The young & old need each others.

Maram just turned 56 and has retired from his corporate job. Being a free man now, he has all the time to have a morning tea with me. Over a topic of opportunity, he mentioned that nowadays, youngsters work more aggressively than his younger days. As lately while shopping in the supermarket, a young male sales promoter was trying all attempts to sell him vigorously some health products. The enthusiasm and aggressiveness from this salesperson caught his attention. Maram could have bought those products, except that he didn't understand a word of explanation from this sales guy. He was speaking too fast, pronunciation was bad and the command of the language was totally out. Out of the excitement, Maram had to tell him to calm and slower his presentation, otherwise all his sales approaches might be rejected.

According to Maram, the sales promoter lacks the professional skill but he has all the energies and courage, as he is still extremely young. Given much time, when he could build his knowledge and skill, he should be able to do better. Yes! I think The Universe has treated our world fairly, when we were younger, we had the physical strength to excel in lives but we lacked the knowledge of the mind. As we are older, we gain the power and wisdom of knowledge to live but we are weakened by the process of ageing. The young beats the old in physical and the older utilizes the mind to overrule. Just imagine, if the youth was born with strength and mind, most likely the old would be left out totally in this world. Is a fair deal in life!

For advice to the younger one, build strength and at the same time inculcate the wisdom from the older one. To my friend Maram, who has knowledge and wisdom of life gained through the past years of working experience, I think you should continue to pursuit your career and opportunity, though you had left your recent job. The magnification of your powerful mind currently is unimaginable, please don't let it disappear without giving it a shot. You definitely have an immense opportunity ahead of you by only maintaining a healthy body till the end. Perhaps is high time, both you and me should share our experiences of lives to the those who are still climbing the ladder of success...like the young sales promoter who passionately tried to sell his products to you and yet failed. They need us, and for sure we need them as well.

Food for thought - "Failure is only the opportunity to begin again, only this time more wisely" - Unknown writer.

Constitution of love code.

Methods of love without using verbal..

Kiss on the ear - i'm horny

Kiss on the cheek - we're friends

Kiss on the hand - i adore you

Kiss on the shoulder - i want you

Kiss on the lips - i love you

Holding hands - we can learn to love each other

Looking into each others eyes - let's get romantic

Lady holding man's arm - she has given all to him.

Out of curiosity, i asked a successful learned lady...

How she assesses me when i have a young teenager as my girlfriend at my age.

She will dislike me immediately because she considers me as a misbehaved old man.

Next...assuming my girlfriend is around twenties or so.

I am lucky but i am a naughty and cheeky old man to her then.

Next.. Ok! I fall for the thirties single lady. What happen?

I am an understanding man who wants both world of the young and old.

Next.. I date the forties who has the taste of life.

Good choice! I would be treated as a successful and healthy man with a young compatible partner.

Next.. Those aunties of the fifties, i pick one.

Sorry lah! Such a match isn't noticeable to her.

Conclusion: have to be careful when courting a girlfriend. Too young or too old has a problem. Age is a factor!

Food for the heart - "Love is a force more formidable than any other. It is invisible -- it cannot be seen or measured, yet it is powerful enough to transform you in a moment, and offer you more joy than any material possession could." - Barbara De Angelis

Definition of Sex.

Maharishi Vatsyayan has stated in his Magnum Opus "Kamasutra" that ....
Sex is

"Duty", if done with your Wife

"Art", if done with your Lover

"Education", if done with a Virgin

"Business Transaction", if done with a Prostitute

"Social Work", if done with a Divorcee

"Charity", if done with a Widow &

"Sacrifice", if done with your own Hand.

Just imagine without sex, all these activities and transactions would not be there. And our world might be less interesting.

Food for thought - "Sex is. There is nothing more to be done about it. Sex builds no roads, writes no novels and sex certainly gives no meaning to anything in life but itself." - Gore Vidal

Bright women really are brilliant in bed.

While flying across the South China Sea, I read an article..."The True G-spot" written by Judith Woods. Having a naughty mind like me, the word G-spot excited my thought and I am sure you too who is reading my blog now.

She said..women have protested it for years, but a male scientist has finally discovered that the most important erogenous zone on the female body is, indeed, the brain. Intelligence, not beauty, is the deciding factor when it comes to enjoying sex, which will come as a great relief to clever-but-oh-so-plain girls everywhere.

A study has revealed that women endowed with emotional intelligence have superior sex lives because of their skill at expressing themselves and empathising with their partner. Researchers at King's College London asked 2,000 female twins about their sex lives and concluded that brains are the key to bliss in the boudoir.

Bright women apparently have twice as many orgasms as their peers, which of course makes perfect sense; the ability to bark, "No, for heaven's sake, not like that!" in four languages is pretty much a guarantee of great sex on an international scale.

High levels of emotional intelligence also make it easier for women to fantasise during foreplay. Perhaps the reason why emotional intelligence women have more fun is because they intuitively choose the best (or at least, most biddable) partners, who are imaginative, appreciative and can, at a push, chat a bit while in flagrante delicto.

A woman with a soupcon of common sense can spare herself a lot of grief, boredom and misery by applying her intelligence to weeding out life's roues, rogues and rotters.

Whether it's due to IQ or straightforward female intuition is a moot point, but Don't Sleep With Someone You Wouldn't Give A Job To is a fairly sound ground rule.

But i would aver that having a blast in bed has less to do with intelligence per se than confidence, of feeling loved, or at the very least, liked.

And a shrewd woman, a woman with self-esteem, will only sleep with a chap who likes her

Wow!!! That's great news! Little darling of mine must be an intelligent lady.

Something all of us should note - "Beauty, you see, may get a man into bed. But brains will ensure you know what to do with him (and vice verse) when you get there".

Sex is my name!

Little darling requested me to post it for others to laugh as well. Sex is her name. Make sure you call her right. In case, if you can't read the small print, click on to the page for enlargement.

Dumb & stupid

Christ is my nephew in Singapore and he is only eleven. While walking along in the mall with him, he asked me this interesting question. "What is dumb and what is stupid?" I allowed him to explain. With two examples he related; 1) A teacher sets a question to a student. What is 1 plus 1? The student stares at the teacher without uttering a speech. Christ said the student is dumb. Next.. Teacher asks what is 1 plus 1 again to another student. This student replies three. Christ said this student is stupid.

That was a very good illustration of 'dumb & stupid'. Immediately i could recall the past events of the yesteryear. I was only in the early twenties when a lovely girl confessed this statement to me. She said, "I miss you! I need you and I want you!!!" I was blinded in thought and lacked the power of speech at that moment of time. Yes! I was really 'dumb' in every aspect of a man. Came later when I met little darling, she was attractive and a brave lady she is. On a first trip i invited her for a holiday which she promptly agreed. Instead of booking one room for two, i got two rooms for each of us. She asked me why two rooms. I remembered one plus one equal two. She thought i was 'stupid' as i was too innocent for being slow to learn or to understand the feeling of woman. Am i dumb and stupid? You have to guess!

Is this true - "there are no dumb questions-only dumb answers". — Marshall Loeb

Life is like a boomerang.

This story i related many times..

An old man wanting to go for a weekend fishing trip, called excitingly his son to join him. The son being an active successful professional answered, "Dad! I am sorry! I have an urgent business meeting this weekend too and i cannot join you. Let me give you five hundred dollars so that you can spend on the trip".

The old man was sad. Recalling his past, he remembered when his son was a boy, he too had requested his father to join him on many fishing outings. As a responsible and hardworking parent then, he told his son, "Son! I am sorry! Dad needs to work this weekend and i cannot come along with you. Please have five dollars and you have a good time with your friends. Ya?"

He was sad because he had no time for his growing boy and the son did what the father had thought him. Should the father had given the quality time to the son, today the son would have given the same treatment to him now. "You harvest what you sow in the first place".

I told this story to my son and daughter in law, and hopefully it would also benefit those who are raising their young families like them.

My belief - "Life is like the return of a boomerang you throw".

What makes you think she is special to U?

Barry, one of my grandson who is only five, made me laughed when this was related to me. One day while having a slight argument with one of his class kinder garden female friend, he raised his childish voice to her, "I don't want to friend you anymore!" Immediately she cried furiously without stopping. In our adult mind we thought; "Had the little girl took him as her special boyfriend to feel so sad, when he rejected their friendship at that moment of time?" My Gosh!! Are they in love at this age?

Next question pondering... "You are getting closer to another person of the opposite sex, when is the time you consider to be special for each other?"

Fifty years ago, if a girl could accept a man's date once, she would be already considered as a special girlfriend to him. If she continued to accept his dating, marriage would be unavoidable. Thirty years ago, holding a girl's hand was like confirming his love over her. What about today? Is a kiss means anything? Or hugging and kissing signify serious love? Or when the boy says "I love you" is a confirmation that you are my special now? Or committing over a sex making session declares the formation of a love relationship?

I am curious! Tell me if you are not afraid, especially those who have the experience in love & romance. How and when .... you consider as both are seriously in love?

Interesting words - "Everyone admits that love is wonderful and necessary, yet no one agrees on just what it is."

Singapore here i come.

Upon reaching home from Vietnam, I drove down to Singapore yesterday. Is quite awhile i had seen my few young friends over there. They are my lovable grandsons who naughtily address me as 'kok kok', in Chinese it means bigger brother. No joke! They do call me as brother, which makes me at par with them.

This morning when I went out for my early breakfast around the market place, I could see the smiles and joy of the Singaporean. The vibration is still as strong as ever and i don't think the current world's melt down as any effect to the people. Comparing to the Vietnamese who has more younger people, Singapore has more older foes to care for. Strongly i believe the Vietnamese produces more children than the Singaporean. Though Singapore is small in size with a much lesser population than Vietnam, the per capital income here is relatively high.

Singapore has advanced well ahead of most neighbouring countries because they too had been working very hard for many decades. Currently with a brainy nation of intelligent people, they are successful and well recognised throughout the world. Today Singaporean uses their mind more than their physical, whereas the Vietnamese depends mainly on physical strength than anything else.

With what I see and learn during these two trips; to be successful in life one has to be intelligence and to work hard. With intelligence you work smarter to gain the extra miles, otherwise you have to work harder and longer to see the far end of the result.

I am sure all would agree to this - "Success is sweet and sweeter if long delayed and gotten through many struggles and defeats." - Amos Bronson Alcott

Trip to Ho Chi Minh City, Vietnam.

I just came home from Ho Chi Minh city, Vietnam, a business and a fun holiday destination. This is my third trip, the first was ten years ago when I remembered the whole city was flocked with bicycles only. Five years later when I revisited it, i could see fifty percent of bicycles being replaced with motorbikes and a handful of motor vehicles, mainly lorries and trucks. Today the whole city is jammed up by bikes and vehicles. I could see males going to work with coats and ties, and sexy ladies moving on their bikes to work or leisure. Yes! In the economical point of view, I am sure The Vietnamese had done well. Though their country is still under communist rule, their standard of living has improved tremendously due mainly through their hard work and discipline.

Of all the tourist spots I visited, I highly recommend the Cu Chi Tunnels at the Iron Triangle. This is a vast underground tunnel system, secretly dug out by hand by the troops of the "National Liberation Front", and continued to expand as the fighting raged above ground. They were built during the struggle against the colonial powers that were very strong. The tunnel extended three levels deep, with secret entrances, guard rooms, trap for attackers, headquarters, rooms for surgery and wounds, kitchens, escape tunnels to the Mekong river, etc. Total length is more than 200 km. They were dug by using simple farming tools and many hours hard-work.

To prove to myself than I am still young in heart and physically strong, I took the challenge to craw through a 100 meters tunnel pitch dark with no turning back. Tell you what! Don't try if you are too tall and big framed in size, especially those have weak heart. I felt...I was dead at mid way, blinded and breathless. I could imagine how painful and courageous the Vietcong had fought their war.

As I was travelling around the city, I admired those loving couples riding on their bikes or scooters. My guesses were; woman not holding man's shoulder while riding at the back could be just normal friend, woman touching man's shoulder could be husband and wife, woman holding man's abdominal part could be they are in love and woman folding both hands around man's chest while head over his shoulder...she is telling the whole city..."I am madly in love with him!" At that moment of time, how I wish that rider was me and the lady behind was my little darling.

What is hardwork! "The results you achieve will be in direct proportion to the effort you apply." - Denis Waitley

I am not old!

Thanks God! The cartoon speaks it all. I am not there yet and I don't think I would, as long as I feel young. To be young one has to be courageous, always active in mind and body, never say to retire or say you are old, mix freely with the younger people and talk to their tone and language, exercise regularly, think positively with a broad mind, and don't give up sex until the end of life.

Do you know....

"Love, can make people happy...

Money, makes the world go round...

But friends Ahhhhh...

They make life worth living!

Thank you for being one, who is reading my humorous blog now!"

Are you a good 'bedminton' player?

Lai is our new gym member who likes talking with me when we exercise together. I could almost treat him like a son who felt a bit out of place when he saw the different between our physical. Though he is much younger and bigger frame than me, I am more muscular and fitter than him. He spent a lot of time in building strength with the iron and I had never seen him on the treadmill to develop his stamina. His tummy is large and his chest is flat.

Out of a joke, i said, "you are a sprinter but not a distance runner on bed!!" I explained to the confused friend, a sprinter has the burst of speed and trust to excite his sex partner. However he hasn't the stamina to last longer to satisfy the excited mate. A lusting crave might be short and quick but a pleasurable sex needs a longer play to stay.

He admitted his defects and weaknesses. He expected a solution! A good badminton player trains with weight to gain his strength, and never fails to run regularly to optimize his stamina. Constant coaching and sparring add more skill to his court play. Same to a 'bedminton' player who wants to be a marathon runner on bed, he too needs to train on strength and stamina plus skills included. Ah! Before I forget, all exercises require warming up of ten minutes before you start your games....including bed exercises. Lai took my advices seriously and promised to work on it immediately.

Don't laugh readers! A good 'bedminton' player tends to live a happier and satisfying sex life.

This phrase confirms my belief - "If I were asked for a one line answer to the question What makes a woman good in bed? I would say, A man who is good in bed." - Bob Guccione

Andrey Hepburn's beauty tips

Wonderful poem! Andrey Hepburn shared her 'beauty tips'.......

For attractive lips, speak words of kindness.

For lovely eyes, seek out the good in people.

For a slim figure, share your food with the hungry.

For beautiful hair, let a child run his/her fingers through it once a day.

For poise, walk with the knowledge that you never walk alone.

People, even more than things, have to be restored, renewed, revived, reclaimed, and redeemed; never throw out anyone.

Remember, if you ever need a helping hand, you will find one at the end of each of your arms. As you grow older, you will discover that you have two hands; one for helping yourself, and the other for helping others.

It was read at her funeral years later.

To be a happy woman...

Five tips for a woman....

1. It is important that a man helps you around the house and has a job.

2. It is important that a man makes you laugh.

3. It is important to find a man you can count on! And doesn't lie to you.

4. It is important that a man loves you and spoils you.

5. It is important that these four men don't know each other.

"These impossible women! How they do get around us! The poet was right: Can't live with them, or without them." - Aristophanes

Nothing is impossible if you try harder!!!

A Sunday laugh & the picture speaks it all.................................

Story of Miss India 2009.

Story from The Times of India... an inspiring story for every woman....

Neera Chopra lived through abuse, poverty and some tough choices to make her once-unwanted girl child, Pooja Chopra, the Pantaloons Femina Miss Pooja Chopra with her mother.
I don't know where to begin... they were terrible times.. My husband was well-placed, but the marriage had begun to sink almost as soon as it began. Like most women do, I tried to work against all the odds .

My in-laws insisted everything would be alright if I had a son. My first child was a daughter, and that didn't do me any good... but I couldn't walk out. I had lost my father, my brother was in a not-so-senior position in Bata. I didn't want to be a burden on my family and continued to live in my marital home in Kolkata.

I looked after my mother-in-law, who was suffering from cancer, and while bathing her, I would tell myself she would bless me and put things right.

I don't know how I tolerated it all. The least a man can do, if he must philander, is to not flaunt his women in his wife's face. Then began the manhandling. I still wanted my marriage to survive. I was a pure vegetarian and learnt to cook non-vegetarian delicacies thinking it would please him.

Then, I was pregnant again. When Pooja was eight months in my womb, my husband brought a girl to the house and announced he would marry her. I thought of killing myself. I hung on the slight hope that if the baby was a boy, my marriage could be saved.

When Pooja was born a girl, for three days, nobody came to the hospital. There was a squadron leader's wife on the opposite bed, who was kind enough to give me baby clothes for Pooja to wear. When she was 20 days old, I had to make a choice. I left the house with my girls ' Pooja and Shubra, who was seven then. I haven't seen my husband since. I promised myself, even if we had just one roti, we would share it, but together.

I began life in Mumbai with the support of my mother, brother, who was by then married. It wasn't the ideal situation, especially when he had children ' space, money, everything was short. I began work at the Taj Colaba and got my own place. How did I manage' Truth be told, I would put a chatai on the floor, leave two glasses of milk and some food, and bolt the door from outside before going to work. I would leave the key with the neighbours and tell the kids to shout out to them when it was time to leave for school.

Their tiny hands would do homework on their own, feed themselves on days that I worked late. My elder daughter Shubhra would make Pooja do her corrections... This is how they grew up. At a birthday party, Pooja would not eat her piece of cake, but pack it and bring it home to share with her sister. When Shubhra started working, she would skip lunch and pack a chicken sandwich that she would slip in her sister's lunchbox the next day.

I used to pray, 'God, punish me for my karma, but not my innocent little kids. Please let me provide them the basics.' I used to struggle for shoes, socks, uniforms. I was living in Bangur Nagar, Goregaon. Pooja would walk four bus stops down to the St Thomas Academy. Then, too little to cross the road, she would ask a passerby to help her. I had to save the bus money to be able to put some milk in their bodies.

Life began to change when I got a job for Rs 6,000 at the then Goa Penta. Mr Chhabra, the owner, and his wife, were kind enough to provide a loan for me. I sent my daughters to my sister's house in Pune, with my mother as support. I spent four years working in Goa while I saved to buy a small one-bedroom house in Pune (where the family still lives). I would work 16-18 hours a day, not even taking weekly offs to accumulate leave and visit my daughters three or four times a year.

Once I bought my house and found a job in Pune, life began to settle. I worked in Hotel Blue Diamond for a year and then finally joined Mainland China ' which changed my life. The consideration of the team and management brought me the stability to bring them up, despite late hours and the travelling a hotelier must do.

Shubhra got a job in Hotel Blue Diamond, being the youngest employee there while still in college, and managed to finish her Masters in commerce and her BBM. Today, she is married to a sweet Catholic boy who is in the Merchant Navy and has a sweet daughter.

I continue to finish my day job and come home and take tuitions, as I have done for all these years. I also do all my household chores myself.

Through the years, Shubhra has been my anchor and Pooja, the rock. Pooja's tiny hands have wiped away my tears when I broke down. She has stood up for me, when I couldn't speak for myself. Academically brilliant, she participated in all extra-curricular activities. When she needed high heels to model in, she did odd shows and bought them for herself.

When I saw Pooja give her speech on TV, I knew it came from her heart. I could see the twinkle in her eye. And I thought to myself as she won 'My God, this is my little girl.' God was trying to tell me something.

Today, I've no regrets. I believe every cloud has a silver lining. As a mother, I've done nothing great.

'I won due to my mother's karma'

Pantaloons Femina Miss India Pooja Chopra's mother promised 'One day, this girl will make me proud'. Pooja speaks on fulfilling that promise... When I was 20 days old, my mother was asked to make a choice. It was either me ' a girl child, or her husband. She chose me. As she walked out she turned around and told her husband, 'One day, this girl will make me proud'. That day has come. Her husband went on to marry a woman who gave him two sons. Today, as I stand here a Miss India, I don't even know if my father knows that it is me, his daughter, who has set out to conquer the world, a crown on my head. Our lives have not been easy, least so for my mother. Financially, emotionally, she struggled to stay afloat, to keep her job and yet allow us to be the best that we could be. I was given only one condition when I started modelling ' my grades wouldn't drop.

All the girls in the pageant worked hard, but my edge was my mother's sacrifice, her karma. Today, when people call to congratulate me, it's not me they pay tribute to, but to her life and her struggle. She's the true Woman of Substance. She is my light, my mentor, my driving force. My win was merely God's way of compensating her.

I cried in tears while reading this inspiring story.

Is your heart strong?

Over a Chinese wedding dinner, I had a chance to meet up with an old classmate, Richard Tham. As a retiree, he spent a lot of time listening to medical talks and seminars which were invited free for him. According to him the number one killer in our young nation is heart disease. Fifty years ago when our country was undeveloped then, heart disease was hardly known yet. I guessed at that time, our meals were simple when we ate more vegetables than meats. Today our food is rich in cholesterol and physically we move lesser, resulting with an injured heart.

Heart disease is the narrowing or blockage of the arteries and vessels that provide oxygen and nutrient-rich blood to the heart. It is caused by atherosclerosis, an accumulation of fatty materials on the inner linings of arteries that restricts blood flow. When the blood flow to the heart is completely cut off, the result is a heart attack because the heart is starved of oxygen.

There are many ways to screen and test the heart. Some of the diagnosis tests recommended are; exercise electrocardiogram, coronary angiography, echocardiography or cardiac ultrasound and heart scan. All these screening tests are not cheap and they might not be totally perfect either. According to Richard, the best simple and a free physical test for us is to walk five floors up a building. If you could walk up these five floors without heavy patting, your health is definitely in good shape. However if you happened to be gasping for breath while climbing these floors, he suggested that you should consult your physician immediately. The chances are, you might be suffering from a heart disease with one or more blockage of the arteries or vessels. To those who can climb more than five floors with no heavy breathing, congratulation to you. You are fit to make love and have sex as much as you want without the fear of collapsing with a weak heart. Thanks God! I can! What about you?

We have to believe him - "Early to bed and early to rise, Makes a man healthy, wealthy, and wise. — Benjamin Franklin (1706-1790)

Are you brave?

This sweet young lady agent who is afraid to work on cold calls asked; "How to be a successful salesperson?" In simple language I replied; "A successful salesperson is one who can make another person, be they friends or strangers, comfortable and likable with him/her at the first meeting". Unless she understands this statement, she would never be able to overcome cold calls.

She is afraid of cold calls and prospects out there are equally frightened to be cold called. She is afraid because she is seeing someone she doesn't know, and the prospects are scared too because they are meeting a stranger they haven't met before. The problem would be solved, if only she knows prospects are even more afraid and scarier than herself. What she has got to do is to build courage and confidence to speak her mind and heart to these prospects. If she could win their attention, earns their respects, and make them feel comfortable with her within the shortest time allows, I reckon she will be accepted as a friend. Doing business at this stage is much easier.

I built my courage and confidence on cold calling by befriending strangers who were on holidays at beaches. Is a bit uncomfortable at the beginning but I assure you, the fun and experiences you gain from mixing and talking with the crowds would definitely motivate you to sell later. If you are afraid to cold call, try the beaches for something different!

Food for thought - "Life is not about waiting for the storms to pass - it's about learning to dance in the rain".

Please don't call me Mr!

I had a reader who addressed me as Mr Robert Foo. In replying her I was frank to say.. Calling me by Mr Robert Foo, she had distanced herself ten feet away from me. I felt older and much formal like. If she could call me as Robert, I am much nearer to her then...say five feet apart now. I would be much happier, if she addresses me as dear alone. The dear sounds closer in relationship, I could hold her hand and shoulder when we speak more daringly with each other. If she adores me, she would have the courage to call me honey or darling which is so pleasant to hear. Honey or darling allows us to speak from the heart when we could hug and warm each other. We are at skin to skin apart.

In my interacting with people, I seldom address my friends by their names. I only call Mr, Miss or Madam to people I meet the first time or perhaps those are very serious type of people who do not like to joke. To the male, i prefer to name them as brother when they are older than me or those who are younger, i call them as young man. I have many older friends who love to be called as young man too, making them feel younger in mind.

I have hundreds of dear, honey, sweetie and darling who are my female contacts. All of them started as dear but as they get to understand me more, I address them as darling. Dear and darling are sweet names which are pleasant to hear when is spoken from a sincere male friend to the ladies. Not to make one special lady jealous with me, i have only one sweetheart or my little darling. I am sorry my dears, honeys and darlings out there who might be reading my blog, I can't call you sweetheart. I hope all of you do understand!

Food for thought - "What is this life if full of care; we have no time to stand and stare" - W.H. Davis.

Be sincere in heart.

A very special lady who asked, "In one word, please tell what makes you sell so successfully all these year?" My reply was "Sincerity!" I had written many times in my previous articles, Sincerity of The Heart is the paramount rule of all approaches. Sincerity can't be bought, trained or pretended, it is all from the heart which is willing to give unconditionally. Sincerity can be sensed and felt by those who interact with you. I told her, my products and services were sold not because they are from the best company in town but rather they accepted my sincerity as warm and priceless. Most sales were bought out of comparing and competing with various competitors. With sincerity out of my selling, my services were sold without much effort and I have more faithful clients to deal business with.

I wish this intelligent lady would change her course and style of living, whether is her career or life, by adding more sincerity in all her doing. Once her attitude is changed, i am sure her life will be happier and merrier.

Specially for her - "Happiness is to see others happy because of ourselves" & "A happy heart will see a beautiful world".

Severe accident can happen in the house.

Home is the safest place, could be the most dangerous place. I had many clients who had made countless domestic accidental claims but the most critical one was the recent incident which led to an unexpected death.

Saw was only 38 years young, single and staying alone. Last Saturday, he had a nasty fall while taking his evening bath. He slipped and hit his head first. Thinking it was a minor fall, he didn't consult any medical advice. Later of the nite, he vomited and was bleeding through his nose, when he called his brother's assistance to admit him to the nearest hospital. In the emergency ward, he was diagnosed with a traumatic brain injury which required an immediate operation to save him. His left brain was clotted which might cause him permanent disability later. In coma he suffered another stroke on his right brain which needed another surgery to stabilize him. His medical charges were increasing while he was attended in the intensive care unit. His brother and parents were sad and worried while waiting.

Yesterday I contacted his brother who text this message to me; "Still alive but pulse down to 26. Anticipate will pass away by today". Saw passed away peacefully this early morning at 3.25 am without gaining conscious.

I was shocked and sad. I could not believe a fall in the bathroom could cause a death to such a young person. Yes! The most safest place in our house could be the most dangerous place too.

Reminder again - "Buy insurance when you don't need it, coz when you need it, you can't buy".

Claims are more important than sales & be humble!

Last nite while attending a wedding dinner, i was introduced to another younger guest who is also a life insurance agent from another insurance company. The first thing he mentioned, "I am a five years insurance agent, while my wife is a group agency manager of six years in the business. We both have been qualifying the Million Dollars Round Table and are high producers for our company". I felt good for him and hope he and his wife could stay longer to serve their clients.

Most agents i met, they talked more of sales and their achievements than their deliveries. Selling is easy but to meet an insurance claim, one has to stay long enough to experience them. Sales are income for the companies, whereas claims are out going expenses. All sales are recognised by the agency managers, who throw challenges for those who are winners for the week or month. However nobody talks about claims, serving and support. The team celebrates as winner on their sales target but the agent who has a claim works alone to solve his problems. Sales are approved quite easily within a few days. Sad to mention, a claim might take weeks or months to get it paid for. Most agents are competence in all aspects of the selling procedures and the wide range of products to market. However not many agents are qualified to understand the steps of making claims, especially death claim.

I believe the problem lies in the hand of our companies. They are always hunger for business when they need to show sales and profits, neglecting the emphasis and the important of claim making. The glamour is always given to agents who sell well currently and not recognising those agents who serve the needs of old sales or clients.

In replying to the younger agent I met; "I am not a high achiever and producer for my company, but I have been serving my clients faithfully for twenty seven years. I had sold many thousand policies and had settled without fail countless claims on death, accident and sickness. I had given hopes and values to many families who respected me more. I am just an ordinary agent not important to the company".

Food for thought - "The opposite of pride is humbleness, meekness, submissiveness, or teachableness". — Ezra Taft Benson (1899-1994)

Contest to unveil beautiful souls.

Something interesting I read...A beauty contest which the judges don't care about a perfect figure or face. What they're looking for the quest is "Miss Beautiful Morals", the contestant who shows the moral devotion and respect for her parents. This happened in Saudi Arabia where the idea of the pageant is to measure the contestants' commitment to Islamic morals. It's an alternative to the calls for decadence in the other beauty contests that only take into account a woman's body and looks. The winner won't necessary be pretty, they care about the beauty of the soul and the morals.

In the western-style formals, the external beauty might be pleasant to the sight but the beauty of the mind and heart is yet to be seen. I have to agree to these statements written by the English Poet...."The beauty of a woman is not in the clothes she wears, the figure that she carries, or the way she combs her hair. The beauty of a woman must be seen in her eyes, because that is the doorway to the heart - the place where love resides." This applies to the Miss Beautiful Morals of the Saudi Arabia.

Three Generations.

During the past twenty seven years, I had insured thousand of lives and I am still preaching for more. Some asked when I am going to stop selling. No way! Because selling is my hobby and talking is my interest. Both click in very well with each other. If one doesn't enjoy talking, selling life insurance is going to be miserable, as selling needs plenty of energy to talk. The three decades allows me to extend my coverage to selling three generations in one family; the grand father, children and grand children. Hopefully I could break the record by selling to the great grand children soon. Recently one of my client and his family who have migrated to the other part of the globe, continued to top up their insurance needs with me here. I assured him, no matter what happened to me, their insurances would still be taken care by my closed associates. He later replied with a letter which touched me so much, that I almost cried while reading it. Rather than keeping it all by myself, I like to share with those who are keen to read my blog.

In short he wrote: "Well said dad. If i have to choose the insurance man to look after me it would had been you. There is no better choice on earth. Regardless of your team i believe my dad will take good care of his beloved son. I had learned the best part of my life and thanks to your patience and understanding i m brought up well and i will continue to be inspired to do the same for your beloved grandson. You had provided me undivided love and attention and continued to support it. Thanks dad. It has been the best part of my life to be your son. It wont stop here dad as there are many more years for us to enjoy life together". Signed Alvin Foo.

Thank you son. Your dad, yourself and your children, will be well taken care by my commitment. With the blessing from The Universe, I might have the opportuity to insure your grand children one day. Please allow me to hand over the life insurance to you then.

Specially to my son - "You can do what you want to do, accomplish what you want to accomplish, attain any reasonable objective you may have in mind -- not all of a sudden, perhaps not in one swift and sweeping act of achievement -- but you can do it gradually, day by day and play by play, if you want to do it, if you work to do it, over a sufficiently long period of time." - William E. Holler

Now I know all of you have heard of the Tooth Fairy, & of course The Fairy Godmother, but have you heard of the Bitch Fairy? Check Her Out.

Advice - "Don't mess with women!"

Nobody taught us love in selling.

In my forty years of selling, the last twenty seven years was in insurance, no business thought the sales people the four simple letter LOVE. In selling, especially life insurance, the industry motivates the agents to be ambitious. They taught us to be goal orientated, they built team spirit, they made us focus on our work and they inspired us with cash. The goals and dreams made us work, from team playing we worked even harder by challenges, our focus on one career tends to forget the other part of lives and too much cash injected greed and pride on our glamour.

How I wish there are classes that show us the way to be patience, kind, sincere, not boastful nor proud, not rude and self seeking, not easily angered, no finger pointing of each other wrongs, have more tolerance to give willingly and unconditionally, have perseverance and be simple. One word for all these is LOVE.

If only all the life insurance agents in the world have the true love in heart, plus the motivation given by the industry, this world will be a beautiful place to live. Selling life insurance is selling love and care.

Specially to my fellow colleagues in the life insurance business - "Too often we underestimate the power of a touch, a smile, a kind word, a listening ear, an honest compliment, or the smallest act of caring, all of which have the potential to turn a life around" - Leo Buscaglia. These are little gestures which are very practical in our selling. Please try!

Pussy Pussy where are you?

Two years ago June was only a friend to Calwin. They had great time together sharing all topics of interest. Whenever Calwin made a mistake, June would not take it seriously in heart then. One year later, they became best friends with more understanding and giving. They could criticize and comment without the fear of offending each other. They went further to go out alone to movies and shopping. They became closer, held hands and started to hug and kiss whenever the feeling came. Six months later, they became lovers when Calwin confessed to June.

Both this couple is in their mid twenties, whom I consider as young lovers. Out of the blue, Calwin asked and to seek my advices, "Love is nice and beautiful. I have not experienced it before, until I met June. When I was only a friend, and later as best friend to her, I could criticize and made complains against her. Though she might be angry at that time, she would never throw anger and frustration over me. Not now when she is my lover. I have to be cautious, patience and careful with my action and words with her now. When she was upset, she could scold me but I can't retaliate on her. Otherwise she would not talk to me for days. When I called her, she might not have the time for me but when she called me, I had to make sure I am all for her. When I talked she might not listen whole heartily, but when she spoke all ears had to be on her. Is this the result of love?"

I feel sorrowful for this innocent Calwin who is a bit confused with love. Love has pleasure but it comes along with pain as well. As long as the man had not disturbed the pussy inside her, she would always remain as good friend who won't throw anger and frustration over the man. Pussy pussy where are you? To Calwin...if you want the pussy, you have to tolerate her as a lover now.

Food for the heart - "It's better to have loved and lost, than to have never loved at all" - Alfred Lord Tennyson.

Sickness won't kill but fear yes!

In my twenty seven years of selling life insurance, I had seen more deaths in the hospitals than most non medical people. The common sicknesses that kill are heart diseases and cancers. Or shall I put it, not these illnesses that actually killed my friends but rather not having the money to pay for the medical expenses was the main cause of death.

Yes! Such critical illnesses could be bad, but if one has the will power to stay and live, the chances of recovering could be good too. However if one hasn't the mean to pay for a heavy medical fee, the fear and anxiety could worsen the situation. It would be shameful to request others to pay for your medical needs or depending the children and friends to help could also affect the pride and ego of the oneself who is sick. Just imagine, having no money and sick, one has to overcome with two problems. Whereas the one who has the financial means, just has to take care of his illness. With positiveness and confidence, most diseases could be overruled given time. The one who has no money, dies possibly out of fear and not because of being sick.

Even this morning, I received an urgent call from a client who informed me that one of his staff had a very nasty accident in his own bathroom. He had a bad fall, broke his head and had a concussion. Currently he is in the hospital, awaiting for a major operation to save him. Prior to the surgery, the patient family has to get ready a sum of 100 thousand ringgits for the operation. The patient has no saving, no personal insurance, except the employer has effected for him a small simple medical cover. Under such emergency and circumstances, the most important person they could think of was a life insurance agent. I stand tall to see them because I would be able to pay most of the medical charges for him.

I can't say much more except - "Buy insurance when you don't need it because when you need it, you can't buy".

Color makes the different, even on bed!

Are you a colorful person? I mean the way you dress up! If you like wearing red, most likely you are bold and brave. Red is vitality and energy, symbolizes the heart and blood. Whereas black is the color of objects that do not emit or reflect light in any part of the visible spectrum, they absorb all such frequencies of light. Those who like wearing black want attention and are usually attractive. Yellow is a mixture of red and green, is sensitive, representing energy, vigor and enthusiasm. However yellow also has negative connotation, indicating cowardice. Those who prefer to wear yellow is faithful and kind hearted. Blue is a gender marker associated with loyalty and loving. I trust person who wears blue. White symbolizes innocence and virtue, depicting neutral.

My favorite color are yellow and blue. Blue is my shirt and yellow is casual wear or T-shirt. Little darling knows I am a faithful lover and I am a loyal and trusted friend. These are my outside colors, blue and yellow but my undergarments are fanciful in range. When I sleep alone I wear lighter colour but with little darling I go for sensational red and daring black for attraction. Tell you...'red and black' could create wanders and fantasies on bed. Try and you would believe.

I share this with you - "Oh, my luve 's like a red, red rose, That 's newly sprung in June; Oh, my luve 's like the melodie That 's sweetly played in tune". — Robert Burns (1759-1796)

Honesty & Integrity

Something I read which I can't resist not to share...

A successful business man was growing old and knew it was time to choose a successor to take over the business.

Instead of choosing one of his Directors or his children, he decided to do something different. He called all the young executives in his company together. He said, 'It is time for me to step down and choose the next CEO. I have decided to choose one of you. 'The young executives were shocked, but the boss continued. 'I am going to give each one of you a SEED today - one very special SEED. I want you to plant the seed, water it, and come back here one year from today with what you have grown from the seed I have given you. I will then judge the plants that you bring, and the one I choose will be the next CEO.'

One man, named Jim, was there that day and he, like the others, received a seed. He went home and excitedly, told his wife the story. She helped him get a pot, soil and compost and he planted the seed. Everyday, he would water it and watch to see if it had grown. After about three weeks, some of the other executives began to talk about their seeds and the plants that were beginning to grow.

Jim kept checking his seed, but nothing ever grew. Three weeks, four weeks, five weeks went by, still nothing. By now, others were talking about their plants, but Jim didn't have a plant and he felt like a failure.

Six months went by -- still nothing in Jim's pot. He just knew he had killed his seed. Everyone else had trees and tall plants, but he had nothing. Jim didn't say anything to his colleagues, however. He just kept watering and fertilizing the soil - He so wanted the seed to grow. A year finally went by and all the young executives of the company brought their plants to the CEO for inspection. Jim told his wife that he wasn't going to take an empty pot. But she asked him to be honest about what happened. Jim felt sick to his stomach, it was going to be the most embarrassing moment of his life, but he knew his wife was right. He took his empty pot to the board room. When Jim arrived, he was amazed at the variety of plants grown by the other executives. They were beautiful --in all shapes and sizes. Jim put his empty pot on the floor and many of his colleagues laughed, a few felt sorry for him!

When the CEO arrived, he surveyed the room and greeted his young executives. Jim just tried to hide in the back. 'My, what great plants, trees, and flowers you have grown,' said the CEO. 'Today one of you will be appointed the next CEO!'

All of a sudden, the CEO spotted Jim at the back of the room with his empty pot. He ordered the Financial Director to bring him to the front. Jim was terrified. He thought, 'The CEO knows I'm a failure! Maybe he will have me fired!'

When Jim got to the front, the CEO asked him what had happened to his seed - Jim told him the story. The CEO asked everyone to sit down except Jim. He looked at Jim, and then announced to the young executives, 'Behold your next Chief Executive Officer! His name is Jim!' Jim couldn't believe it. Jim couldn't even grow his seed. 'How could he be the new CEO?' the others said.

Then the CEO said, 'One year ago today, I gave everyone in this room a seed. I told you to take the seed, plant it, water it, and bring it back to me today. But I gave you all boiled seeds; they were dead - it was not possible for them to grow.

All of you, except Jim, have brought me trees and plants and flowers. When you found that the seed would not grow, you substituted another seed for the one I gave you. Jim was the only one with the courage and honesty to bring me a pot with my seed in it. Therefore, he is the one who will be the new Chief Executive Officer!'

* If you plant honesty, you will reap trust
* If you plant goodness, you will reap friends
* If you plant humility, you will reap greatness
* If you plant perseverance, you will reap contentment
* If you plant consideration, you will reap perspective
* If you plant hard work, you will reap success
* If you plant forgiveness, you will reap reconciliation
* If you plant faith in GOD, you will reap a harvest

So, be careful what you plant now; it will determine what you will reap later.
'Whatever You Give To Life, Life Gives You Back'

I am married but I am still a virgin.

A closed lady agent was approached by one of her female client who needed a hymenotomy correction. Many might have not heard of this medical term. A hymenotomy is a minor medical procedure involving the surgical removal or opening of the hymen. It is done to treat imperforate hymen or other situations where the hymen is unusually thick or rigid. In the case of a person who has a hymen which has no opening, an opening may be created in order to facilitate menstruation. In situations where the opening is small, the individual may elect for hymenotomy to allow for sexual penetration of their vagina. It also can cause pain to insert tampons and such, for instance the tampon will get stuck in the vagina and may take a while to remove.

The woman is married for two years and no sex was done because her hymen is thick. Sexual intercourse was not possible as penetration was painful and difficult. Both husband and wife must be suffering in pain. Their family doctor recommended her to remove her heavy hymen by a surgical correction. She is wondering whether our medical benefits could cater the operation charges!

Wow!! I am in the life insurance business for almost thirty years, this is my first time experiencing such a fantastic medical question. I am sure, our medical insurance covers such needs as no maternity or child birth is involved in the removal of hymen. However before considering any serious hymenotomy, I advised the agent to talk over with her client first. I think surgical is not needed. Perhaps the husband has to be strong and brave to break her hymen physically by himself through a wet juicy penetration with a forceful thrust onto the vagina. The virginity has yet to be broken by the loved one. Sometimes it takes a long time for some couples to learn the art of love & sex.

A virgin thought - "She had already allowed her delectable lover to pluck that flower which, so different from the rose to which it is nevertheless sometimes compared, has not the same faculty of being reborn each spring." - Marquis De Sade