Savings Account and Insurance
Have you ever heard of a savings account that doubles up as a life insurance? With the right tools you can find great offers and promos in savings accounts. There are now lots of websites that allow users to search for the best saving account interest rates.
With these online tools and services, deciding which bank to open a online savings account, checking account or certificate of deposit account is a lot easier then walking into several traditional brick and mortar banks trying to find the best rate possible for your investment.
I found out that Bank of the Philippine Islands offers a savings account that also acts as insurance. BPI Direct Save-Up is a partner savings account of the Express Teller Savings. This means, you need to have an Express Teller Savings account in order to apply for this service. Just having the Express Teller Savings account by itself already has a lot of advantages.
A description from the BPI website describes this service as, “it allows you to automatically save for sure payday after payday while enjoying higher interest rates. It also comes with FREE Ayala Life insurance as much as 10x your account balance, up to PHP 4 million”. Unlike other savings accounts where you just get measly interest earnings, BPI Direct Save-Up provides you more than just that. By opening an account, you are automatically insured under Ayala Life Insurance Inc.
BPI Direct Save-Up works by automatically withdrawing a certain amount from your Express Teller Savings account at certain periods of the month. The amount and date to be withdrawn is specified by you during your application of this service. I set mine to 1,000.00 PHP once a month. The minimum amount to be withdrawn is 250.00 PHP.
The benefits covered by the insurance are:
1. Basic Life which is 5 times the accounts average month-to-date average daily balance (MTD-ADB) of the past 3 calendar months prior to the insured’s death, up to a maximum of 2 million PHP.
2. Accidental Death whish is an additional 5 times the account’s MTD-ADB of the past 3 calendar months prior to the insured’s demise, up to a maximum of 2 million PHP.
3. Accidental Dismemberment which depends on the schedule of dismemberment benefits.
BPI has already arranged a hierarchy of beneficiaries. High in the list is your spouse if you have any, followed by children then parents and lastly siblings.
You need to be at least 15 and not more than 60 years old to qualify for this service. The life insurance coverage takes effect on the day your BPI Direct Save-Up account is opened and terminated on the first day of the month of your 61st birthday or upon closure of your account.
What I like best is you can withdraw money from your Direct Save-Up to your Express Teller Savings account for a maximum of twice a month. The monthly maintaining balance is only PHP 1,000. And for balances of 1,000 – 399,999 PHP, you get 1% interest, while 400,000 and above earn you 2%. This is a very good deal for me. I just happen to save money as usual and get this insurance for free.
Jason P. Jones
http://www.articlesbase.com/finance-articles/savings-account-and-insurance-749058.html
How to be Friends With Your Hubzone Contractors
It’s true that you need hubzone contractors for environmental remediation. However, even if you don’t work with them everyday, that shouldn’t be a reason why you can’t become friends with them! You never know when you will need hubzone contractors, and when you do, it’s nice to have someone you know and trust to call. This is why we all for making friends with your hubzone contractor. If you’re feeling a bit apprehensive on how you should approach it, then here are a few tips to make it easier on you.
1. When you introduce yourself, do so in a friendly manner, and do not limit it to formalities- You will have to meet your hubzone contractor before the project even starts to talk about it. Of course, both of you will be somewhat formal at first, but do find a way to break the ice, and go beyond that employer and employee relationship. After you’ve gotten past what the project entails, do insert some casual chit chat here and there.
2. Don’t limit your interaction to your first and last meeting- While the project is going in, we do encourage you to drop by every once in a while. Go and see how the project is actually doing and ask about it’s progress. You may even want to ask your hubzone contractor about his day, or even bring him a cup of coffee every once in a while.
3. Always be polite, and respectful- Nothing sours a working relationship faster than being rude. So always be on your best behavior. You don’t want to gain a negative reputation as the person who is extremely impolite to his employees. When you’re nice, people remember, and they will not hesitate to help you out the next time you need help!
When you establish a good friendship with your hubzone contractor, he’ll never steer you wrong. You’ll have someone you can call in a hurry too. SO, don’t shy away from it and start by saying Hi!
Finding Low Priced Clipper Tickets Got Easier
Getting low prices for the San Diego Clippers game can be a challenge, especially since Blake Griffin has taken the helm for the team. Griffin has been around for a couple of seasons already, but thanks to injuries; he has only been able to show his basketball chops fairly recently. Now, he’s living up to all of our expectations and he’s definitely worth getting Clipper tickets for. He was among those chosen as a Western Conference Reserve in the 2011 NBA All-Star Game even though he was still a rookie which shows the kind of promise that he has been showing on the hard court.
If only to catch Blake Griffin in action, it’s definitely worth watching the next Clippers game live. And with the low prices that we can offer for Clipper tickets, you can get a great deal on it too. We’ve got a wide selection of tickets for the lowest prices around so you can get the best seat in the house while spending a lot less. But we can’t guarantee that these tickets will be available for long. Thanks to the low rates, they’re going faster than we can sell them.
If you want to take advantage of the low priced Clipper tickets that we’re offering, you can check out the available seats and dates. Catch one of their home games and you’ll be watching at the Staples Center. The Staples Center has been very recently refurbished which includes the addition of a high definition center-hung video scoreboard. This Panasonic Live 4HD scoreboard replaced the original one that was installed in 1999. There’s also a Daktronics see-through shot clock that’s used for the Clippers games. But whether you’re watching a home game or an away game, it’s definitely worth watching a Clippers game.
The Clippers as a whole has proven that they are a team to watch. With new stars on the roster and veterans like Baron Davis, the Clippers have shown that they are to be taken seriously. Their games are definitely worth watching live.
Our low priced Clipper tickets may be running out but there are still great seats available. Take advantage of the low prices and watch a live Clippers game so that you can be close to the action. It’s a great deal that no true Clippers fan would pass up. You can bet that we’ll be right there at the Staples Center cheering with the rest of our fellow fans.
Find Affordable Clipper Tickets
The Los Angeles Clippers are giving fans a lot of reasons to watch their games. It’s already a lot of fun catching the game on television; imagine what it would be like to watch the game live at an actual sports stadium. With Blake Griffin taking the lead for the team, expectations are up and there’s every reason to get our hopes up for the team. The recent solid hard court performances of the team have also made getting Clipper tickets pretty difficult, but we’re still offering them for affordable prices to fellow fans.
We’ve got Clipper tickets to all their games, and they come with pretty good seats too. You’ll get a good view of the action and you’ll get to watch the game in style and in comfort. We can guarantee that we’ve got the lowest prices around but we can’t guarantee that these tickets will be available for very long. There’s always a clamour for NBA tickets and the Clippers have a solid fan base that helps make sure attendance is high for their games. You can check out our available dates and tickets so that you can get ahead of the pack.
If you get your hands on Clipper tickets for one of their home games, you’ll be watching the Clippers in action at the Staples Center. The Staples Center has a capacity of 19 060 for Clippers games. It was very recently refurbished to include a new high definition center-hung video scoreboard. The Panasonic Live 4HD scoreboard replaced the original one that was installed back in 1999. There are also 2 500 club seats in the lower bowl plus 160 luxury seats. This modern sports stadium has all the amenities that you need to make your experience a comfortable one.
Getting your hands on low priced Clipper tickets has never been easier. With our low prices, you don’t have to miss a single game and you can be part of Clippers history too. Who knows, this could be the season where the Clippers reach a whole new level of basketball excellence.
Watching the game on your television may be exciting but it doesn’t compare to watching the game live at a sports stadium. Whether it’s at the Staples Center or at an away game, you’ll definitely have the time of your life by taking us up on our offer of low priced Clipper tickets. No true Clippers fan should miss out on this chance.
49ers Tickets 101
It’s so exciting to get into the world of 49ers and 49ers tickets! However, we have to admit that new fans have a lot of catching up to do. There’s a lot of valuable information concerning the team, the fans, and of course, 49ers tickets that one needs to know so that he has an awesome time every time! Today, we thought it would be nice to get started on the tickets to the team’s live games. What is there to know about them? Is there information that will make a massive difference to a 49ers fan? The only way you will find out is if you read what’s posted below. Let us call this the 49ers tickets 101!
1. Never pay full price if you don’t have to – Don’t get us wrong, there’s nothing we love more than getting good seats to the 49ers game, but something that equally comes close to that is getting a good deal! We love it when we can enjoy deals and discounts on our 49ers tickets! This is probably the reason why we are always on sites like http://www.49ertickets.org. They offer great discounts on 49ers tickets, which is always a big plus to us!
2. Don’t waste time, as 49ers tickets always run out – There will be others who will say, it’s not a big game, or it’s a slow season, so there should be plenty of 49ers tickets left for us to enjoy. Well, we know the fans, and we can say that we know better! To us, every game is a big game, and so, it is a definitely possibility that you will run out of tickets if you take too much time.
3.Fake tickets exist – Everyone knows the 49ers are one of the more popular football teams, and the counterfeiters know it too. That’s why fans should be aware of the existence of fake tickets, and not blindly buy into them. You don’t want to throw away money on counterfeits that won’t get you through the stadium gates!
The rest of the lessons can come later. Right now, take these ones into account and remember them so you don’t make any costly mistakes!
Grooming for Web Designers
If you’re a web designer, then you’ve got to read this! It does not matter if you are currently living in someone’s basement, or have recently moved back to your parents, but when clients come around, you’ve got to appear sharp and professional. Part of doing so is making sure that you’ve got the right look and grooming. Today, we’re here to help web designers all over by presenting them with basic grooming tips. Although these things may seem simple, a lot of web designers forget and neglect them, maybe because of their busy and erratic schedules. If you want to impress your client, then be sure to do the following, and you’ll have more chances of getting the job!
- For the love of god, shower! Before meeting a client, make sure you look and smell your best! You don’t want any strange and pungent body odors turning them off. Shower, so that you appear fresh and alert. Showering will also take care of the sleep in your eyes. Um, while you’re at it, please don’t forget to brush your teeth too!
- Leave the jogging pants at home and invest in a nice pair of dark denim jeans- Jogging pants and sweats may be sufficient for lounging and designing at home, but to your client, it only reads as you being sloppy! You don’t have to come in a suit, which is why dark jeans are a happy compromise. You still look casual and put together, and the dark denim is excellent at hiding dirt and stains!
- Next, when it comes to a choice between a collared shirt and an ordinary tee, we say go for the collared shirt on the first meeting. That just makes you look more put together. If after meeting the client,you find out he is a pretty casual guy, then feel free to wear your favorite tees the next times you get together. The important thing is that you’ve made a solid first impression.
You may think that these things don’t really matter, and it’s your work that really speaks to a client. While that may be a little bit true, we still maintain that these things do count! Your appearance can say a lot about you, which is why you always need to look your best!