Q: When are you coming back after your CNY holidays? A: I don’t know

HorseWhile exchanging Chinese New Year wishes just now in our office, a senior Insurance Adviser was asked when she was coming back after the holidays.

She replied, “I don’t know. See lah how, I’ll decide later when to come back to work”

This is the luxury she had earned for herself after her years of dedication to her career in the Life Insurance industry. How about you? Do you enjoy the same freedom to decide on the duration of your vacation?

If no, then perhaps NOW you might want to chart a new direction and race as fast as the horse against the wind towards financial freedom and happiness?

If that’s what you want, then we are here to let you explore the world of insurance & financial planning in bettering yours and the lives of people whom you care for

So what’s in store for you in the Year of The Wooden Horse? Read more here at NST

WE WOULD LIKE TO WISH ALL A VERY HAPPY AND PROSPEROUS YEAR OF THE HORSE. MAY YOUR LIVES BE FILLED WITH EXCELLENT HEALTH, ABUNDANT PROSPERITY AND MUCH, MUCH HAPPINESS ALWAYS!!!!

Rama Krishnan

+012-3208475

Your fortunes for 2014??

JoeyTicket

Opportunity to see what’s in store for you for year 2014 renowned Chinese Metaphysics consultant

Date: 23rd Feb 2014

Tickets at RM10/-  only. Contact me on how you can get this for yourself

HURRY! LIMITED TICKETS LEFT

JoeyFlyer

Another community project by Zurich Insurance

RAMA KRISHNAN

012-3208475

1myzurich@gmail.com

Struck by stroke, stuck in S’pore

strokevictim_bgShe hasn’t slept properly in three weeks.

She cries constantly.

Mrs Poonam Jaswal’s perfect little world has fallen apart.

She came to Singapore on Nov 23 to celebrate her 27th wedding anniversary with husband Sunil Singh Jaswal.But their dream holiday turned into a nightmare when Mr Jaswal, 52, suffered a stroke on Nov 25, a day after their anniversary, and has been in the Intensive Care Unit of the neurosurgery ward in the Singapore General Hospital since.

What’s worse is that the couple from Solan in Himachal Pradesh, India, did not travel with insurance. And the hospital bill has already run up to a whopping $42,000.

The Jaswals’ only child, 25-year- old Svaneel, arrived in Singapore on Nov 26, bringing along whatever money she could arrange.The mother and daughter have spent the last 21 days in the corridors of the hospital since they don’t have any relatives or friends in Singapore……………..

……………..”Miss Svaneel says the family has reached breaking point: “We are so helpless at the moment. The lack of money is crippling. My mum is completely shattered.”

She has approached the Indian High Commission for help and claims “they’ve been very kind to us and assured that they would provide whatever help they can”.

In the meantime, the Indian Women’s Association Singapore has offered to channel help to the family.Its president Subina Khaneja told tabla! that readers wanting to help could write to the IWA at community@iwasingapore.org and it will facilitate the assistance.

Read more at ASIAONE Your Health here

There 3 ways how money can be gotten”-

1) Man at work    2) Money at work      3) Charity at work

The insurance premium would have been a pittance compared to the medical bills now. Even no claims were made, as almost certainly that would have been the case most often, how much loss would one incur compared to money we are spending a holiday, especially one overseas?

An insurance would have provided the much needed money to enjoy the best medical attention. Now charity has to go to work to assisted the afflicted

Read another story on how a holiday can go wrong

Boy mauled by monkey  may be permanently disabled

RAMA KRISHNAN

+6012-3208475

RON95 to be available only for the poor, says Ku Nan

ron-95-petrol

“Federal Territories Minister Datuk Seri Tengku Adnan Tengku Mansor (pic) said Putrajaya will announce a new mechanism to enable the subsidised price of RON95 fuel to be only for the poor.

In announcing this yesterday, he said the new pricing policy will most probably take effect in May or June.

“We want to impose the increase to only those who can afford it,” Tengku Adnan said, adding that someone who drives a Toyota Alphard or Mercedes-Benz may still use RON95.”……………

……..””We are doing this for Malaysia’s future. Although Putrajaya could adopt a populist approach and solve today’s problems, we would end up destroying our future as a nation,” Tengku Adnan said.”

Read more here at The Malaysian Insider

The writings are on the wall. Either we wait for things to happen before we act, or act before things really happen.

It during difficult economic times do the “wealthy” manage to pick up bargains at the expense of the “not so wealthy”

We have to decide if we want to be “wealthy” or “not so wealthy”.

Contact me to find out how you can create wealth for yourself, while helping others to create and protect their wealth

RAMA KRISHNAN

+6012-3208475

Gold Target Cut by Morgan Stanley Seeing ‘More Pain to Come’

goldGold will extend declines this year as gains in equity markets reduce the need for haven assets and increased regulation hurts risk appetite, according to Morgan Stanley, which lowered its bullion forecasts.

The 2014 target was cut 12 percent to $1,160 an ounce and the prediction for 2015 reduced 13 percent to $1,138, analysts Peter Richardson and Joel Crane wrote in a report today. Gold remains under pressure as the global recovery gains traction, increasing the risk of higher interest rates, they wrote.

Bullion’s 12-year bull run ended in 2013“…………………………….

Read more here on Bloomberg

Everybody was swearing by gold as the best investment until it turned stale last year. Maybe it is time to relook at your investments and consider investing in Mutuals or Investment Link Life Insurance. Of course Investment Link Life Insurance gives you an advantage over Mutual in that there is the insurance that no other investment can give.

Do you know that in the event you were diagnosed to be suffering from one of 36 Critical Illness, you have the opportunity to:-
* Get a Lump Sum payment
* Allow other coverages like the “NOW VERY IMPORTANT” HOSPITAL & SURGICAL Insurance to carry on
* your investment can still grow, especially now that it is Zurich, that will be continuing your investment payment on YOUR behalf?
 
Call me to find out more on how you can enable yourself growth in your investments while enjoying Insurance Protection
 
RAMA KRISHNAN
+6012-3208475

70% of employees plan to leave their jobs, says survey

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JANUARY 22, 2014

Nearly seven in 10 employees are looking to leave their jobs this year for better careers, a survey found.

Malaysians are not just switching jobs to boost their careers but the decision to leave also hinged on “uncompetitive salary” (55%), “lack of recognition at the workplace” (35%) and “lack of trust in senior leaders” (21%), revealed the 2013/2014 Randstad World of Work Report.

“It is important that employers understand what motivates their employees and engage with these motivations.

 “This will help business leaders inspire their staff to perform at their best, remain in the company and protect very valuable intellectual property,” said Jasmin Kaur, director of Randstad Malaysia.
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If you are contemplating leaving your job now, perhaps you may not need to do so YET.
What might be more assuring would be a steady income from an alternative source
where it is YOU who writes your increments and bonuses
In the beginning and working part-time, holding two jobs might seem difficult, but eventually nothing beats:-
– FLEXI HOURS WORK-LIFE
– WRITING YOUR OWN PAYCHECKS & INCREMENTS
– ENHANCING YOUR LIFESTYLE AND THAT OF YOUR FAMILY
– CREATING YOUR OWN RETIREMENT FUND
– OPPORTUNITY TO MEET ALMOST ANYONE AND EVERYONE
– WINNING PAID HOLIDAYS AND OTHER INCENTIVES
– GROWING IN KNOWLEDGE & SKILLS IN AREAS OF LAW, PYSCHOLOGY, BUSINESS, FINANCE and everything else.
Call me to find out how the world of Insurance & Financial Planning can help you, and those whose lives you touch, lead better lives
RAMA KRISHNAN
+6012-3208475

The POWER of a TEAM

Dr Stephen R. Covey  says:- “Together, they can produce far better results that they could individually. Synergy lets us discover jointly things we are much less likely to discover by ourselves. It is the idea that the whole is greater than the sum of the parts. One plus one equals three, or six, or sixty–you name it. “

Here is a video which suggests outcomes when we work as individuals and as a team

Youtube site

We are looking for team players. If you are game, please contact me

Rama Krishnan

+6012-3208475

Health insurance to cover all Indonesians

ST_20140113_WYMEDICAL_3996567e

“…The landmark programme launched on Dec 31 could prove to be a key legacy of President Susilo Bambang Yudhoyono’s administration in his final year in office. It currently covers 121.6 million poor and unemployed Indonesians and public servants, and will be compulsory for all 250 million Indonesians by January 2019”

….”The scheme will assure lower-income Indonesians such as Mr Paimin of free outpatient and Class III treatment – the lowest category of care in Singapore and other countries – at hospitals and clinics for a mere 25,500 rupiah a month. The bottom third of citizens – some 86.4 million who fall below or close to the poverty line – are exempt from the premiums. Another 35.2 million, including civil servants, soldiers and policemen, will also be included in the scheme, bringing the number of insured to 121.6 million. Coverage is meant to be comprehensive. It covers birth and maternity cases, as well as those who are already ill or getting treatment. But, it is basic.

“….Dr Nafsiah said officials can use easy-to-understand approaches to get the message out: “Last time when we fell very ill, our whole family donated money. But with BPJS, everyone across Indonesia becomes family. They will pay your medical expenses when you are ill. This is the way we explain how insurance works.” ”

Read full article here

The young do get breast cancer

icymi1101143

SYMPTOMS OFTEN DISMISSED

While it is true that the risk of breast cancer increases with age, younger women are not spared.

In fact, 10 to 13 per cent of breast cancer patients here are below 40 years old. These young women are not recommended for routine breast cancer screening, because mammograms are less sensitive in picking up cancer in dense, young breast tissue than in older breasts.

For young women, breast self-examination with the aim of detecting symptoms, such as breast lumps or unusual nipple discharge, is typically the key to early diagnosis.

However, many young women and doctors tend to dismiss these early warning signs, because they believe the women are too young to contract breast cancer.

Hence, delays in diagnosis are all too common.

In addition, breast cancer in young women is more likely to be aggressive, high grade and unresponsive to hormonal treatment.

A combination of these factors result in poorer survival rates for young women with breast cancer than those for older women.

Doctors are typically confronted with otherwise healthy patients facing a life-threatening disease.

Read Full Article here

Rama Krishnan

+6012-3208475

 

As living costs spike, more Malaysians seek help from debt counselling centre

Reason for Debt……..”Johan, who works in information technology, and Diana (not their real names) ended up at the AKPK counselling centre in Kuala Lumpur after finding themselves knee-deep in debts.

With two children to support, they are their wits’ end as the banks have started calling in their loans. The couple realised that they would not be able to pay off their debts with Johan’s monthly salary of RM2,000.

“We have two car loans and credit card debts of more than RM20,000. Every month, we are expected to pay more than RM1,500 to the banks, which we obviously cannot afford,” Johan told The Malaysian Insider.

Diana stopped working early last year to continue her studies. They thought they could manage with one salary, but the cut in fuel subsidy in September hit them hard.

They claimed the fuel subsidy cut had a domino effect on their lives.

“Household items costs a lot more. We found we could not make ends meet. We moved in with my parents to cut cost but it did not help much,” he said.

The constant worry about money and their escalating debts also strained the couple’s relationship.

“We fight almost constantly about money and this has taken a toll on our marriage.

“That is why we decided to come here. We really need help,” Diana said”…………….

Read The Malaysian Insider for full story

Blogger’s comment:- The biggest challenges humans generally face is procrastination and need for instant gratification. The writing is on the wall telling us about the increasing cost of living.

Question is if we still want to remain in our comfort zone ( and enjoy instant gratification) or take action NOW ( fight procrastination)

Call me to explore options to enjoy a better lifestyle

Rama Krishnan

+6012-320 8475