once upon a time, i walked into shopping malls, carefree, and when i see people coming near me, trying to sell some of their products, i would try to avoid them, and tell them i am not interested or i'm a student. when i go into banks, which i very seldom do, but when i go, i too avoid those people who come around me, pestering me to apply for credit cards or whatsoever shit they are selling.
when i hang out with a certain group, no one person act, me and sis used to ask each to her if she's gonna sell us that. and we too did try to avoid meeting her. when my dad told us about it, i never took it seriously. and was like "err, ok lo." or "cincai lo". all i knew was, yayyyyy we get the money later.of course the previous ones was NOT life ones la. and i seriously din give a rats ass on it. how it worked, how it can help us. no i din care at all. when they used to come over to our house when it's almost expiring, mom would complain to me, and i would continue also, " cheh, why they coming"?'just say we duwan la. we got right. duwan means duwan. dun force us. " and the list goes on la.
and the irony is, now people are going to label me as that. al lthat i mentioned above. at work, i am constantly scrutinizing each customer, seeing who i can ask to apply credit card, getting to know customers and see if they need and wanna buy insurance. i am doing smth i nevr believed in. or would i say take an interest in learning. but to be honest, it's not as bad as thought it was. no the muka tembokness is badddd, because you keep getting rejected, and its farking depressing.seriously. in one day, i get rejected more then 10 times. think bout it. but wat i mean is the product. (insurance to be specific). its actually a very good savings+investment+protection plan. in the bank, we have the savings+investment component, where else the dif with agents is its a 100% traditional life insurance. ours is called an investment-linked life insurance. and to be honest, why i say it's a good plan. ok this shouldnt be ocming from me as i am a spend thrift, but i am learning to do financial planning. think of it, how many of us will actually keep aside a certain amount of cash for our future?sudden death?sudden discovery of critical ilness?emergency.. as in you walk out the road, a car bangs you, you die. things we cant predict. have we ever thought of it?will we have the money to take care of it?willyour family be ok financially? or if just say, your life depends on your hands. e.g: your a construction worker, your whole life depends on it. suddenly an accident happens in work, and your paralyzed. one hand gone or one leg gone. whats next?your wife is a housewife?your children are small. so what happens?if you don't have a savings plan, whats gonna happen?life insurance is not for yourself. its for your loved ones. if ok, some of you may say, i can save in bank, i am very disciplined, ok good. you think that way. but now i ask you, you save in bank, your normal savings account or fd, how much can you get back in 30years time?????per annum, fd rates is 2.5%. savings is miserable 0.5%. did you know with bancassurance products, your interest rates at the lowest downest times in the market (economy), your interest is 4%? and on stable times, it can go up to 7%?dun believe?call me, i will explain more. plussss you get protection for your whole life. depending on what plan you subscribe to. minimum for a policy is rm125. 125 monthly. u get back double savings, and protection for life. isn't that good?honestly, i am going to buy one of it. cz i personally feel its good. 125 a month. if it is in my pocket, i will spend. if its in my normal savings, i can withdraw ma. somemore got meps. but i wanna invest in a bancasurance product. because what if *touch wood*, i am diagnosed with some critical ilness?when i am 35 years?treatment for these ilnesses aint cheap. 35 years is 13 years from now. how much can i save by then to cover my medical treatment?i wanna sleep in private hospital, i wnaan get royal treatment. but what if i cant save up enuf by then? or what if i die tomorrow? and i don't have any savings. my savings not enough to even buy my coffin?what happens? that's qhy i want to buy a policy, that helps my money grow faster, and i get protection for life. it makes sense. and it's with the most stable bank. public bank wont simply sign with any insurance company. our money is safe. yeah, it's a bit more ex compared to when u buy with agents, but ok, not condeming anything, but your money is in their hands. i wont elaborate more. think you shoudl know where i am heading to. but if you buy a bancasurrance product, nobody handles any of ur cash. deducted via credit card, debit card or straight to teller. everything is very transparent. ok, investment part, year 1, 70% goes into buying funds/units. year 2-5, 85%. year 6-10 is 95% and year 11 onwards, 100% goes into buying funds units and investment anddd the protection still continues.
i am seeing the good part of it. it is good. not just sweet talking you into buying smth so i hit my target. NO!. honestly, i really think its a good way to save, and plan for future. and your protected for life. most of the time, financial situation comes in the way. it is always a very big problem. most of the time. so think bout it. :)
anyways, i am going to pack, then study and sleep. updates weekend yeah?staying in sitiawan tomorrow till friday. byee.
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