She is superstitious!

William is a caring son, who has effected a medical insurance for his mother quite recently. Within a short period after the policy was delivered to her, the mother had a very nasty domestic accident. While cooking at home, she accidentally fell over a hotly boiled soup. Both her tights were badly injured and burned. Her movement was restricted with so much of discomfort and inconvenient. Before she could fully recover from these wounds, last night William informed me her mum was admitted to the hospital again. She needed a minor surgery to remove a sharp pointed fish bone which penetrated into one of her index finger. What an accident! I had heard of fish bone got stuck in the throat or mouth but never with finger.

Over the phone William said, "My mother complained when I wasn't caring for her. Now that I had purchased a medical plan to take care of her welfare and health, she again complained. To be an obedient son isn't easy!"

According to her mother who is a typical housewife, she had not admitted to hospital before in her lives. Before having this insurance, she never had any accident or bad experience of such. However today when the insurance was bought for her by the son, she claimed bad luck as bestowed upon her. It was unlucky for her to have two nasty accidents happening so close together at home. As a superstitious lady, she insisted this is bad luck.

Whether is bad luck or good, all the expensive medical charges were paid by the insurance. I am sure, the son is happy that the policy was there to take care for his mother medical needs. Whereas the mother is an unhappy and an unsatisfied customer who believes in superstition. For the one who is reading my blog now...may I ask, "Is she lucky or unlucky?"

Food for thought - "Men become superstitious, not because they have too much imagination, but because they are not aware that they have any." - George Santayana

Visualizing the needs of our clients.

Andrew is a talented office cum home designer. I introduced him to see my friend who has the interest to convert part of her home to a comfortable office. With a good listening ears and an opened mind, he came back within a few days to present a fantastic creative office environment for a satisfying customer. He could draw and visualize the backdrop like real, which made things easier for the lady to see. The project was immediately given to him to proceed without hesitation.

Selling life insurance works the same principle as a designer like Andrew. An effective and a professional agent, listens and to understand his prospects needs and requirements. Though he might not draw a picture of illustration for the clients to see, but with the understanding of life, he charts and programs the financial path for them. He understands the life cycle from birth to death. He knows the obstacles and constraints while moving along the journey of life. At different stages of age, he reminds his clients to take action or to change directions when necessary. He should be more far sighted than his clients, when he could visualize and dramatize their present and future financial needs. He creates immediate protection and provides solutions in the form of assurance and promises, which is worded as Life Insurance.

Food for thought - "Ordinary people believe only in the possible. Extraordinary people visualize not what is possible or probable, but rather what is impossible. And by visualizing the impossible, they begin to see it as possible." - Cherie Carter-Scott

Criticism meant to be good.

Would you like being scolded and lectured? Not Andrew! He told my friend, how he benefited from all my scolding and reprimanding for the past ten years. Andrew is one of my tenant who rented one of my property in Nilai. He was an unplanned person who was weak in time management. Those early days when I first known him, I had to go many times before I could get my rental from him. Though I could have scolded him for making false promises, I taught him to be punctual in all appointments. No business man could be successful, if he is always late in meeting. His table was unclean and untidy, making him disarranged and disorientated in thought. As he was the boss, no one darn to criticise and comment to his mistakes. Since he was my friend, I took the initiative and effort to advise and guided him from time to time. When he was not spending enough time with his family, I reminded him that happiness comes first from home. Without them, there is no purpose for doing well in business. When I saw his eyes were dull and weak, I knew his love was lacking. I encouraged him to spend a little more intimate time with his wife. Love & sex built strength and motivation.

Yes! I had scolded Andrew, who claimed he greatly appreciated my scolding and criticisms. In fact all the scoldings and criticisms were meant to be good for him. Only good friends will tell your wrongs. Today, I am proud Andrew is a successful renovation contractor. He has benefited from my teaching of life. So! The next time you are being criticised and commented, take them positively as a learning lesson. Now...I am ready to receive some comments from my sincere readers out there.

Food for thought - "Criticism is more effective when it sounds like praise". — Arnold H. Glasow.

Six Rules to make a woman happiest.

All men will be happy, if there are....

1. A woman to take care of the home. Not so difficult, either a wife or a maid would do.

2. A woman who loves to listen to her man.

3. A woman who likes to humour him. In case he is sad or unhappy.

4. A woman who loves to have sex unconditionally with him.

5. You make sure all the four women won't know each other. Then you will be the happiest man. Otherwise, have one woman who is prepared to play the role of four or three of the above.

The lady over my side whispered, "What about the woman?" I think, all women will be happy, if there are.....

1. A man who sincerely care & love her.

2. A man who is reachable at all time when she needs him.

3. A man who gives her the liberty to spend without limit with his credit cards gifted to her.

4. A man who thinks for her and making her brainless.

5. A healthy and stronger man who can sexually satisfy her to the utmost peak.

6. All the five rules are done by one single man. Then she will be the happiest woman.

Check and correct me if you are the woman who is reading my blog now.

Can this be joke - "Love is a fire. But whether it is going to warm your heart or burn your house, you can never tell" - Joan Crawford.

Tips on selling life insurance..LOVE!

Chua is a typical Chinese man who is kind and a responsible person. Though he has all the love in his heart for his wife and two growing daughters, he would not show them out openly. One word of him is, he is an 'unromantic' man. Over a lunch with him together with my little darling, he revealed there were some unpleasantness at home. The wife was under depressed due to conflict over in her office and the children were lacking the attention from the mother.

As a long serving life insurance agent, I have had seen and heard these common problems facing most married couples. Both husband & wife work, and the children were left unattended alone during the day. By the time, they were back after work, they practically were exhausted. In order to overcome this daily events and happenings, love and sex is the only solution. Love has magic and sex creates more energy, if it is done beautifully with passion.

Chua was frank to admit, all his love & sex makings with his wife were done on an impromptu situation, had sex as and when they needed it. Most of the time were done and completed unsatisfied with the other partner hanging with doubts. A beautiful sex play could be arranged if Chua was prepared to discuss matters with his wife. Suggested to him, every week there must be an appointment made day for love & sex, when there is time and privacy for the hungry and stressful couple to recharge their lost energies for the week.

Before Chua left us, little darling assisted him to sms his wife this message; "My darling wife. I am thinking of you. Want to tell you..I miss you and love you. May I date you tonight?" The next day, Chua could not believe, called to confirm that truly love has magic. He claimed such messages should have sent much earlier when the wife was so delighted and joyful to read those beautiful simple words of energy. He had dated the wife with a fixed day to make love. The day, he didn't tell me!

Tip to selling insurance; we bond families together by talking and spreading the word "love".

Try this - "The best way to pay for a lovely moment is to enjoy it. Especially today!"

Loneliness and aloneness.

I had an interesting reader who commented on my last year title, "Are you alone or lonely?" The reader wrote....

A reference from the Wisdom of OSHO's Tarot Card.

"The Discipline of Transcendence, Volume 1 Chapter 2"

When you are alone you are not alone, you are simply lonely - and there is a tremendous difference between loneliness and aloneness. When you are lonely you are thinking of the other, you are missing the other.Loneliness is a negative state. You are feeling that it would have been better if the other were there - your friend, your wife, your mother, your beloved, your husband. It would have been good if the other were there, but the other is not. Loneliness is absence of the other. Aloneness is the presence of oneself. Aloneness is very positive. It is a presence, overflowing presence. You are so full of presence that you can fill the whole universe with your presence and there is no need for anybody.

Commentary: When there is no "significant other" in our lives we can either be lonely, or enjoy the freedom that solitude brings. When we find no support among others for our deeply felt truths, we can either feel isolated and bitter, or celebrate the fact that our vision is strong enough even to survive the powerful human need for the approval of family, friends or colleagues. If you are facing such a situation now, be aware of how you are choosing to view your "aloneness" and take responsibility for the choice you have made. The humble figure in this card glows with a light that emanates from within. One of Gautam Buddha's most significant contributions to the spiritual life of humankind was to insist to his disciples, "Be a light unto yourself." Ultimately, each of us must develop within ourselves the capacity to make our way through the darkness without any companions, maps or guide.

Success for man & woman.

Quite sometimes back, I wrote the definition of success for man....

At the age of 3, success means - not shitting in your pants.
At the age of 12, success means - having friends.
At the age of 18, success means - having a driver's licence.
At the age of 20, success means - having sex.
At the age of 35, success means - having money.
At the age of 50, success means - having money.
At the age of 60, success means - having sex.
At the age of 70, success means - having a driver's licence.
At the age of 75, success means - having friends.

At the age of 85, success means - not shitting in your pants.

Many of my lady friends asked; What about for woman? Ooop! I can try....

At the age of 3, success means - not shitting in your pants.

At the age of 12, success means - having friends, especially drawing the attention of boys.

At the age of 18, success means - chauffeur driven by male companions.

At the age of 20, success means - sexy & attractive.

At the age of 35, success means - unlimited spending, paid by her man.

At the age of 50, success means - she is the pillar of her man.

At the age of 60, success means - having children in law.

At the age of 70, success means - chauffeur driven by her grand children.

At the age of 75, success means - we love listening to her grand mother stories.

At the age of 85, success means - she remembers the past but forget the immediate.

Wonder whether any ladies would like to correct me!!!

I like this phrase given by one reader - "The man is the head of the family, but the woman is the neck and she can turn the head any way she wants".

Don't listen alone but see to believe.

The wise said, "Sight is often blind, whereas listening is clearer in thought". Sometimes it doesn't work, because ears could be soft, when one listens more to gossips without even seeing. Gossips could spread like fire through rumour mongers, who might be unintentional or intentional, or out of jealousy, anger and hatred.

Those who rely by listening out of gossips, and eventually spreading its rumours can cause much harm and damages to the parties or individual concerns. Witnessing our current local political arena, many great and successful leaders' image and reputation were badly tarnished due to rumour mongering. The purpose is mainly due to various agendas of different parties and alliances. One word...selfishness.

I had also seen many beautiful relationships turned sour because unpleasant rumours affected and severed their tie and bonding. Listening without sighting can be treacherous, whereas seeing is believing. I know in life, I will not be able to satisfy everyone I meet. I do have many friends and admirers who adore and speak highly on me, but of course I am sure there are some hidden unfriendly guys out there too, who might not like me. These are the one who causes all the miseries by listening without proper facts and evidences of any wrong doing.

Listening alone isn't enough. Listening and sighting works better in our practical and logical world. I believe the intelligent won't just judge a book by its cover alone and the smart would never listen by gossips and rumours. The facts of life is, the minute you point your one finger at another person, your own three fingers are directed back to yourself again. So the bottom line is...never believe in anything through listening without the witness of the eyes.

Do you know - "The eye is the window of the soul; the intellect and will are seen in it. The animals look for man's intentions right into his eyes. Even a rat, when you hunt and bring him to bay, looks you in the eye"

How I tame my tiger man?

JF is a strong character young attractive lady who has recently fallen in love with a handsome prince. I was the one who matched them together, naturally know what is happening. Though the man is mature in handling his own business, he is still too innocent in romance and love. Whereas JF is one year older, tends to be more intelligence and capable in this new relationship.

She was smart to call me last night, asking for some tips and advices to best nurture a good romance. As I was their match maker, I guessed I had to assist them for their betterment. This was what I told the exciting girl.

The man is a tiger who should lead, and the woman is the trainer who should tame the tiger. Just like the grand circus, where the lady animal trainer with one single hand could soften the tigers on show. Tigers are ferocious animals but if they are properly trained and taught, their wildness can be tamed to your fancies. Physically and mentally man could be stronger than woman, but women who know how to use their soft and tender touch would easily melt the iron heart of men. I told JF, never use threat and anger to control her boyfriend. Rather her sexiness and feminine charm would be her strength to draw her man attention. A successful woman in love is the one who needs not control her man and yet the man is too happy to be in control by her. Tame the tiger to be a kitten and the woman would be the proud owner of her pet. A tiger roars with thunder fear but a kitten just 'meom meow' to her delight.

I believe little darling and many great lady readers would agree. Otherwise would appreciate if you could offer some suggestions to my friend JF who is too keen to learn.

Food for the heart - "In real love you want the other person's good. In romantic love, you want the other person." - Margaret Anderson

I am curious! Do I make good to be an agent?

Someone asked, who are the best candidates to sell life insurance business. Personally I think, those who are too intelligence at the beginning might not be suitable. My experience tells me, those who are intelligent are usually high earners and holding important positions in work. If these group of personnel are influenced into our business, they make good insurance agents at the start. However on a longer term, they tend to deviate to something else later. The simple logic is, selling life insurance needs plenty of patience, tolerance and humbleness. The new intelligent agent, might have good strong network to start, when he could bring in fantastic sales from his previous contacts. Subsequently without the soft simple character of himself, he could find it difficult to provide the gentle and tender care for his clients. Often enough, I had seen countless successful intelligent agents of such turn to be involved in other non insurance businesses gradually, leaving their clienteles unattended.

On the other hand, those who were young with simple basic intelligence, prepared to learn and be trained, willing to work extremely hard, responsible and caring, are those who often made this career as permanent. Their start might not be spectacular but their humbleness gradually helps them to be recognised and be respected by their communities and friends. The longer they stay in this challenging industry, the easier and lucrative their business would be.

The purposes of me writing this article is...selling life insurance isn't going to be easy if one doesn't have have the patience and tolerance to serve willingly. Never be misled by false promises offer by the unscrupulous agency managers but rather use your own judgement by observation and listening from all sources. Yes! Selling Life insurance is a rewarding career but is only for those who intend to make it a life long one.

I like this well written statement - "When we choose not to focus on what is missing from our lives but are grateful for the abundance that's present - we experience heaven on earth".

I can still make my fourth baby!

Women's gossip....

Over a cup of afternoon tea, Liza asked little darling, "Is he still sexually strong and active?" See! When men with men, we talked about women but among women, they also discussed about us. I wish Liza could have asked me personally, then I would speak my mind.

Just for her curiosity, men are not measured by our age to determine our sexual prowess. He might be young in age but if he doesn't take care of his health and physical, he could be worst off than an older man. As far as I am concerned, I looked at the eyes first to see his inner strength. Eyes of any person could reveal a lot of them. Their happiness and energy are all shown by the sparkle of their sight. In order to have these qualities, one has to be a discipline person who exercise regularly, proper diet and has a positive outlook in lives. A person of such usually has a decent and attractive personality. Otherwise, he could be young but might not be strong in sex.

For Liza information, given the opportunity, I can still make my fourth baby. Like to try?

Something we have to learn - "Never judge a book by it's cover!"

I drive only an old faithful Honda to work.

Few young rookie agents asked, "Do we need to drive a BMW or Merc to sell life insurance?" What a funny way to ask!! I told them, "I drive only an old Japanese 2 litres motor car and I have been selling life insurance for the past 27 years".

From what I gathered from the younger aggressive agencies, its almost compulsory for all aspiring agents to own and drive expensive vehicles to sell insurance successfully. They claimed the branding of the car they drive, reflects their achievement and pride. They felt the good looking cars help to bring easier and bigger cases. To them success leads to higher and greater success. They could be right!

However as far as I am concerned, a successful life insurance agent is one who has the confidence of his personal self; his knowledge and application on his products, his commitment to his services rendered to his clients, his understanding of life, his compassion of people, his strong character and moral value. If he has the humbleness to feel what I had written, I am sure nothing will fail him in this challenging career. The branding of the artificial vehicle isn't important to him anymore. He would rather like to save and keep more financially where he stand much taller than to waste the unnecessary spending which he doesn't need. The extra cash should be better spent on charities and old foe homes. I believe, success is reflected more on the way you speak than the way you drive yourself.

This is what I learned - "Only when you respect yourself can you have the courage to humble yourself".

I am a match maker too!

This week my good friend, Jun was beaming with joy and excitement because she just got to know another interesting male friend. Jun is an attractive and intelligent young lady, but something was missing in her heart as there was no love and romance in it. Though there were many male admirers trying their very best to woo and win her, not one with her chemistry could touch her feeling. She was mature enough to try to seek for any ideal boyfriend who is intelligence, smart, interesting, adventurous, humorous, responsible, caring, understanding and full of love. She has been working for the past three years, and at 24 today, she still could not locate her love by herself. Lonesome she was, I promised her a couple of months ago, I would help to select one qualified candidate, if that white horse happened to come my way.

Whether you called it as fate or luck, two months ago I met a long lost friend whom I had not seen for many years. On the meeting with his family, I was introduced to one of his son, whom I had seen when he was a baby then. Today the obedient son, has completed his studies and is fully involved with the family business. Quite recently, I had a chance to talk with this young man who eventually picked up a life insurance plan with me. Out of our discussion, I observed and qualified him to be an ideal client for me, who has also the qualities to be an ideal man for a suitable woman. Surprised me, with his tight schedules in work and business, he has little time to venture to mix with friends, especially the opposite sex. However he was frank to say he was lonesome as well.

Two weeks ago, I gave Jun's hand phone number to this young man, describing and explaining who this charming friend is. Without further ado, he called and later dated the lady once. Today, for the past one week, both of them were on sms endlessly and spoke for hours every night without getting bored. Jun called to ask me, "Are we in love? How come we could click so well with the same interests? After all, we just know each other for only a week!"

I told Jun the logic...your blinded sight had failed you to locate your love but not mine. With my experiences and wisdom, you had borrowed my five senses; sight, hear, smell, taste and touch to pick the rightful man for you. I might have known the young man quite recently, my senses tell that he certainly has the virtues, moral values and strong character to be the ideal partner for her. For their information, I learned all about lives while selling life insurance and as an agent I connect people, including match making, bringing happiness to all those I know. I sincerely hope, Jun has finally found her ideal man.

Can this be true - "A man falls in love through his eyes, a lady through her ears" - Aristotle Onasis

How to overcome a quarrel with your love?

Vincent Lee is a good friend whom I have known since he was twenty. I used to teach him all about life when he was younger. Not now any longer because he has grown to be a very understanding man who helps in the church's marriage counselling. By profession he is an auto engineer but he loves to assist those who have broken relationship.

Over a cup of tea, he was proud to claim that out of his twenty years of marriage with his beautiful wife, they had only one heated argument, which they would never forget. I am sure this is going to be one great feat that most people find it difficult to manage, especially those who are in relationship. Of course I had to ask my interesting friend to relate his formula and advice.

According to Vincent, a good relationship comes with 'effective communication', the key factor to understanding of both partners who are in love. Between him and his wife, they had committed to an understanding...in the event of any issue, argument or quarrel which is definitely unavoidable in any relationship, they promise to solve the differences and problems before the sun rises the next day. Whether is late or tired, they have to sit down to make good the issues. They speak their mind, open their heart, one has to take and the other has to give. With his experiences, many couples who failed to communicate to solve their immediate problems, tend to be judgemental or applying assumption to their conflicts. The further they delay their unsolved matters, leads to many frustration, pain, anger and unhappiness. Eventually jeopardising a good relationship with no possibility of coming back to normal.

What Vincent said was totally right...communicate by talking with each other before the sunrise the next morning. I like to add a little more..don't just talk but make love as well. Must tell little darling, the next time she is angry with me, don't remain silent and disappear but rather make love and talk through our heart together. Agreed?

Food for thought - "The most important thing in communication is to hear what isn't being said." - Peter F. Drucker

Life Insurance in the making...Happiness.

I started the Monday today with a beautiful heart. Mrs Lim called to check with her husband medical insurance. They have been my clients for more than twenty over years. Their three children were very young then, and today all of them are pursuing their Master and degrees. Time passes so rapidly without realising the master of the family has reached 55 and soon to be retired from his job. Though the wife is only a simple housewife, she has done extremely well for being the pillar of the family. The husband is a quiet man who only knows how to bring back his small payroll. It was the wife who saved every cent through the many years that makes thing possible for the children to complete their higher education.

Over the phone she said with pride, "In life, I am lucky to have known three different professional friends. The first one was you, Robert when you approached us as an agent. You taught me to save and invest, which helped me to grow and expand. The next were a lawyer and a banker. Without your sincere guidance, I won't have reached this far to see our financial strength. Thank you so much for being such a wonderful friend".

That compliment really made my day and equally I am proud to have such friends who took my advices faithfully. Before I hanged up, I offered another new suggestions to the lady..."You have been a good wife for these past years. Now play the role as a best friend and lover to your man as well. He might not have many friends outside but as you are his best friend too, you can still share and make things happen for him. Allow yourself to be more romantic and loving to him. A feminine charm and voice can tickle a man. Don't be shy to tell him, he is still young and handsome. Tell him these three sweet words, I love you. Give him the energy of life and remind him that there is no such word as 'retiring'. His life just started because you are always there for him." Mrs Lim was caught with words but she is willing to follow my advices again.

Buddha said - "Happiness comes when your work and words are of benefit to yourself and others". I am glad, I could make these possible because I am a life insurance agent.

Is money important in love?

Most would say 'yes', but some isn't. Quote two typical cases I encountered lately. Wah Lee is in her mid forties, still single and has plenty of love to offer. She had a boyfriend who could only offer her sex and intimacy. The man is not doing well, unable to offer her any financial support and is not ready to marry the unhappy lady. The only thing he gave was romance and love. Out of frustration and anger, she drew up her courage to kick the man away from her live. She felt she was like living as a sex slave for the man, though she also missed him as well.

Diana was totally different coz her husband is rich and famous. She isn't happy either as the man has no time to make love with the wife. To replace 'care and love' for the wife, he gives whatever money could buy for the woman and the family. Love and sex is forgotten! The woman cries in tears silently, her heart misses the hugs and kisses from the man. Without calmness and peace, her words are arrogance and forceful all the time. She might look attractive in richness but she is an unhappy person coz money has drifted her husband too far away.

Too little money is bad and too much of it could be sinful. "Be happy with what you have and are, be generous with both, and you won't have to hunt for happiness." - William E. Gladstone

How to pick the ideal clients?

I was asked why all my clients are so nice to me. The reason is; I selected the best ideal clients before I provide my services to them. Prospecting and identifying clients are like picking the ideal life partners. The young falls in love easily by their first sight of external beauties. Whereas the wiser one, sees the beauty from the heart where true love resides. A rookie agent sells everyone he meets and a professional one selects those he thinks are suitable.

I will not discuss business with a prospect if I don't feel comfortable with him or her. I could feel comfortable only when prospect respects me and my profession. Without comfortability and respect for each other, business will not last long and permanent. An ideal client is one who is responsible, hardworking and honest. With these qualities, he would have the economical potential to grow. It took me a long time to learn, 'choosy and picky' is the best way to select an ideal clientele.

Food for thought - "The respect of those you respect is worth more than the applause of the multitude". — Arnold H. Glasow

Beautiful Lesson of love.

This story really touches me....

The girl in the picture is Katie Kirkpatrick, she is 21 . Next to her, her fiancé, Nick, 23. The picture was taken shortly before their wedding ceremony, held on January 11, 2005 in the US . Katie has terminal cancer and spend hours a day receiving medication. In the picture, Nick is waiting for her on one of the many sessions of chemo to end.

In spite of all the pain, organ failures, and morphine shots, Katie is going along with her wedding and took care of every detail. The dress had to be adjusted a few times due to her constant weight loss.

An unusual accessory at the party was the oxygen tube that Katie used throughout the ceremony and reception as well. The other couple in the picture are Nick's parents. Excited to see their son marrying his high school sweetheart.

Katie, in her wheelchair with the oxygen tube, listening to a song from her husband and friends.

At the reception, katie had to take a few rests. The pain did not allow her to stand for long periods.

Katie died five days after her wedding day. Watching a woman so ill and weak getting married and with a smile on her face makes us think..... Happiness is reachable, no matter how long it lasts. We should stop making our lives complicated.

Life is short Break the rules forgive quickly kiss passionately, love truly laugh constantly. And never stop smiling no matter how strange life is Life is not always the party we expected to be but as long as we are here, we should smile and be grateful to God for the gift of LIFE.

Life Insurance offers peace of mind.

Yaakub called to thanks me for being a fantastic friend and a caring life insurance agent. His daughter was discharged after admitted for a severe operation. The heavy medical bills were all paid by our company, relieving the burden of the retired father. In fact, Yaakub had a successful 'by pass' four years ago, when I assisted him to make a claim on his critical medical cover. Over the phone he said, "You were an Angel sent to make things easy for my family. Without those insurance taken through you, life will be tougher for me. Thank you from the bottom of my heart". I was so delighted to hear those appreciation.

I related this true story to Ong and Vinna who came to my house today. Ong is already passed 50, and refused to consider buying medical insurance for himself. I told him the true facts of life from my experiences in this business... "Sicknesses can be overcome but the fear of not having the money to pay for the illness can kill". I had seen many people who suffered from critical illnesses and without the financial means, they die faster than those who had the financial support. To fight the dreadful disease like cancer, one has to be strong in mind and spirit but if at the same time, that person doesn't have money, worries and anxieties would make things worst. Life insurance plus medical cover offers the next alternatives for providing the peace of mind. Vinna, the wife was more practical, she immediately insisted the husband to effect the policy. See! Female is more intelligence than man.

To those who read my title..."Please remember! Buy life insurance when you don't need it, because when you need it, you can't buy".

My heart grows fonder.

Today I had a chance to meet up with a good old friend, Johnny Leong who is at 70 and still working actively as a real estate agent. He looks healthy and youthful for his age, and equally he could see my eyes are sparkling with plenty of love.

He shared this meaningful proverb... "Familiarity breeds contempt. Absence makes the heart grows fonder". As good friends we did not meet often but when we met now, we had a lot to share and talk. Our hearts were excited and our mind felt so wonderful to be together again.

From here he moved over to 'romance and love'. Surprised me for a man of 70! To fall in love is easy but to maintain and hold a love relationship is difficult. All loves begin with desire when couples want to be together. A day unseen, a day untouched or a day unspoken would definitely make lovers uneasy and unhappy. However the day comes when both couples know so much of each other, situation and emotion might change. That's the meaning of 'Familiarity Breeds Contempt'. The funny part of life is, when both couples are separated or absence for awhile, their 'heart grows fonder' to each other more.

Perhaps Johnny's words were right...I had not seen and spoken with my little darling for the whole day, my heart really fonder over her. What about you?

How to Make a Woman Happy

These were sent over by little darling for all men to read...

How to Make a Woman Happy. It's not difficult to make a woman happy. A man only needs to be: 1. a friend

2 a companion 3. a lover 4. a brother 5. a father

6. a master 7. a chef 8. an electrician 9. a carpenter

10. a plumber 11. a mechanic 12. a decorator 13. a stylist

14. a sexologist 15. a gynecologist 16. a psychologist

17. a pest exterminator 18. a psychiatrist 19. a healer

20. a good listener 21. an organizer 22. a good father

23. very clean 24. sympathetic 25. athletic 26. warm

27. attentive 28. gallant 29. intelligent 30. funny

31. creative 32. tender 33. strong 34. understanding

35. tolerant 36. prudent 37. ambitious 38. capable

39. courageous 40. determined 41. true 42. dependable

43. passionate 44. compassionate

WITHOUT FORGETTING TO:
45. give her compliments regularly 46. love shopping 47. be honest 48. be very rich 49. not stress her out

50. not look at other girls

AND AT THE SAME TIME, YOU MUST ALSO:
51. give her lots of attention, but expect little yourself 52. give her lots of time, especially time for herself 53. give her lots of space, never worrying about where she goes

IT IS VERY IMPORTANT:
54. Never to forget:* birthdays* anniversaries* arrangements she makes

HOW TO MAKE A MAN HAPPY
1. Show up naked

Remark: Not easy to satisfy women. Hope I have done my best for little darling.

Is Virginity important?

I had a friend from London who shared.."I rather married a wife who isn't a virgin!" Ooop!! I could not believe his words until he explained. How could a woman be ready to get marry when she did not know how to appreciate and admire the beauty of love & sex. According to him, most British teenagers experience sex at an early age of life. Though they might not understand the true meaning of love at this innocent age; they learn, explore and improve each time they make the mistakes. And as they grow to be an adult, they are ready to give the best to their ideal partners of life. They make better lovers to those they marry.

I can't believe it! Coz all typical Asian men might get the pain of heart, if he married a woman who isn't a virgin on his first night of sex. For sure the men would be upset and jealous, wondering whether their women are the loose type. They could not bear to imagine the impurity and indecency of them. Many marriages were broken due to this unhappiness. I felt the same as well!

What about you, the one who is reading my blog now?

Learn the wisdom from -"It is an infantile superstition of the human spirit that virginity would be thought a virtue and not the barrier that separates ignorance from knowledge." - Voltaire

She is a girl or woman?

In the generic nouns of these four words; girl, boy, woman and man...they have different application in our daily lives. For instance, the husbands won't mind their accompanying wives to be referred as their women. However not our sweethearts...they are all considered to be our escorting girls. Reason is simply...man likes girls. Right? Also, girls perfer man...especially the intelligent and naughty one. No girl would like to date boy who is not mature. On the hand, boys would be loved by their mums who are considered as women.

As far as I am concerned, I am a hero man to my little darling who is always an attractive and intelligent girl to me for life. Whereas I am always a boy to my aged old mother whom I consider as a great woman.

I believe this statement is true - "Girls are so queer you never know what they mean. They say No when they mean Yes, and drive a man out of his wits for the fun of it." - Louisa May Alcott

97 years old Japanese doctor's advice

Something you must read......

At the age of 97 years and 4 months, Shigeaki Hinohara is one of the world's longest-serving physicians and educators. Hinohara's magic touch is legendary: Since 1941 he has been healing patients at St. Luke's International Hospital in Tokyo and teaching at St. Luke's College of Nursing. After World War II, he envisioned a world-class hospital and college springing from the ruins of Tokyo; thanks to his pioneering spirit and business savvy, the doctor turned these institutions into the nation's top medical facility and nursing school. Today he serves as chairman of the board of trustees at both organizations. Always willing to try new things, he has published around 150 books since his 75th birthday, including one "Living Long, Living Good" that has sold more than 1.2 million copies. As the founder of the New Elderly Movement, Hinohara encourages others to live a long and happy life, a quest in which no role model is better than the doctor himself.

Doctor Shigeaki Hinohara JUDIT KAWAGUCHIPHOTO
Energy comes from feeling good, not from eating well or sleeping a lot. We all remember how as children, when we were having fun, we often forgot to eat or sleep. I believe that we can keep that attitude as adults, too. It's best not to tire the body with too many rules such as lunchtime and bedtime.

All people who live long regardless of nationality, race or gender share one thing in common: None are overweight... For breakfast I drink coffee, a glass of milk and some orange juice with a tablespoon of olive oil in it. Olive oil is great for the arteries and keeps my skin healthy. Lunch is milk and a few cookies, or nothing when I am too busy to eat. I never get hungry because I focus on my work.. Dinner is veggies, a bit of fish and rice, and, twice a week, 100 grams of lean meat..Always plan ahead. My schedule book is already full until 2014, with lectures and my usual hospital work. In 2016 I'll have some fun, though: I plan to attend the Tokyo Olympics!

There is no need to ever retire, but if one must, it should be a lot later than 65. The current retirement age was set at 65 half a century ago, when the average life-expectancy in Japan was 68 years and only 125 Japanese were over 100 years old. Today, Japanese women live to be around 86 and men 80, and we have 36,000 centenarians in our country. In 20 years we will have about 50,000 people over the age of 100...Share what you know. I give 150 lectures a year, some for 100 elementary-school children, others for 4,500 business people. I usually speak for 60 to 90 minutes, standing, to stay strong.

When a doctor recommends you take a test or have some surgery, ask whether the doctor would suggest that his or her spouse or children go through such a procedure.

Contrary to popular belief, doctors can't cure everyone. So why cause unnecessary pain with surgery I think music and animal therapy can help more than most doctors imagine.To stay healthy, always take the stairs and carry your own stuff. I take two stairs at a time, to get my muscles moving.My inspiration is Robert Browning's poem "Abt Vogler." My father used to read it to me. It encourages us to make big art, not small scribbles. It says to try to draw a circle so huge that there is no way we can finish it while we are alive. All we see is an arch; the rest is beyond our vision but it is there in the distance.

Pain is mysterious, and having fun is the best way to forget it. If a child has a toothache, and you start playing a game together, he or she immediately forgets the pain. Hospitals must cater to the basic need of patients: We all want to have fun. At St. Luke's we have music and animal therapies, and art classes.

Don't be crazy about amassing material things. Remember: You don't know when your number is up, and you can't take it with you to the next place.

Hospitals must be designed and prepared for major disasters, and they must accept every patient who appears at their doors. We designed St.... Luke's so we can operate anywhere: in the basement, in the corridors, in the chapel. Most people thought I was crazy to prepare for a catastrophe, but on March 20, 1995, I was unfortunately proven right when members of the Aum Shinrikyu religious cult launched a terrorist attack in the Tokyo subway. We accepted 740 victims and in two hours figured out that it was sarin gas that had hit them. Sadly we lost one person, but we saved 739 lives.

Science alone can't cure or help people. Science lumps us all together, but illness is individual. Each person is unique, and diseases are connected to their hearts. To know the illness and help people, we need liberal and visual arts, not just medical ones.

Life is filled with incidents. On March 31, 1970, when I was 59 years old, I boarded the Yodogo, a flight from Tokyo to Fukuoka. It was a beautiful sunny morning, and as Mount Fuji came into sight, the plane was hijacked by the Japanese Communist League-Red Army Faction. I spent the next four days handcuffed to my seat in 40-degree heat. As a doctor, I looked at it all as an experiment and was amazed at how the body slowed down in a crisis.

Find a role model and aim to achieve even more than they could ever do. My father went to the United States in 1900 to study at DukeUniversity in North Carolina. He was a pioneer and one of my heroes. Later I found a few more life guides, and when I am stuck, I ask myself how they would deal with the problem.

It's wonderful to live long. Until one is 60 years old, it is easy to work for one's family and to achieve one's goals. But in our later years, we should strive to contribute to society. Since the age of 65, I have worked as a volunteer. I still put in 18 hours seven days a week and love every minute of it.

Life Insurance in the making.

Selling life insurance is not merely selling the products, it involves the understanding of life. In the journey of life, everyone has to experience the sadness and happiness of it. During the course of my work, I had often been approached as an elder to solve some of my clients family or personal problems.

Quite recently, Harry who is a powerful and prominent businessman, called to seek my wisdom advices. He knew not many friends are sincere to offer frank comments. Only best and good friends would darn to tell you wrong. He took me as an ethical and professional person, when I had the chance to hear his sorrow and unhappiness which no one knew. From rank and file he rose, from a simple man he grew to be in authority and fame. Today my great friend is rich and famous. Externally he was successful and happy but internally he was actually a depressed and a frustrated man. The simple reason...no man is happy, if his family isn't united and in harmony. A successful man needs a lady who is willing to manage the family. Harry wasn't happy because he thought his wife no longer loved him. He complained that the wife was unreasonable, nagged too much and not prepared to give her best to the family. Not taking side, I took the time to visit his home, when I had the opportunity to chat with all his family members. Over a cup of tea with his beautiful wife, she shared her feeling and emotion as well. The love of the woman over her man has never changed, except the man had drifted himself too far in life. Money and power had blinded the man, when his expectation of life was much higher. He treated his woman only as a wife and forgotten the role as a best friend and lover to her. He was unromantic and did not know what love's language the wife wanted. They had not been on holiday with private intimacy for quite sometime. There was a break down in their communication.

As a true friend to my friend, I told him his wrongs and defects. The mistakes lied in him and not with the lady. I advised him to immediately confess to the wife. Buy some roses and write these words..."Sweetheart I am so sorry! I love you." The last I heard from the children, the man and the woman had gone for their honeymoon.

To me...life insurance is to insure a beautiful life while you are alive and being I am a life insurance agent I will try my level best to offer my sincere assistance in every way possible to those I meet.

These simple inspiring words from Mother Teresa - "If we cannot love the person whom we see, how can we love God whom we cannot see?"

Surely this is not April Fool!

Call me Robert Foo and not Robert Fool. Yes! Today is April Fool's day...a day to make some fun and to be fooled by someone. Also a day to test how tolerance you are when you are being fooled. Whether is April Fool, I practically take everyday as a fun and exciting day. Try me if you can!

Back to some serious business. Yesterday while visiting a client at his office, he introduced me to one life insurance agent who was trying to sell to my friend. He is one of my competitor from another prestigious company in town. Quite a young person he is, who claimed he has sixteen years in our business and with a title of Unit Sales Manager. I introduced myself as life insurance saleman who has no title on my name card.

Over a short discussion, he related an experience with us. One not so qualified lady agent from my company approached one of his established client for business. He was called to interview this lady instead by his good friend. As a sixteen years' agent he was, he asked some powerful questions that our poor agent could not answer. Defeated the frustrating lady, the sale was given to this happy man, I persumed. I smiled as he related the story. Perhaps he felt great with his achievement.

I left both of them quickly, allowing them to continuing their chat without further distraction from me. Before I moved out, I patted my client's shoulder and said, "Mr Client, I believe you are speaking to an intelligent and committed life insurance agent here. His eyes and face show he is successful. If ever you intend to buy a million dollar insurance, he is the man to consider". The agent was caught by surprise with a compliment from another agent who has twenty seven years of selling.

My belief in my career...never step another fellow colleagues who are in front and are trying to improve themselves. Instead of gaining strength and showing our muscle, help and assist that person to close the sale as well. This is not an April Fool remark.

Food for thought - "A candle does not lose its light by lighting another candle, so light up the life of those in darkness".