Day 311

Day 311

1. Don't try to evangelise people or even friends who don't have the slight sense of responsibility

That is what my trainer told me.

Some people don't care about protection. But still, I'll try, for you never know that try, I can just get involve in their life to protect and care through my job.

I find this really true especially among my french friends. They don't care and they don't feel obligated in being responsible towards their family. This is true know. Arnld and I often debate over this insurance thingy. There are really people who doesn't believe in life protection at all. The thing Arnld told me, his parents are rich enough they don't need him. He just live for himself. If there will be anything wrong with him, he can just sell off his company. For Arnld, I know it is perfectly fine when you chair a listed company Aligent Technology. If you have no dependents, father and mother are snobbishly rich and you have like 5-10 million assets and hard cold cash sitting in your bank I said you are perfectly fine, yeh you dont need any insurance. But how many Arnld material people do we have around us? Those "er-xin dao" rich people don't need insurance, they need wealth preservation which I am doing for them in my high net worth department. Doing will, setting up trust funds blahhh blahhh thingy. Or do some good for the society like what Mr Jet Li is doing in his Jet Li foundation.

Seriously when I told God, give me the blessings in appointments, I met alot of people who don't care a damn about insurance. They do not even care/ but some they just didn't see a point at this time which I really do not blame them. They just need someone to open up their mind, not to convince BUT to make them see the light in it. As I said, professionalism doesn't makes you a high class durian seller. Don't give products, give advice in life.

I have realised it, anything which is easy, they not from God. God will not ask you to teach an adult ABC or 1 + 1 = 2, all these doesn't glorify him at all. God wants me to meet the tough nuts that is when true professionalism comes in. Anyway, don't make really that tough for me as well too ok Father. Build me step by step because sometimes, I really cannot handle them. Then I will call help * JESUS!!!!! I NEED HELP!!!!! Talk on my behalf to those super difficult clients.

2. Let me ask you a question. Is there anything where you can put $1 but gives an guaranty assurance of $100 in return?

If you want to tell me it is investments, may it  be in stocks, bonds or shares. The answer is NO. Why? Investments have risk. There is nothing guaranteed in investment. Wake up your idea if you think that way.

There are only 2 options when "accident" happens, not necessary like you will die prematurely or something. Take an example: You like got bitten by a stupid dengue mosquito, you are admitted into the hospital for like 7 days. ** Medisave cannot pay all medical bills ok, don't naively thinks they pay everything. ** Up to $250/day only. Medical bills will include doctors roundings, medications, x-rays, boardroom what ever and ever ever scans.

I believe for those who encountered super heavy hospitalisation *wowssss from bills of their grandparents who are ill due to old age understands what I mean. I am sure, you wish that your grandparents had insurance policies that covers their heavy hospitalisation bills.

The problem is, you can only get 1 when you are young and not when you are old and unabled.

My options for the above are :

1)You pay out of your savings

2) You pay $0.85 per day and when " accident"  knocks unexpectedly out to eat off your savings, you push the bills to your insurance company, Nah. .  you pay!

Hospital bills can really be crazy in many times.

BUT / And don't naively thinks that your life insurance policy or whatsoever investment policies covers that cost. THEY DONT!

An example, your motor car insurance dont cover your house. Exactly right. But if you drives your car and ramped it directly into your house making all the damages, ok that covers.

Like this

Ok, so now go and think about what policies do you have. Shooo . . . . . Get to the right policy and know what does it covers ok people! If you need my help in that, buy me a meal and I will assess it for you. I am kidding in fact, because when you read this blog of mine, you are confirm someone close to me. If not you wouldn't have my blogsite address.

But if you know me and I do not know you, you have to buy me a meal. Trust my professionalism & I am not a durian seller.

This sounds really silly but that is the truth. Many people have pain in their knees, but they x-ray their arms. Wrong problem diagnose gives wrong prescriptions.

I don't know why, but in many people which I've helped eventually turned out to be like that before I enlighten them with a proper financial check.

Hereby I have a question to ask everyone of you reading. Why is financial planning a taboo to touch in you?

In reality, everyone fall sick, may it be slight or major, somehow or what, things do happen and they are not within our control. If I've have a choice, do you think I want to get myself admitted to the hospital last year? * Mad, of course I wouldn't, but the doctor won't allow me to get discharge or even walk down of bed. I cannot shower nor can I move around. Blood being draw into so many many tubes, you think its fun? it is not loh.

Now am I right to say that, we cannot plan when we will fall sick. But when we do, we make sure the medical bills don't eats into our savings.

What was my medical bills round up to be like?

SGD$6,000/- who pays? Aviva. How much I paid for my premium? SGD144/year from medisave and SGD240 cash/year. How much am I reimbursed? SGD$6,000/- The point is, I rather be $0.65 poorer per day than $6,000 poorer when I am warded. FULLSTOP. 

If you have graduated from kindergarten you know how to count.

Don't be penny wise and dollar foolish.

** I am certainly not trying to tell you that you must buy  an insurance policy from me or what, I am just trying to advocate the importance of this amazing invention call insurance.

Anyway I don't sell insurance I make just plans for your rainy days. If you call me up to buy a policy, please expect me to say I am not going to sell you a single product before YOU allowing me to assess what you really need.

I don't sell combs to *Botak heads* Baldies do not need to comb their hair lar if you finally realised. If you don't have a need, you wouldn't even care to buy anything. Only get what you need is my motto. Many people do not know what they need, what they want.

If you happens to receive a call from me, don't panick, I will never sell anything to you though I am so super passionate in my insurance business!. What I will like to help, is to let you have a clearer understanding of what you already have and FULLSTOP. My job is to let you know what you have. What ever that comes after that, I am just doing my job in providing a solution.

To be a successful planner, it is not about selling, it is about your valued customers buying what they really need. So as their life stages changes and their needs were met not because they bought something from you but be the one who make them understand and realise their need for you really care.

To my brothers and sisters in christ who reads my blog:

My Revelations are from Ecc 11: 1 when I prayed for my job.

Invest in Life

Send your bread on the surface of the waters, for after many days you may find it.

Give a portion to seven (this seven doesn't mean me by the way) or even to eight for you don't know what disaster may happen on earth. If the clouds are full they will pour out rain on the earth; (thats why orchard flood hhaaaaa, they are not prepared for it)

Whether a tree falls to the south or the north, the place where the tree fall there it will lie (tree falling onto serangoon semi-detached house, poke one hole in the grandson room)

The rest are for me.

11:4 One who watches the wind will not sow; (this verse is for me, stand there and look at wind, so you eat wind as well, no money de! * Jia Chao *Eat grass like sheep)

11:6 In the morning sow your seed, (wake up early and sow your appointment, shut-up go into your Eunos office and call) and at the evening do not let your hand rest, because you don't know which will succeed, whether one or the other or both will be equally good (Go for all evening appointment and stop being a lazy bum)

I honor my new role that will glorify my daddy God, I know and I know that I am in the right place.

I will end my post today with this, No one cares how much you know, until you show them how much you care. Have a great a blessful Sunday!