Personal Accidental Insurance is good for you.

Selling tips...

Dr Lee had been paying his Personal Accident Insurance premium for many years, covering his life for One Million. On expiring recently he refused to renew, giving reasons as he seldom travel outside. Being a medical doctor who has his clinical practice, his exposure to accident is nil... That was what he claimed.

Not to argue much with a defensive client I had to agree with him. Anyway I suggested some interesting suggestion to him. I said.. Why not let me pay this premium of one thousand ringgit  for you instead. On renewal every year I will also continue to pay. Dr was amazed! Promptly he wanted to know the reason behind.

My proposal to him... If you agree, then please assign this PA insurance to my name. By assigning to me, I will have the full right over the benefits. In the event if an accidental death happen to you, the one million goes to me. Or if by accident, either one eye goes blind, or either one limb or one arm broke, or for any reason total disability occurred, the same one million will be claimable by my good self. Well! Since you don't need this PA any longer and the premium is considered cheap cause of the promotional sales given, why not let me benefit this cover then. I looked at his eyes without saying further.

Took him awhile to respond to this suggestion. He said "Sorry Robert, I think I want to continue the PA".

Moral of the story: Facing fear he could not take chances. Most people are selfish and are unwilling to let other benefit. 

Food for thought - "Better a thousand times careful than once dead" ~ Proverb

Why are Divorce Rates so high????

Fifty years ago, it was the sons who could go to the school to study. Most of the daughters had to stay home to  help the mothers. Even those girls who could attend classes, seldom could complete the primary education. The old school of thought was, sons had to be more intelligence than the girls because they had to earn later in life to get settle down with their families. Whereas the girls need not be smarter than the boys. You might think not fair. Right? BUT! The beauty was... There was no divorce or separation among couples who finally got marry. Most husbands and wives remain as to be married till death. 

Now! What happened? I have got clients who just married within a year, are asking for divorce. Before they got marry, they were loving and caring. After a year of staying together as man & woman, they fight like cats & dogs. Solution is separation. So! What is the rationing behind? I guess is... Woman is more intelligence than man currently. Today you could see girls are excellent students, while the boys are lazy and playful. With their academic achievements and constant learning, ladies are more knowledgeable than men today. Most husbands cannot survive alone on their income. In order to meet their families' needs, wives have to seek employment as well. So! When man has to depend partially on woman, especially on their financial strength, woman automatically has their voice and status. Before, woman had to listen to her man. Now, man has to listen to his woman. Otherwise the trouble would begin. 

Moral of the story: For a successful and happy family, the man has to work harder and earn more than his woman. Or better still... earn enough when your wife needs not have to work. Husband earns and the wife spends. What say you, ladies and the gentlemen out there?

Success to me is.. "Earns much and let my wife spends as much as she likes and yet I don't feel the pain".

Father spending millions on son's wedding....

This year alone I had attended a few grand wedding dinners, when parents had to spend by the hundreds of dollar on their children marriages. The coming month I will be going for another wedding function which I considered could be the most expensive of all. The father of the groom happened to be my good friend, told me he is spending almost two million dollars for his first son's wedding.

I had known the father since the day I started to sell life insurance. He was then only a car sales man, later he took the risk to venture to England to start his second hand car business. A self made man whom I admire  much, today he is a multi millionaire and was given a datukship by the royal dignity.

Asking my rich friend, when he first got marry 30 years ago, did he pay for his wedding or his dad shouldered all his expenses. He was quick to say that his parents were poor then and he was the one who had to work hard, saved and later got marry all by himself. His dad didn't pay a single dime and yet he could happily manage to get things done. I told him this... I too had to save for my marriage those days because I had no parent with me.

What puzzle me now is! Why do fathers have to pay so much for their children's wedding today? After all, these children  have not even proven themselves yet in the working world. Is it good and benefiting for both the parents and their children. Or is it merely for the pride of the father to show to his friends his glamour and achievement. I really have no answer to my thought. Only time could tell. What say you readers?

Food for thought - "Spoil your husband, but don’t spoil your children—that’s my philosophy"

When you aged far enough, all ladies are beautiful....

Whenever I take the lift in my office, I'm always surrounded with beautiful ladies. Not twenty or thirty years ago. You know why? Guess if you can! The reason is quite simple. Thirty years ago, the ladies who worked along with us were almost the same age like me. Or could be older! Twenty years ago, they were still old to me. Their age could be around 20 to 50. Might not be too much different than my age then. 

Well! Today at my tender age (for those who do not know my exact age, please read my profile first lah), all the ladies who work in our company now are definitely much much younger than me. They are no longer aunties or elder sisters to me. They are all like darlings or honeys to me instead. In my eyes I see them as so much younger, they look so attractive to me today. 

See! Man should not retire so early. They miss all these fun and admiration which I currently are enjoying and appreciating. Thanks God for giving me the health and energy to stay in my career.

I fully agree with this statement - "If women didn't exist, all the money in the world would have no meaning" - Aristotle Onassis

Retired husband.........

Sharing a joke.....

After I retired, my wife insisted that I accompany her on her trips to Target.

Unfortunately, like most men, I found shopping boring and preferred to get in and get out. Equally unfortunate, my wife is like most women - she loves to browse. 

Yesterday my dear wife received the following letter from the local Target:

Dear Mrs. Harris , 

Over the past six months, your husband has caused quite a commotion in our store. We cannot tolerate this behaviour and have been forced to ban both of you from the store. Our complaints against your husband, Mr. Harris, are listed below and are documented by our video surveillance cameras: 

1. June 15: He took 24 boxes of condoms and randomly put them in other people's carts when they weren't looking. 

2. July 2: Set all the alarm clocks in Housewares to go off at 5-minute intervals.                     

3. July 7: He made a trail of tomato juice on the floor leading to the women's restroom. 

4. July 19: Walked up to an employee and told her in an official voice, 'Code 3 in Housewares. Get on it right away'. This caused the employee to leave her assigned station and receive a reprimand from her Supervisor that in turn resulted with a union grievance, causing management to lose time and costing the company money. 

5. August 4: Went to the Service Desk and tried to put a bag of M&Ms on lay-by.                     

6.. August 14: Moved a 'CAUTION - WET FLOOR' sign to a carpeted area. 

7. August 15: Set up a tent in the camping department and told the children shoppers they could come in if they would bring pillows and blankets from the bedding department to which twenty children obliged.                     

8. August 23: When a clerk asked if they could help him he began crying and screamed, 'Why can't you people just leave me alone?' EMTs were called.

9. September 4:  Looked right into the security camera and used it as a mirror while he picked his nose. 

10. September 10: While handling guns in the hunting department, he asked the clerk where the antidepressants were.. 

11. October 3: Darted around the Store suspiciously while loudly humming the ' Mission Impossible' theme. 

12. October 6: In the auto department, he practiced his 'Madonna look' by using different sizes of funnels. 

13. October 18: Hid in a clothing rack and when people browsed through, yelled 'PICK ME! PICK ME!' 

14. October 22: When an announcement came over the loud speaker, he assumed the fetal position and screamed 'OH NO! IT'S THOSE VOICES AGAIN!' 

15.. Took a box of condoms to the checkout clerk and asked where is the fitting room?

And last, but not least: 

16. October 23: Went into a fitting room, shut the door, waited awhile, and then yelled very loudly, 'Hey! There's no toilet paper in here.' 

One of the clerks passed out.                      

Thanks God Retirement is never in my mind.

Please don't let your family to beg.....

Selling tips....

Attempting to sell to a resistance and defensive prospect who refused to accept my proposal, I packed my bag and was leaving his house, I spoke my last sentence upon reaching the door....

"I was begging for the sale, so that your children and your wife won't have to beg should the master of this home isn't around one day!"

Before I could open the door, the prospect paused for a moment, "Is there something lesser in premium which is easy for me Robert?"

I turned my back towards him and realised my last few words triggered or had disturbed his mind. Yes! The case was sold later.

Food for thought - "Buy life insurance when you don't need it because when you need it, you can't buy!"

Stay calm.......

Sunder Singh is a 68 years old senior veteran, who still sells aggressively life insurance with another company. At this age, the mind could easily be disturbed or irritated by the listening. Once he gets excited, his emotion might lead to further anxiety which in turn could cause anger and temper. Nobody likes a fearful and unfriendly person in front. Right? In order for him to control his emotion, he showed me a piece of paper properly folded which he kept inside a plastic folder. The folder is always kept on his shirt pocket. On the paper he wrote two bold words... STAY CALM. Whenever he is confronted with bad situations, he will never fail to read these two words to remind his thought. It works beautifully for him.

My quote - "Getting excited is natural but to stay calm needs plenty of understanding in life". 

Spotting defects is faster....

Detecting weaknesses or spotting defects is easier than seeing strength or goodness!

In order to prove my belief, I purposely worn a shirt with a little hole just below the pocket. It was a good shirt but out of a domestic accident, a tiny hole was pierced while washing. As normal I went out to do my routine calls, went back to the office and  visited many clients that day. 

You know what happened? Those I met that day, almost everyone of them could see my shirt with the hole. Right on my face they told me about the hole they saw. These were some of their remarks; "Hey!You have a hole here", "Your shirt has a hole", "Is that a hole?", or "Why a hole on your shirt?"

Perhaps there were some who saw but shy to tell me. Of course non knew I intentionally worn that shirt to see their reaction. At the end of the day, it concluded non of them gave me any compliment and admiration on my dressing. My shirt was colourful, my pant was striking, my shoes were new and shinning, I had two expensive Parker pens on my shirt pocket, my watch was beautiful and I had two attractive gemstone rings on my fingers. All these goodies were not noticeable at all, but rather they could identify the weakest spot on my attire, The Tiny Hole.

Conclusion; Yes! Detecting weakness is faster than seeing the quality of a person. 

Suggestion: Give honest & sincere appreciation and avoid criticism or bad comment.

Speaking & writing need skill.....

Do you know... One could speak well might not write well and the one who could write well might not speak well?

Most salesperson could speak well effectively, in order to sell successfully. BUT! Ask them to write might be difficult. Currently most of my sales colleagues are in a dilemma. In order to communicate with the management office, we have to write through the net. Before, we had only a few hundred agents when we could speak over the telephone to get things done. Today, we have 13,000 agents or more. It is not easy to entertain everyone of us now, and we are instructed to write to the main office instead. To pen a few words could be easy, but to express your thought and to write in details is difficult. Their language, grammar and vocabulary are rather weak. Yes! They speak and talk excellently but writing is shameful and degrading.

However those who work under the management are totally difference. Is a daily routine that they have to write. Their thoughts and planning are all written in words. They write in style with business and formal presentation. BUT! Ask them to speak in a crowd, they panic or ask them to introduce our products to a prospect they quit. Yes! They are excellent writers but lousy speakers.

Well! If you want to be special and unique, ideally is to speak effectively and also capable to write expressively both at the same time. I started as a talker and learned to be a good speaker but today by writing daily on my current post, I believe I could speak and write well too. Otherwise you won't be reading here... Right?

Food for thought - "By learning you will teach, by teaching you will learn" - Latin Proverb 

Smile first before anything.....

I had a chance to talk to a senior citizen who always jogs over the hilly tracks. His eyes shine and his face looks cheerful. Offering my compliment to this veteran I said, "The constant running must have helped to maintain your peak form. Being so healthy, your smile is so sweet and nice".

Immediately he replied, "Let me correct you. Not the running that helps me to smile. Is the smiling that helps me to run and stay healthy!"

That instant reply was indeed wise and meaningful. Everyone could be running and exercising everyday but when you could not smile from your heart, the exercise might not be fruitful either. He even told us, he smiles at all time of the day. Be it a good day or not, he keeps smiling. The smiling helps him to achieve whatever he intends to do. Meaning, smile first and do the thing you need to do. The result will be better. I believe him because his face shows.

Food for thought - "Smile, even if it's a sad smile, because sadder than a sad smile is the sadness of not knowing how to smile."

The Art of Living...

Sunday Laugh.....

SEEK A SECOND OPINION.... .

The doctor said, 'Joe, the good news is I can cure your headaches. The bad news is that it will require castration 

You have a very rare condition, which causes your testicles to press on your spine and the pressure creates one hell of a headache. The only way to relieve the pressure is to remove the testicles.' 

Joe was shocked and depressed. He wondered if he had anything to live for. He had no choice but to go under the knife. When he left the hospital, he was without a headache for the first time in 20 years, but he felt like he was missing an important part of himself. Ashe walked down the street, he realized that he felt like a different person. He could make a new beginning and live a new life. 

He saw a men's clothing store and thought, 'That's what I need... A new suit...' 

He entered the shop and told the salesman, 'I'd like a new suit..' 

The elderly tailor eye d him briefly and said, 'Let's see... Size 44long.' 

Joe laughed, 'That's right, how did you know?' 

'Been in the business 60 years!' the tailor said. 

Joe tried on the suit, it fit perfectly. 

As Joe admired himself in the mirror, the salesman asked, 'How about a new shirt?' 

Joe thought for a moment and then said, 'Sure.' 

The salesman eyed Jo e and said, 'Let's see, 34 sleeves and 16-1/2 neck.' 

Joe was surprised, 'That's right,how did you know?' 

'Been in the business 60 years.' 

Joe tried on the shirt and it fit perfectly. 

Joe walked comfortably around the shop and the salesman asked, 'How about some new underwear?' 

Joe thought for a moment and said,'Sure.' 

The salesman said, 'Let's see... Size 36. 

Joe laughed, 'Ah ha! I got you! I've worn a size 34 since I was 18 years old.' 

The salesman shook his head, 'You can't wear a size 34. A size 34 would press your testicles up against the base of your spine and give you one hell of a headache.' 

New suit - $400 New shirt - $36 New underwear - $6 Second Opinion -PRICELESS  

Give & take is the best policy.....

Recently four of my fellow colleagues went for a holiday to The States. They were rewarded for an incentive trip given by the company, qualifying as The Stars Producer for last year. When they were there, they extended the holiday for another 10 days, rented a car which took them to many interesting places in the West Coast.

However the 10 days seemed not a good get together for the foursome. On these few days while travelling, they had quarrel, argument and plenty of misunderstanding. Instead of being buddies, they came home with a sad outlook with  a lot of different opinions and views of each other. A holiday is supposed to be a happy event but so sad they came home with much regrets and frustration. 

From the feedback, there were much jealousy, sensitive, calculative and uncaring attitude among them, while they were travelling together. The four are champion sales agents who perform extremely well in selling, and have acquired the skill to listen and to understand their customers. But! When they aren't selling, they lost their so called prefect personality to their original self. As successful agents, I guess they are rich as well, which might  have also changed their character. When one has no money, he is normally humble and simple but when that same person is rich, he tends to be arrogance and demanding. Serving a customer one could be entertaining and obliging, but when you are with friends and not with clients, the personality might change again. 

One of them asked what had gone wrong! The main reason is, there were four captains in one ship and everyone of them wanted to take charge. They were prideful and had so much of self esteem, which in the end turned negative among themselves.

Moral of the story: Good agents might not be good friends. A prefect agent is one who understands how to give way and be tolerance to everyone he meets. 

For my fellow colleagues -"And I hope that five years and 10 years from now, I'll be a better man, a more mature man, a wiser man, a more humble man and a more spirited man to serve the good of my people and the good of humanity" - Louis Farrakhan quotes

Pain relief... THE AMAZING HAIR DRYER,,,,,

Something worth sharing. It works well for me and you should read them too.....

Not long ago a friend took her ten-year-old boy to my house looking for my wife, saying that her child had hiccups all day long. The child was very uncomfortable and unable to eat at all. After she checked, my wife said there was a muscle spasm in his diaphragm. Without hesitation, she took out a blow dryer, turned on the power and started blowing at the boy's stomach. About 10 minutes later, the boy burped and felt relieved. We were surprised that this thing can do the trick. But my wife just smiled.

A few days later, I had a stiff neck when I woke up in the morning. I could hardly turn my head. I recalled my stiff neck problem was treated a few times by acupuncture and cupping when I was younger. I asked my wife for the similar treatment. She said there weren't any needles at home nor any suitable small jars for cupping. She just took out a hair dryer. I couldn't help laughing. Again? This thing can cure stiff neck too?

Amazing! She blew on my shoulders and my neck for about 15 minutes.

My neck was really loosened up. I could turn my head now. Later in the evening, she repeated that on me once more. The pain in my neck was significantly reduced. I crowned her the "queen of blow drying".

She explained that this was inspired by the method people used in the old days. In hospitals, with all the modern equipment we have, doctors do not need blow dryers.

But back in the old days, in rural villages especially, doctors were poorly equipped with medical supplies. So they came up with other means to treat patients with common pains.

Suddenly I realized this is the thermal effect on pains with the heat generated by a blow dryer. Modern physiotherapy equipment such as electric, laser, thermal, ultrasound and others can easily generate heat for effective treatment. They are, of course, more powerful than a blow dryer.

However, WHEN THEY ARE NOT AVAILABLE, using a blow dryer to generate heat will also work, temporarily at least, on common pains such as back pain, muscle spasm, stiff neck, leg cramps, etc. 

It is readily accessible and easy to operate as long as there is electricity.

The blow dryer is really amazing. 

A comment from a good friend Capt. Azhar, after he had read this article....

"The moral of the story is that we need a good blow job once in a while. He...he... have a pleasant day. God bless".

The more you spend, the more you earn....

Over a breakfast at a nearby coffee shop, I was observing a table seated with nine young people. There were four males and five females. I could sense they must be office colleagues taking their breakfast together. I was curious who was going to pay the bills. Each of them ordered their drinks and food individually. Later when the waitress came, she had to collect the cash individually too. I see! They went the Dutch Style, meaning each of them paid what they had ordered. No free meal for the ladies.

If I had been there and a friend to them, I will never allow them to pay. I always like to pay for my friend's meals, and I feel honour to do it. You can say that is generous of me! It had been my habits ever since I was a boy, I always attempted to be the payer for most outings with my friends. Perhaps some of them could be taking advantage on me, but I never bother about those little bills if I could afford them. 

Today I realised some facts of life. The least you spend the lesser one could earn. While those who are kind  to spend for others, or willing spender, eventually they earn more than those who are miser or reluctant spenders. The principle is... The more you spend, the more you earn. 

This happened during the last Xmas in Shanghai. A common friend CY invited my son and his wife for a Xmas eve's dinner at a Six Stars Hotel down town. The price per head was 2000 local currency. My son told CY he had many relatives who were visiting him from overseas and might not be convenient to attend the expensive dinner. Instead CY invited all my son's relatives for that function and paid for all their entertainment. He was definitely very generous to pay for guests he didn't even know. Tell you what! CY is a self made billionaire who started with nothing. Out of his kindness and being a generous man, he became successful and wealthy. The principle works... The more you spend, The more you could earn. Believe or not! Is up to you!!!

Food for thought - "Successful people are always looking for opportunities to help others. Unsuccessful people are always asking, "What's in it for me?" -- Brian Tracy quotes.

Birds have instinct...

My house has a wonderful bird's nest, I call it as Bird's Lounge. Not build by me but specially made by birds themselves. It is right in front of our front doorway where we have some potted green plants as decor.  Any one who comes in, would definitely see this natural lounge.

This nest has been here for many many years, really can't remember when these beautiful birds have became my relatives. They come in a pair, make love, lay two eggs, hatch them until they turn chicks, and they would fly away when their young can be independence. About a week or so, new couple would come again to make home in this same nest again. At first I thought they were from the same species, until lately I realised their size and colour are different. So! It looks like my lounge here is meant for multi nationalities without discrimination.

The question is; why pick only my house? All my neighbours have attractive home frontage with a bigger garden, whereas my house seems simple and non noticeable. With my many years of observing and even talking with them, I think I know the answer. Birds have instinct. They could sense and see who is kind and friendly. They have better insight than man, when they could almost see our mind and heart. They might be at far over the trees and hills, they could see and understand human's behaviour and character. When I talked to them without a reply from them, I know they could also understand my gesture and language. As long as I'm not a threat to them, I have a chance to befriend them. The smiles and greeting I offer them, touches their heart too. Yes! Today they have accepted me as their kind. And I believe they have also blessed me in many ways. My house is always a warm house for everyone who has no place to stay. And those who live in my house are always healthy and cheerful. Thank you my birdie friends. Please come again.  

Food for thought - “How do geese know when to fly to the sun? Who tells them the seasons? How do we, humans know when it is time to move on? As with the migrant birds, so surely with us, there is a voice within if only we would listen to it, that tells us certainly when to go forth into the unknown.” - Elisabeth Kubler-Ross Quotes.

Getting old could be a nuisance..... Unless!

Getting old could be a nuisance!!! Try to avoid it at all cost.

I have few old relatives and friends, in their sixties and above who face the following problems. They do nothing, eat a lot, sleep too much in the day and cause too much noise in the late night and early morning, and nag all the time in the house. Being retired, they have no work and have found no hobby. So the best way is to waste time by eating. The person who suffer could be the wife herself because she has to feed the old husband who always complained that he is hungry. After eating too much, the ideal way is to take short naps in between. They sleep early in the night but they get up too early in the morning. One old couple wake up at 3am, having nothing to do, they make noise to create attention. Non of their children like them to stay with them. One daughter in law said, "If you don't take your parents away tomorrow, I would leave the home!" See! No joke and it's true. With a poor hearing and a failing sight, they cannot control their patience and easily get upset and irritated most of the time. They only can talk about the past and they know nothing of the current because they have no desire to learn. Their children do not like to spend too much time with them because they said their parents nag and talk without any sense and logic. 

So sad to see them living under such situation. To me! I will try to avoid being a nuisance to my children. My philosophy is 'Getting Old is mandatory but Growing Up is optional'. Never have the thought to retire. Even if you don't have a career or a job, pick a hobby or create an interest which could keep you occupy most of the time. Growing up is challenging, when you should constantly prepare to learn and explore. When one is learning, the mind would expand which in turn keep us more alert and creative. Don't stop driving your car because driving keep us young and mobile. Eating is good but don't skip the exercise. Why sleep during the day, when you have the whole night for you later. I love sleeping and I need eight hours to restore my system. Sleeping time is 12 mid nite till eight in the morning when I don't disturb others. And that is also the best time to make love too. I don't nag my children but rather I motivate and inspire them. They are always amazed with my  knowledge and wisdom because I add plenty of humour and joke into my sharing with them.

Am I a nuisance to my family? Not at all! I make sure they love me till the end. 

Food for thought - "Nobody grows old merely by living a number of years. We grow old by deserting our ideals. Years may wrinkle the skin, but to give up enthusiasm wrinkles the soul" ~ Samuel Ullman

Do you have the right partner... On bed.

Tan is a sixty years old senior veteran who runs regularly everyday. He could run for one and a half hour with speed without stopping. Definitely he has the stamina.

Being naughty I asked Tan, "You are damn good on this treadmill machine. But are you as fast and strong on bed running my friend?"

He wasn't shy to reply, "Bad. Lack the speed and stamina on bed!"

Quick to respond to him, "Do you know why?"

Tan said, "Perhaps is my age. I'm olady past sixty now".

"Not true!", I proclaimed. Directly I told him, "You pick a wrong partner on bed! You run well here because you have the right machine to team up with. If you had got right partner on bed, I'm sure you could run better."

Tan smiled broadly, "Yes! Yes! Yes!"

P.S. You might say I'm playful, but that's the facts of life, applicable to everyone of us. We need the right partner in everything we do. Right readers?

 

A Well-Argued Court Case.......

The beauty of a language and the art of constructing the words of the language significantly lead to their meaning. This is not a case of twisting, but of the refined manner of presentation by witty minds. A good case for reference.

One evening, after attending the theatre, two gentlemen were walking down the avenue when they observed a rather well dressed and attractive young lady walking ahead of them. One of them turned to the other and remarked, "I'd give $250 to spend the night with that woman."

Much to their surprise, the young lady overheard their remark, turned around, and replied, "I'll take you up on that offer."

She had a neat appearance and a pleasant voice, so after bidding his companion good night, the man accompanied the young lady to her apartment. 

The following morning, as he prepared to leave, the man gave her $125. She demanded the rest of the money, stating, "If you don't give me the other 

$125 I'll sue you for it." He laughed, saying "I'd like to see you get it on these grounds." 

Within a few days, he was surprised when he received a summons ordering his presence in court as a defendant in a lawsuit. 

He hurried to his lawyer and explained the details of the case. 

His lawyer said, "She can't possibly get a judgement against you on such grounds, but it will be interesting to see how her case will be presented." 

After the usual preliminaries, the lady's Lawyer addressed the court as follows: "Your honour, my client, this lady, is the owner of a piece of property, a garden spot, surrounded by a profuse growth of shrubbery, which property she agreed to rent to the defendant for a specified length of time for the sum of $250. The defendant took possession of the property, used it extensively for the purposes for which it was rented, but upon evacuating the premises, he paid only $125, one-half of the amount agreed upon. The rent was not excessive, since it is restricted property, and we ask judgment be granted against the defendant to assure payment of the balance." The defendant's Lawyer was not only surprised but also impressed and amused by the way his opponent had presented the case. Naturally, his defense was somewhat different from the way he originally planned to present it. He rose to the occasion! 

'Your honor," he said, "My client agrees that the lady has a fine piece of property, that he did rent such property for a time, and a degree of pleasure was derived from the transaction. However, my client found a well on the property around which he placed his own stones,sunk a shaft, and erected a pump, all labor performed personally by him. We claim these improvements to the property were sufficient to offset the unpaid amount, and that the plaintiff was adequately compensated for the rental of said property. We, therefore, ask that judgement not be granted." 

The young lady's lawyer answered, "Your honor, my client agrees that the defendant did find a well on her property. However, had the defendant not known that the well existed, he would never have rented the property. Also, upon evacuating the premises, the defendant removed the stones, pulled out the shaft, and took the pump with him. In doing so, he not only dragged the equipment through the shrubbery, but left the hole much larger than it was prior to his occupancy, making the property much less desirable to others. 

We, therefore, ask that judgment be granted." 

In the Judge's decision, he provided for two options: "Pay the balance $125 to the plaintiff, or have the equipment detached from its current location and provide it to the plaintiff for damages." The defendant wrote out a check immediately. . . ! ! ! . 

When you argue, don't let your hearts get distant!!!

Something worth reading....

Ever wonder why we shout when we are angry?

This story* is one of the best explanations ever come across. Enjoy!!!

A Hindu saint who was visiting river Ganges to take a bath found a group of family members on the banks, shouting in anger at each other.¨He turned to his disciples, smiled and asked, 'Why do people shout in anger at each other?'¨His disciples thought for a while and one of them said, 'Because when we lose our calm we shout.'

'But why should you shout when the other person is just next to you?' asked the saint. 'Can you just as well tell him what you have to say in a soft manner?

When some of the answers did not satisfied the others the saint finally explained, 'When two people are angry at each other, their hearts distance a lot. To cover that distance they must shout to be able to hear each other. The angrier they are, the stronger they will have to shout to hear each other to cover that great distance 'What happens when two people fall in love? They don't shout at each other but talk softly because their hearts are very close. The distance between them is either non existent or very small.¨The saint continued, 'When they love each other even more, what happens? They do not speak, only whisper and they get even closer to each other in their love. Finally they even need not whisper, they only look at each other and that's all. That is how close two people are when they love each other.

He looked at his disciples and said, 'So when you argue do not let your hearts get distant. Do not say words that distance each other more, Or else there will come a day when the distance is so great that you will not find the path to return.'

How to determine the truth?

Sometimes a Yes could be a No or a No could be a Yes. So when someone says a Yes or a No to you, would you be able to see the truth in them. 

The polices are the best profession who could sense the truth from those who are caught by them. On interrogation with the bad guys, police has their techniques to determine whether they are telling the truth. 

I learned from them. On interrogation with a gangster, police would ask many questions, when that gangster has only to reply either a Yes or a No. Nothing more. The first many questions asked, the police officer himself would know the answers. Questions like; Is your name Lee? Are you staying in KL? Are you working with ABC?  The gangster would reply with only the Yes or No, depending on the officer choices. Each of the Yes and No would be recorded in the officer very attentive ear. He has to sense and to listen to the pitches, tune and clarity of the Yes and the No. The vibration of each answer could determine the truth later. At the same time he seriously look deep into the gangster's eyes for his answer. Finally when he has gathered enough of confidence, officer would ask his key question. Answer me Yes or No, "Did you rape the lady?" Staring at him and carefully listen to the Yes or No, officer would be able to justify the truth from the bad or good guy.

Though I'm not a police, I'm glad I had mastered the skill from them. In selling I know whether my prospects and clients are telling the truth. With friends I know whether they are sincere with me. With little darling I know whether she is faithful with me. What I have got to do is just listen to their two words, Yes or No, Simple as that. 

Confusing proverb - "I love you and because I love you, I would sooner have you hate me for telling you the truth than adore me for telling you lies" - Pietro Aretino quotes.

Words of Wisdom.........

Someone has written these beautiful words. One must read and try to understand  the deep meanings in them. They are like the Ten Commandments to follow in life all the time.

1]Prayer is not a "spare wheel" that you pull out when in trouble; it is a "steering wheel" that directs us in the right path throughout life.           

2] Do you know why a  car's  WINDSHIELD is so  large &  the rear  view  mirror is so  small? Because our  PAST is not as important as our FUTURE. So, look ahead and move on.  

3]Friendship is like a BOOK. It takes few seconds to burn, but it takes years to write.            

4]All things in life are temporary.  If going well enjoy it, they will not last forever. If going wrong don’t worry, they can't last long either.            

5]Old friends are like Gold! New friends are Diamonds! If you get a Diamond, don't forget the Gold! Because to hold a Diamond, you always need a base of Gold!            

6]Often when we lose hope and think this is the end, GOD smiles from above and says, "Relax, sweetheart, it's just a bend, not the end!            

7]When GOD solves your problems, you have faith in HIS abilities; when GOD doesn't solve your  problems  He has faith in your abilities.            

8]A blind person asked St. Anthony: "Can there be anything  worse than losing eye sight?" He  replied: "Yes, losing your vision."  

9] When you pray for others, God listens to you and blesses them; and sometimes, when you  are safe and  happy, remember that someone has prayed for you.           

10]WORRYING does not take  away tomorrow's TROUBLES; it takes away today’s  PEACE.

What is good food?

A young mother is very particular with her family diet. She spends a lot of money on organic foods and try always to avoid outside food. Health is her main concern for the family's well being. 

She explained what is organic foods. Organic foods are foods that are produced using methods that do not involved modern synthetic inputs such as synthetic pesticides and chemical fertilizers, do not contain genetically modified organisms and are not processed using irradiation, industrial solvents, or chemical food additives. 

Ahem! My real age is 64, while my biological age is only 34 and I eat almost everything that is healthy for me. There is no restriction on my diet and I eat almost like a young man. Till today I have no high blood and no diabetes. Never was admitted, except to see others who were sick in the hospital. Really have to thanks God for taking good care of me. 

My food are taken with a clear heart of kindness, purity of the mind and is willing to share. I strongly believe good food is food when one is happy at heart. No matter what food is eaten, when our heart and soul are sincere, the food would be digested to a proper usage and function to our body. Whereas if one hasn't the peace of mind, and you might be taking the 'best of the best' type of food on earth, you still might not gain the essence of the food taken. If this particular young mother who is selfish and a sensitive lady, I wonder whether this Organic Foods would actually benefit her. As far as I know, she isn't a healthy lady herself at the moment. I  darn not tell her directly but I wish she could read my blog here. 

Food for thought - "Part of the secret of success in life is to eat what you like and let the food fight it out inside"  - Mark Twain

To be in love again.

This title "To be in love again" was written on 27 Dec 2007, the more I read it again the more I like it. Have I changed, 'NO!'. In fact I enjoy even more on writing now. And I am glad I still love my little darling as ever. For those who haven't read this title before, please share my feeling here.....

Love is a splendor and to be in love is splendorous. When a person is in love, his eyes show the grow. His heart flows with happiness and joy which stimulates his mind with blissfulness. The thought of his love excites his life. Everything he sees is beautiful and looks like there is no obstacle ahead. He looks forward to a new day as a challenge. To be with his love and to make her happy. In turn, she creates hopes for the man. Hope is like another force which can work wander to both lovers. Love is translated into positive energy which can enhance a person's well being. His personality is pleasant, calm in nature, sweetness in words and confidence in personal drive. Over all, his performance at work will definitely be better and his life will be more meaningful as well. All successful person have someone to love in order to go for the extra miles.

Nobody could live alone and be happy. The smarter one won't. If you happen to be reading this blog now and are not in love yet, don't be stubborn, give yourself a chance to allow another human being of your opposite sex to fall in love with you. You will be surprised, how much you have missed out in life. In order for me to have a heartfelt age of 38 turning 37, I have to fall in love again. I hope the lady whom I love dearest be reading my romantic blog too. Dear darling, thank you for allowing me to fall in love again one more time.

The words from an admirable lady spurs me, "No man can be truly happy until he translates the words from the Golden Rules into deeds and shares happiness with others."

CONFESSION​AL.....

A guy goes into the confessional box after years being away from the Church.

He pulls aside the curtain, enters and sits himself down.

There's a fully equipped bar with crystal glasses, the best vestry wine, Guinness on tap, cigars and liqueur chocolates nearby, and on the wall a fine photographic display of buxom ladies who appear to have mislaid their garments.

He hears a priest come in: "Father, forgive me for it's been a very long time since I've been to confession and I must admit that the confessional box is much more inviting than it used to be".

The priest replies, "Get out, you idiot. You're on my side of the CONFESSIONAL BOX!"

The hair cut......

If you had problems with your sons who fancy long hair, perhaps this joke might help.

A teenage boy had just passed his driving test and inquired of his

father as to when they could discuss his use of the car.

His father said he'd make a deal with his son, "You bring your grades

up from a C to a B average, study your Bible a little, and get your

hair cut. Then we'll talk about the car."

The boy thought about that for a moment, decided he'd settle for the

offer, and they agreed on it.

After about six weeks his father said, "Son, you've brought your

grades up and I've observed that you have been studying your Bible,

but I'm disappointed you haven't had your hair cut."

The boy said, "You know, Dad, I've been thinking about that, and I've

noticed in my studies of the Bible that Samson had long hair, John the

Baptist had long hair, Moses had long hair, and there's even strong

evidence that Jesus had long hair."

(You're going to love the Dad's reply!)

"Did you also notice they all walked everywhere they went?"

Truth breeds goodness... my reader said.

I had an interesting comment on my recent title, "A third generation's sale" dated 12 April 2012. For those who had missed reading it, I like to share them today here.

Anonymous said...

Hello Robert,
From your article, you look like a really genuine insurance agent who cares for his customer. Allow me to share an experience. Some 30 years ago, an insurance agent befriended me. Through the years, we develop a good friendship. He sold me a few plans, the last just before my retirement. Now, after that the phone calls stopped, though we are still connected by email. No more coffee get together. This same thing happened with another agent of mine from a different ins co. This showed me clearly the true strategy of an ins agent. Come in as friends, gain trust, sell as much as you can, and slowly get out and start again with a new customer!!?? Its hard to really get true friendship without money in it??

And the more experience they gained, the better is their acting to gain your trust and accept him as a family friend. While all the time he actually see you as a source of income, nothing more! No different from other salesmen who sells other products 'for your benefits!' But I m quite sure Robert is the really rare kind in the industry! Your comments please!

May 1, 2012 8:00 AM 

Robert said...
Hi Anonymous,

You are truly right. The world is full of different types of people, the bad & the good, or the sincere and the non sincere type.

Most salesperson works the same, especially the young one. They are driven by incentives. Without the carrots, they can't hardly moved.

They don't sell with just love alone. They might not even know the true meaning of what is love. But for sure they know what is money. Can't really blame them. The companies they represent and the agency managers that work along with them, all insist the result from the agents.

I have been selling for the past 44 years. The first half of my career was basically was also for the cash return. Today I sell because I love talking and selling insurance allows me to talk endlessly. Thanks God I am an life insurance agent.

And thank you for reading my post. Whoever you are, have fun with the world and life would be merrier.

May 1, 2012 8:54 AM 

Anonymous said...

Thank you Robert. It is interesting to note that even you adopted the strategy for 22 long years, for the cash! Lucky for your customers you finally made the transition! Most never did! Sad thing for others' customers..?

May 1, 2012 9:49 AM 

Robert said....
Hi Anonymous,

All of us have to learn the mistakes in life. So sad! Most don't.

After all, "Mistakes are our teachers!" Is high time, I have to share my experiences on my blog, Wisdom of Life.

May 1, 2012 10:30 AM 

Anonymous said...

Dear Robert,
Yes I agree .. Mistakes are excellent teachers, and mistakes (same) must not be repeated. I sincerely hope that you as a sifu now in this industry will teach the younger ones not to repeat. I always believe that any less than
being truthful will sooner or later be discovered ! Truth breeds goodness even with less profits but eventually with bigger vol of customers. Thanks Robert for teaching your fans and students who look up to you as an outstanding insurance age.

May 2, 2012 9:47 PM