, this resort town on southwestern France’s Atlantic coast is “a less polished place” than those C?te d’Azur enclaves—both “a little wild” and “a little young.” One grand beachside hotel remains from Biarritz’s pre–World War II golden era, but there are “no mega-yachts floating in the harbor here,” no private beach clubs or “Lamborghinis stuck in traffic.” The new Biarritz is a surfer’s town, trading again on its stunning landscape and churning, powerful waves. More than a decade into its rebirth, it has become a bohemian hot spot, but is in no danger of smothering the laid-back charm that brought it back from the dead.


I visited with my wife and children recently, and every day we hit a different beach. Some, like the Grande Plage, were “mad carnivals of blazing heat and people and sand.” Others, like Plage Marbella, were “quiet narrow strips backed by cliffs.” But all had sections for surfers, and the waves we watched them ride were aweinspiring. “Like any self-respecting French town, Biarritz is full of excellent bakeries, confiseries, butchers, ?piceries, food shops of all kinds,” and we walked the streets in the late afternoons, settling in for out outdoor meals built around fresh seafood and accented by such Basque Country touches as stuffed hot peppers and marinated anchovies. We regularly wandered just down the coast to Gu?thary, a small village that sits on a bluff. There we had the small beaches practically to ourselves, and hung out at Providence, an “art gallery/surf shop/boutique/caf?” run by a bearded video and music producer.

One afternoon, we meandered past Providence and settled at Heteroclito, “a bright colorful place with a hippiejunk-shop aesthetic.” Surfer Patrick Espagnet opened the bar 22 years ago, and he assured us as we sat on the terrace that the area’s resurgence hadn’t changed its essential spirit. He was right. “The sun was setting, the light was softer, and we could see a few surfers out on the water, catching the last waves of the day.”

Sochi—Russia’s oddly inappropriate Olympic city
The Black Sea port that will host the Winter Olympics next month has been effectively made over “from head to toe to soul,” said Andrea Sachs in The Washington Post. Long the “Summer Capital of Russia,” Sochi never before bothered to cut ski slopes into the surrounding Greater Caucasus Mountains, perhaps because the city’s movers and shakers were too busy enjoying the warm breezes and sunshine that sustain the area’s palm trees and tropical fruit trees. But Russian President Vladimir Putin had a dream of using the Olympics to transform Sochi into a year-round international resort, and neither the climate nor the threat of terrorism could turn back his bulldozers and cranes. Even a month before a pair of December terrorist bombings killed 32 people in Volgograd, military vessels were patrolling the waters off Sochi’s fabled coast.


I arrived during “anti-terrorism week”—a stretch of November when bombings were still a hypothetical and Sochi’s seaside promenade supported a genial outdoorcaf? scene that felt “more South of France than southwest of Siberia.” But the city was changing before our eyes: Buildings seemed to vanish overnight, replaced by new streets, new bus stops. Within weeks, the Olympic Village and skating events will take over a section of the waterfront, while new trains will transport skiers, bobsledders, and their fans from a new train station through a new tunnel to a new alpine resort about 40 miles away. When I visited, the bases of the slopes were still “loud, messy, and muddy.” But a pristine tram lifted me high above the construction mayhem all the way to the Gornaya Karusel resort’s spectacular 7,283-foot peak.

I eventually spent a full day alone in Sochi without Russian interpreters and guides. I’d already visited a local tea plantation, and found myself on one of those trains, enjoying its cleanliness and quiet. Everything around me was new, except the one feature outside my window that grabbed and held my attention—“the Black Sea, which has soothed Russians’ souls during good periods and bad, from time immemorial.”

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