As the City Health issues Dengue alert Get P10K Dengue Insurance for only P300 at The SM Store

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The City Health Office (CHO) recently reminded the public about the possible increase in Dengue cases during the present wet season. And just in case, it is better to be practical and insured. For only P300, you could already secure a lump sum cash of P10,000 if you get diagnosed with Dengue, either outpatient or hospitalized. This MediCash Dengue Insurance by Pioneer is available at the SM Store Customer Service, valid after 15 days of waiting period up to one (1) year. Once insured, you still get P10,000 on top of your HMO and PhilHealth benefits to take care of other expenses. Receipts or hospital bills are not required. Regular price of MediCash Dengue Insurance is P350 for customers without SM Advantage Card (SMAC) and P320 for SMAC holders. You can get this for P300 if you buy more than one policy, for you and for at least one of your loved ones with ages 14 days old up to 70 years old. For inquiries, you may contact Pioneer at (02) 7750 5433  or email retail@pioneer.co

Self-Employed Equity Loans: An Introduction

Are you self-employed and wish to apply for an equity loan? Then you'll go through a process that's a little different to what most borrowers go through.

Lending institutions usually require that the you provide at least three "proof-of-income" receipts. Hence, self-employed individuals seeking would be pleased to know that there are many online brokers who offer many different types of loans including self-employed loans that don't require you to provide proof of income.

Most of the lenders require those who are employed to provide written proof of employment, which includes tax returns as well as check stubs.

The general rule is that self-employed borrowers must have worked for two or more years to qualify for a loan. Some home equity lenders contact the employer to confirm if you're working, but this is not possible if you're self-employed.

Instead you may be asked to provide audited accounts or a letter form your accountant as proof that you have been conducting a business.

There are many lenders who make it convenient for self-employed individuals to acquire a home equity loan, given that that there are so many self-employed people around.

Among the incentives offered are competitive rates to help you get ahead of the game. Here is some good advice. If you're a small business owner and you wish to apply for a home equity loan for self-employed loan, provide all the details to the agent where you hope to get a loan.

The lender will look at your details and scan the market for loans that cater to the self-employed. Very few lenders will offer the self-employed personal loans that relate to mortgage loans.

Loans available to the self-employed are usually limited $5000 cash. However, having looked at your details the lender may feel that you business has potential warranting special consideration. Hence, the lender may help you find a way to increase your income.


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