汽油柴油零售价下降

从今日起(23/8/2008)，RON97 汽油零售价格下降0.15仙 至每公升2令吉55仙；柴油零售价格则下降8仙至每公升2令吉50仙。目前的零售价格如下：

23日零时起生效：
1）92汽油 -22仙=RM2.40
2）97汽油 -15仙=RM2.55
3）柴油 -8仙=RM2.50

今天，这可说是一个很好消息； 对于从事行销业务的，至少可以为他们的事业，有一定的帮助, 减轻负担；可是，有人不觉得这汽油柴油零售价下降当一回事！为什么呢？

有一位先生说：降幅涨幅相差太多！在六月汽油柴油零售价涨幅为41% 和63.3% ；可是，昨天汽油柴油零售价降幅只是区区- 3.1% 和5.6% !! 所以，昨天，他照样添满汽油。

也有人说：有关当局提早一个星期调整汽油柴油零售价，是政府为了槟城峇东埔补选之际而宣布，难免让人有“派糖果之嫌“

对于从事运输行业的，这汽油柴油零售价下降，不会让他们在运输费上做任何改变，原因是现在所有的东西，都在涨价，而且通货飙涨至今高达8.5%!!

MRTA and MLTA

Recently, I found that most of people who buying house, will consider takes the MRTA from Banks. However, after i do some survey, most of them not 100% understand what MRTA is. They just know if "something unexpected" serious happen, then MRTA will activate and help them to settle the house loan from Bank. But, what is the meaning "something unexpected" serious happen?
Let me explain what are the different between MRTA and MLTA:

MRTA vs MLTA

Mortgage Reducing Term Assurance (MRTA) : - one of term assurance

1. Coverage: ONLY cover death or Total Permanent Disabilities
2. The coverage always reducing as every year the mortgage loan is settled, and become lesses and lesses. For example:
3. 
4. Question will appear if this situation above happens (critical illness)
• If I need RM 100,000 for surgical operation, do i have enough money to cover my life expenditure?
• If NO, how? and who can help me in this critical minutes?
• Who can cover my life after the surgical operation? My house loan need help, who can help me?
• How about others e.g. life expenditure : Car installment, Loan/ Debts, children education and etc? Will the employers will consider me to take long day off after my surgical operation? Properly NOPE. Then, how we survey and continues our life?
• If YES, congratulation. But, will you select to cover your surgical fees or life expenditure?
5. There will be good if we able to settle everything without happen any critical. But MRTA has no saving concept, and it is a term insurance. So, after 2 5 years later, you will just have a house. Maybe at that time, you need money for retirement or child education fees?
6. If really unfortunately, i really left the beautiful world earlier stage reluctantly,and MRTA will cover the balance of mortgage loan, BUT how about our family, especially wife and children life style? What we give to them once we pass away in earlier stage? House or you think is it realistic to left some money for them to cover another 5 years or 10 years?
7. Today, many of us can consider get more than a house for investment purpose. For MRTA, we need to register new account every times we get a new house or shop. It depends to the number of house we have!
8. No Tax Relief
9. Cheaper than MLTA

Mortgage Level Term Assurance (MLTA)

1. Coverage: Death or Total Permanent Disabilities or 36 critical Illness
   
2. The coverage always remain the same and level or increase, depend on which product intro by agent. For example:
3. 
   
4. Question will appear if this situation above happens (critical illness)
• MLTA does cover critical illness, and hence we not need to worry where we can get the money or think who to ask to help in critical time. We just worry whether amount is enough or not
• If today we need RM 100,,000 for the surgical operation, after the MLTA activate, we can claim RM 300,000 ++, so RM 100,000 for surgical operation; RM 200,000 for the housing loan and we can re-financing and settle it fast
• We will not worry about our daily expenditure in short term, and not worry where to get money to settle mortgage loan and life expenditure while we rest at home and can't work
• If today the coverage I can claim is more than balance mortgage loan, properly i can adjust and settle my debts e.g. car installment
5. Saving concept in MLTA; we can withdraw saving part after completion of the mortgage installment; or continues this converage as our whole life protection.
   
6. If today we are unlucky and pass away in earlier stage, MLTA can claim the original amount (RM 300,000) and after settle the balance mortgage amount, the balance we can left and give to our wife or children to support them
7. Nowadays, many of us can get more than a house for investment purpose. For MLTA, we may not to register a new account for each new house or shop, as long our MLTA manage to cover the amount that we want to borrow from financial instrument. MLTA basically cover personality, and cover for numbers of house
8. Yes, Tax Relief
9. Expensive than MRTA
   

Centennial AddVantage Insurance

现在让我来介绍一个经济保险给大家,超棒的!! 既经济,既划算!!!

假如一天,我们可以剩下RM 3.50， 你会把它存起来吗？那一个月后，RM 3.50* 30 天= RM105， 你觉得可以吗？
多数人可以存这笔数目， 可是存在哪里呢？

我有个户口， 一个月只是RM100， 可以拥有一个RM 100,000的人寿保险， 可以给我们保障如：不辛或者是早逝； 残废或者36 疾病保障*！！而且又可以储蓄！

然后， 每一年RM 100,000的保障，还可以增加1 %如下：

第一年，RM 100,000 的保障增值到RM 101,000，
第二年，RM 100,000 的保障增值到RM 102,000，
第三年，RM 100,000 的保障增值到RM 103,000，
如果是二十年后, RM 100,000 的保障增值到RM 120,000
三十年后，RM 100,000 的保障增值到RM 130,000

这增值的保障，完全是免费的，而且每个月还是只给RM100！！！
这户口，你可以当作是自己的人寿保障，或者是当作MLTA。由谁买屋子的，可以考虑这户口，当作是一个MLTA+ 人寿保障+ 储蓄户口

这户口，是个很特别户口。它是庆祝本公司100 周年，特别推出的。 它的特惠，只是到本月的26 日，还剩下2 个星期。 这特别户口，是我一生来第一次听到。所以，请快快为自己的保障值加保。 或者是谁还没有任何保险的，这是一个黄金机会，既便宜，又划算！！！
请联络我关于这户口啊！ 016-2630519 / email address: edmontan2000@yahoo.com
或者是游览这网站: http://www.lifeisgreat.com.my/lig4/newlig/products/products_greatlife.htm#a

*Term and Condition Apply

是时候了解自己的保单了！ 为什么？

通货澎涨! 通货澎涨! 样样都起价! 吃的，喝的，用的都起价！如何是好？！

这是现在大家的公共话题, 无论是年轻的, 中年的, 还是年老的,都和这四个字,都有自己看法. 所谓: "公说公有理, 婆说婆有理！"自己的看法是没有对于错。

身为一位保险代理员，当然有自己的看法。我的看法是：

“在这时候，金钱，对大家变得更加重要！大家都希望把自己辛辛苦苦赚的钱，收在银行里，以便在紧急时，可以套现， 尤其是现在的政治，多多少少都会担忧的； 有些人，把这些钱，那去投资如外汇和黄金，希望赚更多的钱防身等等。

这一方面的预防，是正常的：赚钱或投资，然后存钱，以便在特别的情况下，可以套现！可是，在另一方面，很多人都疏忽了。

在高度通货澎涨的情况下，人人都需要钱。而那些在没有办法面对这高度的通货澎涨的人，在没有办法之下，唯有出此下策：和银行贷款，又或者是想“大耳窿“借钱等等。。。和银行借钱，还好一点。 可是， 假若银行不批准下， 为有和“大耳窿“借钱， 然后在没有办法下，唯有打劫/抢劫。 每天我们都可以在报章上，阅读到 xxx 在被人打劫时受伤； xxx 被人误看伤； 在汽油站，有人抢劫或者抢车等等。。。因此，现在少数人会在外喝茶，又或者造出早归，避免不如意事情发生。

以上我说的，至少我们还可以避免。可是，在这种时候，假如我们和不幸的，被疾病“看上了“，或者是不辛发生意外，而且如果需要一批钱来治疗，RM 100,000 - RM 300,000，请问我们应该如何是好？多数人都会说“我有保险赔索，不必担心“ 可是，足够吗？
如果是需要RM 100,000,可是保险赔索只有 RM 50,000，那剩下的，请问你会用自己的血汗和辛辛苦苦赚回的RM 50,000如有？如果没有呢？谁会在这时候借钱给我们？

因此，我们应该看回自己的保单，检阅和知道自己的保障值，看是否足够！若不，请快快和你的代理员联络！！
或者如果自己不会/不了解自己的保单，又联络不到你的代理员，你们都可以和我联络：016-2630519
email address: edmontan2000@yahoo.com

(只是供与马来西亚）

Nobody Plan to Fail BUT Fail to Plan !!!

In the market, there are plenty of saving tools that we can selected to plan our lifestyle at age retire. The saving tools currently we known-well are:

1. EPF
   
2. Bank: Saving Account, Fixed Deposits
   
3. Investment: Mutual Fund, Equities, Unit Trust, foreign Exchange
   
4. Property: Shops, Houses, Lands, Assets
   
5. Insurance: Endowment

Besides the 5 saving tools mentioned above, there is a new saving tool in the market, name Annuity Income Account, which also can help us to plan our lifestyle at retire age. This account currently is very popular in the market, and most of the Insurance Company and Banks have launched this account since few years ago. As Great Eastern agent, let me share my company's Annuity Income Account

For an example:

Example

1. A 30 Age person, saving 24,000 per year, and it is ONLY saving for 10 Years. Total savings in 10 Years is 240,000.
2. After 10 Years savings, the 1st Check payable worth 33,000 will issue out.
   
3. On sub sequence year, a check payable worth 12,000 will be paid, and this amount will continue issue by company until age 87, and yet total is 600,000
4. Upon maturity age (87), this account will close, and our principal 240,000 plus interest calculation, total 400,000 will pay back
5. Grand Total is 400,000 + 600,000 = 1,000,000.

- There are 4 Benefits for this Annuity Income Account, which are:

1. Guarantee savings ONLY for 10 years
2. Guarantee cash back AFTER 10 years
3. No Risk as it is a saving account; Return 5%- 8% which is higher than others saving account
4. Free Insurance Coverage 160,000 where cover Death/ Disabilities; If there is one of 36 critical illness occur, let say at 2ND year already do saving 48,000, company will save the amount for the balance years on behalf us.

The purpose to open Annuity Income Account are:

1. Retirement / Protect EPF Account: Upon retire age , let's say 55. Our health condition is not good as our younger stage. Besides that, if we do have family, our children will be around 22 - 23 years old and we need to pay their education fees. So, if we do so use EPF to settle above criteria, how much will left for your own retire lifestyle? 10,000 or 20,000? And how many years we can survive with this balance? Ask yourself! There is article said that 72% of retire person, finish spend the retirement fund within 3 years
2. Estate Planing: Today we work because we plan for "Today" and " Future" . We will not calculate 100% perfect, and completely finish all our savings before we leave the world.We will definitely have a balance. Let's we have a balance 1 million in our bank. In previous time, most of us will 100% give 1 million to our next generation. Do you realize it creates situation BIG money become SMALL money.

Why it become SMALL money? Think about it. our grand parents/ Parents can earn 1 million, shall the next of kin can earn 1 million too? Also, the wealth management ability play a important roles. That's why most business man worry rich can't pass over 3rd generation (富不过三代)


There is a way to resolve the issue where:

A. Instead 100% allocate and give to next of kin, we allocate 50% or 500k to them for their own usage

B.The balance 500k, we roll into Annuity Income Account where: 1) Every month company will issue an amount 2000 Check and 2) at the same time generate another 1 million. Grand Total to generate is 2 million in our account, and creates another extra 1 million in our account. This situation create SMALL money become BIG money







For details, please call me, 016-2630519 and we can arrange to meet for better understanding. Do hurry while stock last, ya !! :Þ

萍姐 Noodle House - 经济面

“每公升汽油零售价调涨到 RM 2.70，每公升柴油零售价调涨到 RM2.58“；导致我们得再次面对更高的通货澎涨如：运输费 起价，孩子的巴士费也起价，煤气起价，面粉起价等等，甚至在经营食物的，在无奈之下，也调涨每碗RM0.30- RM 0.40！ 我在外面招生意的， 吃的那方面，也得计算：得找 好吃，吃得包，又便宜的！！天啊！去哪里找啊？

幸好，我的认识一位萍姐。 她往往为我准备一个又好吃，吃得包，价钱又合理的。。。
看看这个“干捞面 ”
有猪肉丸，金黄炸的鱼丸，腐皮和豆腐，还有鲜甜的芽菜和青葱 ，然后最重要的主菜：也就是让我吃得最包的金黄色的面条。。。


你猜猜这一盘的下重本的“干捞面“需要多少钱？只是RM 4.00。 萍姐从来不会“偷工减料“，反而还会特别加料给她的熟客；她只要各户们吃得开心，吃得包，又吃得合理。
这碗面，我是吃得很开心。因为既经济，既吃得包。另外，我还可以认识其他老朋友，找他们聊天；口渴了，还可以向茶室叫茶喝呢！
谢谢你，萍姐！

我的部落格终于“诞生”了

用了半天的时间，终于完成了我自己的部落格，也就是说八月二十二日， 零八年，我的小宝贝诞生啰。

感觉上：很累，很累； 原来想设计一个部落格，不是一个简单叻！得想好怎样设计才可以吸引别人看我的部落格；想好了，还得到各处找很多很多的质料如：照片， 歌曲等等； 另外，还得回想些基本的Programing Language(HTML)，以便我可以修改那些资料，’放‘在我的部落格。

虽然很累，可是我也很开心。辛苦的付出，终于有结果了。这喜悦，就好像自己买了一辆新车；先苦后甜，这句话是对的。我会好好“照顾她“的。:Þ

还有，我的好朋友-健友，他鼓励我写部落格，把我的工作心得，经验，新的计划和好处，与大众分享；另外， 还透过我的部落格，给与大众，及我的客户服务如：保单上的不明之处；想找或者想了解一个适合的保险／储蓄保单；或者是自己的代理员没有在这行业了，需要代理员的服务等等；
他说：给自己一个机会，去认识更多的朋友，同时也给客户们有一个选着，去认识其他人的代理员，以便可以更了解自己之前所买的保单。目前，没有代理员用部落格给与客户一个免费的服务啊！:)

我希望我的部落格真的可以为客户们，设立一个方便之处。假如：真的需要我的服务的话：可以拨电话给我：0162630519 ,或者email 给我: edmontan2000@yahoo.com