Kota Baru hospital detects breast cancer in 6-year-old – Bernama

Breast Cancer

Hospital Raja Perempuan Zainab II (HRPZ) has detected breast cancer in a six-year-old girl.

HRPZ Breast and Endocrine consultant surgeon and department head Dr Imi Sairi Ab Hadi said the patient from Pantai Cahaya Bulan in Kota Baru was diagnosed with a lump measuring two centimetres on her breast in October last year.

“An operation was done to remove the lump and she is now required to receive treatment every month.

“Nevertheless we believe it can be treated as it is still at the first stage and possibly due to a genetic factor,” he told reporters in Kota Baru today.

He said breast cancer was the leading cause of death for women in Malaysia, but in Kelantan breast cancer based on both genders, is the second most fatal after colon cancer…………………..

Read more at The Malaysian Insider

Is anybody too young to worry about critical illness? The above article is food for thought

Contact me if you want solutions that provide money to possibly help you live longer and healthier.

Ask about our fascinating TRUE LADY programme!!

Rama Krishnan

+6012-3208475

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

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

Health insurance to cover all Indonesians

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“…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

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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

More Malaysians to be declared bankrupt, says daily

MARKET9_540_360_100“The number of bankrupts in Malaysia is expected to rise following the recent price hikes in electricity tariffs and other household goods, as well as the removal of sugar and fuel subsidies.

Singapore’s Straits Times reported today that last year, more than 60 people were declared bankrupt daily until September, with the figures up from 53 people a day in 2012.”

………”Credit card debt has gone up. The amount owed to banks for longer than six months to November last year stood at RM426.4 million, compared with RM402 million in the same period in 2012, the daily said.

Credit Counselling and Debt Management Agency (AKPK) chief executive officer Koid Swee Lian said credit card users also “have themselves to blame”.

“In Malaysia, only about half of the credit cardholders pay above the minimum required amount of 5% of total owed to banks each month, whereas in Japan and Korea, it is 89% and 87% respectively,” she said.”

………..”It also highlighted the plight of a 26-year-old salesman who is now struggling to pay off a RM10,000 loan he had taken to foot hospital bills following an accident. He earns RM 2,300 and has no credit cards and he, too, is seeking help from AKPK.

“People like us just don’t earn enough,” he said. “Even insurance is a luxury.”

Read more from Malaysian Insider

Presently, tightening your belt may be necessary, under the present circumstances,

But perhaps it may be time to actually seriously think about increasing your income?

Call me for more information about how you can work with

just about the best financial institution in town

Rama Krishnan

+6012-320 8475

How to waste £10,000 on life cover

st-money-scamBuying a life insurance policy from a bank or building society could mean   wasting tens of thousands of pounds.

That is because lenders – without telling the customer – add their own markup   of as much as 50pc to the price available elsewhere. Even going direct to   the insurer will, bizarrely, sometimes end up costing policyholders far   more.

The difference between the best and worst prices for the same cover, if you   add up the premiums over the term of the policy, can run to many thousands   of pounds.

So where is the best place to buy your policy?

Read full article here

Comment from the Sales Adviser, yours truly  ” Well, this seems to be in the British context. How it is in the Malaysian scenario, I’ve yet to be updated. What is important is that your whole life could be riding on how well you secure yourself financially…” 

Rama Krishnan

+6012-320 8475

Protect yourself from the cost of serious illness

 

cancer………”The choice between the two depends a good deal on whether you   are a man or a woman. Around 75pc to 85pc of critical illness claims from   women across the industry as a whole are for cancer, and about half of these   are for breast cancer, but the proportion of men claiming for cancer is more   like 45pc because they are much more prone to cardiovascular and other   conditions.”…….

………Another option worth considering is income protection, which pays a regular   income in the event of being unable to work because of long-term sickness or   disability………….

Read full article here

Rama Krishnan

+6012-320 8475

Maternity & Children Expo @ Midvalley

Come one, come all to the hottest Maternity & Children Expo at Midvalley

Date : 22/11/13 to 24/11/13

Time:- 10.00 am to 9.00 pm

Why? Lots and lots of goodies to be won and also gotten free or on promotional prices

Maternity expo posterMore info here http://www.tce.com.my/baby/

Rama Krishnan

+6012-320 8475