The Fountain of Youth

Want to stay young always? Please read on.

Introduction

There is an energy layer in our body that does not show up in Western Medicine. The Chinese calls it chi, and have mapped it in detail and used it in acupuncture, demonstrating that this energy layer is real, eg. surgery using no anesthesia, just needles along the energy meridians.

The energy collects in seven centers, called chakras, in our body. The Tibetan monks could see these chakras and they noticed that in an old person the chakras spin slowly and are out of synch with each other, whereas in a young person’s body the chakras spin fast and are in synch with each other. So they devised a set of 5 exercises, called rites, that spins and synchronizes the chakras just like in a young person’s body. This causes the old person’s body to behave like a young body, and affects all biological functions including healing and rejuvenation.

Lately it was found that the chakras correspond to the sites of the seven endocrine centers in the body and is postulated to be the interface between the energy and the biological bodies.

My Personal Experience

The above introduction was written by Mr SK Wong who introduced The Fountain of Youth to me.

I have been doing the five rites for one year now. I have found them very powerful.

Start with doing each rite three reps, and slowly increase to 21 reps. You will be able to see the effect.

If you are interested to know more about this wonderful exercise, kindly email me for more details at shpoh88@gmail.com.

Rite 1

Rite 2

Rite 3

Rite 4


Rite 5

You Are Already Insured!

We shall examine three statements.

Statement 1: You are already insured, whether you buy insurance or not!

Statement 1 may sound odd, but there is some truth in it. Read on…

Statement 2: Insurance is a contract concerning time and money. When you do not have the time, the contract will pay your family the money. When you do have the time, the contract will pay you the money. Therefore, insurance is a financial security contract.

So, either way you are secure.

However, if you do not have an insurance policy, there is no contract. Therefore, Statement 2 has to be re-worded as below.

Statement 3: If you do not have an insurance contract, you have to be self-reliant. When you do not have the time, you yourself will have to pay your family the money. When you have the time, you will pay yourself the money. Therefore you will have to ensure your own financial security.

This means you have to save enough money for your family and yourself so that you are able to handle the following situations:

1. Living too long or Living far longer than you imagine – planning for a lengthy retirement

2. Living death or Protracted death – protecting your loss of income due to injury, sickness or critical illness

3. Dying too soon – protecting your family against financial loss due to premature death

4. Children’s future – planning for your children’s educational funds

5. Wealth creation – saving and investing towards more comfortable living

To sum up, if you have insurance coverage, the insurance company will assist you to meet the five needs mentioned above, because you have transferred your risks to the insurance company. The insurance company charges you a premium which is usually about 2 to 3% of the sum insured annually. Otherwise, you have to insure yourself by covering 100% of these costs yourself. You can then say you are fully insured either way.

The choice is yours!

I Need More Time To Consider

You may hesitate to sign up for an insurance policy because there are so many factors to consider:

1. I don’t think I have enough money
2. I’m fine, I don’t need insurance
3. Insurance may bring misfortune – pantang lah

However, if you flip your thinking:

1. The more your budget does not allow, the more you need to be insured because what if you lose your stream of income? After all, the premium is only a small fraction, usually at about 2 to 3% of the sum insured annually. This is the cheapest buy you can get for financial security for yourself and the family you love.
2. Yes, you may well be “fine” now. This is all the more reason why you should sign up for an insurance policy. If you are already NOT fine, no insurance company will be willing to give you coverage. You will have to insure yourself on your own. [Please read my article in this blog: You Are Already Insured!].
3. If insurance brings misfortune, there are thousands of misfortunes every day, as thousands of people are signing contracts with insurance companies every day! Insurance policies function to help you tide over any misfortune you may face, be it death, disability, accident, critical illness, hospitalization, loss of income etc. Insurance can even create wealth for you so that you can support the rising cost of education for your children, save enough money for yourself when you are retired, prepare yourself a contingency fund.

So, why wait?

If you have the money, sign up now for a comfortable insurance policy as a means of saving with the intention of protecting your wealth.

If you do not have enough money, plan your expenditures so as to be able to set aside an affordable amount for the inevitable rainy days. Otherwise, you will be even poorer as there will be no insurance company willing to lend you a helping hand.

The choice is yours!

I Need to Compare with Other Companies

A smart consumer will always exercise one of their very important rights as a consumer – comparing the various products available before buying any product or engaging in any service.

It is fair and wise to do comparison shopping for an insurance policy. There are bound to be differences in different policy plans, be they from the same company or from different companies. Each policy has its own good points & weak points. There is no one policy that can be the best of all. The most important consideration should be which plan serves your own personal purposes.

What are you looking for in term of protection?

The choices depend on the type of benefits you plan for:

1. death and disability

2. accidental death and total permanent disability

3. critical illness

4. medical & hospitalization

5. personal accident

6. repayment of the outstanding loans to financial institutions in the event of the untimely death, disability or critical illness

7. waiver of premium in the event of misfortune

8. investment in a fund managed by the life insurance company

Go through the checklist. Choose which items suit your needs. Talk to your insurance agents. Ask for quotations. Make a decision, the soonest the better so that you are protected right away!

The choice is yours.