DEBT CANCELLATION

" Let your LOVE ones inherit your LOVE,
NOT your DEBTS."

Hello Everyone, 

Today i went for a interesting talk in Great Eastern. The presenter had discussed how a proper financial planning can provide debts cancellation features.

Every family has the basic commitment such as mortgage loans, business loans, car loans, family daily expenses, education expenses and others. Therefore, the monthly consistent income from the family key-man is very important. 

Let me ask you a few questions, 

1. Do you think that consistent income or cash flow is very important? 

2. Do you think that when some bad event happened, do your financial strength or savings able to provide continuous cash flow to the family? 

3. Who else beside yourself, can provide or help you by providing the funds needed to solves the bad events? list 3 of your best friends that in your thought that can help you.

4. Try to call them now, and ask what if the bad event happened, can they lend you RM100,000 to solve the  bad event?

I am afraid that maybe not all the friends in your thought could lend their hand to you because they all have own family commitments as well. 

So, what else can we do if we cannot promise a consistence cash flow to the family members if anything bad happened to us? 

A Debts Cancellation & Protection Planning

As a responsible husband/ wife/ parent, you probably have certain financial obligation that you need to fulfill every month. For instance, monthly payments on your mortgage or car loan.

If you were critically ill or disable, would your family be able to cope with making the payments on your loans, and take care of you at the same time? 

Is it possible that you and your family might lose everything, including the roof over your heads? And if you were to meet with an unfortunate event, what would your family be left with after all your debts are cleared?

Great Eastern has a solution for you. 

We make sure that you and your family will be protected should the unexpected ever happen. This means your family will have a home and not have to worry about paying off a huge debt while dealing with the emotional and financial implications of the situation. 

Let me share with you how this work? 

012-394 3626

Hansen

    

缴费的痛苦 vs 生病的尊严

WHAT YOU AFFORDABLE IS INSURANCE PREMIUM,

WHAT YOU NOT AFFORDABLE IS MEDICAL BILLS,

WHICH PAYMENT WOULD YOU PREFER?

许多人都会说 ：

“哎呀，现在还年轻不需要保险！”

“哎呀，现在还没足够的金钱买保险！”

“哎呀，我觉得我的银行里已有足够的钱来应付！”

“哎呀，我的父母在我小时已经为我买了足够的保险了！”

哎呀....哎呀....等等

我们总是在找借口避开了业务们的热诚向你推荐最完善的医疗寿险计划。
但是如果有一天生病了，才会想起当初为何没好好计划一份医疗险，是否太迟了呢？

大家要注意了，医疗险不是人人都可以买的！
如果你现在已经患有疾病，糖尿病，高血压以及拥有其他病历，很抱歉，你很可能已经失去了计划一份医疗保险的机会了．．．

我们说我们还年轻，暂时不需要，但是不怕一万怕万一！疾病不能预知，如果没有好好准备一份能为你提供到你８０岁的医疗费用的医疗险，很抱歉！你已经没机会再计划了！

我们说我没有足够钱来买医疗险，如果还是学生还能理解，但是如果你已经是拥有稳定收入的年轻一族，我觉得您的财务规划是否要从新规划检讨呢？因为在今天年轻人的保费一天只需要从RM1.30　起就能得到一张价值 RM360,000　的医疗卡！如果今天你还没有医疗卡，受苦的并不是你一个，您的父母可能需要为你付昂贵的医疗费。

我们说我们已经有足够的钱来应付，但是试问一句，你辛苦赚来的钱就在一瞬间完全交给了一位素未谋面的医生，你会觉得值得吗？如果有一张医疗卡，你的存款依然能在你的银行里保持不变！

父母已经在你童年时为你规划好了。恭喜你，你好幸运幸福，父母在孩子小时候为他们规划是应该的责任，但是请问小时候的衣服现在还能穿吗？我们幼时所定下的保单是依据当时的医疗费所设计的，现在的医疗费已不是往前的简单便宜，是否需要检查您的医疗卡值多少呢？是否能为你缴清未来的几十年突然而来的费用呢？这自身责任现在是否已要您的扛起了呢？

现在医疗卡并不昂贵，昂贵的是您对您的医疗险规划心态。

你要拥有多少倍尝是你今天的决定！

你必须住几天医院是老天的决定！

这是是２００７年的割盲肠手术的医疗费用，才住５天就花了１万，但是有了医疗卡，只需要付10%就能轻松的接受治疗出院，当年的医疗费用与现在相比，你真的认真想通了吗？

想知道更多，请联络或留言　 0123943626 or  tsh90@msn.com



Written by,
Hansen

Save Young! BUT SAVE SMART!

Hello Everyone,

We were told to save more money since childhood time. This beautiful habits has to be trained and maintain when we are young. However, we need to choose the right way and the SMARTEST portal in order to make sure the savings can generate ATTRACTIVE RETURNS in years to come!  First of all, ask yourself,

Do you think your savings today will enough for your future children's educations and the coming retirement days ?
Do you think you savings today will enough for the unexpected circumstances such as medical bills, unfortunate events?
Do you think you savings today will enough for your loves one IF anything unfortunate events happen to you?
and..
What IF there is a way to make sure your savings today will generate more returns compare to savings that you saved in banks and at the same time, provide you with attractive protections and compensations if unfortunate and critical illness events happened to you?

i saw this interesting picture from Facebook today,
杜汶泽(Chapman To), Famous actor from Hong Kong, said

1) What is BANK? Let me tell you

2) If you owe BANK RM5, your debts plus interest become RM694 in 5 YEARS TIME

3) SO u choose to save RM5 in BANK, think of one day the savings will turns RM694, but it need 2650 YEARS LATER.

So what is the message he trying to translate to us? BANK is a right place to put money for sure and that the truth for flexible to withdrawn and earn interest. However, how much interest a bank would offer for your RM5 savings a day? unfortunately, the rate of return was so unattractive! ( except you have a RM10, 000 above to deposit into a fixed deposit account, then the rate would be 3% above.)  

Save young but SAVE SMART, 

IF we choose not to save RM 5 from today, we will never achieve the target savings return in years later.

However, in order to make sure the target savings return will achieve one day later, it need discipline savings attitude. So, BANK provided a portal to make sure the deposited monies will maintain in bank for a period and cannot be withdrawn which is call the fixed deposit account. Unfortunately, the 3% returns on savings only happen if you have more than RM10,000 to put in a fixed deposit account. So, what if you desired the 3% above returns, but do not have such a big capital to put into the fixed deposit account at the moment? 

DONT WORRY, 

So if you has the habit to save RM 5 per day, Great Eastern actually launched a new saving plan which will generate a rate of return (5%-7%!!) which are more than your interest per day on your savings in bank.

In addition, GE also provide benefits and protections to you with the minimum RM 5 savings per day which bank would not offer!

"SMALL CAPITAL BUT BIG RETURNS" 
That is what we need!


For more Info, please call or message 012 394 3626 or email to tsh90@msn.com.

Written by,
Hansen

你认为已拥有足够的准备？

大家好，

这个网页主要的目的是与大家分享关于财富计划的心得，我们人生漫长一段路，只希望每天能继续的健康地在这个人生道路上继续为生活目标与致爱的家人努力奋斗。能够让家人们舒舒服服的在一间自己建立起来的家与享受优质的生活一直是大家的梦想。给与一起在为同样的目标努力当中的朋友，这里给你一个赞！

想要达成目标，财务规划当然不能少。年青人一族的想法当然希望能尽快达到理想的生活，每天的拼着命工作赚钱养家，这种观念就是最典型的。每个月有养成自我规律的在银行里储蓄的当然会在一个期限里达成理想的财富。但是是否有想过人生道路上充满了许多预想不到的事？

"不怕一万只怕万一", 这是古时就开始警惕我们一定要凡是机警，做好准备迎接突然而来的麻烦。为什么寿险行业会出现在这个社会呢？香港首富李嘉诚对寿险说过一句话

“我一直是人寿保险的信仰者，即使一个穷人，也可以用寿险来建立一笔资产，他可以感受到真正的满足。因为他知道，倘若有任何事件发生，他的家庭也可受到保障。（李嘉诚）”

在此，电影界名人周润发也对寿险给了一些看法

“人生最大的凄凉：莫过于退休的时候才发现自己没有一笔足够的生活费  

 人生最大的悲哀：莫过于弥留之际才发现自己没有留给家人足够的生活费  

 人生最大的无奈：莫过于儿女成长的时候才发现没有给他们准备足够的教育费  

 人生最大的悔事：莫过于当意外发生时才后悔没及早参加一份保险 （周润发）”

许多人对寿险感到非常抗拒，这是能理解的。因为一个正常人对现在的状况感到安稳，拥有健康，财务上稳定，还为什么需要到保险？！但是，是否有想过一旦任何一件让你感到意外的事会让你拥有的瞬间失去了一切？例如，一旦发现了健康出现了问题，辛辛苦苦存回来的钱就这样送给了医生，钱没了可以赚过，可是如果是大病一场而且会影响到工作呢？老板还会雇佣一位失去工作能力的员工吗？此刻想再去努力赚钱都有心无力了。

如果我们能未雨绸缪，让自己会提早在安稳时提前感到危机意识，一切结果都会改变。能把自身危机转移到一个能让你保住财富又能解决一切医疗上的费用，除了为自己提前在健康时立下的一个完善的财富规划，还有其他的方法吗？当大难来临，我们有足够的防卫能抵抗一切财务上的负担，而且不需要麻烦到亲友，不是更能让自己对财务规划上的理念得到肯定吗？

一份财务规划无论是单单一张医药卡，保障计划，储蓄计划与退休计划都是要在健康与有机会能了解时为自己所定下的。这就是为什么寿险会出现在这个社会，目的就是要为人们的将来作出最完善的规划并且在晚年是拥有一个完善的生活。

能为自己规划完善的财富计划是一件很重要的事，想为自己拥有一份危机转移的规划和想了解更多可以联络我。

名人对寿险的看法

http://quick.xiangrikui.com/blog/235217.html

Written by,

Hansen 

0123943626