CashFlow Reality Workshop

Have you played the CashFlow Board Game the way we conduct it?

Are you still wondering how to bridge  your financial gaps in your real life?

Back by many begging requests, we will be conducting the CashFlow Reality Workshop on 01^st May 2012 (public holiday). Our Wealth Trainer and Money Coach have more than 18 years of real life financial experience and have conducted more than 50 CashFlow Reality workshops will simulate and inject practical & real life financial situations during the workshop to give you a better understanding how your different money behaviors, habits and attitudes are affecting your financial decisions.

We will show you financial applications secrets / wealthy strategies that you can link to your real life encounter and how you may apply these strategies to bring your wealth to a higher level.

Join us and discover yourself how much you have missed...

Event Details:
Time: 9:30am to 5:00pm
Venue: North Canal Road
(Buffet Lunch and Refreshments will be served)

Fee:   
S$12.00 per VIP Client
S$15.00 per Client
S$35.00 for Guest
S$180.00 for Public


This event is for selected group of people who wish to understand their money behavior, patterns, attitude towards money and to get richer or build multiplier stream of income within the next 7 years. Only 25 seats are available and are allocated on first come first basis.

For more details or to Register: www.JopezAcademy.com/cashflowreality

Closing date: 26^th April 2012.
(Register early to avoid disappointment)

How much do you care for your loved ones?

It’s been really a busy month with all the CNY preparation and lots of sales appointments. Thank God for His abundant blessings =) 

Came across this article published in the Straits Times – Strategy For Palliative Care. I thought it would be very timely to share this after my previous post. Numbers don’t lie.

Critical Illness is a coverage one must have. Statistics from MOH reveals the number of Singaporeans passing on with the common diseases is on a rising gradient.  Cancer topping the list, followed by Heart Disease, Pneumonia etc. 

Premium for critical illness coverage isn’t high at all. In fact, there are insurance policies in the market that offers limited payment term with whole life coverage. The younger you start the better it is for you. Not only is the premium cheaper when you start young, medical health condition is another factor; and I’d say the most important factor. Chances are high that no insurer would issue you a policy with failing health condition. Even if they were to do, likely there will be a loading or exclusion imposed.

Leaving off with a statement quoted from a client of mine; 

“Insurance is the only product in the world which you can’t buy when you need. But when you can, you won’t do so.”

It’s not always about YOU...... but rather about the ONES YOU LOVE

Enjoy reading and have a God blessed week =)

Are you adequately covered?

 “one can die but can’t afford to be sick”.  This is so true especially in a country like Singapore where the medical cost is heading north and advance technology is readily available.

Stress needs to be added on the importance of life insurance coverage that every individual should have. Coverage here refers to a payout in an event of Death, Total Permanent Disability (TPD) and Critical Illness (CI). There is always a misconception in many people that their insurance covers all 3 of the above.  However, may I urge you to check your coverage again and make sure that your coverage includes Critical Illness. Many plans come with coverage on Death and TPD, but Critical Illness is often not included. And that is the major coverage one should be looking out for. The cost of treatment in an event any of the 30 major illness strikes upon, would easily be a high 5 digit figure.  That has the potential to drag your whole family’s finance downhill. Personally, this is what happened to my late grandfather who died from nose cancer and the medical cost has laid a huge burden on the family.  Common illness woman find themselves battling are like breast cancer, and for guys – stroke or colon cancer.

Here’s a list of the standard 30 major illness across insurance companies:

ALZHEIMER’S DISEASE	LOSS OF SPEECH
APLASTIC ANAEMIA	MAJOR BURNS
BACTERIAL MENINGITIS	MAJOR CANCERS
BENIGN BRAIN TUMOUR	MAJOR ORGAN TRANSPLANTATION
BLINDNESS (LOSS OF SIGHT)	MOTOR NEURONE DISEASE
COMA	MULTIPLE SCLEROSIS
CORONARY ARTERY BY-PASS SURGERY	MUSCULAR DYSTROPHY
DEAFNESS (LOSS OF HEARING)	PARALYSIS (LOSS OF USE OF LIMBS)
ENCEPHALITIS	PARKINSON’S DISEASE
END STAGE LIVER DISEASE	POLIOMYELITIS
END STAGE LUNG DISEASE	KIDNEY FAILURE
FULMINANT HEPATITIS	STROKE
HEART ATTACK	SURGERY TO AORTA
HEART VALVE SURGERY	TERMINAL ILLNESS
HIV DUE TO BLOOD TRANSFUSION AND  OCCUPATIONALLY ACQUIRED HIV	ANGIOPLASTY & OTHER INVASIVE  TREATMENT FOR CORONARY ARTERY

Well even if you have your critical illness coverage done, does it covers early stage dread disease? Technology today has made detection of an illness possible at an early stage.  Hence moving along with market demand, in recent years, early stage dread disease policies are made available in the market. Read the article in the link below about Theresa who was diagnosed with ductal carcinoma in situ (DCIS) in her right breast which is stage zero, early stage breast cancer. The condition is considered non-invasive which does not fall into the category of critical illness. She was upset that her critical illness insurance policies did not pay out the claims. The air we breathe, the food we partake daily has exposed ourselves to the risk of illness.

 Love yourself and your family to get yourself insured today!

http://www.asiaone.com/Health/News/Story/A1Story20100831-234887.html

♥♥♥
special thanks to my peers, and those whom I just got to know you through your comments for supporting and reading my post. Hope this little financial blog of mine has helped you guys gain greater financial knowledge =) will continue blogging!♥♥♥

It’s 2 weeks to CNY!! So looking forward to time with family and friends. And my favourite BA GUA!! :):):):)

God Bless You!