Saturday, August 29, 2009

THE LAST DAY OF AUGUST

31/08/09, Monday could be a very crucial day for some of those who are in the run for A & H Challenge! Personally, on that day, I will have to hound on the NB Dept for some outstanding cases that need to be considered for my total points. Let us all "Jia You"! Will like to use the thought from Zinc's recent article: "If you think you can, you will win!". Ole! Ole!

Saturday, August 22, 2009

FRAGILITY OF LIFE

It has been realised that there are many things that can go above life:

. An ant, will be no more when stepped on.
. A bucket of live fishES and prawns, when poured with boiling water, they are finished.
. Herds of pigs, goats and cows, they are awating to be slaughtered once they are borne.
. As for a man, it will be over when run over by a vehicle.
. Two people when standing below a building, an object dropped from height will crush through them.

Lives will just pass away in matter of seconds.

When things do not happen to oneself, it is always not seen or realised and taken for granted. Just like car accidents, for a bigger country, the daily deaths could be equivalent to a dropping down of a Boeing plane. If an airplane were to drop everyday, then it is frightening. As to having car accident daily, it seems to be ought to.

People tend to have a wrong concept that insurance is to protect life which is untrue. Actually there is nothing in this world can protect life! When faced with disasters, insurance is only a form of protection, rather put it in simple term: "there is A value in every life" which means one should not just simply die. A dead life should leave behind with one's relatives some consolations and compensations. So people should not always say things like, "I am strong and healthy", "I have no sickness and disasters" and if they do not know "Respect and be afraid of diasters", "Beware of disasters", "Preventing disasters", then their lives are just like pieces of meat that will be wiped out by any risk. This is just no difference from "Chickens, ducks, fish and prawns", "pigs, horses,cows and goats"! Haha!!

Wednesday, August 19, 2009

PROBLEM OF TOO MUCH OVERWEIGHT

For the past months, my sales are in the Health related plans and especially very much overweight on the PruShield recently in view of the A&H Challenge. Given the Demography of my clients, they are of the higher age and subject to the weathering, they may have CAL most of the time. At this crucial moments, CAL can be killing if not done in time. This is what I am facing now especially with the recent hiccups with the New Business Dept. Although I have chalked up the points theoretically, but as how will be the final outcome, I have not much clue either.

So need to change the strategy to look for sales of other health plans fast as PruShield's game is basically over for the time being. Haha! Anyway will still fight hard till the last day loh! Let us all jia you and see each other in Seoul together!! Hehe!

Monday, July 27, 2009

100,000 Women Lack Medishield & Vital to join MediShield

That was the Headline flashed in the yesterday's Sunday Times. About 100,000 women in Singapore do not have Medishield insurance coverage and risk having to shoulder hefty medical Bills. They are mainly housewives with no medisave savings. Such women are noted for being not covered either due to "pure ignorance or when their coverage lapses over time.It was brought up in the NTUC forum as "Even as we live longer and need more health care, we have lesser means to pay for them."

NTUC intends to reach out to this group to encourage women to sign up for the Medishield. It was also brought upwomen with no Medishield coverage are probably uninformed or unwillimg to strain family relations by asking their family to get them onto the scheme. It was suggested that monthly contributions by husbands to their wives' CPF accounts must become a social norm or be regulated.

On the same day, there was another article whereby the Health Minister , Mr. Khaw Boon Wan has stressed that it is vital to join Medishield. He related a recent case whereby a man whose father had to be warded after being infected by H1N1 virus. In fact he was admitted to a hospital's intensive care unit, where charges are higher. However there was never a word about how the family can't afford to pay, although he has come from a family with average income. They have Medisave and Medishield coverage and thus no problems with paying the hospital bills.

This. Mr. Khaw said, underscored the importance of insurance scheme. "Imagine without Medishield and Medisave, a few thousand dollars become impossible to pay...but to benefit from it, you must be in it," he said, urging Singaporeans, especially the self-employed, to sign up.

We should just ride on the recent development of the H1N1 virus, lack of MediShield by housewives as well as the Health Minister's comments to influence more people to take up our PruShield + Extra! It is never a better time than this!! Haha!

Opportunity ??

Noticed an article in Zhaobao Weekly No 1125 dated 19/07/09 mentioning that there is a possibility that Singapore may carry out a nationwide campaign on "Occult Blood Test In Faeces" in 2010. The target group is at the older age people and people who have symptoms so as to encourage them to have early medical examinations and treatment.


Those citizens whose age have reached 50 years old and above, regardless of their sex will have to collect the testing kit from designated centres, free of charge. From an estimation, the number from this group of people who will benefit from this exercise will total up to 400,000.


Colon cancer has been found to be the major cancer associated with people in Singapore. According to the statistical records, the annual average figure has been more than 1,200 cases, ie. there are 4 persons confirm to have colon cancer everyday.


We need to keep this group of people be informed of the situation. With the waiting period required for critical illness being 90 days for most policies, it maybe a good opportunity to start selling Package Plans with Critical Illness Cover to this group of people in time!!

Thursday, July 9, 2009

WHAT IS AN S-PASS?

Just reproducing the gist of the article on Straits Times (July, 5 2009) on S-Pass:

WHAT IS AN S-PASS?
  • The S-Pass is for semi-skilled foreigners who earn a fixed monthly salary of at least $1,800. (Foreign workers eligible for the S-Pass must be semi-skilled diploma or post-secondary holders earning at least $1,800).
  • Applicants are assessed on a point system, taking into account multiple criteria, including salary, educational qualifications, skills, job type and work experience.
  • S-Pass applicants accumulate point as based on how well they meet these criteria.
  • The criteria for S-Pass holders has been raised since June 1. The Ministry of Manpower (MOM) has recalibrated the points allocated in each criterion to encourage employers to employ better qualified S-Pass holders.
  • The limit on the proportion of S-Pass holders that firms can employ remains unchanged at 25 percent.
As of December 2008, there were about 74,000 S-Pass holders.

Wednesday, July 8, 2009

Some Good Advice

Just got these few advice while reading the foreward by Robert Kiyosaki on the book "$ales Dogs" by Blair Singer:


Manipulation, deception, pressure, false sincerity, phony smiles, is NOT selling.


Selling is communication. True selling is caring, listening, solving problems and serving your fellow human being.


To rich dad, selling meant being able to overcome our personal doubts, fears and wants, and going out day after day with only the idea of serving our fellow human beings.


"True selling or communication is not about how many sales you make or how big your commission cheque is. True selling means being passionate about your company's product or service and being compassionate with the wants, dreams and needs of your fellow human beings."


The Golden Rule - Law of Reciprocity


Your sales ability was not measured by the size of your commission cheque. Instead he said, " Keep improving your ability to sell and to communicate, and your life will improve if you use your skill to help other people."

"Your wealth, your power and your happiness improve with your ability to communicate. It is the most important skill in the world of business and in life. Keep improving your communication skills, use your skills to improve the lives of others, and your life will also improve!

Well said!!

Hope that these will also enlighten all our family members too!



Tuesday, June 16, 2009

MIND YOUR OWN BUSINESS (II)

I am rather surprised to find very few things have been written on the blogs from those participants at the recent Roadshow at Dhoby Ghaut. As this is a very good occasion for skill improvement as well as strategies to bring your business to the next level, but sad to find that except for the very few, not much people seemed to be excited to tell their stories.

However, if your mindset has yet to be that you are the owner of your own business and that business needs to be managed by your own, then you may find that there is nothing to be excited about and carry on with doing the things you are most comfortable with. Understanding that for some, this may take time, but you have also need to understand that time waits for no man!

Saturday, May 23, 2009

MIND YOUR OWN BUSINESS

Hi, it is again another weekend for Soul Seeking as well as recapturing things done in the past week! So die, die must writing something for everyone lah! Hoho!


Here it goes! Could be a lengthy one again! Hehe!


There was this consultant speaking to a group of financial consultants of an insurance company. He asked them two questions:


1. Do you know what you are doing now?


2. Do you know what type of platform you are having?


Although the answers to these questions are relatively simple, he was very surprised to be unable to be given the correct answers..


The first answer is: To manage my own business.


As the second question was focused on insurance industry, the answer consists of 3 parts:


1. To be an agent for a strong branded product

2. To have a peace of mind for the service to be provided to the clients

3. All the resources are at my service

Incidentally, these three factors are the signficant characteristics of this company, or its advantageous edge over its competitors but these financial cionsultants were not able to answer them ( or rather put in other way that these people did not know how to make use of their advantages).

He strongly believed that doing insurance should be one's own business. Regardless of how much effort the insurance company has put in to manage its agents, be it in the field of training, motivation, competitions, testimonies, etc, and many various methods, the managing of insurance is still to be the financial consultant 's own business.

As can be seen, the management personnels in an Insurance company are always seen as holding a whip and through various means and planning have been whipping them. This has led to these people to be placed in a whirlpool from the very beginning and have no opportunity to have a cool and clear mind.

Insurance, being a business needs to be managed and management depend on intelligence, professionalism, also required are proper sense and coolness. Minding business involves management and service, but whether it is management or service, you will need to develop the business spirit. Respecting your business is the root, technicalities are skills, while service is business moral, and your income should be the rewards.

So doing insurance is minding your own business. This is quite similar to making sales of health products or cosmetics. Because of its peculiarity of the insurance products, the clients need to pay long term premiums, and thus they will have to rely on the stability of the brand as well as the trustworthiness and the standard of the service. As such, it is very necessary to look at the correct product, its service platform and then go out and sell.

As financial consultant selling insurance plans, you will only let the company "controls" you, but deep in your mind you will have to remember and acknowledge that you are minding your own business, and this is the key point! For expansion of the business, you do not need to rely on encouragements, competitions or promotion activities, but that you will manage the business for "you have chosen to sell insurance!". So three to five years down the road, there will be another one more "BOSS" in the industry!

If you have read the book on "Rich Dad, Poor Dad" by Mr. Robert Kiyosaki, you will recollect that he has also said such thing! It is very important for everyone of us to have this mindset and manage your own business correctly! You will be what you have done to yourself!

I strongly believe that we are already having all these favourable factors. So three to five years down the road, we should have another few "Bosses" from our family! Keke! (But with a serious face!)

Tuesday, May 19, 2009

12345

Consider the followings:

1. Dare to take the ONE step?
2. To (Two) invest reasonable time and;
3. THREE hundred SDR
4. For (FOUR) learning the art to keep you fit and healthy as well as strong MINDSET;
5. To fight (FIVE) the world of Negativity & Diseases.

Sounds like an advertisement, right? Haha! Seriously, this is NOT!! However with this valuable step taken, you will gain tremendous rewards for yourself for your whole life!! Learn from the Internet website on REIKI Healing! I do not want to elaborate this further but want you people to find out for yourself and then it is up to the individual to decide for oneself on the matter!

Always remember that to stay fit and healthy at all times is a pre-requisite for all to enable us to go around to see people for biz. Of course, we will also need to have sufficient rest at the correct time lah! Once we are equipped with this asset and POSITIVE MINDSET, we are "Ho Seh Liao!" Haha!

Strongly recommended for people to probe into the internet for "REIKI HEALING" to have a better understanding of the matter. However, there is also this disclaimer that you are responsible for the action taken for the 12345! Haha!

We can always share the subject abit at the end of Friday's meeting! Haha! HAPPY RESEARCH!!

Friday, May 15, 2009

FOOD FOR THOUGHT

Ever thought of not seeking any help from other people? It is pretty difficult! Everything or help can be sought from other people, but not with MONEY! When it comes to talking about help for MONEY, the relation will sour up, rigidified, becomes remote or even dead.

Let us look at on what matter will one cry for help for MONEY.

Generally speaking, when buying a house will need money but it isn't urgent so there is no necessity to borrow money. Buying a car is neither urgent especially when petrol prices are increasing rapidly. Preparation for marriage will need money but as it is a happy matter, friends and relatives will be quite glad to chip in and so the matter could probably solve by itself.

So considering all these, there are only few situations whereby people will ask the help for MONEY. One is when one is robbed unfortunately and completely in a foreign country and only left with a dear life. He will be completely helpless but will require MONEY urgently, hoping to meet someone who can give him some money and to send him home. Is there such person in existence?? As long you are not a very notorious person, probably people will still extend their help to chip in for some cash. However, for the purpose to return home, then it is your own PASAR! The second one is to meet with an accident regardless of the time and place, especially at the verge of death and great pain, Hospitalization bills, rescue fees can be exorbitant! Where to find so much MONEY????

So going around to look for MONEY here and there just to make the figures meet, and the results will be cold eyes, cold face, cold doors and cold shoulders! This will make one to awake and realise and swear that if one were to strike rich, he will have to purchase sufficient insurance!!

This is what we mean by "You will only drop tears when you see the coffin"!

If time can be tuned back, then that person who has made the swearing would have bought sufficient insurance, and any of the abovementioned difficult tasks will be easily solved. For example, if met with robbery, even without any pants, he can always call on the travel insurance company and he will be comfortably sent back home. Another example if he were to meet with an accident, by dialling the Emergency number, all the medical personnel as well as the hospital and doctor will be there to receive and treat him with smiling faces. These would have alleviated him and to be treated like king!

There is always a position for live and that depends how one position himself. MONEY, too has its position, and if wrongly placed, its value will be cheap. For example if you put it into the bank to earn the miserable little interest, (especially when the interest rates keep falling) you will be punished. If you put the money into the stock market, your heartbeat will move like a Roller Coaster and the chance of having illness is very great. If you were to hoard the money under the pillow, you will be worried about robbery and fire!

So it is only right for you to invest with your capital correctly and that is to BUY INSURANCE!! Haha!

Tuesday, May 12, 2009

La KOPI

Congratulations to those who had attended the session to la kopi with Philip this morning. Hahah!

Were you able to order the things to your wish? Hehe!

You may thought that this is just a la kopi session, but I believe Philip is getting closer to all of you to have a better assessment of you people! Hoho!

Hope that you are able to pick up something from him and once again, CONGRATULATIONS, Guys!!!

Sunday, May 10, 2009

GIVE HELP ONLY WHEN IT IS NEEDED!

This morning when I left the carpark at about 7.00 am, I saw a car with its front lights glaring into the air. So down in the heart I was thinking "OMG, this driver will have his car battery flat in no time if he had parked it there since midnight!"

Then in the afternoon at about 12.30pm when I was back, AN AA service car was there and there I found my neighbour talking to the repairman. Out of good will, I greeted my neighbour and informed him that his car's front lights were on the whole night and that could caused his battery to be flat. To my surprise, he was laughing aloud and then told me that by doing so, I have caused him to lose S$140 as the repairman has just agreed to replace for him a new battery free of charge as the battery is still under warranty. OMG, what have I done to this dear neighbour! If I had not talked to him, things would not have ended in such awkward way!

The moral of the story is :

If it is possible, always try to find out the situation before offering help, otherwise it could turn out to be more disasterous than desired. Haha!