Hugs and kisses are better than frog.

A lady friend was lost with these quotes; “If you eat a frog first thing in the morning, the rest of your day will be wonderful.” and “If you have to eat a frog, don’t look at it for too long.” These quotes are from Mark Twain.

She seek my enlightenment. In simple terms, they mean ...Your frog for today - looking all ugly and nasty on your plate - is the most important, most challenging, the biggest and hardest task you could possibly do. Now imagine finishing that task early in the morning, before you do anything else. Don’t think about it twice, just start working on it and don’t stop until it is finished. It will give you a great sense of accomplishment for the rest of the day and if you keep this momentum going you will have a very productive day.

However when she applied them on her children, they didn't seem to work. The children were saying it's damn silly to eat frog in the first place. There is no frog available and why should we eat frog!!! The mother was at lost again.

Oooop I see! It didn't work ah? Try this then... If you allow me to hug you tight with a warm kiss on the lip first thing in the morning, the rest of your day will be wonderful. She understood it so well and immediately applied it every morning to all children. So why frog when kisses and hugs are free?

Do you know - "A kiss without a hug is like a flower without the fragrance."

Difference Between Complete & Finished...

Have a Sunday laugh please....

People say there is no difference between COMPLETE & FINISHED. . but there is:

When you marry the right one, you are COMPLETE....

And when you marry the wrong one, you are FINISHED.....

And when the right one catches you with the wrong one, you are ...

COMPLETELY FINISHED !!!!!!!!!!!!!!

Oral Contraceptives: The Societal and Health Impacts

A reader Kristin Davis who likes to share her topic on women's health as my guest blogger for today. This is what she wrote......

Sexual responsibility remains a major topic for women today, especially with the increasing number of birth control options on the market. Unfortunately, receiving unbiased information regarding healthy sexuality is difficult because contraception has become such a profitable business. Although condom advertising remains common, oral contraceptives are the modern contraceptive alternative many women choose and receive the highest levels of promotion. Unfortunately, most users remain oblivious to this method’s limitations.

For birth control pills especially, a serious lack of available information regarding their effectiveness and safety remains. While appealing because of their easy use, effectiveness and affordability, it’s important to realize that because of this drug’s popularity, oral contraceptive sales have become a major industry with huge profit potential. Drug manufacturers now promote their products heavily and regularly encourage health facilities to do the same. The U.S. government even endorses the use of these drugs, encouraging their use in family planning clinics targeting indigent, unmarried women.

Unfortunately, this heavy marketing can mislead young women, who might believe these products are total health safeguards. Furthermore, many manufacturers advertise their products as treatments for additional health conditions, including acne and depression. Although these products have led to the welcome decline in unwanted pregnancy throughout the U.S., the increased rate of sexually transmitted disease might actually be a result of misconceptions regarding these products. Young women protected from pregnancy might be emboldened to have unprotected sex, believing disease prevention is just one more benefit of these “miracle drugs.”

Indeed, manufacturers of these contraceptives have little reason to dispel these misconceptions and hurt their profits. In truth, several manufacturers have contributed to the widespread misconception surrounding their products, regularly failing to point out important details regarding safety. One oral contraceptive producer, Bayer HealthCare, was even cited by the FDA for deceptive advertisements they produced. Labeling their products a total quality-of-life enhancement, the FDA found these ads further misled teens with unproven claims. In addition, Bayer was cited for substandard conditions in a plant that manufactured these drug ingredients. However, the company’s annual multi-million dollar advertising campaigns continue to overshadow these revelations, preserving its product popularity.

Although this lack of corporate integrity is alarming, the severe physical consequence of these drugs is even worse. Oral contraceptives literally alter women’s hormones and can actually cause permanent side effects, like infertility. Originally introduced in the 1960’s, recent evidence links the use of these drugs with the increased rate of cancer in U.S. women. Although easily dismissed by their harmless appearance, these drugs literally upset many significant aspects of women’s physiology while misleading the body into believing it is pregnant.

Mounting Yaz lawsuits today highlight just how serious the health consequences of these pills are. Users of Yaz, the most popular oral contraceptive currently sold, have experienced severe side effects including heart attack, stroke and gallbladder disease, with some cases even ending in death. However, until the seriousness of sexually transmitted disease is recognized, pregnancy prevention will continue to be the focus of young women, to the exclusion of other risks.

Although instances of unwanted pregnancy have declined recently, rates of sexually transmitted disease continue to climb. This might be explained by society’s views toward sexuality and which behaviors are acceptable and which remain taboo. While society still holds strict stigmas regarding unintended pregnancy, sexual promiscuity has largely been validated in our culture. This inconsistency is ironic because sexual promiscuity is arguably more dangerous than unintended pregnancy. While young women have several safe options in the event of an unwanted pregnancy, women who become infected with these diseases risk permanent harm to their bodies and might continue to spread their illness.

Furthermore, popular drugs preventing pregnancy can lead to severe consequences themselves. Unfortunately, with this fixation to avoid pregnancy, many women ignore these other serious physical risks. Based on recent health data, it is obvious that measures to prevent pregnancy do not ensure safety from disease as well. Unless women are made aware of oral contraceptive limitations and dangers, the production of these products will remain extremely lucrative and the related health trends will undoubtedly continue to escalate.

Passion & Love in selling.

Selling tips...

If you are new in selling life insurance, selling those 'first' policies to your friends could be easy. Cash and incentives are the prime mover. They create the drive to make you sell and sell. How long would this last? Perhaps few weeks to about three years, depending on the amount of friends you have.

Next! If you intend to stay longer or to remain permanent in this challenging career, you need more than cash & incentives to make you stay. To be able to sell more than one policy to your clients, you need to have 'Passion and Love'. A repeat sale on an existing client seems easy because the client could have known you better now. On the hand if you have the chance to sell even more plans and covers to one family, you have to be serious in every way. Can you remember what had been transpired all these years with your clients and their families? Do you know what are their aspirations and dreams? Can you feel for their happiness and sorrow as they walk their lives together with you? Were you there when they fell and when they rose were you there to cheer? Most likely you know how the new insurance and benefits work, but could you still be able to remember those old plans and entitlement that you have sold to them years back? Can you remember how many times they had been admitted for being seriously sick? Do you know when the master of the house is retiring? Do you know when their children are going for their further studies, when heavy financial needs are required? When their children are turning violence or rebellious, were you there to provide counselling and advices?

See! Selling the 'first' policy is definitely easy when you know so little about the clients. To have the repeated sales, you need all the interest and desire to grow with all your clients. This is what i called the 'Passion and Love'. If you don't have them, you would never be able to stay long in this caring business...Life Insurance.

Totally agreed with this quote - “Nothing great in the world has been accomplished without passion” - Georg Wilhelm Friedrich Hegel.

How do you feel when u are cheated?

Would you feel angry, annoyed, upset, frustrated and painful in heart when someone had cheated you? Yes! Most would. One of my dear lady was devastated when she realised she was short changed for some currencies exchange with a recommended money changer in town. By the time she reached home in the night, on calculation she noticed she was short paid for a few hundred. The anger disturbed her entire sleep.

I had a chance to speak to this lady lately, when i attempted to relieve her sorrowful heart. I offered her a question. If i was the one who had given you the cash in the first place and you were still being cheated, would you still be angry like now. Please ponder a moment! Remember the cash was from me. She took a deep breath. Yes! Though the money wasn't mine but because it was given to me, i would still be upset and unhappy over it. The pain might be less painful perhaps.

Next question to her. Okay! If i could have given the money to an elderly monk and he too was cheated in the same manner like you.... Do you think he would be as angry and upset like you? My dear lady was speechless. She couldn't answer this unexpected question.

Please allow me to answer. A young monk who has not experienced enough spiritual guidances and teaching might react like you. I believe an elderly monk who lives in simplicity needs no money to survive. He came with nothing, possess nothing and leaves the world without anything. Confronted with the similar situation, he would not be angry with himself or the person who had cheated him. Most likely he might take the experience as a learning process for his spiritual path and would not be angry with the other person either. He would try to forgive and forget. This is the highest point for achieving enlightment in oneself.

The purpose of me writing this topic is to tell my dear lady, Yes! money is important but never let money be the root of all evils. We might not be as spiritual and pure like a highly noted monk but we could try to emulate some of their fine points of life. "Forgive and Forget" is the first step to be wiser, when your mind would feel lighter and the heart is more happier. This is what i called Wisdom of Life my dear.

Specially for this upset lady - "To forgive is to set a prisoner free and discover that the prisoner was you. " ~ Lewis B. Smedes

The playful 22 of age... Me!

Let me introduce my younger self. The above photograph was taken when i was only 22 of age then. I displayed this photo on my FaceBook Wall too. Recently some friends posted some comments on it. Like to read them....

Faisal Renzo.. BT1999...nice number..hehe

Robert Foo.. Ayah! my younger brother there lah.

Namsai Cheong.. WoW! Like Elvis.

Robert Foo.. More than Elvis..coz he didn't know how to sell life insurance though he used his mouth to sing only. He touched people's heart. Me too!

Namsai Cheong.. Cool! but you look more handsome now.

Robert Foo.. Thank you for that truthful compliment. Heart is at age 35 years young currently.

Alvin Foo.. what a shot dad! this is one of my most unforgettable shot of you. From this angle, it looks like Caldwin!

Robert Foo.. Tell me son. What do u see in tis shot of your dad at that age?

Alvin Foo.. i see a young man full of aspirations, dreams and energy but lacking the naughtiness and wisdom of your current self. You certainly had came a long way and what you had achieved is nothing short of an inspiration to me. As you continue to get younger, there is so much ahead to look forward to. We still have a long way to go and many more years of staying young at heart with a naughty mind.

Robert Foo.. See! This is what i called "Facial & Personality" studies of a person. By looking at a person seriously, you cld almost see his future and destiny. My past photo outlines my present fate. Yes! Certainly dad has to grow younger in order to last longer.
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Though 40 years had passed, when my mind has broadened so much in life. The uncountable mistakes and experiences i had gone through helped me to understand the world better. Not a bit have i regretted myself for the right or wrong doing of my past but certainly i am glad The Universe has given me a chance to live. Mind has been older and wiser but definitely my heart is relatively as young as the one posted up there. May be even more naughtier ....

I strongly believe this quote - "Twenty years from now you will be more disappointed by the things that you didn't do than by the ones you did do. So throw off the bowlines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover" --Mark Twain

I sell to live longer in life

Today is such a wonderful day because i met up with a long lost friend of 28 years. WongTF had left the country for England six years ago when his business failed after when he was cheated. Armed with only two hands, he managed to turn around and managed to save some money home. Today he is back in KL venturing into some new businesses which might be a good start for him here. He had the thought to buy life insurance currently, because all his previous policies had been lapsed or terminated. Still keeping my telephone number, he contacted me for the intention to purchase insurance from me. Though there were many agents who were trying to approach him, non was able to sell anything to him. Reason; the one person whom he could trust on Life Insurance matter is Robert Foo. Unless he is no longer around.

The above was the exact words of what WongTF related to me. Wow!!! What a joy to hear it! One question from my good friend. He asked me why i am still selling life insurance at my age. Jokingly i said...i know you would be a millionaire again and i have to wait for you to return, so that i would be the first to effect you with the million cover. Haha!!!

This is my real reason. Twenty eight years ago when i sold him his first policy, that was the time i needed the sales so that i could survive. I needed the money to support my family, i needed the cash to make sure my children would be able to complete their education, i needed the incentives to bring a better and healthier life for everyone at home. Thank you WongTF. You had helped me and my family to grow. Today i am still selling life insurance because i needed to live. Talking is my hobby and life insurance allows me to talk endlessly. Thank you again WongTF because by you taking this product from me now, you are putting more hope and value into my life. Your trust and confidence on me energise my thought. Yes! Equally i trust and believe i would live much longer healthily, so that i won't fail you in anyway as we walk the last journey of our lives.

In short; "Last time i sold to survive and today i sell to live."