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European Football (EPL, UEFA, La Liga) / Re: Crystal Palace Vs Arsenal (0 - 2) On 26th October 2013 by wyvilleinc: 2:35pm On Oct 26, 2013 |
Arlex: sharap i no i was waiting for ppl like u to correct me, as if de will even carry any cup.IDEOTIC CLUB!!!wait n see |
European Football (EPL, UEFA, La Liga) / Re: Crystal Palace Vs Arsenal (0 - 2) On 26th October 2013 by wyvilleinc: 2:32pm On Oct 26, 2013 |
Like Arsenal like super eagles. When u expect them 2 perform dey don't but when u write dem off dey surprise u. Any 3 points is cool |
European Football (EPL, UEFA, La Liga) / Re: Crystal Palace Vs Arsenal (0 - 2) On 26th October 2013 by wyvilleinc: 2:23pm On Oct 26, 2013 |
ethicalUser: I have never seen a lazy striker like giroud..I swear if that guy they swansea he go chop over feeding for bench.he is a 1 touch striker/finisher |
European Football (EPL, UEFA, La Liga) / Re: Crystal Palace Vs Arsenal (0 - 2) On 26th October 2013 by wyvilleinc: 2:21pm On Oct 26, 2013 |
Arlex: see ur incapi mouth like 'na una cum sabi score pure goal'u de win 1-0 cardiff we i flog 4-1.datz cardif diz is crystal. Open ur eyes 1 Like |
European Football (EPL, UEFA, La Liga) / Re: Crystal Palace Vs Arsenal (0 - 2) On 26th October 2013 by wyvilleinc: 12:33pm On Oct 26, 2013 |
ToyinDipo: A draw today would be cool.we don't settle for less. 3 points to solid |
European Football (EPL, UEFA, La Liga) / Re: Crystal Palace Vs Arsenal (0 - 2) On 26th October 2013 by wyvilleinc: 12:30pm On Oct 26, 2013 |
Quarter to |
European Football (EPL, UEFA, La Liga) / Re: Crystal Palace Vs Arsenal (0 - 2) On 26th October 2013 by wyvilleinc: 11:46am On Oct 26, 2013 |
COYG[color=#990000][/color] |
European Football (EPL, UEFA, La Liga) / Re: Crystal Palace Vs Arsenal (0 - 2) On 26th October 2013 by wyvilleinc: 11:40am On Oct 26, 2013 |
An hour 2 go. I feel like FF d hands of time. |
European Football (EPL, UEFA, La Liga) / Re: Crystal Palace Vs Arsenal (0 - 2) On 26th October 2013 by wyvilleinc: 11:16am On Oct 26, 2013 |
tomii: we beat fulham 3-1, fulham beat crystal palace 4-1, hmmmm, hw many goals wld we then score?hmm, football is not like that o, but any how 3points 4 gunners. |
European Football (EPL, UEFA, La Liga) / Re: Crystal Palace Vs Arsenal (0 - 2) On 26th October 2013 by wyvilleinc: 9:53am On Oct 26, 2013 |
Crystal palace fc are gonna cry in their palace today 1 Like |
Politics / Re: Jonathan Doesnt Want To Be Refered To As Commander-in-chief Of The Armed Forces by wyvilleinc: 7:17pm On Oct 18, 2013 |
He is lilly livered |
Nairaland / General / Re: Describe Yourself In Just One Word by wyvilleinc: 3:34pm On Oct 12, 2013 |
Action |
Nairaland / General / Re: If You Are To Meet 5 Nairalanders by wyvilleinc: 9:37pm On Oct 05, 2013 |
Amaaskia Titiluvly Adaobi123 Devour129 Adebabs21 |
Politics / Re: PHCN Strike: Is There Light In Your Area? by wyvilleinc: 1:44pm On Oct 02, 2013 |
j4sure: [color=#006600][/color] i don dey enjoy ~ 7point agenda for our area o.ogun st light dey wellwell o.but d old PHCN staff salary shud b settle and new comp b more focus.not all over ogun state. Here in Ifo we don't ve light for almost a week now |
European Football (EPL, UEFA, La Liga) / Re: West Brom Vs Arsenal - Capital One Cup (3 - 4) On Pens On 25th Sept 2013 by wyvilleinc: 9:22pm On Sep 25, 2013 |
Up gunners |
Health / Causes Of Cancer Discovered And How To Aviod Them. by wyvilleinc: 2:23pm On Apr 18, 2013 |
At Last , The causes of Cancer has been discovered ! This is an article that should be sent to anyone important in your life ! John Hopkins Hospital Update Circulation Purpose 1. No plastic containers in micro. 2. No water bottles in freezer . 3. No plastic wrap in microwave .. Dioxin chemicals cause cancer, especially breast cancer ... Dioxins are highly poisonous to the cells of our bodies. Don't freeze your plastic bottles with water in them as this releases dioxins from the plastic .. Recently, Dr. Edward Fujimot! Wellness Program Manager at Castle Hospital , was on a TV program to explain this health hazard. He talked about dioxins and how bad they are for us . He said that we should not be heating our food in the microwave using plastic containers .. This especially applies to foods that contain fat .. He said that the combination of fat, high heat, and plastics releases dioxin into the food and ultimately into the cells of the body . Instead, he recommends using glass, such as Corning Ware, Pyrex or ceramic containers for heating food. You get the same results, only without the dioxin. So such things as TV dinners, instant ramen and soups, etc., should be removed from the container and heated in something else . Paper isn't bad but you don't know what is in the paper. It's just safer to use tempered glass, Corning Ware, etc . He reminded us that a while ago some of the fast food restaurants moved away from the foam containers to paper. The dioxin problem is one of the reasons .. Also, he pointed out that plastic wrap, such as Saran, is just as dangerous when placed over foods to be cooked in the microwave. As the food is naked , the high heat causes poisonous toxins to actually melt out of the plastic wrap and drip into the food . Cover food with a paper towel instead . This is an article that should be sent to anyone important in your life ! |
European Football (EPL, UEFA, La Liga) / Re: Arsenal Vs Norwich City (3 - 1) On 13th April 2013 by wyvilleinc: 4:50pm On Apr 13, 2013 |
King Poldi makes it 3 |
European Football (EPL, UEFA, La Liga) / Re: Arsenal Vs Norwich City (3 - 1) On 13th April 2013 by wyvilleinc: 4:48pm On Apr 13, 2013 |
@op are u asleep? |
Health / Your Life Is Worth Insuring by wyvilleinc: 9:59am On Apr 10, 2013 |
Human life is subject to risks of death and disability due to natural and accidental causes. When human life is lost or a person is disabled permanently or temporarily, there is a loss of income to the household. The family is put to hardship. Sometimes, survival itself is at stake for the dependants. Risks are unpredictable. Death/disability may occur when one least expects it. An individual can protect himself or herself against such contingencies through life insurance. It is not necessary that the insurer is the sole beneficiary of the policy. In most of the cases the relative of the insurer/business partners of the insurer have certain interests in the policy. What is life insurance? Life insurance is a contract between an insured (insurance policy holder) and an insurer, (Insurance company) wherein the insurer promises to pay a designated beneficiary a sum of money (the benefits) upon the death of the insured person. Depending on the contract, other events such as terminal illness or critical illness may also trigger payment. The policy holder typically pays a premium, either regularly or as a lump sum. Other expenses (such as funeral expenses) are also sometimes included in the benefits. Life insurance is a form of insurance that pays monetary proceeds upon the death of the insured covered in the policy. Essentially, a life insurance policy is a contract between the named insured and the insurance company wherein the insurance company agrees to pay an agreed upon sum of money to the insured’s named beneficiary, so long as the insured’s premiums are paid current. Though human life cannot be valued, life insurance products provide a definite amount of money to the dependants of the insured in case the insured dies during his active income earning period or becomes disabled on account of an accident causing reduction/ complete loss in his income earnings. Why you should insure your life People take out life insurance policies for a number of reasons. Such insurance provides security to family members upon the loss of a loved one. For instance, if the primary wage earner dies in his or her prime, the death benefit received from the policy will assist the surviving family members in overcoming the burden of the tragic loss. The proceeds can also help pay for funeral costs when the death is unexpected. File photo: A victim of an explosion Advantages of a life policy The advantage of a life policy is peace of mind, in knowing that the death of the insured person will not result in financial hardship for loved ones and lenders. Also, it is possible for life insurance policy payouts to be made in order to help supplement retirement benefits; however, it should be carefully considered throughout the design and funding of the policy itself. Types of life policies Life insurance may be divided into two basic classes; temporary and permanent; or the following subclasses: term, universal, whole life and endowment life insurance. Term insurance Term assurance provides life insurance coverage for a specified term. The policy does not accumulate cash value. Term is generally considered ‘pure’ insurance, where the premium buys protection in the event of death and nothing else. Three key factors to be considered in term insurance are; face amount (protection or death benefit); premium to be paid (cost to the insured), and length of coverage (term). Permanent life insurance Permanent life insurance is life insurance that remains active until the policy matures, unless the owner fails to pay the premium when due. The policy cannot be cancelled by the insurer for any reason except fraudulent application, and any such cancellation must occur within a period of time (usually two years) defined by law. A permanent insurance policy accumulates a cash value, reducing the risk to which the insurance company is exposed, and thus the insurance expense over time. This means that a policy with a million dollar face value can be relatively expensive to a 70-year-old. The owner can access the money in the cash value by withdrawing money, borrowing the cash value, or surrendering the policy and receiving the surrender value. The four basic types of permanent insurance are whole life, universal life, limited pay and endowment. Whole life coverage Whole life insurance provides lifetime death benefit coverage for a level premium in most cases. Premiums are much higher than term insurance at younger ages, but as term insurance premiums rise with age at each renewal, the cumulative value of all premiums paid across a lifetime are roughly equal if policies are maintained until average life expectancy. Part of the insurance contract stipulates that the policyholder is entitled to a cash value reserve, which is part of the policy and guaranteed by the company. This cash value can be accessed at any time through policy loans and are received income tax free. Policy loans are available until the insured’s death. If there are any unpaid loans upon death, the insurer subtracts the loan amount from the death benefit and pays the remainder to the beneficiary named in the policy. Universal life coverage Universal life insurance is a relatively new insurance product, intended to combine permanent insurance coverage with greater flexibility in premium payment, along with the potential for greater growth of cash values. A universal life insurance policy includes a cash value. Premiums increase the cash values, but the cost of insurance (along with any other charges assessed by the insurance company) reduces cash values. Universal life insurance addresses the perceived disadvantages of whole life – namely that premiums and death benefit are fixed. With universal life, both the premiums and death benefit are flexible. Except with regards to guaranteed death benefit universal life, this flexibility comes with the disadvantage of reduced guarantees. Limited pay Another type of permanent insurance is Limited-pay life insurance, in which all the premiums are paid over a specified period after which no additional premiums are due to the policy in force. Common limited pay periods include 10-year, 20-year, and are paid out at the age of 65. Endowment policy Endowments are policies in which the cumulative cash value of the policy equals the death benefit at a certain age. The age at which this condition is reached is known as the endowment age. Endowments are considerably more expensive (in terms of annual premiums) than either whole life or universal life because the premium paying period is shortened and the endowment date is earlier. Endowment insurance is paid out whether the insured lives or dies, after a specific period (e.g. 15 years) or a specific age (e.g. 65) |
Phones / Re: MTN Launches 5MB For N5 Plan by wyvilleinc: 10:21am On Mar 31, 2013 |
Elsafema: Is it aplicable to all other plan like mtn zone and super saverNope. Only on pulse 3 Likes |
Celebrities / Re: Why Lagbaja Covers His Face With A Mask by wyvilleinc: 4:04pm On Mar 26, 2013 |
Babzilla:The exact reason he uses the mask. He said he likes to be ordinary. Move around without ppl noticing etc and it works. |
Nairaland / General / Re: Where Would You Love To Be Buried, Home Or Cemetry? by wyvilleinc: 5:03pm On Mar 25, 2013 |
Home |
European Football (EPL, UEFA, La Liga) / Re: Swansea City Vs Arsenal (0 - 2) On 16th March 2013 by wyvilleinc: 5:33pm On Mar 16, 2013 |
Op update fast |
European Football (EPL, UEFA, La Liga) / Re: Swansea City Vs Arsenal (0 - 2) On 16th March 2013 by wyvilleinc: 5:32pm On Mar 16, 2013 |
Goal. Thanks Monreal |
European Football (EPL, UEFA, La Liga) / Re: Swansea City Vs Arsenal (0 - 2) On 16th March 2013 by wyvilleinc: 4:37pm On Mar 16, 2013 |
luvola: arsenal should please lose because it will be an advantage to my darling liverpool ... 2points behind arsenal know be beans.. A lose for arsenal will precipitately dent their champions league dream.. Meanwhile the liverpool thread i open should also be posted on the front page...Sorry o. But u are walking alone now |
European Football (EPL, UEFA, La Liga) / Re: Swansea City Vs Arsenal (0 - 2) On 16th March 2013 by wyvilleinc: 4:16pm On Mar 16, 2013 |
Common gunners, gun down the swine sorry swans |
European Football (EPL, UEFA, La Liga) / Re: Swansea City Vs Arsenal (0 - 2) On 16th March 2013 by wyvilleinc: 4:14pm On Mar 16, 2013 |
dominique: Arsenal don suffer for this swansea hand no be small. If they give the kind of performance they gave against bayern midweek. 3 points go sure.As a result of sitting too long on the bench. |
Islam for Muslims / Re: How To Pray Five Times A Day by wyvilleinc: 7:41pm On Mar 15, 2013 |
hrmkz:No, u will only start from the rakkaa that u stopped. U only start all over for ablution |
European Football (EPL, UEFA, La Liga) / Re: Bayern Munich Vs Arsenal - UCL (0 - 2) - On 13th March 2013 by wyvilleinc: 10:36pm On Mar 13, 2013 |
update op |
European Football (EPL, UEFA, La Liga) / Re: Bayern Munich Vs Arsenal - UCL (0 - 2) - On 13th March 2013 by wyvilleinc: 8:50pm On Mar 13, 2013 |
Keep it up guys. Just two more goals and close shop. |
European Football (EPL, UEFA, La Liga) / Re: Bayern Munich Vs Arsenal - UCL (0 - 2) - On 13th March 2013 by wyvilleinc: 8:48pm On Mar 13, 2013 |
Goal 1 Like |
(Go Up)
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