If you bought Great Eastern investment-linked policy, such as Greatlife Portfolio Insurance and Supreme Flexilink Insurance, you will receive a quarterly statement. If your policy is in forced on 7th of January, your first statement should be printed a few days after 7th April, and subsequently every three months. Almost everybody find it hard to understand the statement. Of course there is exception such as some of my engineers or accountants clients who never asked for my help. So I decided to write a details guide on it. Look at ...

As a hot selling product of most life insurance company, investment-linked policy is most policy holders’ favourite insurance plan. You might or might not be informed that your investment-linked policy will likely to lapse in the future. The fact is that an investment-linked policy will probably lapse due to the following unforeseen circumstances: High insurance charges – Insurance companies charge a natural premium on your investment-linked policy. When you are young, everything is cheap. When you are getting older, the insurance ...

Four prime areas of personal financial planning and the elements involved: Wealth Protection Life Insurance Planning Income Protection Planning Asset Protection Planning Living Trust Children Incentive Trust Family Protection Trust Tax Planning Liability Cancellation Planning Business Continuation Planning Risk Management Managing risk of Double Tragedy Wealth Accumulation Investment Planning Unit Trust Investment Stock Investment Real Estate Investment Investment Portfolio Management Dollar Cost Averaging Retirement Planning Children Education Funding Home Ownership Planning Vacation Funding Wealth Management Tax Planning Cash Flow Analysis Net Worth Analysis Financial Goal Setting Debt Consolidation Debt Reduction Plan Lifespan calculation Mortgage Refinancing Wealth Distribution Will Planning Family Maintenance and Medical Trust Testamentary Trust Children Incentive Trust   Most probably you had gone through some of the elements during your wealth planning process. ...

The Star newspaper reported some discouraging facts about retirement in Malaysia: A daughter graduated from university this year is getting paid RM1800 monthly salary, which is the same as what her father got 25 years ago. Wages have not moved in tandem with the rise of the cost of living and inflation. That trend is expected to continue. “Less than 5% are prepared for retirement,” estimates Life Insurance Association of Malaysia (LIAM) president Ng Lian Lau. People are living longer, but get married much later. This means their children are still young when they ...

Google revolutionized internet advertising with AdWords and AdSense. I was totally surprised to be referred to AdGridWork from Bloggingtips, which provide almost the same service as Google’s contextually targeted advertising for 1 penny per click. No! It is totally free! Reported on May 24, 2007, AdGridwork has served over 36,236,221 impressions across 12,699,005 page views. Their network currently consists of 2,657 unique websites and is growing daily. Back in November 2006, two young men suddenly thought of creating a free, open advertising network and allow bloggers, small businesses and other website ...

Wise Bread wrote about the famous quote by Donald Trump in the post You’re Fired! 20 signs that a pink-slip is coming. If you find any three affirmative indications from the 20 questions discussed in the article, you are at high risk of getting your boss firing you. I find it hard to believe if any of my readers will answer “yes” to more than three questions. Money Musings told a story about a woman highly in debt just strike the lottery recently.  Lottery Mom's Money Mistake Pays Off Big. Remember ...

Being a life insurance agent myself, I always find out my client's needs before I propose any insurance product. All these years, some insurance products had been withdrawn and no longer available to the market. But there are always new products launched every year. It may be a whole new plan, or just another additional rider to be attached to existing policy. Since I am dealing with Great Eastern all these years, I am much more familiar with their products. So here are some insurance plans which are hot selling ...

I will use a story to illustrate how to protect your children by creating a living trust. Jim is a caring husband, and also a good father. Being married to Susan for two years, they own a lovely home with a six months old son. Both parents are working very hard for the future of their family well being. Realizing their economy value, Jim and Susan just increased their life insurance coverage to a total of $500,000. As usual, Jim nominates Susan as the sole beneficiary and vice versa. One ...

Born in 18-April-1983, Kumiko Suzuki is a young, smart and cute lady who is part-time blogging and part-time promoting websites. She likes pink color so she colors her blog all pink! How Kumiko makes money from her blog? Kumiko is an honest blogger who reveals her site's income to her reader without much disguise. Her blog was given a PageRank 5 by Google (the higher the better). Besides running her blog, she also has 2 other websites: www.bloginterview.net - PR4 www.johnchow.info - PR3 Kumiko publishes her earning weekly. She makes money online ...

Do you need critical illness cover ( also known as 36 dread diseases cover)? YES! Everybody need it. Don't ever think that you will be healthy all the time. The fact is that humans health deteriorate over time. I have seen children suffered from cancer and kidney failures too. It is scary if you ever imagine these dreadful diseases strike us someday. If you suffered such an illness you would be able to obtain cover that would allow you to receive a lump sum to help with recuperation, medical costs, payment ...