Happy New Year 2023

Assalamualaikum wbt dan Selamat Sejahtera semua.

Pejam celik pejam celik, dah 12 tahun tak kemas kini atau jengok2 blog sendiri. Macam tak sedar begitu cepat masa berlalu. Ini pun hanya biar jari jer taip sesuka hati.. hahahaha

InsyaAllah, saya akan cuba merajinkan (azam ke?) untuk update blog hehehehe

Will try to make this blog more informative to remind and educate me and the people around me. Sharing is Caring was always a good quote. right guys?

Well, let's catch up later.

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Why we need Insurance ~sharing is caring~

Given the complicated and fast-changing world we live in today, we encounter many dangers and risks daily. Such vulnerability and openness to jeopardy make us easy prey for predators of all forms, be it financial, physical, etc. Because of this, we ought to find ways to reduce our exposure to risk. To do so, one good way would be to transfer risk to third parties. Here, to gain knowledge on how to transfer risk, please read on! Today, with our society's complexity, one of the best ways to transfer risk would be through insurance. Many might think that insurance is expensive and a waste of money due to the high premiums paid. However, in contrary to their beliefs, insurance is in fact an important tool everyone ought to use as you basically only pay a tangible cost (money) to get intangible benefits (confidence, certainty, productivity, etc) and tangible claims (if something happens to you). Here, you can spend 1 to get 2 rewards. Given this, wouldn't insurance be a good inv...

Less than 5% are prepared for retirement??? OMG!!!

“I wanted to persuade a friend to save for the future but she kept saying she had no money but then later I saw she could sign up RM3,000 and RM5,000 for some slimming packages!” Reality hits when people find that they cannot afford to retire because they had not seriously put aside the money early on in life. Ng: ‘Less than 5% are prepared for retirement’ “Less than 5% are prepared for retirement,” estimates Life Insurance Association of Malaysia (LIAM) president Ng Lian Lau. He says those in their 20s think they are too young to think about retirement, while those in their 30s and 40s tend to believe they are doing enough because they have their EPF savings, and those who are 55 feel it is just too late for them. And the truth is at 55, most people cannot afford to retire. “People are living longer, life expectancy for women is 76 years. For men it's 72. With this kind of longevity, people have got more than 20 years after retirement. 60 would be a more ideal retirement age,”...

A Simple 5 Reason Why Saving in Insurance is Compulsory

Doesn't it just conjure up some insurance salesman knocking on your door trying to sell you a policy that covers you for accidents only, for a small amount and costs you the earth? No? It doesn't too me either because those days are long gone! I prefer to call it "Life Assurance" anyway, because it is assuring you that your life is covered in the event of death and that what your life is insured for, will be paid out to your estate or policy owner. But how many of you actually have this cover in place? I know of lots of my friends, who are in their 20's and 30's who don't have the cover because: 1) they don't know anything about (lack of education) and 2) they don't think they need it and see it as an extra cost. How little they know... like anything, the earlier you start, the cheaper it is... Following are 5 important reasons why YOU should have life assurance and why those around you too should saving and/or invest in this: ...

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