日本的諷刺明星兼導演北原武不久前又獲得一個電影的國際獎。
幾年前他的母親去世，他回故鄉去奔喪，他一直不喜歡母親，
因為她一直不斷向這一個兒子要錢，只要他一個月沒有寄錢回家，
母親就打電話給他破口大罵，真是所謂的死要錢， 而且北原武越出名，她索取的錢越多。回到家之後，他還是忍不住大哭一場， 想到他一直在外，沒有好好供養媽媽， 雖然是死要錢的媽媽，他還是覺得虧待母親。等辦完喪事，北原武正要離開家的時候， 他的大哥把一個小包袱給了他說： 這是媽媽叫我一定要交給你的。北原武小心翼翼地打開小包袱看到一本存摺與一封信， 存款是用他的名義開戶，存款金額高達數千萬日幣，信中母親寫道： 武兒，在這幾個兒女當中，我最擔憂的就是你， 你從小就不喜歡唸書，又亂花錢，對朋友太慷慨， 當你說要去東京打拼時，我就很擔心你會變成一個落魄的窮光蛋， 因此我每月從不間斷地要你寄錢回家， 一方面可以刺激你去賺更多的錢， 另一方面也為了替你儲蓄；你給我的錢， 我一毛都沒有花，你大哥一家把我養得好好的， 你的錢就是你的錢，現在就拿去好好利用吧！看完了信，北原武哭倒在地上，久久站不起來．．．
王永慶曾經說過一句話：你賺的一塊錢不是你的一塊錢，你存的一塊錢才是你的一塊錢。現在的經濟景氣越來越差，全世界都進入了二低一高的時代低成長、低利率、高通膨；不要小看你隨手花掉的小錢：一杯咖啡、一包香煙、一件衣服．．．， 省下它，就有可能改變你的一生，如果你身邊也有存不了錢的朋友， 告訴他北原武的故事，你就有可能成為他這輩子的貴人！養不起的未來 --不是收入太少，而是開銷太大！
Monday, April 20, 2009
Tuesday, April 7, 2009
每一种退休生活都有一个数字, 您知道您的嗎?
我们每个人都有自己梦寐以求的退梦想与目标。
而这些梦想与目标都 各有一个独特的数字。
您知道您的是多少吗 ? 要如何才能迖到这个数字呢?
我们能帮您计算这个数字, 并协助您实現您的退休梦想。
並为您设定╴个周全的储蓄计劃, 祗需固定的储蓄一笔小錢, 时限12年, 並在13年后, 每年將有固定的收入, 至到100岁,而留下一笔兔费的財産给予孩子或家属, 並獲得免费保障, 而比银行的現有的定期存款2.5%利息更高, 現在的您, 是为了兩个”您”而工作, 当你退休时, 您賺多少不重要, 重要是您存多少,有了這个储蓄计劃,並在退休後,您將享有現有的生活方式, 並讓这名”孩子”来照顧您的晚年。
Thursday, March 26, 2009
胜利
你是那个老爱吹牛的傢伙， 你老是说有一天你会变成這裡的老大。
你也只不过希望眩耀一番罷了， 好讓别人知道你懂得真的，好讓别人曉得你跑的多远。
但是我们又过了一年，
你可有什么新的主意？
你可乾了几件大事？
时间丢给你12个嶄新的月份。
你能掌握其中多少的机会？
你又同往日一般地浪費了多少宝贵岁月？
我從来也沒有從成功的名單位上找到你。
你想知道为什么嗎？
告诉你， 不是因为你缺乏机会，而是因为你根本未曾行动。
你也只不过希望眩耀一番罷了， 好讓别人知道你懂得真的，好讓别人曉得你跑的多远。
但是我们又过了一年，
你可有什么新的主意？
你可乾了几件大事？
时间丢给你12个嶄新的月份。
你能掌握其中多少的机会？
你又同往日一般地浪費了多少宝贵岁月？
我從来也沒有從成功的名單位上找到你。
你想知道为什么嗎？
告诉你， 不是因为你缺乏机会，而是因为你根本未曾行动。
Monday, March 23, 2009
Saturday, March 21, 2009
Friday, March 20, 2009
Thursday, March 19, 2009
你能陪他 長大嗎？
不 管 我 们对子女的感 情 再 好， 期望再高， 投资再大 --------， 仍然無法 保證我们 一定能夠陪他一起長大， 所幸雖然有人无法 陪伴子女一起長大， 但每位父 亲的愛心都可以透过保險 陪着子女–起長大。
Wednesday, March 18, 2009
Tuesday, March 17, 2009
关于ING
ING保险有限公司是ING集团的一份子，一家源自荷兰的国际金融服务机构。ING集团旗下11万3千名的员工为50个国家逾6千万名客户提供银行、保险及资产管理服务。截至2004年终，该集团拥有4,920亿欧元的投资资产、8,660亿欧元的总资产和260亿欧元的股东资金。
在马来西亚，ING保险提供所有类型的保险，包括人寿险、普通险及员工福利。ING保险拥有雄厚的财力、丰富的经验、广泛的服务中心网络及受过良好训练的员工和代理，为全国各地超过一百万名客户提供服务。截至2004年终，ING保险的总资产为66亿零吉，而缴足资本为1.4亿零吉。
生命的意义就是活出精彩的人生及追求更高的目标。您在不同的人生阶段有不同的人生目标，无论是拥有您的梦想家园，给您孩子最好的一切，或只是拥有财务自主以让您可安享晚年。
现在，有了ING Prime Life，您的目标将会一一实现。
ING Prime Life 为您提供保险的保障及创造财富的机会，让您能在不同的生命阶段达至您的财务目标。此计划让您双管齐下，以便您能同时管理您的保障与投资。它的独特设计可减少您的忧虑并让您活得更安心，因为您已确保您本身及您的至爱将在不幸情形发生时得到保障。
您也可确保您的基金会获得专业性的管理与成长，基金将由一群全职的投资专才所管理，并拥有我们母公司－ING集团的投资资源及专业知识为后盾。ING集团是一个国际财务公司，它管理超过EUR4,490亿的投资基金。
保单特点/利益
生命保障
完全及永久残废保障
改变保费与保额的选择
基金转移
投资加额便利
基金提取
兑现利益
保费暂停
选择性附条
您是否已为孩子的高深教育作好周全的准备？别为教育所需的费用阻止您想给予您孩子一个美好未来的决心。有了教育储蓄保单，您将不会感到需筹出一大笔资金的难处，因为这份保单会循序渐进地帮您储蓄。它的设计让您在保单满期前，即您孩子的保单之最后三年时领取付款。这表示在您孩子最需要的时候，也就是在他的大专教育期间拥有一笔充足的教育基金。
保单特点/利益
受保证之现金付款
伸缩性的保单期限
教育贷款
学业成绩优异奖
孩子的保障
想像一下，您拥有一份可在我们指定的医院获得入院担保及出院时为您支付医药帐单的保单，这正是 ING Medical Plan II (IMP II) 能为您做的。这绝对方便与无烦恼的入院程序让您可舒适及安心地把精神集中在更重要的东西－您的健康。
有了IMP II，您无需再为保健费用而烦恼，或担心保健费用会成为您及挚爱的负担。IMP II 让您可在缴付最低费用下享有最高的保障，灵活性与便利。您需做的只是从4种计划里选出一个最符合您需求的计划。
保单特点/利益
ING 医药卡
国际医药援助计划
计划选择
保单更新
全面性的住院与手术保障
海外医疗保障
ING Prime Life Insurance 是一个具有灵活性的单位联结保险计划，它给您广泛的选择以符合您保障及投资的目标。通过其独特的设计，家庭保障配套保障您的家人和挚爱，同时也确保您可继续维持您所希望的生活方式。
提供家庭保障的特有利益，如残废收入和配偶收入；提供金钱上的资助若您或您配偶于65岁前遭遇不幸?
可负担的保费，保费数额可根据您的需求和收入而更改。于此同时，您也可享有全面性的保障
保证获得死亡和完全及永久残废(TPD)之保障，若有关情形发生在65岁前。
同时也提供您
- 严重疾病保障至100
- 个人意外保障至70岁
投资加额便利1，您可在任何时候增加投资数额以提高您的投资基金。
备注：家庭保障配套是ING Prime Life Insurance严重疾病附条，意外死亡/残废附条，残废收入附条和配偶收入附条的组合。这些附条是属于选择性 的，您可向您的代理员询问其他ING所提供的附条。
1 最低投资加额为RM500，数额可能会依据ING保险的决定而更改。
ING Prime Life Insurance 是一个具有灵活性的单位联结保险计划，它给您广泛的选择以符合您保障及投资的目标。通过其独特的设计，收入保障配套保障您的收入，同时也确保您可继续维持您所希望的生活方式。
适合尚未结婚或刚投身社会工作，正计划购买他们第一份保单的人士?
可负担的保费，保费数额可根据您的需求和收入而更改。于此同时，您也可享有全面性的保障?
保证获得死亡和完全及永久残废(TPD)之保障，若有关情形发生在65岁前?
同时也提供您：
- 严重疾病保障至100岁
- 个人意外保障至70?
投资加额便利1，您可在任何时候增加投资数额以提高您的投资基金。
备注：收入保障配套是ING Prime Life Insurance严重疾病附条和意外死亡/残废附条的组合。这些附条是属于选择性 的，您可向您的代理员询问其他ING所提供的附条。
1 最低投资加额为RM500，数额可能会依据ING保险的决定而更改。
欲知更多详情,请浏览 www.ing.com.my
ING保险有限公司是ING集团的一份子，一家源自荷兰的国际金融服务机构。ING集团旗下11万3千名的员工为50个国家逾6千万名客户提供银行、保险及资产管理服务。截至2004年终，该集团拥有4,920亿欧元的投资资产、8,660亿欧元的总资产和260亿欧元的股东资金。
在马来西亚，ING保险提供所有类型的保险，包括人寿险、普通险及员工福利。ING保险拥有雄厚的财力、丰富的经验、广泛的服务中心网络及受过良好训练的员工和代理，为全国各地超过一百万名客户提供服务。截至2004年终，ING保险的总资产为66亿零吉，而缴足资本为1.4亿零吉。
生命的意义就是活出精彩的人生及追求更高的目标。您在不同的人生阶段有不同的人生目标，无论是拥有您的梦想家园，给您孩子最好的一切，或只是拥有财务自主以让您可安享晚年。
现在，有了ING Prime Life，您的目标将会一一实现。
ING Prime Life 为您提供保险的保障及创造财富的机会，让您能在不同的生命阶段达至您的财务目标。此计划让您双管齐下，以便您能同时管理您的保障与投资。它的独特设计可减少您的忧虑并让您活得更安心，因为您已确保您本身及您的至爱将在不幸情形发生时得到保障。
您也可确保您的基金会获得专业性的管理与成长，基金将由一群全职的投资专才所管理，并拥有我们母公司－ING集团的投资资源及专业知识为后盾。ING集团是一个国际财务公司，它管理超过EUR4,490亿的投资基金。
保单特点/利益
生命保障
完全及永久残废保障
改变保费与保额的选择
基金转移
投资加额便利
基金提取
兑现利益
保费暂停
选择性附条
您是否已为孩子的高深教育作好周全的准备？别为教育所需的费用阻止您想给予您孩子一个美好未来的决心。有了教育储蓄保单，您将不会感到需筹出一大笔资金的难处，因为这份保单会循序渐进地帮您储蓄。它的设计让您在保单满期前，即您孩子的保单之最后三年时领取付款。这表示在您孩子最需要的时候，也就是在他的大专教育期间拥有一笔充足的教育基金。
保单特点/利益
受保证之现金付款
伸缩性的保单期限
教育贷款
学业成绩优异奖
孩子的保障
想像一下，您拥有一份可在我们指定的医院获得入院担保及出院时为您支付医药帐单的保单，这正是 ING Medical Plan II (IMP II) 能为您做的。这绝对方便与无烦恼的入院程序让您可舒适及安心地把精神集中在更重要的东西－您的健康。
有了IMP II，您无需再为保健费用而烦恼，或担心保健费用会成为您及挚爱的负担。IMP II 让您可在缴付最低费用下享有最高的保障，灵活性与便利。您需做的只是从4种计划里选出一个最符合您需求的计划。
保单特点/利益
ING 医药卡
国际医药援助计划
计划选择
保单更新
全面性的住院与手术保障
海外医疗保障
ING Prime Life Insurance 是一个具有灵活性的单位联结保险计划，它给您广泛的选择以符合您保障及投资的目标。通过其独特的设计，家庭保障配套保障您的家人和挚爱，同时也确保您可继续维持您所希望的生活方式。
提供家庭保障的特有利益，如残废收入和配偶收入；提供金钱上的资助若您或您配偶于65岁前遭遇不幸?
可负担的保费，保费数额可根据您的需求和收入而更改。于此同时，您也可享有全面性的保障
保证获得死亡和完全及永久残废(TPD)之保障，若有关情形发生在65岁前。
同时也提供您
- 严重疾病保障至100
- 个人意外保障至70岁
投资加额便利1，您可在任何时候增加投资数额以提高您的投资基金。
备注：家庭保障配套是ING Prime Life Insurance严重疾病附条，意外死亡/残废附条，残废收入附条和配偶收入附条的组合。这些附条是属于选择性 的，您可向您的代理员询问其他ING所提供的附条。
1 最低投资加额为RM500，数额可能会依据ING保险的决定而更改。
ING Prime Life Insurance 是一个具有灵活性的单位联结保险计划，它给您广泛的选择以符合您保障及投资的目标。通过其独特的设计，收入保障配套保障您的收入，同时也确保您可继续维持您所希望的生活方式。
适合尚未结婚或刚投身社会工作，正计划购买他们第一份保单的人士?
可负担的保费，保费数额可根据您的需求和收入而更改。于此同时，您也可享有全面性的保障?
保证获得死亡和完全及永久残废(TPD)之保障，若有关情形发生在65岁前?
同时也提供您：
- 严重疾病保障至100岁
- 个人意外保障至70?
投资加额便利1，您可在任何时候增加投资数额以提高您的投资基金。
备注：收入保障配套是ING Prime Life Insurance严重疾病附条和意外死亡/残废附条的组合。这些附条是属于选择性 的，您可向您的代理员询问其他ING所提供的附条。
1 最低投资加额为RM500，数额可能会依据ING保险的决定而更改。
欲知更多详情,请浏览 www.ing.com.my
Protect Your Family With Insurance
Dear Prospect
PROTECH YOUR FAMILY WITH INSURANCE
Car Insurance, home insurance, life insurance, - It’s a lot of think about . But remember what these products are designed to do: project you and your family by insulating you from the financial repercussions of unforeseen events such as illness, death, disability, accident and etc.
There is an abundance of insurance products available to meet a wide variety of needs. Some of the more recently introduced products include long-term care insurance and critical illness insurance.
Which type of insurance you need, and how much coverage you require, depends on a few variables. To determine your needs, ask yourself questions such as :-
• If I became disabled and couldn’t work for five years, would I still be able
to maintain a comfortable lifestyle and make my rent or mortgage payment?
* If I did suddenly, would my partner and children be sufficiently provided
for?
• If I suffered a stroke and needed long-term care in a nursing facility,
would I have the funds to pay for it?
• If I was diagnosed with cancer tomorrow, how would I cover any medical costs
and protect my family from the loss if my income while I recover? If I or my
partner were to die suddenly, would I have sufficient term insurance to pay
off my mortgage?
• If I’m self employed, do I have sufficient disability insurance or extended
health coverage? If I run a small business with just two or more employees,
have I considered creating my own group plan?
If all of these scenarios, consider the short and long term ramifications for you and your family if you didn’t have insurance.
If you feel tempted to skip life insurance and play the adds, look at it this way, says Gail Vaz-Oxlade in her Retirement Answer Book. “You’ re not insuring your life, you’re inuring the economic value of your life, or your ability to earn an income in the future.”
Whether or not you need to buy life insurance, she says, depends on how much you have in the way of assets, how much debt you have, and whether or not your family could make ends meet without your income. As a Financial Services Provider for ING can help you assess your requirement.
To figure out how much life insurance you should have, says Vaz-Oxlade, add up the following expenses , and subtract them from your family’s assets and income :
• Your family ‘s monthly budget needs
• Costs associated with your death
• Debts to be paid off
• Exceptional Expenses
“ The discrepancy between what your family has and what it will need must be covered in come way if you wish to minimize the financial impact of your death,” says Vaz-Oxlade. “That’s where the insurance comes into play,” Of course, this calculation just gives you a general idea. Every situation is different, and it would be best to consult us for a closer look at your insurance needs.
Best Regards.
LAW WAH SING (0127835644)
Authorized Agent for ING
PROTECH YOUR FAMILY WITH INSURANCE
Car Insurance, home insurance, life insurance, - It’s a lot of think about . But remember what these products are designed to do: project you and your family by insulating you from the financial repercussions of unforeseen events such as illness, death, disability, accident and etc.
There is an abundance of insurance products available to meet a wide variety of needs. Some of the more recently introduced products include long-term care insurance and critical illness insurance.
Which type of insurance you need, and how much coverage you require, depends on a few variables. To determine your needs, ask yourself questions such as :-
• If I became disabled and couldn’t work for five years, would I still be able
to maintain a comfortable lifestyle and make my rent or mortgage payment?
* If I did suddenly, would my partner and children be sufficiently provided
for?
• If I suffered a stroke and needed long-term care in a nursing facility,
would I have the funds to pay for it?
• If I was diagnosed with cancer tomorrow, how would I cover any medical costs
and protect my family from the loss if my income while I recover? If I or my
partner were to die suddenly, would I have sufficient term insurance to pay
off my mortgage?
• If I’m self employed, do I have sufficient disability insurance or extended
health coverage? If I run a small business with just two or more employees,
have I considered creating my own group plan?
If all of these scenarios, consider the short and long term ramifications for you and your family if you didn’t have insurance.
If you feel tempted to skip life insurance and play the adds, look at it this way, says Gail Vaz-Oxlade in her Retirement Answer Book. “You’ re not insuring your life, you’re inuring the economic value of your life, or your ability to earn an income in the future.”
Whether or not you need to buy life insurance, she says, depends on how much you have in the way of assets, how much debt you have, and whether or not your family could make ends meet without your income. As a Financial Services Provider for ING can help you assess your requirement.
To figure out how much life insurance you should have, says Vaz-Oxlade, add up the following expenses , and subtract them from your family’s assets and income :
• Your family ‘s monthly budget needs
• Costs associated with your death
• Debts to be paid off
• Exceptional Expenses
“ The discrepancy between what your family has and what it will need must be covered in come way if you wish to minimize the financial impact of your death,” says Vaz-Oxlade. “That’s where the insurance comes into play,” Of course, this calculation just gives you a general idea. Every situation is different, and it would be best to consult us for a closer look at your insurance needs.
Best Regards.
LAW WAH SING (0127835644)
Authorized Agent for ING
Monday, March 9, 2009
Child Education and Self Retirement Plan
Dear Payer
As an agent of ING, I want to thank you for giving me this opportunity to provide you a professional financial planning and risk management service.
You have different goals that you want to achieve at different stages of your life. According to the information provided, we notice that you have the intention to prepare a perfect and secure “Child’s Education and Self Retirement Plan”. We understand that this plan is very important to you because financial security for you child’s tertiary is too important to be left to chance. You need to prepare sufficient fund for leaving your child the best university. Beside of that, you also deserve a happy and carefree retirement.
Your child is more than likely the most precious gifts of your life. Your child deserves to be well taken care of and deserves a good education. Yet, you will still need to save for your retirement too.
However, can one kills two birds with only a stone?
Proper and early financial planning can help you achieving what you want!
In order fun your child’s tertiary education and to sustain the lifestyle and comfort in your golden years. You will need to save systematically to achieve these goals.
You are the best persons to take care of your family, ING and I will always be your side to help you achieve what you want.
Lastly, thank you for your trust and support and wishing you and family a happy and healthy life forever.
Best Regards.
LAW WAH SING (0127835644)
Authorized Agent for ING
As an agent of ING, I want to thank you for giving me this opportunity to provide you a professional financial planning and risk management service.
You have different goals that you want to achieve at different stages of your life. According to the information provided, we notice that you have the intention to prepare a perfect and secure “Child’s Education and Self Retirement Plan”. We understand that this plan is very important to you because financial security for you child’s tertiary is too important to be left to chance. You need to prepare sufficient fund for leaving your child the best university. Beside of that, you also deserve a happy and carefree retirement.
Your child is more than likely the most precious gifts of your life. Your child deserves to be well taken care of and deserves a good education. Yet, you will still need to save for your retirement too.
However, can one kills two birds with only a stone?
Proper and early financial planning can help you achieving what you want!
In order fun your child’s tertiary education and to sustain the lifestyle and comfort in your golden years. You will need to save systematically to achieve these goals.
You are the best persons to take care of your family, ING and I will always be your side to help you achieve what you want.
Lastly, thank you for your trust and support and wishing you and family a happy and healthy life forever.
Best Regards.
LAW WAH SING (0127835644)
Authorized Agent for ING
Sunday, March 8, 2009
Child's Gift of Love
Dear payer,
As an agent of ING, I want to thank you for giving me this opportunity to provide you a professional financial planning and risk management services.
You child is more than likely the mist precious gifts of your life. As discussed with you earlier, you wish to prepare a perfect and secured “Child’s Gift of Love” as a gift of love to take care of your child’s future. We understand that the plan is very important to you because financial security for your child’s future career development is too important to be left to chance. You need to prepare sufficient fund for leaving for child with the opportunity to build up a sizeable nest egg for your child’s future. Besides of that, planning properly for your child’s future can be the most precious gifts of love given to your child.
Your child deserves to be well take care and deserves a good planning for higher chances of success in the future.
Proper and early financial planning can help you to meet your goals!
You are the best person to take care of your child. ING and I always be your side to help you achieve what you want.
Lastly, thank you for your trust support and wishing you trust and support and wishing you and family a happy and healthy life forever.
.
Best Regards.
LAW WAH SING (0127835644)
Authorized Agent for ING
As an agent of ING, I want to thank you for giving me this opportunity to provide you a professional financial planning and risk management services.
You child is more than likely the mist precious gifts of your life. As discussed with you earlier, you wish to prepare a perfect and secured “Child’s Gift of Love” as a gift of love to take care of your child’s future. We understand that the plan is very important to you because financial security for your child’s future career development is too important to be left to chance. You need to prepare sufficient fund for leaving for child with the opportunity to build up a sizeable nest egg for your child’s future. Besides of that, planning properly for your child’s future can be the most precious gifts of love given to your child.
Your child deserves to be well take care and deserves a good planning for higher chances of success in the future.
Proper and early financial planning can help you to meet your goals!
You are the best person to take care of your child. ING and I always be your side to help you achieve what you want.
Lastly, thank you for your trust support and wishing you trust and support and wishing you and family a happy and healthy life forever.
.
Best Regards.
LAW WAH SING (0127835644)
Authorized Agent for ING
不能查封的財産
生意往來難免有借有贷
汽車、房屋、 机器……….等財產，
都会因债務被查封拍賣。
只有人壽保險的保單，永远不必担心被查封。
無論目前事业多成功， 仍然谮伏著相當的风險舆危机。稍一疏忽， 就可能造成辛苦累積的财產， 惨遭查封拍賣。幸好有一种财産，平常不起眼， 緊急时可比发揮莫大的功效。 而且永远不会被查封， 可以完整的保留给受益人， 成为我们最安金可靠安家费用，免除後顧之憂。那就是人壽險。
汽車、房屋、 机器……….等財產，
都会因债務被查封拍賣。
只有人壽保險的保單，永远不必担心被查封。
無論目前事业多成功， 仍然谮伏著相當的风險舆危机。稍一疏忽， 就可能造成辛苦累積的财產， 惨遭查封拍賣。幸好有一种财産，平常不起眼， 緊急时可比发揮莫大的功效。 而且永远不会被查封， 可以完整的保留给受益人， 成为我们最安金可靠安家费用，免除後顧之憂。那就是人壽險。
Saturday, March 7, 2009
親愛的Prospects
感谢您给予我机会 让我代表ING 为您提供专 业之财务 策划 及风險管理之服務。
在我们之前的探讨中，您希望能为自己 准备一个周全的 (悠闲轻松退休汁划) 。您意识到这个计划对您的重要性，那是因为您了解只有通过周详的财务规划，充分掌握錢财，这样您才能迈向真正的经济独立。
生命的意义就是活出精彩的人生及追求更高的目标！
您在不同的人生阶段会拥有不同的人生目标， 增强您的事业前景，开创自己的事业， 拥有自己的事业，拥有梦寐以求的屋子， 让孩子享有最美好的， 享有愉快的晚年等等。 是的， 您的目标可能就是这么简单，也可能是您所想像中的宏大。 但是， 无论自标的大小， 都是您所致力追求的， 而最终的目标就是金錢。 这就是为什么您需要一个适当的财务计划 及解决 方案。
为了确保一个财务自主的未來， 无需依靠他人、 无需为未偿债务而烦垴， 並且享有舒适的退 休生涯， 您需要一个独一无二並能完全符合您的财务需求之系统性儲蓄计划。 此计划能在您退休时提供您一笔基金以让您摊还贷款， 实现您的梦想假期， 装修屋子等等， 并且还将提 供您一份平稳的退休基金以支持您的退休生活。
您绝对是照顾自己的最佳人选， 身为 好友的我， 將与ING –同从旁协助您， 让您安心从工作岗位上退休， 并让您在退休时享有美好的一切。
最后， 我要再次感谢您对我及ING 的信任， 並祝您及家人永远生活愉快，健康顺意。
Best Regards.
LAW WAH SING (+60127835644)
Authorized Agent for ING
Email - a1070ing@gamil.com
感谢您给予我机会 让我代表ING 为您提供专 业之财务 策划 及风險管理之服務。
在我们之前的探讨中，您希望能为自己 准备一个周全的 (悠闲轻松退休汁划) 。您意识到这个计划对您的重要性，那是因为您了解只有通过周详的财务规划，充分掌握錢财，这样您才能迈向真正的经济独立。
生命的意义就是活出精彩的人生及追求更高的目标！
您在不同的人生阶段会拥有不同的人生目标， 增强您的事业前景，开创自己的事业， 拥有自己的事业，拥有梦寐以求的屋子， 让孩子享有最美好的， 享有愉快的晚年等等。 是的， 您的目标可能就是这么简单，也可能是您所想像中的宏大。 但是， 无论自标的大小， 都是您所致力追求的， 而最终的目标就是金錢。 这就是为什么您需要一个适当的财务计划 及解决 方案。
为了确保一个财务自主的未來， 无需依靠他人、 无需为未偿债务而烦垴， 並且享有舒适的退 休生涯， 您需要一个独一无二並能完全符合您的财务需求之系统性儲蓄计划。 此计划能在您退休时提供您一笔基金以让您摊还贷款， 实现您的梦想假期， 装修屋子等等， 并且还将提 供您一份平稳的退休基金以支持您的退休生活。
您绝对是照顾自己的最佳人选， 身为 好友的我， 將与ING –同从旁协助您， 让您安心从工作岗位上退休， 并让您在退休时享有美好的一切。
最后， 我要再次感谢您对我及ING 的信任， 並祝您及家人永远生活愉快，健康顺意。
Best Regards.
LAW WAH SING (+60127835644)
Authorized Agent for ING
Email - a1070ing@gamil.com
Three Generation Retirement Plan
Dear Payor,
Thank you for sharing your valuable time to discuss your financial planning with me. I am convinced that the following plan provided by ING coincided well with your needs and requirements.
In addition to my enthusiasm, I have prepared a plan. “ Three-Gen Retirement Plan” for you. This plan (https://www.ing.com.my/IIBNet/2.0/ING.Application.Web/IIBDefault/product.aspx?target=retirement#) is very importance to your family because it was take care of the future of your family members. You and your descendents deserved to be financial independent and to achieve the retirement goals when you all reach your retirement age.
With this plan, your three generations will be well protected. Upon your retirement, you will receive a consistent retirement income every year and it doesn’t stop there; the plan will continue to provide retirement income for your child and lump sum of funds for your grand-children.
You kill three birds with one stone and
Generate wealth which last for three generations?
I am happy to provide you a yearly review on your plan to make sure it is always up-to date.
Lastly, thank you or your trust and support and wishing you a happy and healthier life forever.
Best Regards.
LAW WAH SING (0127835644)
Authorized Agent for ING
Email address - a1070ing@gmail.com
Thank you for sharing your valuable time to discuss your financial planning with me. I am convinced that the following plan provided by ING coincided well with your needs and requirements.
In addition to my enthusiasm, I have prepared a plan. “ Three-Gen Retirement Plan” for you. This plan (https://www.ing.com.my/IIBNet/2.0/ING.Application.Web/IIBDefault/product.aspx?target=retirement#) is very importance to your family because it was take care of the future of your family members. You and your descendents deserved to be financial independent and to achieve the retirement goals when you all reach your retirement age.
With this plan, your three generations will be well protected. Upon your retirement, you will receive a consistent retirement income every year and it doesn’t stop there; the plan will continue to provide retirement income for your child and lump sum of funds for your grand-children.
You kill three birds with one stone and
Generate wealth which last for three generations?
I am happy to provide you a yearly review on your plan to make sure it is always up-to date.
Lastly, thank you or your trust and support and wishing you a happy and healthier life forever.
Best Regards.
LAW WAH SING (0127835644)
Authorized Agent for ING
Email address - a1070ing@gmail.com
Friday, March 6, 2009
Well-Planned Retirement Plan
Dear Prospect
As an agent of ING, I want to thank you for giving me this opportunity to provide you a professional financial planning and risk management service.
According to the information provided, we notice that you have the intention to prepare a perfect and secured “ Well-Planned Retirement Plan”. We understand that this plan is very important to you because proper and early financial planning can help you to achieving what you want……It help you organize, plan and manage your finances, and enables you to make structured, as opposed to random decisions for higher chances of success.
You work hard for your money. You wan to save enough for a comfortable retirement. Whenever you can, you look ways to get a little extra to live the life you want without worrying about financial burden and to make your life even more enjoyable.
So you will be pleasantly surprised to learn that now, here is a plan (https://www.ing.com.my/IIBNet/2.0/ING.Application.Web/IIBDefault/product.aspx?target=retirement#) that can help you to achieve you r financial goals by paying you a steady stream of income for life, even when you are no more longer working.
You are the best person to take care of your future. ING and I will always be your side to help your retirement life all you want it to be when you get there.
I am happy to provide you a yearly review on your plan to make sure it is always up-to-date.
Lastly, thank you for your trust and support and wishing you a happy and healthy life forever.
Best Regards,
LAW WAH SING (0127835644)
Authorzed Agent for ING
Wednesday, March 4, 2009
Three Generation Retirement Plan
Dear Prospects
As an agent for ING, I am happy to provide you a professional financial planning and risk management service. I am also good to learn that your parents are taking consideration on the future of the family and plans have been made to avoid unforeseen circumstances on financial issues that may arise.
As discussion with your parents, we understand that your family needs a prefects and secured “Three Generation Retirement Plan”. This plan is very importance to your parents and the family because it will take care of the future of your family members. You and your descendents deserved to be financially independent and to achieve the retirement goals when you all reach your retirement age.
You should be proud of your parents. Your parents will consistently received retirement income from the plan every year, and it’s doesn’t stop there: the plan will continue provide retirement income for you and a lump sum of funds for your children.
I am happy to provide a yearly review with your parents on the plan to make sure it is always up-to date.
Lastly, thank you for all the supports and wishing you happiness, abundance and success in all areas of your life.
Beat Regards
LAW WAH SING - 0127835644
Authorized Agent for ING
As an agent for ING, I am happy to provide you a professional financial planning and risk management service. I am also good to learn that your parents are taking consideration on the future of the family and plans have been made to avoid unforeseen circumstances on financial issues that may arise.
As discussion with your parents, we understand that your family needs a prefects and secured “Three Generation Retirement Plan”. This plan is very importance to your parents and the family because it will take care of the future of your family members. You and your descendents deserved to be financially independent and to achieve the retirement goals when you all reach your retirement age.
You should be proud of your parents. Your parents will consistently received retirement income from the plan every year, and it’s doesn’t stop there: the plan will continue provide retirement income for you and a lump sum of funds for your children.
I am happy to provide a yearly review with your parents on the plan to make sure it is always up-to date.
Lastly, thank you for all the supports and wishing you happiness, abundance and success in all areas of your life.
Beat Regards
LAW WAH SING - 0127835644
Authorized Agent for ING
Tuesday, March 3, 2009
兩代的终生保障
亲愛的Prospect :
我很高兴能有机会代表 为您提供專业之財务策划及风險管理之服务。
你是上天赐予你亲愛的父母亲最珍贵的礼物。 因此， 你的父母亲希望能为你谁备一个周全的(高等教育基金及父母之退休规划)。 这个计划对你来说是非常的重要， 那是因为未来的天空是属于你的； 你的父母亲希望能为你准备足够的教育基金， 让你有机会接受良好的高等教育， 从而为你將來的事业奠定坚固的基。 除此以外，你的父母亲也希望通过此计划为本身的退休作好週详的财务规划， 將来年老退休时生活才更加有保障。
生命中將会有许多美好的事务等待着你在发掘，许多理想也等待着你在追求； 良好的高等教育正是为你开启这美妙世界的钥匙。 当你將来淮入大专学院深造时， 一笔可观的教育基金己谁备就绪以确保你能安心的深造。 除此之外， 若有所需， 此计划也可为你提供一笔可观的基金以确保你能安心的成家立业， 购买房子， 车子， 从而让你开創美好的將来或成为你的創业基金或是你的退休金。
这美好的一切得以实現， 完全要感激 于你是亲愛的父母亲细心的为你打造梦想。
身为你父母亲好友的我， 將与 一同从旁协助你们关确保你们都能拥有美好的將来。
我將定期与你最亲愛的父母亲为你的计划檢讨， 並确保这些梦想都得以实現。
最后， 我要衷心祝福你永远身体健康， 前程似錦。
您最真挚的
LAW WAH SING (0127835644)
Authorised Agent for
我很高兴能有机会代表 为您提供專业之財务策划及风險管理之服务。
你是上天赐予你亲愛的父母亲最珍贵的礼物。 因此， 你的父母亲希望能为你谁备一个周全的(高等教育基金及父母之退休规划)。 这个计划对你来说是非常的重要， 那是因为未来的天空是属于你的； 你的父母亲希望能为你准备足够的教育基金， 让你有机会接受良好的高等教育， 从而为你將來的事业奠定坚固的基。 除此以外，你的父母亲也希望通过此计划为本身的退休作好週详的财务规划， 將来年老退休时生活才更加有保障。
生命中將会有许多美好的事务等待着你在发掘，许多理想也等待着你在追求； 良好的高等教育正是为你开启这美妙世界的钥匙。 当你將来淮入大专学院深造时， 一笔可观的教育基金己谁备就绪以确保你能安心的深造。 除此之外， 若有所需， 此计划也可为你提供一笔可观的基金以确保你能安心的成家立业， 购买房子， 车子， 从而让你开創美好的將来或成为你的創业基金或是你的退休金。
这美好的一切得以实現， 完全要感激 于你是亲愛的父母亲细心的为你打造梦想。
身为你父母亲好友的我， 將与 一同从旁协助你们关确保你们都能拥有美好的將来。
我將定期与你最亲愛的父母亲为你的计划檢讨， 並确保这些梦想都得以实現。
最后， 我要衷心祝福你永远身体健康， 前程似錦。
您最真挚的
LAW WAH SING (0127835644)
Authorised Agent for
Sunday, March 1, 2009
INVESTING WITH A PURPOSE
As our social lifestyle become more sophisticated coupled with increasing cost of living, many of us wished that we have extra cash in hand to ease our financial burden. One way of resorting for more income is by way of investment as an alternative, apart from the conventional method of saving monies in fixed deposit accounts.
Unit trust funds is a collective investment scheme that allow individuals with similar investment objectives to pool their funds together to be invested in securities and fixed income instruments that are managed by professional fund managers. Knowing that your investment is well taken care of gives you the extra times to focus on other important areas in life and more importantly, a peace of mind.
LIFESTYLE
Your lifestyle is a statement of who you are . The holidays that you take , the cars you drive or the home that you live in is an epitome of “Start Living”. In order to live the lifestyle you want, you will need a sound wealth accumulation plan.
Facts about Lifestyle
1. Lifestyle is a pre-determined desire
2. There are short, medium and long term lifestyle goals
3. Money is the means to fund you desired lifestyle
4. You can either fund or borrow to have the lifestyle you want
5. The cost of living escalates every year.
EDUCATION
As parents, it is natural for you to want to provide the best education for your children. With the rising cost of living, you want to ensure that you are financially ready when the children are ready to college. AT ING Funds, we have the solution to help fund your children’s education.
Facts about Education
1. Education is a parental obligation
2. Tertiary education is now a necessity
3. The cost of education escalates every year
4. Tertiary education is one of the heaviest financial burden for many parents
5. A sound education level is a pre-require for meeting the demands of the current jobs
market
RETIREMENT
As employees, most of us plan to retire at the age of 55. Since retirement is inevitable, it is important that you are financially stable so that you can continue to live the life you want even after retirement.
Myths about Retirement
1. My employees provident fund (EPF) will be enough
2. My children will take care of me
3. It is too early to start saving for retirement
4. It is already too late to start saving
5. I can work part time after retirement
FINANCIAL INDEPENDENCE
It is not easy being a woman as someone who needs to juggle work and family obligations. We understand the importance of achieving financial independence that can help realize your dream and see you through difficult times. So start investing now!
Facts about Financial Independence
1. It is never too early to have your financial planned out
2. Being independent means being financial sound
3. Good financial planning equals to stability in life
4. Setting financial goals means taking charge of your life
5. A prudent person will never put all eggs in one baskets
To find out more about how ING can help you to start living the life you want through sound investment plans, you may contact Mr. law at 0127835644 or email to a1070ing@gmail.com.
Unit trust funds is a collective investment scheme that allow individuals with similar investment objectives to pool their funds together to be invested in securities and fixed income instruments that are managed by professional fund managers. Knowing that your investment is well taken care of gives you the extra times to focus on other important areas in life and more importantly, a peace of mind.
LIFESTYLE
Your lifestyle is a statement of who you are . The holidays that you take , the cars you drive or the home that you live in is an epitome of “Start Living”. In order to live the lifestyle you want, you will need a sound wealth accumulation plan.
Facts about Lifestyle
1. Lifestyle is a pre-determined desire
2. There are short, medium and long term lifestyle goals
3. Money is the means to fund you desired lifestyle
4. You can either fund or borrow to have the lifestyle you want
5. The cost of living escalates every year.
EDUCATION
As parents, it is natural for you to want to provide the best education for your children. With the rising cost of living, you want to ensure that you are financially ready when the children are ready to college. AT ING Funds, we have the solution to help fund your children’s education.
Facts about Education
1. Education is a parental obligation
2. Tertiary education is now a necessity
3. The cost of education escalates every year
4. Tertiary education is one of the heaviest financial burden for many parents
5. A sound education level is a pre-require for meeting the demands of the current jobs
market
RETIREMENT
As employees, most of us plan to retire at the age of 55. Since retirement is inevitable, it is important that you are financially stable so that you can continue to live the life you want even after retirement.
Myths about Retirement
1. My employees provident fund (EPF) will be enough
2. My children will take care of me
3. It is too early to start saving for retirement
4. It is already too late to start saving
5. I can work part time after retirement
FINANCIAL INDEPENDENCE
It is not easy being a woman as someone who needs to juggle work and family obligations. We understand the importance of achieving financial independence that can help realize your dream and see you through difficult times. So start investing now!
Facts about Financial Independence
1. It is never too early to have your financial planned out
2. Being independent means being financial sound
3. Good financial planning equals to stability in life
4. Setting financial goals means taking charge of your life
5. A prudent person will never put all eggs in one baskets
To find out more about how ING can help you to start living the life you want through sound investment plans, you may contact Mr. law at 0127835644 or email to a1070ing@gmail.com.
儿童教育计划
儿童教育计划
· 您的孩子的教育对您重要嗎？
· 您嘵得您的孩子的志愿是什么嗎？
· 您知道您需要多少錢来完成孩子的志愿嗎?
· 您为孩子设立了怎样的储蓄计划呢？
· 您目前的资源是否以提供孩子的教育费呢？
· 您是否同意您現在必须开始行动， 才能协助孩子迖成志愿呢？
· 让我们协助您设计一个方案， 好让您的孩子把他们的潜能发挥得淋漓尽致吧！
请联系
Mr. LAW 0127835644
BRIGHTBEAM AGENCY
Suite 26-01, Level 26, Menara MSY Cyberport,
No. 5, Jalan Bukit Meldrum, 80300, Johor Bahru, Johor.
兩代终生保障
秖要为孩子 投资12年, 您將会得到 兩代的终生保障, 並得到長期的收益，此收益如成为：
(1)您的退休基金；
(2)旅遊费用，
(3)孩子的教育基金；
(4)孩子的創业基金；
(5)孩子的婚礼費用；
(6)投资基金；
(7)孩子的退休基金；
(8)也可以视为在產业的投
资, 並每一年得到 租 金
的回報；
(9)以及其他
想瞭解更多的详请， 请联系
Mr. LAW 0127835644
Authorized Agent for ING
BRIGHTBEAM AGENCY
Suite 26-01, Level 26, Menara MSC Cyberport,
No. 5, Jalan Bukit Meldrum, 80300, Johor Bahru, Johor.
我们会專业和親切的为您服務
(1)您的退休基金；
(2)旅遊费用，
(3)孩子的教育基金；
(4)孩子的創业基金；
(5)孩子的婚礼費用；
(6)投资基金；
(7)孩子的退休基金；
(8)也可以视为在產业的投
资, 並每一年得到 租 金
的回報；
(9)以及其他
想瞭解更多的详请， 请联系
Mr. LAW 0127835644
Authorized Agent for ING
BRIGHTBEAM AGENCY
Suite 26-01, Level 26, Menara MSC Cyberport,
No. 5, Jalan Bukit Meldrum, 80300, Johor Bahru, Johor.
我们会專业和親切的为您服務
Monday, February 16, 2009
Monday, February 9, 2009
你是好人嗎？
有人以为作了许多善事一定可以順利進入天堂享福, 沒想到却在天门口被天神擋駕, 要他往人间看，這时他才突然警觉到, 平常太忙於幫助他人, 却疏忽了自己的家人，没有作好妥善的安排，比致於孤兒寡婦然的等善心人士的救濟, 是的， 要作好人好事必先由最親近的家人作起。
Saturday, February 7, 2009
Friday, February 6, 2009
責任篇
人生在世，每个人都有应負起的責任，尤其是一家之主，更是必須照顧–家大小的生活，讓他们无憂无慮的享受幸福美滿的家庭。 這个沉重的責任， 在一切順利的时候， 固然没有問題， 可是在不順利的时候，有誰可以分擔我们的責任呢？ 身为一个貞正負責任的一家之主，如何趁順利的时候作好万金的準備？ 使得家庭经济的責任都在您的掌握之中----------
Thursday, February 5, 2009
保險与儲蓄
保險也是一种儲蓄的方式。 所不同的是，儲蓄只能存多少，领多少，除了利息无别保障。而保險却是保多少，领多少，一旦在儲蓄期间发生事故， 將可穫得完全的保障。無论存了多少錢，都可以领回预期儲蓄的金额(保额)，既然要儲蓄， 何不利用兼具保障能力的儲蓄方式-----保險
Wednesday, February 4, 2009
投资篇
近年來投資理財突然间熱门起来，也不再是企业家的專利，而为每个家庭或个人注目的焦点。就在大家一窩蜂的，比有限金钱追求最高利潤之際，却往往忽略了之而来的风險及其他相关因素，一直到今天情勢逆转景氣不在，才发現资金的安全及家庭的保障，仍是投资理財的最高指導原則。而时间一再證明保險是長期投资的最佳選擇。
Thursday, January 29, 2009
ING MEDICAL CARD
如果您或您的家庭成员被专科医生诊断需要动手术及住院，整个费用大约是RM50,000, 在这种情况下，您将会怎样去面对？
1. 动用个人或家庭成员的储蓄。
2. 动用信用卡，但需要面对偿还卡债及特高利息的烦恼。
3. 向亲戚朋友借用，但有几个亲戚朋友能有能力借给您？
4. 向银行或地下钱庄贷款。
5. 变卖产业 / 股票 / 车辆
如果您不想以上的事项发生在您的身上，为何不用区区每天RM2.00或以下的保费来购买安泰医药卡(IMPLUS), 让您和您的家人可以高枕无忧。
欲知详情，请联络
MR LAW 联络号码019-7733564
1. 动用个人或家庭成员的储蓄。
2. 动用信用卡，但需要面对偿还卡债及特高利息的烦恼。
3. 向亲戚朋友借用，但有几个亲戚朋友能有能力借给您？
4. 向银行或地下钱庄贷款。
5. 变卖产业 / 股票 / 车辆
如果您不想以上的事项发生在您的身上，为何不用区区每天RM2.00或以下的保费来购买安泰医药卡(IMPLUS), 让您和您的家人可以高枕无忧。
欲知详情，请联络
MR LAW 联络号码019-7733564
CanYour Retire?
TRENDS
1. People are living longer - Life expectancy for women is 76 years and men 72;
2. They are marrying and having children later. At retirement age, the childgen are still in
school or university;
3. 70% retirees use up their EPF Money within three years after retiring.
LIVIBG COSTS AND INFLATION
1. Inflation rate is 6% in urban area;
2.3 meals a day at RM20-00 now may cost RM64-00 in 20 years;
3.RM500,0o0 in EPF or bank account for retirement may have the purchasing power of
RM145,053 in 20 years;
4. Medical inflation is 15% each year.
MOST MALAYSIAN DO NOT HAVE FINANCIAL SECURITY
1.Only 5% of Malaysian are prepared for retirement;
2.The said truth is that at 55, most people cannot retire with financial security;
3. Based of EPF 2007 annual report, about 90% of EPF contributors have less than
RM100,000 in their account - not enough to see them through 20 years past retirement.
" NOBODY LIKES TO BE OLD OR POOR, IT IS TERRIBLE TO BE BOTH"
Nobody plan to fail, but they simply failed to plan. We need at plan to assure money in there where we really need it.
" ING SAVING ACCOUNT FOR RETIREMENT + LIFE TIME INCOME"
- ING PREMIER INCOME PLUS 12
(The Plan that lets you earn guaranteed income for the rest of your life)
1. 12 years saving plan to provide individuals such as yourself with a regular source of income up
till the age of 100, so you can live the life you want without worrying about financial burdens
and you can enjoy the protection as well as the income stream up to age 100 yeras.
2. A whole life plan with provide coverage up to age 100. Ir offer a guaranteed annual cash
payment of 6% of your basic sum assured from the end of 12 th policy onwards. With an
affordable premium payable through the policy terms. you can enjoy the protection as well as
the income stream up to age 100.
If you would like to know more details above plan, all you need to do is contact us today at 0197733564, Mr. Law, Financial Services Provider for ING to set up at appointment at your convinence time to understand the full benefits of this plan for you and your family to ensure the the plan fulfills your needs. When you retire, if does not matter how much you earn, what matter most is how much you have saved.
1. People are living longer - Life expectancy for women is 76 years and men 72;
2. They are marrying and having children later. At retirement age, the childgen are still in
school or university;
3. 70% retirees use up their EPF Money within three years after retiring.
LIVIBG COSTS AND INFLATION
1. Inflation rate is 6% in urban area;
2.3 meals a day at RM20-00 now may cost RM64-00 in 20 years;
3.RM500,0o0 in EPF or bank account for retirement may have the purchasing power of
RM145,053 in 20 years;
4. Medical inflation is 15% each year.
MOST MALAYSIAN DO NOT HAVE FINANCIAL SECURITY
1.Only 5% of Malaysian are prepared for retirement;
2.The said truth is that at 55, most people cannot retire with financial security;
3. Based of EPF 2007 annual report, about 90% of EPF contributors have less than
RM100,000 in their account - not enough to see them through 20 years past retirement.
" NOBODY LIKES TO BE OLD OR POOR, IT IS TERRIBLE TO BE BOTH"
Nobody plan to fail, but they simply failed to plan. We need at plan to assure money in there where we really need it.
" ING SAVING ACCOUNT FOR RETIREMENT + LIFE TIME INCOME"
- ING PREMIER INCOME PLUS 12
(The Plan that lets you earn guaranteed income for the rest of your life)
1. 12 years saving plan to provide individuals such as yourself with a regular source of income up
till the age of 100, so you can live the life you want without worrying about financial burdens
and you can enjoy the protection as well as the income stream up to age 100 yeras.
2. A whole life plan with provide coverage up to age 100. Ir offer a guaranteed annual cash
payment of 6% of your basic sum assured from the end of 12 th policy onwards. With an
affordable premium payable through the policy terms. you can enjoy the protection as well as
the income stream up to age 100.
If you would like to know more details above plan, all you need to do is contact us today at 0197733564, Mr. Law, Financial Services Provider for ING to set up at appointment at your convinence time to understand the full benefits of this plan for you and your family to ensure the the plan fulfills your needs. When you retire, if does not matter how much you earn, what matter most is how much you have saved.
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