Saturday, October 31, 2009

I had lost a good friend.



Last night i received a shocking message, a trainee pilot crashed near a golf course. The pilot was Mohd Ishan, a young man of 22 only. On checking with the news online, it was confirmed he was on a solo flight from Ipoh to Subang on a Eagle twin seater light plane.

I was trembling and my heart was beating fast while reading this unpleasant news. I had known Ishan since he was a baby. His father a self made man, was running a mini market in the other part of our town. Unfortunately he passed away three years ago with a heart attack, leaving a wife, a daughter who was 4 years old then, and Ishan. The only son was 19 then, had to shoulder the father business because the mother was an illiterate from India. With some life insurance paid to his family, I had been treating Ishan like a son, teaching him to replace his late father's role. He was a father to the family, protecting his timid mother and cute small sister, was a young boss to the shop and managing a handful of workers who were much older than him, was a college student who was still keen to learn and complete his education. For the past three years, i had been guiding and teaching him all about life. I love him so much because he was a unique boy who was rich in heart, intelligence, creative, prepared to work and to share, full of responsibility and willing to walk the extra miles.

Today while attending his funeral, his mother cried furiously when she saw me. She said, Ishan took up flying one year ago with the Royal Selangor Flying Club. At first the mother refused to allow the son to fly, but with much persuasion and sweet talk, he got the green light from her. He made the mother to promise not to tell two important persons about his flying. Otherwise he was sure, they would never allow him to take up this interesting hobby. These two persons are Kabeer, his uncle and the second is Robert Foo, his mentor and life insurance agent. I could not resist myself to cry as well when i heard this from the mother.

I am still pondering at the moment. I had given hope and respect to their family when his father left them three years ago. There was hope because the son had the potential to offer and there was respect because the family could live with dignity. My question now; should this tragedy happened so soon? who is right or wrong? is it fair to the family?

While writing now, i just could not control my tears. Though Ishan isn't my son, is so painful to have lost him. Through our relationship, our bonding has emotionally affected my feeling for this bright son. For whatever happened, there ought to be a reason and i believe God could have needed Ishan much more in another place. Over his body, i promised to see his mother with uncle Kabeer tomorrow, to provide advices and assistance.

Specially to my beloved Ishan - "Live as if you were to die tomorrow. Learn as if you were to live forever" - Mahatma Gandhi quotes.

Friday, October 30, 2009

Jealous heart.


I introduced Wati to Faisal a few months ago. Faisal got crazy with Wati shortly after meeting her, because she is a young beautiful and a sexy girl. Being a fast worker, he managed to win over the gorgeous lady. Good for both of them.

Out of curiosity, this afternoon i posted a personal question to this in love friend. "Faisal, when you are with Wati who dresses so beautifully all the time. Do you feel honour to be with her?"

This was his reply, "I feel proud and happy whenever i am with sexy ladies. More so with Wati whom i love so much. I feel great and fantastic when all eyes are on her. My heart is excited because she is my girlfriend to show."

Next question to Faisal. "You are not with her, when all eyes are at her. Tell me how do you feel then."

Reluctantly he admitted, "I am jealous when other men are staring at her. I prefer she doesn't dress too sexy, especially when i am not with her."

Funny isn't it! He can be looking at other pretty women but he cannot allow other men to be watching his lover. The only one word i could think of is Selfish of him. Selfishness comes when a man isn't confidence of himself. As long as he lacks the personal confidence of a gentleman to court an eligible lady, he is worried that another more qualified man might take her away from him.

Some tips for my friend. Love is patient and kind. It doesn't envy, it doesn't boast, it isn't proud. It isn't rude, it isn't self seeking, it isn't easily angered, it keeps no record of wrongs. Love does not delight in evil but rejoices with the truth. It always hopes, always perseveres. Love never fails.

If both Faisal and Wati have the above understanding, then TRUST will be there between both of them, instead of Selfishness.

Specially for Faisal - "Love doesn't make the world go round. Love is what makes the ride worthwhile" - Franklin P. Jones.

Thursday, October 29, 2009

What is success?

What is the Secret of SUCCESS...... ? "RIGHT DECISIONS"
How do you make Right Decisions... ? "EXPERIENCE"
How do you get Experience.. . ? "WRONG DECISIONS
Dr. ABDUL KALAM ....

Over a gathering, all my buddies were talking about success. Success to most of them is their dream home, business, career and be billionaires. Came my turn, i told them my success is to earn enough money to let my little darling spend, when i won't be feeling the pain. Sorry i am not successful yet! Because each time my little darling spend, either to buy her best clothing, or shop until she is breathless, or enjoying her spa and massage, or visiting her beauty parlour, or on holiday, i could still feel the slight pain in the heart. Until when i learn not to have this pain, i consider myself as not successful yet. What about you?

David Brinkley said - "A successful man is one who can lay a firm foundation with the bricks others have thrown at him."

Wednesday, October 28, 2009

Mount Kinabalu here i come.


Have you climbed mountain before? I have not but after listening a mountain climbing story from KM Lee, I am considering to climb one.

KM Lee is a 54 years old businessman, who was encouraged to climb Mount Kinabalu recently. Mount Kinabalu is the highest mountain in South East Asia, and one has to be fit and strong to conquer the peak. Lee was the oldest among his group of young climbers. Prior to this climbing, Lee is a hatch runner who believes he had the stamina to scale the scary height. He was only worried whether he had the determination and spirit to reach to the top.

On the day of climbing everyone was excited with full of enthusiasm. They promised each other that all would make it to the final. Half way the journey, everyone was breathing hard, especially when the air was getting thinner and the temperature was cold. As Lee was the oldest, he wasn't afraid that he could not make it, but he was more afraid that he was going to be a burden to the group. Rather being left out on the walking path behind, he walked and moved faster than the younger team. Without him knowing, his fast pace and speedy run, spurred the younger friends to run faster as well.

The older climber did not want to burden the young, and the younger climbers were too embarrassed to loose to an older climber. Because of this mental pressure, it created an extra energy and determination to all these highly motivated climbers. They reached the top faster than expected. Lee was third to reach there too.

Moral of the story; Success is easier when the young and the old meet and work together.

There is a German Proverb - "The old forget, the young don't know".

Tuesday, October 27, 2009

I don't know where to place my eyes.

Wow!!! She is sexy and beautiful, isn't it? Talking to her could be a problem. As man, i really don't know where to place my eyes over her, if i am directly in front with her.

Many a time, we happened to be confronted by such gorgeous beauties over a conversation. We could either be seated or stood one arm away from each other. Should we see eye to eye and talk! I don't think it could be easy, because the bust line is really too irresistible to avoid. The shoulder is fair and the boob is tempting. Her perfume is sensational, her clothing is admirable, her hairdo is attractive, and her waist line curve is appealing. With all these marvellous qualities of a pretty lady, it is natural that all men are attracted to her.

If i do not look directly at her face while talking with her, she might think i am not serious. If i stare at her boob, she might think i am disrespectful and naughty. If i peep at her lower part, she might think i am up to something bad. Well! What should i do then ladies?

I spoke to some lady friends recently on this issue. They suggested that i should be brave to tell the truth to this sexy woman. Tell her she is a very admirable person. Tell her she is beautiful and tempting. Tell her she has a fantastic body. Tell her she is a beauty that all men would like to look at. They assure me the lady would love to hear all these compliments. For those men who are not courageous like me, i advise you then to focus your sight only on her forehead front when you are confronted by sexy women. The temple of the face is a safe place to look at.

Food for thought -“When somebody gives you a sexy look, you know they're trying. It's terrible! But when you smile, it's so much sexier!” - Joseph Addison.

Monday, October 26, 2009

How to sell a blank paper with a value price?

TC Cheng, one of my blog reader wrote to me with this question, "How to sell a blank paper with a value price… ?What do u thk.."

Mmmmmm! Sound interesting! With a creative naughty mind, the first thought that came to me was "Love & Romance". Love is a blank paper, which could be expressed by our five senses; sight, listen, smell, taste and touch. True love comes with a beautiful romance which is priceless.

To fall in love or to let another person to fall in love with you, the five senses have to be placed accordingly. To identify the rightful loving person, we have to see and observe the other opposite sex. Each and everyone of us feels differently, but our eyes are the first to capture the attention of the other person. Seeing is believing! However to reinforce the sighting of a pretty lady, listening is even more important to determine the inner of this beauty. At the same time, let the smell and taste of the human senses to explore and venture. Lastly the brave and courageous one would attempt to apply the touch to create a sensation love within the two. I believe, if a man could sincerely apply the magic of these five senses to any beauty with passion and desire, he would be able to sell his LOVE to her. Love is relatively a blank paper, but beautifully express from heart to heart with "I Love You." The price always ends with a fantastic romance until infinity. Yes the man sells a blank paper with a value price in that sense.

I consider myself a very lucky and blessed gentleman who sells 'love & romance'. Selling life insurance is related to love & romance. Just like the above illustration of making people fall in love, selling insurance is to make my clients fall in love with me. My Godly given five senses help me to reflex my character of humbleness, kindness, intelligence, humour, creativeness, understanding, commitment, responsible and plenty of passion to shower. My sincere love has touched all my clients who are willing to accept my 'blank paper' with a promise. A promise that i will be there for them, if they need me most when an untimely death or accident happens to them. I promise to make sure their surviving families will live in dignity and respect, when they are no longer around. I promise their children will be able to continue their studies. I promise to be their guardian until i no longer around as well. My love and promises are priceless. I could do it because i am a life insurance agent. Indirectly i am also selling a blank paper with a value price.

TC Cheng
... I hope you accept my views and had answered to your question too.

Food for thought - "Success, happiness, peace of mind and fulfillment - the most priceless of human treasures - are available to all among us, without exception, who make things happen - who make "good" things happen - in the world around them” - Joe Klock.

Sunday, October 25, 2009

Don't mix drinking & driving.


A Very Touching Poem

I went to a party Mom,
I remembered what you said.
You told me not to drink, Mom,
So I drank soda instead.

I really felt proud inside, Mom,
The way you said I would.
I didn't drink and drive, Mom,
Even though the others said I should.

I know I did the right thing, Mom,
I know you are always right.
Now the party is finally ending, Mom,
As everyone is driving out of sight.

As I got into my car, Mom,
I knew I'd get home in one piece.
Because of the way you raised me,
So responsible and sweet.

I started to drive away, Mom,
But as I pulled out into the road,
The other car didn't see me, Mom,
And hit me like a load.

As I lay there on the pavement, Mom,
I hear the policeman say,
"The other guy is drunk," Mom,
And now I'm the one who will pay.

I'm lying here dying, Mom....
I wish you'd get here soon.
How could this happen to me, Mom?
My life just burst like a balloon.

There is blood all around me, Mom,
And most of it is mine.
I hear the medic say, Mom,
I'll die in a short time.

I just wanted to tell you, Mom,
I swear I didn't drink.
It was the others, Mom.
The others didn't think.

He was probably at the same party as I.
The only difference is, he drank
And I will die.

Why do people drink, Mom?
It can ruin your whole life.
I'm feeling sharp pains now.
Pains just like a knife.

The guy who hit me is walking, Mom,
And I don't think it's fair.
I'm lying here dying
And all he can do is stare.

Tell my brother not to cry, Mom.
Tell Daddy to be brave.
And when I go to heaven, Mom,
Put "GOOD BOY " on my grave.

Someone should have told him, Mom,
Not to drink and drive.
If only they had told him, Mom,
I would still be alive.

My breath is getting shorter, Mom.
I'm becoming very scared.
Please don't cry for me, Mom.
When I needed you, you were always there.

I have one last question, Mom.
Before I say good bye.
I didn't drink and drive,
So why am I the one to die?

Moral of the poem; "When you drink, don't drive or when you drive, don't drink."

Saturday, October 24, 2009

Many moons come, many moons go..

Have a laugh:-

This is a story of a Red Indian couple who just got married.

After six months,......... the wife has not conceived. So the couple went to seek the help of the Red 'Chief' who is also the tribe's medicine man.

Indian said to the chief: "Many moons come, many moons go; I come, baby no come, how come?"

Chief to Indian: "Young man, go to the ninth mountain over there and come back after nine months".

After nine months the Indian came back to the village.. He went to his wife and saw his wife carrying a baby. At once he pulled the wife to see the Chief.

He said to the Chief: "Many moons come, many moons go, I no come, baby come, how come?"

The Chief turned to the wife for an answer.

The wife said: "Many moons come, many moons go, you no come, many men come"

Charlie Chaplin's 3 Heart touching statements;
1st - Nothing is permanent in this world, not even our Troubles.
2nd - I like walking in the rain, because nobody can see my tears.
3rd - Most important, most wasted day in life is the day in which, we have not laughed. And i hope this blog can make you laugh.

Friday, October 23, 2009

Positive mental thought.

Erina did not sound too confidence over the phone. She was worried her business is dropping and complained bills are difficult to collect. She hopes to do better.

The word 'Hope' wasn't good for her. Hoping is unsure and uncertain. Hoping is either way, doing better or might not! I told her, 'believe' is stronger than 'hope.' She should say, "I believe i will do better."

A strong belief in our mind is positive energy. I shared my positive mental thought with her with an illustration. Most people complained, it is always difficult to park their cars in the centre of our town, especially peak hours. Not me! Each time when i needed to get a parking space during my working hours, i believed there ought to have a place for me when i arrived. Before reaching my destination, i would focus my mind with a belief , "The Mighty Universe, please let me have a parking space when i reach this place." Believe me! It worked most of the time when i would get one. Otherwise i just had to wait for two to three minutes around the area, there bound to have a kind motorist who would be moving his car out for me.

I don't consider this as magic or coincidence, but it is the belief of the mind that positively helps me to fulfill my good intention. I advised and encouraged Erina to test herself first, to see whether positive mental thought works for her. As far as i am concerned, it works beautifully and effectively in my day to day's life. Please try yourself too. You would be amazed.

Something for my readers - "Before you judge me, try walking awhile in my shoes!" ~ Eric Harvey.

Thursday, October 22, 2009

Do you need a manhood plan?

Woman is always being treated special. Our company has a unique plan for woman, the tag line is written "Celebrate the joys of being a woman". Our lady plan provides protection for women of all walks of life, by offering protection against female illnesses such as breast and cervical cancer. It is selling very well. However i am wondering why there is no Gentleman plan for males.

In order to test whether a manhood plan is equally accepted in the market, i called a lady client for a preview. Over the phone i introduced this new product. The latest manhood plan covers male impotence. It is only available to all males who live a normal life. Before cover could be effected, prospective customer has to qualify with an erection test on his penis. The protection is against erectile dysfunction. The plan would pay out the benefits if sexual dysfunction is confirmed.

Do you know what happened after that call to the lady??? I was flooded with more calls from husbands and wives who were interested to buy this Manhood Plan. Its time for our industry to create and cater the needs for manhood.

Can he be right? - "An erection is like the Theory of Relativity - the more you think about it, the harder it gets" ~Author Unknown.

Wednesday, October 21, 2009

It was a joyful feeling.


How truly is this statement, "The best & most important things in the world cannot be seen and even touched. They must be felt with our heart".

Smith, a journalist was on an oversea trip with the CEO of AirAsia Airline. The flight was a compliment from this big boss. Before the flight, Smith had to complete a form with a key question. In case of an emergency, who is the next of kin to be contacted. He wrote Robert Foo. Out of curiosity the big boss asked who Robert Foo is. He promptly explained and introduced that Robert is his personal life insurance agent. He did not name any of his family members. The big boss said he had done the right thing, because the most suitable person to handle an emergency, especially death or an accident case, is a committed and a professional life insurance agent. He knows the right procedures and steps to make things easier for the survivors to live. According to the big boss of this airline, he had never seen any passenger mentioning or stating their agents as the next of kin in their flight records. He believes Robert Foo must be a special agent who has earned the trust and confidence from this friend here. Wow! That was nice to hear.

At the same time, Smith took out from his wallet, a special name card with these few words imprinted; "IN CASE OF EMERGENCY contact Robert Foo." He never fails to carry this card whenever he goes out, and i was the one who gave it to him. I am glad he had taken my advices and i felt wonderful to be admired and accepted as a trusted life insurance agent.

Tuesday, October 20, 2009

Shall i tell my mistakes?

Selling tip...

One of my insurance colleague came to seek my advice on a claim matter. Her client had accidentally broke their home bathroom glasses. This servicing agent had given the wrong information that their householder fire insurance could cover glass damages. When their claim was rejected by the insurance company, the agent was at lost and did not know how to explain to her client.

This was what i told the confused agent who was afraid to meet her customer. Be brave to meet the client, be willing to tell the truth, and to admit she had misinformed them. After all nobody is perfect, and one has to make the mistakes to learn in life. Since the claim is small, amounting to only a few hundred dollars, be prepared to pay for the damages herself if the client isn't happy with the explanation.

Success could be achieved when one has the creditability and trust from our clients. Is not wrong to make mistakes but is more wrong when mistakes are not admitted. Nobody likes to deal with a person who is shy and timid. A confident person is one who is brave and honest.

I was glad this agent took my advice, and she did what i told her to do. The outcome ended well with a satisfying client who in turn recommended her to more prospects and sales.

My strongest belief -“Integrity is telling myself the truth. And honesty is telling the truth to other people.” -Spencer Johnson.

Monday, October 19, 2009

Walking down memory lane.

Things change as the world changes. Fifty years ago when Ah Kow met Ahmad, they greeted each other with this opening gesture. "Hello Ah Kow! Long time no see. How are you? How many children have you got now?"

If Ah Kow could say he had a dozen kids, and all were sons, he would be considered as rich and successful. On the hand, if all his children were daughters, he would be a sorrowful father. Those days, the more children they had, the happier they were. Children were wealth and assets to them. Especially sons who could bring luck and strength to their families.

Today is totally different. When Kenneth meets Azhar, most likely their conversation would be..."Hi Buddy! How d? What are you now?" Follow by many questions; what cars are you driving? where are you staying? which clubs you go? what holidays you like? where do you normally shop? where do you dine often? do you play golf? where do you send your children to study?

Are those questions relevant??? The cars you drive resemble status image. Whereas Ah Kow had only a bicycle then. If you are staying in a Country Homes, you are somebody today. So sad, Ahmad and Ah Kow were living in kampong and in village only. Kenneth might be playing in an elite Royal Club, rubbing shoulder with the great guns in town. When Ah Kow could be playing mahjong in coffee shop. Azhar and family shop at Star Hills or take holidays to London for a shopping spree. While Ahmad did shopping once a year during the Hari Raya at the local China Town. Kenneth send his two children to the International School, and planning them to study in England later. Unfortunately all children of Ah Kow and Ahmad could only study in the National Government school.

Is a rat race of today when everybody is chasing their dreams and want. Is a materialistic world of the present when we tend to possess rather than to appreciate what the little we had of the past. Ah Kow and Ahmad were easily contented, they were happy and proud with many children around. Whereas Kenneth and Azhar insisted that happiness could only come when success is achieved first. They believe too many children would be a burden, while making sure their life style is at tip top.

As i walked down this memory lane of the past, comparing the present world of today, i still think my parents were much a happier people then. However i can't make the change and i have to accept changes in life, and be contented and satisfied with what i have and had.

Food for thought - "The past is our definition. We may strive, with good reason, to escape it, or to escape what is bad in it, but we will escape it only by adding something better to it" ~Wendell Berry

Sunday, October 18, 2009

Happy Deepavali.


Yesterday was a Deepavali celebration for all Hindus. Jameel called to request for a special text message wishes, so that he could forward to all his Hindu friends. I asked him whether he wants the diplomatic, formal, gentle, loving or the naughty one. He preferred the loving and the naughty format.

I created two for him;

Message One...

"Most of the things we desire are expensive.
But the truth is: the things that really Satisfy us are free;
Love,
Joy,
Peace,
Laughter, &
a Good Friend! Dats me Robert Foo.
Happy Deepavali, a festival of light & love for this friend who is reading my wishes".

Message two....

"Specially to this naughty friend...
7-Days makes one weak.
7-days of sex makes 1 weak, but no sex in a week makes 1 Sick.
However, good Sex once a week makes one seek!
Have you had yours this week???
Otherwise your Deepavali won't be complete. Happy Deepavali to You".

Jameel likes these messages, he prefers the second one.

Something i learn from Gandhi (1869-1948) - "You must be the change you wish to see in the world".

Saturday, October 17, 2009

At loggerheads on marriage terms.


Something interesting to share.....

Dear Robert,

How are you?

This is my 1st email to you. I am Wan, sometimes commented on your blog. Hope you could recall.

I enjoy reading your blog as I could learn a lot from your experience. It is very nice of you to share with all of us.

The reason I am writing to you is to seek your opinion and advice on a problem faced by my cousin.

He is getting married next couple of months. However, due to religious matters, they are unable to come to a conclusion.

The bride’s family is a strong believer in Christianity and that they forbids the bride and groom to carry out the tea-serving ceremony.

They believe that tea-serving ceremony is bad for the newly-wed couple.

As the tea-serving ceremony is a Chinese culture (not Buddhism), the grooms family insist to have the ceremony, especially the elderly are still around.

They suggested to serve Chocolate and flower in replacement of the tea. But I guess it would become a laughing stock later.

So, the grooms family agreed that their son should serve tea, while their daughter-in-law to-be will serve chocolate and flower.

However, the bride’s family insists that tea-serving ceremony should not be carried out. They even hinted that they will boycott the wedding ceremony if tea-ceremony is to be carried out.

Their unsolved matter really creates headache, not to the couple only, but also both families.

I see you as a man full of wisdom, and I would like hear your point of view.

What do you think, Robert?

Thanks, Robert.

Best regards,

Wan.
.............................................................................................................
My reply to Wan....

Hi Wan,

It was so nice of you to write to me, more so from a keen reader of my blog. Yes! I remember your name Wan, who had on several occasions commented beautifully on those titles. Just that, i thought Wan was a Malay because your full name in Chinese wasn' there.

Aha! You had an interesting problem over at your side. Thank you for sharing this story and allowing me to ponder my mind.

Wan, remember as long as human exist, there has to be problems and more. After all, man is created with feeling and emotion. You can't expect everyone on earth to think alike. However the wiser one, or the smarter one understands better than those who are not.

As far as your cousin and fiancee are concerned, they have to accept the fact..."getting marry is a challenge in life". As they move forward as man & wife, they have to shoulder and share all difficulties to make themselves happy. For the better and worst, they have to learn to love and help each other on the way. They should be glad that such unpleasant event is happening now. Getting marry is not just between the bride and the bridegroom. Is two families marrying together as well. Meaning, the groom has to marry the bride to understand the entire family of hers, and that applied to the bride too.

I can't imagine, how this couple could live happily together after marriage, when in the first place, they could not solve this little misunderstanding between their both families currently. The man has to be strong and brave, guiding and inspiring his mate. He has to be smart and loving, to understand the facts of life. My suggestion to them, first the man has to build his confidence to win his in laws' heart. Together with his fiancee, try to spend more time with her parents to understand them. Elderly people could be difficult to manage because they have pride and self esteem but with some soft and tender words, the future son in law might melt their heart. Meanwhile allowing the fiancee to soothe the heart of his parents also. It is advisable that the parents from both side should not meet, until the children could soften them. My belief, "Words motivate and words can heal, speak them through the heart. Love seldom fails".

Finally if for any reason, the above doesn't solve, ask the man how much he loves the lady. If their love is strong and unbreakable, then go ahead with the marriage without the consent from their parents. My another belief, "Live for yourself to be happy, and not be afraid of what others see in you".

The above is my own personal opinion. I wish this couple the best of luck.

Warmest regards,

Robert Foo.
..........................................................................................................................................................
Specially for this couple - "Love is not sweet talks and flowers, but love is forgiving and compromising."

Friday, October 16, 2009

How To retire?


This is a MUST READ for those about to retire, and also for those who have retired, no kidding - the BEST ADVICE EVER !!! Auther..one who has a rich heart to share.. Unknown!!!

How To Retire - must read. Golfers included

4 Pre-Conditions for Retirement

I retired in year 2000 at age 52. I am now 61, thus I can claim that I got more experience at retirement than most!

I thought I should share my experience with mariners because I have seen too many friends and neighbours who became so bored that they have become a nuisance to their spouse and children and to others!

A few of them have solved the problem by going back to work. They were able to do so because they have a skill/expertise that is still in demand. The rest (and many are my neighbours) live aimlessly or are waiting to die - a very sad situation, indeed.

You can retire only when you fulfil these 4 pre-conditions:
1.Your children are financially independent (e.g. they got jobs)
2.You have zero liability (all your borrowings are paid up)
3.You have enough savings to support your lifestyle for the rest of your life, AND most
importantly,
4.You know what you would be doing during your retirement.

DO NOT retire till you meet ALL 4 Pre-Conditions. And of course you should not retire if you enjoy working and are getting paid for it!

The problem cases I know of are those who failed to meet Pre-Condition #4.

When asked, "What would you be doing during your retirement?" Some replied, "I will travel and cruise and see the World".

They did that, some for 3 months and then ran out of ideas.

The golfers replied, "I can golf every day." Most could not because they are no longer fit to play well enough to enjoy the game. Those who could, need to overcome another hurdle - they need to the find the "kakis" to play with them.

It's the same with mahjong, bridge, badminton, trekking and karaoke - you need "kakis"!

Most could not find others who share their favourite game and playing/singing alone is no fun. AND when they do find them, a few of them found that they are NOT welcomed like my obnoxious neighbour whom everyone avoids.

Thus if you are into group sports or games, you must form your groups BEFORE you retire.

You need to identify your "kakis", play with them and discover whether they "click" with
you.

The less sporty "can read all the books bought over the years".

I know of one guy who fell asleep after a few pages and ended up napping most of the time! He discovered that he did not like to read after all. We do change and we may not enjoy the hobbies we had.

Routine Activities To Fill Your Week. For most people, your routine work activities are planned for you or dictated by others and circumstances.

When you retire, you wake up to a new routine - one that you yourself have to establish as nobody else would do it for you!

The routine to establish should keep your body, mind and spirit "sharpened". A good routine would comprise:

a) One weekly physical sport - you need to keep fit to enjoy your retirement. If you are the non-sporty type, you should fire your maid and clean your home without mechanical aids. Dancing and baby-sitting are good alternatives.

b) One weekly mind stimulating activity - e.g. writing, studying for a degree, acquiring a new skill, solving problems or puzzles, learn or teach something. You need to stimulate your mind to stay alive because the day you stop using your brain is the day you start to die.

c) One weekly social activity - choose one involving lots of friends/neighbours. Get yourself accepted as a member to at least 3 interests groups. Unless you prefer to be alone, you do need friends more than ever as you get older and less fit to pursue your sport.

d) One weekly community service activity - you need to give to appreciate what you have
taken in this life. It's good to leave some kind of legacy.

With 4 weekly activities, you got 4 days out of 7 covered. The remaining 3 days should be devoted to family related activities. In this way, you maintain a balance between amusing yourself and your family members.

Any spare time should remain "spare" so that you can capitalise on opportunities that come your way like responding to an unexpected request to do a job or to take advantage of cheap fares to see places or to visit an exhibition.

Mind stimulating activities
Most judges live to a ripe old age. They use their brains a lot to decide on cases. I am
sure MM Lee's brain works overtime. He's 80+ and still going strong. In "Today" you would have read of 2 inspiring oldies. One is a granny who learned to play the guitar at age 60 to entertain her grandchildren. She's 70+ today and those grandchildren have grown to play with her. Another is an Indian radiologist who on retirement, qualified as an acupuncturist. He's age 77 and still offers his services (by appointment only) including free ones to those who have no income.

I guarantee you that they are happy people who discovered a "2nd wind" to take them to the sunset with a smile on their faces.

Mind stimulating activities are hard to identify.
They require your will to do something useful with the rest of your life, a mindset change and the discipline to carry it through.

Your Bucket List
Despite your busy routine, you will at times be bored. Then it's time to turn to your Bucket List.

Your bucket list contains a list of things to do before you kick the bucket. They are not routine and are usually one off activities.

You need them to have something to look forward to. These include anniversaries, trips (and pilgrimages), visits to friends and relations abroad, re-doing your home, tending conferences (related to your hobbies), acquiring a new set of expertise. 4 such activities that are spaced our quarterly would be ideal.

Retirement Is A Serious Business
If you can afford to retire and want to, do prepare to live to your fullest.
You need to be fit to enjoy it - therefore get into shape now.

You do not want to get up on a Monday and wonder what to do each week, therefore identify your set of weekly routine activities now and try them out to confirm that they are the activities that you will be looking forward to doing each week, week after week.

You bucket list of "rewards" or "projects" or"challenges" is needed to help you break away from the routine thereby make live worth living.

Start listing what you fancy and refine it as you chug along in your retirement. You will have so much fun, you would wish you were retired since your turned 21!

Food for thought - "When a man retires, his wife gets twice the husband but only half the income" ~Chi Chi Rodriguez

Thursday, October 15, 2009

Silicone Vibrator versus Man Sexual prowess.


Mary is my childhood friend. Her brother is my classmate, we grew up together. She got marry in her twenties, but the marriage didn't last long. After her divorce, she remains single and happily working as a professional nurse till today. As almost like an elder brother to her, i used to call her often over the telephone chat. Two years ago, she found a boyfriend who is 10 years younger to her. Though they have no intention to get marry, the relationship keeps her sexually satisfied and happy. At least she won't feel lonesome, and more so a shoulder to lean on when she is sad. I felt happy for this sister as well.

Since i had not spoken to Mary for many months, i called her last nite. Of all the stories she related to me, this really caught me in a limbo. During her last birthday, her boyfriend bought her a special gift from Hong Kong. Nobody would believe it! She received a toy, or to be exact a silicone vibrator for female. Is an eight inches long artificial penis operated by batteries. According to this aggressive sister, this vibrator works wonderfully. Just a few seconds of vibration over the clitoris, the sensation is much more intense than the real one. Ever since this toy is in her hand, she feels than man isn't important to her any longer. The boyfriend regretted of buying this gift for her. She claimed that other women are also using this similar toy for sexual satisfaction whenever their personal need isn't fulfilled.

I was only listening, and i don't think she knew i was upset and felt out of place as a man. In my mind, i just could not believe a little toy could replace a man. Ever since when Adam was created, Eve as a woman was there to appease man. Through revolution changes, i feel sorry for Adam of today, because he is no longer be used by Eve. I am just pondering, is she hiding her feeling when she is not prepared to be responsible to a relationship. Is this her own individual feeling or most female think alike. Hello gentlemen out there! What do you think?

With some doubts, i spoke to my loved one this morning regarding the above. She was very understanding to tell me, "Darling! Sex is a part of nature. I go with nature. What about you?" It was a relieve to me. I replied, "Sweetheart...same with me. I need the physical and mental touches".

I like Robert Heinlein's statement - "Sex without love is merely healthy exercise"

Wednesday, October 14, 2009

My daughter is getting marry.



Today i had a chance to meet up with Chee, a good friend for almost thirty five years. Over lunch he handed a wedding invitation card to me. He was over joyed to mention his eldest daughter is getting marry this Sunday. He was excited and a bit nervous because he needs to give a short speech on that evening dinner. He seek my assistance to write a speech text for him. He knew i could understand him because i saw him getting marry and eventually seeing his four children grown. I didn't know a life insurance agent has to provide such services as well! I agreed and here is my script written on behalf for this friend.

To be spoken by Chee..."Ladies & gentleman, girls & boys, relatives & friends, it's indeed a happy and gracious moment to see all of you here today. Today is the marriage between my daughter, Mable and this handsome son-in-law, Brandon.

Before i go further, let me relate a story to you. Twenty eight years ago, there was a nite of heavy rain and strong wind. It was a stormy nite when a man and a woman were alone. It was bitch dark and cold, that permitted the couple to stay on bed all nite long. Nine months later, because of that thundering nite, a little cute baby girl was born. The husband and wife were very excited and happy, she was their first girl in the family. And i believe all parents love their new born. As the little baby grew, the parents had to shoulder many expected and unexpected life's problems. They had to care for her health and well-being, making sure she would grow up beautifully. They had to ascertain her education, guiding and showing her the knowledge and understanding of life. After she had completed her studies successfully, they were concerned whether she could find a right employment or career then. As adult, she grew to be more prettier and smarter, when there were many male friends who were trying to woo and court this little darling of theirs. As parents, they were worried again, not knowing who would be the rightful man for their daughter. I think all parents react the same, as all parents have concern over their children. No matter how young or old they are, children are always babies to them. Right? Coz all parents love their own children.

Today this little darling is our daughter Mable. Today my wife and myself are the happiest couple here, because Mable has finally found her dream man Her ideal man is going to release our responsibilities as parents to her. He promises to love our little darling as long as he lives. We are equally proud of this handsome and capable man, because we trust and have confidence he would provide love and care to our daughter. This interesting man is no other than my son in law, Brandon.

To all my guests who attend and witness their wedding, we sincerely thank you so much for coming to this function today. Thank you also for all your lovely gifts and red packets.

Before ending my speech, i would like to introduce my great son in law and his pretty wife now. Lets toast to this newly married couple. Yam sengggg!!!!"

I wrote and spoke the heart of my friend who has been working hard for this important occasion. Love has brought him together with his family, and love again has brought Mable and Brandon as husband and wife too. Before i left Chee, i offered another suggestion to him for the dinner this Sunday. When Brandon gives his speech for the nite, ask him why he loves his daughter. If he could answer well through his heart and soul, he would make a better son in law to Chee. Personally i am looking forward to this Sunday wedding.

For those who intend to get marry - "A successful marriage is an edifice that must be rebuilt every day" — Andre Maurois (1885-1967)

Tuesday, October 13, 2009

Proud to be an Indian.



Brillant and oh so gifted...... ......
he was on Oprah....... .....watch the youtube..... ...

This lad indeed has a gifted brain.... His parents used to sell portion of their investments to purchase his Medicine related books that he wanted to study and today he gets everything from people who really want him to fulfill his dreams....

A year ago a footage emerged from a remote village in India . The video showed a young girl receiving surgery to separate her fingers, which were badly burned and fused together. Why did this operation make headlines around the world? The surgery was performed by a 7-year-old boy named Akrit Jaswal.

Now 13 years old, Akrit has an IQ of 146 and is considered the smartest person his age in India a country of more than a billion people. Before Akrit could even speak, his parents say they knew he was special.

'He learned very fast,' says Raksha, Akrit's mother. 'After learning the alphabet, we started to teach him joining of words, and he started writing as well. He was two.'

At an age when most children are learning their ABCs, Akrit was reading Shakespeare and assembling a library of medical textbooks. When he was 5 years old, he enrolled in school. One year later, Akrit was teaching English and math classes.

Akrit developed a passion for science and anatomy at an early age. Doctors at local hospitals took notice and started allowing him to observe surgeries when he was 6 years old. Inspired by what he saw, Akrit read everything he could on the topic. When an impoverished family heard about his amazing abilities, they asked if he would operate on their daughter for free. Her surgery was a success.

After the surgery, Akrit was hailed as a medical genius in India . Neighbors and strangers flocked to him for advice and treatment. At age 11, Akrit was admitted to Punjab University . He's the youngest student ever to attend an Indian university. That same year, he was also invited to London 's famed Imperial College to exchange ideas with scientists on the cutting edge of medical research.

Akrit says he has millions of medical ideas, but he's currently focused on developing a cure for cancer. 'I've developed a concept called oral gene therapy on the basis of my research and my theories,' he says. 'I'm quite dedicated towards working on this mechanism.'

Growing up, Akrit says he used to see cancer patients lying on the side of the road because they couldn't afford treatment or hospitals had no space for them.. Now, he wants to use his intellect to ease their suffering. '[I've been] going to hospitals since the age of 6, so I have seen firsthand people suffering from pain,' he says. 'I get very sad, and so that's the main motive of my passion about medicine, my passion about cancer.'

Currently, Akrit is working toward a bachelor's degrees in zoology, botany and chemistry. Someday, he hopes to continue his studies at Harvard University .
Video of the surgery.

http://www.youtube. com/watch? v=oQif24jIGWY

Monday, October 12, 2009

Life is a puzzle!


Life is very funny! The young has little money but is wild and crazy, and is ever ready for love & sex. However when they are old and rich, love & sex might be a difficult task for them, because they are no longer as healthy and strong like before.

The most difficult part of selling life insurance is identifying the right prospects. The younger one is healthy and lively who is considered as the most eligible customers. However they are the least interested and have little to save and plan. Yet...they have all the bullets for love & sex. Of course the older one is wealthy, who has all the means to buy. They are always ready to understand the need for medical and protection. They are too willing to buy insurance immediately. However the saddest thing now is nobody is interested to cover them. Coz along the way, they have gathered much assets and acquired many hidden sicknesses too. Yes! though with money, love & sex isn't reachable anymore.

Moral of the story: Be happy and be apprecative when you are young. Spend wisely and plan early. Be constructive with love & sex and be careful to love your health as well. So that, when you are much older, your wisdom and knowledge would allow you to live joyfully for the rest of your live and yet love & sex is still possible.

Would you agree with this...."Life is a puzzle. Sometimes it makes us laugh. Sometimes it makes us cry".

Sunday, October 11, 2009

Blonde Amateur Hooker.


Have a dirty joke today...

During the recession, Harry and his blonde wife are having a hard financial time, so they decide that she'll try being a hooker.

She's not quite sure what to do, so Harry says, "Stand in front of that bar and pick up a guy. Tell him you charge a hundred dollars. Any question and I'll be parked around the corner."

She stands outside the bar for about five minutes showing her leg, when a guy pulls up and asks "How much?"

She says, "A hundred dollars."

He replies, "All I got is thirty."

She says, "Hold on," and runs back to Harry and asks.

"What now. What can he get for thirty?"

"A hand job," Harry replied.

She runs back and tell the guy all he gets for thirty dollars is a hand job. He agrees and she gets in the car. He unzips his trousers, and out pops this HUGE willy.

She stares at it for a few seconds, then says. "I'll be right back."

She runs back to Harry.

"What's wrong?" he asks.

"Any chance you could lend this guy seventy dollars?
-----------------------------------------------------------------------------------------------
Dirty Mind Quiz -"What is hard, 6 inches long, has 2 nuts & can make a girl fat?"

The answer is Almond Joy Candy Bar and not what you think readers.

Saturday, October 10, 2009

Singh is King !!!Fauja Singh in adidas.



Fauja in Adidas 'Nothing Is Impossible' advertising campaign. He replaced David Beckham as Adidas’s new poster boy.

On the Adidas billboards, spread across London, he was sitting cross-legged; as if cooling his heals after a day’s work out, peeping over Londoners, tired and overworked, telling them the secrets of his unfailing energy.

Fauja Singh , Britain ’s most popular Sikh is 98 now, the oldest runner in London Marathon. He is threatening to break his own world record of 5.40 hours in the 90 plus age bracket that he set previously.

While running Marathon races in London , New York and Toronto , he raised thousands of pounds for various charities promoting Sikh culture around the world.

He has also raised money for B.L.I.S.S., a charity dedicated to the care for premature babies. He describes it as the ‘oldest running for the youngest.

Fauja’s jogging skills were developed on an Indian farm in Punjab, and then at the magical age of 81, when he moved to the UK , his love for the sport became more “serious”.

Fauja Singh (born April 1, 1911) is a Sikh marathon runner in his nineties from India who is a world-record holder in his age bracket.

His current personal best time for the London marathon is 6 hours 2 minutes, and his marathon record, for age 90-plus, is 5 hours 40 minutes.

Fauja Singh shot to fame, when aged 89, he completed the gruelling 26.2 mile distance in 6 hours and 54 minutes.

This knocked 58 minutes off the previous world best for anyone in the 90 plus age bracket. The career of this extraordinary Marathon runner is closely supervised by his personal trainer Harminder Singh.

He says ‘he can still run for a few more years. And perhaps he might be the oldest man to run a Marathon . Fauja Singh came to London in 1992 to live with his son after his wife’s death in his village in Jalandhar. He says ‘Sitting at home was really killing. Most elderly people in Britain eat a rich diet, don’t move about and only travel in cars, and that makes them sick’. He wasn’t prepared to go the same way. So he took up jogging initially to beat the boredom of sitting at home. ‘I never thought of running a Marathon then. But slowly it grew.’

What surprises many is that he supports his eight stone and six feet tall body frame with a very simple vegetarian diet. I am very careful about different foods. My diet is simple phulka, dal, green vegetables, yoghurt and milk. I do not touch parathas, pakoras, rice or any other fried food. I take lots of water and tea with ginger’.

And that smile is eternally fixed beneath his silver haired beard. Perhaps that’s the reason behind his strikingly inspiring and positive attitude.

‘I go to bed early taking the name of my Rabba [God] as I don’t want all those negative thoughts crossing my mind.’

Doesn’t he find it difficult to cover 26 miles at this age?

‘The first 20 miles are not difficult. As for last six miles, I run while talking to God.’ Adidas signed him up for its ‘Nothing Is Impossible’ advertising campaign.

He won’t reveal how much money the deal involves, but says that a large part of his earnings goes to charity.

Fauja Singh has stated,”I won’t stop running until I die. The next target, God willing, is to be the oldest marathon runner ever.

Fauja Singh hopes to return in 2009 to break the record for the oldest marathon runner - presently held by a 98-year-old Greek athlete.

His profile as found in the face book
Born: 1st April 1911 in India
Former Occupation: Farmer
Running Career: Rediscovered at age of 81
Diet: Ginger Curry
Marathons: London (5), Toronto (1), New York (1)
Marathon Debut: London , 2000 aged 89
London Marathon Personal Best: 6h 2m
London Flora Marathon 2000 6 Hours 54 m
London Flora Marathon 2001 6 Hours 54 m
London Flora Marathon 2002 6 Hours 45 m
Bupa Great North Run (Half Marathon ) 2002 2h 39m
London Flora Marathon 2003 6h 2m
Toronto Waterfront Marathon 2003 5h 40m
New York City Marathon 2003 7h 35m
London Flora Marathon 2004 6h 7m
Glasgow City Half Marathon 2004 2h 33m
Capital Radio Help a London Child 10,000m 2004 68m
Toronto Waterfront Half Marathon 2004 2h 29m 59s

After reading his story; "I feel even much younger. After all, Age is only a number".

Friday, October 09, 2009

Pulitzer prize awardee speech.


This was a speech made by Pulitzer Prize-winning author, Anna Quindlen at the graduation ceremony of an Amercian university where she was awarded an Honorary PhD.
____________ _________ _________ _________ _________ _________ _____

"I'm a novelist. My work is human nature. Real life is all I know.

Don't ever confuse the two, your life and your work. You will walk out
of here this afternoon with only one thing that no one else has. There
will be hundreds of people out there with your same degree: there will
be thousands of people doing what you want to do for a living. But you
will be the only person alive who has sole custody of your life. Your
particular life. Your entire life. Not just your life at a desk or
your life on a bus or in a car or at the computer. Not just the life
of your mind, but the life of your heart. Not just your bank accounts
but also your soul.

People don't talk about the soul very much anymore. It's so much
easier to write a resume than to craft a spirit. But a resume is cold
comfort on a winter's night, or when you're sad, or broke, or lonely,
or when you've received your test results and they're not so good.

Here is my resume: I am a good mother to three children. I have tried
never to let my work stand in the way of being a good parent. I no
longer consider myself the centre of the universe. I show up. I
listen. I try to laugh. I am a good friend to my husband. I have tried
to make marriage vows mean what they say. I am a good friend to my
friends and them to me. Without them, there would be nothing to say to
you today, because I would be a cardboard cut out. But I call them on
the phone and I meet them for lunch. I would be rotten, at best
mediocre, at my job if those other things were not true.

You cannot be really first rate at your work if your work is all you
are. So here's what I wanted to tell you today: Get a life. A real
life, not a manic pursuit of the next promotion, the bigger pay
cheque, the larger house. Do you think you'd care so very much about
those things if you blew an aneurysm one afternoon or found a lump in
your breast?

Get a life in which you notice the smell of salt water pushing itself
on a breeze at the seaside, a life in which you stop and watch how a
red-tailed hawk circles over the water, or the way a baby scowls with
concentration when she tries to pick up a sweet with her thumb and
first finger.

Get a life in which you are not alone. Find people you love, and who
love you. And remember that love is not leisure, it is work. Pick up
the phone. Send an email. Write a letter. Get a life in which you are
generous. And realize that life is the best thing ever, and that you
have no business taking it for granted. Care so deeply about its
goodness that you want to spread it around. Take money you would have
spent on beer and give it to charity. Work in a soup kitchen. Be a big
brother or sister. All of you want to do well. But if you do not do
good too, then doing well will never be enough.

It is so easy to waste our lives, our days, our hours, and our
minutes. It is so easy to take for granted the colour of our kids'
eyes, the way the melody in a symphony rises and falls and disappears
and rises again. It is so easy to exist instead of to live.

I learned to live many years ago. I learned to love the journey, not
the destination. I learned that it is not a dress rehearsal, and that
today is the only guarantee you get. I learned to look at all the good
in the world and try to give some of it back because I believed in it,
completely and utterly. And I tried to do that, in part, by telling
others what I had learned. By telling them this: Consider the lilies
of the field. Look at the fuzz on a baby's ear. Read in your balcony
with the sun on your face.

Learn to be happy. And think of life as a terminal illness, because if
you do, you will live it with joy and passion as it ought to be
lived".

Thursday, October 08, 2009

Little pain saves the bigger pain.

Few years ago when Honey Lee bought her hospital & surgical insurance from me, she was crying in pain. She had to cough out some money every month to pay for this medical card. Initially she had to adjust her spending, to spend less on dresses and makeup or to see lesser movies a month. She could feel the pain in her pocket. There were several occasions when she wanted to terminate this plan, but i was there to resell her again. In my heart, i know one day she might need this insurance much more than me.


Few days ago, Honey Lee was admitted to a private hospital who requested her to remove a growing tumour in her stomach. Without further delay, her family advised her to be operated immediately. The entire surgical procedure costs a bomb, but to her relieve every single cent is going to be payable by the insurance company. The little pain of the medical premium, saves her burden. Otherwise she would have a bigger pain now. I spoke with her this afternoon, after her successful removal of the tumour yesterday, she was glad that i had insisted her to keep our medical cover. The bigger pain was saved by the little pain. Or avoid the saying; "Penny smart, Pound foolish".

I repeat this statement - "Buy insurance when you don't need it, coz when you need it, you can't buy".

Wednesday, October 07, 2009

Is life insurance a MLM company?


This year our company has 81 agents who had qualified as member for the elite Million Dollar Round Table (MDRT) over a total of more than 8000 agents nationwide. It represented 1% of our entire agency force. Founded in 1927, MDRT is the US-based premier association for the world's leading financial professionals in the life insurance business.

Out of the 81 members, four is considered as life member with membership of 26 yrs (one), 14 yrs (one), 11 yrs (one) and 10 yrs (one), and the rest range from 9 yrs to only 1 yr. Sometimes i wonder what happened to the rest! Not forgetting our company has been operating in this part of the country for more than 80 years.

The role of a life insurance agent is to sell insurance and be successful to build a strong clientele. At the same time to grow and serve the clients professionally throughout his life long career. I was brought up in this manner and culture, when i started selling insurance twenty seven years ago. We were taught the ethic, commitment, and the passion to enjoy selling to the needed one. We love being a life insurance agent, to preach with determination, to offer peace of mind to the master of the family, to offer financial assistance in an untimely death, to provide education for the children, and to offer a better future to the survivors.

However things have changed as environment and people changed. Today i look at our industry as more like a multi-level marketing (MLM) company. We talk more on recruitment rather than on the passion of selling life insurance. We talk more on making money from the overriding commission, incentives and oversea trips, rather than on 'love & concern' with our customers.
We talk more on the number of new agents brought in, rather than on the death cases we assisted. We no longer sell with the passion as a life insurance agent, but rather as an agency builder who commands glamour and admiration from the company.

I believe we have deviated from our original intention to sell as a life insurance agent. Making money is important. Saving and protecting lives is even more important. Though i might not be making as much as my colleagues who hold a higher level of agency, i still opt to remain and be focus in my selling as a life insurance agent.

I love this proverb - "No life ever grows great until it is focused, dedicated and disciplined." - Source Unknown.

Tuesday, October 06, 2009

Talking rubbish is fun.


Sometime is fun talking rubbish over a spa with some retired old men. One shared this with us. His most expensive place in his house is his bathroom. He almost spent a fortune to renovate and redecorate this bathroom which he considers as the ideal place to rest and relax. For inspiration, he could be spending hours in it or to read all his newspapers he doesn't mind to spend the whole morning in it too. Taking his bath twice a day would take another two hours. You and i could never be like him!

Master Lee is a herbalist. According to him, sleeping is the most unproductive time of the day. Although he is 58, he almost works all day and night. He only sleeps two hours a day in the early part of the morning. The only time he sleeps much more is when he falls sick. I wonder whether he has time to make love, and honestly we have not seen his wife before. I think his wife got fed up with the man who doesn't sleep.

We really like this one. Do you know why most lady left breasts are bigger than the right one? All of us were scratching our head!!! Because most men are right handed. If you still don't know the answer, then i think you are really a nut.

Came my turn to share. Have you ever angered you wives or girlfriends so much that they really hated you with despair? What is the best way to resolve the problems. I quoted this power phrase to simplify their thought - "Darkness cannot drive out darkness; only light can do that. Hate cannot drive out hate; only love can do that" --Dr. Martin Luther King Jr.

Monday, October 05, 2009

Be careful with the unscrupulous agents.


Have you ever been approached by life insurance agents, who told you that your current policies are outdated and need to be replaced with their new plans? Be aware! Most unprofessional agents who work with unethical practices would tell you that the old plans have weaknesses and defects, whereas their new covers serve you better. By relating the wrongful information, many new sales could be sold for their own personal gains, rather than benefited by their new clients.

In fact, i believe most rookie agents or those who are new in the industry, might not know how the old plans work. Some of the old policies which i sold twenty years ago, could not even be explained by our customers support, what more by these new recruited agents. Ask them the current plans, they would be the experts on the benefits but they know very little on the old products. Not knowing the old plans, they revert to market to say the old is not practical in our current living. They have forgotten, the old plans were calculated with a cheaper rate of premium and the return of investment is greater, especially at a much later year.

I strong believe, no life insurance plan available is considered as lousy, immaterial of the old or new version. Most important, the plans have to be sold according to the needs of our clients. A good reliable agent would never request his prospects or existing clients to surrender or change their current plans, unless it is really necessary when the benefits actually serve the customers. Many agents are efficient to sell the first policy to their clients but not efficient to review and recommend more policies to the same customers. To review and assess of insurance coverage for an indivdual needs experience and knowledge, and not many committed agents could stay long enough in this career to learn the final art of selling.

So the next time, if an unscrupulous agent requests you to change your existing policies, report and check with the insurance companies which offer you the covers. The truth is; old might be still good and new might not be good either.

Food for thought - "It is possible that the scrupulously honest man may not grow rich so fast as the unscrupulous and dishonest one; but the success will be of a truer kind, earned without fraud or injustice. And even though a man should for a time be unsuccessful, stil" - Samuel Smiles quotes.

Sunday, October 04, 2009

100 kisses!!!

A husband working abroad wrote to his wife.....
Dear Sweetheart,

I can't send my salary this month, so I am sending 100 kisses You are my sweetheart..

Your loving husband,
--------------------------------------------------------------------------------------------------------------------------------
His wife replied

Sweetheart Dearest,

Thanks for the 100 kisses, below is the list of expenses I paid with the kisses...

1. The Milk man agreed on 2 kisses for one month's milk.
2. The electricity man agreed not to disconnect us only after 7 kisses.
3. Your landlord comes every day to take 2 or 3 kisses instead of the rent
4. Supermarket owner did not accept kisses only, so I gave him other items; hope you understand.. .
5. Other expenses 40 kisses.

Please don't worry about me, I have a remaining balance of 35 kisses and I hope I can complete the month using this balance...

Shall I plan the same for next month? Please Advise!!!

Your Sweet Heart,


Moral of the joke - "Man is smart but woman is even more smarter. Don't play play with them!"

Saturday, October 03, 2009

Non-violence in parenting.


Dr. Arun Gandhi, grandson of Mahatma Gandhi and founder of the M.K. Gandhi Institute for Non-violence, in his June 9 lecture at the University of Puerto Rico, shared the following story as an example of "non-violence in parenting":

"I was 16 years old and living with my parents at the institute my grandfather had founded 18 miles outside of Durban, South Africa , in the middle of the sugar plantations. We were deep in the country and had no neighbors, so my two sisters and I would always look forward to going to town to visit friends or go to the movies.

One day, my father asked me to drive him to town for an all-day conference, and I jumped at the chance. Since I was going to town, my mother gave me a list of groceries she needed and, since I had all day in town, my father ask me to take care of several pending chores, such as getting the car serviced. When I dropped my father off that morning, he said, ' I will meet you here at 5:00 p.m., and we will go home together.'

After hurriedly completing my chores, I went straight to the nearest movie theatre. I got so engrossed in a John Wayne double-feature that I forgot the time. It was 5:30 before I remembered. By the time I ran to the garage and got the car and hurried to where my father was waiting for me, it was almost 6:00.

He anxiously asked me, ' Why were you late? ' I was so ashamed of telling him I was watching a John Wayne western movie that I said, ' The car wasn't ready, so I had to wait, not realizing that he had already called the garage. When he caught me in the lie, he said: 'There' s something wrong in the way I brought you up that didn' t give you the confidence to tell me the truth. In order to figure out where I went wrong with you, I'm going to walk home 18 miles and think about it. '

So, dressed in his suit and dress shoes, he began to walk home in the dark on mostly unpaved, unlit roads. I couldn't leave him, so for five-and-a-half hours I drove behind him, watching my father go through this agony for a stupid lie that I uttered. I decided then and there that I was never going to lie again.

I often think about that episode and wonder, if he had punished me the way we punish our children, whether I would have learned a lesson at all. I don't think so. I would have suffered the punishment and gone on doing the same thing. But this single non-violent action was so powerful that it is still as if it happened yesterday. That is the power of non-violence."

"Forgiveness is giving up my right to hate you for hurting me"

Friday, October 02, 2009

My girlfriend dumped me!

Anonymous has left a new comment on my post "I fell in love with a wonderful married man.": which was written on Jan 22 2008, and had captured a lot of attention worldwide. Yesterday an anonymous had written his personal experience. I think his comment is worth sharing. Please feel free to add further suggestions.

Well, the world has change, for better or worst I don't know.
I'm a guy just being dumped 2 weeks ago by my girlfriend who is in love a guy with a wife after 10 years of relationship.

Everyone that is self proclaim educated will tell you to think about yourself. Well, you can go on.. Do whatever you want. You can create suffering for others or you can keep your self suffering. It's a free world after all. Don't care what's the cause or implication just do it.

To be honest, I don't think a married man would want to divorce his wife. Unless the wife knows about it or the story is the other way round where the wife has an affair and she will be calling her marriage.

Women are more determine to do something for love but not man. Man is just for the pleasure and fun.

For Women, it's excitement without themselves knowing it. Ahem.. maybe married man a great in bed.

There's 2 way out, talk to the wife... But most likely you won't because you like her and you yourself know that he will back out of you if this affair is discovered.

Why do I say this? Cause have just encounter the experience.

You can say I'm bias, but think about it. What if he loves another women later? Divorce? Well that's the trend.. Go ahead.

Maybe you think I'm bias since I just being dump. Well, I'm still suffering from insomnia thanks to the affair who knows I can find a better women after that or become a womanizer. Lives will move on. Don't care whether his wife will end her life... Your life will still move on.


To this anonymous ...Thank you for reading my blog and taking time to share your experiences. Would like to share my belief with you - "Mistakes are our teachers. Including love mistakes". You are totally right, "Just move on with your life".

Thursday, October 01, 2009

I am excited with my work.

It was my satisfying moment when i received this meaningful message from one of my client this morning. It was written; "Hi Robert! I just realised that my daughter's educational policy is maturing next month. What is the next step? From Mokhzidah".

I instantly replied her, "Hi my dear! How are you? Wow! Time really flies and here your daughter is already a sweet grown up child now. Her policy was effected in Jan 1991, when she was a cute little baby then. The plan is maturing only in Jan 2010. I will hand deliver the cheque to you because i am eagerly wanting to see this beautiful girl who looks so sweet like her mum. Ok my dear?"

Her next sms to me, "You are so sweet as always. I also need to confirm that the last premium payment date is Dec 2009. Right? By the way, how much roughly is the amount of the benefit?

To her again, "I am equally lucky to be blessed to know this understanding and loving family. Thank you for being such good friend to me. Your last premium deduction is this Dec. I guess the payment could be 35K or more. Most important to see everyone is still happily around, including this naughty agent who could still sms you now. Right my dear?

Her final message, "Haha! You are a consultant, and not agent anymore".

Before i ended my day, Yaakub, another client who saw our company's advertisement, regarding our agent's MDRT achievement, also sent me a late message. He wrote; "Congratulation for being MDRT for 26 years. Cheers".

I replied this supportive client, "All my good clients, especially the one who is reading my sms now, helped me to reach MDRT every year. Without you guys, i won't have been here. Thank you from my heart great friend".

The past 27 years of selling life insurance has been wonderful, seeing all my clients grow and happy with my commitment. The satisfaction of this career is when you are appreciated and being admired too. As long as i live, i will remain to sell as a life insurance agent.

Food for thought - "I feel sorry for the person who can't get genuinely excited about his work. Not only will he never be satisfied, but he will never achieve anything worthwhile" - Walter Chrysler