Most policy holder who bought the common 36 critical illnesses coverage (also known as 36 dread diseases), will have the definition clearly stated in their life insurance policy. Here is the definition taken from Great Eastern Life insurance policy. Other life insurance company also uses the same definition although some wordings might vary. Anyway, the general definition should be the same. Here is the list: 1. Heart Attack The death of a portion of the heart muscle (myocardium) as a result of inadequate blood supply and being evidenced by:- (a) A history ...

Since you are reading this post, you must be considering hard whether to migrate your existing free blog at Wordpress.com to self-hosted blog using the free Wordpress software from Wordpress.org. You’ve come to the right place :) I faced the same dilemma few months ago. But I made the brave move to migrate. For your information, it is so much fun to run your own hosted blog. It is a million times better. You should stop your hesitation now, and follow my 5 easy steps shown here. I promised that you ...

Introduction John Chow, born in year 1965 in China, went to Vancouver, Canada with his parents at age 7. He graduated from the British Columbia Institute of Technology with a degree in Financial Management. Ok! I’ll just cut the crap. Who doesn’t know John Chow in the blogoshpere? If you are reading this post, what will interest you is how John Chow manages his money right? more..

Shopping online is a process in which buy and sell transaction is completed electronically with a credit card, or an established credit account (such as Paypal), or transferring money straight into sellers account. Images or listings of goods and services are viewed remotely via the Internet for purchase. What is the advantages of shopping online instead of buying the goods at retail store? Having shopping online for many years, I prefer online shopping because of the following reason: more..

There are so many types of life insurance policy in the market. Currently there are 16 life insurance companies in Malaysia and most of them provides more than 10 products. So how do you choose your first insurance policy to buy? Most likely when you are approached by an insurance agent, you are presented with Investment-linked policy. It actually makes sense to buy investment-linked policy as the first policy you should own. Here are the reasons and advantages: more..

I read this marvelous idea from The Carrot Principle by Adrian Gostick and Chester Elton. At page 118, they said author Quint Studer in his book Hardwiring Excellence provides four good engagement questions. After you had identified a contributing, energized person whom you wish to retain for as long as possible, ask these questions at your first service award touch-point: after 3 months of service. Question No.1 “You’ve been here three months now. Let me ask you, have we lived up to our promises to you? After all, when we recruited ...

Updated Report of Life Insurance Company financial status   To check the financial statement, financial report, and life insurance companies financial status and balance sheet, please download Insurance Report dated year 2005 published by Bank Negara Malaysia. BNM also publishes many reports on this page, including takaful report. At the time of writing, BNM only published the insurance report for year 2005 only. You should check on the page above to find out whether BNM had published the latest report.   As updated in year 2005, the balance sheet shows the 16 life ...

I recently tried out the SignalInvest Personal, an online service that can monitor your unit trust transaction and performance. Since it is the sole and only online service that is able to monitor unit trust investment without much hassle, I signed up and give you a short review here. If you don’t mind paying RM1.00 for SMS fees on the 14 day trial access, I suggest that you go sign up now to give them a try. The system is pretty useful. more..

I did some research on the internet about unit trust companies in Malaysia. Here is the summary of everything you might be interested. For the history of units trust, visit this page from FMUTM History of Unit Trusts Malaysia introduced the unit trust concept relatively early compared to its Asian neighbours, when, in 1959, a unit trust was first established by a company called Malayan Unit Trust Ltd. Learn more about unit trust You can read my unit trust related articles. I highly recommend that you read these articles before doing any investment in ...

There is sometimes confusion about what exactly an affiliate program is and how a person can actually make money online and earn a residual income through one. Is a Pyramid program similar to an affiliate program? The truth about Affiliate program: 1. Affiliate is an internet marketing model in which participating webmasters (affiliates) promote a merchant's products and/or services on their web sites to earn a commission for generating clicks, leads, or sales from a graphic or text link to the merchant's site. You can participate as a direct affiliate through merchants, ...