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These are the Secrets Your Bank Will Not Tell You

There are certain things you really need to know when banking which your bank will not tell you. These are some of those things.
File photo: Banking Hall
Banks often don’t tell customers what they should know. This is why the customers must research to know his or her rights. Here are some secrets you should know, according to www.advicesavings.com:
Know the protection or insurance on your payment card
If you’re using your ATM card for debit transactions, ask your bank what kind of protection it offers if the card is stolen or lost. Thousands of naira could be pulled from your current account and, in many cases, you won’t be nearly as protected as you will be with a stolen credit card.
Beware of the universal default clause
Before you sign up for a bank-issued credit card, ask if it has a “universal default clause” also known as “the ultimate poison clause in credit cards.” If it does, run for the nearest exit. It allows the bank to look through all your credit accounts, and if it sees that you’re late paying a bill on another card, it gets to raise the interest rate on its card.
Not everyone is allowed to do a teller’s job
Yes, we know the line is long and only one teller window is open, but no, the guy in the cubicle can’t come over to help out.
Call or visit in person to resolve a problem
Filling out online forms will usually get you the by-the-book reply, but a representative will often forgive a fee over the phone so we can all just get on with our lives.
A bank has the right to pay itself back
Any fees or overdraft loans that you owe can be deducted from your next deposit. You probably don’t need to pay fees.
You can get practically any fee waived if you ask, especially if you’re a long-time customer.
Tellers routinely press you into opening new accounts.
Their jobs depend on it. Banks hire “mystery” customers who secretly test whether a teller is cross-selling services.
If the cheque bounces, you’re liable.
Postdating a cheque rarely works. With stacks of deposits to process, we look at account names, not dates.
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-Via The Punch

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“Couples who sleep naked have a happier relationship” – Survey

A new survey has revealed that couples who sleep naked have a happier relationship.

The study from Cotton USA asked couples what they slept in at bedtime and then asked them to rate how happy they were in their relationship.

According to the results, 57 percent of those who slept in the nude said they felt happy, compared to 48 percent of pyjamas wearers, 43 percent of nightie wearers and a mere 38 percent of people who wore pants, bum shorts, etc.

Stephanie Thiers-Ratcliffe of Cotton USA said that one of the leading factors for this was that the nakedness encouraged intimacy and openness, thanks to the skin-on-skin contact and the feeling of soft bedding.

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Guys! Ths is what happens to the pen*s as you get older, according to science

Our bodies change with age, but how about the most private parts? What happens to Pen.!s when it ages? Let’s get some clear answers.

So, guys, what can you expect to happen to your Pen.!s when you grow older? These clues will prepare you for the inevitable changes.

How Pen.!s changes with age?

Length

When most men are born, their Pen.!ses reach only 4 cm in length! The average size ranges between 16 and 23 cm. Does it decrease in size, when you grow old? Not exactly, but things change. For instance, if you gain much weight, your Pen.!s looks shorter. The fat is located in the lower part of your belly and covers up part of the Pen.!s shaft. However, in your 60s or 70s the Pen.!s can actually a bit shrink in size by some 2-3 cm.

Testicle size

After 40 they decrease by 1 third of their size. Healthy younger men have them around 3 cm in size, while the older guys may have only 2 cm size balls.

Working condition

The performance changes, too. When you turn 40, your S3@.x:’ual activity and the amount of male hormones in the body decreases. In the youth a healthy man may have S3@.x:’ several times a day, in the later age erectile dysfunction may change things for worse. The muscles weaken and the vessels get clogged. It also contributes to weaker erection. So, having S3@.x:’ few times a week is great, when you age.

man

Enjoyment

It greatly depends on the sensitivity of your male organ. Unfortunately with age it decreases a bit, but it’s good for those guys, who come too fast. Now they have more chances to gain control and boost the duration of their performance in bed.

Looks

You start losing your head hair with the age, but that’s not it. Men also lose their pubic hair and their Pen.!ses change the color a bit.

Time spares no one, so enjoy your S3@.x:’ life in the  young age, but do not worry, over 80 percent of men maintain their male organs in great working condition even being seniors.

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Guys beware! It is dangerous to have s*x in these 4 situations

Is S3@.x:’ always good? There are times when you should stay away from it, and every man should know the reasons not to get busy! This list may surprise you.

List of 4 reasons why not to have S3@.x:’:

Besides the obvious thing – not being the husband of the lady you plan to enjoy, there are other reasons to keep away from intimacy. Here they are.

1. At your bachelor’s party

party

You are a groom and your friends bring in some girls to have fun at your last bachelor’s night out. It’s the worst possible idea to get busy with a stripper or some strange girl. You have picked that woman to be your wife for a reason. Keep it in mind, when other ladies offer fun to you. You do not want to start your married life with cheating. What you sow, you will reap!

2. Alcohol

alcohol

Either you or she or both of you are drunk. How much is too much? 3 to 5 drinks can make you less wise in your decisions and less cautious. Consuming alcohol, you become more open for risky things, such as unprotected S3@.x:’. And you put yourself and the other person in danger of getting SDTs (HIV and other love bugs) or impregnating the woman.

Such a situation is highly undesirable. So, if you drink too much, make a rule to abstain from S3@.x:’ with a new girlfriend.

3. At her parents’ house

house

That’s not the best location for the love games. They may return home unexpectedly. Or if they are home, they may enter her room any time and catch you at it. It’s a very embarrassing situation.

4. When you wish to marry her

marry

She is a V!rg!n, and you have made up your mind to marry her. But you want her so and think: what if we do it now? Why wait for the wedding night? Stop! You are going to ruin it all. Waiting does not kill anyone. Just set the date and you won’t regret it. As waiting double the pleasure on the first night!

These reasons should stop you and make you think. S3@.x:’ is not always a good idea, and it can be dangerous and has the power to ruin your life when done at the wrong time and with the wrong person.

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