Preparing for the Inevitable
Finding out about life insurance is one of those things that people return to again and again because they do not know where to start. When you get online insurance quotes, you take a giant step into finding out what it is. What is life insurance? What do I need to know to become an informed buyer? How do I know that I am a good deal on a life policy?
For someone young and healthy, the concept of life insurance is not tops on their list of priorities. Of course, death can occur at any time, even among young people, due to an accident or catastrophic illness, but the probability is so small that it deserves negligible concern. In middle age, perhaps we are beginning to respect the ephemeral quality of life and may even have a family to consider. In examining why life insurance may make more sense at this point in life, think of two ways: for use as a time to pay in the event of his death: for use as an investment, accumulation of interest on the period of the policy.
Life insurance is an agreement that in case of death of the insured, the insurer agrees to pay an agreed amount of money to a specified recipient. The agreement also provides that the insured paid during the period covered by the insurer an amount in the form of monthly installments. Life insurance can pay benefits based on death from natural causes, deaths from disease and accidental death. In addition, life insurance policies may pay a lump sum to a beneficiary, or are prepared as a pension fund.
Waiting for the sun to come out
Waiting for the sun to come out these days is like waiting for Vicky Belo to sell truck accessories. You think it will never happen. I can’t remember the last time the sun was out from morning till sunset. It’s always a little hope of sun in the morning and then next thing you know you have thunder and lightning and rain. It’s especially annoying on working days, because if you leave the house with the sun shining you don’t think of bringing an umbrella or rain gear. Thirty minutes into your trip it starts to rain. Conversely if you don’t bring any rain gear there’s a 99.9% chance that it will rain when you are a hundred meters away from your office building.
Why won’t kids do as they’re told?
… and the answer to that is “I don’t effing well know.”
This is, for all intents and purposes, a rant.
I have a homesick, weathersick boy studying up in Baguio who wants to come home every weekend. Which is of course out of the question since a round trip to Baguio costs a few pesos shy of P1000. Going home every weekend would mean an additional load of at least four thousand pesos, not counting the extra money spent here and there because he is here and there.
I have told him several times to stay put. He has so many reasons why he doesn’t want to. Every now and then imaginary alarms go off in my head. Will he last the year? He can’t apply for transfer to Diliman after one semester, he has to finish the effing year.
Now that it’s almost Christmas, etc.
Now that it’s almost Christmas we office grunts are impatiently awaiting the 13th month pay the company so conveniently schedules to give in December so we can pretend it’s Christmas Bonus just like everyone else. We await the time when our FD deigns to assay his John Hancock on the cheque which our man of all seasons Roks will take to the bank and, after some light banter with his favorite cashier, will break the news to the rest of us that yes, we now have enough funds with which to buy our Xchange gifts.
Now that it’s almost Christmas the racketeers are out on the streets in force, employing every imaginable way that one can swindle the next guy out of his hard-earned (sometimes not necessarily though) cash.
Now that it’s almost Christmas I have to allow funds for fixing the house, sending Ate Beng home for the holidays and bringing her back, gifts for each member of the family, holiday goodies for our Noche Buena table from The Works (Hi Sheila!), and something for me (why am I always last on the list?).
Now that it’s almost Christmas I have holiday ditties pounding on my ears relentlessly, as if I could forget that it is that season when the milk and honey of remittances from OFW’s pour in from lands far away, pumping the peso up, bringing the dollar down (but do we really feel it when a 250gm piece of ampalaya costs PHP 40 at the talipapa and everything else is on the rise as well, gasoline, lpg, commodities, not to mention my eyebrows).
Now that it’s almost Christmas I have managed, late last week, to acquire that prized possession that in December causes hundreds of coffee drinkers to imbibe more than the usual cup or five a day—the Starbucks Planner.
Happy holidays, everyone!
About Me
