ASK YOURSELF THESE 4 QUESTIONS

Question 1:

Do I have at least $30,000 right now
to avert a financial catastrophe if I am
stricken with a dread disease e.g. cancer
(It can happen when people least expect it)

[ ] No [ ] Yes

Question 2:

Do I have an insurance plan to pay for
the hospital bill?

[ ] No [ ] Yes: Incomedshield / Other Shield


Question 3:

Do I have a steady income if I am unable to work
because of the dread illness or a bad accident?

[ ] No [ ] Yes

Question 4:

Will I have the money at the time when
I stop working (retire) to last your life time?

[ ] No [ ] Yes



If your answers are NO, then please do not proscrinate any further, drop me an email or call me and I shall see how best I can be of assistance to you.

Do You Know The Consequences of Drink Driving

Festive seasons is around the corner, if you drink DON'T drive and if you drive DON'T drink. The consequences are beyond your imagination. The following photos show the result of drink driving.






Happy time with friends


The car driven by a 17 year old male student was a total wreck indeed!


So this is the consequence.

Receiving agonising painful treatment

So folks exercise care. When you drink don't drive!

As requested by my friend, these are just some of the photos that I received to create an awareness of the danger of drink driving.

The next time when you drink think of your loved ones around you!!

Merry X'mas and a Happy & Prosperous 2008.

Do You Want To Know The "Hidden Cause" of Back Pain...

Here is what I learn about Back Pain.

There's a hidden cause of back pain... it's something very few medical or healthcare professionals are even aware of... If they were, they wouldn't be treating conditions.


Instead, they'd be identifying and addressing what brought about the condition in the first place.


For example, if you were diagnosed with a herniated disc, instead of just treating the symptoms, they should be finding out what caused the disc to herniate to begin with.


Back pain does not happen overnight...


While the pain may appear suddenly, the fact is the problem has been developing for months or more likely, years.


The reason you have back pain is because your body and spine have been pulled out of their normal position and into what we call dysfunctions.


If you are like most people, you move around and live your life without ever being aware that you are forcing your body to work with these dysfunctions, and sooner or later your body breaks down.


Back pain can be treated effectively without medication. Click here to grap a free copy of the Back Pain Guide


So be careful the next time you do exercise, carry heavy stuff etc.

Death Begins In Our Colon !

According to the British Medical Association - "Death begins in the colon."

The colon is a dark, damp, warm place, ideal for breeding germs and bacteria. It has been said the traces of our very first meal on earth can still he found in our colon!!

I am amazed to learn that rotting food and decaying fecal matter can be found in the colon that is at least five years old.

It lodges in the pockets of the colon and just rots. Wrong diet, stress and constipation just make matters worse.

I also read about a famous vegetarian who said that he was in perfect shape, and needed no colon cleanser. After much arguing he agreed to do some cleansing of his colon and within five days he said he couldn't believe what he had been holding onto all these years.

We actually turn our sewage system into a cesspool, then wonder why we don't feel well.

If we don't get enough exercise or drink enough pure water, constipation can result. According to what I learn 'Fiber is our best guarantee of cleansing the colon'.

So folks believe it or not, it's your colon - watch out your diets and do your colon a favour. Take good care before it is too late.

Medical Expenses Insurance Cover For Foreign Worker Working In Singapore

Here is what I learned from the The Ministry of Manpower’s website.

The Ministry will require employers to purchase and maintain insurance for the medical expenses of foreign workers from 1 January 2008.

The requirement will apply to:

• All new and existing foreign workers on Work Permit or S Pass from 1 January 2008.
• All new foreign domestic workers, and existing foreign domestic
workers when employers renew their Work Permits, from 1 January 2008.

The medical insurance coverage must be at least $5,000 a year for each Foreign Worker's [FWs] inpatient care and day surgery. The requirement will be a Condition of Work Permits/S Pass.

The Ministry of Health (MOH) will withdraw hospital subsidies for all foreigners, including FWs, from 1 January 2008. The medical insurance requirement will help employers manage the potentially high medical bills of their FWs.

The onus is on the employers i.e. employers are required to purchase medical insurance for their FWs and should not pass on such cost to their FWs.

Any employer who contravenes the Condition of Work Permits/S Pass to purchase medical insurance shall be guilty of an offence and shall be liable on conviction to a fine not exceeding $5,000 or to imprisonment for a term not exceeding six months or to both.

So do ensure that your foreign workers' medical expenses insurance covers are taken care of come January 2008.

You can click here to find out more about the medical expenses insurance cover for foreign workers.

What's Your Most Valuable Asset?

If someone asked you "What's your most valuable asset?" You probably say it's your home. But think of it, unless you are retired or about to retire, you're almost certainly wrong.

The biggest asset that you have is your ability to earn an income. What then is your future earning capacity ?

It is essential that you insure your single largest asset i.e. your ability to generate an income.

Some studies suggest that there is a 33% chance that you will fall sick or disabled for 6 months or longer prior to say age 65.

Indeed, the areas of greatest concern are example - heart attacks, cancer, strokes, kidney failures, organ transplants etc.

The other thing to consider probably is "how can you and your family survive if your income stops for 6 months or longer? Do you have any contingency financial plan put in place right now?

When you want to pick up an income protection insurance policy bear in mind these:-

* type of policy
* definition of what is partial disability or permanent total disability
* the premium

Do you know the liver in your body has no nerve sensual?

It saddens me to see an active, cheerful and pleasant lady suffering from advanced stage of liver cancer. That lady is a relative of mine. Most of us take the function of our very own LIVER for granted.

The liver is the largest gland and solid organ in the body, weighing some 1.2 kgs to 1.5 kgs. It is reddish brown in color and is divided into four lobes of unequal size and shape. The liver lies on the right side of the abdominal cavity beneath the diaphragm. It holds approximately 13% (about one pint or 0.57 litres) of the total blood supply at any given moment, works 24 hours a day and it has over 500 estimated functions.

It has been the nature's most wonderful gift to everyone's health for over hundreds of years as noted by the ancient textbooks of wisdom. I read somewhere and learned that Liver is equivalent to a General in an army. So, if the General is down, the entire army's operation will be adversely affected as well.



A brief summary of the liver’s main functions as follows:

• controlling levels of amino acids, fat and glucose in the blood
• breaking down food and turning it into energy
• producing bile which is important in digestion
• clearing the blood of particles
• fighting infections in the body
• breaking down and neutralising drugs and toxins
• storing vitamins, iron and other essential chemicals
• regulating numerous hormones including sex hormones


Liver disease is indeed a Silent Killer as it has no nerve sensual. The liver can survive 80% of damage without painful feelings. Always it is too late to realise if you have liver failure.

A damaged liver will affect other main organs of the body and can lead to diseases like diabetes, constipation, obesity, skin problems, etc.

That I know of some of the symptons of liver diseases may include :-

- moody
- loss of libido
- yellowish eyes
- brownish urine
- mouth odour
- loss of apptetite
- lower energy level
- rashes/itchiness
- poor sleep pattern
- dark red palms or feet


According to the WHO's report that I read :-

1/3 of the world population of 2 billions people have suffered from liver diseases

Every year about 1,000,000 die of liver diseases
Every minute 2 die of liver diseases

80% of the Liver Cancer is related to Hepatitis B. The chances of Hepatitis B & C carrier suffers from Liver cancer are 200 times more than ordinary people

Age : 35 - 65 years old
Male : Female = 3:1

Liver needs appropriate nutritions to help to protect and strengthen its functions and also help to control cancer particularly liver cancer. If you want to know how this health supplement can help to meet your liver's nutritional needs, do drop me a note for more details.



So much to share with you folks that I know of about this Silent Killer.


You have only ONE liver and it is for life. So please love him more!

How to find out what is your investment risk tolerance level?

Many people have a mental block when it comes to investments. To the neophyte, the investment world often seems something bad, full of pitfalls for the uninitiated. This need not be the case, for the basic of investing can be learned by anyone.

Investment means managing your resources so that you can preserve your money's buying power, generate more money and obtain income. Once you decide to put money to work by investing, you will need a procedure for making sense of the multitude of financial options available to you.

You can begin by clarifying what your investment goals are. May be asked yourself the following :-

1. where am I now financially?
2. Where do I want to be in five years?
3. Ten years?
4. Twenty years time?

You will have to take a financial inventory to assess where you are now. Ideally, this should be done when you are not under pressure.

Once you have carefully made this inventory, taking into account your liquid assets, fixed assets and various obligations, you should be ready to identify where you want to be at the end of the specific period. Bearing in mind that your goals will vary at different times in your life. For example, if you were to marry or to receive an inheritance your financial plan would change.

Whatever it is, to help you have a feel of what is your risk tolerance level, you may want to try this online Risk Profiler - courtesy of NTUC INCOME.

Hope you find this online Risk Profiler useful.