Friday, April 17, 2009


May all sentient beings have happiness and its causes

May all sentient beings be free of suffering and its causes

May all sentient beings not be separated from
sorrowless bliss

May all sentient beings abide in equanimity,
free of bias, attachment and anger.

Thursday, April 16, 2009

What are your financial concerns?

Most people are primarily concerned about the following:
  • DEATH - Will their family have enough money if they die to young?
  • DISABILITY - Will they and their family have enough money if they are disabled?
  • RETIREMENT - Will they have adequate money to enable them to lead a comfortable retirement without fear of running out of money?
  • ESTATE Planning - How can they ensure their money gets to their intended heirs and how can they minimise the impact of estate taxes and related costs?
If they own business, many of them are additionally concerned about:
  • BUSINESS CONTINUATION PLANNING - Who will own and run the business and what impact will their death have on the business?
  • SELECTIVE COMPENSATION PLANNING - How do you recruit, retain, and reward key people?

Wednesday, April 15, 2009

Children Learn What They Live

If a child lives with criticism,
He learns to condemn.
If a child Lives with hostility,
He learns to fight.
If a child lives with ridicule,
He learns to be shy.
If a child lives with shame,
He learns to feel guilty.

If a child lives with tolerance,
He learns to be patient.
If a child lives with praise,
He learns to appreciate.
If a child lives with fairness,
He learns justice.
If a child lives with security,
He learns to have faith.
If a child lives with approval,
He learns to like himself.
If a child lives with acceptance & friendship,
He learns to find love in the world.

Tuesday, April 14, 2009

Everybody, Somebody, Anybody, Nobody?

There was an important job to be done and Everybody was asked to do it. Everybody was sure Somebody would do it. Anybody could have done it, but Nobody did it. Somebody got angry about that because it was Everybody's job. Everybody thought Anybody could do it, but Nobody realised that Everybody wouldn't do it. It ended up that Everybody blamed Somebody when actually Nobody asked Anybody.

So this is a story about four people: Everybody, Somebody, Anybody & Nobody.

Monday, April 13, 2009

What is Investment-Link Policy (ILPs)?

Briefly, Investment-link policy offers a combination of permanent and term life insurance protection and the growth potential of variable fund investments.
Its unique features is that the policy’s cash value is invested in an account made up of one or more funds of equities, money-markets or bonds. The policy owner decides where to invest the money and, periodically, within contract limits each year, may transfer funds from one fund to another.
The policy guarantees a minimum death benefit, but the actual death paid may be much higher if the investments perform well. In addition, the cash value also fluctuates with the investment performance, and has the potential of greatly surpassing the return on traditional life insurance policies, as well as those of universal life.
There is also risk with this type of contract. The cash values are not guaranteed. If the investments to which they are linked perform poorly, the variable life cash values may grow at a lower rate than in traditional products or not at all.
Investments-link products policy owners might pay a level premium for the duration of the policy. There are flexible premium payments with this product. Each premium is reduced by an amount needed to maintain the minimum guaranteed death benefit.
The product is entitled to tax-free death benefits. However, investment-link product policy is both a life insurance and equity product. For this reason, field underwriters who sell it must be life licensed.
Is Investment-linked policy suitable for you?

Please take note of the following points:
  • You should have a basic understanding of investments and believe they are capable of making good investments decisions.
  • You must have relatively high risk tolerance. If the sometimes uncertain, non-guaranteed nature of this product makes you uncomfortable, this is not the product for you to buy.
Of course, after what have been said and done, it is best to get appropriate advice from qualified financial planner who has the capability to address your financial concern, needs and goals.

The man who wins is the man who thinks he can

If you think you are beaten, you are,
If you think you dare not, you don't
If you like to win, but you think you can't,
It is almost certain you wont.

If you think you'll lose, you lost,
For out of the world we find,
Success begins with a fellow's will
It's all in the state of mind

If you think you are outclasses, you are,
You've got to think high to rise
You've got to be sure of yourself before
You can ever win a prize.

Life's battles don't always go
To the stronger of faster man,
But soon or late the man who wins
Is the man who thinks he can

L O V E...

is patient, love is kind.

Love is not jealous, it does not
put on airs, it is not snobbish.

Love is never rude, it is not
self-seeking, it is not prone to anger;
neither does it brood over injuries.

Love does not rejoice in what is wrong,
but rejoices with the truth.
There is no limit to love's forbearance, its truth,
its hope, its power to endure.

Sunday, April 12, 2009

Why people buy Life Insurance?

People buy life insurance because they care about someone, organisation like a school, college, temple, church or a charity group or because they owe someone.

Many people tend to treat life insurance as an expense to be minimized. I view life insurance as an asset to be optimized within the context of your overall financial situation.

Life insurance can create a fortune for your family. It can help to create a fortune to supplement your own retirement income. When you have created a fortune, life insurance can save that fortune being devastated by estate taxes (if any, subject current tax law) and related costs.