Life insurance agent has many roles to play.

What is a life insurance agent roles? To an ordinary layman, agent is basically salesperson who sells insurance products. To me life insurance agent is more than being a salesperson. He is a motivator, trainer, saviour, joker, entertainer, actor, marriage counsellor, match maker, broker, faith healer, preacher, doctor, teacher, financial advisor, banker, wealth builder, horoscope reader, business manager, public speaker, legal advisor and a god father to all his clients. If you have half the experiences of what had been mentioned above, you qualified to join this challenging career. Otherwise please forget this job because I don't think you would make it in the long run. Ah! Forgotten to mention... Make sure you have a patience ear to listen and a wise mind to understand what life is all about. Our career is most rewarding because we have a full range of love products which could solve all mankind needs.

Food for thought - "You never achieve success unless you like what you are doing." - Dale Carnegie.

The asset for women is their beauty.... Part Two.

Hey! Ladies out there, have you effected some medical insurance for yourself? If you are smart you should consider seriously those critical sicknesses and hospital & surgical covers because when you need them, you might not be able to buy them.

Many a time when the husbands intend to purchase life insurance for the wives, they usually think is a waste of money. Instead they say, "Darling please save the cash and lets go for a holiday!" Either they are ignorance, innocence or they thought they were smart. They thought by not buying, they are actually winning. Or perhaps the agents concern are not professional enough to create the awareness and the important of those medical insurances for these housewives.

A story tells everything... A beautiful wife refused to allow the caring husband to effect a good insurance program for her. She was thrifty and careful in spending. She loved the family and she thought with the saving from the life premium, she could spend more on the family other needs. Came one day she fell very sick and was diagnosed with cancer. Within a year this pretty and attractive woman lost all a look and independence. Her medical expenses cost her a bomb. The husband could not raise money and the poor lady had to borrow from her own parents. She is still alive now but sorry to say the man had left her for another woman. Reason, the eyes of the husband had deceived his mind and heart. He no longer sees the sickly wife as beautiful as before. So sad again! The woman lost the man who left nothing for her, except the pain in the heart. If only she had taken the life insurance together with medical, there might be a consolation for her then. Right?

Advice to all women... please consider some life insurance for yourself as it is a way to create security and independence for your well being.

Suggestion to all the men... if you love your wives, please insist to cover them with adequate medical insurances. It is a way to tell them that you love them.

"Be smart and not penny smart, pound foolish"... which might cause you the regret in life later.

Alex Comfort said "A women's greatest asset is her beauty"... I add, "Insure it."

The asset for women is their beauty.... Part One.

Specially for all married women....

In Chinese we have a proverb which says, "Never try to save money on beauty if the wives intend to remain happily married with their husbands". This was spoken because most typical Chinese wives love their family by spending less on themselves, especially on cosmetics and clothing which they thought are the least important on personal spending. They rather spend more on food which eventually turn them to be more fatter and more unattractive. As the eyes are the main senses in our lives, their husbands gradually see more other beauties from the outside instead rather than at home. Meaning, the wives who didn't bother to look attractive at home are losing their beauties to others ladies who are younger, more fashionable and more sexier. Some might even lose their husbands permanently and never see them again. So sad!

Now who is right and who is at wrong? To the layman terms, everyone would say the men are unfaithful and misbehaving but should the women knew how to take care of themselves in the first place, their men should not have gone astray in love.

Some friendly advices to the women. Be thrifty in everyway but never save at the expenses of your beauty and personality. Get the best tips to look beautiful and learn the way encharm your men.

For the men.. If you love your women, encourage them to stay healthy and attractive.

The English proverb is so right... "Don't be penny smart, pound foolish!!!"

Gossiping time is distressing time....

They teach it at Stanford......

"I just finished taking an evening class at Stanford. The last lecture was on the mind-body connection - the relationship between stress and disease. The speaker (head of psychiatry at Stanford) said, among other things, that one of the best things that a man could do for his health is to be married to a woman whereas for a woman, one of the best things she could do for her health was to nurture her relationships with her girlfriends. At first everyone laughed, but he was serious. Women connect with each other differently and provide support systems that help each other to deal with stress and difficult life experiences. Physically this quality “girlfriend time" helps us to create more serotonin - a neuro transmitter that helps combat depression and can create a general feeling of well being. Women share feelings whereas men often form relationships around activities. They rarely sit down with a buddy and talk about how they feel about certain things or how their personal lives are going. Jobs? Yes. Sports? Yes. Cars? Yes. Fishing, hunting, golf? Yes. But their feelings? - rarely. Women do it all of the time. We share from our souls with our sisters/mothers, and evidently that is very good for our health. He said that spending time with a friend is just as important to our general health as jogging or working out at a gym. There's a tendency to think that when we are "exercising" we are doing something good for our bodies, but when we are hanging out with friends, we are wasting our time and should be more productively engaged -- not true.

In fact, he said that failure to create and maintain quality personal relationships with other humans is as dangerous to our physical health as smoking!

So every time you hang out to schmooze with a gal pal, just pat yourself on the back and congratulate yourself for doing something good for your health!

We are indeed very, very lucky. Sooooo let's toast to our friendship with our girlfriends. Evidently it's very good for our health."

My personal observation: Women gossip more than men. Now I know why because gossiping is distressing .

You can't win women.....

Sunday Laugh.....

The doctor, after an examination, sighed and said, "I've got some bad news. You have cancer. You'd best put your affairs in order".


The woman was shocked, but managed to compose herself and walk into the waiting room where her daughter had been waiting.


Well, she said to her daughter, we women celebrate when things are good & we celebrate when things don't go so well. In this case, things aren't well. I have cancer. So, let's head to the club and have a martini. After 3 or 4 martini's the two were feeling a little less somber. There were some laughs and more martinis. They were eventually approached by some of the woman's old friends, who were curious as to what the two were celebrating. The woman told her friends they were drinking to her impending end. I've been diagnosed with AIDS.


The friends were aghast, gave the woman their condolences and beat a hasty retreat.

After the friends left, the woman's daughter leaned over and whispered, Mom, I thought you said you were dying of cancer, and you just told your friends you were dying of aids! Why did you do that ?

The mother replied, "because I dont want any of them sleeping with your father after I'm gone"

And THAT, my friends is what is called.....
Putting Your Affairs In Order

THOUGHT FOR THE DAY.........
Women are like phones:
They like to be held,
talked to and
touched often.
But push the wrong button
and you're disconnected.

True Love....

This is how women appreciate men....

I told her : "I might not be rich, I have no money or villa or cars or companies like my friend John, but I love you and adore you."She looked at me with tears in her eyes and hugged me like there is no tomorrow and whispered in my ear...

"If you love me, introduce me to John..."

To my little darling, would you do this to me?

Lao Tzu....
Being deeply loved by someone gives you strength, while loving someone deeply gives you courage.

Treating Burns...

A simple but effective way to treat burns with the help of egg white.

This method is used in the training of firemen.

When sustaining a burn, regardless the degree, the first aid is always placing the injured part under running cold water till the heat subsides.

And next spread the egg white over the injury.

Someone burned a large part of her hand with boiling water. Despite the pain she held her hand under running water, then took two eggs, parted the yolk from the egg white and slightly beat the egg white and put her hand in it. Her hand was so badly burned that the egg white dried and formed a white film. Later she heard that the egg is a natural collagen.

And during the next hour layer upon layer, she administered a white layer on her hand. That afternoon she didn't feel any more pain and the next day there hardly was a red mark to see. She thought she would have an awful scar but to her astonishment after ten days there was no sign of the burn, the skin had it's normal colour again!

The burned area had been totally regenerated thanks to the collagen, in reality a placenta full of vitamins.

Solution for snoring...............

Have you got snoring problem? I have a way to handle this sleeping vibration. Please read the story to find out more....

The guys were all at a deer camp. No one wanted to room with Bob, because he snored so badly. They decided it wasn't fair to make one of them stay with him the whole time, so they voted to take turns.

The first guy slept with Bob and comes to breakfast the next morning with his hair a mess and his eyes all bloodshot. They said, "Man, what happened to you"?

He said, "Bob snored so loudly, I just sat up and watched him all night."

The next night it was a different guy's turn. In the morning, same thing, hair all standing up, eyes all bloodshot. They said, "Man, what happened to you? You look awful"!

He said, 'Man, that Bob shakes the roof with his snoring. I watched him all night."

The third night was Fred's turn. Fred was a tanned, older cowboy, a man's man. The next morning he came to breakfast bright-eyed and bushy-tailed. "Good morning!" he said. They couldn't believe it. They said, "Man, what happened?"

He said, "Well, we got ready for bed. I went and tucked Bob into bed, patted him on the butt, and kissed him good night. Bob sat up and watched me all night."

How true - “Laugh and the world laughs with you, snore and you sleep alone.” - Anthony Burgess quotes .

When you are angry, make more love....

Something to share with you. When I was a little boy, I used to hear this saying from the old folks, especially when married couples were quarrelling in their houses. In Chinese they said, "Take your quarrels and fight it out from the top of the bed to the bottom!!!" I was scratching my head and was wondering how husband and wife could fight on their bed and solved their problems! No one was willing to explain to this innocent child, me.

As I grew gradually all the naughtiness came. One can be angry and upset at any place and time, but nobody could get angry and be frustrated when you are making love. If you don't believe me, try this... the next time while you are having sex with your partner, try and see whether you could scold and show temper at that moment of pleasure. If you do, I think you are not a normal person.

For all married couples and those who are in love, make a vow to make love when both are having confrontation and conflict. Before things turn worst beyond rescue, the physical touch and hugs could melt all iron fists and all unhappy heart instantly. Yes! Today I too advise all my friends to take their family quarrels and fight them out on bed. It works beautifully.

Sara Paddison, Hidden Power of the Heart - "As you continue to send out love, the energy returns to you in a regenerating spiral... As love accumulates, it keeps your system in balance and harmony. Love is the tool, and more love is the end product".

The Joy of Selling.

Selling tips...

My fellow colleagues asked, "What is the different between selling life insurance 30 years ago and now for me?" Mmmmm!!! Good question.


30 years back when I first started in this career, selling was a job for me, when I needed the money to survive. I had to prospect 10 potential customers to close one case. It was really tough. I had to work an average of 12 hours a day, seeing five to six prospects, sometimes including Sunday and public holidays. The incentives and commission were the main factors to make me work. Today is a different ball game for me. I have converted my career into a hobby. As long as I live, this hobby would keep me going. I still love selling because it allows me to stay happy and be healthy in mind and heart. I work less than five days a week. I only see less than two clients a day because whenever I meet my clients, they hardly let me go away too soon. Is so funny! Those days my clients chase me away but today they would be mad if I don't see them as often as possible. The main factor that draw me to sell today is the passion of seeing all my friends succeeding their lives because they love to listen to my advices. Yes! The Art of selling is to listen and to understand your clients.


My belief - "Success in any endeavor does not happen by accident. Rather it's the result of deliberate decisions, conscious effort and immense persistence - all directed at specific goals" - Gary Ryan Blair.

Split Personality.....

Do you have a devil on yourself? I believe all of us have. Thanks God! HE implanted an angel within us as well. These devil & angel make us have dual or perhaps multiple characters in every one of us here. Outside we behave like an angel, when everybody thought we are a nice guy. So sad! Coming back home where comfort lies, turns us to be a devil to all those we love.

Can these happen to you? Whenever you meet someone outside, whom you have not known that well yet, you tend to have all the tolerance and patience to cope with others. You might not be happy but you could still smile and show you are an understanding person. Those who do not know you well yet, might think you have a magnificent personality. Let's wait! Once your friends get to know you more, your hidden tolerance and patience disappear immediately. You get upset and angry quite easily. No longer you speak calmly with understanding but rather you throw your voice unnecessary, and seldom forgive and forget.

Look at those love birds. To fall in love is always easy because the angel is there to smile the heart. Truth always prevails when the devil surfaces to show love birds have hate and anger too. Depending on the individual feeling and emotion, and allowing a bit of time from between weeks or months, these lovers might even hate each other more than they love each other in the first place.

I might be writing with my experiences but frankly speaking is not easy to keep and maintain only one character and personality all the time. I'm still trying to kill that unwanted devil in me.

I like this old quote - "I am good, but not an angel. I do sin, but I am not the devil. I am just a small girl in a big world trying to find someone to love" — Marilyn Monroe

WHAT REAL STRESS IS?

Have a Sunday laugh on The Doubting Wife...

A husband and his young wife were not on good terms. In fact the wife was convinced that he was carrying on with the pretty housemaid, so she laid a trap.

One evening she suddenly sent the maid home for the weekend, and didn't inform the husband. That night when they went to bed, the husband gave the old story: "Excuse me my dear........my stomach," and disappeared towards the bathroom.

The wife promptly dashed along the corridor, up the back stairs, into the maid's bed. She just had time to switch the lights off when in he came silently........... He wasted no time or words but quickly got into the act.

When he finished and still panting, the wife said "You didn't expect to find me in this bed did you!!" and switched on the light.

"No Madam," said the gardener!!!

Well, that's even more stressful.

Amish Elevator.......

A fifteen year old Amish boy and his father were in a mall. They were amazed by almost everything they saw, but especially by two shiny, silver walls that could move apart and then slide back together again.

The boy asked, 'What is this Father?' The father (never having seen an elevator) responded, 'Son, I have never seen anything like this in my life, I don't know what it is.'

While the boy and his father were watching with amazement, a fat old lady in a wheel chair moved up to the moving walls and pressed a button. The walls opened, and the lady rolled between them into a small room. The walls closed and the boy and his father watched the small numbers above the walls light up sequentially.

They continued to watch until it reached the last number and then the numbers began to light in the reverse order. Finally the walls opened up again and a gorgeous 24-year-old blond stepped out.

The father, not taking his eyes off the young woman, said quietly to his son..... 'Go get your Mother'

I wonder how many readers out there laugh........

DR. PHIL'S PERSONALITY TEST.....

This is interesting.... See what you come up with.

Below is Dr. Phil's test.

(Dr. Phil scored 55, he did this test on Oprah and she got a 38.)

Some folks pay a lot of money to find this stuff out!

The following test is pretty accurate and it only takes a few minutes.


Don't peek!
Answers are for who you are now and not who you were in the past.

This is a real test given by Human Relations Departments at many of the major corporations today. It helps them get better insight concerning their employees and in their prospective employees.

There are 10 Simple questions, so grab a pencil and paper. Record your letter answers to each question.

Make sure to put "YOUR" score in the subject box.

Ready?

Begin.
1. When do you feel your best...
A) in the morning
B) during the afternoon and early evening
C) late at night

2. You usually walk...
A) fairly fast, with long steps
B) fairly fast, with little steps
C) less fast head up, looking the world in the face
D) less fast, head down
E) very slowly

3. When talking to people you...
A) stand with your arms folded
B) have your hands clasped
C) have one or both your hands on your hips
D) touch or push the person to whom you are talking
E) play with your ear, touch your chin, or smooth your hair

4. When relaxing, you sit with..
A) your knees bent with your legs neatly side by side
B) your legs crossed
C) your legs stretched out or straight
D) one leg curled under you

5. When something really amuses you, you react with...
A) big appreciated laugh
B) a laugh, but not a loud one
C) a quiet chuckle
D) a sheepish smile

6. When you go to a party or social gathering you...
A) make a loud entrance so everyone notices you
B) make a quiet entrance, looking around for someone you know
C) make the quietest entrance, trying to stay unnoticed

7. You're working very hard, concentrating hard, and you're interrupted...
A) welcome the break
B) feel extremely irritated
C) vary between these two extremes

8. Which of the following colors do you like most....
A) Red or orange
B) black
C) yellow or light blue
D) green
E) dark blue or purple
F) white
G) brown or gray

9. When you are in bed at night, in those last few moments before going to sleep you are.....
A) stretched out on your back
B) stretched out face down on your stomach
C) on your side, slightly curled
D) with your head on one arm
E) with your head under the covers

10. You often dream that you are...
A) falling
B) fighting or struggling
C) searching for something or somebody
D) flying or floating
E) you usually have dreamless sleep
F) your dreams are always pleasant


POINTS:

1. (a) 2 (b) 4 (c) 6
2. (a) 6 (b) 4 (c) 7 (d) 2 (e) 1
3. (a) 4 (b) 2 (c) 5 (d) 7 (e) 6
4. (a) 4 (b) 6 (c) 2 (d) 1
5. (a) 6 (b) 4 (c) 3 (d) 5 (e) 2
6. (a) 6 (b) 4 (c) 2
7. (a) 6 (b) 2 (c) 4
8. (a) 6 (b) 7 (c) 5 (d) 4 (e) 3 (f) 2 (g) 1
9. (a) 7 (b) 6 (c) 4 (d) 2 (e ) 1
10 (a) 4 (b) 2 (c) 3 (d) 5 (e) 6 (f) 1
Now add up the total number of points.

OVER 60 POINTS: Others see you as someone they should "handle with care." You're seen as vain, self-centered, and extremely dominant. Others may admire you, wishing they could be more like you, but don't always trust you, hesitating to become too deeply involved with you.

51 TO 60 POINTS: Others see you as an exciting, highly volatile, rather impulsive personality, a natural leader, who's quick to make decisions, though not always the right ones. They see you as bold and adventuresome, someone who will try anything once, someone who takes chances and enjoys an adventure. They enjoy being in your company because of the excitement you radiate.

41 TO 50 POINTS: Others see you as fresh, lively, charming, amusing, practical, and always interesting, someone who's constantly in the center of attention, but sufficiently well-balanced not to let it go to their head. They also see you as kind, considerate, and understanding, someone who'll always cheer them up and help them out.

31 TO 40 POINTS: Others see you as sensible, cautious, careful & practical. They see you as clever, gifted, or talented, but modest. Not a person who makes friends too quickly or easily, but someone who's extremely loyal to friends you do make and who expects the same loyalty in return. Those who really get to know you, realize it takes a lot to shake your trust in your friends, but equally that it takes you a long time to get over if that trust is ever broken.

21 TO 30 POINTS: Your friends see you as painstaking and fussy. They see you as very cautious, extremely careful, a slow and steady plodder. It would really surprise them if you ever did something impulsively or on the spur of the moment, expecting you to examine everything carefully from every angle and then, usually decide against it. They think this reaction is caused partly by your careful nature.

UNDER 21 POINTS: People think you are shy, nervous, and indecisive, someone who needs looking after, who always wants someone else to make the decisions and who doesn't want to get involved with anyone or anything! They see you as a worrier who always sees problems that don't exist. Some people think you're boring. Only those who know you well, know that you aren't.

P.S. I scored 49. What ahout you there?

Exposing Adulterous Men....

Some interesting news from the paper....

A SINGAPOREAN woman has embarked on a mission to stalk adulterous men.

Apparently, Tay Wanqing, 46, is on a vendetta after her former husband had affairs with three Chinese nationals.

The divorcee would walk around Chinatown, keeping a lookout for mismatched couples such as middle-aged Singaporean men with young Chinese women, China Press reported.

Once a target is identified, Tay would take out her camera to spy on the couple.

She would then send the photographs to the man’s wife.

Tay has apparently declared war against the Chinese women who “stole” other people’s husbands.

Due to her actions, Tay has received threats and was even beaten up but that has not deterred her.

“When my ex-husband was having an affair, nobody helped me. I was forced to fork out a lot of money to hire private investigators. Now, I want to help other women for free,” she said.

My view: Wow! What a woman she is??? Questions bugging my mind!!! Who is wrong and who is right? Are the husbands at wrong to be floating with those attractive China Dolls or the wives have taken their men for granted? My believe is... should all couples who are truly in love, they should have trust and faithfulness within themselves. To be always in love needs plenty of effort and understanding.

Some might take love as - "Love is life. Life is wife. Wife is a knife. Knife is end of life..." Or "Love is like a butterfly, hold it too tight and it'll crush, hold it too loose and it'll fly away."

As for me... As long as little darling is with me, I will always love her till death.

Learning will keep us young.

A sixty years old friend asked. I have fallen in love with a thirty years young lady. Am I too old for her?

Spoken by Rosalyn S. Yalow, "The excitement of learning separates youth from old age. As long as you're learning you're not old".

To my this friend! As long as you keep learning how to love your darling well, and be romantic, be loving and make as much love as possible, the excitement would definitely make you feel young as ever. Learning to love another person is considered a learning process in life.

How to make the pussy meow???

To get the advice

scroll to the bottom

The best advice I could possibly give you!!

I always tell all my friends "If women didn't exist, all the money in the world would have no meaning". So! Love your mother, sisters, aunties and grand mothers coz they are the pussies of the world.

Agent who cheats.

Publication : Kwong Wah Yit Poh
Date : 9 Mac 2011
Section : National
Page : 7
Headline : Female insurance agent flees after swindling RM4.5 mil
Note: A female insurance agent based in Johor Bahru by the name of “Chloe” has fled after swindling more than RM4.5 million in total from 50 of her customers. One of the victims, Mr Wu, a restaurant owner claimed that he had been cheated close to half a million by the agent. According to Mr. Wu, he first met with the agent in a hospital in 2006 where she voluntarily helped him resolve a claim issue with the hospital. Wu said that the agent was a high flying agent before she was terminated by the insurance company she represented after they found out about her scam and has gone missing since May last year. He has earlier lodged his complaint with the MCA Public Services and Complaint Bureau.

Conclusion: Buy insurance from reliable agents who are sincere and responsible. Never judge a book by its cover & never judge an agent by his/ her look.

My First Condom................

Have a Sunday's laugh but please don't be angry.....

My First Condom recall my first time with a condom. I was 16. I went in to buy a packet of condoms at Chan's pharmacy. In those days it took a lot of guts to go in a store and ask for that kind of item because everyone in town knew me and there was no doubt the young lady (I think her name was Susie) knew what they were for.

She was working as an assistant behind the counter, and she could see that I was really embarrassed by the whole procedure. She handed me the package and asked if I knew how to wear one.

I honestly answered, 'No, not really.' So she unwrapped the package, took one out and slipped it over her thumb. She cautioned me to make sure it was on tight and secure. I apparently still looked confused. So, she looked all around the store to see if it were empty. It was. 'Just a minute,' she said, and walked to the door and locked it. Taking my hand, she led me into the back room, unbuttoned her blouse and removed it. She unhooked her bra and laid it aside. 'Do these excite you?' She asked. Well, I was so dumb-struck that all I could do was stand there with my mouth open and nod my head. She then said it was time to slip the condom on. As I was slipping it on, she dropped her skirt, removed her panties and lay down on a desk. 'Well, come on', she said, 'We don't have much time.' So I climbed on her. It was so wonderful that, unfortunately, I could no longer hold back and KAPOW, I was done within a few moments. She looked at me with a bit of a frown. 'Did you put that condom on, Vince?' she asked. I said, 'sure did,' and held up my thumb to show her. She then beat the shit out of me....


Women have always been hard for me to figure out.

WHAT REAL STRESS IS???

The next time you think you are experiencing stress, think of how lucky you are. Read on to find out.....

A beautiful girl asks you for a ride home. On the way she faints and you take her to hospital.

The doctor says;

"Congratulations!!!!. You are going to become a father ";

THAT'S IT. YOU GET STRESSED.

You say: "But that baby is not mine"; The girl says : "He is the father of my baby";

YOU GET MORE STRESSED.

…and to prove your innocence, demand a DNA test. The police arrive, and a DNA test is done.

The report comes in according to which you are infertile and can never become a father.

WHAT? YOU GET EVEN MORE STRESSED!.

Anyhow you thank God that this ordeal is over, and start driving home.

.............. And then you start thinking. At home I already have 2 kids. Whose are those????

NOW THAT ’S WHAT REAL STRESS IS !!!

Is so true here - "We live longer than our forefathers; but we suffer more from a thousand artificial anxieties and cares. They fatigued only the muscles, we exhaust the finer strength of the nerves" ~ Edward George Bulwer-Lytton

The obstacles in staying too long selling life insurance...

Selling tips...

In selling life insurance, I believe there are two things which are most difficult to overcome. One.. when an agent has no money and is hungry for food at the beginning of his career, he would work extremely hard in every way to achieve his aims. Seeing prospects would be a joy to him. However not so when an agent has done well in his career. One who is rich and driving an expensive car might find it difficult to continue to prospect and to serve his clients. The reason could be when one is poor, he is humble and simple, whereas when he is rich, he tends to be proud and arrogance. To me, as long as you are an agent, you ought to see people endlessly in order to be successful in this challenging career.

Two.. In all type of sales, there is a time frame for serving and servicing the clients. Meaning most products are tagged with an expiring term. Not life insurance! As long as the policyholders who are still alive, the attending agent who sold those policies has to serve his clients faithfully for life too. So sad! I wonder how many committed agents would honour this promise.

To my fellow colleagues who intend to aspire in selling -“When work, commitment, and pleasure all become one and you reach that deep well where passion lives, nothing is impossible.”

Accident can happen anytime. Consider a PA.

Selling tips...

If you can't afford to purchase a life insurance at the moment, consider a P.A. or in full a Personal Accident insurance. Is cheap, covers all sorts of accident 24 hours worldwide coverage. It includes disappearance, motor-cycling, food poisoning, murder and assault, all natural disasters, riot strikes and civil commotion, most games and sports, hijacking, drowning, suffocation by smoke or poisonous fumes, exposure to the elements as a result of an accident, insect and animal bites which cause immediate death or injury, and intoxication.

Recently I have a client who had a bad fall which severely injuring his leg and depriving him of working for almost a year. The P.A. he bought paid all his medical bills and compensated his lost of income for the year. He is a satisfying customer who could work again today.

I sent him a short note.... Please be careful and don't fall again. Except falling in love which is not claimable in your policy with us.

A reminder - "Buy insurance when you don't need it. Because when you need it, you can't buy".

To speak right and effectively....

This can happen to any family...

Father has good intention to suggest something for his children but non of them are willing to follow. Whereas the children are more happier to take the words from the mother.

Reasons... The father has the good thought but his voice sounds demanding and his gesture looks unfriendly. The mother is more loving who speaks with tender and care, captures the heart of the kids.

In any situation, whether is at home or at place of work or even selling, to speak effectively one has to apply the right tune of the voice and the mannerism of the speech. Otherwise you don't get the result. So the next time when you want to say these three words, "I Love You", say it with all the heart and the intended mind.

Food for thought - "To speak and to speak well are two things. A fool may talk, but a wise man speaks" ~ Ben Jonson.

Love Magic is stronger than Black Magic.

Recently one reader wrote me a question; "Do you believe in Black magic?"

My first reply to him was, "A weak minded person is Yes. The one who believes in himself won't. I choose to believe in myself more than the unknown."

Later he told me, "I'm still in the blur zone. I was informed by my family that a Black Magic's spell was used on my bro in law to distant himself from my sister. I'm wondering whether it is a spell or an excuse created to stray from the marriage. I don't know...".

See! My first reply was correct... "A weak minded person believes in spell, whereas a wiser person knows is not. The problems lie within the couple."

My second reply to him was, "Simple my great friend. Whether is true or false, the best way to overcome this break up is to reinforce with Love Magic. Coz love is patient & kind. It does not envy, it doesn't boast, it's not proud. It is not rude & not easily angered. It keeps no record of wrongs. It doesn't delight in evil but rejoices with the truth. It always hopes, always perseveres. Love never fails coz it has got Magic. Try please!"

Deep down in my heart, if only the couple concerns could read and understand the definition of love and is prepared to apply sincerely and willingly all these love messages, Magical Love's Spell would appear right at their heart again. Love Magic is always stronger than Black Magic.

Specially for this great friend from the East Coast- "Love and magic have a great deal in common. They enrich the soul, delight the heart. And they both take practice".

PENCIL & ERASER ...................

Pencil: I'm sorry.
Eraser: For what? You didn't do anything wrong.

Pencil: I'm sorry because you get hurt because of me. Whenever I made a mistake, you're always there to erase it. But as you make my mistakes vanish, you lose a part of yourself. You get smaller and smaller each time.

Eraser: That's true. But I don't really mind. You see, I was made to do this. I was made to help you whenever you do something wrong. Even though one day, I know I'll be gone and you'll replace me with a new one, I'm actually happy with my job. So please, stop worrying. I hate seeing you sad.

I found this conversation between the pencil and the eraser very inspirational. Parents are like the eraser whereas their children are the pencil. They're always there for their children, cleaning up their mistakes. Sometimes along the way, they get hurt, and become smaller / older, and eventually pass on. Though their children will eventually find someone new (spouse), but parents are still happy with what they do for their children, and will always hate seeing their precious ones worrying, or sad.

All my life, I've been the pencil. And it pains me to see the eraser that is my parents getting smaller and smaller each day. For I know that one day, all that I'm left with would be eraser shavings and memories of what I used to have.

This is to all the parents and children out there.

Deeds.................................
"Our deeds determine us, as much as we determine our deeds...."

LOCK & KEY.....

You can laugh but please don't get angry...especially the ladies. Ok?

Girl: I have had sex with 4 boys & you have done it with 8 girls, still everybody calls me a SLUT & calls you a REAL MAN. Please explain why.

BOY: Very simple. When a lock is opened by many keys, it becomes a BAD LOCK. But when a key opens many locks, it becomes a MASTER KEY!

Believe..... “Love is the master key which opens the gates of happiness.” - Oliver Wendell Holmes quotes

What is Generation Y ??

Hmm, I've always wondered this myself... now I know.

- People born before 1946 were called The Silent generation..

- The Baby Boomers, are people born between 1946 and 1959.

- Generation X, people have been born between 1960 and 1979.

- Generation Y, are the people born between 1980 and 2009

Why do we call the last group Generation Y? I never did know, but recently a cartoonist explained it very eloquently below...
Learned something new today!

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What is success to you?

Thirty years ago I asked John who was double my age then this question... "What is success to you?" He said success is to be able to earn as much as possible and allowing my wife to spend as much as she likes and yet I don't feel the pain. So sad! I still have the pain when she spends. When that was told to me, I could not understand the real meaning out of it. I only laughed!

Recently one of my daughter in law, Debbie asked this question again. "Dad! What is success to you?" Immediately I related these words... Success to me is to earn as much as I can and allowing all my women and sons to spend as much as they like and yet I don't feel the pain. So sad! I still have pain in my heart today.

She was surprised with that reply..."Why dad? Why should you have the pain?" See! She was just like me thirty years ago, as young as ever, thinking they know everything in life but actually they know very little.

I gave her a simple reply, "My dear! Dad isn't successful yet".

If you happened to be reading this posting, ask yourself whether you do know the meaning too. If you are, i believe you have grown to be wise and know some aspects of what is life then. Congratulation to you! U must have came a long way to see yourself of what you are today.

Albert Schweitzer said, "Success is not the key to happiness. Happiness is the key to success. If you love what you are doing, you will be successful".

Avoid the trap of overselling...

Selling tips...

Never too aggressive over selling. Read the story to understand....

A little old lady answered a knock on the door one day, to be confronted by a well-dressed young man carrying a vacuum cleaner.

'Good morning,' said the young man. 'If I could take a couple minutes of your time, I would like to demonstrate the very latest in high-powered vacuum cleaners...

'Go away!' said the old lady. ''I'm broke and haven't got any money!'' and she proceeded to close the door.

Quick as a flash, the young man wedged his foot in the door and pushed it... ''Don't be too hasty!'' he said. ''Not until you have at least seen my demonstration.''

And with that, he emptied a bucket of horse manure onto her hallway carpet.

''Now, if this vacuum cleaner does not remove all traces of this horse manure from your carpet, Madam, I will personally eat the remainder.''

The old lady stepped back and said, ''Well let me get you a fork, 'cause they cut off my electricity this morning."

Conclusion: Overselling can be damaging. Be 'honest and sincere' is a better approach.

More sales! You have to see more people.

Selling tips....

One of my fellow colleague asked, "I'm not closing cases.What shall I do?"

In my 43 years of selling, there was no month that passed without a sale being closed. I could have been sick but for sure i was not ill for more than a month, or i could have gone for a holiday but i still made sure to have some sales closed before the trip.

The only time when there is no sales is when the salesperson isn't working. To me working is to see people, whether are friends or strangers. No super sales agent could do well if they are not allowed to see prospects or clients. Sales could only be created if you see someone face to face. I don't care how unskillful a salesperson is, as long as that person is prepared to meet and talk with someone outside, the chances are he would still be able to make some sales in the end.

I have had sales for the past 43 x 12 (516 months) because I love talking and selling allows me to talk endlessly. To that lady agent who asked, "I'm not closing cases. What shall I do?".... I believe you are not seeing people and that is the reason why you have no sales. You should go out and have fun to see people. Don't just think of selling when you meet others, try to listen and understand the people you are going to meet. Believe me! When you are prepared to offer your patience ears and thoughtful mind, sales would come your way automatically.

Food for thought - "The successful person has the habit of doing the things failures don't like to do. They don't like doing them either necessarily. But their disliking is subordinated to the strength of their purpose" - E. M. Gray

Let's dance with the condoms.....

A good question for ladies today. If you saw a condom in your husband's wallet accidentally, how would you react?

Would you be upset and angry or feel good that your partner is taking care of you or confront him or do nothing and behave nothing has happened?

As for men, I think we are the most jealous one. If I see one condom in my partner's handbag, I would drop dead because the pain in the heart could be too painful to take. Women could be different and I sincerely hope some ladies are willing to share their views at my site here.

COndom Quotes

Cover your stump before you hump. Before you attack her, wrap your wrapper. Don't be silly, protect your willy. When in doubt, shroud your spout. Don't be a loner, cover your boner. You can't go wrong if you shield your dong. If you're not going to sack it, go home and whack it. If you think she's spunky, cover your monkey. If you slip between her thighs, be sure to condomize. She won't get sick if you wrap your dick. If you go into heat, package your meat. Especially in December, gift wrap your member. Don't be a fool, vulcanize your tool. The right selection! Protect your erection. Wrap it in foil before checking her oil. If you really love her, wear a cover. Don't make a mistake! Muzzle your snake. Sex is cleaner with a packaged wiener. Never deck her with an unwrapped pecker. If you can't shield your rocket, leave it in your pocket. No glove, No love. Don't be in such a jiffy, cover your stiffy. AIDS is no joke, be sure to wrap before you poke.