So how far have I gone?

All these months and all the 'training', how far have I gone? Idk. Honestly, I don't feel I've progressed much. I don't feel the sense of capability to do well in the job. Probably in a couple of weeks I would be able to get my license. But the main question is 'then what?' Where do I go next?

All these while I've been picking up things here and there. At the end of the day I feel like I'm going nowhere. I need to work in sequence. An orderly manner that's productive. I feel like as if my emotions are on a roller coaster.

Why doesn't money just drop from the sky? I really hate living days like that.... I guess to a certain extent money can really buy me happiness. Take away my tears and misery please...

"Hate cannot drive out hate, only love can" - Martin Luther King

When you're young, you're idealistic. As you grow older, you become more realistic.

What is it that sets aside great people from the mediocre masses? What propels them to have beliefs so strong they're willing to sacrifice their lives? What keeps them going when the future is bleak? What keeps them pushing even when they no longer have control over their movements? What role does the family have to play in their greatness? Why don't they ever reach a point of saying 'enough failure is enough'? Why have they never succumbed into leading a mediocre (read: peaceful & stable) life? Where do they get such strength from?

Kids are urged to 'be realistic'. But idealism is the forefront of change. And everything's changing.

Must keep my sanity in check. The thought of seeing you in 20hours just made me cry. How am I ever going to survive another one week?!?!?! But on a sidenote, it's amazing me just how much a person can ever mean to me. Just you is enough for me. I can't multitask.

I'm starting to feel miserable again. The financial pressures are taking a toll on me, so much so that I lost my temper with mum just now. I don't know if I can survive the critical 6months/2yrs in this industry when I'm feeling like this now.

LK got a $3.5k job. Add in bonuses, CPF, staff benefits.... All the opportunity costs... Is it worth it?

Blah

Baby's sick and injured now. So far away from me... I miss you..

Aung San Suu Kyi 'released'

Could be happy news. But obviously everyone's cautious about it. Hence the "

An eye for an eye makes the whole world blind

Negative thoughts are like looking for a black cat in a dark room when the cat isn't even there

A :) on my face!

I'm happy baby and aud all gave in to me eventually. Now I'm headed for a trip with them and it's a happy me again :D

On a sidenote, mum might not be too pleased to know 'taking care of myself' involves throwing sandy shoes into her spanky clean dryer.

Been going to office everyday since Monday. I guess I've been slacking around way too much the past few months. This is honestly taking quite a toll on me. I'm constantly sleepy and I feel like I'm absorbing lesser and lesser each day. But I know I must succeed... For I have a mountain climbing trip to pay for!

Health Insurance

The upgrade from MediShield can be provided from quite a couple of private insurers.

Aviva: Good for families
NTUC: Good for those who don't need 100% coverage
AIA: Good for those who want 100% coverage

Get it right, from the start.

Because it is risky to change insurer halfway through. Insurers do not cover pre-existing illnesses, regardless whether it is diagnosed or not.

Eg: B purchases an NTUC health insurance and decides to switch over the AIA. One month after the switch, B suffers a heart attack. Neither NTUC nor AIA will pay out on the policy because a heart problem could not possibly have developed within the past one month and therefore, was deemed to be a 'pre-existing' illness, despite the fact that B knew nothing about it.

Sad start to a new day

Woke up this morning with a heavy heart. It seems like something's stuck in there and I can't take it out. Even froggy's presence ain't cheering me up. I'm feeling disappointed with myself that I'm not putting you first and letting stupid thoughts get into my head. But am feeling abit contridicted. I like your anything goes character, but wonder what I do that can ever make u upset. Or is it a case of having no expectations of me so everything's so ok... In any case, you said it's fine and I'll probably try to take it at face value. Frankly speaking, I don't feel good over here and I want you back with me... I thought this week was busy and would be bearable. Apparently not. I miss u..

3rd Day

Never intended to head to KK without you. Received Aud's msg early in the morn and didn't bother to reply since I was pretty sure I didn't want to go (since it wasn't the sch hols). But while in the train heading out for dinner, I don't know why I suddenly recalled what you said and I started feeling really unhappy and insecure... Maybe out of rebellion... Maybe out of anger.. Maybe to convince myself I don't really need you.... I decided to just go ahead with her. I thought it would be easy to convince myself it's ok. But apparently it's not, because the thoughts of u are constantly lurking somewhere in my head. My most desired option is to be there with u.. And now I'm trying to do the damage control.

The flight hasn't been paid for yet. Please just don't brush me aside with an 'it's ok. u go ahead. i'll find company' comment. Gonna hurt real bad. I'll be keeping my fingers crossed tonight. Hope to hear from u when u wake up.

I want to be yours and no one else's.

The third day without you feels bad..

Training Day 2

The insurance model would touch on 3 main aspects: Protection, Savings, Investment

One way to manage the funds would be the BTIR [Buy Term Invest the Rest] model.
- Purchase a term life insurance, which is significantly cheaper then the other policies. as an example, my whole life policy p.a. costs $1200. For the same amt of death and TPD coverage, term will cost <$300.
- Invest the savings

Pros
- Probably lower distribution costs
- No conflict of interests. Can still keep insurance while redeeming investments.
- Allows client to be adequately insured at affordable premiums

Cons
- Don't have Critical Illness coverage
- Requires discipline [no premium holidays, client has to make sure he sets aside the difference for savings/investment]
- Premiums might increase year on year
- Buyer has to be very clear on what he wants. Many give up on term insurance because of the feeling of paying for 'nothing'.

Second way is to purchase a WL plan. WL combines protection and savings element. There is a guaranteed return every year and it keeps accummulating until eventually it will be more than the premiums paid.

Pros
- Creates an immediate estate
- Payout definitely exceed premium [eg. $1200 p.a. limited premium for 15yrs with coverage of $80,000]
- cover is for whole life
- covers critical illness and TPD [subject to rider]
- client may redeem policy for cash value if he needs it [not advisable - a WL plan is meant primarily for whole life]

Cons
- expensive. May be unaffordable for some.
- Some are of the view savings and protection should be kept seperately.
- When redeeming cash value, protection ceases.
- Lower rate of return as compared to endowment

Third way is Invesment-Linked Policy [ILP]. This combines investment and protection. Clients are able to add on riders.

Pros
- Convenient. Buy one, settle two aspects.
- Covers Critical Illness [subject to rider]

Cons
- High distribution costs
- Increasing premiums [might be unsustainable in the long run]
- Some companies may cease protection when investment ceases [and people seldom keep one investment for life]

我心胸狭窄，一个你就够了。。。

我 = me
心 = heart
胸 = chest
狭窄 = narrow
一个 = one
你 = you
就够了 = is enough