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Mergers and Acquisitions of Companies

Mergers and Acquisitions of Companies
External development is a form of business growth that results from the acquisition , participation, association or control of a company, companies or assets of other companies, expanding their current businesses or entering new ones. The term used in business jargon is M&A, which comes from Mergers and Acquisitions.

The reasons for a company to decide on external development (mergers, acquisitions, alliances ...) compared to the internal one has its origin in different causes that we will comment on in this definition.

Reasons for mergers and acquisitions
We will highlight the economic and market power reasons.

1. Economic reasons
Cost reduction : Through economies of scale and / or economies of scope through the integration of two companies whose productive and commercial systems are complementary to each other, generating synergies.
Get new resources and capabilities by joining or acquiring another company.
Replacement of the management team : It usually happens that, when management is replaced, there is a greater increase in value.
Obtaining tax incentives that can increase the benefits of acquisitions and mergers, due to the existence of exemptions or bonuses.

2. Motives for market power
It may be the only way to enter an industry and / or a country , as it has strong entry barriers.
When mergers and acquisitions are horizontally integrated , an increase in the market power of the resulting company is sought and, consequently, a reduction in the level of competition in the industry
.
When mergers and acquisitions are vertically integrated, companies that operate at different stages of the production cycle are integrated , the objective is to immediately achieve the advantages of vertical integration , both backwards and forwards.

Types of external development
The types of external development are:
The merger of companies : Integration of two or more companies so that at least one of the originals disappears.

The acquisition of companies : Operation of purchase and sale of packages of shares between two companies, keeping the legal personality each of them.

Cooperation or alliances between companies : Intermediate formula, links and relationships are established between companies, without loss of legal personality of any of the participants, who maintain their legal and operational independence.

Depending on the type of relationship established between the companies, they can be classified into:

Horizontal: The companies are competitors among themselves and belong to the same industry.
Vertical: Companies are located in different phases of the complete cycle of exploitation of a product.
Conglomerates: Companies have very different activities from each other.

Types of mergers
They are unions between two or more companies, with the loss of legal personality of at least one participant.

1. Pure fusion
Two or more companies of an equivalent size, agree to join, creating a new company to which they contribute all their resources; dissolving the primitive companies. (A + B = C)

2. Merger by absorption
One of the companies involved (absorbed) disappears, integrating its assets into the absorbing company. The absorbing company (A) continues to exist, but accumulates to its equity the corresponding to the absorbed company (B).

3. Merger with Partial Contribution of Assets
A company (A) contributes only a part of its assets (a) together with the other company with which it merges (B), either to a new company (C) that is created in the merger agreement itself, or to another pre-existing society (B), which is thus increasing its size (B '); it is necessary that the company contributing assets (A) does not dissolve.

Business Acquisitions Financing
The participation or acquisition of companies takes place when a company buys part of the capital stock of another company, with the intention of totally or partially dominating it.

Acquisition or participation in companies will give rise to different levels or degrees of control depending on the percentage of share capital of the acquired company in its possession and according to the way in which the rest of the securities are distributed among the other shareholders: large packages of shares in the hands of very few individuals or a large number of shareholders with little individual participation.

The purchase of a company can be done through a conventional purchase-sale contract, but in recent decades, two financial formulas have been developed:

Purchase using financial leverage or Leveraged Buy-Out (LBO) .
Public offer for the acquisition of shares (OPA).

1. Buying through financial leverage (LBO)
Buying through financial leverage (LBO) consists of financing a significant part of the acquisition price of a company through the use of debt.

This debt is secured, not only by the buyer's equity or creditworthiness, but also by the assets of the acquired company and its future cash flows. So after the acquisition, the debt ratio tends to reach very high values.

It may be the case that the purchase is made by the same managers of the company to be acquired. In this case we are facing a purchase by management or Management Buy-Out (MBO). The reason why they decide to launch an offer on the company they work for is to put the company in the right direction.

2. The public offer for the acquisition of shares (OPA)
The public offer for the acquisition of OPA shares occurs when a company makes an offer to purchase all or part of the capital stock to the shareholders of another listed company under certain conditions.

see also finance and business knowledge

What is Purchasing Department

What is Purchasing Department
The purchasing department is the section of a company responsible for all activities for the business acquisition financing of raw materials, spare parts, services, etc., as required by the organization. It provides a service that is the backbone of many industrial, retail, and military organizations.

Ensures that supplies necessary to operate the business are ordered and kept in inventory. This department is at the center of successful supply chain management, and is responsible for minimizing the cost of ordered products, controlling inventory levels, and establishing strong relationships with suppliers.

A good purchasing department will demand quality from suppliers and will follow up on orders from the beginning to the reception. Help other departments identify needs, manage the requisition process, and obtain competitive prices. They usually act as controllers to ensure compliance with budgets.

Characteristics
Act as trusted advisers to senior management
The purchasing department is involved in corporate planning and budgeting at a high level. This makes it possible to design reverse engineering costs and explore potentially less expensive and / or higher quality alternatives.

Drive supplier innovation
More than just demanding the lowest price, the purchasing department works with suppliers to reduce the underlying cost of their products and services. They are intimately involved with "the life cycle of innovation", from initial idea to manufacturing and continuous improvement.
Provide insight into key vendor data
Companies can draw on this information to create predictive analytics, providing a deeper insight into markets.

Manage and mitigate supply chain risk
Economic crises have taught the value of being aware of the stability of suppliers. The purchasing department has a much clearer view of that area than any other part of the organization.

Promote agile staffing and talent development
It is necessary to cross functional and geographic boundaries to find the right candidates for the purchasing department.
In some cases, the answer is in outsourcing or using shared service organizations.

Features
Obtaining materials
For a manufacturing company this could include raw materials, but it could also include tools, machinery, or even the necessary office supplies for the sales team and secretaries.
In a retail business, the purchasing department must ensure that there are always enough products on the shelves or in warehouses to keep the store well stocked.
It is especially important to keep your inventory warehouse at a reasonable level. Overinvesting large amounts of money in inventory could lead to stock problems and a lack of capital for other types of expenses, such as research and development, or advertising.

Evaluate prices

A purchasing department is in charge of continuously evaluating whether you are receiving the materials at the best possible price, in order to maximize profitability.

You need to compare prices so that you can find the best suppliers with the most sensible prices for company-specific size orders.

The purchasing department can contact alternate vendors, negotiate better prices for higher volume orders, or inquire about the possibility of obtaining lower priced products from a variety of other sources.

Vendor pre-approval
The purchasing department evaluates suppliers in terms of price, quality, customer opinions and time to complete orders, producing a list of approved suppliers.

Track orders
Orders are documented with purchase order forms. These specify important information about the materials ordered, as well as the quantity ordered.

These forms are used to ensure that ordered products are received and to track the time it takes for orders to complete.

Office work
The purchasing department handles all the documentation related to the purchase and delivery of the materials.

This means working closely with your accounting department to ensure that there is enough money to purchase items, that cash flows smoothly, and that all payments are made on time.

Policy compliance
Before making a purchase, the purchasing department has to ensure that it complies with the formalities for the acquisition and approval of the budget, and it must ensure that the materials are purchased following the general policy of the organization.

Importance
Get lower costs
The purchasing department plays an important role in maximizing business profits. Compare prices and negotiate with suppliers so that the company obtains the best possible price on the necessary products.

You can also provide savings by taking advantage of guarantees and discounts that non-specialists generally forget.

It helps to save, providing better transparency in company spending. This will allow you to negotiate better contracts and free up cash flow.

Prevent insufficient materials

The purchasing department has to identify which products are critical to the business and take appropriate measures to protect its supply chain.

To ensure that insufficient materials do not affect productivity, the purchasing department uses techniques such as multiple sourcing.

Having multiple sources means using multiple vendors that offer the same products. If there is a problem with one supplier, orders can be increased to another to compensate for the failure.

Improve quality
The purchasing department helps improve quality by setting performance goals. Then it tracks actual performance against those goals.

It is critical to measure quality characteristics using indicators for attributes, such as durability, product appearance, or timeliness of delivery.

They work closely with suppliers to develop their processes and help them improve quality.

Manage relationships

The challenge for the purchasing department is to get the supplier interested in working with the company. Make the supplier invest in a long-term relationship.

The department also has to manage relationships within the company. You have to work with internal stakeholders, such as marketing, finance, logistics, and distribution, to ensure that they are all aligned.

Seek innovation
Because the purchasing department is always in contact with a variety of external businesses, it is in an ideal position to acquire innovative products that can provide a competitive advantage to the business in terms of price, quality or convenience.

see also finance and business knowledge

What Is a Structured Settlement Annuity

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

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

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

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

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

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

Frequently Asked Questions

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

About Settlement Quotes

What makes Settlement Quotes services unique in the market?

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

About Selling Your Annual Structured Settlement

What is an annual structured settlement?

Is it legal to sell your structured settlement payments?

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

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

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

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

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

The sale and transaction with a financier are risk free?

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

Is It Legally Allowed To Sell Workers' Compensation Payments?

About the Bidding Process

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

How long will it be until you receive the quotes?

How many quotes do you receive from Settlement Quotes?

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

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

How long do you have to accept an offer?

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

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

About the selling process and getting your money

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

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

About Settlement Quotes

What makes Settlement Quotes services unique in the market?

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

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

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

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

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

From an insurance company

As a result of a lawsuit or insurance settlement

Payments of any guarantee or life contingencies

Not as a result of a workers' compensation claim

We DO NOT offer quotes on:

Workers' compensation payments

Payments for a minor

Pensions

Social security payments

TIAA CREF payments

Mortgages

Pre-settlement cases

Settlement of travel expenses

VA disability or pension

Other disability payments

About Selling Your Structured Settlement Annuity

What is a structured settlement annuity?

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

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

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

Is it legal to sell your structured settlement payments?

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

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

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

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

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

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

The judge must issue a court order approving the sale.

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

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

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

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

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

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

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

You can sell part or all of your payments.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

The sale and transaction with a financier are risk free?

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

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

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

Is It Legally Allowed To Sell Workers' Compensation Payments?

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

About the Bidding Process

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

To start the bidding process,

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

OR

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

How long will it be until you receive the quotes?

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

How many quotes do you receive from Settlement Quotes?

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

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

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

We guarantee:

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

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

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

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

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

How long do you have to accept an offer?

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

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

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

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

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

About the selling process and getting your money

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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10 สุดยอดตำนานเมือง

จาก Bloody Mary ไปจนถึง "แมงมุมกัด" ตำนานเมืองได้สร้างแรงบันดาลใจให้กับหนังสือและภาพยนตร์ที่น่าขนลุกนับไม่ถ้วน - James Dawson แบ่งปัน 10 เรื่องโปรดของเขาและสำรวจรากและอิทธิพลของพวกเขา

เรื่องผีที่ไม่มีผี ตำนานเมืองเป็นเทพนิยายสมัยใหม่ เช่นเดียวกับหนูน้อยหมวกแดงและโกลดิล็อคส์ที่เผยแพร่โดยประเพณีปากเปล่า ตำนานเมืองก็แพร่กระจายด้วยคำพูดจากปากต่อปาก ทำให้เกิดนิทานพื้นบ้านร่วมสมัยซึ่งมักมีศีลธรรมที่หาง มาเผชิญหน้ากัน การค้างคืนจะไม่สมบูรณ์หากไม่มีเรื่องน่าสะพรึงกลัวใต้แสงเทียนอย่างน้อยหนึ่งเรื่อง

เช่นเดียวกับนิทานพื้นบ้านดั้งเดิม ตำนานสมัยใหม่ได้รับการประดับประดาหรือเปลี่ยนแปลงเมื่อมีการเล่าขานกันใหม่ ส่วนใหญ่ยังคงบอกด้วยวาจาเกี่ยวกับมาร์ชเมลโลว์และช็อคโกแลตร้อน แต่มีการบันทึกบางส่วน ผู้เขียนหลายคนได้ดัดแปลงตำนานเมืองให้เป็นแรงบันดาลใจสำหรับนวนิยายหรือภาพยนตร์

นวนิยายเรื่องใหม่ของฉัน Say Her Name เป็นเวอร์ชันของฉันเกี่ยวกับตำนานเมืองที่มีชื่อเสียงที่สุดของพวกเขาทั้งหมด คำสาป "บลัดดี้แมรี่"

ฉันอยู่ไกลจากคนเดียวอย่างไรก็ตาม ที่นี่ฉันนำเสนอ 10 ตำนานเมืองที่น่ากลัวที่สุดและตรวจสอบรากและอิทธิพลของพวกเขา

1. บลัดดี้ แมรี่
บางทีอาจเป็นตำนานสมัยใหม่ที่โด่งดังที่สุด เรื่องนี้ชี้ให้เห็นว่า หากคุณมองเข้าไปในกระจกแล้วพูดว่า "บลัดดี้ แมรี่" หลายครั้งตามที่กำหนด บางอย่างจะเกิดขึ้น เป็นสิ่งที่ตำนานไม่เห็นด้วย ในเวอร์ชันแรกสุด ผู้หญิงที่ยังไม่แต่งงานจะเห็นใบหน้าของสามีในอนาคตในกระจกหรือกะโหลก หากเธอถูกลิขิตให้ตายก่อนแต่งงาน

สิ่งนี้พัฒนาไปสู่บางสิ่งที่นองเลือดมากขึ้น - กลุ่มที่เรียกวิญญาณที่มีเลือดออกหรือแม่มดชื่อแมรี่ มีการเชื่อมโยงบางอย่างกับ Queen Mary I เนื่องจากเธอประสบกับการแท้งบุตรหลายครั้งในรัชสมัยของเธอ
เรื่องราวได้รับอิทธิพลอย่างมหาศาล กระจกเงาและภาพสะท้อน ซึ่งเป็นสิ่งประจำในวรรณคดีลึกลับที่เล่นในภาพยนตร์เรื่อง The Forbidden ของไคลฟ์ บาร์เกอร์ ซึ่งต่อมาเป็นภาพยนตร์เรื่อง Candyman ขณะที่ริงกุโดยโคจิ ซูซูกิ ใช้กระจกแทนเครื่องรับโทรทัศน์ X Files และ Supernatural จัดการกับตำนานของ Mary บนหน้าจอโดยตรง

ปีนี้ไม่ได้มีแค่นิยายสองเล่มที่เล่าเรื่องราวในตำนาน นั่นคือ Say Her Name ของฉันเอง และ The Summoning เวอร์ชั่นอเมริกา

2. แมงมุมกัด
อาจเป็นหนึ่งในตำนานเมืองที่ "มีความเชื่อ" มากกว่านี้ เรื่องนี้บอกเล่าเรื่องราวของคนหนุ่มสาว ซึ่งมักจะเป็นผู้เดินทางไปยังสถานที่ห่างไกล ซึ่งถูกแมงมุมและ/หรือมดกัด เมื่อกลับถึงบ้าน เหยื่อประสบกับ "การฟักไข่" โดยที่ลูกแมงมุมและ/หรือมดจะโผล่ออกมาจากใต้ผิวหนังของพวกมัน
FYI – สิ่งนี้เป็นไปไม่ได้ทางกายภาพ แต่ก็ไม่ได้หยุดปรสิตวิทยาที่เป็นคุณลักษณะที่กำหนดของประเภทสยองขวัญร่างกายตั้งแต่ Alien และ Wrath of Kahn ไปจนถึง Dreamcatcher ของ Stephen King และ The Host ของ Stephenie Meyer

3. คนเกี่ยวเบ็ด
ต้องมีแคมป์ไฟอีกเรื่องหนึ่ง เรื่องนี้นำเสนอคู่หนุ่มสาวที่มีความรักออกมาเพื่อขับรถเมื่อวิทยุแจ้งพวกเขาว่าคนบ้าที่ติดเบ็ดได้หลบหนีออกจากสถาบันในท้องถิ่น ทั้งคู่กลับบ้านไปหาตะขอที่ฝังอยู่ที่ท้ายรถ หรือไม่ก็ตัวหนึ่งถูกแขวนไว้เหนือรถโดยใช้นิ้วขูดกับหลังคา

ในเวอร์ชันดั้งเดิมของนวนิยาย I Know What You Did Summer ที่แล้วโดย Lois Duncan นักฆ่าใช้ปืน แต่เวอร์ชันภาพยนตร์โดย Kevin Williamson นำเสนอชาวประมงมือหนึ่งที่ก้มหน้าก้มตาเพื่อแก้แค้น Candyman ยังมีตะขอสำหรับมือ

4. อาหารประหลาด
เมื่อเร็ว ๆ นี้ ชาวอินเทอร์เน็ตที่ไม่พอใจถูกกล่าวหาว่าร้านอาหารจานด่วนยอดนิยม KFC กำลังเพาะพันธุ์ไก่ดัดแปลงพันธุกรรมสำหรับเบอร์เกอร์ของพวกเขา ในขณะที่ "ภาพช็อก" ถูกเปิดเผยอย่างรวดเร็วว่าเป็นของปลอม แต่มีเพื่อน Facebook ของฉันมากกว่าหนึ่งคนถูกลักพาตัวไป

อาหารมักตกเป็นเหยื่อของตำนานเมือง – เบอร์เกอร์ของ MacDonald ทำมาจากไส้เดือนจริงหรือ? การผสมขนมป๊อปปิ้งและป๊อปฟองจะทำให้คุณระเบิดหรือไม่? อย่าลืมข่าวลือเรื่อง "เนื้อสุนัขซื้อกลับบ้าน" ที่ยืนต้น

อาหารเป็นศูนย์กลางของชีวิตเรา จึงไม่แปลกที่อาหารจะเป็นหัวใจของนิยายของเรา The Hunger Games นำเสนอเด็ก ๆ ที่เต็มใจจะฆ่าเพื่อกินอาหารตลอดชีวิต ในขณะที่ Soylent Green (จากนวนิยายเรื่อง Make Room, Make Room ในปี 1966) ดำเนินไปอีกขั้นหนึ่งและแนะนำว่าอีกไม่นานเราจะกินคน เช่นเดียวกับใน The Savages ของ Matt Whyman

5. เลียมือ
ในเรื่องที่เป็นที่นิยมนี้ เด็กสาวที่หวาดกลัว (หรือบางครั้งก็เป็นหญิงชรา) ฟังเสียงน้ำหยดจากภายในบ้านของเธอ เธออุ่นใจเมื่อได้เห็นสุนัขผู้ซื่อสัตย์ของเธอที่เลียมือของเธอจากใต้เตียง ในที่สุด เธอตรวจสอบเสียงนั้นเพียงเพื่อจะพบว่าสุนัขของเธอถูกฆ่าและมีข้อความที่เขียนด้วยเลือดว่า "มนุษย์ก็เลียมือได้เช่นกัน"
จริง ๆ แล้วเรื่องนี้นำมาจากเรื่องราวของ MR James ก่อนหน้านี้ที่เรียกว่า 'The Diary of Mr Poynter' ซึ่งตัวละครต้องประสบชะตากรรมที่คล้ายคลึงกัน

6. ขโมยไต
ในเรื่องนี้ ชายหนุ่มคนหนึ่งถูกหญิงสาวสวยล่อลวงหรือจ่ายค่าคุ้มกัน เช้าวันรุ่งขึ้น เขาตื่นขึ้นในอ่างอาบน้ำที่เต็มไปด้วยน้ำแข็งและพบว่าไตข้างหนึ่งของเขาถูกนำออกไปขายในตลาดมืด คุณธรรมชัดเจนกว่านี้ไม่ได้จริงหรือ?

การเก็บเกี่ยวอวัยวะเป็นแก่นของนิยายสยองขวัญจากเรื่อง Never Let Me Go ของ Ishiguro ไปจนถึง Unwind ที่ยอดเยี่ยมของ Neal Shusterman

7. ที่ตั้ง ที่ตั้ง ที่ตั้ง
ในฐานะที่เป็นคนที่กระตือรือร้นที่จะขึ้นบันไดของอสังหาริมทรัพย์ ฉันไม่รู้ว่าจะต้องกังวลแค่ไหนที่จะตรวจสอบว่าบ้านของฉันสร้างขึ้นบนอะไร แต่คุณอาจต้องการให้นักสำรวจตรวจสอบ ทุกคนรู้ดีว่าบ้านที่สร้างจากหลุมศพจะต้องถูกสาปใช่ไหม? แม้ว่าสุสานฝังศพแบบอินเดียโบราณจะมีไม่มากนักในสหรัฐอเมริกา แต่ก็มั่นใจว่ามีหลุมศพจำนวนมาก

ตั้งแต่ The Shining and Pet Cemetery ของ Stephen King ไปจนถึง Poltergeist คลาสสิกของฮอลลีวูดและแม้แต่ Buffy the Vampire Slayer ข้อความก็ชัดเจนมาก อย่ามัวแต่มองบ้านก่อนตัดสินใจซื้อ ให้มองเข้าไปข้างในด้วย

8. ตัวอักษรลูกโซ่
คุณรู้อันนี้ คุณได้รับคอมมูนิเก้ที่แนะนำถ้าคุณไม่ส่งต่อให้คนอื่นอีก 5 คน ผลลัพธ์ที่เลวร้ายจะเกิดขึ้น ตำนานเมืองนี้ดูเหมือนจะทำนายการตลาดแบบปากต่อปากได้ประมาณยี่สิบปี

แนวความคิดของจดหมายลูกโซ่มฤตยูได้รับการสำรวจได้ดีที่สุดในจดหมายลูกโซ่ของคริสโตเฟอร์ ไพค์ แต่แนวคิดเรื่องข้อความสาปแช่งก็มีการสำรวจเช่นกันในเรื่อง The End of Mr Y ของ Scarlet Thomas และ Harry Potter และห้องแห่งความลับ

9. สายเรียกเข้าจากภายในบ้าน
คุณธรรมนั้นชัดเจน: ผู้หญิงปกป้องลูกของคุณ รูปแบบของสิ่งนี้ทำให้พี่เลี้ยงเด็กถูกทรมานโดยการโทรศัพท์ขู่ซึ่งกลับกลายเป็นว่ามาจากภายในบ้าน เด็กที่อยู่ในความดูแลของเธอมักถูกฆ่าตาย
ความผันแปรของเรื่องนี้มีอยู่ทุกหนทุกแห่ง โดยเฉพาะในเรื่อง Point Horrors The Babysitter โดย RL Stine และ Mother's Helper โดย A Bates Kevin Williamson แสดงความเคารพในซีรีส์ Scream เช่นเดียวกับฉันใน Hollow Pike

ด้วยความก้าวหน้าทางเทคโนโลยีโทรศัพท์มือถือคาดว่าสิ่งนี้จะพัฒนาไปสู่ความสยองขวัญหรือฆาตกรจาก Snapchat โดยใช้ Tinder เพื่อติดตามเหยื่อของพวกเขา

10. ชายเรียว
ตำนานสมัยใหม่ที่ทันสมัยอย่างแท้จริง Slender Man เริ่มต้นทางออนไลน์โดยเป็นส่วนหนึ่งของการแข่งขันกับรูปภาพ Photoshop เพื่อรวมองค์ประกอบที่เหนือธรรมชาติ ผู้ใช้ 'Victor Surge' ได้เพิ่มรูปที่เหมาะ ไร้ใบหน้า และสูงอย่างผิดปกติลงในภาพถ่ายขาวดำสองภาพ ซึ่งคัดลอกและเผยแพร่แบบไวรัลผ่านเน็ต

ตั้งแต่นั้นมา ผู้เขียนหลายล้านคน ซึ่งส่วนใหญ่ออนไลน์ ได้แบ่งปันและเผยแพร่เรื่องราวบนเว็บไซต์เช่น Creepypasta MO ของ Slender Man คือการลักพาตัวผู้คน ซึ่งมักจะเป็นเด็กๆ ที่ดูเหมือนจะเต็มใจไปกับร่างที่ไม่มีใครเห็นอีก ทำให้เขากลายเป็น Pied Piper เวอร์ชั่นที่น่าสะพรึงกลัว