Another look at Term Life Insurance

For a time I did buy term life insurances. It was a short term protection we decided to take because of the uncertainties of life. But these types of life insurances are viewed by many as a waste of money, to some extent. According to Advantage Quotes Life Insurance:

The objections that consumers have had with term life insurance is that they pay all this money into the policy and at the end of the term they get nothing.

I took out a one-year term life insurance and paid the premium then nothing happened. Not that I was praying for something to happen to me. Well, at least I was “covered” for a year. A small price to pay for security.

By definition Term Life Insurance is a plan that provides death benefit protection only and for a specified period of time, hence, the word term. The policy pays benefits only if the insured dies during the term. For a time that was the way how these insurances worked.

What if you took out a term life insurance with a return of premium option? Sounds interesting, right? How does this grab you?

Return of Premium life insurance gives you the coverage you need when you need it most but at the end of the policy period you receive all of your premiums back.

Find out if a Return of Premium life insurance is the right fit for you. Go to their calculator to get a quote and compare their choices of terms.

 

Making your home look good with simple upgrades

Everyone wants to look good. Yes, even your home deserves to look like a million dollars. But not everyone can afford to dress-up their house, not with the way economy is going. But there are a few ways you can add a few modest upgrades to increase your curb side appeal.

It’s an overlooked upgrade but it can add to that certain appeal. It’s a small but very useful part of your front yard. What’s that small but useful part of your front yard ? The mailbox. That small box that brings in good and not so good news or that subscription you eagerly await every month. It’s your gateway to the world - old school, that is.

But if it’s not a mailbox it can be a real ornate address plaque or number. It does add to the character of your abode if you have a really attractive tag identifying that people with class lives in this home. Works well with businesses, too. It projects a professional image and just tells people that business is done with utmost care.

There’s a company that can fill your need for a beautiful mailbox. Did you know that there are about 2500 types of styles that can cover both residential and commercial areas? And if you don’t know what goes best with your home they can help you out. Visit them here. They have great deals and who knows, you might make it worth you while if you check this out.

And by the way, they also have something to help safeguard your identity - High Security Mailboxes.

 

Bag-iw - a blast from the 1990s

Back in the 1990’s Bag-iw, a Baguio-based ethno-rock band produced some really cool songs by fusing ethnic musical implements with electric instruments. The combination is a fresh sound that gives you a head-bobbing tune with the nostalgia of highland gongs - an awesome combination!

Back in college I used to listen to their songs and was fortunate to be good friends with their bass guitarist -JB. Unfortunately the members of the band have gone their separate ways - some have become community leaders and advocates but most have remained artists.

Here is one song that was taped back in 1993

I don’t know the title but the cut rocks!

JB, basol mo!

 

Even experts get it wrong and it takes a kid to tell ‘em or not

Are the kids getting brighter? Is it the school? The diet? Or what?

All Things Considered, April 3, 2008 · Kenton Stufflebeam, a fifth-grader from Allegan, Mich., pointed out in December that the Smithsonian Natural History Museum’s Tower of Time referred to “the Precambrian” as an “era” when it really is a “supereon.” This week, the museum corrected the 27-year-old mistake.

But they’re much smarter now because they can run circles around the “experts”. When a German school boy told NASA that their math was wrong about an asteroid hitting the earth on 2029 and offered his own figures.

BERLIN (AFP) — A 13-year-old German schoolboy corrected NASA’s estimates on the chances of an asteroid colliding with Earth, a German newspaper reported Tuesday, after spotting the boffins had miscalculated. (Read more)

But they NASA stated that they were never wrong and that they had their figures right.  According to the Register,”A small boy did do these calculations, but he made a mistake… NASA’s figures are correct.”

There’s another point here - The gullible media.

It would appear that the intial article in the Potsdamer Neueste Nachrichten, which says that NASA and the ESA endorsed Nico Marquardt’s calculations, was incorrect. The story was picked up by German tabloids and the AFP news wire, and is now all over the internet.

 

If the jungle’s this fun I’d sleep there tonight

I remember the Magnanimous Five when I hear this. They were a quintet from back home. Have fun! I know I did.

 

APHORISMS

APHORISM: A SHORT, POINTED SENTENCE EXPRESSING A WISE OR CLEVER OBSERVATION OR A GENERAL TRUTH; ADAGE

1. The nicest thing about the future is that it always starts tomorrow.

2. Money will buy a fine dog, but only kindness will make him wag his tail.

3. If you don’t have a sense of humor, you probably don’t have any sense at all.

4. Seat belts are not as confining as wheelchairs.

5. A good time to keep your mouth shut is when you’re in deep water.

6. How come it takes so little time for a child who is afraid of the dark to become a teenager who wants to stay out all night.

7. Business conventions are important because they demonstrate how many people a company can operate without.

8. Why is it that at class reunions you feel younger than everyone else looks?

9. Scratch a cat and you will have a permanent job.

10. No one has more driving ambition than the boy who wants to buy a car.

11. There are no new sins; the old ones just get more publicity.

12. There are worse things than getting a call for a wrong number at 4 AM.. Like this: It could be a right number.

13. No one ever says ‘It’s only a game.’ when their team is winning.

14. I’ve reached the age where the happy hour is a nap.

15. Be careful reading the fine print. There’s no way you’re going to like it.

16. The trouble with bucket seats is that not everybody has the same size bucket.

17. Do you realize that in about 40 years, we’ll have thousands of old ladies running around with tattoos? (And rap music will be the Golden Oldies ! )

18. Money can’t buy happiness — but somehow it’s more comfortable to cry in a Corvette than in a Hyundai.

19. After 50, if you don’t wake up aching in every joint, you are probably dead!!

20. Always be yourself. Because the people that matter, don’t mind. And the one’s that mind, don’t matter.

 

The Lost Generation

Brilliant! An ad by the AARP.

 

Burnham Park has WiFi - Yey!

I guess they’re catching up.  The city of Baguio has announced that the famous park has launched its own WiFi connection.  This is to boosts the tourism potential of the city as a hub for technology. Here’s the story  from Ernie Olson of Sun.Star Baguio.

 

History - Pinoys help organize UFW

Although Cesar Chavez was known to have championed farm workers in America and later became the founder of the United Farm Workers it is also fitting to remember that a number of Filipinos were instrumental in the creation of the most important labor movement in American history.

Here’s an interesting story told by one of the first Filipinos to join the 1965 strike. He was a Filipino farmer who helped organize and unify latino and filipino farm workers into a formidable union.

To name these labor union pioneers and leaders is also to honor their contributions and their legacy. I only named a few, those that I can find in public records, surely there are many more out there.

1. Ben Gines
2. Pete Manuel
3. Larry Itliong
4. Andy Imutan
5. Pete Velasco

 

The philosophy of relationship

For the past two days major news networks here in the US were reporting that the secret to a happy relationship is for a woman to marry an ugly mate or a homely husband. Good for the men because they get to marry attractive women and be happy about it.

FoxNews.com reports that:

The best marriages are those where women marry men who are less attractive than themselves, research has found. Read more.

More than a decade ago this was seen by Andrew E. He wrote a rap about this and it became a hit in the Philippines. The Filipinos already knew that it was plausible and even possible that a relationship is based on looks. To review that philosophical revelation here is his thesis:

Kaya’t para lumigaya ang iyong buhay
Humanap ka ng pangit at ibigin mong tunay
At kung hindi, sige ka puso mo’y mabibiyak
Mahiwalay man ang pangit hindi ka iiyak ‘di ba ?

It has a catchy beat, too. Here’s the rest of the lyrics.