tag:blogger.com,1999:blog-37872616.post218722350008663967..comments2024-03-29T22:13:20.913+08:00Comments on BULLy the BEAR: Home mortgage insurancela papillionhttp://www.blogger.com/profile/01372278083694506953noreply@blogger.comBlogger25125tag:blogger.com,1999:blog-37872616.post-77639913014381532652021-07-08T19:10:52.597+08:002021-07-08T19:10:52.597+08:00Thanks for this great blog! waiting for your next ...Thanks for this great blog! waiting for your next post.- <a href="https://www.iffcotokio.co.in/motor-insurance/two-wheeler-insurance" rel="nofollow">bike insurance renewal online</a><br />Nikhilhttps://www.blogger.com/profile/05628113647494629512noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-31003472617439527992021-05-17T13:46:22.884+08:002021-05-17T13:46:22.884+08:00I will forever be indebted to the great Doctor AKH...I will forever be indebted to the great Doctor AKHIGBE for fixing my broken marriage after my husband left me for 6 months. I never believed in spells until my close friend introduced me to him. At first, I was skeptical about him because I heard a lots about false spell casters but I put my doubts behind me for i was desperate to get my husband back and I did according to what he instructed me to do. Now my husband is back just within 48 hours of contacting him. I'm living happily with my husband again after 6 months of divorce and I will not rest till he's known all over the world. He's also specialize in sickness spells. Get connected with Doctor AKHIGBE now, his email is drakhigbespellhome7@gmail.com or WhatsApp on +2349021374574 and I said I must let any email I see on net must know about this because am very happy . Jana hassanhttps://www.blogger.com/profile/04254920013774678105noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-16271122810659870292021-02-04T16:31:13.155+08:002021-02-04T16:31:13.155+08:00I am here to give my testimony about Dr Ebhota who...I am here to give my testimony about Dr Ebhota who helped me.. i want to inform the public how i was cured from (HERPES SIMPLEX VIRUS) by salami, i visited different hospital but they gave me list of drugs like Famvir, Zovirax, and Valtrex which is very expensive to treat the symptoms and never cured me. I was browsing through the Internet searching for remedy on HERPES and i saw comment of people talking about how Dr Ehbota cured them. when i contacted him he gave me hope and send a Herbal medicine to me that i took for just 2 weeks and it seriously worked for me, my HERPES result came out negative. I am so happy as i am sharing this testimony. My advice to you all who thinks that there is no cure for herpes that is Not true just contact him and get cure from Dr Ebhota healing herbal cure of all kinds of sickness you may have like (1) CANCER,(2) DIABETES,(3) HIV&AIDS,(4) URINARY TRACT INFECTION,(5) CANCER,(6) IMPOTENCE,(7) BARENESS/INFERTILITY(8) DIARRHEA(9) ASTHMA(10)SIMPLEX HERPES AND GENITAL(11)COLD SOREHERPES. he also cure my friend from cervical cancer Email: drebhotasoultion@gmail.com or whatsapp him on +2348089535482jolene gilmanhttps://www.blogger.com/profile/17103050692455463828noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-14182182679703410122020-10-07T19:30:43.130+08:002020-10-07T19:30:43.130+08:00Thanks for sharing the blog, seems to be interesti...<br />Thanks for sharing the blog, seems to be interesting and informative too. Can you suggest some of the interesting places to visit for <a href="https://www.prudential.com.sg/products/savings/other-savings-goals/pruactive-saver-ii" rel="nofollow">education insurance</a><br />aaravlagharhttps://www.blogger.com/profile/03548710999178263550noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-4609003389710509762020-08-13T15:58:18.816+08:002020-08-13T15:58:18.816+08:00I came across this link on life insurance, hope ca...I came across this link on life insurance, hope can provide more insights.<br /><br /><a href="https://www.prudential.com.sg/products/protection/life/pruactive-life" rel="nofollow">life insurance</a><br />Priya Jhttps://www.blogger.com/profile/13866620063573505712noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-3784479418130683322019-09-28T21:28:43.861+08:002019-09-28T21:28:43.861+08:00HELLO EVERYONE.. FEW MUNINETS TO REDY THIS INFOR O...HELLO EVERYONE.. FEW MUNINETS TO REDY THIS INFOR ON HERPES CURE 2018..<br />2017 MY MOTHER WAS DIAGNOSED OF HERPES/ KNOWN AS GENITAL WARTS ,I SPENT A LOT OF MONEY ON HER MEDICATION TILL A POINT I EVEN LOST HOPE,BECAUSE MY MOTHER WAS GRADUALLY DYING AND LOST HER MEMORY TOO, I WAS SO DESPERATE TO GET MY MOTHER BACK TO NORMAL, ONE DAY MY UNCLE WHO LIVES IN LONDON UNITED KINGDOM TOLD ME ABOUT DR OLIHA ,WHO HELPED HIM GET RID OF HERPES /GENITAL WART WITH HERBAL MEDICINE AND HIS HERBAL SOAP ,I WAS SO SHOCKED WHEN HE TOLD ME ABOUT THIS ,ALTHOUGH I NEVER BELIEVE IN HERB BUT, I KEEP TO BELIEVE BECAUSE MY UNCLE CAN'T TELL ME LIES WHEN IT COMES TO HEALTH CONDITION I CONTACTED DR OLIHA VIA HIS EMAIL; OLIHA.MIRACLEMEDICINE@GMAIL.COM , YOU CAN TALK TO HIM VIA CALL OR WHATSAPP MESSENGER ON +2349038382931 , HE REPLIED AND ASK ME TO SEND MY HOME ADDRESS AND MY MOTHER'S DETAIL AND THEN I PURCHASED THE HERBAL MEDICINE,SENT ME THE HERBAL MEDICINE THROUGH COURIER SERVICE, WHEN I RECEIVED THIS HERBAL MEDICINE USED IT FOR 2 WEEKS, AND 4 DAYS OF USAGE THE WARTS FELL OFF, MY MOTHER I NOW TOTALLY CURED AND MY MOTHER IS LIVING FREE AND HAPPY AGAIN. YOU CAN TALK TO DR VIA HIS MOBILE NUMBER OR WHATS APP HIM ON +2349038382931.ALL THANKS TO DOCTOR DR OLIHA Elizabeth Matheushttps://www.blogger.com/profile/07348224111801623810noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-37592811322355370922019-06-13T04:00:58.621+08:002019-06-13T04:00:58.621+08:00OMG i am here to tell you all how i was cured from...OMG i am here to tell you all how i was cured from Hepatitis B by<br />dr Adigba with his herbal medicine i once had the problem of<br />Hepatitis B which affected my work for years i have been using<br />different medication but there was no solution,i search the net and<br />i found the contact of Dr Adigba who help me with his product on<br />curing Hepatitis B problem and other deadly diseases, he also<br />assured me that it is a permanent cure,so i work with him<br />as he ask<br />and i took the medication for just 1 weeks and i was back<br />to normal.<br />for two weeks now i have been doing fine.I give all thanks<br />to Dr<br />Adigba for helping me out of such problem now am the<br />happiest<br />person on earth for seeing myself doing better again.you<br />can also<br />contact him on email drAdigba@gmail. com whatsapp him<br />on +2348077875210<br />dr adigba cure the flowing virus<br />1 cancer cure<br />2 diabetes cureringing ear<br />3 ringing earwarts cure<br />4 herpes cure<br />5 warts cure<br />6 HPV cure<br />7 Jaundice<br />8 pregnancy herbal medicine<br />9 prostate enlargement<br />10 Hepatitis B and many more joylisahttps://www.blogger.com/profile/07104610873454707371noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-1165164098615813022018-07-05T01:20:28.070+08:002018-07-05T01:20:28.070+08:00Am from USA/TEXAS Dr.uza Herbal Medicine is a go...Am from USA/TEXAS Dr.uza Herbal Medicine is a good remedy for Herpes Virus , I was a carrier of Herpes and I saw a testimony on how Dr.uza cure Herpes Virus, I decided to contact him, I contacted him and he guided me. I asked him for solutions and he started the remedies for my health. After he finish he sent me the herbs which i took for 2 week before going for a check up and getting there i could not believe that i was confirm Herpes Negative after the test,Today i am so happy because i'm free from herpes disease with the help of Dr.uza Thank God now everything is fine, I'm cured by Dr.uza herbal medicine, I'm very thankful to God for making it possible you can reach him on his email i strongly recommend him to any one out here looking for a cure<br />Dr uza contact is;<br />Whatapps: +1 914-598-8288 <br />EMAIL: uzaomijieherbalclinic@gmail.com <br />Anonymoushttps://www.blogger.com/profile/12170361843984115967noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-10889712443160708072018-05-18T11:27:22.351+08:002018-05-18T11:27:22.351+08:00i am from California, i have been surfing from HIV...i am from California, i have been surfing from HIV Disease for past 2years now, the experiences was really bad, i was passing through a lot of hard times.. some of my symptoms where anxiety or apathy and fatigue, dizziness, poor balance, one day i was searching through the internet for natural remedies for HIV Disease, i saw several post about this dr called “DR obor cure for HIV Disease, and some Disease, so i was very convinced and ready to be cured with their natural remedies, so i contacted him and i purchased some herbal medicine for the cure, after few days of usage about one week i was free completely of the symptoms and went for a text and i can say now i am free from HIV Disease totally…. indeed their remedies are supper effective… contact him today on his email: hsvcuretemple@gmail.com or whats App or call him on +2348105813057, good luck.mariahttps://www.blogger.com/profile/13462873177924554352noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-16914388325179109262015-05-27T22:20:23.262+08:002015-05-27T22:20:23.262+08:00Hi emelyn,
I'm not an agent, so I don't k...Hi emelyn,<br /><br />I'm not an agent, so I don't know about the products. I doubt there's one that sells CI only. Early CI coverage, yes, I've heard of it, but just CI coverage alone, I don't know any. But as mentioned earlier, I don't know much products in the first place. Maybe you can ask your agent about it?<br /><br />It's kind of hard to hit CI, so don't over insured on that part.la papillionhttps://www.blogger.com/profile/01372278083694506953noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-73868890193920924572015-05-27T20:30:29.206+08:002015-05-27T20:30:29.206+08:00Hi LP, thanks. Do you know of any insurer who offe...Hi LP, thanks. Do you know of any insurer who offers insurance for CI only? So far the ones I know all have death and TPD with CI, doesn't seem to have CI coverage only.emelynhttps://www.blogger.com/profile/12949355467893254412noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-58869299413999195022015-05-27T12:19:29.856+08:002015-05-27T12:19:29.856+08:00Hi emelyn,
The crisis waiver is to waive off the...Hi emelyn, <br /><br />The crisis waiver is to waive off the premium, yup. Only in death, will the insurance payout kickoff and u don't have to pay for the mortgage loans anymore. I think mortgage loans insurance is for a different purpose. If your aim is to cover ci, then ci plan or early critical illness plan is the way to go. If you want to cover the possibility of not being able to work due to partial and temporary disability, then disability income is the way to go. <br /><br />I think even in death,the claims are not paid to beneficiarys. It's paid directly to hdb, unlike say, a whole life or term plan. la papillionhttps://www.blogger.com/profile/01372278083694506953noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-33501814938968383272015-05-27T11:57:25.963+08:002015-05-27T11:57:25.963+08:00Hi, but isn't the Pruterm insurance (term redu...Hi, but isn't the Pruterm insurance (term reducing mortgage loan), only for death actually? I checked with my agent, the crisis waiver only waives off the premium in case you get any of the CI, but that still means you need to pay for the mortgage instalments on your property. If you are unable to work, you still have to pay the mortgage instalments, you will not receive the lump sum payout to pay down your house fully. Only when you die, your beneficiary receives the lump sum payout to fully pay for the house.emelynhttps://www.blogger.com/profile/12949355467893254412noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-59531630536372219352013-08-21T19:43:56.179+08:002013-08-21T19:43:56.179+08:00When it comes to Life Insurance, there are benefit...When it comes to Life Insurance, there are benefits that should be of importance to you. Things like "conversion privileges", Accelerated Death benefits", Terminal Illness Riders" Ask us which plans offer these unique benefits.<br />Term Life Insurance Louisianahttp://quotela.comnoreply@blogger.comtag:blogger.com,1999:blog-37872616.post-77890277478705312082013-03-20T03:14:26.649+08:002013-03-20T03:14:26.649+08:00I admire your humility to admit that you are not a...I admire your humility to admit that you are not a financial guru or anyone as such, but I must say that you presented a lot of valuable information here. I believe many homeowners will find this post beneficial. Still, when it comes to handling major financial concerns and decisions, it won’t hurt to seek advice from the experts.<br /><a href="http://georgia.churchillmortgage.com/about-us/mortgage-lenders-in-georgia-office/" rel="nofollow"> Avril Copperfield </a><br />Avril Copperfieldhttps://www.blogger.com/profile/07563862379510264605noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-13544369594365800552011-09-09T03:03:19.861+08:002011-09-09T03:03:19.861+08:00Is this affectionate of action accessible to pay o...Is this affectionate of action accessible to pay out for surgeries. Last year I capital to cure my facial marks and for that I alleged my abettor to apperceive if there is any allowance accessible but he said no.<br /><br /><a href="http://www.1ppi.co.uk/" rel="nofollow">PPI</a>jontythadehttps://www.blogger.com/profile/00560762370783932617noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-22964493254362947942011-09-07T21:41:55.593+08:002011-09-07T21:41:55.593+08:00To lend my own experience 6 years ago, buying my H...To lend my own experience 6 years ago, buying my HDB. <br /><br />I did a bit of shopping on this insurance and got a few quote. Only the INCOME offer catches my eye.<br /><br />Anyway, in summary, on a S$134k mortgage of 30 years, I paid $3000 for as a lump sum payment towards the reducing balance insurance. It worked out to be very much cheaper per year. Had I paid monthly, then it will be until Year 23 where no more payment is expected. PLUS, i got written confirmation from INCOME that if I surrender this policy, eg. sold my flat or no longer in loan, I get the pro-rata premium paid without service charge or penalty. <br /><br />Oh yes, it is exactly the same coverage as HDB's. Just that I had paid cash for it, instead of charging it to my CPF account (which attracts a 2.6% p.a. interest on this bill).<br /><br />Naturally, a few friends barked at me for not using the untouchable CPF funds to work for me OR that they don't have the idle cash for so much $$.<br /><br />Well. I can tell you that I got my pro-rata refund cheque without service charge or replacement policy penalty.<br /><br />SnOOy168Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-37872616.post-63188480368129447152011-08-08T12:56:53.340+08:002011-08-08T12:56:53.340+08:00Hi drizzt,
Thanks, I read that long time ago and ...Hi drizzt,<br /><br />Thanks, I read that long time ago and also commented on it, haha :)la papillionhttps://www.blogger.com/profile/01372278083694506953noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-35045231453258145412011-08-08T12:56:31.258+08:002011-08-08T12:56:31.258+08:00Hi financialray,
I got myself a basic 150k WL cov...Hi financialray,<br /><br />I got myself a basic 150k WL coverage (which includes CI), plus another 100k term insurance. I was going to add a few hundred k of term life after my marriage recently. But since I just bought a resale flat and had to have the mortgage insurance, I thought maybe I won't be adding in the term plan and use this one instead for dual purpose. <br /><br />Haha, so I do have a property right now :) As for a plan for another investment property, that is in the works, but it'll be at least another 5 yrs from now. <br /><br />Thanks for sharing your experiences with me!la papillionhttps://www.blogger.com/profile/01372278083694506953noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-20859271963626654522011-08-07T20:00:13.873+08:002011-08-07T20:00:13.873+08:00mortgage insurance is a decreasing term essentiall...mortgage insurance is a decreasing term essentially. i written about it some time ago > <a href="http://www.investmentmoats.com/budgeting/insurance/decreasing-term-life-insurance-can-be-your-low-cost-insurance-solution/" rel="nofollow">Decreasing Term Life Insurance can be your low cost insurance solution</a>Kyithhttps://www.blogger.com/profile/07617228143744544821noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-21453541321510957462011-08-07T10:05:01.338+08:002011-08-07T10:05:01.338+08:00Hmm, I think LP u are younger than me.
So it is re...Hmm, I think LP u are younger than me.<br />So it is relevant to you.<br />If you think term is right way to go as you age like me, after having a basic WL, then you need to decide if mortgage insurance is the best type of term for you.<br />If so, then your next move is to plan for a property investment few years down the road.<br />A property investment not only provides mortgage insurance, it can also be for retirement planning or as a plan for my children's tertiary education.financialraynoreply@blogger.comtag:blogger.com,1999:blog-37872616.post-67490905575352569232011-08-06T22:02:06.523+08:002011-08-06T22:02:06.523+08:00Hi financialray,
Thanks for sharing :) I think ge...Hi financialray,<br /><br />Thanks for sharing :) I think getting whole life has its own advantages. I don't think we should outsource our responsibility to experts, even if that expert is a former CEO of a insurance company. I've a feeling he's advocating to the masses.<br /><br />I can see the truths in his statements, but I just don't think it applies to my particular situation, hahala papillionhttps://www.blogger.com/profile/01372278083694506953noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-27591251250334882692011-08-06T16:30:30.799+08:002011-08-06T16:30:30.799+08:00Hi LP,
I bought my first whole life insurance f...Hi LP, <br /><br />I bought my first whole life insurance for 200k when I was 29.<br />Then I bought my next whole life with critical illness cover at 34 for another 200k. <br />Then over last 2 years, lo and behold, our president elect Mr Tan Kin Lian suggested it may be better to buy term. I ponder over and thought he may have a point but I think its silly to give up whole life insurances that i have paid until now. The one I bought in 1999 already has a break even cash value anyway.<br />Now, I have a few mortgage insurances which I believe are good term insurances.<br />400k sounds like a lot 10 years ago for whole life but today, I think it can be wiped out by medical costs. 20 to 30 years later, 400k will be like 40k.financialraynoreply@blogger.comtag:blogger.com,1999:blog-37872616.post-68883095210752707302011-08-05T22:34:07.399+08:002011-08-05T22:34:07.399+08:00Hi financialray,
Yes, i agree :) I checked, it...Hi financialray,<br /><br />Yes, i agree :) I checked, it's okay to hold onto the plan even after the mortgage loan is paid up.la papillionhttps://www.blogger.com/profile/01372278083694506953noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-83922561571717537962011-08-04T14:50:00.371+08:002011-08-04T14:50:00.371+08:00This is one good term insurance that comes with pr...This is one good term insurance that comes with property investment. If something happens, u get a free property (maybe your dependents). If nothing happens, your property is yours after 20-30 years. Even if the property is sold, we can continue to pay premiums for the insurance (not sure about HPS), provided still a big sum to be insured for. So I think we should look at this form of insurance with property investment after having shield plans for hospitalisation.<br />I am also not an insurance agent.financialraynoreply@blogger.com