Education Insurance : Protective & Investment

illustration from cutcaster.com

Unexpected events can occur anytime, that's why we need insurance. There are some types of insurance, which one you need is life insurance, car or education? We could have all three at once because it has become the family's needs. Well, this time we will try to highlight the insurance education.

Suppose you are a young couple with a child and have income from a working job. If you could only save money, how much money should you set aside each month?

Characteristics of Education Insurance has is the investment decision can be customized with your child's school schedule and provide a protective function. This means the availability of children's education funds remain secure despite the risk of death to happen to you .

Education insurance ussually offers two utility (dual purpose), which is a function of protection and investment. Protection function will run the risk of death upon you by promising certain amount of money if you run into unforeseen occurrence. Provided the sum insured is usually adjusted with the cost of your child's education and have been agreed in the policy.

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Insurance education will manage and invest some of the premium you pay. Instead of managing your money, the insurance company will provide some funds which amount has been agreed in the policy. Payment timetable tailored to your child's school time.

So for those who are low income, you do not need to force yourself to have an education fund as soon as possible and reserve funds. Try to make reasonable arrangements money. When income increases, then you can repeat the calculation and start looking for the right educational insurance.

Tips Using Credit Card While Traveling Aboard

Using credit cards while traveling abroad indeed can handle variety of transactions easier and efficient. But, be wise to determine which credit card need to use.

Here are some things you need to consider when using credit cards abroad:

Transaction Costs
Do not be surprised if you are charged a foreign transaction, or also known as a currency conversion fee, on all purchases using credit cards in foreign countries. Sometimes, the cost is also charged to you even though you was at home and make purchases from foreign companies.

To save money, check out how a foreign transaction fee of each credit card. Choose a card with the lowest transaction fee.

Credit card vs debit card
Some travel experts suggest credit card for purchases abroad, because it's easier to dispute any suspicious charge than if using a debit card.

With the disputed credit card charges, you do not have to pay the bills until the problem is solved. While using a debit card, direct funds withdrawn from your account immediately. The travelers are advised to use a credit card for major purchases and use a debit card for cash.

Travel Allowances
Many credit cards offer a variety of travel benefits, such as auto rental insurance, air travel insurance, and discounts on everything from hotels to the various attractions. Check the travel benefits of each card and use your credit card that gives the best rewards.

The exchange rate of credit
Credit cards also offer better currency exchange rates, than you can get at money changer booths or banks.
and last, Have a great traveling :)

The Elder Scrolls V: Skyrim. Check it out

Best RPG I played by the end of 2011, click on the picture to see the details.

The Elder Scrolls V: Skyrim is a single-player role-playing video game developed by Bethesda Game Studios. It is the fifth installment in The Elder Scrolls action/adventure RPG fantasy video game series. The game was released on November 11, 2011. It features Radiant A.I, along with Radiant Storytelling or Radiant Story, to help enhance quests, and a new and improved graphics engine
The High King of Skyrim has been assassinated, and the threat of civil war looms over the land of Skyrim; One side wishes to secede from the crumbling Empire, while the other wishes to remain a part of it, believing that it is still worth fighting for. To make matters worse, this schism is the final event in a prophecy foretold by the Elder Scrolls that will lead to the return of the dragons under Alduin, the Nordic god of destruction.

The player begins the game imprisoned, being led to their execution as a result of crossing the border into Skyrim. As the player lays their head on the chopping block, a dragon called Alduin attacks. In the midst of the chaos,several Stormcloaks, along with their leader and fellow prisoner, Ulfric Stormcloak, assist in the player's escape. The player may choose between the assistance of Ralof, the Stormcloak who arrived with Ulfric, or of Hadvar, the Imperial soldier responsible for reading off the names of the prisoners being sent to their execution. The player later learns that he/she is a Dovahkiin, a Dragonborn charged with the duty of defeating Alduin and the dragons. Eventually, the player meets Esbern, one of the last remaining Blades.

Check it out :]

Katy Perry - Teenage Dream - Last Friday Night

Teenage Dream is the third studio album by American recording artist Katy Perry. It was released on August 24, 2010, through Capitol Records. The album's inspiration came from dance, pop, rock by 1980s artists, ABBA, Ace of Base and The Cardigans. Perry worked with several writers and producers on the album, including Greg Wells, Dr. Luke, Max Martin, Ryan Tedder, Greg Kurstin, Benny Blanco, Ester Dean, The-Dream, and Christopher "Tricky" Stewart, among others. The album featured guest vocalist, Snoop Dogg, Kayne West, Missy Elliot and B.o.B.. The album is prominent pop music that utilizes dance, electropop, and rock influences, while also incorporating a broader range of genres not seen on her previous albums such as hip hop, electronic, teen pop, electro rock, and eurodisco. The album's lyrical content is centered around teenage anthems of love, image, empowerment, and partying.

One of her best :

Last Friday Night (T.G.I.F.)

There's a stranger in my bed,
There's a pounding in my head
Glitter all over the room
Pink flamingos in the pool
I smell like a minibar
DJ's passed out in the yard
Barbie's on the barbeque
This a hickie or a bruise

Pictures of last night
Ended up online
I'm screwed
Oh well
It's a blacked out blur
But I'm pretty sure it ruled
Damn

Last Friday night
Yeah, we danced on tabletops
And we took too many shots
Think we kissed but I forgot

Last Friday night
Yeah, we maxed our credit cards
And got kicked out of the bar
So we hit the boulevard

Last Friday night
We went streaking in the park
Skinny dipping in the dark
Then had a ménage à trois
Last Friday night
Yeah I think we broke the law
Always say we're gonna stop
Op-oh-oh

This Friday night
Do it all again
This Friday night
Do it all again

Trying to connect the dots
Don't know what to tell my boss
Think the city towed my car
Chandeliers on the floor
Ripped my favorite party dress
Warrant's out for my arrest
Think I need a ginger ale
That was such an epic fail

Pictures of last night
Ended up online
I'm screwed
Oh well
It's a blacked out blur
But I'm pretty sure it ruled
Damn

Last Friday night
Yeah, we danced on table tops
And we took too many shots
Think we kissed but I forgot

Last Friday night
Yeah, we maxed our credit cards
And got kicked out of the bar
So we hit the boulevard

Last Friday night
We went streaking in the park
Skinny dipping in the dark
Then had a ménage à trois

Last Friday night
Yeah I think we broke the law
Always say we're gonna stop
Oh whoa oh

This Friday night
Do it all again
(Do it all again)
This Friday night
Do it all again
(Do it all again)
This Friday night

T.G.I.F.
T.G.I.F.
T.G.I.F.
T.G.I.F.
T.G.I.F.
T.G.I.F.

Last Friday night
Yeah, we danced on table tops
And we took too many shots
Think we kissed but I forgot

Last Friday night
Yeah, we maxed our credit cards
And got kicked out of the bar
So we hit the boulevard

Last Friday night
We went streaking in the park
Skinny dipping in the dark
Then had a ménage à trois

Last Friday night
Yeah I think we broke the law
Always say we're gonna stop
Oh-whoa-oh
This Friday night
Do it all again

[Clapping] Whohoo!

omg, menage a trois ? :)

Cheap Canon EF 100mm f/2.8 Macro USM Lens for Canon SLR Cameras

G' day!! I found Canon EF 100mm f/2.8 Macro USM Lens for Canon SLR Cameras
with a great price on Amazon.

• 100mm macro USM lens with f/2.8 maximum aperture for Canon SLR cameras
• Secondary diaphragm blocks stray light at f/2.8 for increased contrast
• Ultra-sonic monitor provides outstanding autofocusing speed at all distances
• 3-group floating system for exceptional close-up performance; full-time manual focus
• Measures 3.1 inches in diameter and 4.7 inches long; weighs 21.1 ounces; 1-year warranty

Bring small things into full-sized view with the Canon EF 100mm macro USM lens. Macro lenses can uncover detail that would be impossible to detect by the eye and give new perspective to extremely minute subjects such as insects or the petals of a small flower, and this lens is no exception. The lens offers such features as a three-group floating system for exceptional close-up performance; a secondary diaphragm that blocks stray light at f/2.8, which increases contrast when shooting wide open; a ultra-sonic monitor (USM) that provides outstanding autofocusing speed at all focusing distances; a wide manual focusing ring with smooth action; and full-time manual focus even in AF mode. The first lens in its class to feature inner focusing, the lens carries a one-year warranty.

So, check this one out friend :)