[4c-math94] Insurance
Hello, mga classmates na nasa Pilipinas... Kamusta muna... As you know I'm into insurance selling so bebentahan ko na rin kayo.. di na ko mahihiya.. ha? Ganyan talaga ang nagbebenta kasi kailangan ng production e.. :-) Sa mga wala pang fire insurance ang mga bahay or kotse (upto 10 ears old), baka pwedeng mag-quote... kung may existing naman, baka pwedeng mag-quote upon expiry.. I'm 90% sure I can come up with a cheaper deal for you.. although mura na talaga ang fire insurance. Sa mga nasa abroad naman, baka you want to get for your relatives here. In case you buy, I'll be the one to deliver the policy and pick up payments if needed although marami ding ways to pay like thru bank or credit card. I'm also into pre-need like educ plan (you can get kahit wala pa kayong anak for investment, and avail of the benefits on the 16th year, whether or not magka-anak kayo), or life plan (if you're thinking of leaving an amount to your loved ones when you pass away)... Sa mga nasa companies handling insurance ng company cars, insurance ng office or bonds, baka pwede nyo akong i-refer... thanks a lot and good day... medyo naiba ang topic ko, ha, pasensya na sa pagsingit.. ty! :-) Ask our other classmates to subscribe, tell them to send an email to:[EMAIL PROTECTED] Do you Yahoo!? Read only the mail you want - Yahoo! Mail SpamGuard. Do you Yahoo!? Yahoo! Mail - now with 250MB free storage. Learn more. Ask our other classmates to subscribe, tell them to send an email to: [EMAIL PROTECTED] Yahoo! Groups Sponsor ADVERTISEMENT Yahoo! Groups Links To visit your group on the web, go to:http://groups.yahoo.com/group/4c-math94/ To unsubscribe from this group, send an email to:[EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
Re: [4c-math94] SLEEPING WITH THE GIVERS
Hi, Bob! Nice article... I seldom read articles from e-mails... but I got to read and finish this... Anyway, God bless you on your trip back home.. and sana we could play basketball again someday... :-) Danielbobby villanueva [EMAIL PROTECTED] wrote: SLEEPING WITH THE GIVERS One Mercedes Benz TV commercial shows its car colliding with a cementwall during the safety test. Somebody asked the company spokesman why theydo not enforce their patent on the Mercedes Benz energy-absorbing car body,a design evidently copied by other companies because of its success. Thespokesman's reply: "Because some things in life are too important not toshare." ...Even in a dog-eat-dog, cutthroat world of business, sharing has itsplace. God has never intended for us to cling to the things He lavished onus. All the talents, all the gifts, all the blessings are meant to beshared. There's a story of a Pastor who was profusely thanked by a farmerafter hearing his sermon on giving. The Pastor, testing the farmer, asked,"If you had one hundred horses, would you give me fifty?" The farmerreplied, "Certainly!" The Pastor went on, "If you had one hundred cows,would you give me fifty?" And the farmer nodded again. If you had twopigs, would you give me one?" the Pastor continued. The farmer lost hiscool and said, "Now, cut that out, Pastor, You know that I have two pigs!" If there's one thing I have come to understand in this life, it isthis: giving is always more blessed than receiving. As we give our time,talent and treasures to those who need them, the joy we experience isindescribable. Take a good look around you and you'll see that the people who arein the business of giving are usually the happiest people on earth. Thatofficemate who keeps on sharing her food during breaks, listening to thosein distress. That manager who shares his knowledge and expertise to the newemployees. [And many more like them.] These people are always enjoyingevery minute of what they are doing. What can you give? Well, you can give your love for a start. A littleof your precious time. A portion of your treasure.You don't have to lookfar. Those who are in need are near you, even right beside you. "It has been said that the world is full of two kinds of people, thegivers and the takers. The takers eat well, but the givers sleep well."By Francis J. KongExcerpted from his book: Only The Real Matters -- Shared by Joe Gatuslao Bacolod City, Philippines __Do You Yahoo!?Tired of spam? Yahoo! Mail has the best spam protection around http://mail.yahoo.com Ask our other classmates to subscribe, tell them to send an email to:[EMAIL PROTECTED] Do you Yahoo!? Yahoo! Small Business - Try our new resources site! Ask our other classmates to subscribe, tell them to send an email to: [EMAIL PROTECTED] Yahoo! Groups Sponsor ADVERTISEMENT Yahoo! Groups Links To visit your group on the web, go to:http://groups.yahoo.com/group/4c-math94/ To unsubscribe from this group, send an email to:[EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
Re: [4c-math94] SLEEPING WITH THE GIVERS
Hi, Bob! Buti ka pa rin nakakapag-shooting... ako hindi na e... cge sabihan mo ko pagnatuloy... the other day na sa may Sucat lang ako for some concerns and many times nasa Bicutan ako... By the way, kung naliliitan sila sa yo... tanong mo na lang kung kilala nila si Spud Webb (tama ba spelling?) Sige, God bless din at ingat sa byahe... bobby villanueva [EMAIL PROTECTED] wrote: Thanks Daniel! Nakakapaglaro nga ako konti dito pero panay shooting lang. Wala akong makalaban. Siguro akala nila 12 or 13 lang ako because of my height. Malapit na uwi ko ang inaalala ko lang e ang init na daw dyan. Hindi na yata ako sanay. 8) Dito kasi mainit na yung 16 degrees e. Pero miss ko na ang murang bilihin dyan at syempre ang family ko. Di bale pagbalik ko dyan e gawa tayo ng basketball tournament. I'm sure sasama si Nicandro at sina Dodgie. See you soon! God bless bobby v.jun ramos [EMAIL PROTECTED] wrote: Hi, Bob! Nice article... I seldom read articles from e-mails... but I got to read and finish this... Anyway, God bless you on your trip back home.. and sana we could play basketball again someday... :-) Daniel Do you Yahoo!?Make Yahoo! your home page Ask our other classmates to subscribe, tell them to send an email to:[EMAIL PROTECTED] Do you Yahoo!? Yahoo! Mail - You care about security. So do we. Ask our other classmates to subscribe, tell them to send an email to: [EMAIL PROTECTED] Yahoo! Groups Sponsor ADVERTISEMENT Yahoo! Groups Links To visit your group on the web, go to:http://groups.yahoo.com/group/4c-math94/ To unsubscribe from this group, send an email to:[EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
Re: [4c-math94] SLEEPING WITH THE GIVERS
Hi, Mike! Sayang nga kung sakali...tayo ka na lang muna ng ligasa NBA2005 like what we had in FGU, malay mo ikaw at ang Utah Jazz ang mag-champion.. :-) Ingat lagi![EMAIL PROTECTED] wrote: Hi Bob,Babalik ka na pala ng Pinas, happy trip pare !Sayang wala ako sa paliga ninyo ng basketball =(Regards,Michael HollmannIT - Operations ProgrammeGreat Eastern Life Assurance Co LtdReg No. 1908 00011GDID : 6248 2576 bobby villanueva [EMAIL PROTECTED] To: 4c-math94@yahoogroups.com com cc: Subject: Re: [4c-math94] SLEEPING WITH THE GIVERS 03/13/2005 03:17 PM Please respond to 4c-math94 Thanks Daniel!Nakakapaglaro nga ako konti dito pero panay shooting lang. Wala akongmakalaban.Siguro akala nila 12 or 13 lang ako because of my height.Malapit na uwi ko ang inaalala ko lang e ang init na daw dyan. Hindi nayata ako sanay. 8)Dito kasi mainit na yung 16 degrees e.Pero miss ko na ang murang bilihin dyan at syempre ang family ko.Di bale pagbalik ko dyan e gawa tayo ng basketball tournament. I'm suresasama si Nicandro at sina Dodgie.See you soon!God blessbobby v.jun ramos [EMAIL PROTECTED] wrote:Hi, Bob!Nice article... I seldom read articles from e-mails... but I got to readand finish this...Anyway, God bless you on your trip back home.. and sana we could playbasketball again someday... :-)DanielDo you Yahoo!?Make Yahoo! your home pageAsk our other classmates to subscribe, tell them to send an email to:[EMAIL PROTECTED] Yahoo! Groups Sponsor ADVERTISEMENT Yahoo! Groups Links To visit your group on the web, go to: http://groups.yahoo.com/group/4c-math94/ To unsubscribe from this group, send an email to: [EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.Ask our other classmates to subscribe, tell them to send an email to:[EMAIL PROTECTED] Do you Yahoo!? Yahoo! Small Business - Try our new resources site! Ask our other classmates to subscribe, tell them to send an email to: [EMAIL PROTECTED] Yahoo! Groups Sponsor ADVERTISEMENT Yahoo! Groups Links To visit your group on the web, go to:http://groups.yahoo.com/group/4c-math94/ To unsubscribe from this group, send an email to:[EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
Re: [4c-math94] 2005 Toyota Rav4 Insurance Premium
Talaga? ganun lang kababa ang kita nila? Sa insurance minsan mataas, minsanmababa (pero in comparison sa mga kita niyo, e laging mababa.. hehehe) ... lalo na kung TPL lang ang kukunin which has an annual premium of P552... minsan ang fire insurance, ang annual premium is 500. So, there are times na mas mahal pa yung transportation kaysa sa commission... lalo na kung ipapa-1 day delivery like LBC na P75 ang bayad, abunado pa... minsan, pati kung mag-i-inquire lang, nagre-request pa na puntahan... pero ok lang, there is joy in knowing that the clients are satisfied... and of course, it's not always sacrifice, may reaping time then... and considering the time I spend on selling, around 4hrs a day, at wala pang boss and you get to meet a lot of people, masasabi kong ok na rin... Anyway, cge, Dodgie, antayin ko yung insurance ng sasakyan mo next year... mabilis lang naman ang one year e... :-) "Dodgie M. Nassif" [EMAIL PROTECTED] wrote: I agree daniel...yung mga car dealer usually malaki patong sa insurance ng auto..dun sila kasi kumikita..would you believe pare, na sa isang kotse na nabenta nila 800 pesos lang ang commissions nila...as for mga SUVs 1200 or 1500 lang yata...hehehe...kaya yon sa insurance sila nagpapatong... sayang nakakuha na ako ng insurance...di bale next year na lang...hehe - Original Message ----- From: jun ramos To: 4c-math94@yahoogroups.com Sent: Wednesday, March 30, 2005 1:12 AM Subject: [4c-math94] 2005 Toyota Rav4 Insurance Premium No, Mel, that's the annual premium payable pa in installments. : -) Generally, it's very easy to compute insurance premiums for cars, i quote on the spot to my clients. The only thing needed is the value of the car. Unfortunately, I don't have the value of a 2005 Toyota Rav4.. all the while I thought I was always bringingit. Usually, clients get insurance from the dealer on the first year because it's "free" or part of the package...they're not aware that it's not really free or they simply don't want to get into the hassle of getting in touch with an insurance company or agent... but it's really cheaper to go directly to the insurance company/agent..even if the dealer would offerother "freebies" such as leather seat cover, etc Most cars I quote are more than one year old... If I quote brand new cars,we base thevalue on the actual price. Anyway, just to come up with a value, I'll just assume that a 2005 Rav4 costs 1.2M. If my estimate is way off, I'll e-mail you another quotationto satisfy your curiosity . :-) Coverage BPI/MS UCPB Own Damage 1,200,000.00 1,200,000.00 Theft 1,200,000.00 1,200,000.00 3rd Party - Bodily Injury 200,000.00 200,000.00 3rd Party - Property Damage 200,000.00 200,000.00 Passenger Insurance 100,000.00 100,000.00 Annual Premium 29,852.10 23,849.29 Too bad, we can't cover your car... unless you're willing to make the claim here hehehe... it's not like personal accident or life insurance where the person is covered anywhere in the world... :-) Di bale, nakapila na yan sa ise-send ko... premiums for pension plans, educ plans (you don't really need to have a child to get one!) and life plans... :-) Nice to hear from u... congrats for getting a new car... ingat lagi! God bless you all! Regards na rin sa HS classmates na nasa US! spurs [EMAIL PROTECTED] wrote: hi daniel,yung P5,362.80 premium, monthly ba yon?out of curiosity, if its readily available on your notes, or would NOT entail you so much effort/time, how much is a comprehensive full coverage insurance for a 2005 toyota rav4?? ... just got one last month, and kamahal ng insurance ko... pero kung ire-research mo pa or would involve time on your part, don't even worry about... ok...like what i've said out of curiosity lang...gonna compare it here...(unless they cover US hehe)hello everyone... i heard may 8.7 quake na naman sa indonesia...ingat na lang lagi...--- In 4c-math94@yahoogroups.com, jun ramos [EMAIL PROTECTED] wrote: Hi, Dave! Here are the quotations for your car, one from BPI/MS and one from UCPB. I pasted here a summary: Unit: 1995 Toyota Corolla 1.3 XL Coverage BPI/MS UCPB Own Damage 120,000.00 120,000.00 Theft 120,000.00 120,000.00 3rd Party - Bodily Injury 200,000.00 100,000.00 3rd Party - Property Damage 200,000.00 100,000.00 Passenger Insurance 100,000.00 100,000.00 Premium 5,362.80 5,372.07The only major difference is the third party coverage. In terms of claims, for BPI/MS, you have to have the unit inspected / appraised first (usually you'll just stay around five minutes only), at BPI/MS Calims Evaluation Center in Makati or at an accredited appraiser (like Toyota Shaw or Toyota Ortigas); then they or I will call you for the appraised value before you can bring the car to the preferred shop. You can submit the docs at the shop which appraised you. Yes, BPI/MS will issue first an LOA before you send the car to an ac
RE: [4c-math94] Re: New Rape Tactic
wow galing!bobby villanueva [EMAIL PROTECTED] wrote: Nope. Nasugatan kasi yung daliri ko kaya nag band aid ako. The band aid served as an insulator kaya hindi ako nakuryente. 8) 2 weeks na ako dito sa Pilipinas, Dave. Nung March 22 pa ako dumating. Kasabay ko si Korina Sanchez. Galing syang Las Vegas (maybe for the Pacquiao bout) See pic. Taken at Vancouver Airport. Thanks also to Arvin forbeing concernedabout my safety... David Quitoriano [EMAIL PROTECTED] wrote: Bob, were you a victim? :) kidding. How are you in freezing Canada-eh? cheers, Dave __David Q. Quitoriano http://www.trevoca.comSpread the FIREnow! http://www.spreadfirefox.com/?q=user/registerr=18155 -Original Message-From: bobby villanueva [mailto:[EMAIL PROTECTED]]Sent: Thursday, April 07, 2005 8:03 AMTo: 4c-math94@yahoogroups.comSubject: Re: [4c-math94] Re: New Rape Tactic no.i guess it does sound far fetchedbut it pays to be careful. killyrbf [EMAIL PROTECTED] wrote: were you a primary recipient of the original email, bob?--- In 4c-math94@yahoogroups.com, bobby villanueva [EMAIL PROTECTED] wrote:dear guys pls read this. Its important Hi everyone, I am not sure when did this happen, but it is best to be careful and safety comes first. As below: She was just discharged from the hospital... Yesterday after office hours, I heard from my sister-in-law that there is a new way to rape women It happened to one of our good friends The girl left the office after working hours and saw a little child crying on the road Feeling pity for the child, she went and ask what happened The child said, "I am lost. Can you take me home please?" Then the child gave her a slip and tell the girl where the address is. And the girl, being an average kind person, didn't suspect anything and took the child there. And there when it arrived the "child's home", she pressed the door bell, yet she was shocked as it the bell was wired with high voltage, and fainted. The next day when she woke up, she found herself in an empty house up in the hills, naked. She has never even get to see the face of the attacker... That's why nowadays crimes are targeted on kind people Next time if the same situation occurs, never bring the child to the intended place. If the child insist, then bring the child to the police station. Lost child are best to send to police stations. Please send this to all your female friends. (my extra note: guys, please tell your mom, your sister, your wife and your girlfriends too!) Veronica S. Roque- Yahoo! Messenger Show us what our next emoticon should look like. Join the fun.Ask our other classmates to subscribe, tell them to send an email to:[EMAIL PROTECTED] Do you Yahoo!?Better first dates. More second dates. Yahoo! Personals Ask our other classmates to subscribe, tell them to send an email to:[EMAIL PROTECTED]This Email message and its attachments, if any, may be confidential and/or proprietary and is intended solely for the individual to whom it is addressed. If you are not the intended recipient of this message you are hereby notified that any use, reproduction, dissemination or distribution of this Email message is prohibited. Unless otherwise specifically stated opinions and views expressed in this Email message and its attachments, if any, are those of the sender and may not necessarily reflect the views of Relational Systems (http://www.relasys.net) and its affiliate companies. Ask our other classmates to subscribe, tell them to send an email to:[EMAIL PROTECTED] Do you Yahoo!?Make Yahoo! your home page Ask our other classmates to subscribe, tell them to send an email to:[EMAIL PROTECTED] Do you Yahoo!? Better first dates. More second dates. Yahoo! Personals Ask our other classmates to subscribe, tell them to send an email to: [EMAIL PROTECTED] Yahoo! Groups Links To visit your group on the web, go to:http://groups.yahoo.com/group/4c-math94/ To unsubscribe from this group, send an email to:[EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
Re: [4c-math94] Birthday Reminder
Happy birthday, tukayo! Ngayon lang yata kita natawag nang ganyan... :-) Anyway, may you have more birthdays and success to come.. you, Laarni and the whole family! God bless! :-)Yahoo! Reminder [EMAIL PROTECTED] wrote: Ask our other classmates to subscribe, tell them to send an email to:[EMAIL PROTECTED] Birthday Reminder from the Calendar of 4c-math94 Joon's Birthday Sunday April 24, 2005All Day This event repeats every year. Yahoo! GreetingsSend a Yahoo! Birthday Greeting. Find Birthday GiftsBrowse Yahoo! Shopping's Gift Guide ADVERTISEMENT Copyright © 2005 Yahoo! Inc.All Rights Reserved.Privacy Policy - Terms of Service __Do You Yahoo!?Tired of spam? Yahoo! Mail has the best spam protection around http://mail.yahoo.com Ask our other classmates to subscribe, tell them to send an email to: [EMAIL PROTECTED] Yahoo! Groups Links To visit your group on the web, go to:http://groups.yahoo.com/group/4c-math94/ To unsubscribe from this group, send an email to:[EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
Re: [4c-math94] Why go to church ? Why give to the Church?
I also remember this short poem about a man who compalined during offertory /collection.. I don't think this is the whole poem but it goes something like this... " 'What? giving again? And shall I keep on giving ang giving again?' 'Oh no', said an angel, piercing me through... 'just give, until God stops giving you' " :-) Remember, too, to give God what is right... ... not what is left! God bless! :-) [EMAIL PROTECTED] wrote: - Forwarded by Precious L Sunga/APD/SunLife on 04/26/05 03:58 PM -A Church goer wrote a letter to the editor of a newspaper and complainedthat it made no sense to go to church every Sunday. "I've gone for 30 yearsnow," he wrote, "and in that time I have heard something like 3,000sermons. But for the life of me, I can't remember a single one of them. So,I think I'm wasting my time and the pastors are wasting theirs by givingsermons at all." This started a real controversy in the "Letters to theEditor" column, much to the delight of the editor. It went on for weeksuntil someone wrote this clincher: I've been married for 30 years now. Inthat time my wife has cooked some 32,000 meals. But for the life of me, Icannot recall the entire menu for a single one of those meals. But I doknow this: They all nourished me and gave me the strength I needed to domy work. If my wife had not given me these meals, I would be physicallydead today. Likewise, if I had not gone to church for nourishment, I wouldbe spiritually dead today!" When you are DOWN tonothing...God is UP to something! Faith sees the invisible, believes the incredibleand receives the impossible! Thank God for our physical AND our spiritualnourishment! "When Satan is knocking at your door, simply say, "Jesus,could you get that for me? Happiness is a journey, not a destination.So work like you don't need money, Love like you've never been hurt, anddance like no one's watching.Everyday is a gift, that's why it's called the present. Treat it as suchand enjoy every minute.---This e-mail message (including attachments, if any) is intended for the useof the individual or entity to which it is addressed and may containinformation that is privileged, proprietary , confidential and exempt fromdisclosure. If you are not the intended recipient, you are notified thatany dissemination, distribution or copying of this communication isstrictly prohibited. If you have received this communication in error,please notify the sender and erase this e-mail message immediately.---Ask our other classmates to subscribe, tell them to send an email to:[EMAIL PROTECTED]__Do You Yahoo!?Tired of spam? Yahoo! Mail has the best spam protection around http://mail.yahoo.com Ask our other classmates to subscribe, tell them to send an email to: [EMAIL PROTECTED] Yahoo! Groups Links To visit your group on the web, go to:http://groups.yahoo.com/group/4c-math94/ To unsubscribe from this group, send an email to:[EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
[4c-math94] 1% vs 4% vs 12%
Hello guys, just wanted to share something I learned when I was being recruited by a brokerage company, it's about interest rates... ... kasi daw most people don't really see the difference between interest rates... it's like earning 4% is simply earning 4times as much as 1%... actually, it's much more, specially with the time element. Here are some figures if someone, for example, saves his P100,000... at 1% (interest in savings bank) It will take 70 years before his money doubles (P200,676.34) For us, we'd be over 100 years old by that time. At 10 yrs, his money would have grown to P110,462.21. At 20 yrs, P122,019.00. At 30 yrs, P134,784.79 At 4% It will take only 18 years for his money to double to P202,581.65. At 10 yrs, his money would have grown to P148,024.43. At 20 yrs, 219,112.31. At 30 yrs, 324,339.75 At 12% (Some housing loans) It will only take 8 years for the money to double to P197,382.27. At 10 yrs, it's already P247,596.32. At 20 yrs, it's already P768,996.58. At 30 yrs, it'a already P2,388,386.65 At 16% (Other housing loans) It will take only 7 years for it tp double to P210,034.17 At 10 yrs, it's already P327,841.19 At 20 yrs, it's alrdy P1,446,251.45 At 30 yrs, it's alrdy P6,380,044.36 At 39% (Credit Card rate of 3.25% per month) The money would have double to P193,210 on the second year. At 10 years, it's already P2,692,452.20. At 20 years, it's already P72,492,988.72 At 30 years, it's already P1,951,839,072.65 Assuming credit card loans are left untouched - no payments and no additional loans were made, they will easily balloon to amounts almost not imaginable. Anyway, the message is let's avoid loans as much as possible. Pay credit card bills before they earn iterests (just enjoy the convenience and freebies! - but be strong enough to resist temptation; otherwise, get rid of it). Let's also invest in wise investments... save less in banks (just have enough for emegency because big savings in banks are usually withdrwan, too, and spent on things that don't last). Let's exert effort to save and invest, and spend less on things that don't really last. Other investments could be jewelries or real estate. For smaller amounts, it would be wise to invest intrust or mutual funds, stocks or (if you still trust us) pension plans. :-) Syempre, my pension plans quotation is coming up next... But really, it's good to think about investments and security too...! Good day! ---This e-mail message (including attachments, if any) is intended for the useof the individual or entity to which it is addressed and may containinformation that is privileged, proprietary , confidential and exempt fromdisclosure. If you are not the intended recipient, you are notified thatany dissemination, distribution or copying of this communication isstrictly prohibited. If you have received this communication in error,please notify the sender and erase this e-mail message immediately.---Ask our other classmates to subscribe, tell them to send an email to:[EMAIL PROTECTED] Yahoo! Mail Mobile Take Yahoo! Mail with you! Check email on your mobile phone. Ask our other classmates to subscribe, tell them to send an email to: [EMAIL PROTECTED] Yahoo! Groups Links To visit your group on the web, go to:http://groups.yahoo.com/group/4c-math94/ To unsubscribe from this group, send an email to:[EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
[4c-math94] Pension Plans
Hi, Mel! Sorry for the very late reply. I intended to get quotes from different companies before I give them to you, unfortunately, time's passing and I might as well just give you what I have right now. I only have Philam... Ironically, I don't have Ayala Plans right now. Precious,can you help me inquire with SunLife? Kapag yan ang nagustuhan ni Rommel, magpapa-accredit din ako sa SunLife (pre-need) ... :-) Kasi we're allowed to represent many pre-need companies di ba? Pero sa Life Insurance, isa lang.. :-) (Sa non-life like fire and car insurance, pwede rin kaming maraming i-represent :-) Anyway, Mel, I just wish to know your intention of getting Pension Plans for your mom. If your intention is to be able to givehersomething after say, 15 years, baka mas maganda to get Pension Plan under you, then give the proceeds to her. Kasi if you are the plan holder, you are insured while paying the plan. That means if something happens to you, it's your mom who will benefit - both with the insurance proceeds and the maturity benefit on the 15th year. If your mom is insured, ikaw ang makikinabang sa beneficiary when she passes away. Unless, that is your intention. With regards to the maturity benefit, just as I said, you can claim the benefits and give it to her. And since you are younger, you will most likely stay alive longer and enjoy more of the benefits. Here are the premiums: Plan 1 (Pangarap Pension) Total premium: P278,940.00 (payable in 5 years at PP55,788 per year). Benefits: P500,000, on the 15th year or 10 years after the paying period Insurance benefit for the beneficiary, i.e., you mom: P500,000 (in case of death due to accident during the paying or waiting period) . P50,000 only if due to other causes. On the 15th year, you can get the whole amount, or leave it first and just get interest eranings, or invest it at Philamfor further growth. Based on my computation the P278,940 earned at 7%rate (but I just computed starting on the 5th year, the time the paying period is over)... so that means to say that's a fairly good investment rate. That does not include yet the fact that you are insured. That means youcan be confident that you can still get everythingyou planned for your mom even if something happens to you. That does not appear in the interest rates. :-) Plan2 (Future Fund Plus) Total premium: P321,500 (payable in 5 years at P64,300 per year) Benefits: P500,000, on the 15th year or 10 years after the paying period Insurance benefit for the beneficiary, i.e., you mom: P1,000,000 (in case of death due to accident during the paying or waiting period) . P500,000 only if due to other causes. Based on my computation, your invested at a little less than 7% per annum. Plan3 (Future Fund Prime) Total premium: P743,500 (payable in 5 years at P148,700 per year) Benefits: P500,000, on the 15th year or 10 years after the paying period Plus: P50,000 yearly return for ten years during the waiting period (totalling P500,000), on top of the P500,000 maturity Insurance benefit for the beneficiary, i.e., you mom: P1,000,000 (in case of death due to accident during the paying or waiting period) . P500,000 only if due to other causes. Based on my computation, your invested at a little over 7% per annum, excluding the yearly benefit you received and insurance coverage. If you just wish to choose from among the three, baka that would be better, kasi baka masyado nang marami kung may ibang plans pa from other insurance companies. But I will still get from Ayala Plans (and Sun Life if you like). Thank you and good day to you and everyone! :-) spurs [EMAIL PROTECTED] wrote: wow daniel, bilib ako sa yo... everready battery ka...awesome, that means you really know what you are selling...a sign of a good agent... kung andyan lang ako, sayo ako kukuha eh... mas mura nga talaga dyan... $104/modito... Thanks for the info!!but anyway, cge im kinda interested for the pension plan,i'm thinking of getting one for my mom... find me a good deal ha?if u need info let me know...--- In 4c-math94@yahoogroups.com, jun ramos [EMAIL PROTECTED] wrote: No, Mel, that's the annual premium payable pa in installments. : -) Generally, it's very easy to compute insurance premiums for cars, i quote on the spot to my clients. The only thing needed is the value of the car. Unfortunately, I don't have the value of a 2005 Toyota Rav4.. all the while I thought I was always bringing it. Usually, clients get insurance from the dealer on the first year because it's "free" or part of the package... they're not aware that it's not really free or they simply don't want to get into the hassle of getting in touch with an insurance company or agent... but it's really cheaper to go directly to the insurance company/agent.. even if the dealer would offer other "freebies" such as leather seat cover, etc Most cars I quote are more than one year old... If I quote brand new cars, we base the value on the actual price. Any
Re: Re: [4c-math94] Birthday Reminder
Happy birthday Abi, Bobby and Audrey! May God bless you and your families! :-) Hi, Audrey.. wherever you are... magparamdam ka naman... we hope everything's ok! :) "Dodgie M. Nassif" [EMAIL PROTECTED] wrote: HAPPY BIRTHDAY pala sa mga nag-birthday at mag-bi-birthday ngayong buwan na ito. - Original Message - From: 4c-math94@yahoogroups.com To: 4c-math94@yahoogroups.com Sent: Wednesday, June 01, 2005 4:27 PM Subject: Re: Re: [4c-math94] Birthday Reminder for the greeting, thank you very much louie. :)Louie D [EMAIL PROTECTED] wrote: happy bobby, birthday!-L4c-math94@yahoogroups.com wrote:boobs, hapi bertdei!=20"Yahoo! Reminder" [EMAIL PROTECTED]Sent by: 4c-math94@yahoogroups.com28/05/2005 11:55 PMPlease respond to 4c-math94=20 To: 4c-math94@yahoogroups.com cc:=20 Subject: [4c-math94] Birthday ReminderAsk our other classmates to subscribe, tell them to send an email to:[EMAIL PROTECTED]My Groups | 4c-math94 Main Page=20Birthday Reminder from the Calendar of 4c-math94Bobby V's Birthday=20Monday May 30, 2005All Day=20This event repeats every year.=20The next reminder for this event will be sent in 23 hours, 59 minutes.=20Yahoo! GreetingsSend a Yahoo! Birthday Greeting.=20Find Birthday GiftsBrowse Yahoo! Shopping's Gift GuideADVERTISEMENTCopyright =A9 2005 Yahoo! Inc. All Rights Reserved.Privacy Policy - Terms of Service=20Yahoo! Groups LinksTo visit your group on the web, go to:http://groups.yahoo.com/group/4c-math94/=20To unsubscribe from this group, send an email to:[EMAIL PROTECTED]=20Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.=20___EDSAMAIL. Internet the way YOU WANT IT.www.edsamail.com.phAsk our other classmates to subscribe, tell them to send an email to:[EMAIL PROTECTED] Discover Yahoo!Have fun online with music videos, cool games, IM more. Check it out! Ask our other classmates to subscribe, tell them to send an email to:[EMAIL PROTECTED]Ask our other classmates to subscribe, tell them to send an email to:[EMAIL PROTECTED]__Do You Yahoo!?Tired of spam? Yahoo! Mail has the best spam protection around http://mail.yahoo.com Ask our other classmates to subscribe, tell them to send an email to: [EMAIL PROTECTED] Yahoo! Groups Links To visit your group on the web, go to:http://groups.yahoo.com/group/4c-math94/ To unsubscribe from this group, send an email to:[EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
[4c-math94] Welcome back, Arlene!
Welcome back, Arlene! I hope your baby will enjoy his or her stay here Pasyal mo rin sya sa mga ina-advertise ng Dept of Tourism, kahit malapit like Intramuros, pati na rin sa likes of Ayala Museum andRizal Park para makita niya ang iba pang culture at history natin... Kahit mainit, ma-traffic and mataas na ang pamasahe, I hope you'll all enjoy your visit sa iyong bayan ... :-)tribalknowledge [EMAIL PROTECTED] wrote: Hi Etut! Thank for the info! Dito, depende sa malls. Dun sa high-end, konti lang yung tao. Otherwise, marami din especially during weekends. Pero yung dami is nothing compared sa dami ng tao sa malls diyan :) Excited na nga ako sa bakasyon naming ito kasi this will be the first time na makikita ng anak ko yung mga lolo at lola niya at mga pinsan niya. Excited na akong makita ang reaction ng anak ko kapag sumakay siya sa jeep :)Ask our other classmates to subscribe, tell them to send an email to:[EMAIL PROTECTED] Discover Yahoo! Stay in touch with email, IM, photo sharing & more. Check it out! Ask our other classmates to subscribe, tell them to send an email to: [EMAIL PROTECTED] Yahoo! Groups Links To visit your group on the web, go to:http://groups.yahoo.com/group/4c-math94/ To unsubscribe from this group, send an email to:[EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
Re: [4c-math94] Re: Welcome back, Arlene! (To Daniel)
Hi, Arlene! Thanks sa reply, andI hope you'll enjoy and have a safe vacation! OK naman ang insurance business, right now I'm getting accreditation with my fourth non-life insurance company (BPI/MS, UCPB General Insurance, Mapfre and now Generali Pilipinas). It's a good thing we're allowed to represent many insurance companies.. that way, the client can canvass through us... hindi na siya mahihirapan, captured mo pa yung business. Anyway, di ko naman bini-build up ang isang company, I present to them around 2 insurance companies, they choose what they like. I'm not really a hard seller, but continuously I have clients because that is where I worked. May sideline pa ako na pre-need (educ plan, pension, memorial, at health card) at Life Insurance na rin. Again, I don't sell hard... I just let them know the insurance company I represent.. if they like it I service them.. :-) Ang mahirap lang ay may second baby na kami now almost ten months old... during the early stages di namin talaga pinapaalaga sa yaya so ako lahat... ako nagpapaligo and nagpapakain sa two kids (3 year old and 10 months old) then I leave them to a relative. That's the hard part, my work is just half day.I leave around 12noon and am home before 7pm. Buti na lang ang non-life insurance ay may renewal so there is business kahit di gaano nag-o-offer. Pero marami akong lost opportunities dahil sa limited time na ina-allot ko. Yup marami nasasayang and nanggigigil ako for those lost businesses. Anyway, ganyan talaga. Ikaw, dagdagan mo na ang baby mo.. isa pa lang di ba? Para may kalaro na ang panganay mo. Pero warning ko lang... talagang napaka-hirap lalo na kung ikaw talaga ang mag-aalaga... Dito na lang, mahaba na,e. Hope to hear from you soon, have a safe trip and God bless you and your family! :-)tribalknowledge [EMAIL PROTECTED] wrote: Hi Daniel. Oo nga, sana mag-enjoy siya. I hope by that time, potty-trained na yung anak ko :)Since pareho kaming galing uste ng mister ko at familiar kami sa Janet's, sabi ko kumain kami dun. Saka dun sa isa pang resto na malapit sa uste na merong masarap na moist chocolate cake (di ko alam ang pangalan, pero parang tanda ko pa kung paano pumunta dun). Baka pumunta rin kaming Catanduanes (Bicol), sa hometown ng parents ko.Kamusta ang insurance business? ArleneAsk our other classmates to subscribe, tell them to send an email to:[EMAIL PROTECTED]__Do You Yahoo!?Tired of spam? Yahoo! Mail has the best spam protection around http://mail.yahoo.com Ask our other classmates to subscribe, tell them to send an email to: [EMAIL PROTECTED] Yahoo! Groups Links To visit your group on the web, go to:http://groups.yahoo.com/group/4c-math94/ To unsubscribe from this group, send an email to:[EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
Re: [4c-math94] Re: Bob and Randy (To Randy)
Hi, Randy, pasingit lang.. if you're asking which one is cheaper, usually mas cheaper anf flexi-rate... fixed rates have high rates simply because if you want security, the lending company will put in a higher rate just to be sure they won't be on the losing end in the future. What you are buying when you avail of the fixed rate is the certatinty that the premiums will remain the same no matter what (syempre that would be more expensive). The flexi rate is cheaper simply because the rates are not guaranteed and that is usually an added concern to the client. :-)spurs [EMAIL PROTECTED] wrote: parang adjusttable rate (ARM) yung kay Randy, iba lang ang tawag sa kanila... arlene, im studying which one is more economical/practical between ARM and fixed rate... it looks like if you don't plan to keep your house for the duration of loan, (which is more likely as per study, 70% keep their house only for less than 7 yrs, they get new or bigger houses after that), ARM tends to be more beneficial (say 7 yrsARM) than the 20 or 30 yrs fixed rate if you will sell it in about 7 yrs but if you plan to keep the house for 30 yrs, or 20 yrs, (which is the duration of the loan), fixed rate is more desireable... thats how i analyze it... ano sa tingin mo??with that said, i might go with 7 or 5 yrs ARM... base sa stats kasi eh baka ibenta ko din to get bigger houses later on in less than 7 or 10 yrs... anyway, nga pala, hindi ko pa tinuloy yung pagbili ko ng house... postpone ko na muna siguro mga oct or nov... i believe builders give better deal during those times, year end, to catch up to their inventory, accdg to my real estate advisor... spurs tonight... dito na sila sa SA... have u seen the last game? was sooo intense diba... very tight... will they win game 6 tonight? abangan...!!!--- In 4c-math94@yahoogroups.com, "tribalknowledge" [EMAIL PROTECTED] wrote: Dito kapag sinabing 30 years fixed rate, for 30 years yun lang ang rate mo. Pero meron ding mga adjustable rate mortgages. Kami 30 years fixed rate :(. Sa previous bahay namin, 15 years fixed rate lang yung loan namin. Kaya lang ngayon, mas malaki yung loan amount, too risky for us na gawing 15 years lang yung loan. Kaya ang ginagawa namin, nag-eextra payment na lang kami every month. Here's an interesting calculator. Using this, you can find out how much you're going to save in interest payment and the duration of the loan payment by making extra payment: http://www.statefarm.com/apps/mortgage- calculators/Calc_Amort_Prepay.asp?PageId=Prepay --- In 4c-math94@yahoogroups.com, "JCR" [EMAIL PROTECTED] wrote: Hi Arlene,Tawag dito fixed rate closed mortgage (my rate is locked for 4 years).. terms dito usually max of 25 years mortgage terms, wala pa kong alam na umabot ng 30 yrs (too long). The house we got is still in GTA (Greater Toronto Area), 3 mins. drive to subway 10 mins drive to my workplace. makakaligtas na ko sa 75km drive daily!!!good luck sa vacation mo... miss ko na rin Janets food saka bilyaran sa uste! di ako nakagala last vacation (2004) busy sa wedding.Randy ... - Original Message - From: tribalknowledge To: 4c-math94@yahoogroups.com Sent: Sunday, June 19, 2005 10:17 PM Subject: [4c-math94] Bob and Randy Hi Bob! Pexer ka rin pala ha. Hi Randy! Congrats din on your new house! Sa Canada ba, ang term ng fixed rate loans, usually 15 years and 30 years din?Okidoki, artichokey!Ask our other classmates to subscribe, tell them to send an email to: [EMAIL PROTECTED] -- Yahoo! Groups Linksa.. To visit your group on the web, go to: http://groups.yahoo.com/group/4c-math94/b.. To unsubscribe from this group, send an email to: [EMAIL PROTECTED]c.. Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.Ask our other classmates to subscribe, tell them to send an email to:[EMAIL PROTECTED]__Do You Yahoo!?Tired of spam? Yahoo! Mail has the best spam protection around http://mail.yahoo.com Ask our other classmates to subscribe, tell them to send an email to: [EMAIL PROTECTED] YAHOO! GROUPS LINKS Visit your group "4c-math94" on the web. To unsubscribe from this group, send an email to:[EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
Re: [4c-math94] Birthday Reminder
Hi, Chi! Happy birthday and may all your dreams and God's plans come true! :-)Yahoo! Reminder [EMAIL PROTECTED] wrote: Ask our other classmates to subscribe, tell them to send an email to:[EMAIL PROTECTED] Birthday Reminder from the Calendar of 4c-math94 Elisa Laborte's Bday Monday June 27, 2005All Day This event repeats every year. Yahoo! GreetingsSend a Yahoo! Birthday Greeting. Find Birthday GiftsBrowse Yahoo! Shopping's Gift Guide ADVERTISEMENT Copyright © 2005 Yahoo! Inc.All Rights Reserved.Privacy Policy - Terms of Service __Do You Yahoo!?Tired of spam? Yahoo! Mail has the best spam protection around http://mail.yahoo.com Ask our other classmates to subscribe, tell them to send an email to: [EMAIL PROTECTED] Yahoo! Groups Links To visit your group on the web, go to:http://groups.yahoo.com/group/4c-math94/ To unsubscribe from this group, send an email to:[EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
Re: [4c-math94] Re: Pray for the Philippines for economic recovery and moral reformation
Nope, I still believe many of us love and care for our country... that is why we pray for ourcountry, that is why we stay in our country, that is why we try to lnow what's goin on even if we're far away, that is why we go back to our country even if we work outside of it ... Problems are just part of it, what's on the news is always what's wrong. Yes, there a lot of things wrong in the country but a lot of people are also doing something to save the country, not necessarily in big things but in small, unreported things. These include volunteers who help the needy, the people who pay taxes honestly, the people who do their best during work, and many ordinary people doing ordinary good things... Yes, there are always problems but these will always exist, and these will be overcome by people who love our country. Let's continue to pray for our country and do good. :-)ogrefoot [EMAIL PROTECTED] wrote: wanna know why it's like this in the country? because nobody reallycares. that's the bottomline.apathy and personal gain is running the country.On 6/23/05, tribalknowledge [EMAIL PROTECTED] wrote: Just want to share this article entitled "Key to social change: Enlightenment of the Elite" from getrealphilippines.com http://www.geocities.com/benign0/3-00_Makati/enlighten1.html Also came across this article from inq7.net which talks about the role of the elite in a society. http://jobmarket.inq7.net/people/people.php?artdate=2005-05- 19artnum=2 The elite is defined in the getreal article as: "Élites", in this case does not necessarily refer only to the well- heeled, well-dressed, and perfumed socio-economic élites. It refers also to the intellectual élites or "intelligentsia", political élites, and other groups of people who wield some form of power or influence among other people. They can be student leaders, labor leaders, baranggay captains, parish priests, etc. They may not always be "rich" or materially well-off, but because other people look up to them, they are, by default, élites. --- In 4c-math94@yahoogroups.com, ogrefoot [EMAIL PROTECTED] wrote: na sa Diyos ang awa, na sa "tao" ang gawa On 6/22/05, [EMAIL PROTECTED] [EMAIL PROTECTED] wrote: Mga Kababayan, Ipagdasal po natin ang ating bansa. Maraming salamat po. Michael Hollmann IT - Operations Programme Great Eastern Life Assurance Co Ltd Reg No. 1908 00011G DID : 6248 2576 - Forwarded by Michael Hollmann/Users/GE/GE_Holdings on 06/22/2005 03:15 PM - Nelson Avestruz nelson_g_avestruz To: nelson avestruz [EMAIL PROTECTED] @yahoo.com cc: Subject: Pray for the Philippines for economic recovery 06/22/2005 02:44 and moral reformation PM Kindly read the article by Fr. Reuter. Its really simple, as suggested by Fr. Reuter, we're launching an email prayer brigade. KINDLY INCLUDE FIVE MINUTES OF PRAYER FOR THE PHILIPPINES IN YOUR DAILY INDIVIDUAL AND YOUR CORPORATE PRAYERS. PASS THE EMAIL ON TO EVERY FILIPINO IN YOUR DIRECTORY AND TO YOUR E-GROUPS. WE NEED ALL THE HEAVENLY HELP WE CAN GET! GOD BLESS THE PHILIPPINES, THE ONLY HOPE FOR THE PHILIPPINES by Father James Reuter, S.J. The signs are clear. Our nation is headed towards an irreversible path of economic decline and moral decadence. It is not for lack of effort. We've seen many men and women of integrity in and out of government, NGOs, church groups people's organization devote themselves to the task of nation-building, often times against insurmountable odds. But not even two people revolutions, bloodless as they may be, have made a dent in reversing this trend. At best, we have moved one step forward, but three steps backward. We need a force far greater than our collective efforts, as a people, can ever hope to muster. It is time to move the battle to the spiritual realm. It's time to claim GOD's promise of healing of the land for His people. It's time to gather GOD's people on its knees to pray for the economic recovery and moral reformation of our nation. Is prayer really the answer? Before you dismiss this as just another rambling of a religious fanatic, I'd like you to consider some lessons we can glean from history. England's ascendancy to world power was preceded by the Reformation, a spiritual revival fuelled by intense prayers. The early American settlers built the foundation that would make it the most powerful nation today - a strong faith in GOD and a disciplined prayer life. Throughout its history, and especially at its major turning points, waves of revival and prayer movement swept across the land. In recent times, we see Korea as a nation experiencing revival and in the process producing the largest Christian church in the world today, led by Rev. Paul Yongi Cho. No wonder it has emerged as a strong nation when other economies around it are faltering. Even from a purely secular viewpoint, it
Re: [4c-math94] Birthday Reminder
Hi, Chi! Andyan ka pala.. I mean, you can read pala the exchanges of e-mails... Anyway, are Joseph and Ged your husband and child? I didn't know... anyway.. kamusta and God bless your entire family! :-)elisa laborte [EMAIL PROTECTED] wrote: Thanks!Yeah, pero nandyan sila sa Manila ngayon, balik sila Malaysia sa July yata.From: bobby villanueva <[EMAIL PROTECTED]>Reply-To: 4c-math94@yahoogroups.comTo: 4c-math94@yahoogroups.comSubject: Re: [4c-math94] Birthday ReminderDate: Sat, 25 Jun 2005 08:11:20 -0700 (PDT)Happy Birthday Chi!Sina Joseph at Ged ba nasa Malaysia na?God bless!Yahoo! Reminder <[EMAIL PROTECTED]>wrote:Ask our other classmates to subscribe, tell them to send an email to:[EMAIL PROTECTED]My Groups | 4c-math94 Main PageBirthday Reminder from the Calendar of 4c-math94Elisa Laborte's BdayMonday June 27, 2005All DayThis event repeats every year.-Yahoo! GreetingsSend a Yahoo! Birthday Greeting. Find Birthday GiftsBrowse Yahoo! Shopping's Gift GuideADVERTISEMENT-Copyright © 2005 Yahoo! Inc. All Rights Reserved.Privacy Policy - Terms of Service-Yahoo! Groups Links To visit your group on the web, go to:http://groups.yahoo.com/group/4c-math94/ To unsubscribe from this group, send an email to:[EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.__Do You Yahoo!?Tired of spam? Yahoo! Mail has the best spam protection aroundhttp://mail.yahoo.comAsk our other classmates to subscribe, tell them to send an email to:[EMAIL PROTECTED]Yahoo! Groups Links* To visit your group on the web, go to:http://groups.yahoo.com/group/4c-math94/* To unsubscribe from this group, send an email to:[EMAIL PROTECTED]* Your use of Yahoo! Groups is subject to:http://docs.yahoo.com/info/terms/ Yahoo! Mail Mobile Take Yahoo! Mail with you! Check email on your mobile phone. Ask our other classmates to subscribe, tell them to send an email to: [EMAIL PROTECTED] Yahoo! Groups Links To visit your group on the web, go to:http://groups.yahoo.com/group/4c-math94/ To unsubscribe from this group, send an email to:[EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
Re: [4c-math94] Re: Birthday Reminder
Thanks, Bob for the info, and sorry din, Chi for assuming! Bob...Ba't suddenly iba yata ang e-mail address mo? Anyway, oo nga pala, it's improbable that they're Chi's husband and daughter.. I overlooked that Chi's surname is still Laborte... :-)bobby_rrv [EMAIL PROTECTED] wrote: Joseph was formerly my officemate at San Miguel. Wife nya si Ged who is also a cousin of Chi. Tama nga ba Chi? :) --- In 4c-math94@yahoogroups.com, jun ramos [EMAIL PROTECTED] wrote: Hi, Chi! Andyan ka pala.. I mean, you can read pala the exchanges of e-mails... Anyway, are Joseph and Ged your husband and child? I didn't know... anyway.. kamusta and God bless your entire family! :-) elisa laborte [EMAIL PROTECTED] wrote: Thanks! Yeah, pero nandyan sila sa Manila ngayon, balik sila Malaysia sa July yata. From: bobby villanueva Reply-To: 4c-math94@yahoogroups.com To: 4c-math94@yahoogroups.com Subject: Re: [4c-math94] Birthday Reminder Date: Sat, 25 Jun 2005 08:11:20 -0700 (PDT) Happy Birthday Chi! Sina Joseph at Ged ba nasa Malaysia na? God bless! Ask our other classmates to subscribe, tell them to send an email to:[EMAIL PROTECTED] Yahoo! Sports Rekindle the Rivalries. Sign up for Fantasy Football Ask our other classmates to subscribe, tell them to send an email to: [EMAIL PROTECTED] Yahoo! Groups Links To visit your group on the web, go to:http://groups.yahoo.com/group/4c-math94/ To unsubscribe from this group, send an email to:[EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
Re: [4c-math94] Birthday Reminder
Hi, Mike, Happy Birthday! Regards to you, Leah and the kids... nakausap ko nga pala kanina si Jo Labung... and we talked about you... :-)Yahoo! Reminder [EMAIL PROTECTED] wrote: Ask our other classmates to subscribe, tell them to send an email to:[EMAIL PROTECTED] Birthday Reminder from the Calendar of 4c-math94 Mike Hollmann's Birthday Thursday July 7, 2005All Day This event repeats every year. Yahoo! GreetingsSend a Yahoo! Birthday Greeting. Find Birthday GiftsBrowse Yahoo! Shopping's Gift Guide ADVERTISEMENT Copyright © 2005 Yahoo! Inc.All Rights Reserved.Privacy Policy - Terms of Service Do you Yahoo!? Read only the mail you want - Yahoo! Mail SpamGuard. Ask our other classmates to subscribe, tell them to send an email to: [EMAIL PROTECTED] YAHOO! GROUPS LINKS Visit your group "4c-math94" on the web. To unsubscribe from this group, send an email to:[EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
Re: [4c-math94] michael and louie
Happy birthday din, Louie! :-)[EMAIL PROTECTED] wrote: michael and louie, advance happy birthday!---This e-mail message (including attachments, if any) is intended for the useof the individual or entity to which it is addressed and may containinformation that is privileged, proprietary , confidential and exempt fromdisclosure. If you are not the intended recipient, you are notified thatany dissemination, distribution or copying of this communication isstrictly prohibited. If you have received this communication in error,please notify the sender and erase this e-mail message immediately.---Ask our other classmates to subscribe, tell them to send an email to:[EMAIL PROTECTED] Sell on Yahoo! Auctions - No fees. Bid on great items. Ask our other classmates to subscribe, tell them to send an email to: [EMAIL PROTECTED] YAHOO! GROUPS LINKS Visit your group "4c-math94" on the web. To unsubscribe from this group, send an email to:[EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
Re: [4c-math94] Birthday Reminder
happy birthday din Jenny! :-)Yahoo! Reminder [EMAIL PROTECTED] wrote: Ask our other classmates to subscribe, tell them to send an email to:[EMAIL PROTECTED] Birthday Reminder from the Calendar of 4c-math94 Jenny's b-day Friday July 8, 2005All Day This event repeats every year. Yahoo! GreetingsSend a Yahoo! Birthday Greeting. Find Birthday GiftsBrowse Yahoo! Shopping's Gift Guide ADVERTISEMENT Copyright © 2005 Yahoo! Inc.All Rights Reserved.Privacy Policy - Terms of Service Do you Yahoo!? Yahoo! Mail - You care about security. So do we. Ask our other classmates to subscribe, tell them to send an email to: [EMAIL PROTECTED] SPONSORED LINKS Philippine hotels Philippine phone card YAHOO! GROUPS LINKS Visit your group "4c-math94" on the web. To unsubscribe from this group, send an email to:[EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
Re: [4c-math94] Re: Sana tama sila... at mali ako
Pa-share din... I was into volunteer works for around four years... sometimes we go to a small town and clean the area... the following year, we go back again... frustrating because they depended on voluteers... so I said maybe eductaion is the real answer... so we did focus on educating the people through lectures... still frustrating because what happened seemed to be just presentation of facts, it seemed they did not learn... I kept wondering what we could do for them... we set an example they rely on us; we teach, they don't act... maybe after those two, it's just good to pray for them... that's why now I appreciate the contemplatives.. they dedicate their life to prayer constantly praying that someday people will change... In the meantime,I think we should mind our business more... I read from a book by Andrew Matthews which says, "the best thing we can do for the poor is to be not one of them"... maybe, if we work hard, pay our taxes, make the company we work for productive, our company will prosper... our kids will see our example and from there, a new breed of population will come... let's be honest in our dealings, let's not waste office hours, and let's educate our kids who will run our country in the future... Let's pray constantly, too... join rallies? Hopefully our attendance in rallies would be minimal... let's start with ourselves , and like Bob, educate the people around us... we can only doso much, let's do all that we can... Need to cut my part short... got to go again... God blessyou all! :-) tribalknowledge [EMAIL PROTECTED] wrote: "Do not ridicule them but educate them." - agree with you 100%! Pero anong institution nga ba ang dapat gumawa nito? Eskuwelahan? Eh wala ngang perang pang-aral. Simbahan? Majority sa atin kristiyano pero bakit questionable ang attitude/behaviour/ethics ng nakararami? Pamilya? Eh watak-watak nga paano pa makaka-provide ng proper guidance si nanay/tatay? How frustrating :(--- In 4c-math94@yahoogroups.com, bobby villanueva [EMAIL PROTECTED] wrote: Thanks arvin. Lets all hope we come out stronger and wiser in the coming months. killyrbf [EMAIL PROTECTED] wrote: Give them a better choice and make them think twice. Do not ridicule them but educate them. We can just hope that in time we Filipinos would not be just educated in our minds but also in our hearts.^ Real talk right there. Hats off to you, Bob. I have your back on this one. Got Milk? ( . )( . ) --- In 4c-math94@yahoogroups.com, bobby villanueva [EMAIL PROTECTED] wrote: Would it then turn out that all the power would be upon the wealthy? I'm not saying that that isn't the case now. I also believe that some of the wealthy would foremost just look for the good of their own selfish interests. Let's not get stuck with generalizations because believe it or not some of those educated support Erap and not for their own selfish interests. No, these people are college graduates and are in management positions of their companies. They just sincerely believe that Erap would turn things around and is the only one that shows concern for the poor.Of course I don't believe in this. But what is important here is that in their eyes that is what they see. That is what they believe.In the lack of genuine, selfless, exceptional leadership the people would turn to those they believe in even that larger-than-life heavy drinking screen idol with a multitude of mistresses.Give them a better choice and make them think twice. Do not ridicule them but educate them.We can just hope that in time we Filipinos would not be just educated in our minds but also in our hearts.God bless!Nicandro Filart Jr [EMAIL PROTECTED] wrote: For those who didn't get the joke, this wasn't from me and pls don't forward with my name those chain letters have a way of creating a life of their own Kung ako masusunod dapat yung votes is equal to the amount of tax you paid parang company your vote is equal to your number of shares mas marami kang bayad na tax mas malaki dapat influence mo Regarding "lack of education" it's not necessarily true that people in the provinces are less educated, it's actually the urban poor yung mga "ignorant" at nagpapagamit and FYI the electoral college system in the US was designed to protect the smaller states hence the smaller states have disproportionately larger percentage of electoral votes vs their population - i.e. they will always have 3 (or was it 2) votes no matter how small their population is - From: 4c-math94@yahoogroups.com [mailto:[EMAIL PROTECTED] On Behalf Of spurs Sent: Wednesday, July 06, 2005 3:10 AM To: 4c-math94@yahoogroups.com Subject: [4c-math94] Re: Sana tama sila... at mali ako kala ko pa naman totoong galing kay nic... hehe may point siya... .. i somehow agree when he said na dapat tax payers lang ang pwedeng bumoto... yung sakin naman non, i said, dapat parang US,
Re: [4c-math94] Birthday Reminder (To Anette)
Happy birthday din, Anette! :-)Yahoo! Reminder [EMAIL PROTECTED] wrote: Ask our other classmates to subscribe, tell them to send an email to:[EMAIL PROTECTED] Reminder from the Calendar of 4c-math94 Annette Tiu's Bday Thursday July 21, 2005All Day This event repeats every year. ADVERTISEMENT ZIP code where you park at night. Do you currently have auto insurance? Yes No Have you had a U.S driver's license for more than 3 years? Yes No Has any driver in your household had 2 or more accidents or moving violations in the last 3 years? Yes No Copyright © 2005 Yahoo! Inc.All Rights Reserved.Privacy Policy - Terms of Service Start your day with Yahoo! - make it your home page Ask our other classmates to subscribe, tell them to send an email to: [EMAIL PROTECTED] SPONSORED LINKS Philippine hotels Philippine phone card YAHOO! GROUPS LINKS Visit your group "4c-math94" on the web. To unsubscribe from this group, send an email to:[EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
Re: [4c-math94] Birthday Reminder (to Tess)
Happy birthday din, Tess! :-)Yahoo! Reminder [EMAIL PROTECTED] wrote: Ask our other classmates to subscribe, tell them to send an email to:[EMAIL PROTECTED] Reminder from the Calendar of 4c-math94 Tess b-day Sunday July 24, 2005All Day This event repeats every year. ADVERTISEMENT Copyright © 2005 Yahoo! Inc.All Rights Reserved.Privacy Policy - Terms of Service Start your day with Yahoo! - make it your home page Ask our other classmates to subscribe, tell them to send an email to: [EMAIL PROTECTED] YAHOO! GROUPS LINKS Visit your group "4c-math94" on the web. To unsubscribe from this group, send an email to:[EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
[4c-math94] The better side of the Philippines
THE BETTER SIDE OF THE PHILIPPINES Subject: Go Philippines!!! The following was written by INTEL General Manager Robin Martin about the Philippines: Filipinos (including the press, business people and myself) tend to dwell too much on the negative side, and this affects the perception of foreigners, even the ones who have lived here for a while. The negative perception of the Philippines is way disproportionate to reality when compared to countries like Columbia, Egypt, Middle East, Africa, etc. Let us all help our country by balancing the negative with the positive especially when we talk to foreigners, whether based here or abroad. Looking back and comparing the Philippines today and 1995 (the year I came back), I was struck by how much our country has progressed physically. Consider the following: 1. The great telecom infrastructure that we have now did not exist in 1995. 1995 was the year the telecom industry was deregulated. Since then billions of dollars have been invested in both fixed line and cellular networks producing a system with over 5,000 kms of fiber optic backbone at a world competitive cost. From a fixed line capacity of about 900,000 in 1995 we now have over 7 million. Cellular phones practically did not exist in 1995; now we have over 11 million line capacity. 2. The MRT, many of the EDSA flyovers (including the Ayala Avenue flyover), the SKYWAY, Rockwell and Glorietta 4, the Fort, NAIA terminal 2 and most of the new skyscrapers were not yet built in 1995. 3. If you drive to the provinces, you will notice that national roads are now of good quality (international quality asphalt roads). I just went to Iba, Zambales last week and I was impressed that even a not so frequently travelled road was of very good quality. 4. Philippine exports have increased by 600% over the past eight years. There are many, many more examples of progress over the last eight years. Philippine mangoes are now exported to the US and Europe. Additional tidbits to make our people prouder: 1. INTEL has been in the Philippines for 28 years. The Philippines plant is where Intel's most advanced products are launched, including the Pentium IV. By the end of 2002, Philippine operations are expected to be Intel's biggest assembly and testing operations worldwide. 2. TEXAS INSTRUMENTS has been operating in Baguio for over 20 years. The Baguio plant is the largest producer of DSP chips in the world. DSP chips are the brains behind cellphones. TI's Baguio plant produces the chip that powers 100% of all NOKIA cellphones and 80% of Erickson cellphones in the world. 3. TOSHIBA laptops are produced in Santa Rosa, Laguna. 4. If you drive a BENZ, BMW, or a VOLVO, there is a good chance that the ABS system in your car was made in the Philippines. 5. TREND-MICRO, makers of one of the top anti virus software PC-Cillin (I may have mispelled this) develops its "cures" for viruses right here in Eastwood Libis, Quezon City. When a virus breaks in any computer system in the world, they try to find a solution within 45 minutes of finding the virus. 6. By the end of this year, it is expected that a majority of the top ten U.S. Call Center firms in the U.S. will have set up operations in the Philippines. This is one area in which I believe we are the best in the world in terms of value for money. 7. America Online (AOL) has 1,000 people in Clark answering 90% of AOL's global e-mail inquiries. 8. PROCTOR GAMBLE has over 400 people right here in Makati (average age 23 years) doing back-up office work to their Asian operations including finance, accounting, Human Resources and payments processing. 9. Among many other things it does for its regional operations network in the Asia-Pacific region here in Manila, CITIBANK also does its global ATM programming locally. 10. This is the first year ever that the Philippines will be exporting cars in quantity courtesy of FORD Philippines. 11. The government is shedding off graft and corruption slowly but surely. This is the first time in our history that a former president is in jail and facing charges of plunder. Despite all odds, we are still pursuing the ill-gotten wealth of Marcos now enjoyed by his unrepentant heirs. Next time you travel abroad and meet business associates tell them the good news. A big part of our problem is perception and one of the biggest battles can be won simply by believing and by making others believe. This message is shared by good citizens of the Philippines who persevere to hope and work for our country. PLEASE PASS THIS ON TO OTHER FILIPINOS!!! Ask our other classmates to subscribe, tell them to send an email to:[EMAIL PROTECTED] Start your day with Yahoo! - make it your home page Ask our other classmates to subscribe, tell them to send an email to: [EMAIL PROTECTED]
[4c-math94] Volunteer works (To Arvin)
Yung mga clean ups, I remeber sa Mabini, Batangas. Thrice yata. My group also had clean ups and seminars on Solid Waste Mangament in Cavite. We did the clean ups around September, in observation of International Coastal Clean Up. But we have visited many places... usually medical missions... sa Sapang Palay, Bulacan; sa Pampanga; sa Palawan; sa Kalinga (formerly part of Kalinga - Apayao), sa Naga... I can't remember kung meron pa... we also did Annual Environmental Youth Camps.. I attended four times yata. Meron din sa Makati before, computer tutorials, then english grammar, pero once lang.ibalknowledge [EMAIL PROTECTED] wrote: Daniel, Arvin, I'm just curious, saang lugar yang mga pinuntahan ninyo? --- In 4c-math94@yahoogroups.com, "killyrbf" [EMAIL PROTECTED] wrote: poor teaching methods??? nah, daniel, just joking. these type of work isn't a yearly thing. "you got to keep up the pressure", sabi nga sa basketball. "48 minutes of hell". ...one time we went to a baranggay. we were to talk about starting home-based business. the chairman was asked to gather "listeners". within a few minutes the lecture areas was packed with people, housewives, teeners, kids. before the talk started a few quetions were asked. among them: will we be providing snacks? will we be providing capital for the business? answers go like these: we had funds for the snack but not for business capital. within seconds, the lecture area was cleared. were we supposed to go back after a year?? NO. the following day we were there again. (masochist, we are.) a couple of young wives showed up with their kids. they asked if they could have the snacks early as their children haven't eaten yet. snacks were given and we talked about how to get a home-based business going.. where to get capital, how to market, etc. the 3rd day, the same 2 ladies and their children showed up. they had 3 older ladies with them. all 3 had children with them as well. of course, snack were served before the lecture. last i heard, these 5 ladies have steady income. a daycare. a sari-sari store. a carinderia. i have a couple more stories similar to this one, but i know you already get it. ;)Got Milk? ( . )( . ) --- In 4c-math94@yahoogroups.com, jun ramos [EMAIL PROTECTED] wrote: Pa-share din...I was into volunteer works for around four years... sometimes we go to a small town and clean the area... the following year, we go back again... frustrating because they depended on voluteers... so I said maybe eductaion is the real answer... so we did focus on educating the people through lectures... still frustrating because what happened seemed to be just presentation of facts, it seemed they did not learn... I kept wondering what we could do for them... we set an example they rely on us; we teach, they don't act... maybe after those two, it's just good to pray for them... that's why now I appreciate the contemplatives.. they dedicate their life to prayer constantly praying that someday people will change... In the meantime, I think we should mind our business more... I read from a book by Andrew Matthews which says, "the best thing we can do for the poor is to be not one of them"... maybe, if we work hard, pay our taxes, make the company we work for productive, our company will prosper... our kids will see our example and from there, a new breed of population will come... let's be honest in our dealings, let's not waste office hours, and let's educate our kids who will run our country in the future...Let's pray constantly, too... join rallies? Hopefully our attendance in rallies would be minimal... let's start with ourselves , and like Bob, educate the people around us... we can only do so much, let's do all that we can...Need to cut my part short... got to go again... God bless you all! :-)tribalknowledge [EMAIL PROTECTED] wrote: "Do not ridicule them but educate them." - agree with you 100%! Pero anong institution nga ba ang dapat gumawa nito? Eskuwelahan? Eh wala ngang perang pang-aral. Simbahan? Majority sa atin kristiyano pero bakit questionable ang attitude/behaviour/ethics ng nakararami? Pamilya? Eh watak-watak nga paano pa makaka-provide ng proper guidance si nanay/tatay? How frustrating :(--- In 4c-math94@yahoogroups.com, bobby villanueva [EMAIL PROTECTED] wrote: Thanks arvin. Lets all hope we come out stronger and wiser in the coming months. killyrbf [EMAIL PROTECTED] wrote:Give them a better choice and make them think twice. Do not ridicule them but educate them. We can just hope that in time we Filipinos would not be just educated in our minds but also in our hearts.^ Real talk right there. Hats off to you, Bob. I have your back on this one. Got Milk? ( . )( . ) --- In 4c-math94@yahoogroups.com, bobby villanueva [EMAIL PROTECTED] wrote:Would it then turn out th
[4c-math94] Ayala Life Insurance Products
Hello people! SONA na! And by this time siguro tapos na ang usapn tungkol sa mga resignation, etc. Antayin na lang natin ang impeachment... back to normal lives na. Kaya eto... mag-aalok na naman ako ng insurance :-) By the way, please don't think of Life Insurance as extra expense. The motto of our agency in life insurance goes this way. "Life Insurance: Money for tomorrow because somebody cared today". Also, naglagay ako ng P100,000.00 insurance coverage (minimum). Of course this is never enough, pero para sa mga wala pang life insurance, better to have some savings kaysa wala. Anyway, we can get as many life insurance policies as we want (unlike in Fire and Car Insurance)... Pwede rin sa husbands / wives ninyo... ::: These are Ayala Life Assurance, Inc. (ALAI) products. The premiums are computed for our age (33 years old). Sa insurance kasi, over 32 years 6 months is considered 33. Products for Insurance Age: 33 years old Note: Dividends quoted here are not guaranteed. They will depend on the companys future experience. All other benefits are guaranteed. Standard benefits are indicated at the bottom of this message.:::I. Life Achiever 60 * Insurance Coverage is until age 60. Upon reaching age 60, the amount of coverage will be given in full which you can re-invest or use for anything else. Thus, its like saving money for the old age, while getting insurance in the process. (Also available: Life Achiever 45, 50 and 55) Initial Coverage 100,000.00 500,000.00 Annual Premium: 2,877.00 12,785.00 Semi-Annual 1,553.58 6,903.90 Quarterly 805.56 3,759.80 Benefits 100,000.00 500,000.00 Sample Dividend at Age 60: 67,776.00 338,881.00 Benefit by Age 60 (Living or Death Cloaim) 167,776.00 838,881.00 Sample benefits before 60: Sample Dividend at Age 55 32,768.00 163,839.00 Guaranteed Cash value at Age 55 68,500.00 342,500.00 Death Claim at Age 55 132,768.00 663,839.00 In case client wishes to terminate plan at age 55 101,268.00 506,339.00 II. Access Gold * This is the most affordable ALAI product which has lifetime coverage. Paying period is lifetime. However, if dividends and cash values are kept intact, policy could be self-liquidating after 21 years around age 54; or mature as an endowment after 33 years around age 66; that is, well get amount of coverage while still alive but plan terminates.) Initial Coverage 100,000.00 500,000.00 Annual Premium: 2,487.00 10,835.00 Semi-Annual 1,342.98 5850.90 Quarterly 696.36 3,033.80 Values of Your Plan for continuous payments Benefits: Guaranteed Cash Value at age 60 33,700.00 168,500.00 Sample Dividend at age 60 32,166.00 160,828.00 Thus, if client still alive at age 60 but decides to terminate, benefits will be (cash value + dividend): 65,866.00 329,328.00 If client dies at age 60, benefits will be (amount of coverage + dividend) 132,166.00 660,828.00 Guaranteed Cash Value at age 70 51,500.00 257,500.00 Sample Dividend at age 70 87,059.00 435,296.00 Client, still alive at age 70 but decides to terminate 138,559.00 692,796.00 Death at age 70 187,059.00 935,926.00 III. Advance 8 * The coverage of this plan is whole life but payment period is guaranteed fixed for eight yearsand is not dependent on dividends. (Also available: Advance 5) Initial Coverage 100,000.00 500,000.00 Annual Premium: 4,491.00 20,855.00 Semi-Annual 2,425.14 11,261.70 Quarterly 1,257.48 5,839.40 Values of Your Plan Benefits: Guaranteed Cash Value at age 60 39,800.00 199,000.00 Sample Dividend at age 60 32,763.00 163,813.00 Thus, if client still alive at age 60 but decides to terminate, benefits will be (cash value + dividend): 72,563.00 362,813.00 If client dies at age 60, benefits will be (amount of coverage + dividend) 132,763.00 663,813.00 Guaranteed Cash Value at age 70 55,000.00 275,000.00 Sample Dividend at age 70 84,539.00 422,697.00 Client, still alive at age 70 but decides to terminate 139,539.00 697,697.00 Death at age 70 184,539.00 922,697.00 IV. Acquire 20 * The coverage of this plan is 20 years, payable in 10 years, guaranteed. In this plan, there are cash returns starting at year 12 up to year 19. On the 20th year, the coverage will be given in full. Thus, the guaranteed total of the cash benefits, excluding dividends, is equivalent to twice the insurance coverage. (Also available: Acquire 15) Initial Coverage 100,000.00 500,000.00 Annual Premium: 14,435.00 70,125.00 Semi-Annual 7,746.30 37,867.50 Quarterly 4,016.60 19,635.00 Amount of Insurance Coverage 100,000.00 500,000.00 Year 1 5 100,000.00 500,000.00 Year 6 20 200,000.00 1,000,000.00 Cash Benefits 100,000.00 500,000.00 Guaranteed Cash Benefits, on top of the dividends, can be availed yearly starting at year 12 up to
[4c-math94] Pre-Need Companies
Also, since I'm in the insurance / pre-need industry, I think it's my duty to share these concepts / news regardingpre-need companies... Pre-need companies offer 3 main products:(1) Educational Plan; (2) Pension Plan and (3) Life Plan or Memorial Plan. Educational Plans are usually classified into two: (1) Traditional Eductaion Plans - the ones in troule today and (2) Fixed Vakued Educational Plans. Traditional Educational Plans Upon maturity, a pre-need firm pays the tuition of a beneficiary regardless of amount (checks are paid to the school) Fix Valued Educational Plans - Upon maturity, a pre-need firm pays the beneficiary an agreed amount (checks are paid to the plan holder, not to the school) So, kung traditional and plan ninyo, there's a chance na may problem, pero not necessarily applicable for all. May ok pa naman. Kung fixed value, probably walang problem. Also President Arroyo mentioned some efforts to save the pre-need industry.. Let's pray, makaahon pa ito... Anyway, here are some articles you might want to know... baka kasi bumubili na kayo and medto delikado yung company na kausap ninyo: Pre-needs Dilemma (by Mary Ann Reyes, Hidden Agenda, April 25, 2005, Philippine Star) After 1992 when tuition fee increases were deregulated, many pre-need firms stopped selling open ended (traditional) and instead offered fixed value plans but some continued to do so. For instance, CAP continued to sell open-ended plans from 1992 to 2002 despite the tuition fee increase deregulation There is rumor in the pre-need industry that Platinum is next Platinum is dead not dying There are also rumors that Prudential is next in line but we have yet to confirm the reports. Not all is lost for the pre-need industry however. There are companies that have invested their planholders money wisely and have trust fund surpluses I heard that some of the healthier companies that have put more of the money on trust funds and less on commissions and other expenses are Philam and Loyola At least 70 percent of the pre-need firms are safe Philippine Star (page B-8, 5/7/2005) the Securities and Exchange Commission disclosed earlier that it has been monitoring the operation of 12 pre-need firms that have offered traditional educational plans to prevent more industry players from ending up like CAPs and PPIs situation. Besides the troubled CAP and Pacific Plans, the other pre-need firms being monitored by SEC are: Eduplan Philippines, Inc., Eternal Plans, Inc., Legacy Consolidated Plans, Inc., PET Plans, Inc., Platinum Plans Philippines, Inc., Pryce Plans, Inc., TPG Corp., Trusteeship Plans, Inc., and Scholarship Plans Phils., Inc. Start your day with Yahoo! - make it your home page Ask our other classmates to subscribe, tell them to send an email to: [EMAIL PROTECTED] YAHOO! GROUPS LINKS Visit your group "4c-math94" on the web. To unsubscribe from this group, send an email to:[EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
[4c-math94] Happy Birthday Reminder (Debbie and Dogie)
Happy birthday Debbie and Dogie! God bless you and your families! :-)Yahoo! Reminder [EMAIL PROTECTED] wrote: Ask our other classmates to subscribe, tell them to send an email to:[EMAIL PROTECTED] Reminder from the Calendar of 4c-math94 Dodgie Birthday Saturday July 30, 2005All Day This event repeats every year. ADVERTISEMENT Copyright © 2005 Yahoo! Inc.All Rights Reserved.Privacy Policy - Terms of Service Start your day with Yahoo! - make it your home page Ask our other classmates to subscribe, tell them to send an email to: [EMAIL PROTECTED] YAHOO! GROUPS LINKS Visit your group "4c-math94" on the web. To unsubscribe from this group, send an email to:[EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
[4c-math94] Fwd: FW: math wizard
Note: forwarded message attached. Start your day with Yahoo! - make it your home page Ask our other classmates to subscribe, tell them to send an email to: [EMAIL PROTECTED] YAHOO! GROUPS LINKS Visit your group "4c-math94" on the web. To unsubscribe from this group, send an email to:[EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service. ---BeginMessage--- This email contains confidential information for the sole use of the intended recipient/s. If you are not the intended recipient, please contact the sender, delete this email and maintain the confidentiality of what you may have read. Doris D. Ramos Billing Collection Group Life Admin Services *7537254 [EMAIL PROTECTED] -Original Message- From: ALAI GLAS Policy Services (Arjay Banaag) Sent: Tuesday, July 05, 2005 1:50 PM Subject: math wizard Importance: High try.html Title: brain teaser Try to get 56 in all theblue boxes, using the pull-down lists! = = = = = = = 3 7 15 31 3 7 15 31 3 7 15 31 3 7 15 31 = = 3 7 15 31 3 7 15 31 3 7 15 31 3 7 15 31 = = 3 7 15 31 3 7 15 31 3 7 15 31 3 7 15 31 = = 3 7 15 31 3 7 15 31 3 7 15 31 3 7 15 31 = = = = = = = This script was written by Paul Barendregt =---End Message---
[4c-math94] Mel T (Buying a House)
Hi, Mel... Long time since i checked my mails... pwede rin be mag-suggest? Without any if's and but's, No. 1 na lang (suggestion lang ha!).What's important is what's REALLY NICE, nothing else... except the budget of course. At the end of the day, you'd want to be in a home that's really nice and that you really like and one that you'll be proud of for a very long time . Secondary na ang close to work, return of investment, crime rate, etc.You already know what's REALLY NICE. :-) Hehehe... same lang pala ang suggestion ko as yung kay joon. Good luck![EMAIL PROTECTED] wrote: Rommel,Eventhough you didn't ask for my opinion I'll give you one...hehe...Buy something which will make you happy not only when you move in but one that will make you smile whenever you see it...Basing on your descriptions of your choices, I'm guessing you prefer number 1.If you consider investment as a driver for your choice, think about the 3-5 years from now. Do you think the house you'll buy in No. 2 will have the same appreciation than the house in No. 1 considering it has a new freeway, golf course and WOW factor.Anyways, yun lang payo ko :)-Original Message-From: spurs [EMAIL PROTECTED]To: 4c-math94@yahoogroups.comSent: Mon, 17 Oct 2005 14:27:03 -Subject: [4c-math94] Re: Classmates in Texas :: Musta na hi randz...ok lang naman ako here... my house hunting? yeah i started lookingagain... diba nung april nagstart na ko, pero i postponed it foryear end... so now im back to hunting... i have a realtor agentna... and we looked for houses last sat... im eyeing for newconstructions rather than existing homes... hopefully i would beable to close by end of month, para masimulan na construction...should be ready by april, which is in time cuz my lease is up thattime... and i did found something i like, but still thinking veryhard to make that decision in which area/location...arlene/annette, i want to ask your opinion... kung kayo, which one ugonna prefer in this 2 area/location to buy a house:1. 40-50 min from downtown on rush hour (where i work), but the areais REALLY NICE!!, upscale masterplanned/golf course community,uphill, nice view, lots of trees, with a WOW factor... but thenearest access to freeway will soon start contruction for a tollwayby early next year, that would last probably mga 5 yrs... so imaginethe traffic... not too far from shoppings/dinings, and there'sreally lots of development in the area... new prime area in sanantonio, and is one of the 3 prime areas here...or.2. 25-30 min from downtown, area is also nice, but not as nice asthe first, no WOW factor, more in the mature neighborhood (like 5yrs up) yung sourrounding neighborhood, more on the regular/ordinaryenvironment, fully developed na yung neighborhood, lots of nearbyshopping/dining din...ano sa tingin nyo? im confuscious!!!...--- In 4c-math94@yahoogroups.com, "crandzfv01"[EMAIL PROTECTED] wrote: Hi Arlene / Rommel, Eto ok naman kame Medyo busy sa bahay... yung masters pa lang na fufurnish namin..wala pang laman yung other 2 bedrooms.. malapit na naman mag-winter... buti na lang maliit lang driveway ko palabas ng garage (konti langi sho shovel hi hi hi). Arlene, kamusta yung 2nd house mo? Mel, how is your house hunting? Joon/Laarni san kayo sa Markham, malapit ba kayo sa new devs. on9th line 16th? Cheers... Randy ... --- In 4c-math94@yahoogroups.com, "tribalknowledge" [EMAIL PROTECTED] wrote: Hi to all! Randy, ok naman kami. Mabilis nga lang nauubos ang pera dahilsa taas ng taas ang price ng gas. During the time na tumama yung Ritasa TX, medyo malakas hangin dito sa North TX pero wala namang ulan. Ikaw, kamusta na? Arlene Ask our other classmates to subscribe, tell them to send an email to:[EMAIL PROTECTED]Yahoo! Groups Links Yahoo! FareChase - Search multiple travel sites in one click. Ask our other classmates to subscribe, tell them to send an email to: [EMAIL PROTECTED] YAHOO! GROUPS LINKS Visit your group "4c-math94" on the web. To unsubscribe from this group, send an email to:[EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
Re: [4c-math94] Birthday Reminder
Hi, Arlene! Happy birthday!4c-math94@yahoogroups.com wrote: Ask our other classmates to subscribe, tell them to send an email to:[EMAIL PROTECTED] Reminder from the Calendar of 4c-math94Arlene's Birthday Sunday November 6, 2005All Day This event repeats every year. Yahoo! GreetingsSend a Yahoo! GreetingFind GiftsBrowse Yahoo! Shopping's Gift Guide ADVERTISEMENT Copyright © 2005 Yahoo! Inc.All Rights Reserved.Privacy Policy - Terms of Service Yahoo! Personals Single? There's someone we'd like you to meet. Lots of someones, actually. Try Yahoo! Personals Yahoo! Music Unlimited - Access over 1 million songs. Try it free. Ask our other classmates to subscribe, tell them to send an email to: [EMAIL PROTECTED] SPONSORED LINKS Philippine phone card Philippine hotels YAHOO! GROUPS LINKS Visit your group "4c-math94" on the web. To unsubscribe from this group, send an email to:[EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
[4c-math94] HMO (Philam) and Health Insurance (Prudential) Price List
Hi, Nick! As requested, eto na yung HMO(from Philam) at Health Insurance price list (from Prudential).Good luck! Yahoo! Photos Showcase holiday pictures in hardcover Photo Books. You design it and well bind it! Ask our other classmates to subscribe, tell them to send an email to: [EMAIL PROTECTED] SPONSORED LINKS Philippine phone card Philippine hotels YAHOO! GROUPS LINKS Visit your group "4c-math94" on the web. To unsubscribe from this group, send an email to:[EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service. Nick Filart.xls Description: 312234553-Nick Filart.xls
[4c-math94] HOW TO HAVE 1.0 MILLION BY AGE 40, 50 OR 60 PLUS MUCH MORE
Hello everyoneBaka interested kayo to save for your future... i.e, if you target to have 1.0 million for your retirement... or just in a couple of years.. :-) Here are the annual premiums. These premium are from Manulife, an insurance company also from Canada. It currently ranks no 5 here in our country in terms of premiums. :-) By saving in a pension plan, you are assured that whatever happens, the target amount can still be achieved for the people you'll leave behind. :-)THE PREMIUMS BELOW ARE FOR AGE 33. Thanks! By Age 6015 years saving plan - P18,057 Estimated Dividends: (P407,50 to P608,110) 10 years saving plan - P21,251 Estimated Dividends: (P322,410 to P504,440) 5 years saving plan - P35,625 Estimated Dividends: (P509,730 to P808,300) By age 50 15 years saving plan - P37,334 Estimated Dividends: (P211,680 to P301,760) 10 years saving plan - P44,811 Estimated Dividends: (P185,080 to P270,170) 5 years saving plan - P85,410 Estimated Dividends: (P319,190 to P473,650) By age 40 5 years saving plan - P178,531 Estimated Dividends: (P101,870to P141,900) Estimated dividends are given on top of the guaranteed P1.0million that you are saving. The left and rightamounts represent theconservative scenario and the current scenario, respectively.For smaller amounts like P500,000, simply divide the annual premium by two. For amounts less than P500,000, I can give you the prices. I am more accessible thru text message, so just kindly text if you would be interested. Or, text me if you have an e-mail message for me. Thanks! :-)Thanks and hope some of you will save! :-) Daniel 0917-9177683 How low will we go? Check out Yahoo! Messengers low PC-to-Phone call rates. __._,_.___ Ask our other classmates to subscribe, tell them to send an email to: [EMAIL PROTECTED] SPONSORED LINKS Philippine phone card Philippine hotels YAHOO! GROUPS LINKS Visit your group "4c-math94" on the web. To unsubscribe from this group, send an email to:[EMAIL PROTECTED] Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service. __,_._,___
Re: [4c-math94] Birthday Reminder
Thanks, Mike! How I wish I could go out of the country para maka-pamasyal... mukhang matagal pang mangyayari yun a... Anyway, ok naman ako right now, nagtrabaho ako uli for extra income... palaki nang palaki ang gastos e... pero agent pa rin ako sa umaga... English on-line teacher from 2pm to 11pm. Hehehe... halatang tag hirap no? Di ko nga alam kung makakatagal ako... one week pa lang ako, di ako sanay gabihin e... sanay pa nga ako mag-alaga ng bata e...kaya nami-miss ko sila... lalo na nung first day ko, kasi pagdating ko, tulog na silang tatlo... besides, the job is really new to me... pero subok na rin... excited din naman ako matuto e... basta't hangga't kaya sige lang ng sige hehehe... :-) Thanks uli , and regards to Leah and the kids... dalawa na 'di ba? Unless di ko alam yung iba... hehehe... joke lang! :-) [EMAIL PROTECTED] wrote: Hi Daniel, Happy Birthday pareng Jhun (nickname ni Daniel sa mga di nakakaalam) !!! Many more to come. Dalaw kayo ng family mo dito sa Singapore, basketball tayo =) Regards, Michael Hollmann IT - Operations Programme Great Eastern Life Assurance Co Ltd Reg No. 1908 00011G DID : 6839-4415 Yahoo! Reminder [EMAIL PROTECTED] To: 4c-math94@yahoogroups.com yahoo.com cc: Sent by: Subject: [4c-math94] Birthday Reminder [EMAIL PROTECTED] oups.com 02/01/2007 12:01 AM Please respond to 4c-math94 Reminder from: 4c-math94 Yahoo! Group Title: Daniel Ramos' Bday Date: Sunday February 4, 2007 Time: All Day Repeats: This event repeats every year. Yahoo! Greetings: Send a Yahoo! Greeting Yahoo! Shopping: Browse Yahoo! Shopping Gift Guide Get reminders on your mobile, Yahoo! Messenger, and email.Edit reminder options Copyright © 2007 Yahoo! Inc. All Rights Reserved | Terms of Service | Privacy Policy - No need to miss a message. Get email on-the-go with Yahoo! Mail for Mobile. Get started.
Re: [4c-math94] Re: Birthday Reminder
Thanks, Arlene! tribalknowledge [EMAIL PROTECTED] wrote: Belated happy birthday Arvin and Daniel! :) - Food fight? Enjoy some healthy debate in the Yahoo! Answers Food Drink QA.
[4c-math94] Fwd: thanks to all spammers! (not your ordinary chain letter)
Note: forwarded message attached. - Now that's room service! Choose from over 150,000 hotels in 45,000 destinations on Yahoo! Travel to find your fit.---BeginMessage--- Subject: FW: thanks to all spammers! (not your ordinary chain letter) I want to thank all of you who have taken the time and trouble to send me your chain letters over the past few years. Yes, thank you, thank you, thank you from the bottom of what's left of my heart for making me feel safe, secure, blessed, and wealthy. Because of your concern...I no longer can drink Coca Cola because it can remove toilet stains. I no longer drink anything out of a can because I will get sick from the rat feces and urine. I no longer use Saran wrap in the microwave because it causes cancer. I no longer check the coin return on pay phones because I could be pricked with a needle infected with AIDS. I no longer use cancer-causing deodorants even though I smell like a water buffalo on a hot day I no longer use margarine because it's one molecule away from being plastic. I no longer go to shopping malls because someone will drug me with a perfume sample and rob me. I no longer receive packages from UPS or FedEx since they are actually Al Qaeda in disguise. I no longer answer the phone because someone will ask me to dial a stupid number for which I will get the phone bill from hell with calls to Jamaica, Uganda, Singapore, and Uzbekistan. I no longer eat KFC because their chickens are actually horrible mutant freaks with no eyes or feathers. I no longer date the opposite sex because they will take my kidneys and leave me taking a nap in a bathtub full of ice. I no longer buy expensive cookies from Neiman Marcus since I now have their recipe. I no longer worry about my soul because I have 363,214 angels looking out for me and St. Theresa's novena has granted my every wish. Thanks to you, I have learned that God only answers my prayers if I forward an email to seven of my friends and make a wish within five minutes. (Geez, the BIBLE did not mention it works that way!) I no longer have any savings because I gave it to a sick girl who is about to die in the hospital (for the 1,387,258th time). I no longer have any mone! y at all, but that will change once I receive the $15,000 that Microsoft and AOL are sending me for participating in their special e-mail forwarding tracking program. Yes, I want to thank all of you s much for looking out for me! I will now return the favor. If you don't send this e-mail to at least 1200 people in the next 60 seconds, a large bird with diarrhea will crap on your head at 5:00 PM this afternoon and the fleas of a thousand camels will infest your armpits. I know this will occur because it actually happened to a friend of a friend of a friend of a friend of a friend of a friend of a friend of my next door neighbor's ex-mother-in-law's 8th husband's 2nd cousin's 3rd husband's ex-wife's mother's hair dresser! Send instant messages to your online friends http://uk.messenger.yahoo.com ---End Message---
[4c-math94] http://www.cultureunplugged.com/play/1081/Chicken-a-la-Carte
http://www.cultureunplugged.com/play/1081/Chicken-a-la-Carte Cleaner, Better, Faster - Yahoo! Mail: Now without ads. Experience it at http://ph.mail.yahoo.com today!
[4c-math94] FW: Evil Maid Caught on Camera [1 Attachment]
--- On Thu, 6/4/09, Daniel L. Ramos, Jr. danra...@eperformax.com wrote: From: Daniel L. Ramos, Jr. danra...@eperformax.com Subject: FW: Evil Maid Caught on Camera To: junramos2...@yahoo.com Date: Thursday, 4 June, 2009, 11:32 AM From: Bernard Lacson [mailto:blac...@eperformax.com] Sent: Thursday, June 04, 2009 11:30 AM To: Daniel Ramos; Marjohn Anero; mtaga...@eperformax.com; Rommel J. Mariano; Sheryll Manansala; Ronnie Gervacio; Jeffrey Oblego; Alma Melchor Robledo; pluc...@eperformax.com Subject: Evil Maid Caught on Camera Evil Maid Caught on Camera This communication is the property of ePerformax and may contain confidential information. Unauthorized use of this communication is prohibited. If you have received this communication in error, please immediately notify the sender by reply e-mail and destroy all copies of the communication. The sender does not accept liability for any errors or viruses in this message. Any opinions contained in this message are those of the author and are not endorsed by or binding upon ePerformax unless otherwise clearly indicated and verified. Cleaner, Better, Faster - Yahoo! Mail: Now without ads. Experience it at http://ph.mail.yahoo.com today!
[4c-math94] FW: Using masks may hike chances of swine flu infection
Using masks may hike chances of swine flu infection 06/15/2009 | 05:47 PM Email this | Email the Editor | Print | ShareThis MANILA, Philippines - Donning face masks to avoid the influenza A(H1N1) virus may even make people more susceptible to contracting the disease, medical experts said. A face mask could even be the breeding ground for a virus if a user is careless, Mediadora Saniel, a director of Medical City and the hospital's consultant for Infectious Diseases, said on Monday. “Once someone coughs or sneezes and the infected droplets stick into the face mask, they will remain there. Once the user touches them and puts their hand on their mouth or their eyes, there is a higher possibility that they will be infected by the disease, said Saniel. Only medical workers should be using face masks because they know better how to properly handle and dispose of them, she added. Instead of donning face masks and undertaking any other special measures to avoid the influenza A(H1N1) virus, most people only need to exercise “common sense, Dr. Alfredo Bengzon, chief executive officer and president of The Medical City, said. “Common sense such as washing of hands, educating and informing the population are key to preventing the spread of the disease, he added. Both Bengzon and Saniel said the Department of Health is doing a good job in managing the disease. Bengzon was a former health secretary. Of the nearly 200 cases of the disease in the Philippines , Medical City has handled 25 cases of the patients. Most of them have recovered from the “mild infection. Since the DOH has come out with a directive to hospitals, telling them to send home patients who exhibit mild infection, Medical City instructed around 12 to 13 patients to treat their disease at home. “We prescribe medicines for them and we call them up everyday to check on their condition, said Saniel. To be admitted into the hospital for the H1N1 flu, Saniel said a patient must be at least 60 years old and has a pre-exisiting condition of heart disease, diabetes, or cancer and compromised immune system such as those infected by the HIV virus. Despite authorities’ assurances about the disease’s minimal severity, nobody knows for sure if the H1N1 would mutate into a more deadly strain as was the case in 1918 when swine flu was first reported, Saniel and Bengzon said. “There was a higher number of deaths in the second wave of the swine flu. That is why health authorities are closely monitoring the situation in Australia and Chile , countries which are in the globe's southern hemisphere. These countries are already in their winter season, and they want to find out how the virus will react to the cold temperature and if they will mutate to another strain or virus, Saniel added. - Cheryl M. Arcibal, GMANews.TV This communication is the property of ePerformax and may contain confidential information. Unauthorized use of this communication is prohibited. If you have received this communication in error, please immediately notify the sender by reply e-mail and destroy all copies of the communication. The sender does not accept liability for any errors or viruses in this message. Any opinions contained in this message are those of the author and are not endorsed by or binding upon ePerformax unless otherwise clearly indicated and verified. Fast, Ad-free, Unlimited Storage - Yahoo! Mail allows you to have it all at http://ph.mail.yahoo.com
[4c-math94] Make sure doors are locked when in cab
By DJ Yap Philippine Daily Inquirer First Posted 21:42:00 06/30/2009 MANILA, Philippines – The next time you’re in a taxi passing through Edsa be sure that all the doors of the vehicle are locked, especially if you’re caught in slow-moving traffic. The Mandaluyong police issued this warning to the public Tuesday in response to a criminal syndicate using young boys to rob cab drivers and their passengers. Senior Superintendent Carlos de Sagun, Mandaluyong police chief, said the modus operandi usually involved a pair of youngsters with one distracting the driver by knocking on his side of the vehicle while his cohort opened the door on the passenger side. “Since the driver is distracted, the other can filch his earnings [on the dashboard] from the other side,” De Sagun said. The official added that since the thieves were minors, they often would get away with the crime and would just be sent to the Department of Social Welfare and Development. In May, operatives of the Mandaluyong police’s Special Operations Group arrested two minors – a 13-year-old girl and a 14-year-old boy – for allegedly staging a “bukas kotse [open car]” heist on Edsa. The operation was conducted in response to a complaint filed by Jesus Palmos, a resident of Makati City, who wrote the police regarding the modus operandi. The minors later told investigators they were working for two men who were arrested in follow-up operations from May 21 to May 22 on Edsa, De Sagun said. They were identified as Rodolfo Repollo Jr., 21, and Jerry Cordero, 22, both suspected members of a criminal gang. They were later released after posting bail on theft charges, the police said Open emails faster.. Yahoo! recommends that you upgrade your browser to the new Internet Explorer 8 optimized for Yahoo! Get it here! http://downloads.yahoo.com/sg/internetexplorer/
[4c-math94] Password
During a recent password audit at one company, it was found that a blonde receptionist was using the following password: MickeyMinniePlutoHueyLouieDeweyDonaldGoofySacramento When asked why she had such a long password, she said she was told that it had to be at least 8 characters long and include at least one capital. Surf faster. Internet Explorer 8 optmized for Yahoo! auto launches 2 of your favorite pages everytime you open your browser. Get IE8 here! http://downloads.yahoo.com/sg/internetexplorer/
[4c-math94] Math
Absolutely Amazing! 1 x 8 + 1 = 9 12 x 8 + 2 = 98 123 x 8 + 3 = 987 1234 x 8 + 4 = 9876 12345 x 8 + 5 = 98765 123456 x 8 + 6 = 987654 1234567 x 8 + 7 = 9876543 12345678 x 8 + 8 = 98765432 123456789 x 8 + 9 = 987654321 1 x 9 + 2 = 11 12 x 9 + 3 = 111 123 x 9 + 4 = 1234 x 9 + 5 = 1 12345 x 9 + 6 = 11 123456 x 9 + 7 = 111 1234567 x 9 + 8 = 12345678 x 9 + 9 = 1 123456789 x 9 +10= 11 9 x 9 + 7 = 88 98 x 9 + 6 = 888 987 x 9 + 5 = 9876 x 9 + 4 = 8 98765 x 9 + 3 = 88 987654 x 9 + 2 = 888 9876543 x 9 + 1 = 98765432 x 9 + 0 = 8 Brilliant, isn't it? And look at this symmetry: 1 x 1 = 1 11 x 11 = 121 111 x 111 = 12321 x = 1234321 1 x 1 = 123454321 11 x 11 = 12345654321 111 x 111 = 1234567654321 x = 123456787654321 1 x 1 = 12345678987654321 Now, take a look at this... 101% From a strictly mathematical viewpoint: What Equals 100%? What does it mean to give MORE than 100%? Ever wonder about those people who say they are giving more than 100%? We have all been in situations where someone wants you to GIVE OVER 100%. How about ACHIEVING 101%? What equals 100% in life? Here's a little mathematical formula that might help answer these Questions: If: A B C D E F G H I J K L M N O P Q R S T U V W X Y Z Is represented as: 1 2 3 4 5 6 7 8 9 10 11 12 1 3 14 15 16 17 18 19 20 21 22 23 24 25 26. If: H-A-R-D-W-O-R- K 8+1+18+4+23+15+18+11 = 98% And: K-N-O-W-L-E-D-G-E 11+14+15+23+12+5+4+7+5 = 96% But: A-T-T-I-T-U-D-E 1+20+20+9+20+21+4+5 = 100% THEN, look how far the love of God will take you: L-O-V-E-O-F-G-O-D 12+15+22+5+15+6+7+15+4 = 101% Therefore, one can conclude with mathematical certainty that: While Hard Work and Knowledge will get you close, and Attitude Will get you there, It's the Love of God that will put you over the Top! It's up to you if you share this with your friends loved ones Just the way I did.. Have a nice day God bless!!!
[4c-math94] (unknown)
http://America0fv9369.redirectme.net?Harmonie-Carstarphen
[4c-math94] FW: Scam emails making the rounds saying your Google acct info is incomplete...
New Gmail Phishing Campaign Attempts To Steal Login Credentials Security researchers from Sunbelt warn of a new wave of spam emails, which masquerades as official communications from Google in an attempt to steal login credentials from Gmail users. The fake emails are well formulated and display visual elements associated with Web search giant, such as the Google accounts logo or the copyright notice. The messages purport to originate from the Google Team and read as follows: “Hello, Your Google account information is incomplete, We recommend that you update your Google account for security reasons. Download and open the attachment in this mail and follow the direction to update your Google account.” The attached file is an HTML document called Gmail_access.html. Opening it in any browser will display a fake page almost identical to the one used to sign into Gmail. In fact the images and other elements present on the rogue page are actually loaded from Google’s real website. “If you check the attachment source code you can see that it sucks genuine Gmail page elements,” Tom Kelchner, writes on the Sunbelt blog. The fake sign in form sends inputted data to a ServiceLoginAuth.php script hosted on an external domain, which stores it for the attackers. “The information entered on the bogus page is snatched by a site registered to someone in Sremska Kamenica , Serbia ,” Kelchner explains. However, this seems to be a legit website that has been compromised, as it runs an outdated and probably vulnerable version of the e107 content management system. This campaign appears to have started sometime at the beginning of this month as there are reports about it on the official Gmail help forum dating back to September 1. Fortunately, there’s a simple way for users to always check if they are on the real Gmail login page or not, since the website comes with SSL enabled by default.
