today darling's brother-in-law has free lunch @ 龙门 so we went there to have a dimsum buffet along with his neighbour and 3 boys + his mama, papa, darling's parents, sis and of cos me! But i arrived a bit late...hmm paiseh cos i fell asleep and woke up a bit late...hai...darling gave mi the glaring stare on her face
i was thinking: : : BOOM!! its gg to be a stormy day : : : but she din really scold mi la ..heng...
Wor i realised so many ppl ard mi birthday! esp 16th jul haha darling's papa, my younger brother, and shumin! hehe though darling is on 15th hehe
a week has trotted by again! haha 哦 juz see my brother using the SQS for prudential on how to generate a simple plan lol...though i neva got contracted but i want to encourage more of u ppl to buy as early as poss...haha..i did up for my darling and found if she can buy now...she will save 20 cents per month on her premium for 25 years! which is??hehe
ILPs -- investments linked policies , whole life, term, endowment...some common terms that might be heard haha if any 1 is interested in making ur $ work harder for u, plz do sms or call mi, i can refer u to my brother hehe... Wad i can say is that the end beneficiary is not mi or my brother but the policy owner heh (why do we need such plans you all might say )
Below is definately not sales talk that i am telling u all...
Think of senarios - say i wan to save in banks with its low interest + they keep deducting $2 as service charge....#%^( when am i gg to recover all these? they take my $ ｔｈｅｎ ｌｏａｎ ｉｔ ｂａｃｋ ｔｏ ｍｉ ａｎｄ ｃｈａｒｇｅ ４．７５％ｉｎｔｅｒｅｓｔ．．．Any 1 happy abt this kind of arrangement?
hai...think of tin A and tin B,
tin A - only save and cannot take out for 25 years
tin B - save and take
which one will have more $ after 25 years?
personally i think it will be tin A...i have a policy with NTUC.. haha i saved while i was in NS..though it has not start to accumulate any $ for mi, i know i have a few hundreds inside liao.. im happy...now there are even more flexible plans like the ILPs which allows mi to sell my units away when i dun want or have the regular savings option
Wealth accumulation is important, securing our lives and insuring it against any accidents is as impt as well...I think most of us will not pay attn to it now like mi but after a few years down the road, trust mi, u'll regret not buying earlier..
haha buying insurance is not an expense, it is a way to build an immediate estate the day we leave this earth. If we can take out $100 per month (which is poss judgin from the way we buy things, eg clothes etc) even if we have a lower budget we can still save with minimum coverage, better than nth i guess....
haha i used to reject insurance myself, but as i look back, i think it is one of the most successful business here...haha every1 would try to get 1 in some part of their life...but not any1 can get 1...
different ppl does have differing views on insurance and i will not say that it is all mighty ya?
For mi, i want to save as much as poss to enjoy myself later hehe (i hope can)then mi and my darling will go and visit some countries and relac one corner hehe shiok!
back to story -- after eating, went to bugis with darling and her mama, damn CROWDED wad happen man...today is a bad day for shopping hehe any way darling bought a cleanser haha then its head for home!! JAM packed man oh i bought 2xG2000 shirts and haf a furthur 15% discount becos darling is a member shiok!!!!! savings!! haha but my mama nag @ mi juz now haha sian...haha want to get a final stripe pants and that shld do for my working wear haha then its time to repay my loan liao + save + get a plan! hehe b4 my bday..haha cheaper!!!
lol
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