Wednesday, September 30, 2009

Young & Old comprehend each other.

Selling tip....

Talking about young & old, they have their different in strength and weaknesses in selling, especially in life insurance. Is actually a fair fight, provided the younger and the older agents know their specialities and value. Otherwise the young agents might be demotivated sooner in this career, and the older agents could be faded out as they aged.

Though the young hasn't proven their creditability in their profession, their strength is to show to their clients that they are prepared to work hard diligently. Everyone likes to see a hardworking young man, and if you could prove you are equally honest and sincere, the chances and support would definitely be given to him. Success is a matter of time.

The older agents might have the testimonial to prove their worth, they can't be just working hard to show their interest. In the first place, they might not have the energy as like before. At this point of lives, hard work alone might even scare away their friends and clients. Their strength is actually on their knowledge and the understanding of life. To build the trust and confidence for the clients, a senior established agent just has to show he is still healthy, a fun loving person, plenty of personal drive and enthusiasm, not arrogance but simple and kind, and still can fall in love again. He is not chasing for success any longer, but merely to stay alive fruitfully until the end of time.

For my fellow colleagues who are reading this particular title, i do hope these little sharing could help you stay longer in our profession. Our clients need the younger agents to serve and service them, and the established one to enlighten and reinforce their belief in our products. We thus comprehend each other along the way.

Food for thought - "The excitement of learning separates youth from old age. As long as you're learning, you're not old" - Rosalyn S. Yalow

Tuesday, September 29, 2009

Telephone selling technique.

Selling tip....

Prospecting is the first step in our selling cycle. The next step is to make the telephone calls to our prospects. A lot of time, prospecting calls are screened by the operators, receptionists or the secretaries before the calls are connected to the rightful receivers. The more higher status of a prospect, the more difficult the approaches for the sales agents. Selling can be make easy, if only there are prospects to be seen. Many sales agents give up their career merely because they could not overcome the technique of making successful telephone calls.

To bypass a professional secretary whose responsibility is to screen unnecessary calls for her boss, an agent has to speak effectively and confidently with her. The secret of these successful calls is to speak like a friend to the secretaries, and not sound formal to her.

Lets say the boss' name is John Lee Chin Ming and you intend to ask permission to speak with him. The formal way to address the boss is to call him Mr John Lee or Mr Lee Chin Ming, which sounds like you have not known the boss yet. Given the opportunity for me to make this call, i would speak in this manner to his scretary. "Hi my dear! May i speak with John?" or "Hi girl! Is Chin Ming in the office? If she asks, "Who is that please?" I would reply, "Tell him is Robert here".

The John or Chin Ming and Robert sounded more casual to her. And usually secretaries are afraid to offend the boss' friends or his buddies. With confidence, a lighter tune of voice and some humour, i never fail to connect all my calls to whoever i intend to approach. May be one day, i might even make a call to the President of America to see my luck.

Do you know - "The bathtub was invented in 1850 and the telephone in 1875. In other words, if you had been living in 1850, you could have sat in the bathtub for 25 years without having to answer the phone" ~Bill DeWitt, 1972

Monday, September 28, 2009

Old is diamond.

Richard and I are both childhood friends, we both love body massage. Those days, Richard would pick the younger beautiful masseuses and i preferred the older one, whenever we patronised our health centres. Each time after our workout session, Richard would complain about the poor unskillful massages done by his masseuses. Whereas i enjoyed every moment of all those services.

I told Richard, younger beautiful masseuses might not have the experience and skill yet. The older masseuses were more committed and skillful because of the years of massaging. I reminded my good friend, we came to relax and distress ourselves, and not there to select for beauties. Ever since then, Richard had taken my remarks seriously over the years.

The true facts of life are; Young might look beautiful and handsome, but they have not proven their value and creditability yet. Time is the factor to determine their qualities and worthiness. The seniors might look older but they have the testimonies to show their abilities.

Younger rookie agents might be aggressive but they lack the knowledge and experiences. Don't believe, you could always try on me to see whether i am better. A younger agent might take hours to present his thought and yet might not convince you. Allow me only one minute of your time, i promise to enlighten your soul and you would love life insurance.

Younger people could fall in love easily but they find it difficult to maintain and withhold their love. Not me, a man who had the experience of many past mistakes could love you forever if given the opportunity. I think i make a better lover than when i was young.

Moral of the content; Don't judge a book by its cover. The older the version, the better they serve.

Sunday, September 27, 2009

Her name!!


An elderly gent was invited to an old friends home for dinner one evening.

He was impressed by the way his buddy preceded every request to his wife with endearing terms such as: Honey, My Love, Darling, Sweetheart, Pumpkin, etc.

The couple had been married almost 70 years and, clearly, they were still very much in love.

While the wife was in the kitchen , the man leaned over to his host, “I think it's wonderful that, after all these years, you still call your wife those loving pet names”

The old man hung his head. “I have to tell you the truth,” he said, “Her name slipped my mind about 10 years ago and I'm scared to death to ask the cranky old bitch what her name is.”

Behold ladies & gentleman, not all darling and sweetheart you hear can be sincere and true. Nevertheless i still like to be called with these term.

Do you know - "The sweetest word to ourselves is our name".

Saturday, September 26, 2009

Why I blog?

Lai Hah is one of my keen admirer on my blog. Ever since a common friend who recommended my blog to her a few months ago, she has been reading all my titles regularly. I had a chance to meet her face to face last evening.

The first thing i asked this sweet intelligent lady, what had actually captured her interest over my site. According to her, my sharing had been very entertaining and amusing to her. Though she could not be reading while working in her office, she printed all the daily titles and read them while going home on bus. She had compiled a special folder to keep all these titles for future references. Her statement and compliment almost swept my feet and melt my heart.

She was wondering how i could write everyday with so much to share. I told her my belief; the mind grows by taking in but the heart grows by giving out. The best form of sharing is to write and let the world to read. Thanks God! Today we have the blogspot to make thing easy for everyone. Is free and simple to apply. If i could do it, i am sure everyone can. I write during the night between 11pm to midnite. This is the hour of silence when thought could be gathered. I write what i saw and experienced during the day. I translate the happening into words, pictures and phrases. Blogging needs the passion and interest to keep it going. Without the love of sharing, i don't think it is possible to go for the extra miles. Be aware, blogging can be additive and one has to be careful to manage his time on it.

I told Lai Hah, the one person who gains most out of my blog, is myself who write. Blogging has improved my writing and the language. My mind has expanded greatly by researching on related matters. Blogging allows me to tap my inner brain and appling them constantly. Blogging makes me a happier person, creating confidence and pride in me.

Lai Hah, thank you for reading my blog. Your support and comments are deeply appreciated.

Some of the beautiful quotes on blogging -
"A blog is in many ways a continuing conversation".
"Blogging is a communications mechanism handed to us by the long tail of the Internet".
"Your blog is your unedited version of yourself".
"The ease and appeal of blogging is inspiring a new group of writers and creators to share their voices with the world".
"Breathe. Know that the Internet has no eraser".

Friday, September 25, 2009

Peace of mind.

During my last twenty eight years of selling life insurance, I have had seen enough sick and death to experience and understand the facts of dying. I believe sickness, especially the terminal one won't easily kill but fear would. With the latest science and medicine, almost all illnesses have the cure and treatment. As long as the patients have a strong mindset, confidence and be positive to fight against their diseases, the road to recovery is a matter of time. Most of my friends and clients who could not make it, especially suffering from cancer, were those who had no money to attend to their illnesses.

When a cancer patient has no financial backing, he tends to have two major problems. The first would be the fear of how to pay for the high medical cost, wondering his family or children could raise the immediate cash. To borrow is to trouble others. Borrowing creates misunderstanding, hardship and shamefulness. It makes the patient even more worry and stressful. The second problem is to build confidence to overcome his sickness. At the end, patient is succumbed to his illness because stress and tension overrule him. The man is too worrisome because of the fear factor, having no money to repay his creditors.

I had many clients who were diagnosed with critical illnesses and survived because they had the cash in hand. All of them had enough medical insurance to pay for the unexpected bills. They made it because they carried the peace of mind through their life insurance. They let the insurers to handle the medical costs, when they rest to fight the diseases. Believe me or not! These are true facts of life i had encountered.

Food for thought -"Peace of mind is that mental condition in which you have accepted the worst." - Lin Yu-tang

Thursday, September 24, 2009

Life insurance is a love product.

To me the best product to sell is life insurance. Our product will never run out of stock, it can be sold at anytime, at any places and to anyone from an infant onwards. As long as life is uncertain on earth, life insurance will be needed.

The minute a baby starts to cry on birth, he could be identified as our prospective client and their parents normally would be too eager to effect an educational plan. As long as you love someone life insurance could be sold. The parents could insure the child, and similarly the children could purchase medical plan for the aging parents. The husband loves the wife by insuring himself, and entrusting the entire program for the family. Or loving the wife by creating a plan for her as a protection. Having a life insurance in hand allows a peace of mind, especially for the breadwinner.

Life insurance is a love product, which allows one to show how much one cares for others. Love is to be responsible, to be concerned, to give unconditionally and to give willingly. Love could not be seen, but definitely could be felt. And life insurance is an intangible item, which could not be seen as well. It is just a promise to take care of you and your loved one. Love is energy that could melt hearts, love has got inner force which makes everything possible and without love our world might not be at peace. Thanks God! With the creation of life insurance, love could be endorsed to make our land a better place to reside.

If you are a wife who is reading my blog, check with your man to see whether he has effected a life insurance on himself, and nominated you as the beneficiary. If not, it tells how much he really cares and has concern for you and the family.

If you are a man and has no life insurance, it looks like love is not important to you. High time you should seek a professional agent who might change your way of thinking. My belief; successful men always plan ahead and they do carry life insurance for the sake of loving another person.

Remember this - "Fun is like life insurance; the older you get, the more it costs" - Kin Hubbard.

Wednesday, September 23, 2009

The extra initiative to build a good friendship.

Today is Manjit's birthday, when i sent her a sweet message over the hand phone. It took her more than two hours to reply with this word, "Tq". Though i could not see her, i believe she was not happy, because i have the third eye to sense the different.

Immediately i called her on the line to speak with her. My intuition was correct. The lady is suffering from hypothyroidism, under depression, gained weight and family life is badly effected. With understanding, i managed to cheer her up with some humour and made her laughed. She was motivated and inspired by me, and i encouraged her to invite the entire family to celebrate her birthday with fun tonight. She ended our conversation with positive mindset, and promised to be cheerful and happy.

Learning to see the face of a person is important. It can reveal the thought and feeling of the person's mind. However if you can learn to see the words written, and determine the thought as well, you can understand your friends even better. These skills enhance my ability to interact with people, easing my way to sell successfully and making people happy.

Some interesting points; A short simple "Tq" means the sender is not very happy. A full "Thank you" is better. "Thank you so much" means the sender is appreciative and is happy. This would be marvellous..."Thank you and i love you for reading my blog today".

Food for thought - "A friendship can weather most things and thrive in thin soil; but it needs a little mulch of letters and phone calls and small, silly presents every so often - just to save it from drying out completely" - Pam Brown.

Tuesday, September 22, 2009

Wishful Thinking!

Is a long holiday in my country here, because the Muslim is celebrating the Hari Raya celebration. Might as well share some humour with my readers who are bored and carefree for the day....

Gwen was one of those UGLY women, so she never had a boyfriend. So she went to a psychic for help.

Honey! - said the psychic. You will not have luck in love in this life. But after death, you will be a much desired woman and all men will fall at your feet.

Gwen left very happy and so excited, as she went over a bridge she thought: "The sooner I die, the sooner my next life begins". She decided to jump off the bridge right away. But, incredibly Gwen didn't die! She fell on the back of a truck full of bananas; she lost her senses and fainted. As soon as she recovered, still drowsy and not being able to see very well, and not knowing where she was, she started touching her surroundings.

Feeling all the bananas she mumbled with a huge smile on her face and said: "GENTLEMEN, PLEASE!,... ONE AT A TIME!"

Food for thought - “The reality of the other person lies not in what he reveals to you, but what he cannot reveal to you. Therefore, if you would understand him, listen not to what he says, but rather to what he does not say.” - Kahlil Gibran.

Monday, September 21, 2009

One man's meat is another man's poison.

Life has many implication. To you may be good, but to another it may be bad.

You have a good intention to send a lady colleague home while working late in the office. To her you are a helpful person. Don't let your wife knows. She might think you are unfaithful.

You have a patient ear to listen to a male friend's sorrow. Don't let your boyfriend over-hear, he might think you are falling in love with him. To him you are not faithful!

You switch the mobile phone to the silent mode for letting total attention to your friends. They feel important because of your action. Be careful! In case your loved one calls and could not reach you, your lover might think you are up to something unfaithful.

Your clothing has a strong smell of perfume, and there are some loose hairs on your shoulder. You got them from assisting a lady friend who was drunk. She would be thankful for your concern the next morning. Be ready to explain when you return home. The wife might yell and scream, for she assumes you are flirting and unfaithful to her.

Please look at the above picture posted. You think the dog is faithful or unfaithful? To her master of the house, the pet is definitely faithful enough. However to the lady of the home, her dog is the most unfaithful animal who betrayed her. What a sad ending! See, life has many implication. I saw it right but you might see it wrong.

This proverb has to be right - "One man's meat is another man's poison".

Sunday, September 20, 2009

Four seasons.

Most countries have four seasons, whereas my country has one for the whole year round. We miss the spring, summer, autumn and winter, while we either rain or less rain with plenty of sunshine. On the other hand, we still could experience the four seasons from our women here.

In spring the flowers bloom with colour, relating the beauty of all our ladies when they dress to the best during the day. Their faces are coated with cosmetic and lipstick, the hairdo is fashionable, and the clothing is impressive. I love the weather of spring, and equally i am attracted to the dressing of all these ladies.

During the summer, the sun is hot with temperature rising. The warm and heat are like the wildness and craziness of sex while on bed. Women look differently when they have reached the peak of orgasm. Its summer time!

Coming to autumn, you could feel the cool slowly, the flowers shed and the day is gradually shortened. Without cosmetic and touch up, you see the natural beauty of a woman differently. I consider the natural look is like autumn, when colour is lessened and the smell of perfume has disappeared.

Winter is cold and its unavoidable. Many might not be able to withstand the extreme temperature, and could fall sick. Everything is white and looks moody. The 'winter look' of a woman is the morning when she just got up. Hair is loosened, face is sombre and the eyes are sunken. They would try at all cost to avoid strangers, especially the man.

I was told this story. A drinker met a 'summer lady' at a bar. She was gorgeous, tempting and her face was like a beauty queen. After a friendly chat, they both agreed to adjourn to the woman's apartment. She took her bath and put on her pyjamas. Drunk he was, when he stared at her like a 'autumn model'. On the bed, she was wild and crazy like a 'summer horse'. The man yelled aloud, "I love summer!". After a long heavy session, both dozed off happily. Came the morning, when the man was awoke, he saw beside him a 'winter woman'. He shouted fearfully, "My gosh! Was that a ghost i was sleeping last nite". The 'winter woman' has no makeup, her hair looked horrible, her mouth smelled like rotten egg and she had two dark eyes.

Believe it or not! You see woman differently at different time of the day. A place has four seasons, and woman has four different personalities. Unless you love the woman, you might not like to see her in the morning. Don't worry little darling, I love your four seasons...your spring, summer, autumn and winter are equally beautiful to me.

Food for thought -"Four seasons fill the measure of the year; / There are four seasons in the mind of man" - John Keats.

Saturday, September 19, 2009

Eight Lies Of A Mother

This story begins when I was a child: I was born poor. Often we hadn't enough to eat. Whenever we had some food, Mother often gave me her portion of rice. While she was transferring her rice into my bowl, she would say "Eat this rice, son! I'm not hungry."
This was Mother's First Lie.

As I grew, Mother gave up her spare time to fish in a river near our house; she hoped that from the fish she caught, she could give me a little bit more nutritious food for my growth. Once she had caught just two fish, she would make fish soup. While I was eating the soup, mother would sit beside me and eat the what was still left on the bone of the fish I had eaten, My heart was touched when I saw it. Once I gave the other fish to her on my chopstick but she immediately refused it and said, "Eat this fish, son! I don't really like fish."
This was Mother's Second Lie.

Then, in order to fund my education, Mother went to a Match Factory to bring home some used matchboxes, which she filled with fresh matchsticks. This helped her get some money to cover our needs. One wintry night I awoke to find Mother filling the matchboxes by candlelight. So I said, "Mother, go to sleep; it's late: you can continue working tomorrow morning." Mother smiled and said "Go to sleep, son! I'm not tired."
This was Mother's Third Lie.

When I had to sit my Final Examination, Mother accompanied me. After dawn, Mother waited for me for hours in the heat of the sun. When the bell rang, I ran to meet her.. Mother embraced me and poured me a glass of tea that she had prepared in a thermos. The tea was not as strong as my Mother's love, Seeing Mother covered with perspiration, I at once gave her my glass and asked her to drink too. Mother said "Drink, son! I'm not thirsty!".
This was Mother's Fourth Lie.

After Father's death, Mother had to play the role of a single parent. She held on to her former job; she had to fund our needs alone. Our family's life was more complicated. We suffered from starvation. Seeing our family's condition worsening, my kind Uncle who lived near my house came to help us solve our problems big and small. Our other neighbors saw that we were poverty stricken so they often advised my mother to marry again. But Mother refused to remarry saying "I don't need love."
This was Mother's Fifth Lie.

After I had finished my studies and gotten a job, it was time for my old Mother to retire but she carried on going to the market every morning just to sell a few vegetables. I kept sending her money but she was steadfast and even sent the money back to me. She said, "I have enough money."
That was Mother's Sixth Lie.

I continued my part-time studies for my Master's Degree. Funded by the American Corporation for which I worked, I succeeded in my studies. With a big jump in my salary, I decided to bring Mother to enjoy life in America but Mother didn't want to bother her son; she said to me "I'm not used to high living."
That was Mother's Seventh Lie.

In her dotage, Mother was attacked by cancer and had to be hospitalized. Now living far across the ocean, I went home to visit Mother who was bedridden after an operation. Mother tried to smile but I was heartbroken because she was so thin and feeble but Mother said, "Don't cry, son! I'm not in pain."
That was Mother's Eighth Lie.

Telling me this, her eighth lie, she died. YES, MOTHER WAS AN ANGEL! M - O - T - H - E - R

"M" is for the Million things she gave me,
"O" means Only that she's growing old,
"T" is for the Tears she shed to save me,
"H" is for her Heart of gold,
"E" is for her Eyes with love-light shining in them,
"R" means Right, and right she'll always be,

Put them all together, they spell "MOTHER" a word that means the world to me.

For those of you who are lucky to be still blessed with your Mom's presence on Earth, this story is beautiful. For those who aren't so blessed, this is even more beautiful. This story was shared to me by a wonderful lady who loves her parents so much. Of the four grown up children, she is the only child who still takes care of her aging parents financially and physically. My dear, you are truly an admirable daughter.

I salute to all mothers on earth - "The moment a child is born, the mother is also born. She never existed before. The woman existed, but the mother, never. A mother is something absolutely new" - Rajneesh

Friday, September 18, 2009

Can i buy life insurance when i am sick?

A doctor client called me lately. He told me one of his patient who had interest to purchase life insurance should be contacting me soon. Later of the afternoon, the patient's father called. He said, my son who is twenty eight years old would be having an operation this coming Friday. He wanted to effect a medical cover immedately, so that the medical cost could be paid by the insurer. I could not believe my ear! The doctor, patient and the father thought medical insurance could be purchased at any time or buy it only when you are sick.

I had to explain to the innocent man. Life insurance and medical insurance could only be effected on healthy normal person. We do not cover on pre-existing illnesses. The medical cover has the 90 days cooling period before it could take effect on all sicknesses. Life insurance is different from general insurance. General insurance covers on properties, whereas life insurance handles lives. You buy general insurance (Example - motor insurance or fire insurance) when you need them. Not life insurance! You buy it when you don't need it. Because when you need it, you can't buy. Meaning.. when you are dead, no life insurance can be bought and when you are sick, you can't buy either.

I have been selling life insurance for twenty eight years, i am really surprised our educated citizen are still unaware of how life insurance works. Are we that naive after all!!!

Food for thought - "The stupid neither forgive nor forget; the naive forgive and forget; the wise forgive but do not forget" - Thomas S. Szasz.

Thursday, September 17, 2009

A happy family together with the in laws.

The old Chinese traditional believes son is better than daughter. Not today any longer! Today, a son would most likely be married over to the parents in law, whereas before a son would gain another daughter for his family. Time has changed when woman of today dictates.

Chong a retiree and his wife are unhappy staying with their son who is married to another career working wife. The elderly parents complained their daughter in law is bossy and not respectful to them. They love their son and grand children, and the son loves everyone of them. In order not to make things unpleasant for the son, they opt to stay in the old folks home instead. What a sad ending for the Chong!

BK is an educated professional who married to a man, who is the only son to the family. She is a knowledgeable woman who tries all way to appease her husband's parents for the past six years. However as the parents are the old fashion type, she finds it difficult to have their understanding. She is locked in between the husband and his parents. According to her, she is like married to her room with her two sons. I sympathise the hurting lady.

The above stories are common problems which i encountered. I am lucky it doesn't happen to me, though i have two daughters in law and two ex daughters in law. I don't know whether i am proud or shy to mention, the ex daughters are my first son ex wives. He beats the father by marrying three times, and i hope this is his final marriage. All my daughters in law, including the previous two, love me tremendously. The fact is...we are not just father in law and daughters in law relationship, we are good friends and buddies to each other. I allow them to call me not just dad, but Robert or even address me as 'young man'. They are extremely comfortable with me because i reach and touch their hearts ever since they met me the first time when my sons brought them to our houses many moons ago. I had never behaved like a typical traditional father, i lower my status to be at bar with all of them. I spoke their language and lingo to build trust and understanding. I never showed my pride and arrogance, but humble myself to draw their confidence and respect. I might not see them often now, because they have migrated, but each time we met, we hugged tightly with love and warm. They will never forget to say..."I love you dad".

To Chong i suggest, love your daughter in law as though she is your daughter. Reach up to her by lowering your dignity. Don't behave like a father in law, but rather like a friend to her. To BK i advise, treat your parents in law like your parents. Have fun and don't be serious in your doing. Have holidays together with your children and their grand parents. Talk more of their interest and know their love languages; "affirmative, time, services, gifts or touch". If you are intelligence, i am sure you would know how to tickle their heart and mind. At the same time be smart to accept the facts of life in order to have a wonderful live.

Food for thought - "People who have good relationships at home are more effective in the marketplace." - Zig Ziglar

Wednesday, September 16, 2009

If only i am a woman.

Hey girls and ladies out there! Are your boys and men happy with you at the moment? Not sure? Then please continue reading, you might be enlightened with some tips.

If only i am a woman, i will make sure my man be the happiest person on earth. Its only by fate when an ideal man and woman meet, and i will try at all cost not to break a good loving relationship.

If only i am a woman, i will take all effort to understand my man. To know what he likes most and dislikes the least. To share the moment he feels nice, and to stand besides him when he is upset. To inspire him when he is down, and to motivate him when he lacks the drive. To talk a lot with him when he doesn't feel like talking, but when he talks i be a good listener. To tickle him with laughter, and to cheer him with jokes. When he is irritated by others, i will calm him with tenderness and save his pride without anger shown. If he makes an unintentional mistake, I will never nag at him but rather offer some sincere and softer suggestions to overcome any obstacle. I will never stand as a threat against him because he is too important a person for my life.

If only i am a woman, i will make sure my charm and sexiness always excite him. All ladies could be beautiful but i will try my level best to be always young and pretty to him by maintaining my physical and mind. My words have to be romantic and my appearance has to be fantastic. I know he might be admiring on other beauties at time but i rest assure no other beauty can be better than mine. Sex is always the top priority for all men, and i will attempt to learn the highest level of this art. The Art of Tara Sex is lost, which was originated from India, but i will try to search this book again, in order to give the best to satisfy my man. With the skill of Tara, sex is almost like heaven to him for sure.

If only i am a woman, i will not allow jealous to hinder our romance and love. His past is not important to me, and i will not remind my past mistakes to hurt his present feeling. Mistakes are our teachers, the proverb said. I am confidence my past experiences will help me to love my man more now. I will be truthful and patience with him to gain our milestone of love.

If only i am a woman, i will let him love me without regret. Man has egoism and pride. I will let my undivided love to overcome his negative feeling. To build his confidence, my love is unconditional with sweet and tempting emotion to support his self esteem at all time.

Finally, if only i am a woman, all men will love me.

Could this be possible - "Can you imagine a world without men? No crime and lots of happy fat women" ~Nicole Hollander

Tuesday, September 15, 2009

I love my job.

A few rookie agents asked, "Robert what are your itineraries for selling life insurance?" I told them, at the beginning selling was a job and responsibility for me. Today, selling life insurance is a hobby which kept me occupied and interesting all the time. Everyday is an exciting and an eventful day for me. Let me tell you how i spent my week.

Beside the frequent telephone calls, lunches and tea breaks, i visited the following friends or clients lately. Elim and wife were proud to have another second baby, i was invited to see the new child. Without hesitation, the caring father effected a child educational plan for her. Next, i had seen Chun Wen grew since a little boy. He could never forget me because he had received twenty four different birthdays since baby. He just got his first job as a mechanical engineer recently. Before spending on any important thing, he wanted me to plan some saving for himself through our insurance. Beside effecting the program, i gave him some advices and tips on how to be successful in his new found career.

Next, Kumar was proud to have his son home from Russia. The boy has graduated to be a qualified medical doctor. Father and son wanted me to plan some financial products for them. Next, two sisters of the Kua's family met me. Their father had just passed away lately, when they wanted to know the right way to claim on his father insurance. I showed them information which they had never seen before. All these were recorded on my old files of twenty five years.

Next, Rinnie looked a bit unhappy because her educational centre is closing down soon due to poor response. Unable to pay her regular premium, she sounded negative with her program. I assured her, nothing in this world which could not be solved, unless one isn't prepared to solve them. With some encouragement and advices, she smiled again before i left her. She looked much prettier when she smiled.

Next, i was introduced to Yin Chao who taught in a Chinese school. He is excited because soon he would be getting marry to a beautiful bride. I would be coming back to see them after their marriage.

Next, Wai Yen is a consultant for a direct marketing company. His wife is worried over him because he is constantly travelling all over the world. With my wisdom words and knowledge in the life insurance, i created a peace of mind to the tense lady. I told her this; every successful man has a woman behind...and she is the woman.

Next, Guan Chai had a severe surgical correction on his spine which causes him his total disablement. His substantial insurance would be payable, if his medical doctor completes the claim report. I am sure my company will honour the payment.

Next, Hali had his bypass correction done lately. He was glad that most of his medical fees were paid by us. As soon as his medical claim report returns, i will be able to pay him another fat payment.

Next, Riza is still single but is attached to a married man. Not sure whether she should stick with this person, she seek my brotherly advice. From her eyes i could see she still loves this man. My words for her him unconditionally and you would be much happier. She also effected an investment plan with us.

Next, Devaraj is an eligible bachelor. Working as a MD for a reputable company, he is currently 53 years young. Fallen out of love few times, make him unsure of himself on romance. I told him this quote, "Mistakes are our teachers, including love mistakes". My understanding of life built confidence in him, and he allowed me to write a policy for him too.

Do you consider these as work? Not me! Its my hobby and i have all the passion and desire to continue doing it until the last day of my breath. Fellow colleagues, unless you enjoy what you are doing, you would never be able to do it well.

Meaningful quote - "When work, commitment, and pleasure all become one and you reach that deep well where passion lives, nothing is impossible".

Monday, September 14, 2009

The Third Eye...........

Believe it or not, some people have a hidden third eye which can see through the beyond. By looking at your face, they almost can see your entire personality of the past, present and the future.

Through your eyes, they could understand whether you are happy at the moment. Your eyes reveal your heart where love resides. They could see whether you are in love at the moment. Your shape and structure of the face shows the quality of whether you are a good lover or not. Your nose and bone below your eyes can tell the degree of how strong a sex partner you are. The measurement can be taken as low, low medium, high medium or super high. If you have a high nose and bony face, most likely you like sex much more than the one who has a flat nose and a rounded face.

Your upper forehead reveals your past, the part between the eyes and the tip of the nose shows the present and the lower part of the face depicts the future. They can explain your strength and weaknesses. The length of the ear decides the longevity of your life. The shape of the ear shows the fate of your destiny.

The third eye can see whether you are an intelligent or a smart person. It could see through your mind, to determine how sincere, honest and kind hearted you are.

I am glad to be blessed with this third eye, which i consider as wisdom of life. The knowledge and experience of lives, i have gathered while selling life insurance. The third eye helps me to understand people better, and in turn i provide whatever advices and assistance if needed. Show me your face and i would tell you, your strength and destiny.

Beth Jones Quote - "In many cultures, the third eye has significance for seeing beyond the immediate and tangible. That's how I approach my clients. I have the ability to see the gold in people and uncover it for that person".

Sunday, September 13, 2009

Peace Of Mind

Spiritual sharing....

Once Buddha was walking from one town to another town with a few of his followers. This was in the initial days. While they were traveling, they happened to pass a lake. They stopped there and Buddha told one of his disciples, “I am thirsty.. Do get me some water from that lake there.”

The disciple walked up to the lake. When he reached it, he noticed that right at that moment, a bullock cart started crossing through the lake. As a result, the water became very muddy, very turbid. The disciple thought, “How can I give this muddy water to Buddha to drink!” So he came back and told Buddha, “The water in there is very muddy. I don’t think it is fit to drink.” After about half an hour, again Buddha asked the same disciple to go back to the lake and get him some water to drink.

The disciple obediently went back to the lake. This time too he found that the lake was muddy. He returned and informed Buddha about the same. After sometime, again Buddha asked the same disciple to go back. The disciple reached the lake to find the lake absolutely clean and clear with pure water in it. The mud had settled down and the water above it looked fit to be had.. So he collected some water in a pot and brought it to Buddha.

Buddha looked at the water, and then he looked up at the disciple and said,“See what you did to make the water clean. You let it be…. and the mud settled down on its own – and you got clear water. Your mind is also like that! When it is disturbed, just let it be. Give it a little time. It will settle down on its own. You don’t have to put in any effort to calm it down. It will happen. It is effortless.” What did Buddha emphasize here? He said, “It is effortless.” Having ‘Peace of Mind’ is not a strenuous job; it is an effortless process!

This is a very blissful story with lessons of STRENGTH....COURAGE to pursue....have loads of PATIENCE..... In life everything goes on... Keep Going. Have a peaceful Life!

KEEP SMILING not because of something but in spite of everything.

Saturday, September 12, 2009

The Chicken Story.......................

A naughty story to make you laugh..

Farmer Ah Kow lived on a quiet rural highway.
But, as time went by, the traffic
Slowly built up at an alarming rate.
The traffic was so heavy and so fast that his
Chickens were being run over at a rate of three to six a day.

So one day Farmer Ah Kow called the kampong police's office And said, "You've got to do something about all
Of these people driving so fast and killing all of my chickens."
"What do you want me to do?" asked the police.
"I don't care, just do something about those crazy drivers!"
So the next day he had the district workers
Go out and erected a sign that said:


Three days later Farmer Ah Kow called the police
And said, "You've got to do something about these drivers.
The 'school crossing' sign seems to make them go even faster."
So, again, the police sends out the district
Workers and they put up a new sign:


That really sped them up. So Farmer Ah Kow called
And called and called every day for three weeks.
Finally, he asked the police, "Your signs are
Doing no good.. Can I put up my own sign?"
The police told him, "Sure thing, put up your own sign.."
He was going to let Farmer Ah Kow do just about
Anything in order to get him to stop calling everyday to complain.

The Police got no more calls from Farmer Ah Kow.
Three weeks later, curiosity got the best of the
Police and he decided to give Farmer Ah Kow a call..
"How's the problem with those drivers.
Did you put up your sign?"

"Oh, I sure did. And not one chicken has been
Killed since then. I've got to go. I'm very busy."
He hung up the phone.
The police was really curious now and he thought to
Himself, "I'd better go out there and take a
Look at that sign... It might be something that
WE could use to slow down drivers..."

So the police drove out to Farmer Ah Kow's house,
And his jaw dropped the moment he saw the sign.
It was spray painted on a sheet of wood....

Go slow and watch out for chicks!

"I was naughty. I wasn't bad. Bad is hurting people, doing evil. Naughty is not hurting anyone. Naughty is being amusing.”
Sydney Biddle Barrows quote .....

Friday, September 11, 2009

Is there such a fantastic insurance plan?

The wife of one my client called me today, "Mr Foo what is the different of MAA insurance plans over your Prudential products? They claimed to have some fantastic programs".

This was what i told her. All insurance plans are the same, whether you buy from us or from any other insurance companies out there. All insurance companies in Malaysia are controlled by one Central Government Bank who audits, checks and verifies insurance plans before approving them for us to market the products. Actuary is the one who developed all the insurance programs for the insurance companies. And all actuaries are from the same school of thought, Actuarial Science. I believe no insurance plan is considered as fantastic, it depends on what you want in the first place. For each dollar you paid, if you want a higher protection, then the return has to be reduced. However for the same dollar invested, you prefer a much higher investment gain, then the protection and other benefits have to be reduced instead. For sure there is no free ride as to pay the same dollar, when you can receive high protection and you still gain maximum investment return. This is a simple logical truth. But most people are taken away by the marketing approaches or tempted by incentive promotions.

A friendly advice to this lady. She can buy insurance from any life insurance companies in town, but most important buy it from an agent whom she could feel comfortable with. An agent who is committed, sincere, honest, has integrity, caring, knowledgeable and most important has the deepest passion and desire to serve.

An advice to my fellow colleagues. Never degrade our competitors. The best way to succeed in our business is - "We must help people without people asking".

Thursday, September 10, 2009

Good and Evil...........................

This is probably the best I have ever heard life explained!!


One evening an old Cherokee told his grandson about a battle that goes on inside people.

He said, "My son, the battle is between two wolves inside us all. One is Evil - It is anger, envy, jealousy, sorrow, regret, greed, arrogance, self-pity, guilt, resentment, inferiority, lies, false pride, superiority, and ego. The other is Good - It is joy, peace, love, hope, serenity, humility, kindness, benevolence, empathy, generosity, truth, compassion and faith."

The grandson thought about it for a minute and then asked his grandfather: "Which wolf wins?"

The old Cherokee simply replied, "The one you feed."

Food for thought - "Those who forget good and evil and seek only to know the facts are more likely to achieve good than those who view the world through the distorting medium of their own desires" - Bertrand Russell

Wednesday, September 09, 2009

Man needs different loves to get inspire.

Chee is my friend for almost forty years. At our age, we need motivation and inspiration to move our lives. We both have our beautiful admirable darlings to feel proud about. Our beauties are of special breed, built with the highest intelligence, physical is tip top and personality is tempting. Chee's darling is originated from German and mine is a locally bred. Wherever they go, all eyes would be at them and we make sure they stick to us.

Chee took a long time to fall in love with his darling. She came to his life just a year ago, whereas my darling has been with me for quite awhile. To love them, we have to spend a lot of time together. Chee could only talk to his love one way, and i had never seen this German lady ever replying him. However she responds very well with touches and senses by her man. Each time Chee sits on her, she allows him to hold her firmly, presses the bottom as much as he likes and yet not complain a word. Not my lady! Without permission, i won't darn to touch her at all.

Chee's priceless love creates pride and honour to his esteem. How faithful is Chee towards his present lady is questionable, because prior to this new found beauty, he had previously fallen in love with two other German ladies before too. Not me! I am definitely a faithful lover, especially if i have found my ideal partner. I guess the reason why Chee could not stick to one beauty is because there is no communication between them. He could only feel, smell, taste and sight his love, the talking and hearing is missing. I am luckier because my darling could share her joy and happiness with me. When I am down, she spurs me up and when i am sad she inspires me again. I think my lady has a stronger vibration and energy than Chee's darling. The different between both these beauties darling is a warm hearted woman, whereas Chee's darling is a brand new Mercedes, which he had to use money to purchase.

Moral of the story - man being man, we need different type of force and energy to motivate and inspire us to move. Chee needs his machine and i need a woman.

Quote to share with all ladies - "A woman has got to love a bad man once or twice in her life, to be thankful for a good one" - Marjorie Kinna Rawlings.

Tuesday, September 08, 2009

Experience is the key to understanding of life.

Waren read my yesterday's title, "My children are always babies to me". Out of concern, he sent me an early message this morning, "Don't worry Mr Robert, he would be fine. Timing". I replied him, "But you are not married yet to understand our feeling". He confirmed, "You are right. That's true! My mum may have the same concern and feeling as you too. :)".

I am sure Waren who is still single would never understand the 'love and concern' over their children, until one fine day when he is married and has kids around. Is like, if one has never eaten the king of fruit, durian....don't try to describe its taste. Though durian has a stinking smell, it tastes wonderfully. You have to try once to experience this exotic fruit.

More facts of life... Don't try to describe the feeling of love, if you had not ever fallen in love. Its easy to assume but to relate the actual feeling of the pleasure and pain out of love is difficult. Similarly if you had not experienced the magic of sex, don't try to imagine the penetration because the pleasurable pain is indescribable. Also...don't try to think Lovesick is curable, until you could have a chance to fall sick with it once.

For my fellow colleagues in the life insurance industry... don't try to teach and train another agents to sell, when you had never sold life insurance before. Don't try to inspire another agents to excel and perform well in sales, when you had never done well before in selling.

Experience is the key to understanding of life. I believe this quote - "There are many truths of which the full meaning cannot be realized until personal experience has brought it home." - John Stuart Mill

Monday, September 07, 2009

My children are always babies to me.

Raising children isn't easy. When they were babies, as parents we were worried they won't grow! Later we feared over their education and career. My two elder sons are married, when i need not worried for them anymore. Except i still have one more son who is reaching his thirties soon. When he was a teenager, he had many girlfriends, who kept me worry then. I really didn't understand why so many girls fell for him. They came by numbers until i could not remember their names. I had to make sure, they behaved and not land into any unpleasantness or unexpected happening. Imagine, if adults could not control intimacy, you think young children could! I had to constantly nag and advise my son for befriending those pretty darlings of his. Time flies! Today he is a grown up man, and i thought i need not have to worry over him anymore. Sad to say, i still have worries. Today all his friends are only males, and i have not seen him with any female company. And i wonder why!!! Funny isn't it? Too many girls when he was young, i was afraid and currently he has no girlfriend, i am even more worry.

Moral of the story - I believe all parents love their children, no matter how young or old they are. As long as i live, i will love them as babies.

Food for thought - "We worry about what a child will become tomorrow, yet we forget that he is someone today" ~Stacia Tauscher

Sunday, September 06, 2009


Something interesting....

If you love someone because you think that he or she is really gorgeous... then it's not love...
it's ~* Infatuation *~

If you love someone because you think that you shouldn't leave him because others think that you shouldn't...then it's not love...
it's ~* Compromise *~

If you love someone because you cannot leave him thinking that it would hurt his feelings...then it's not love...
it's ~*Charity*~

If you love someone because you share every thing with him ... then it's not love...
it's ~*Friendship*~

BUT IF you feel the pain of the other person more than him even when he is stable and you cry
for him...
that's ~* LOVE *~

If you get attracted to other people but stay with him without any regrets....
that's ~* LOVE *~

If you let him go knowing that he has to go but he doesn¿t want to...
that's ~* LOVE *~

Note -"Love is a strange thing. It can be the most amazing feeling in the world, or it can really hurt, but in the end love is something most, if not all of us, will face. While there are many different ways to define love and there are many different ways to love someone (even yourself)"

Saturday, September 05, 2009

Tech Jokes.

And this is the BEST......................................
Don't you think the world is too much into Technology!!!!
Quote - "Science and technology multiply around us. To an increasing extent they dictate the languages in which we speak and think. Either we use those languages, or we remain mute." - J. G. Ballard

Friday, September 04, 2009

80/20 Rule.

While i am currently on holiday, a great friend from afar shared these facts of life...


A very valuable lesson
to learn ...

Interesting quote from the movie 'Why did I get married?'
In most cases, especially in relationships, you will only get 80% of what you NEED and you will hardly get the other 20% that you WANT in your relationship. There is always another person (man or women) that you will meet and that will offer you the other 20% which is lacking in your relationship that you WANT And believe me, 20% looks really good when you are not getting it at all in your current relationship.
But the problem is that you will always be tempted to leave that good 80% that you know you have, thinking that you will get something better with the other 20% that you WANT.
But as reality has proven, in most cases, you will always end up with having the 20% that you WANT and loosing the 80% that you really NEED and that you already had.
Be careful in deciding between what you WANT and NEED in your life.

Adultery happens when you start looking for what you don't have. 'Wow, this girl in my office is a real looker. But it's not her Wynona Rider features that got me. I'm crazy about her because she's also understanding, intelligent, tender - so many things that my spouse is not'.

Somewhere along the way, you'll find a woman or a man who will be more charming or sensitive. More alluring. More thoughtful. Richer. Have greater sex appeal. And you will find a woman or man who will need you and pursue you and go loco over you more than your spouse ever did.

Because no wife or husband is perfect. Because a spouse will only have 80% of what you're looking for. So adultery takes place when a husband or wife looks for the missing 20%. Let's say your wife is melancholic by nature.

You may find yourself drawn to the pretty clerk who has a cherry laugh no matter what she says: 'I broke my arm yesterday, Hahahaha . . ..'

Or because your wife is a homebody in slippers and pajamas, smelling of garlic and fish oil, you may fall for a fresh-smelling young sales representative that visits your office in a sharp black blazer, high heels, and a red pencil-cut skirt Or because your husband is the quiet type, your heart may skip a beat when you meet an old college flame who has the makings of a talk show host.

But wait! That's only 20% of what you don't have.

Don't throw away the 80% that you already have!

That's not all. Add to your spouse's 80% the 100% that represents all the years that you have been with each other. The storms you have weathered together. The unforgettable moments of sadness and joy as a couple. The many adjustments you have made to love the other. The wealth of memories that you've accumulated as lovers.

Adultery happens when you start looking for what you don't have.

But faithfulness happens when you start thanking God for what you already have.

But I'm not just talking about marriage.

I'm talking about life!

About your jobs.
About your friends.
About your children.
About your lifestyles.

Are you like the economy airline passenger that perennially peeks through the door of the first class cabin, obsessed with what he's missing? 'They have got more leg room! Oh my, their food is served in porcelain! Wow, their seats recline at an 80% angle and they've got personal videos!'

I guarantee you'll be miserable for the entire trip! Don't live your life like that. Forget about what the world says is first class. Do you know that there are many first class passengers who are miserable in first class -- because they are not riding in a private Lear Jet?

The main message???

If you start appreciating what you have right now, wherever you are, you are first class!

Thursday, September 03, 2009


A naughty lady sent over this story to me....

Paul and Mary get married
But couldn't afford a honeymoon
So they go back to Paul's Mom and Dad's house
For their first night together.

In the morning
Johnny - Paul's little brother -
Gets up and has his breakfast.

As he is going out of the door
To go to school - he asks his mom
If Paul and Mary are up yet.

She replies - No.

Johnny asks - Do you know what I think ?

His mom replies - I don't want to hear What you think !
Just go to school.

Johnny comes home for lunch
And asks his mom -
Are Paul and Mary up yet ?
She replies - No.
Johnny says - Do you know what I think ?
His mom replies - Never mind what you think ! Eat your lunch and go back to school ..

After school - Johnny comes home and asks again -
Are Paul and Mary up yet ?
His mom says - No.
He asks - Do you know what I think ?
His mom replies - Ok - now tell me what you think

He says - Last night Paul came to my room for the Vaseline and I think..
I gave him my super glue.

Food for thought - "Nature gave us one tongue and two ears so we could hear twice as much as we speak." - Epictetus

Wednesday, September 02, 2009

Lessons from Burnt Toast...

Shared by a gentle lady who cares....

When I was a little girl, my mom liked to make breakfast food for dinner every now and then. And I remember one night in particular when she had made breakfast after a long, hard day at work.

On that evening so long ago, my mom placed a plate of eggs, sausage, and extremely burned toast in front of my dad. I remember waiting to see if anyone noticed! Yet all my dad did was reach for his toast, smile at my mom, and ask me how my day was at school.

I don't remember what I told him that night, but I do remember watching him smear butter and jelly on that toast and eat every bite! When I got up from the table that evening, I remember hearing my mom apologize to my dad for burning the toast. And I'll never forget what he said. 'Baby, I love burned toast.'

Later that night, I went to kiss Daddy good night, and I asked him if he really liked his toast burned. He wrapped me in his arms and said, 'Debbie, your Momma put in a hard day at work today and she's real tired. And besides-a little burnt toast never hurt anyone! You know, life is full of imperfect things...and imperfect people. I'm not the best housekeeper or cook.'

What I've learned over the years is that learning to accept each other's faults - and choosing to celebrate each other's differences - is the one of the most important keys to creating a healthy, growing, and lasting relationship. Burnt toast should never be a deal breaker. We could extend this to any relationship in fact - as understanding is the base of any relationship, be it a husband-wife or parent-child or friendship!!"

Don't put the key to your happiness in someone else's pocket - but into your own.

Food for thought - "People will always forget what you do, and they will always forget what you say, but they will never, ever forget the way you make them feel."

Tuesday, September 01, 2009

How do you reach your boiling point!!

I was brought up in a typical Chinese coffee shop of the past. Today they re brand the unpopular coffee shop to another name, they called as Kompitam which could be seen every corner of our cities. They served tasteful coffee and Hainanese tea for the locals.

As i was slipping my tea with some friends at one of the kompitam, i asked whether they had tried tea or coffee, with water boiled from charcoal. Yes! They hadn't. They had not experienced the old days when old & gas were not available then, we had to depend on wood & charcoal for fuel. Next, I asked another interesting question! What is the different between water boiled with charcoal and gas? Meaning two separate pots of water, one to be boiled by charcoal and the other one by gas, both boiled until reaching boiling point. Surprised me, non of these so called tea and coffee drinkers no the differences.

Though i am not a chemist or scientist, i learned from observation and curiosity, i explained the facts to these innocents. Water that is boiled with gas, reaches boiling point faster than with charcoal. However the hotness and temperature of water boiled with gas, cools down faster than water boiled with charcoal. Meaning water heated by charcoal retains the hotness longer than with gas. Water boiled with charcoal tastes better and fresher than with gas. A cup of coffee or tea, with water heated from charcoal is always served tastier and hot all the time. Don't believe me, you can try it at home.

'Gas' is like those who fall in love at the first sight. They get heated up fast, wild and crazy with their partners. At the same time, their desire and feeling diminishes very fast as well, when they are very bored with each other.

'Charcoal' is different. They fall in love slowly and surely. They take their own sweet time to understand one another. Once they get heated up, they will never fall apart.

I behaved like a 'gas lover' when i was young. Not now any longer! I am a 'charcoal lover' who believe in ever lasting love at peak point all the time until infinity. What are you, gas or charcoal lover?

Food for the heart - "The hunger for love is much more difficult to remove than the hunger for bread" - Mother Teresa.