Life Insurance Settlements A Thing To Learn From

Truth be told, it has been a learning curve for everyone in choosing the appropriate life insurance plan for each individual. Just in the case of Auntie Insurance ' s claims at SSS and at her local insurance company. She should have planned it well and regarded it as an
important event, and considered beforehand the reason why they took out life insurance.


Facts for the common person in deciding for the kind of life insurance to buy; consider the end result of it all when what is left to the surviving family.

Life insurance settlements refer to the amount of money your beneficiary receives after you die. The life insurance company pays the settlement based on the amount you have paid for with the premiums of the policy. Life insurance settlements are usually only paid out after your death and there are several types of life insurance policies you can choose from.

Term life insurance pays out the life insurance settlements only if you die during the term of the policy. You can choose 5, 10, 15, and 20-year policies and it is even possible to get a 30 year life insurance with this type. Whole life insurance on the other hand covers you for your whole life and the settlement is paid out whenever you die.

With changes to the life insurance industry, you can now enjoy life insurance settlements prior to your death. You can sell your policy back to the company for a lump sum settlement at a discounted value. This is particularly good if you find yourself in financial difficulty and the settlement from the life insurance will help you out. With senior life insurance it is also advantageous because the senior may want to cash out the policy and purchase a better one.

It is also possible to get a life insurance settlement of a higher amount. Depending on the policy you choose, you can liquidate an older policy that has added to the value over the years. This puts you in a very good financial situation.

With senior life insurance, the policy provides peace of mind for the older citizens that do not want to burden their families with the cost of funeral expenses. There are usually relaxed requirements and additional benefits as well as having life insurance settlements paid out after their death.

Usually a medical exam is required for senior life insurance and the result of this exam determines the cost of the insurance. There are different premiums for differing amounts of life insurance settlements. If you just want a burial insurance, the life insurance settlement will cover the funeral expenses. This is often the type of life insurance that people with disabilities and terminal illnesses choose. Whatever your circumstances, you can’t afford to be without life insurance because of the expenses incurred by those left behind.

That is all about life insurance settlements, in a nutshell. These series of info will be posted as reminders on what steps to take in decision-making in the family.

Caregiver Lady Status Updates November 7 2011

Student Loan Necessary For Bodoy's Son

It's November again and second semester too! Bodoy's second was accepted in one of the universities in the province and the problem is they only gave him a 10% discount. And for him to be able to fully finance his son's studies - thanks to the trend in the family - they will be needing to apply for a student loan. Since the family is in the Philippines, they do not know where and how to apply for a student loan, or as they would term "Study Now, Pay Later"

So for starters, the father and son called the college and asked them how other students can apply for a student loan commensurate to the need. They just needed the extra cash to back up the need for the miscellaneous needs of Bodoy's son in pursuing an engineering degree.

What Your Birthday November 3,1993 Means

Happy Birthday!

 You came to this page to find the meaning of why you were born.
The very truth is God loves you over and over 1000000000x.

 

3 November 1993                                    Purchase A Best Buy Gift Card Today

Your date of conception was on or about 10 February 1993 which was a Wednesday.

You were born on a Wednesday
under the astrological sign Scorpio.
Your Life path number is 9.

Your fortune cookie reads:
Keep in close touch with what your competition is doing.

Life Path Compatibility:
You are most compatible with those with the Life Path numbers 3, 6 & 9.
You should get along well with those with the Life Path numbers 1 & 5.
You may or may not get along well with those with the Life Path numbers 2, 7 & 11.
You are least compatible with those with the Life Path numbers 4, 8 & 22.

The Julian calendar date of your birth is 2449294.5.
The golden number for 1993 is 18.
The epact number for 1993 is 6.
The year 1993 was not a leap year.

Your birthday falls into the Chinese year beginning 1/23/1993 and ending 2/9/1994.
You were born in the Chinese year of the Rooster.

Your Native American Zodiac sign is Snake; your plant is Thistle.

You were born in the Egyptian month of Tyby, the first month of the season of Poret (Emergence - Fertile soil).

Your date of birth on the Hebrew calendar is 19 Heshvan 5754.
Or if you were born after sundown then the date is 20 Heshvan 5754.

The Mayan Calendar long count date of your birthday is 12.19.0.10.10 which is
12 baktun 19 katun 0 tun 10 uinal 10 kin

The Hijra (Islamic Calendar) date of your birth is Wednsday, 18 Jumadiyu'l-Avval 1414 (1414-5-18).

The date of Easter on your birth year was Sunday, 11 April 1993.
The date of Orthodox Easter on your birth year was Sunday, 18 April 1993.
The date of Ash Wednesday (the first day of Lent) on your birth year was Wednesday 24 February 1993.
The date of Whitsun (Pentecost Sunday) in the year of your birth was Sunday 30 May 1993.
The date of Whisuntide in the year of your birth was Sunday 6 June 1993.
The date of Rosh Hashanah in the year of your birth was Thursday, 16 September 1993.
The date of Passover in the year of your birth was Tuesday, 6 April 1993.
The date of Mardi Gras on your birth year was Tuesday 23 February 1993.

As of 3/22/2012 1:57:04 AM EDT
You are 18 years old.
You are 220 months old.
You are 959 weeks old.
You are 6,714 days old.
You are 161,137 hours old.
You are 9,668,277 minutes old.
You are 580,096,624 seconds old.

Celebrities who share your birthday:Dolph Lundgren (1959) Adam Ant (1954) Kate Capshaw (1953)
Dennis Miller (1953) Roseanne (1952) Ken Berry (1933)
Michael Dukakis (1933) Charles Bronson (1921)


Top songs of 1993Dreamlover by Mariah Carey That's the Way Love Goes by Janet Jackson
Can't Help Falling In Love by UB40 Informer by Snow
I'd Do Anything for Love (But I Won't Do That) by Meat Loaf Hero by Mariah Carey
Again by Janet Jackson Freak Me by Silk
Weak by SWV (Sisters with Voices) A Whole New World (Aladdin's Theme) by Peabo Bryson & Regina Belle


Your age is the equivalent of a dog that is 2.62778864970646 years old. (Life's just a big chewy bone for you!)

Your lucky day is Tuesday.
Your lucky number is 9 & 11.
Your ruling planet(s) is Mars & Pluto.
Your lucky dates are 1st, 10th, 19th, 28th.
Your opposition sign is Taurus.
Your opposition number(s) is 6.

Today is not one of your lucky days!

There are 226 days till your next birthday
on which your cake will have 19 candles.

Those 19 candles produce 19 BTUs,
or 4,788 calories of heat (that's only 4.7880 food Calories!) .
You can boil 2.17 US ounces of water with that many candles.

In 1993 there were approximately 4.1 million births in the US.
In 1993 the US population was approximately 248,709,873 people, 70.3 persons per square mile.
In 1993 in the US there were 2,334,000 marriages (9%) and 1,187,000 divorces (4.6%)
In 1993 in the US there were approximately 2,148,000 deaths (8.6 per 1000)
In the US a new person is born approximately every 8 seconds.
In the US one person dies approximately every 12 seconds.

In 1993 the population of Australia was approximately 17,759,999.
In 1993 there were approximately 260,229 births in Australia.
In 1993 in Australia there were approximately 113,255 marriages and 48,363 divorces.
In 1993 in Australia there were approximately 121,599 deaths.

Your birth flower is CHRYSANTHEMUM

Your birthstone is Citrine

The Mystical properties of Citrine
Citrine is said to help one connect with Spirit.
Some lists consider these stones to be your birthstone. (Birthstone lists come from Jewelers, Tibet, Ayurvedic Indian medicine, and other sources)
Yellow Topaz, Pearl, Diamond

Your birth tree is
Walnut Tree, the Passion

Unrelenting, strange and full of contrasts, often egoistic, aggressive, noble, broad horizon, unexpected reactions, spontaneous, unlimited ambition, no flexibility, difficult and uncommon partner, not always liked but often admired, ingenious strategist, very jealous and passionate, no compromises.

There are 278 days till Christmas 2012!
There are 291 days till Orthodox Christmas!

The moon's phase on the day you were
born was waning gibbous.

 
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High Finance Woman Read Up On Probates and Wills

High Finance Woman  and Tinaw individually read up on Philippine and Canadian laws regarding wills, probate, insurance and legal jargon to keep informed on which way to take in handling the case against Auntie Insurance.

For High Finance Woman, she reads up for the sake of  Caregiver Lady to inform her on the latest developments and how they can catch up with Auntie Insurance in Tatay Ruby and her's conjugal properties.

For Tinaw, she reads up for the rest of them in order that Toklang and Personal Injury Solicitor may know some information - when she is asked. But to total all the information, it is best to seek the assistance and advice of an inheritance lawyer.

Dear PAO,

Before my grandfather passed away, he executed a will distributing his properties. Aside from my mother and my aunt, who are his only children, I was given a portion of his properties.

The will was executed when he was still in New York, USA but he was a Filipino citizen even up to the time of his death. I just want to know if that will can be considered valid here in the Philippines because his property is located here. Will that be enough for us to divide the property among us? I hope you can enlighten me on this concern.

Thank you.

XXX of Malabon

Dear Jacky,

A will is a personal act of the testator whereby he voluntarily gives to another his property, be it real or personal, but the transfer of ownership shall only take effect after his demise. Under Philippine laws, a will may be considered valid and binding as long as it conforms to the laws of the place where the same was executed (Article 17, New Civil Code of the Philippines). In the situation that you have presented before us, it must be shown that the forms and solemnities of American laws, specifically the laws of the State of New York, have been adhered to before it can be said that the will of your grandfather is valid.

Besides the foregoing, the will of your grandfather must first undergo probate proceedings. Possession of your grandfather’s will is not enough for you and the other heirs to divide the property. It is necessary that the extrinsic validity of his last will and testament be determined by the court because it is mandated under Section 1, Rule 75 of the 1997 Rules of Court that, “No will shall pass either real or personal estate unless it is proved and allowed in the proper court. Subject to the right of appeal, such allowance of the will shall be conclusive as to its due execution.” Accordingly, the person who has custody of the will of your grandfather must deliver the will to the court of the place where your grandfather last resided, or if he is a non-resident of the Philippines to the court of the place where the property is situated, within twenty days from the time he gains knowledge of the death of the testator (Section 2, Rule 75, id). The proper petition for allowance of the will must also be filed before said court, containing among others, the names, ages, and residences of the heirs, legatees and devisees, as well as the probable value and character of the property.

Should you or the heirs prove in court that the will of your grandfather conformed to the laws of New York, USA with regard to forms and solemnities of his will, the court will issue an order for the allowance thereof. Thereafter, you may proceed with the partition of the property left by your deceased grandfather in accordance with the provisions of his will. On the other hand, if the will was disallowed by the court for failure to conform with pertinent laws, you will not be allowed to divide and distribute the property using the provisions of the will. Rather, the laws on intestate succession shall be applied to the partition of the estate of your grandfather.

We hope that we were able to answer your queries. Please be reminded that this advice is based solely on the facts you have narrated and our appreciation of the same. Our opinion may vary when other facts are changed or elaborated.

Note: Credit belongs to the author of the website. The write up was read by High Finance Woman from Dear PAO

Letter For Pc Car Insurance Mistress From PhilGEPS

Good day!

The Philippine Government Electronic  Procurement System (PhilGEPS) is pleased to inform you of President Noynoy Aquino’s issuance of Administrative Order No. 17 on July 28, 2011 (click http://www.gov.ph/2011/07/28/administrative-order-no-17-3/) to view the Administrative Order).  This executive issuance mandates all government agencies to utilize the Procurement Service in purchasing their common office supplies requirements and post all their procurement activities in the PhilGEPS.  It reiterates the provisions of the Government Procurement Reform Act (R.A. 9184) on the use of the Procurement Service and the PhilGEPS and strengthens the two organizations with the objective of further streamlining the government’s procurement process and promoting transparency and accountability.

As a registered supplier in the PhilGEPS, this is an important law as you are now assured that the government is conducting its procurement activities with more efficiency and transparency.  This also translates to having more significant and extensive information on where and how taxpayers’ money and other government funds are being used.  Moreover, as more functionalities are made available in the PhilGEPS, the country moves forward into e-GP or electronic government procurement, making the purchasing function in tune with best practices worldwide and efficient for both government buyers and suppliers.

AO 17 is a law that paves the way for public servants and partners in the private sector like you to take the “Daang Matuwid” as envisioned by President Noynoy.  We hope that as a valuable stakeholder in the PhilGEPS, you will gladly join us in making his vision a reality.

Thank you.


The PhilGEPS Management

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Pro Vita Care Management Inc (604) 520-0158
35 Clute St, New Westminster, BC

Retirement Concepts (604) 764-8877
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Royal City Manor
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77 Jamieson Crt, New Westminster, BC


Blue Spruce Cottage (604) 521-4316
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C R E S S T Program (604) 521-1205
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Kiwanis Care Centre of New Westminst ... (604) 525-6471
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Lina's Place (604) 519-1769
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Lina's Place (604) 522-5375
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Lina's Place - Office (604) 522-5390
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Pioneer House - Office (604) 525-2084
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Pioneer House - Residence (604) 525-7215
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Royal City Manor
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Salvation Army, The (604) 522-7033
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Victoria Rest Home Ltd (604) 522-7717
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Fax:(604) 525-2189

Allegro Properties Inc (604) 777-1020
Suite 501 625 Fifth Ave, New Westminster, BC
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Dunwood Place Seniors Complex (604) 521-8636
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Free Methodist Church Senior Citizen ... (604) 524-8117
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Retirement Concepts (604) 764-8877
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Thornebridge Gardens (604) 524-6100
649 Eighth Ave, New Westminster, BC
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Gibsons Garden Inn 25.7 km
(604) 886-4638
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Dover House 37.6 km
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Corlett Place 40.7 km
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Nanaimo Travellers Lodge 40.9 km
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Fax:(250) 758-4698

Selby Place 41.1 km
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Berwick On The Lake Retirement Resid ... 41.4 km
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Longlake Chateau Retirement Residenc ... 41.6 km
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Nanaimo Seniors Village 42 km
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So Nice To Come Home To

Lakeside Gardens Retirement Communit ... 42.3 km
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Origin At Longwood 42.6 km
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Woodgrove Manor 43 km
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Distinguished Residential Care In The Heart Of Nanaimo
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Keeping House Care Facility Ltd 43.9 km
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