Anda Rasa RUGI Ambil Takaful, Tapi Anda LAGI RUGI Kalau Tak Ada TAKAFUL. Sekiranya Anda Tidak Membuat Sumbangan Hari Ini, Satu Hari Nanti Anda Pasti Menyumbang Dalam JUMLAH YANG BESAR Kepada Hospital
Pepatah Lama Yang Sudah Bertukar – Harimau Mati Meninggalkan Belang Tapi Manusia Mati Meninggalkan HUTANG.
Anda Sudah Mempunyai Perlindungan Dari Syarikat Anda Bekerja! Hanya Mungkin Berminat Selepas Bersara (Umur 55). Tahukah Anda Takaful Kesihatan Hanya Boleh Diambil Ketika Sihat Sahaja. Sudah Ada Diabetis @ Darah Tinggi Segalanya Mungkin Sudah Terlewat. Adakah Anda Boleh MEMBERI JAMINAN Anda Tiada Penyakit Apabila Menjelang Umur 50-an. Sanggupkah Anda Menggunakan Wang EPF @ KWSP Anda Untuk Membayar Bil Hospital???
Sekiranya Saya Minta Dari Anda RM 50,000 Sudah Tentu Anda Tidak Akan Beri, Tapi Kalau Doktor Anda Minta RM50,000 Adakah Anda Akan Beri Sekiranya Ia Melibatkan Nyawa Anda?
Welcome to my blog, Enjoy...!!!
Sunday, February 20, 2011
Why Life Insurance Is So Important: The 5 Main Reasons
Life insurance is a peace of mind that everyone should have. There are major benefits in having insurance. Should something happen to you or your spouse, it can mean a huge different in the quality of life for the surviving family. Here are 5 top reasons to consider having life insurance.
Reason #1: Funeral Expenses
Funeral expenses can be overwhelming for the surviving family. The average funeral cost is now topping over six and seven thousand dollars. By the time you figure the cost of a plot or vault, coffin or cremation, funeral home services expenses, funeral newspaper ads, memorials, acknowledgment cards, flowers, just to name a few of the expenses, it's very pricey. There are more expensive luxury items that can bring your funeral tally up over ten thousand dollars. Imagine your family facing that mountain of expenses without the comfort of life insurance.
Reason #2: Ongoing Expenses
The daily bills may not be so overwhelming while you are alive and contributing to the family fund. Once a main bread-winning loved one passes, those funds are no longer coming in, yet the bills still pile up the same. Just because your income has been cut in half, does not mean your water bill or electric bills is cut in half. Some expenses will decrease mildly, but not as much as the loss of income.
Reason #3: Less Social Security
If you are lucky enough to be receiving social security for you and your spouse now, remember, that changes when one of you passes. The surviving spouse no longer receives both checks. Typically, it's the greater of one or the other, but not both. Some retirements will stop as well when the recipient passes. Something to keep in mind also when dealing with Social Security is that when a recipient passes, Social Security will request the last payment they sent out. Even if a recipient receives their check on the 3rd and passes the end of the month, they still retract their money. This can be a financial setback if you're not prepared.
Reason #4: Less Burden
For the surviving family, that life insurance policy can certainly lessen their financial burdens. With enough coverage, you can ensure the house, car, credit cards or other bills are paid off. This can mean many years of comfort for the family. Imagine your spouse left free of a house and car payment. How comforting would that be?
Reason #5: Education
Whether it's a spouse, child or grandchild seeking further education, you could provide that for them. Think of it as your farewell gift. You enable loved ones to go to school and better themselves, start a new life or make their current standings a little stronger.
Life insurance is not just a luxury anymore. With the financial market of the world being so shaky, you ensure your family's longevity and comfort by spending a few dollars a month now on a life insurance plan. Nobody knows what tomorrow will bring, but with life insurance, you can assure them there will be fewer financial worries.
Planning ahead of the future is very important. Make sure to protect yourself and your family from any potential financial disasters. But life insurance is not just about protection, it's about having peace of mind knowing no matter what happens, your children and spouse will get everything they deserve.
Reason #1: Funeral Expenses
Funeral expenses can be overwhelming for the surviving family. The average funeral cost is now topping over six and seven thousand dollars. By the time you figure the cost of a plot or vault, coffin or cremation, funeral home services expenses, funeral newspaper ads, memorials, acknowledgment cards, flowers, just to name a few of the expenses, it's very pricey. There are more expensive luxury items that can bring your funeral tally up over ten thousand dollars. Imagine your family facing that mountain of expenses without the comfort of life insurance.
Reason #2: Ongoing Expenses
The daily bills may not be so overwhelming while you are alive and contributing to the family fund. Once a main bread-winning loved one passes, those funds are no longer coming in, yet the bills still pile up the same. Just because your income has been cut in half, does not mean your water bill or electric bills is cut in half. Some expenses will decrease mildly, but not as much as the loss of income.
Reason #3: Less Social Security
If you are lucky enough to be receiving social security for you and your spouse now, remember, that changes when one of you passes. The surviving spouse no longer receives both checks. Typically, it's the greater of one or the other, but not both. Some retirements will stop as well when the recipient passes. Something to keep in mind also when dealing with Social Security is that when a recipient passes, Social Security will request the last payment they sent out. Even if a recipient receives their check on the 3rd and passes the end of the month, they still retract their money. This can be a financial setback if you're not prepared.
Reason #4: Less Burden
For the surviving family, that life insurance policy can certainly lessen their financial burdens. With enough coverage, you can ensure the house, car, credit cards or other bills are paid off. This can mean many years of comfort for the family. Imagine your spouse left free of a house and car payment. How comforting would that be?
Reason #5: Education
Whether it's a spouse, child or grandchild seeking further education, you could provide that for them. Think of it as your farewell gift. You enable loved ones to go to school and better themselves, start a new life or make their current standings a little stronger.
Life insurance is not just a luxury anymore. With the financial market of the world being so shaky, you ensure your family's longevity and comfort by spending a few dollars a month now on a life insurance plan. Nobody knows what tomorrow will bring, but with life insurance, you can assure them there will be fewer financial worries.
Planning ahead of the future is very important. Make sure to protect yourself and your family from any potential financial disasters. But life insurance is not just about protection, it's about having peace of mind knowing no matter what happens, your children and spouse will get everything they deserve.
Tuesday, January 25, 2011
Tudung Qishra - Light Green
RM100 (including postage)
Memperkenalkan "Tudung Qishra", 1st in Malaysia. Pelbagai warna. Tudung ini sekali dgn blouse, jadi anda tidak perlu pening2 fikirkan nak matching warna tudung dgn baju. Anda boleh pakai tshirt tgn pendek, or even sleeveless shj! :-) - Mudah, ringkas, praktikal - Limited stock! Siapa cepat, dia dpt!
Lots of luv,
Tudung Qishra - Design/Brown
RM100 (including postage)
Memperkenalkan "Tudung Qishra", 1st in Malaysia. Pelbagai warna. Tudung ini sekali dgn blouse, jadi anda tidak perlu pening2 fikirkan nak matching warna tudung dgn baju. Anda boleh pakai tshirt tgn pendek, or even sleeveless shj! :-) - Mudah, ringkas, praktikal - Limited stock! Siapa cepat, dia dpt!
Lots of luv,
Tudung Qishra - Blue
RM100 (including postage)
Memperkenalkan "Tudung Qishra", 1st in Malaysia. Pelbagai warna. Tudung ini sekali dgn blouse, jadi anda tidak perlu pening2 fikirkan nak matching warna tudung dgn baju. Anda boleh pakai tshirt tgn pendek, or even sleeveless shj! :-) - Mudah, ringkas, praktikal - Limited stock! Siapa cepat, dia dpt!
Lots of luv,
Tudung Qishra - Pink
RM100 (including postage)
Memperkenalkan "Tudung Qishra", 1st in Malaysia. Pelbagai warna. Tudung ini sekali dgn blouse, jadi anda tidak perlu pening2 fikirkan nak matching warna tudung dgn baju. Anda boleh pakai tshirt tgn pendek, or even sleeveless shj! :-) - Mudah, ringkas, praktikal - Limited stock! Siapa cepat, dia dpt!
Lots of luv,
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