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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] cheesy
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 saver
Nope. Only on pulse

3 Likes

Celebrities / Re: Why Lagbaja Covers His Face With A Mask by wyvilleinc: 4:04pm On Mar 26, 2013
Babzilla:

YEAH I AGREE ITS THE GUY IN BLUE?
BUT HE IS LUCKY HE DOESNT NEED TO WORRY ABT PEOPLE STOPPING HIM ON THE STREETS TO GAWK AND BOTHER HIM 4 AUTOGRAPHS
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.
#thisfabianskidondeyfato
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:

Yes, u will re start the solat from the begining.

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

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