With regards to one of the current hottest topic in the financial industry is “Insurance” vs “Investment”. If you were to ask me, in my opinion and being in this industry, I would say that Insurance is never an Investment. It is totally two different things.
So, I cannot believe how my peers in this industry actually go out there, acting as an Investment Professional, hard-selling products as Investment Product towards clients. In my very own opinion, I would say that this practise can be regarded as mis-selling.
Why? Why is a question you would ask me? We are professionals to design and cater for the assurance needs of the client and not investment needs. Although we have an option for clients which are called “Invesment-Linked Policies”, our priority is to cater for the client’s assurance or protection needs, investment needs is secondary.
So, what is my flow when I meet my clients?
Simple, my very first question to them will be, “What is your motive in owning insurance? Protection or Capital Accumulation?”. From here, I will then do the proper fact finding to design and cater a solution for the client’s specific needs. Whatever policies that the client is about to own will be based on their needs. Read more...
anemia and supplements, there is a real connection? Anemia itself is not a disease, it is the result of a malfunction of the body somewhere, and it represents the production of the required number of red blood cells that it needs to keep your body functioning properly. It can affect both men and women at any age, but it is most common in young and middle-aged females.
It is estimated that about 20 percent of all menstruating women and more than fifty percent of pregnant women have anemia. However, there are some other people, the. Risk of developing this condition, which is affects the body in different ways
Anemia is a deficiency where the body is unable to produce the required number of red blood cells or the quality that is required in these cells either. Red blood cells carry the oxygen that your body used by a protein called hemoglobin.
The normal concentration of hemoglobin, which is required is 16 g / dL for men and 14 g / dl for women. The g / dl means deciliter per gram, the volume of a unit is equal to a tenth of a liter.
If the hemoglobin levels in the blood drop below this measurement is a person anemic. Read more...
The Institute for Vibrant Living natural health research dept. has looked into the purported natural health benefits of green tea. Here is their report:
Green tea has been a staple in Asia for more than 5,000 years, and it is quickly becoming one of the most popular health-boosting drinks in the world.
Whether you get it from a cup or a capsule or a dropper (this new ‘delivery system’ is described at the end of this article), green tea is one of the biggest favors you can do for your health, particularly your immune system.
Green tea is produced when the leaves are simply steamed and baked after the picking process. Once that is done, they are rolled and dried.
Because of the way they are prepared, the leaves retain not just their green color but also a significant number of nutrients that other types of tea lose in the preparation process.
For instance, with black tea, the leaves must be wilted first so as to reduce their moisture content. Then they are rolled up and punctured, so that their enzymes are exposed to air and oxidized.
Because it is less processed than black tea, green tea retains an agent called catechin polyphenol, which helps oxidize the fat in your body so that your body burns it more efficiently.
With the abundance of food available today, parents are fighting a difficult battle between kids and nutrition.
How do you overcome picky eaters? How much of fruits and vegetables are enough? Are junk food really bad for my kids?
The boom of the industrial age brought many advantages to us. One of them is the constant availability of food, preserved and convenient.
But the hard reality is that the industrial age has also brought with it a problem: obesity. It’s especially more in kids today.
Homes are becoming smaller and kids are left with no choice but to sit in front of the TV and munch.
Here’s the thing; food is not bad. We have to start educating our kids to be selective about what they put into their mouth.
Childhood obesity is one of the biggest problem kid’s today face.
Some people want their children to be plum, they say it makes them look cute.
Well here are some of the effects of childhood obesity: Read more...
It’s come to my attention, that there seem to be an increasing amount of mental health issues popping-up these days, including, but not limited to, “selective memory loss, paranoia, and delusion”. Otherwise healthy and rational human beings, have been coming up with the most extraordinary statements lately, which lead me to believe they must be effected by a highly virulent strain of some mental blockage/malfunction. We may be experiencing a deadly virus far more sinister than the passing cold (and I doubt we’ll be able to have this one analyzed by the CDC).
In recent weeks I’ve actually heard with my very own ears, lifelong Democrats, and rational fence-sitting Republicans, say they are NOT going to vote for Obama! (What the hell does that mean?!)
For some, that means they are actually considering voting for McCain, & more of the failed Republican agenda, which got us into this mess in the first place (re: “selective memory loss”). They reason that the dysfunctional known, is better than the wide-open unknown, and have retreated to the well worn paths of the past. (I suspect the oft used Republican ploy of “paranoia politics” has taken it’s toll here, and these people have finally succumb to it’s oozing, baseless fear.) They’ve lost so much of their happiness in the last 8 years, that they’re reluctant to put any more of their existence on the line, and will try to hold onto the little sanity they have left, with both hands. Read more...