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