对任何一个人来讲，只有财务独立才能获得真正的独立，所以本书提出的“女人就是要有钱”的观点我是完全赞同的。我经常讲女人要自立，不能有“靠”的念头，因为“靠山山倒，靠人人跑”，只有靠自己最好。一个女人只有经济上独立了，才会在生活中获得心理上的安宁。
一个人一生的收入来源于两个方面：一方面是工作收入，另一方面是理财收入。孔子云：“君子爱财，取之有道；君子爱财，更应治之有道。”这里说的“取”就是赚钱，“治”就是理财。一个人赚钱能力再强，如果不会理财，到了晚年还是会落地两手空空，为衣食忧愁。
那么如何理好财呢？我同意书中的观点：要从攒钱开始。攒钱是理财的起点。我经常讲：收入是河流，财富是水库，花出去的钱就是流出去的水，只有留在水库里的才是你的财。要想攒好钱，就要一生养成量入为出的习惯。有一次我接受媒体采访，让我给女性理财提点建议，我说：“女性朋友要尽量克制冲动消费。”女人在消费方面的自制力会比男人稍差一点，但要让一个女人完全向男人那样去消费，是不可能的，如果那样的话女人就不再是女人了，女人也就不再可爱了。但是过度的消费会使你无财可理。信用卡在女人消费的过程中扮演了重要的角色，我同意书中的观点，要慎重使用信用卡。我一直认为信用卡是冲动消费的罪魁祸首，它会造成人们的无感觉消费，因此抛掉手中的信用卡是克制冲动消费的一个很好的方法。当然，如果你认为必要，留一张在手里也可以，但平时少用它，尽量使用现金付帐，这样你就会少花一些钱，多为你的水库存些水。
光会攒钱是不够的，还要学会投资，要让钱生钱，生钱是理财的重点。我建议把你家水库中的钱分成三份：第一份，叫应急的钱。应该留半年到一年的生活费，这些钱以活期储蓄的形式存放，当然也可以买点货币市场基金。
第二份，叫保命的钱。应该留三到五年的生活费。这些钱可以以定期储蓄的形式存放，或者部分购买国债。
第三份，叫闲钱。是五到十年不用的钱，这些钱才可以用来买股票、基金、房地产，以期获得高收益，当然也要做好亏本的准备。
书中提到的养老保险也可以买，但不是唯一手段，投资基金也可以用来养老的。能不能养老关键看你的水库中有没有足够的水。第三点我要说的是买保险，我这里说的是买保障型的保险，比如人身意外险、住院保险和定期寿险等等。这样你在发生意外损失时，保险公司会为你提供补偿性的财务支持，否则你家的水库就有可能决堤了。买保险是为了实现财务安全。
最后一点我要说的是婚姻。中国有句话：男怕入错行，女怕嫁错郎。这话一点没错。结婚本身就是理财，婚姻不是你最大的财就是你最大的债。书中的观点我很认同，女人不应该因为爱一个人而和他结婚，而是因为人生观、价值观相同而和他结婚。女人都喜欢“帅”男人，殊不知这个字眼是夸赞男人的字眼中最不值钱的一个。“帅”和“嫁”之间毫无关系。女人愿意嫁有钱的男人是天经地义的想法，一点没有错，但嫁给有钱的男人不代表女人可以不工作，财务上不要独立。一个完全要老公养活的女人很难说是一个独立的女人。所以我不主张女人做全职太太。女人不应该因为婚姻而失去工作。只有工作才能让一个女人成为真正财务独立的女人，进而成为人格独立的女人。我衷心祝愿你们都能成为有钱的独立女人，也希望你们生活幸福美好。
Sunday, December 28, 2008
Monday, December 22, 2008
冬至
阳历十二月二十二日或二十三日
解说：
在中国，“冬至”的字面意义很清楚的告诉人们，这一天到来，宣布着严冬季节开始到来。虽然东南亚地区常年皆夏，它还是被当地的华人视为一种习俗，世代流传至今。
冬至通常是落在每年阳历十二月二十二日前後，太阳到达黄经270度时开始。
这时，太阳几乎直射南回归线，在地球北半球的人们看太阳，会见到它迟迟升起，只有南半天，划了个又低又小的圆弧就西落了。因此，这一天是北半球的白天最短的日子。
中国北方人有“吃了冬至饭，一天长一线”的说法。
也即是说，冬至过後，太阳的直射渐渐北移，北半球的白天时间一天比一天长。周朝以来，古人以为这一日阳气（白日）开始上升，是个吉日，所以计算24节令亦 以冬至为首节。古人更因此以为交冬是应当庆祝，甚至以为这是新的一年已来到的开始。所以自汉代以来便非常重视冬至日，且有庆贺的习惯。
把冬至看成一年中的盛大日子的说法从周代便流传，而且演变出许多重要的仪礼。
它不只是一个朝廷节日，也是民间的大节日，以为冬至是每年的24节令的第1个节令的首天，这一天应该祭天、祀祖，除了家人团聚，亲友也互相贺节。
从中国历史上开始有文字可以追溯的周朝起，一直到了清朝这一个中国历史上的最後一个皇朝，冬至日是皇帝一年一度代表其国家和百姓祭天的大日子。
《周礼》说，周朝时代冬至是天子“祀供昊天上帝於闤丘”的日子，由皇帝在郊坛带领官员向东南西北中五方帝君及日月星辰致祭。至汉代，风俗尚传，《准南子》记载：“冬至日天子率三公九卿迎岁”。
《汉书》解释说，冬至时“君道长，阳气升”，所以便要庆贺。
《後汉书》则说：冬天前後是君子安身静气的日子，百官也应绝事，不听政。满朝官员在每年冬至起，要在这时休息一阵子之後，方才选择良辰吉日重新省事。
唐宋两朝，都把冬至视为大节，皇帝率文武百官祭祖，祭後还举行朝庭互拜。到了清朝时，冬至依然被官方定为“祭祖日”。
至今，中国不少地区仍旧是流传了“冬至大如年”的说法。
北方谚语说“肥冬瘦年”是从经验中得到教训：为了每年这一天起要准备度过冬天，许多人都会尽量设法找钱开销。等他们庆贺了冬至和过了冬天之後，到了春天过新年之刻，袋中钱财已所剩无几了。
迄今广东人还是沿着旧俗，称冬至日为“亚岁”、“小年”、“冬节”和“亚节”。
习俗：
1）祭祖是使冬至内容与人间伦理相关的重要活动，既有家家户户举行，亦有由宗祠会馆统一办理“冬祭”。隆重的冬祭仪式包括扫祭社团总坟以及设宴聚会亲族。
2）冬至的食物特徵是汤圆。从搓糯米丸到煮糯米丸，一直到全家老幼吃糯米丸，是当天不可缺少的风俗。福建人以红糖煮糯米丸祭神；潮汕人，除了制作糯米丸，也有制作梗米丸的。
至於客家人，又有以为这一日是“冬年”，出现在冬至日进补“补冬”的习惯。各籍贯人之间，亦流行在冬至打边炉，客人又有以为冬至日吃烘番薯补身的习惯。
3）福建人迷信说，在冬至煮汤丸时，有机会辨别家中尚在母腹的婴儿的性别。如果汤丸的表面像气泡突起，就表示产妇未来会生男婴，如果汤丸的表面凹下而出现缺孔，则表示会生女。由於过去缺乏科学鉴证，才有如此预测方法。
意义：
福建人之风俗可参考《惠安县志》说法：“冬至阳始生，则为米圆，以像阳圆圆也”。“丸”与“圆”同音。因此，全家人一齐搓汤圆煮汤圆，又用汤圆祭神祀祖和分食汤圆，是一种合家乐的协作和好气氛，也象徵“团圆”的美满之意。
古人对冬至的重视是可以理解的，每年的严冬都是对地面上一切生命的一次考验；即使是南方热带，华人还是用“过不了冬”的谚语形容生命垂危。所以，人们便在冬季庆幸一年的团圆，也预祝来年及往后的团圆。
在这一日祭祖，也带有这一层的祈愿意义，盼望历代祖先的先灵回到子孙家中，子孙都团聚不分。所以，广东人和客人，又俗称祀祖为“家宴”，过冬至为“添岁”。
基於冬至是一切生命有待“始而复生”的考验的开始，所以闽人也在这天，藉汤丸预测未来加入家庭团圆的新生命是男是女。
马来西亚和中国不同，并没有明显的四季之分，在热带地区过“冬至”只是文化习俗的认同。
“冬至”的气候情况并不可能在热带出现，但是华人在东南亚，依然庆祝“冬至”、依然祀祖吃汤圆，正说明活动内涵的价值，根深蒂固在人心。
当相应於节日的祈愿和习俗形成一种文化，节令的真实时空状况是否确实如同以往，已不再是构成节日存在的重要因素。
Saturday, December 20, 2008
AIA調查顯示大馬新生代 選擇投保私人醫藥服務
（吉隆坡訊）美國友邦保險公司的一項調查顯示，時下大馬青年將會選擇投保私人醫藥服務。
一般上，先進國的年輕人會比年長者，受過高等教育。他們的教育水平高是因為對風險的醒覺有所提高，包括健康。
一篇文告中說，在醫藥保險中，客戶可自由選擇所需要的醫藥保單，不過，促成他們做出決定的主要原因是想擁有“保護計劃”。
一般上，先進國的年輕人會比年長者，受過高等教育。他們的教育水平高是因為對風險的醒覺有所提高，包括健康。
一篇文告中說，在醫藥保險中，客戶可自由選擇所需要的醫藥保單，不過，促成他們做出決定的主要原因是想擁有“保護計劃”。
合理理财-六步骤
理财其实不难，只要你有决心，遵循一定的步骤就可以开始个人理财。
当你开始着手进行财务管理计划时，有六个基本步骤可以协助你更快地掌握要点。刚接触个人理财，也许会觉得这几个步骤既繁，又难以执行，但这些步骤就好比学开车时，驾驶训练班安排的课程，要求你必须背一大堆口诀，当右转时方向盘该打几圈？倒车入库时又该怎么转。等到到你开车得心应手时这些口诀就可以功成身退。理财也是一样，当它成为生活的一部分时，不需刻意强记这些步骤它们就成为生活的一部分时，不需刻意强记这些步骤它们就成为实际的行动，此时，你就算是具有相当的理财基础了。通过下列六个步骤，可以让你的理财过程有事半功倍之效，避免徒劳无功。
第一步 了解自我
每个理财个体都是唯一的，你有与他人相异的财务目标、财务状况、家庭成员、生活理想、嗜好，甚至与众不同的脾气，以及对风险的看法等等，为了合全家的财务资源能有效运用，因此你可以通过家庭会议定出全家共同的目标。有了目标之后，就必须付诸实行，所谓“知已知彼，百战百胜”，站在个人理财的起点，你必须了解自己的财务实力、收支状况、理财条件及未来需求等，才能定出合适自己的财务策略，编列预算达成目标。
个人理财是以财务独立为起点，例如一个人刚刚参加工作有自己的收入，可以支配工作所得，这时候他就是一个理财单位。结婚后成为双薪家庭，拥有两份收入，也有家庭的共同目标，例如教养子女、定期旅游等等，因此，了解自我就是清楚你与众不同的财务现状及目标。其次，可支配所得代表个人总收入减去缴给税务部门的各项税额后，可用以自行支配的部分，因为，只有在合法缴税后，才能安心理财。由于个人所得是陆续发生的，如何预估或掌握收入、支出的情形，进而检讨改进，就有赖于平日的财务纪录，就必须先认识个人的财务报表，了解自己的财务实力。
第二步 设定目标
理财如同在大海中航行，在“了解自我”的过程中，透过财务报表，了解财务资源的多寡及形态，也就是清楚自己驾驶船上的配备；接着你就要以透过对美好生活的憧憬，描绘属于自己的美丽新世界，也就是说要先了解身处何处，确知所欲何往，以订下理财的目标。目标的设定必须明确具体地凝聚资讯及资金，才能合财务策略的运用得心应手，缩短达成时日。
第三步 拟定策略
达成财务目标就像障碍赛跑的过程，而策略是达成目标的方法，订下财务目标后，由于每个人有不同的条件、不同的障碍，因此你必须发挥优点、避开弱点、找到机会、顺应趋势、运用最省时省钱的方式到达终点。“拟定策略”就是找到最有效率的理财方法，以最少的花费，最低的成本达成你的财务目标，这是假定策略的最高指导原则。
第四步 编列预算
找到财务策略之后，你必须更精确地将计划与财务资源配合，而预算是控制目标达成的工具，不管是资金流量的累积、存量的配置，都需要编列预算，让财务目标数量化，然后可以设定逐步达成所需的金额及进度，用预算来控制收入及支出。惟有事前详加规划，才能让财务计划在理发的程序下，顺利达成。
第五步 执行预算
接下来，你可以依照所编列的预算，开始执行工作，但是为求谨慎起见，可以再从第一步骤起做个修订，直到符合理想为止，且随时做财务经录按照进度实行配合计划的进展，才不会偏离目标。
第六步 分析成果
最后一项步骤，就是开始评估整体财务计划的成效。如果对成效不满意，可以按照前表，再重头做一番新的检视，比如：可再增加所得收入，或是节衣缩食减少支出等，然后调整预算表，重新检查是否可达成目标。分析成果的目的，是用来调整长期的财务目标和计划。
当你开始着手进行财务管理计划时，有六个基本步骤可以协助你更快地掌握要点。刚接触个人理财，也许会觉得这几个步骤既繁，又难以执行，但这些步骤就好比学开车时，驾驶训练班安排的课程，要求你必须背一大堆口诀，当右转时方向盘该打几圈？倒车入库时又该怎么转。等到到你开车得心应手时这些口诀就可以功成身退。理财也是一样，当它成为生活的一部分时，不需刻意强记这些步骤它们就成为生活的一部分时，不需刻意强记这些步骤它们就成为实际的行动，此时，你就算是具有相当的理财基础了。通过下列六个步骤，可以让你的理财过程有事半功倍之效，避免徒劳无功。
第一步 了解自我
每个理财个体都是唯一的，你有与他人相异的财务目标、财务状况、家庭成员、生活理想、嗜好，甚至与众不同的脾气，以及对风险的看法等等，为了合全家的财务资源能有效运用，因此你可以通过家庭会议定出全家共同的目标。有了目标之后，就必须付诸实行，所谓“知已知彼，百战百胜”，站在个人理财的起点，你必须了解自己的财务实力、收支状况、理财条件及未来需求等，才能定出合适自己的财务策略，编列预算达成目标。
个人理财是以财务独立为起点，例如一个人刚刚参加工作有自己的收入，可以支配工作所得，这时候他就是一个理财单位。结婚后成为双薪家庭，拥有两份收入，也有家庭的共同目标，例如教养子女、定期旅游等等，因此，了解自我就是清楚你与众不同的财务现状及目标。其次，可支配所得代表个人总收入减去缴给税务部门的各项税额后，可用以自行支配的部分，因为，只有在合法缴税后，才能安心理财。由于个人所得是陆续发生的，如何预估或掌握收入、支出的情形，进而检讨改进，就有赖于平日的财务纪录，就必须先认识个人的财务报表，了解自己的财务实力。
第二步 设定目标
理财如同在大海中航行，在“了解自我”的过程中，透过财务报表，了解财务资源的多寡及形态，也就是清楚自己驾驶船上的配备；接着你就要以透过对美好生活的憧憬，描绘属于自己的美丽新世界，也就是说要先了解身处何处，确知所欲何往，以订下理财的目标。目标的设定必须明确具体地凝聚资讯及资金，才能合财务策略的运用得心应手，缩短达成时日。
第三步 拟定策略
达成财务目标就像障碍赛跑的过程，而策略是达成目标的方法，订下财务目标后，由于每个人有不同的条件、不同的障碍，因此你必须发挥优点、避开弱点、找到机会、顺应趋势、运用最省时省钱的方式到达终点。“拟定策略”就是找到最有效率的理财方法，以最少的花费，最低的成本达成你的财务目标，这是假定策略的最高指导原则。
第四步 编列预算
找到财务策略之后，你必须更精确地将计划与财务资源配合，而预算是控制目标达成的工具，不管是资金流量的累积、存量的配置，都需要编列预算，让财务目标数量化，然后可以设定逐步达成所需的金额及进度，用预算来控制收入及支出。惟有事前详加规划，才能让财务计划在理发的程序下，顺利达成。
第五步 执行预算
接下来，你可以依照所编列的预算，开始执行工作，但是为求谨慎起见，可以再从第一步骤起做个修订，直到符合理想为止，且随时做财务经录按照进度实行配合计划的进展，才不会偏离目标。
第六步 分析成果
最后一项步骤，就是开始评估整体财务计划的成效。如果对成效不满意，可以按照前表，再重头做一番新的检视，比如：可再增加所得收入，或是节衣缩食减少支出等，然后调整预算表，重新检查是否可达成目标。分析成果的目的，是用来调整长期的财务目标和计划。
Friday, December 19, 2008
2008-12-10 Genting First World Wonderland
Message : 3 Crazy gals love to take pictures... "Say Cheeze~~~~"
2008-12-10 AIA Champion SuperStar Concert
Message : AIA invited 2 Super Star > Gary曹格 & Tanya 蔡健雅
Cheer ~~~
2008-12-06 Kelip-kelip Kuala Selangor
First Time to go Kelip-kelip Park... So dark here...*Scare scare*
Friday, November 7, 2008
Luis的寿辰
Today, we celebrate Luis Tew birthday at Vietnam Kitchen Bkt Tinggi.
Wish him : All d Best & All dream come TRUE…
Happy & Healthy Alwz… + Smile alwz lolx
Rgs, Jessie Lee (XTREME)
Thursday, November 6, 2008
AIA Bhd. Confident of Continued Growth
6 October 2008
Kuala Lumpur – American International Assurance Bhd. (“AIA”) is confident of continued growth now that American International Group Inc., (“AIG”) has announced its intention to refocus the company and maintain a majority interest in AIA Companies in Asia.
According to AIA Chief Executive Officer Khor Hock Seng, now that AIG has made known it will retain a continuing ownership interest in AIA Companies in Asia, we do not anticipate any major changes to our operational style. He said that AIA’s business philosophy will continue to be the first choice provider of insurance with innovative and relevant products that anticipate our customers’ priorities with an aim to exceed their expectations.
Khor said that despite the events in the US financial market in recent weeks, AIA registered a 23 percent growth in new business for September (2008), which reflects the public’s confidence in AIA as a long-term and active participant in the local insurance and financial planning market. Khor added “we are grateful to all policyholders, agents, staff and partners for their ongoing support.”
“We are pleased to reiterate that AIA continues to be a high-performing and profitable business that has enjoyed steady revenue growth.
“AIA has been a household name in Insurance in Malaysia for 60 years. We have built a strong business foundation over time and look forward to continue servicing our customers needs now and in the future. Going forward, AIA is and will now be better positioned for further growth,” concluded Khor.
Kuala Lumpur – American International Assurance Bhd. (“AIA”) is confident of continued growth now that American International Group Inc., (“AIG”) has announced its intention to refocus the company and maintain a majority interest in AIA Companies in Asia.
According to AIA Chief Executive Officer Khor Hock Seng, now that AIG has made known it will retain a continuing ownership interest in AIA Companies in Asia, we do not anticipate any major changes to our operational style. He said that AIA’s business philosophy will continue to be the first choice provider of insurance with innovative and relevant products that anticipate our customers’ priorities with an aim to exceed their expectations.
Khor said that despite the events in the US financial market in recent weeks, AIA registered a 23 percent growth in new business for September (2008), which reflects the public’s confidence in AIA as a long-term and active participant in the local insurance and financial planning market. Khor added “we are grateful to all policyholders, agents, staff and partners for their ongoing support.”
“We are pleased to reiterate that AIA continues to be a high-performing and profitable business that has enjoyed steady revenue growth.
“AIA has been a household name in Insurance in Malaysia for 60 years. We have built a strong business foundation over time and look forward to continue servicing our customers needs now and in the future. Going forward, AIA is and will now be better positioned for further growth,” concluded Khor.
2008-10-20 A&H Life Matter Training - Club Med Cherating, Malaysia
Wow! Have chance to take picture with Mr Chua.C.S ( Vice President of AIA Malaysia ) - in Club Med Cherating, Malaysia.
A Friends
A Friend… is a tissue when you can’t stop crying
A Friend… is a shoulder when you feel like dying
A Friend… always listens when you have something to say
A Friend… is a week when you need a day
A Friend… is a crutch when you have a brokenheart
A Friend… is some glue when everything falls apart
A Friend… is a sun when the rain just won’t stop
A Friend… is your’mom when you run into a cop
A Friend… is a phone call when you can’t leave your home
A Friend… is a hand when you feel all alone
A Friend… is a wing if you want to fly
A Friend… understands without knowing why
A Friend… is an ear for a secret to tell
A Friend… is an aspirin when your head hurts like hell
A Friend… is a love that can never let go
A Friend… is you !!
A Friend… is a shoulder when you feel like dying
A Friend… always listens when you have something to say
A Friend… is a week when you need a day
A Friend… is a crutch when you have a brokenheart
A Friend… is some glue when everything falls apart
A Friend… is a sun when the rain just won’t stop
A Friend… is your’mom when you run into a cop
A Friend… is a phone call when you can’t leave your home
A Friend… is a hand when you feel all alone
A Friend… is a wing if you want to fly
A Friend… understands without knowing why
A Friend… is an ear for a secret to tell
A Friend… is an aspirin when your head hurts like hell
A Friend… is a love that can never let go
A Friend… is you !!
Wednesday, November 5, 2008
2008-09-16 AIA Bhd not impacted by the financial crisis in US
Kuala Lumpur: American International Assurance Bhd (AIA Bhd) is not impacted by the ongoing financial issues in the United States, its chief executive officer, Khor Hock Seng said Wednesday.
Hence, the company reassured all customers and policyholders that it was carrying on business as usual.
“We take pride in the fact that we are a locally incorporated insurer. More than 96 percent of our total assets are invested in Malaysia,” Khor said in a statement here Wednesday.
“Insurance policies underwritten by AIA Bhd are direct obligations of our regulated business, which is subject to stringent local regulatory and capital requirements as prescribed by the Insurance Act and Regulations,” he added.
He also said that AIA Bhd is well capitalised and that the company maintains separate reserves in Malaysia. This is in line with the regulations to meet obligations to policyholders.
AIA Bhd’s statement comes in the wake of news that the giant American International Group Inc in the United States is reeling from billions of dollars in souring mortgage debt.
The Federal Reserve Board of the United States had on Sept 16 announced that the Federal Reserve Bank of New York would provide a two-year, $85 billion secured revolving credit facility to AIG to ensure the company met its liquidity needs.
According to Khor, given AIA Bhds six decades of market experience, he was confident that the company would continue to meet the growing needs of all Malaysians while being the leading provider of insurance and financial services in the country.-Bernama
Hence, the company reassured all customers and policyholders that it was carrying on business as usual.
“We take pride in the fact that we are a locally incorporated insurer. More than 96 percent of our total assets are invested in Malaysia,” Khor said in a statement here Wednesday.
“Insurance policies underwritten by AIA Bhd are direct obligations of our regulated business, which is subject to stringent local regulatory and capital requirements as prescribed by the Insurance Act and Regulations,” he added.
He also said that AIA Bhd is well capitalised and that the company maintains separate reserves in Malaysia. This is in line with the regulations to meet obligations to policyholders.
AIA Bhd’s statement comes in the wake of news that the giant American International Group Inc in the United States is reeling from billions of dollars in souring mortgage debt.
The Federal Reserve Board of the United States had on Sept 16 announced that the Federal Reserve Bank of New York would provide a two-year, $85 billion secured revolving credit facility to AIG to ensure the company met its liquidity needs.
According to Khor, given AIA Bhds six decades of market experience, he was confident that the company would continue to meet the growing needs of all Malaysians while being the leading provider of insurance and financial services in the country.-Bernama
Friday, September 26, 2008
Wednesday, September 10, 2008
Friday, September 5, 2008
MUST READ!! Sure become Sucessful Insurance sales
Last weekend, i spent an hour doing my reading, i found some several points inside this book that works on my life.
When u know what your big goal is, several good things happen:
1st- Your subconscious goes to work" What the mind can conceive & believe, it can achieve" B'coz u visualize your intended destination, ur subconcious is affected by this self suggestion and seek ideas and solutions to help u to get there.
2nd-B'coz u know wat u wan, u received opportunities that will help u to attain it. YOU GET ON TRACK! YOU GET INTO ACTION !
3rd-Work become fun. U are motivate to pay the price. You budget ur time & money. You study , think and plan. The more u think about your goal, the more enthusiastic u become, And with enthusiasm, your desire turns into a burning desire.
Have u heard before Terry Fox in 1980's?
For Terry Fox , the need to settle on a life purpose was thrust upon him at an early age. 2 days after his 18th b'day, the young canadian learned that he had a cancerous tumor in his right knee and that his leg would have amputated. Following the operation, as he was enduring painful chemotherapy treatments and learning to walk at his artificial leg, he realised that he could no longer take his life for granted; time might be running out. Rather than waste the time in self-pity, he resolved to set an immediate goal for himself; he would help mankind by raising a million dollar to fight cancer. he would establish a fund raising " Marathon of Hope" and he himself would run across Canada, donating the money he raised to the Canadian Cancer Society.
Powered by definiteness of purpose, and running on his artificial leg, Fox managed to complete a marathon every day for 5 months, goin three fifths of the way across Canada before failing health forced him to abandon his" Marathon of Hope" on Sept 1981.
Whatever his ultimate goal may have been, he never reached it, for the cancer spread his lungs and he died in June 1982. But he had raised more than 24 millions and perhaps even more important, he became an inspiration to thousands of cancer victims. He still is.
Terry Fox symbolised what the most of us want to know- that there is purpose to life. Your being here does mean something. What you do as an agent can does make a difference.
POST BY CAMIE NG
Tuesday, August 26, 2008
Tuesday, August 19, 2008
Ketam Outing(Photo)
<--- Yeng wor, so pandai hide your tummy!
(Group photo!)
Do they look like couple?
Like sugar daddy~
Financial Survey
Base on the latest survey results done in Australia.
As a result, the profile of people at age 65 is :
1 % Wealthy : Live in happily
7 % Financial Independent : Financial freedom
10% Bankrupt : Face on a lot of financial TROUBLE
16% Working : It is not how much you can EARN caused of age goes UP.
28% Death : Heaven or Hell??
38% Depends on others : OLD age in Miserable !!!
As a result, the profile of people at age 65 is :
1 % Wealthy : Live in happily
7 % Financial Independent : Financial freedom
10% Bankrupt : Face on a lot of financial TROUBLE
16% Working : It is not how much you can EARN caused of age goes UP.
28% Death : Heaven or Hell??
38% Depends on others : OLD age in Miserable !!!
That is Australia! What about Malaysia?
Regardless the 28% of the "Heaven & Hell" option.
16% of people are still working! Working life in Australia is far more easier than in Malaysia! Why? Inflasion! They earn AUS$1500 per month, they spend about 50 bucks for food & grocery a week! In Malaysia if you are earning RM1500, how much you got to spend for food? Sigh~
38% of the Australian depend on others, they are lucky that thier government subsidary most of their cos of living like medical bills..etc. Of course they pay a higher income tax when they are young... But in Malaysia? Who shall we depend? Definately not government if you are not a "native". On our children? EPF? 80% of Malaysian see their EPF DIED before them!
It's time to think how you want your life in age of 65! Since the government haven't force us to pay more and promise to take care of us, why not we create more retirement fund for ourself?
Trusted Brand 2008
10th Anniversary - Gold - Trusted Brand
AIA - the BrandFor years now, AIA has successfully maintained a strong brand identity, a result of consistent branding and positioning effort. The AIA brand highlights the company as one that is vibrant, dynamic and closely identified with a set of core progressive values. The central core values of AIA are quality, service excellence and strong financial stability.
In May 2008, AIA Malaysia was awarded the Reader's Digest Trusted Brand Gold Award for the Insurance category. This prestigious award is given to brands that demonstrate benchmark factors of quality, value, trustworthiness, strong image and understanding of consumer needs. This top honor gives us due recognition for the continuous efforts made in brand building throughout the years.
AIA - the BrandFor years now, AIA has successfully maintained a strong brand identity, a result of consistent branding and positioning effort. The AIA brand highlights the company as one that is vibrant, dynamic and closely identified with a set of core progressive values. The central core values of AIA are quality, service excellence and strong financial stability.
In May 2008, AIA Malaysia was awarded the Reader's Digest Trusted Brand Gold Award for the Insurance category. This prestigious award is given to brands that demonstrate benchmark factors of quality, value, trustworthiness, strong image and understanding of consumer needs. This top honor gives us due recognition for the continuous efforts made in brand building throughout the years.
Success
Success. It always begins with a single decision Success.
We have always envied people who are financially independent and successful. People see them for what they have, not what they had done to get there. The formula to success is almost always the same. Decide. Plan. Start.
Investing is a good way to get there and it is not difficult. The decision to start might be, but once you do decide, it is like good habit that yields fantastic results in the future. Dreams will become reality. Like life, all you need to do is take it one step at a time.
The wonderful journey to financial independence begins with one simple decision. JUST START.
We have always envied people who are financially independent and successful. People see them for what they have, not what they had done to get there. The formula to success is almost always the same. Decide. Plan. Start.
Investing is a good way to get there and it is not difficult. The decision to start might be, but once you do decide, it is like good habit that yields fantastic results in the future. Dreams will become reality. Like life, all you need to do is take it one step at a time.
The wonderful journey to financial independence begins with one simple decision. JUST START.
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