What Insurance Agent Said – T/F? Part 1
Nearly everyone has encountered a pushy agent who just can’t take no for an answer. Or how people bought a policy which later discovered comes with some unexpected surprises. The first
General
👇 Soft Landing within Striking Distance, No Recession
What Happened Recently After the recent, surprisingly improved inflation data released in mid-July, it solidified expectations for a near-term rate cut by the Federal Reserve. Why It Matters Lower rates are beneficial to
Interest Rate Cut Cycle Just Started, however…
What Happened Recently Interest Rate Cut Cycle started, but not in the US. Instead, the European Central Bank (ECB) which represented 20 countries, proceeded with its 0.25% interest rate cut in the
Showing you contents of a Hospital Guarantee Letter (GL)
Your medical card is useless at private hospitals means: it will NOT grant you cashless permission The real document that enables cashless admission is GL issued by insurer. This is how it looks
Medical Inflation and Its Impact on Medical Policies Part 3
Common mis-use of medical insurance (borderline fraudulent cases) and how insurance companies counter these incidents, to prevent medical claims from spiraling out of control - thereby impacting honest policy owners
Medical Inflation and Its Impact on Medical Policies Part 2
Example of High Claim amount medical cases in Malaysia (7 Figures) and its associated medical conditions. Also, example of high frequency claim incidents and its associated medical conditions. Doctors being more cautious
Medical Inflation and Its Impact on Medical Policies Part 1
I provide data on the rising trend of medical inflation in Malaysia compared to other countries. I explain how medical inflation is different from general inflation and why it is
Stock Markets & Global Economy Confidence Level so Far 2024
Data & analysis released so far that answers your questions below. Are we positive 2024 is going to be better & safer than 2023 & 2022 for the stock market? ✔️Yes,
What the Market Wants vs What the Market Needs (to Avoid)
This month's update - we are covering what will central banks do in 2024. The truth is that we are at central banks’ mercy, especially US central banks – Federal Reserve.
Wrapping Up 2023, what to expect in 2024
There are many ever-moving parts of the world economy and is not so easy to understand. But I will summarize what to expect 1-2 years from here so you add this
Will Global Economies Recover or Recede in 2024?
I want to bring you up to speed on this: 'when will the economy recover?'... ...so you can make better portfolio decisions going forward, taking into account recent events &
Improve Policy (ILP) Sustainability Easy w/o Paying More
Yep, we are going to answer that today. I'm going to even show you what to do. It's easy Best of all, no extra protection or investment premium required (although that definitely helps) More
Solving Hiccups during Hospital Admission/Discharge
This is how you can detect and resolve common issues during hospital admission & discharge using your own medical insurance, without needing your insurance agent to be on-site.
Pivotal Events Affecting your Investment 2H 2023
26 July 2023 - Although US central bank (the Fed) never committed to it, the 0.25% hike could be the last or second last, as we near the end of the
Contestability Period (for Medical Insurance)
Contestability period is a practice pertaining to any medical insurance policy that allows the insurance company to contest or question the claim raised within 2 years of the policy being
How Fast Insurance Companies Pay Out your Medical Claim/Reimbursement? Answer inside
Pre-hospitalization medical claim: RM 142.90 Post-hospitalization medical claim: RM 114.00 Filing claim using insurer's own app Claim payment receipt 1 Claim payment receipt 2 Transaction history inside bank account Conclusion: When there is no misrepresentation of
Insurance Claim Breakdown (latest)
Let me reveal to you - a good indicator of the type of illness or condition you should really be aware of... ...based on the top-down breakdown of the Top 5
How Resurging Inflation & Delayed Fed Pivot will Affect your Investment
Last month, I gave you heads up on 2 things that will ‘spoil’ the predicted sequence of events leading to the Fed Pivot: From then until
2023 Investment Outlook (Prediction) 2/2
We are now one step closer in the 1-2-3 sequence of events (as explained in my Jan 23 update). The markets also reacted to it The next meetings happens on
2023 Investment Outlook (Prediction) 1/2
I'll bring you up to speed on what to expect so far this year. They kept interest rates at 0.125% throughout 2020-2021 until they realized inflation was
Why Central Banks are Doing This but NOT that to Fix Global Inflation ⁉️
Apart from hiking interest rate, another way to bring down inflation, is to decrease money supply in the economy by adjusting bank Reserve Requirements (RR) in a season of Tightening Monetary
When will Global Stock Markets Rebound?
Just a matter of time - the Federal Reserve will pivot because the Federal government needs it. When that happens, we're going to get more persistent inflation and everything will inflates,
How Global Markets Plunge Affected your EPF
EPF annual report press release usually coincides with annual Budget week, not sure if you notice. EPF statements in last week press release is a good perspective to help you understand
Market FAQs – Your Questions Answered & Concerns Addressed
I’ve compiled FAQs on your investment portfolio in view of what’s happening. See below. Q1. Was it a bad decision/timing to invest/stay invested in 2021? Last year, Aug 2021 at Jackson Hole, US
Warning: Stay Away fr this ‘Casino-Like’ Products from Banks
Read this Term Sheet on Structured Investment Product from banks. Then watch below, a True Story my client told me. https://www.youtube.com/watch?v=1XUsv6ikm4k The issue is NOT with the underlying shares for the structured
13 FAQs on private hospital admission & discharge
How to check the Guarantee Letter status and decision myself?Call the phone number on your medical card. They operate 24 hours a day, 7 days a week. Why is deposit required
Going Up or Down from Here? Explained
For detailed updates, equally compelling reasons why market could stay low and bounce back by year end, watch below
Happening now: Stagflation & Reverse Globalization (explained)
Global equity markets plunge needs no further explanation by now, but bond markets also experienced a downturn never seen since 180 years (2 lifetimes!) ago Conventionally, bonds are the safe haven
Institutional Investors Slaughtering Retail Investors (explained)
A mind blowing revelation, backed by statistics, proving what every individual stocks investors has been experiencing their entire life. Even if you idolize Warren Buffett, and learned all his tricks and
Project Insurance Premium Beyond Sustainable YEars
First of all, you need to understand these 3 things for this to make sense How Investment Linked Policy (ILP) worksInsurance charges (Cost of Insurance) HikeSustainability concept in ILP This will make
How the Economy Affects our Spending & Investing Activities
Do you know what saving money is a NON-Economically Productive activity, but Spending Money and Going into Debt IS? IN this mind blowing, eye opening story, you will learn why, and
How to know if your agent has your best interest at heart
Sometimes, people forgot the 'human element' when it comes to dealing with investment or insurance. This is how you know your agent has empathy and therefore prioritizes your emotions and feelings
Conversation with a ‘Stuck’ Property Investor
Confession of a property investor who got misled & blindsided by an infamous property guru - learn from her mistake so you don't make such disastrous mistakes on your own. Juicy
Incoming: Medical Premium hike due to pandemic?
Yes, that's right. See this and understand how it can negatively impact your policy sustainability and premiums going forward Click to Enlarge Make no sense to you? Then you miss these 2
your Financial Well-being Strategy that works today
Was invited by EPF (yes, the one and only KWSP) in 25 Oct 2021 to give a talk on this topic (in BM). These are the bullet points: -How to make more
Part 2: How Banks Secretly Earn Easy Money from your Mortgage
Continue from part1 of the same title - narrating the behind-the-scenes of how our client serviced his mortgage installments for more than 1 decade, only to discover his outstanding loan
Wicked! How Banks Secretly Earn Easy Money from your Mortgage
Real story of how our client serviced his mortgage installments for more than 10 years, and then realized the outstanding balance is even HIGHER than the original mortgage amount! Seeing is
How Devil Property Gurus Con their Followers (Kisah Benar)
Malaysians who had been blindsided by notorious property gurus running rampant in the property investment industry came out and shared this to others - hopefully it helps to heighten the
“Why insurer call for medical exam even when I declared I am healthy?”
Oh, the hassle of going to the doctor's clinic or hospital to do medical check as instructed by the insurance company when you apply for insurance. Yet, you may have seen
Got insurance but no assurance?
How is assurance difference from insurance? Do you know that some people have multiple insurance policies but actually very little or invalid assurance? How can that be? And how to check and prevent
How much you can earn from a YouTube channel (passive income that Grows FAST)
By revealing to you behind-the-scenes of CF Lieu YouTube channel No Holds Barred Here's the thing: Subscribers count does NOT matter (aka 'vanity metric'). You will see that CF Lieu channel earns
True Signs you cannot afford your approved mortgage(s)
Purchasing a property (and getting a long term loan comes with it) is one of the biggest adulting process you can never be too prepared for. Getting approved for the home
This Almost Caused a Market Meltdown (how you can escape unscathed)
This is High Level Investing knowledge. Read the background story HERE first Then watch the below for my commentary where I break it down into layman explanation for your understanding.
Why Value Investing Strategy is Dead (since 2020)
And why should you care? Now that Covid19 has changed the world like never before? More details, watch below.
How Free-for-All EPF Withdrawal (i-Sinar) can affect you
...in terms of future EPF dividend returns ....even if you don't need to withdraw a single cent from your EPF account 1 (aka not participate in i-Sinar) More details, watch below.
Shocking! Cheated for 5 Figures by Insurance Agent
When I first heard my client related his kisah benar to me, even I was surprised at how this happened The audacity, notoriety and blatant disregard of ethics of the insurance
Special 2020 Tax Relief you may have MISSED
Below, this 5 min info will be the best time spent this month Only if you want to buy a desktop computer: How to avoid getting non-compliance penalty if you are
how much insurance can you buy (if budget is not a constraint)?
Yep, we are going to answer that today. If you're retired or unemployed, what kind and how much of insurance can you apply for? How much can you buy for your