Endowment Plus ULIP from LIC.. why to take it?

three benifit a ulip plan offers:
1 risk cover(lower risk cover)
2 tax saving( )
3 return on investment (between 6 to 12 percent)

What about this….
1 Risk cover: if i buy term insurance from lic (higher risk cover)
2 Tax saving: if i invest in PPF(tax saving and return also)
3 ROI : if i would invest in equity directly or in MF(huge return with risk)

Now can anyone tell me what is the better option to invest money? and why??

or tell me in detail about pros and cons of both the options..
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Is there any better and secure alternative to Paypal?

I’ve been using paypal for quite sometime now and I am not happy with their service. First, their exchange rate is always lower than the actual rate; I somehow put up with that crap. And now they have stopped personal transactions to and from India. That stinks! This time they have really got on my nerves. Moreover I happened to read more of paypal scam stories and I so don’t want to use their service anymore. So if any of you know a better and safer alternative to paypal, please let me know asap.