Epol Waterfalls,Marilog District,Davao City,Philippines

The Northern part of  Davao city specifically in Marilog  District  has many  astonishing tourist spots that will definitely comfort  your  aching feeling. One of the best place to go is the  Epol Waterfalls. The place is also very good for reflecting  and soul-searching or you just want   to have a moment on your own.

It will take you about 2-3 hours ride from downtown city but all your efforts will be worth it when you see the  amazing crystal clear waters(I’m not exaggerating lol),and the good thing is,the place is not that  commercialized and  crowded. .You can see it yourself  if you want!

Best Tourist Spots in Mindanao

Pearl Farm Front View "Right Side"
-Taken at The Parola, this is the "right" side view of Pearl Farm Beach Resort

Pearl Farm Front View "Left Side"

Taken at The Parola, this is the "left" side view of Pearl Farm Beach Resort

Somewhere in Glan, Saranggani ---Taken a day after Saranggani Bay Fest 2010 :)

One of Lake Sebu's 7 Waterfalls---There are 7 waterfalls found in Lake Sebu but managed to see 3 falls only.

Thanks to Miss Agnes for letting me post her pictures.hehehehe peace.
Please take more pictures so that I will have more posts  in my(our) travel blog hehhe.

I was speechless when I saw this video

This video really disturbs me.I like  the presentation .It also made me realized on the importance of  having  auto insurance and life insurance as well. Driving your vehicle or a car  needs a responsibility.

I was speechless when I saw  this video .Heart breaking.

 Please Drive  responsible and carefully   because  many people hight get hurt if you  don't drive do.happy driving guys.

Undergoing MyBlogLog Verification

Good drivers Just drive

Drive carefully guys  for your protection .You should get life auto insurance as well.
Just drive and do not do anything that will distract your concentration .Take  care.

Getting a Life Insurance Quote

“You are offering me a life insurance quote , Please get out!?”-This is a common reply when “pessimists” and “narrow-minded people” are asked about getting a life insurance.” There are many misconceptions about having a life insurance, and mostly quite not logical.

When a life insurance quote agent comes to your home for an offer, most people would agree” they really can’t take the conversation’’. It’s a taboo, I think they consider. Of course, the combination of passing away and business seems a little bit odd, especially, in happy -go- lucky lifestyle.
In short, having a life insurance plan is perceived not a good investment .I think they are wrong.
Despite those mentioned circumstances, for some “logical and practical minded people” getting a life insurance is a good venture. Planning your bills before you leave this world is more efficient and convenient for your family . It may sound crazy or weird but it’s like opening a bank account, but it is not for you to use . It is intended for your loved ones.
I can’t find any good reason to give a “No answer “in securing your life, and the life of your loved ones. Getting a life insurance quote is a must-have plans especially those in a risky job like being a policeman or a soldier.
There are actually many benefits in having a life insurance plan such as:
*Life insurance is protected by law and clients’ are considered high priority.
*Some life insurance benefits can be availed even you are still alive. It is in the form of accident and illness insurance coverage.
*Gives access on financial support in case of dismemberment, esp. when it is head of the family.
*Due to global financial crisis, some life insurance plans gives special promos like discounts on college educational plan.
*And that’s not all, some life insurance companies gives advanced loans to client for capital if you want to start a business.

Those are some of the many reasons why getting a life insurance plan is a good investment. Securing your life was never a bad venture. It just needs a little appreciation , realization and practical analysis about the life of your loved ones after you leave this wonderful world. And for the final note; please consider this: everybody will have to leave this world, whether we like it or not. We need life insurance quote, now.

Ref: life insurance quote

Understanding Auto loans and life insurance

We always heard the word Auto loans and life insurance in several advertisement in the internet and many print ads. But how much do you know about these two things. They are correlated and always come co-existent. When you extend to close on your auto loan one of the facultative products your loan officer may tender to you is credit insurance policy. There are essentially two credit insurance products that are offered nowadays. Below is a free description of what they are and what they cover.

Credit Life- This product is fundamentally life insurance that covers whatever the important loan balance is in the event of your premature death. Premiums for this type of insurance vary depending on the size of the loan. The borrower is permitted to name a beneficiary at the time of signing the paperwork. If for some reason during the loan duration you were to pass away that loan would be paid off in full and the beneficiary would receive a free and clear title to the vehicle. Because there are very a couple of confinements to qualify for this insurance the premiums can be very costly and are normally added on to your loan amount. If you elect to purchase this coverage your payment will gain and be more than if you elected not to buy it.


Credit Disability Insurance- This product is fundamentally disability insurance that covers the amount of your auto loan payment if you were to become sick or injured and unable to work. Again premiums on this type of insurance change reckoning on the size of the loan and the elimination period before it go. Nearly all of these policies have a 7 day or 14 day elimination period In the event that you become sick or injured and can't work the payments will be made to the lender on your behalf until you go back to work or the loan is paid off whichever comes first. You do not have to be hospitalized but under doctors care and there may be paperwork that your doctor will have to fill out to become worthy. These premiums can be expensive and are unremarkably added to your loan amount which will increment you monthly payments.

 It is essential to observe that these insurance policy products are completely optional and not a requirement to get accredited for a loan. Borrowers should evaluate their own fiscal situation to find if either of these insurance products are a benefit to them before they purchase a plan or a life quote.