1. Nói về bảo hiểm, có hai dạng sản phẩm chính: BH Nhân thọ và Phi Nhân thọ. BH Phi nhân thọ là các sản phẩm bảo hiểm tài sản, sức khỏe .v.v. thị trường này với Bảo Việt chiếm thị phần áp đảo so với những công ty còn lại.
Bảo hiểm nhân thọ thì ngược lại, với sự thống lĩnh thị trường của các công ty có vốn nước ngoài. Bảo Việt vẫn có một thị phần đáng kể nhưng vẫn thua Prudential – có mặt từ năm 1995 và chính thức lập công ty năm 1999. Nói về sự thành công thì có một sự thật là Prudential chỉ dẫn đầu tại Việt Nam, còn ở các quốc gia khác AIA lại nắm thị phần lớn hơn.
Các sp BH Phi nhân thọ thì hầu hết được chấp nhận rộng rãi, trong khi đó Nhân thọ lại vấp phải sự phản ứng của rất nhiều người dùng!

2. Vấn đề của bảo hiểm phi nhân thọ là hệ thống phân phối. Do luật kinh doanh bảo hiểm của VN quy định, các công ty phải bán bảo hiểm thông qua tư vấn viên, và tư vấn viên không phải là nhân viên trực tiếp của công ty. Do đó việc tuyển dụng, đào tạo và quản lí hệ thống tư vấn viên này là một việc rất khó khăn. Bảo hiểm nhân thọ là một loại sản phẩm tốt, nhưng chúng ta phải đồng ý rằng nó phức tạp và khó thuyết phục khách hàng nếu tư vấn viên không đủ trình độ. Do đó, các doanh nghiệp thường sử dụng chiêu thức thu hút, đào tạo thật nhiều tư vấn viên, mặc dù những tư vấn viên đó sẽ không bán được nhiều hợp đồng. Mấu chốt là ở chỗ thuyết phục TVV mua hợp đồng cho họ và người thân, sau đó tận dụng những mối quan hệ của TVV để hợp đồng và lôi kéo thêm nhiều TVV nữa.

Điều này dẫn đến thực trạng, đó là nhiều người khi mua bảo hiểm vì nể nang, chứ không phải vì nhận ra quyền lợi và thấu hiểu hợp đồng bảo hiểm. Nhiều khách hàng khi mua xong vài năm, thấy tiền thì cứ bỏ ra mà chẳng thấy lợi ích đâu, sốt ruột và cho rằng bị lừa đảo hoặc đơn phương chấm dứt hợp đồng. Mà hợp đồng bảo hiểm, cũng giống như nhiều hợp đồng kinh doanh khác nếu đơn phương chấm dứt, bạn sẽ là người chịu thiệt.

Thêm một vấn đề nữa là các công ty bảo hiểm không kiểm soát được việc TVV chạy theo lợi nhuận. Tồn tại những kẻ hở và quy định để TVV có thể khai thác và thu lợi bất chính. Chẳng hạn như khuyên khách hàng khai khống, sai thực tế để trục lợi bảo hiểm. Khi sự cố xảy ra, người chịu thiệt là khách hàng do Doanh nghiệp BH từ chối chi trả. Hay việc không giải thích những điểm bất lợi trong hợp đồng bảo hiểm cho KH nhằm thuyết phục KH ký hợp đồng nhanh chóng sẽ dẫn tới khách hàng cảm thấy bị lừa đảo, lợi dụng.

3. Bà con ở vùng sâu, vùng xa vẫn chưa có kiến thức, trình độ nhất định để hiểu về bảo hiểm. Ngay cả người dân ở các TP lớn vẫn còn chưa nhận thức được ý nghĩa của sản phẩm. do đó tồn tại một thực trạng đó là định kiến, sự bảo thủ của khách hàng với bảo hiểm. Từ đó nảy sinh ác cảm và sự phủ nhận vai trò của bảo hiểm

4. Bạn thích lấy Ngọc Trinh hay một cô gái tật nguyền nhưng tốt bụng làm vợ?

Thật ra vấn đề nào cũng có hai mặt, điều cần thiết là hiểu được bản chất vấn đề, những cái tốt và xấu và đưa ra lựa chọn của mình từ đó. Nói cho cùng, Bảo hiểm không phải là công cụ sinh lợi hiệu quả nhất. Bạn tham gia bảo hiểm không phải để đầu tư, mà là để phòng chống và chuyển giao rủi ro của mình cho doanh nghiệp bảo hiểm. Chắc chắn là bạn sẽ không lời nhiều bằng đầu tư địa ốc, tiền tệ, để trong ngân hàng trong điều kiện hoàn hảo. Tuy nhiên, bạn có nghĩ tới điều gì sẽ xảy ra nếu rủi ro đến với bạn? Liệu bạn có đủ thời gian để chuẩn bị trước khi rủi ro đến? Do đó, bạn nên đa dạng hóa các khoản đầu tư và bảo vệ của mình.

Bài tới, tui sẽ viết về nhìn nhận về các sản phẩm bảo hiểm nhân thọ chính hiện nay!

Pendidikan bagi anak-anak adalah tanggung jawab orang tuanya. Mereka adalah generasi penerus yang mencerminkan keberhasilan maupun kegagalan sebuah keluarga dalam mempersiapkan masa depan anak-anaknya.

Tanggung jawab orang tua untuk mendidik anak-anaknya adalah tanggung jawab dunia akhirat. bagaimana mereka akan bisa mendapatkan pendidikan yang layak, jika tidak dipersiapkan secara finansial sejak dini? Apalagi semakin tinggi tingkat pendidikan maka biaya semakin mahal. belum lagi jika mereka menginginkan anak-anak mereka sekolah di sekolah-sekolah pavorit, maka jangan ditanya berapa biaya yang harus mereka persiapkan. Untuk itu jalan keluarnya adalah mengikuti tabungan pendidikan dari lembaga-lembaga yang menyediakannya. Di antaranya ialah tabungan pendidikan Prusential.

Manfaat yang akan diperoleh:
Santunan uang gedung (SD,SMP,SMP,Kuliah)
Garansi setoran
Apabila orang tua mengalami sakit kritis/meninggal, maka tidak perlu menyetor lagi tiap bulannya. Sebagai gantinya PRUDENTIAL akan mengisikan tabungan sampai anak berusia 25 th)
Gratis perawatan untuk kesehatan anak:
fasilitas Rawat inap, ICU, Tindakan operasi
Investasi dengan Bunga Tinggi
Santunan meninggal,…dan aneka manfaat lainnya
Kemudahan-kemudahan:
Bebas menentukan besar dana tabungan dan lama menabung
Bebas menentukan periode menabung (bulanan, triwulan, semester, tahunan)
Bebas menambah dan menarik dana
Bebas switching dana investasi
Bebas dan Mudah dalam penyetoran (Tunai, ATM, Kartu Kredit, Auto Debet) melalui Bank BCA, BII, Permata, LIPPO, ABN Amro
Transparan dalam penyampaian saldo (rekening koran bulanan)

Selagi masih sehat,…
Menabung dari sekarang untuk masa depan putra-putri Anda.

Untuk Informasi Lebih Lanjut, dapat menghubungi

Limiko [agent prudential MRT SB11]

081 233 733 987

031.71370414

Our newshounds have been out and about to bring you the latest news, the best stories and of course, a superb music track (we try and get our priorities right) Click HERE for the latest issue of The Cabo Bulletin

Come and see us at the Show and Go Car Show for Charity on Saturday! We will be there to give some great information about the Real Estate Market. We will also be having a raffle, so stop by and see what you can win! Chip Foose will be there and some Awesome cars! So head to Downtown Riverside this Friday, Saturday and Sunday. Look forward to see you there!!!

This info is widely available for everyone to see. As a professional I find it very interesting, indeed. However, travelling has another aspect which is a bit more personal in nature and here are some thoughts which might probably also have run or will run through your head when go to this great city. The first thing you need to know about London is that it is heavily populated. “Congestion ahead, please find alternative route” remains the weirdest sign I have ever seen by far. It greeted me when I was there for the first time in 2008. Since then I have been to London on a couple of occasions, both for business and pleasure. This last time (March 2013) was for the later. Or so I thought. Another thing I can tell you about the city as a whole is that it looks really distinguished with the skyline in the background (particularly with the Shard and the Gherkin overlooking on both sites of the Themes) but it also feels a bit impersonal.

The sheer number of people commuting every second using the veins of the city, also known as “The Tube”, is just staggering. This mass transportation service is one of the oldest ever to be built and given the propensity of the British people to stick to tradition, it seems it has not seen a lot of upgrades through the years. “Mind the gap” phrase is all too well-known to the foreigners, but I would also advise future travelers who have not yet been to the city to mind their step as well, before the train arrives, as the space on the platforms may be very narrow. In rush hour, especially, a lot of the major stations overcrowd very fast. On the positive side, my impression is that the Tube is very reliable and most of the lines run within a 2-4 min interval, so don’t worry about missing a train.

If you find yourself in London for pleasure, there are certainly plenty of sights to see, and all of them you can find easily in any guide book or website. Unfortunately, when I was there the cold was a bit too much for my liking and although it was the end of March it was snowing! So make sure to double and triple check the weather before you leave. Most of the sights run along the river, however there are a few  which are scattered around. Therefore if you are on a tight schedule and only have a weekend or so to look around I would recommend you begin your journey from Westminster metro station and make your way down the river, from there towards Tower Bridge. I also recommend the British Museum as a really interesting place to visit, especially if you enjoy worldly artifacts from the ages. And when I say worldly I mean literally from every corner of the Earth! (Small hint: The Rosetta Stone )If you are more of an art person the preferable choice would be the National Gallery on Trafalgar Square. Many of the famous artists such as Van Gogh, Picasso, Monet and Degas will be there on display.

Dining can be tricky. Depending if you are on a company dime or eating out of your own pocket the number of choices will vary but will still be pretty high. Either way I would recommend starting your day with the famous traditional English breakfast, which believe or not, will keep you sated right until dinner. Beans, sausages, bacon, eggs, fried mushrooms and grilled tomatoes make for one hell of a meal. When they said that breakfast is the most important meal of the day, they were right. And the British certainly took that adage to the letter. And don’t forget the tea! The tea is very important, not only because it is England but also because the quality and taste there is indeed exquisite!

As far as restaurants go, I have always found it difficult with menus in the UK as dishes often have some weird (to me) names, which I have hard time deciphering. Maybe because some of them are actually in French (sorry, but it is true). Beef stake with mushroom sauce or potato mash, however, I think will be your safe bet in most places. A wonderful restaurant for dinner is The Wolseley (www.thewolseley.com). It is very much in the center, close to Buckingham Palace. It certainly looks posh, but the prices on the menu are not all that high, considering the location, service and quality of the food. Remember to make a reservation online!

I hope this little intro gave you a small taste of what to expect when you arrive in London. So get ready, make the rest of arrangements for the trip and get yourself excited cause this is London we are talking about! So it will surely be awesome!

Have fun and good luck!

K

So excited to be recapping such a fun event that I had the pleasure of co-hosting last week! Boston’s LOFT location has just undergone a huge renovation, making it just about the prettiest store in town. On Thursday, Holly and Alana & Amy of Blog Better Boston and I welcomed shoppers to see the beautiful newly-completed shop in the Pru. Couldn’t make it? Take a glimpse around to see it for yourself…!

Tons of fun printed shorts right now! I’m loving these and these especially.

Sweet bow sandals

Nautical Striped Cotton Tank Dress

That striped maxi was a favorite of the night– seemed like half of the ladies in the store were walking out with it! Available here.

With the lovely Elissa from Style-Wire who works at LOFT!

What we’re wearing:
[ Emily:: Textured 3/4 Sleeve Cotton Sweater, Aqua Spritz Print Stretch Cotton Shorts ]
[ Elissa:: Paisley Print Short Sleeve Shift Dress ]
[ Holly: Striped Linen Tee, similar Zig Zag Mosaic Skirt ]
[ Alana:: Scarf Print Boatneck Dress ]

Need more incentive to check out the store, or make some purchases online? Forty percent off EVERYTHING right now (what?!) with code NOW40 at checkout!

What do you all think of the new store + new arrivals? For more snippets, check out Holly’s recap and Amy’s here!

Full disclosure:: My outfit for the night was provided as a gift by Ann Taylor. All opinions expressed, both online and in person during said event, are my own.

Would you like to receive our weekly CFO Moves UK directly in your email? Click the SIGN ME UP! button on the right.

Should you have any CFO Moves to report, please email us.

+ + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +

Prudential plc announced that Jackie Hunt joins the company as Chief Executive, Prudential UK and Europe and to the Board of Prudential plc. Jackie joins Prudential from Standard Life plc where she was Chief Financial Officer and prior to joining Standard Life in 2009, held a number of senior leadership roles.

Standard Life plc announced that Jackie Hunt has resigned as Chief Financial Officer and as a Board director.  She will take up the position of CEO, Prudential UK & Europe.

Zurich appointed Neil Freshwater as chief financial officer for its general insurance and shared services business in the UK. Freshwater joins from Catlin Group where he was the UK CFO, having previously worked at Aviva, Swiss Re and Laurentian Life.

Omnifone announced the appointment of David Finch as chief financial officer. David was part of the management team that demerged O2 from British Telecom in 2001. David was also instrumental in managing the sale of O2 to Telefónica in 2006. David joins Omnifone following a period of retirement which he embarked on in 2007 after the completion of the acquisition. David replaces the previous chief financial officer, Matthew Bagley. 

French Connection Group PLC announced that Roy Naismith has decided to step down from the Board of French Connection and ceased to serve as Group Finance Director.

InfraStrata plc announced that Craig Gouws has tendered his resignation as CFO of the Company. Mr Gouws, who joined the Board in July 2007, is planning on moving overseas in the Autumn at the end of his notice period.

Ophir Energy PLC announced that Lisa Mitchell, Chief Financial Officer, has been appointed as Executive Director to the Board. Lisa was appointed CFO in January 2012 and started with Ophir as Group Financial Controller. Lisa’s previous roles included CFO at Pan Pacific Petroleum NL and CFO at GCM Resources plc. Lisa began her career with Mobil Oil Australia.

What’s in this week’s issue of the Bulletin?

There’s news of a prudential agent injured at Boston. A great article on a new, adobe built bodega created out of sustainable products and a Jimi Hendrix video! Of course, there is news, views, listings and some great price changes too.

CLICK HERE

At Jonathan H. Kim, D.D.S., Inc. – Top Best *8* San Jose Dentists Specialists Centers, we understand that tooth pain and oral injuries can happen at any time. This is why we offer emergency dentistry services to address dental issues that simply cannot wait until regularly scheduled office hours. We are proud to go the extra mile for our patients and when you call us unexpectedly needing our help, you can rest assured that you won’t be overcharged or ignored.

There are many reasons to seek emergency dental care. Tooth damage – broken tooth, broken dentures, lost fillings or crowns – should be taken care of immediately. Sometimes, the pain from existing problems such as abscesses, swollen gums or infected mouth cuts can cause severe pain and need to be taken care of immediately as well.

If you are in need of emergency dental care, please do not hesitate to contact us, 24 hours a day, seven days a week. We are open 7 days, including holidays from 9 A.M. to 10 P.M. (weekdays), 9 A.M. to 6P.M. (weekends). We’ll have you smiling again in no time!

Jonathan H. Kim, D.D.S., Inc. – Top Best *8* San Jose Dentists Specialists Centers
1725 Berryessa Rd. Suite B, San Jose Dentists Specialists Centers
408-259-2900 / 408-TOP-BEST
http://www.DrJKim.com

Học sinh huyện Đông Anh nhận học bổng Prudential ngày 21-4.

Đây là hoạt động hướng tới cộng đồng nhân dịp công ty Prudential tổ chức chương trình “Tri ân khách hàng” tại Hà Nội. Các học sinh được nhận học bổng lần này đều có hoàn cảnh khó khăn, nhiều em trong số đó bị khuyết tật hoặc mồ côi cha mẹ. Học bổng sẽ góp phần khích lệ động viên các em tiếp tục vượt khó để trở thành những học sinh giỏi, ngoan.

Từ khoá: tri ân khách hàng bảo hiểm nhân thọ prudential học bổng công ty bảo hiểm công ty bảo hiểm nhân thọ prudential học sinh nghèo học sinh bảo hiểm nhân thọ công ty bảo hiểm nhân thọ prudential

Our investigators found RN  __________ on the Internet and discovered she is an outsourced consultant for “Professional Disability Associates” and is licensed in Maine. Although Prudential’s address is in Philadelphia, Prudential does have a facility in Maine. It now appears my client’s claim is physically managed in Maine and the totality of medical review is outsourced to questionable sources.

In addition, a request has been made by Prudential to have the IME report and raw data sent to _______, and ________, two infamous claim killers who worked for Unum as Medical Directors. In fact, I’m in possession of a “Fibromyalgia White Paper” co-authored by ______ while he was still employed by Unum. Dr. ______ believes FMS patients should be told to “get up on the treadmill” and go back to work.

It certainly is a small world and no wonder both Unum and Prudential are considered #1 and #2 on the worst disability insurer list. I’m surprised that Prudential is outsourcing medical reviews to individuals who are probably charging the highest of fees.

DCS, Inc. intends to challenge Prudential’s choice of _________ and ________as “independent” reviewers of our client’s neuropsyche data since either one or both of these PhDs will likely write adverse reports. In addition, we will be filing a complaint on RN’s _______ nursing board in ME since she documented a report that is inconsistent with the mental records provided to Prudential. As a result, benefits remain unpaid and my client has been harmed.

Somewhere along the line, medical reviewers must be accountable for the accuracy of their medical and psyche reviews which should be consistent with patient notes and medical records provided. Sometimes it seems as though these reviewers aren’t even looking at the same medical records I just read.

Prudential and Unum use the same corrupt medical resources because they know reports rendered by these RNs and mental health providers work to produce more terminations of claims. If I’m not mistaken one of these neuropsychologists caused harm to our friends in the UK as well.

Anyone who would like to know the names of the RN and PhDs mentioned here can send me a private email and I will provide you with the names. I will publish my letter to the Nursing Board as soon as I have it written.

DCS, Inc. clients can login to Linda’s Buzz and read the unredacted post.

ADDENDUM

And the world gets even smaller. Upon further investigation I discovered that Prudential’s Vice President of Claims is Cathy Liston, an ex-VP of Unum at the time of the merger. Cathy Liston was actually fired by the good ol’boys from Chattanooga. She sued Unum for wrongful termination and lost.

As part of the Central Benefits Administration I actually worked for Cathy Liston who once told her Managers, “Go down there and tell them to deny more claims!” Apparently, VP Liston was feeling the “heat” to roll in target profitability.

Prudential in Portland is actually top-loaded with ex-Unum Medical Directors and VPs. No wonder the company has such a bad reputation.

What screams you are not important more than a blimp? (Metlife “Snoopy Two,” Photo credit: Wikipedia))

By Kathleen Defever

Here’s a dynamic shift – in Washington, insurers are desperately arguing they are NOT IMPORTANT.

What forces of heaven and earth could cause massive insurance corporations to shy away from the spotlight? On a regular day in Washington, there are numerous (and persistent) insurance industry lobbyists actively vying for the federal government’s attention. What caused such a dramatic about-face?

Washington is gearing up to regulate insurers who are classified as “systematically important”. An insurer will be labeled systematically important if it plays a role in the smooth running of the financial industry.

After the near failure of mega-insurer AIG during the banking crisis, the federal government turned a wary eye toward the insurance industry. The insurance industry, like the pre-crisis banking industry, is largely unregulated by the federal government. Insurance has been traditionally regulated by the states. Depending upon which state a consumer lives in, this can either be a very good thing or a very bad thing. (I could elaborate on this for hours, but that’s a topic for another blog post…)

Naturally, after the disastrous recession brought upon us by the banking industry, and the closely interwoven relationship the insurance industry shares with banking and finance, legislators are a little nervous. No one wants to be held responsible for another massive crash of the economy, especially when it could be easily foreseen and prevented.

Once legislators determine which insurers are “systematically important,” they will subject them to tighter federal and international regulations, a la the current regime applied to the banking industry. Insurers are balking at this possibility, and frantically arguing that they are so different from banks that it doesn’t make sense to apply any extra federal regulation to them, even going so far as to claim they can only be categorized as victims of the banking crisis, just like the rest of us. Naturally, the reality is far more complex.

The insurers likely to be more heavily regulated are AIG, MetLife, and Prudential.

Thanks to Politico: http://politi.co/XShEYx

Related articles

• Shields and Holvey take on the insurance industry (blueoregon.com)

I hope this gives you a little insight in what to consider when choosing an agent that is right for you.

The Cabo Bulletin, a little gem of a campaigning newsletter; This week we focus on wheelchair access, Mozart also gets a mention: Why? Click HERE  to find out.

Untuk minda yang tenang

Setiap yang hidup pasti akan mati

Itu fakta.

Bapa yang bertanggungjawab dan sentiasa ingat mati (elok sebenarnya kalau sentiasa ingat mati) Dan tentu risau kelangsungan hidup warisnya.

Dengan memiliki sijil takaful, sudah tentu menjamin keadaan selepas ketiadaannya.

“To be uninsured is the greatest gamble you can take. And it is a particularly tragic one, for if you lose, it is not you but your loved ones”

Prestij dan status

Sesetengah orang (terutamanya kelas menengah bawah dan rendah) berpendapat bahawa takaful hanyalah untuk orang kaya (walaupun tanggapan ini salah).

Jadi, jika anda memiliki takaful, bukankah darjat anda lebih daripada mereka yang tidak mempunyainya?

Perbelanjaan menguruskan jenazah

Berapakah perbelanjaan untuk menguruskan jenazah? Cuba anda congak

1. Kain kapan,
2. Keranda
3. Van jenazah
4. Upah orang yang mandikan kita
5. Upah tukang gali kubur
6. Belanja kenduri arwah

Agak-agak berapa? Sila dapatkan sebut harga di masjid atau surau yang berdekatan.

Dan jangan lupa, bila mati hutang-hutang kita juga termasuk dalam perbelanjaan menguruskan jenazah. Kalau tak roh tergantung.

Apa kaitan dengan takaful?

Senang je. Kalau mati, dapat duit. Jadi duit itulah yang diberikan untuk waris untuk menguruskan perkara-perkara di atas.

I would therefore have to assume that AIG and Prudential will either be named SIFIs together or excluded together. MetLife is now probably thinking that AIG and Prudential will both get named SIFIs and it’s not far away. It’s unlikely any president would dare let AIG off the hook after that massive bailout. However MetLife is likely to get named for the same reason mentioned previously. The US Government won’t put AIG at a competitive disadvantage to a major rival competing in the life insurance business before selling off its stake in AIG, and that stage is huge. The lobbying efforts MetLife’s CEO Steven Kandarian is now undertaking looks like a very prudent response to this environment facing the company.

Sebagai agen asuransi yang professional, tentunya saya berusaha sebaik mungkin memberikan pelayanan terbaik terhadap para nasabah saya. dalam hal pengajuan proses klaim, akan sangat baik jika nasabah mengetahui beberapa hal berikut :

1. Nasabah memiliki produk yang akan diklaim

2. Polis dalam keadaan inforce/berlaku/aktif

3. Memperhatikan masa tunggu (waiting period). Untuk beberapa produk, klaim dapat diproses setelah melewati masa tunggu produk tersebut.

4. Adakah pengecualian dalam hal ini? (Exclusion). Untuk pengajuan klaim, akan disesuaikan dengan polis nasabah, jika ada pengecualian maka proses akan disesuaikan dengan pengecualian dalam polis tersebut.

5. Non Disclosure. Proses klaim akan melihat indikasi non disclosure/segala sesuatu yang tidak diungkapkan pada saat pengajuan asuransi timbul jika terjadi kecurigaan.

6. Melihat kriteria polis yang akan diklaim : Setiap pengajuan klaim akan diproses dengan disesuaikan kriteria produk dalam polis nasabah.

Beberapa poin di atas adalah ulasan saya mengenai berbagai syarat yang harus Anda miliki ketika Anda ingin mengajukan klaim. Untuk saran, info, kritik, dan komentar, atau pertanyaan terkait langsung dengan topik Apa saja syarat yang harus Anda miliki ketika klaim?, Anda dapat bertanya langsung kepada saya dengan memberikan komentar di bawah, atau Anda juga bisa menghubungi saya di 0815 744 71714 atau sms ke 0838 98 126 188 (proses dijawab secepatnya). Gratis biaya konsultasi perencanaan keuangan Anda dan jasa pembuatan ilustrasi tabungan keluarga Anda.

Terima kasih.

Handini Suwarno, Agen Asuransi Keluarga Anda

Percayakan Asuransi Jiwa dan Perencanaan keuangan keluarga Anda dengan orang yang tepat.

Ok, mungkin ianya entri ulangan. Tetapi saya nak memberi ‘refreshment‘ semula.

Ramai daripada kita yang terbiasa dengan mengambil pinjaman amanah saham. Ala…yang ASB tu…

Ok. Hari ni saya nak bagi idea, bagaimana Prudential BSN Takaful boleh memberikan pulangan yang tidak kurang hebatnya 

Katakanlah anda mencarum RM450 sebulan dengan Prudential BSN Takaful. Mungkin ramai orang akan berkata membazir. Tapi tunggu dulu, lihat tawaran saya

Lelaki umur 30 tahun, pekerjaan kelas 2 dan merokok

Pampasan kematian :RM70,000

Pampasan penyakit kritikal: RM70,000

Pampasan kemalangan: RM70,000

Kemudahan wad berharga: RM150/malam. Auto upgrade setiap 5 tahun tanpa ada penambahan premium sehingga umur 80 tahun.

Dana untuk membayar bil rawatan: RM1,000,000.00

Tabungan yang boleh dikeluarkan pada tahun ke 20: RM119,000.00

Point yang terakhir menarik bukan? perlu diingat, simpanan itu boleh dikeluarkan bila-bila masa. Tak semestinya menunggu pada tahun ke 20. Bahkan pada tahun ke-10 anda menyimpan, anda sudahpun mempunyai tabungan berjumlah RM41,000.

Kalau sesiapa yang berminat, boleh hubungi saya

This sculpture is called “Quest Eternal” and was created and installed by the Boston sculptor Donald De Lue in 1967. It is located at the North Terrace of the Prudential Center, next to its Boylston Street entrance.

And research published last week found women retiring this year will receive the lowest annual pension income since 2008, and receive £6,500 less than men, a report suggests.

The research found that the disparity in men as women’s annual income post retirement has actually increased by £750 since 2012.

The annual survey conducted by Prudential revealed average income for women is 64% that of men’s. It also found that women’s annual income after retirement is on average less than two-thirds (64 per cent) that of men.

This isn’t all. The situation is serious because following a high point in 2009 women’s pensions has entered a steady decline of £500 each year. Men meanwhile have enjoyed an increase this year with an increase of their income of £250 (on average).

It is well documented that the economic downturn has had a significant impact on female earning capability and this has led more women to take on part-time roles in order to still be able to contribute; but the obvious consequence has meant women have not been able to contribute as much as they would like towards their pension pot. Essentially women put family needs before their own.

The introduction of auto enrolment, where employers are obliged to enter all employees into a pension scheme may help alleviate the problem a little. However, in reality, and as a spokesperson for Prudential pointed out when interviewed by the Times newspaper on this subject last week, the gulf in retirement incomes has grown and it’s continuing to do so. The spokesperson predicted the gap would not disappear “for years to come”.

The Government promises the controversial single tier pension scheme will benefit women, but the above indicates significant and very worrying problems in the short to medium term and possibly beyond that.

And when the next crisis happens it will be a non-partisan financial force majeure.

Affirmations have been coming out more recently by those fed up with the dealings of Wall Street’s greed and fear operations. This post by John Meyers in Personal Liberty  rings all too true.     

Confessions Of An Ex-Stockbroker by John Meyers

The stock market is on a cliff. When it falls, it will not only erase the riches on Wall Street but your hard-earned savings. It is called deflation, and it will impact all of us.

I have a pretty good idea about stock market crashes because I have experienced four of them. The first was in 1987. The second was in 1989. The third was in 2001, and the last was in 2008. The monster crash for stocks is still to come.

The fundamentals both for the banking system and the economy and our dysfunctional Federal government will not allow current record stock prices to persist.

As major stock indexes reach all-time highs, there is the disjoint between the value of equity prices and the economic realities that will eventually have to support prices.

We live in a time Oscar Wilde described more than a century ago: “Nowadays people know the price of everything and the value of nothing.”

Everyone seems to know the price of the Dow Jones industrial average. Friends and family ask me how much higher the stock market will go. Few ask if it will go lower, while many offer their own stock tip.

It’s no different from 1929 when legendary investment guru Bernard Baruch said:

“When beggars and shoeshine boys, barbers and beauticians can tell you how to get rich, it is time to remind yourself that there is no more dangerous illusion than the belief that one can get something for nothing.”

When I suggest that the market is heading lower, people wave me off.

What most people seem to understand is that Big Board stocks keep setting records. Both the Dow and the broader-based Standard & Poor’s 500 Index are at all-time highs.

The S&P has gained 10 percent in three months. The Dow is up more than 11 percent. Yet the U.S. unemployment rate is close to 8 percent. America lost 8.9 million jobs in four years and has gained back only half of them.

The economic recovery exists only on paper because of massive cash injections by the Federal Reserve.

Only trillions of dollars’ worth of freshly printed money has prevented the United States from falling into an economic abyss.

But printing new money does not equate to creating new wealth. All the Fed has done is provided a cancer patient with copious amounts of morphine. It is a feel-no-pain regiment for the markets. But the cancer is still there.

Two things dictate investment behavior: greed and fear. For the past year, greed has consumed any fears.

I Wished I Had Sold Used Cars

In the spring of 1996, I was in an office on the eighth floor of the Washington Mutual Building in Spokane, Wash.

I was working for one of the largest brokerage companies in the country.

Each day on my desk there were Securities and Exchange Commission compliance books and stacks of practice exams to help me pass a registered investment adviser exam. Once I passed it, I could dispense investment advice to all.

To get the job, I passed the aptitude test by saying that 2 plus 2 equaled 4. I believe that the brokers who were fast-tracked said 2 plus 2 equaled 16.

Over the next six months, I studied securities laws that dated back to the 1930s. I also spent time in the lunchroom learning from seasoned brokers about ways to get around these laws.

Below sums up my experience as a stockbroker in training:

Question: How many stock brokers does it take to screw in a light bulb?

Correct answer: Two. One to take out the bulb and drop it, another to try to sell it before it crashes (fully knowing that it’s already burned out).

The advanced test for certified investment advisers was this:

Question: How many investment brokers does it take to screw in a light bulb?

Correct answer: Good God! It burned out! Sell every share of GE!

I remember the 6 a.m. Monday meetings in the conference room.

It was there that we received a call from the company’s grand poobah, Ralph Acampora. His name was synonymous with the dot-com bubble.

Acampora’s biography states: “He was an industry leader in technical analysis and a regular on popular weekly TV shows such as Wall Street Week with Louis Rukeyser. His opinions about the market were reported by major national newspapers.” [DC Ed. Click here for a sample of Wall Street Week video with Louis Rukeyser After the Crash - Part 1 - Wall Street Week Oct. 23, 1987]

I had been writing about investments for well more than a decade, so I knew about bullish Acampora and his never-ending expectations for higher stock prices.

The world said Acampora was a genius, which made it all the harder for me to understand his Monday morning call to arms. I suspected Acampora was not really trying to sell value to Prudential customers. But every Monday the sales team was given its orders.

One time, I interrupted the post conference meeting by suggesting resource stock. A group of 15 brokers looked at me like I was a heretic.

After several Mondays of listening to Acampora clairvoyance in picking stock market winners, I went to my manager.

I asked him why Acampora was telling us to pitch such stocks. The manager explained to me that Prudential had an inventory of stocks and that they had to be sold every week.

It hit me. My job was never to give quality investment advice. I was being trained to generate revenue for Prudential. I was a used car salesman. Even worse, I wasn’t even providing anything as useful as a used car.

I passed my exams for Prudential and the SEC. Once I did that, I was registered to attend a two-week sales boot camp in California. If I survived that, then I could push any stock, bond or mutual fund I wanted.

I decided to quit. That was the only time in my 55 years that quitting felt right.

In 2013, nothing has changed. Wall Street is richer than ever, and big analysts have more lives than wrinkled movie stars. They can make the same mistakes over and get richer for it. [Read more by John Meyers on Personal Liberty]

Bestselling author Nassim Taleb addresses this absurdity: “People who were driving a school bus blindfolded (and crashed it) should never be given a new school bus.”

Action to take: Sell all Big Board stocks immediately. Move money into physical gold, silver, Treasury bills (despite their low returns) and hold physical cash in a safe dry place. Speculators believe the only game in town is blue chip stocks. Take it from an old ex-stockbroker.

Yours in good times and bad,

–John Myers
Editor, Myers Energy & Gold Report

Thank you John Meyers and Personal Liberty for allowing this re-post.

Remember: “First come, first served”
Like the Billionaires dumping stocks – get it out of the banks now and invest in something tangible. Plant a garden, put solar on your roof – you may not want to leave those 401ks and mutual funds just sitting there because they may not be there when you need them most.

CLICK HERE for International Living. Learn how to retire overseas.

I have always WANTED to love the rugged type of hiking you see on commercials, but I don’t.  The outdoors, heat, bugs, and no potty all just get in my way of enjoying a good hike.  Stinks when you can’t have it all, doesn’t it?

I am not a North Face junkie who has every piece of hiking gear either.  You know what I have?  A backpack I got from a Prudential conference, a fancy Camelbak water bottle from Lincoln Benefit Life and a pair of old Asics that I don’t use in the gym anymore.  That’s MY version of “hiking”.  [audience laughs...]

When I was kid I used to walk all over the woods behind our house and I saw so many amazing things that I’ve gotten away from as an adult.  I remember sitting very quietly and watching just how long a turtle takes to cross a creek – and man, does it take a LONG time.  It made me appreciate later on when I found them crossing a road, as they walk from pond-to-pond without being eaten by some animal or hit by a car.  Slow and steady can win the race, but stopping my car to move them to the other side of the road may improve their lifespan a bit too!

Seeing how birds flit from tree-to-tree or how dew drops look on leaves and flowers is indescribably beautiful.  Hiking has a way of taking you away from all the busy-ness of life and calming your inner crazy.  It’s a shame I’ve gotten away from it and am going to make a real effort this year to embrace this once wonderful pastime.

Find something you like to do outdoors – and take time to understand why you enjoy it.  Make it meaningful and purposeful to your life.  It might be the only way you can find truths in your life is to see something through the eyes of nature.

#BionicBlessings to All,

Sheryl Brown