It’s not ‘my’ or ‘your’ money. It’s ‘our family’ money.
–
I need to make money to live. Many think “I need to live to make money.”
–
Don’t always put money on one side of your balance. It is far better to put an event against another event.
–
I heard this long ago: “If your problem can be solved by money, it’s not a problem.” So, I will make sure all my problems in life are ‘money problems’. | 2007
–
Saving through insurance. Does it work? | 2002
–
‘Expect’ or ‘Expected’ are irresponsible words unless we don’t die. | 05/2002
–
‘Be patient’ is best used if we don’t die. | 200204
–
If everything (including life) can be planned, we don’t need God. | 2002
–
If everything (including life) can be planned, where is, what is, who is, when we need, why we need, how do we need, which is… God? | 2002
–
So what it’s ‘freehold’ if I can’t ‘hold-it-freely’? | 200009
–
What is property? | 1999
–
How to define ‘upgrade of property’? | 1999
–
How to define ‘upgrade’?
–
If ‘Time is money’ why are we NOT making time? | 1999
–
You can compare ‘quotes’ but you can’t compare ‘integrity’. | 1999
–
At first, he will say ‘long term planning/investment’. Few days/weeks/months later, he will ask you to drop and re- invest again. You have lost not only money, but also lost time/life. | 1997
–
To test a FP, ask him to show you what he has bought for himself.
–
Can insurance solve ‘old age savings’ problems? | 2002
–
Both prism are of same volume. Their 3 edges = Investment, Insurance, Savings. Which is more stable: the one sits on the base or the one stands on its shape point?
–
Saving a bit less, but create immediate estate of higher amount.
–
SP ILP for retirement planning is a pure BS. | 200009
–
Which is worse: family without savings or family without investment? | 200709
–
Which is worse: family without savings/investment or family without insurance?
–
At the end, the one who invests borrows money for the one who saves.
–
Life style can be adjusted. Medical bill can’t. | 2001
–
After one ‘upgraded’ his house, anyone noticed any other things that has been ‘downgraded’? | 1998
–
Will someone sponsor a survey on ‘How many people are (honestly) happier after they ‘upgraded’ their house.’? | 2002
–
Give $1K to kid to save. One day he will spend this money and claims that he has never spent a single cent of parent’s money.
–
I discovered WL and CI should go hand-in- hand in 1993. | 1993
–
ILP looks good. Traditional plan is good. | 2002
–
If you realise your commitment tomorrow is lighter than today, I’ll give you a policy free. | 1993
–
We work so hard. But actually who’s making the money – it’s we or our next generation? | 200208
–
It doesn’t matter you use it or you save it – at the end, it owns us. That’s money. | 2000
–
If God only made one mistake – that must be money. Not woman. | 2002
–
Without savings is bad, without insurance is worse, without BOTH is ‘I don’t know what.’ | 1993
–
Can’t afford a trip is never worse than can’t afford a medical bill. | 1999
–
What returns are you talking about? $100 becomes $102 or $100 becomes $100,000? | 1993
–
It’s easier to find a loving couple when it’s a bull market than in a bear market.
–
Which returns? The interest you earn (or lose) or your family relationship? | 1995
–
For those who just believe in savings: you hope this day won’t come that you will feel lousy when you have to foot your medical bills with your own savings. | 1999
–
Savings = Accumulation of wealth + Prevention of loss/wastage. | 1995, this coincides with dictionary’s definition.
–
It’s not ‘how many policies’, but it’s ‘how much sum assured, which type, how long’ that counts. | 1993
–
To understand and to buy insurance, you need ONLY LOVE.
–
From 2000, who is talking louder – God or FP? | 200009
–
Ask a FP, every time is a good time to buy their fund.
–
All want to buy insurance. Most end up only buy policy.
–
People ask you ‘How much you earn NOT how much you spend’.
–
People ask you ‘how much you save NOT how much you do charity.’ No wonder we love to EARN and SAVE. | 11/2000
–
Spendthrift is a habit. So is thrifty. I only don’t know which is the right habit. | 200107
–
‘Money is from God’ is the best way to educate your kids when money is concerned. | 2000
–
When you are rich, remember both God and Satan can make you rich. When you are broke, remember both God and Satan can make you broke. Most people think it was God who made them rich and it was Satan who broke them.
–
When we buy insurance, ‘Insurance’ comes before ‘Savings’. So is FP, ‘Family Planning’ should come before ‘Financial Planning.’ | 200710
–
Everyone has fear. FP is good at manipulating people’s fear. They live on it.
–
I have seen family gave up ‘insurance’ for ‘investment’. How many family is going to be ruined by FP than benefit from it? | 2001
–
Many FP get rich by manipulating fear and greed, yet we worship them like god.
–
A Family Planner will take care of your FP, but a FP hardly takes care of your family planning. | 200110
–
Many families thought they needed Financial Planning when what they actually needed was a Family Planning. | 10/2007
–
Many family do FP forgetting the other FP- Family Planning. | 200710
–
No fund manager or the marketing agent will admit that what they concern most is the Fund SIZE, not the Fund PRICE. | 200110
–
Difference between a FP and an Insurance Agent? FP don’t attend wakes/funerals.
–
There are (insurance/investment) plans that are good and there are plans that look good. | 200203
–
Sometimes, being poor maybe a big blessing (from God) – you spend more time with your family. | 2007
–
Every salesman can sell you what you want. It takes a good salesman to sell you what you need. | 200710
–
It is supposed to be ‘Retirement Planning’, but many are ‘waiting’ or ‘dreaming’ or ‘blaming’. | 2007
–
You can plan but cannot wait, or dream for retirement.
Is ‘retirement’ in the Bible? | 2002
–
‘How long is long term?’ and ‘How medium is medium term?’ | 2000
–
Your investment is ‘medium to long term’. My commission is ‘immediate’. | 2000
–
I don’t prostitute because it’s wrong to do so. How about if I ‘ask’ somebody to do it for a commission? | 2000
–
Any difference between a pimp and a fund salesman? | 200203
–
There are so many proof that we don’t need Investment. There is no proof that we don’t need Insurance.
–
One is worse without savings. But he is better off that those without insurance.
–
‘No savings’ can never be worse than ‘No insurance.’
–
Beware of people asking you ‘What car you drive?’ or ‘What type of house you stay?’ They just don’t care how much allowance you give your parents, or how many children you have, or what charity you do, or even your medical condition, etc. | 200011
–
Most of us believe ‘money is never enough’. That means it’s always ‘too little’. That means whenever there is a money problems, it’s always because ‘money not enough’. But I choose to believe all money problems we have in life is half due to ‘too little’ and the other half due to ‘too much’. | 200710
–
The difference between a FP and a IM? IM attends funerals and visits hospitals. | 200207
–
It’s always ‘Good time to buy.’ When it’s newly launched, it must be a good fund managed by a good fund manager, and so IGTTB. When it goes up to $1.40, it’s going up, and so IGTTB. When it does down to $0.40, it was $1.40, and so IGTTB. | 200109
–
It’s of not much meaning to say ‘Be patient.’ unless we don’t die. | 200110
–
‘Medium to long term’ is the Champion phrase used by FP, but only when you are losing money. When if the price goes up in ‘short’ term, they will ask you to sell. | 200108
–
FP don’t buy, but they sell.
–
Ask FP if they buy what they are selling. Ask how much they have bought if they do.
–
One FP says UT is ‘not to see, don’t monitor, just buy and leave it alone’, another FP says UT is ‘you must monitor your portfolio, no good then switch if you need to’. Both are FP. They say what they say to solve their agenda. | 2000
–
When UT is newly launched, they use 15% returns. When it drops by 50%, they still use 15%. I thought it should be higher? Watch out! | 2002
–
We seldom see people throw rotten eggs, paints, or rubbish on FP, FengSui, fortune teller, analyst. But we see them receive hongbao for what they ‘accidentally’, ‘blindly’ struck.
–
FP is using ‘Fear’ that may not happen. IM is using ‘Fear’ that must happen – only when. | 200207
–
There are 2 kinds of returns – $100 becomes $103, and the other $100 becomes $100,000.
–
It’s not how many policies or how much the premium, it’s how much protection, what kind, how long your protection you have.
Who is supporting who? The clients support the agents, or the agents support the family of the clients?
–
Claims is an arts, not a science.
–
You may not have a dependant. You may be a dependant. | 200207
–
I’m an expert in insurance. The rest are just FP. | 200208
–
Investment is science. Insurance is arts. | 200208
–
Investment is machine-made. Insurance is man-made. | 200208
–
FP is a generalist. Insuranceman is an expert. | 200208
–
There is lousy investment. There is NO lousy insurance (only inappropriate). | 200209
–
Some products/plans do not ‘cure’ problem. They ’cause’ problem. | 200209
–
The one who really saved for ‘retirement income’ will likely not to spend fearing of ‘retirement outgo’.
–
The one who really travels often during retirement likely because of ‘retirement income’, not ‘retirement savings/fund’. | 200803
–
Thank God we don’t have to make the decision to buy our own coffin. We may buy it at the wrong price. | 2002
–
A lot of parents are believing that saving money for kids’ education is the most important thing for both – the parents and the kid.
–
Do you go to eye specialist for heart problem? Then why go the bank for insurance, and to insurance agent for investment? || 2002
–
Some people are just confused – they think all doctors start with Dr. (go to above quotes)
–
At some point, you will boast about how much money you can spend, until another point, you will boast about how much money you can save. | 2004
–
At some point, your happiness comes from ‘how much money you can spend’, until another point, your happiness comes from ‘how much money you can save’. | 2004
–
When you need protection (by insurance), do you want a ‘freehold’ one or a ‘leasehold’ one? | 200211
–
When a fund seller telling you how good (performance) his fund was is like telling you how good his wife was. Our life depends on future and start today. | 200210
–
After the ‘financial planning’ was launched, people equate it with ‘life planning’. | 200210
–
FP = Financial Planning or Family Planning. Or, Financial Planning = Family Planning? | 200210
–
Family breaks not because of lack of ‘financial planning’. It’s lack of ‘family planning’. | 200210
–
One phrase alone has made many FPs, real estate agents, remisers, fund managers, car dealers… rich. The phrase is ‘Good time to buy.’ | 200210
–
Experts love to say now is recession, crisis, etc. as though before this it is normal. But I’d think now it’s normal. What happened before this is abnormal (jia xiang). | 200211
–
If you have $1 (100cents), put 20cents into insurance, 80cents invest. If 80cents becomes 160cents, sell it you make 80cents, and you still have 20cents + insurance. But if you start with 100cents investment, when it becomes 200cents, you sell it but no peace because you have no insurance. Even you cash out 160cents left with 40cents, you still have no peace because you have no insurance. | 200212
–
I stay-put with traditional plan not only I did not create mistake, but also stay and wait to solve problems created by ILP. | 200212
–
The sweetness of getting a few thousands dollars more in the maturity value (than a WL plan) of a EDM plan can never equal the bitterness of having low S.A. now and future. | 200301
–
Why save for rainy days when you can insure your rainy days? | 2003
–
Can your ‘saved rainy days’ do what the ‘insured rainy days’ do? | 200804
–
The FP today is telling us as if ‘retirement’ is the only thing we need to worry today.
–
We don’t only worry about ‘retirement’, but there also many other things as well. | 2003
–
Think about it: you earn a lot therefore you own a lot. Or, you own a lot therefore you earn a lot. | 200408
–
Fund prospectus are like all orbituary – they are only good things to talk about. | 200409
–
They are supposed to sell to your needs. But it’s faster and easier to sell to your greed. | 200409
–
We used to believe the only money machine at home is the bread- winner. Now we have the computer. | 200501
–
They claim their funds are managed by top ‘pros’. And then, we continue to see them sacking/replacing those top ‘pros’ by other also called top ‘pros’. All are top ‘pros’. Where is our basic wisdom? | 200501
–
Why everyone looks for Financial Planning (FP) while forgetting Family Planning (another FP)? | 2000
–
Other schemes, investment, MLM, Time Share, etc, are talking about ‘may or may not happen’. My job is about ‘must happen.’ | 2002
–
First, ILP was meant to be “Investment-Linked Plan’. When the market worsened, they changed it to “Inflation-Linked Plan”. It’s still called ILP. Smart! | 200807
–
After ‘retirement planning’ concept was introduced, it seems like many of them understood what it was. But in reality, most of them are doing ‘retirement waiting’ and ‘retirement dreaming’. | 2008
–
If you need insurance, go to insurance man. Do not go to a bank to buy insurance, or talk to a fund manager about insurance. You are doing it all wrong. In both cases, all the ‘sellers’ keep quiet.
–
In 1998, I was sad and surprised to see that people believed there was such thing called ‘Financial Planner’. Now in 2008 and we are in financial crisis, I am more sad and surprised to see that people calling in ‘Financial Planner’ to assess their ‘Financial Planner’. | 200810
–
I said that before, most of the people are doing ‘Financial Dreaming’ and ‘Financial Waiting’. Now, someone else has suggested ‘Financial Hoping’. | 200810
–
After the 2008 financial crisis, I hope that people will realise even though ‘Financial Planning’ sounds real and good, ‘Financial Planners’ are not. | 200810
–
‘Financial Planning’ is the right thing. All problems start when we talk to ‘Financial Planners’.
–
‘Financial Planning’ makes more ‘Financial Planners’ richer than it makes for ‘The Plannees’.
–
We all know what money can do FOR us. Are we aware what money can do TO us?
–
Money can do many things for us. Therefore, we do many things for money. | 2011
–
From the beginning, the investment institutions used ‘projected’, ‘expected’, ‘targeted’, ‘predicted’… on their returns. At the end, most
–
We all know what money can do FOR us. But few are aware what money can do TO us.
–
LaoGOH Wisdom
~ on Finances & Money
It’s not ‘my’ or ‘your’ money. It’s ‘our family’ money.
–
I need to make money to live. Many think “I need to live to make money.”
–
Don’t always put money on one side of your balance. It is far better to put an event against another event.
–
I heard this long ago: “If your problem can be solved by money, it’s not a problem.” So, I will make sure all my problems in life are ‘money problems’. | 2007
–
Saving through insurance. Does it work? | 2002
–
‘Expect’ or ‘Expected’ are irresponsible words unless we don’t die. | 05/2002
–
‘Be patient’ is best used if we don’t die. | 200204
–
If everything (including life) can be planned, we don’t need God. | 2002
–
If everything (including life) can be planned, where is, what is, who is, when we need, why we need, how do we need, which is… God? | 2002
–
So what it’s ‘freehold’ if I can’t ‘hold-it-freely’? | 200009
–
What is property? | 1999
–
How to define ‘upgrade of property’? | 1999
–
How to define ‘upgrade’?
–
If ‘Time is money’ why are we NOT making time? | 1999
–
You can compare ‘quotes’ but you can’t compare ‘integrity’. | 1999
–
At first, he will say ‘long term planning/investment’. Few days/weeks/months later, he will ask you to drop and re- invest again. You have lost not only money, but also lost time/life. | 1997
–
To test a FP, ask him to show you what he has bought for himself.
–
Can insurance solve ‘old age savings’ problems? | 2002
–
Both prism are of same volume. Their 3 edges = Investment, Insurance, Savings. Which is more stable: the one sits on the base or the one stands on its shape point?
–
Saving a bit less, but create immediate estate of higher amount.
–
SP ILP for retirement planning is a pure BS. | 200009
–
Which is worse: family without savings or family without investment? | 200709
–
Which is worse: family without savings/investment or family without insurance?
–
At the end, the one who invests borrows money for the one who saves.
–
Life style can be adjusted. Medical bill can’t. | 2001
–
After one ‘upgraded’ his house, anyone noticed any other things that has been ‘downgraded’? | 1998
–
Will someone sponsor a survey on ‘How many people are (honestly) happier after they ‘upgraded’ their house.’? | 2002
–
Give $1K to kid to save. One day he will spend this money and claims that he has never spent a single cent of parent’s money.
–
I discovered WL and CI should go hand-in- hand in 1993. | 1993
–
ILP looks good. Traditional plan is good. | 2002
–
If you realise your commitment tomorrow is lighter than today, I’ll give you a policy free. | 1993
–
We work so hard. But actually who’s making the money – it’s we or our next generation? | 200208
–
It doesn’t matter you use it or you save it – at the end, it owns us. That’s money. | 2000
–
If God only made one mistake – that must be money. Not woman. | 2002
–
Without savings is bad, without insurance is worse, without BOTH is ‘I don’t know what.’ | 1993
–
Can’t afford a trip is never worse than can’t afford a medical bill. | 1999
–
What returns are you talking about? $100 becomes $102 or $100 becomes $100,000? | 1993
–
It’s easier to find a loving couple when it’s a bull market than in a bear market.
–
Which returns? The interest you earn (or lose) or your family relationship? | 1995
–
For those who just believe in savings: you hope this day won’t come that you will feel lousy when you have to foot your medical bills with your own savings. | 1999
–
Savings = Accumulation of wealth + Prevention of loss/wastage. | 1995, this coincides with dictionary’s definition.
–
It’s not ‘how many policies’, but it’s ‘how much sum assured, which type, how long’ that counts. | 1993
–
To understand and to buy insurance, you need ONLY LOVE.
–
From 2000, who is talking louder – God or FP? | 200009
–
Ask a FP, every time is a good time to buy their fund.
–
All want to buy insurance. Most end up only buy policy.
–
People ask you ‘How much you earn NOT how much you spend’.
–
People ask you ‘how much you save NOT how much you do charity.’ No wonder we love to EARN and SAVE. | 11/2000
–
Spendthrift is a habit. So is thrifty. I only don’t know which is the right habit. | 200107
–
‘Money is from God’ is the best way to educate your kids when money is concerned. | 2000
–
When you are rich, remember both God and Satan can make you rich. When you are broke, remember both God and Satan can make you broke. Most people think it was God who made them rich and it was Satan who broke them.
–
When we buy insurance, ‘Insurance’ comes before ‘Savings’. So is FP, ‘Family Planning’ should come before ‘Financial Planning.’ | 200710
–
Everyone has fear. FP is good at manipulating people’s fear. They live on it.
–
I have seen family gave up ‘insurance’ for ‘investment’. How many family is going to be ruined by FP than benefit from it? | 2001
–
Many FP get rich by manipulating fear and greed, yet we worship them like god.
–
A Family Planner will take care of your FP, but a FP hardly takes care of your family planning. | 200110
–
Many families thought they needed Financial Planning when what they actually needed was a Family Planning. | 10/2007
–
Many family do FP forgetting the other FP- Family Planning. | 200710
–
No fund manager or the marketing agent will admit that what they concern most is the Fund SIZE, not the Fund PRICE. | 200110
–
Difference between a FP and an Insurance Agent? FP don’t attend wakes/funerals.
–
There are (insurance/investment) plans that are good and there are plans that look good. | 200203
–
Sometimes, being poor maybe a big blessing (from God) – you spend more time with your family. | 2007
–
Every salesman can sell you what you want. It takes a good salesman to sell you what you need. | 200710
–
It is supposed to be ‘Retirement Planning’, but many are ‘waiting’ or ‘dreaming’ or ‘blaming’. | 2007
–
You can plan but cannot wait, or dream for retirement.
Is ‘retirement’ in the Bible? | 2002
–
‘How long is long term?’ and ‘How medium is medium term?’ | 2000
–
Your investment is ‘medium to long term’. My commission is ‘immediate’. | 2000
–
I don’t prostitute because it’s wrong to do so. How about if I ‘ask’ somebody to do it for a commission? | 2000
–
Any difference between a pimp and a fund salesman? | 200203
–
There are so many proof that we don’t need Investment. There is no proof that we don’t need Insurance.
–
One is worse without savings. But he is better off that those without insurance.
–
‘No savings’ can never be worse than ‘No insurance.’
–
Beware of people asking you ‘What car you drive?’ or ‘What type of house you stay?’ They just don’t care how much allowance you give your parents, or how many children you have, or what charity you do, or even your medical condition, etc. | 200011
–
Most of us believe ‘money is never enough’. That means it’s always ‘too little’. That means whenever there is a money problems, it’s always because ‘money not enough’. But I choose to believe all money problems we have in life is half due to ‘too little’ and the other half due to ‘too much’. | 200710
–
The difference between a FP and a IM? IM attends funerals and visits hospitals. | 200207
–
It’s always ‘Good time to buy.’ When it’s newly launched, it must be a good fund managed by a good fund manager, and so IGTTB. When it goes up to $1.40, it’s going up, and so IGTTB. When it does down to $0.40, it was $1.40, and so IGTTB. | 200109
–
It’s of not much meaning to say ‘Be patient.’ unless we don’t die. | 200110
–
‘Medium to long term’ is the Champion phrase used by FP, but only when you are losing money. When if the price goes up in ‘short’ term, they will ask you to sell. | 200108
–
FP don’t buy, but they sell.
–
Ask FP if they buy what they are selling. Ask how much they have bought if they do.
–
One FP says UT is ‘not to see, don’t monitor, just buy and leave it alone’, another FP says UT is ‘you must monitor your portfolio, no good then switch if you need to’. Both are FP. They say what they say to solve their agenda. | 2000
–
When UT is newly launched, they use 15% returns. When it drops by 50%, they still use 15%. I thought it should be higher? Watch out! | 2002
–
We seldom see people throw rotten eggs, paints, or rubbish on FP, FengSui, fortune teller, analyst. But we see them receive hongbao for what they ‘accidentally’, ‘blindly’ struck.
–
FP is using ‘Fear’ that may not happen. IM is using ‘Fear’ that must happen – only when. | 200207
–
There are 2 kinds of returns – $100 becomes $103, and the other $100 becomes $100,000.
–
It’s not how many policies or how much the premium, it’s how much protection, what kind, how long your protection you have.
Who is supporting who? The clients support the agents, or the agents support the family of the clients?
–
Claims is an arts, not a science.
–
You may not have a dependant. You may be a dependant. | 200207
–
I’m an expert in insurance. The rest are just FP. | 200208
–
Investment is science. Insurance is arts. | 200208
–
Investment is machine-made. Insurance is man-made. | 200208
–
FP is a generalist. Insuranceman is an expert. | 200208
–
There is lousy investment. There is NO lousy insurance (only inappropriate). | 200209
–
Some products/plans do not ‘cure’ problem. They ’cause’ problem. | 200209
–
The one who really saved for ‘retirement income’ will likely not to spend fearing of ‘retirement outgo’.
–
The one who really travels often during retirement likely because of ‘retirement income’, not ‘retirement savings/fund’. | 200803
–
Thank God we don’t have to make the decision to buy our own coffin. We may buy it at the wrong price. | 2002
–
A lot of parents are believing that saving money for kids’ education is the most important thing for both – the parents and the kid.
–
Do you go to eye specialist for heart problem? Then why go the bank for insurance, and to insurance agent for investment? || 2002
–
Some people are just confused – they think all doctors start with Dr. (go to above quotes)
–
At some point, you will boast about how much money you can spend, until another point, you will boast about how much money you can save. | 2004
–
At some point, your happiness comes from ‘how much money you can spend’, until another point, your happiness comes from ‘how much money you can save’. | 2004
–
When you need protection (by insurance), do you want a ‘freehold’ one or a ‘leasehold’ one? | 200211
–
When a fund seller telling you how good (performance) his fund was is like telling you how good his wife was. Our life depends on future and start today. | 200210
–
After the ‘financial planning’ was launched, people equate it with ‘life planning’. | 200210
–
FP = Financial Planning or Family Planning. Or, Financial Planning = Family Planning? | 200210
–
Family breaks not because of lack of ‘financial planning’. It’s lack of ‘family planning’. | 200210
–
One phrase alone has made many FPs, real estate agents, remisers, fund managers, car dealers… rich. The phrase is ‘Good time to buy.’ | 200210
–
Experts love to say now is recession, crisis, etc. as though before this it is normal. But I’d think now it’s normal. What happened before this is abnormal (jia xiang). | 200211
–
If you have $1 (100cents), put 20cents into insurance, 80cents invest. If 80cents becomes 160cents, sell it you make 80cents, and you still have 20cents + insurance. But if you start with 100cents investment, when it becomes 200cents, you sell it but no peace because you have no insurance. Even you cash out 160cents left with 40cents, you still have no peace because you have no insurance. | 200212
–
I stay-put with traditional plan not only I did not create mistake, but also stay and wait to solve problems created by ILP. | 200212
–
The sweetness of getting a few thousands dollars more in the maturity value (than a WL plan) of a EDM plan can never equal the bitterness of having low S.A. now and future. | 200301
–
Why save for rainy days when you can insure your rainy days? | 2003
–
Can your ‘saved rainy days’ do what the ‘insured rainy days’ do? | 200804
–
The FP today is telling us as if ‘retirement’ is the only thing we need to worry today.
–
We don’t only worry about ‘retirement’, but there also many other things as well. | 2003
–
Think about it: you earn a lot therefore you own a lot. Or, you own a lot therefore you earn a lot. | 200408
–
Fund prospectus are like all orbituary – they are only good things to talk about. | 200409
–
They are supposed to sell to your needs. But it’s faster and easier to sell to your greed. | 200409
–
We used to believe the only money machine at home is the bread- winner. Now we have the computer. | 200501
–
They claim their funds are managed by top ‘pros’. And then, we continue to see them sacking/replacing those top ‘pros’ by other also called top ‘pros’. All are top ‘pros’. Where is our basic wisdom? | 200501
–
Why everyone looks for Financial Planning (FP) while forgetting Family Planning (another FP)? | 2000
–
Other schemes, investment, MLM, Time Share, etc, are talking about ‘may or may not happen’. My job is about ‘must happen.’ | 2002
–
First, ILP was meant to be “Investment-Linked Plan’. When the market worsened, they changed it to “Inflation-Linked Plan”. It’s still called ILP. Smart! | 200807
–
After ‘retirement planning’ concept was introduced, it seems like many of them understood what it was. But in reality, most of them are doing ‘retirement waiting’ and ‘retirement dreaming’. | 2008
–
If you need insurance, go to insurance man. Do not go to a bank to buy insurance, or talk to a fund manager about insurance. You are doing it all wrong. In both cases, all the ‘sellers’ keep quiet.
–
In 1998, I was sad and surprised to see that people believed there was such thing called ‘Financial Planner’. Now in 2008 and we are in financial crisis, I am more sad and surprised to see that people calling in ‘Financial Planner’ to assess their ‘Financial Planner’. | 200810
–
I said that before, most of the people are doing ‘Financial Dreaming’ and ‘Financial Waiting’. Now, someone else has suggested ‘Financial Hoping’. | 200810
–
After the 2008 financial crisis, I hope that people will realise even though ‘Financial Planning’ sounds real and good, ‘Financial Planners’ are not. | 200810
–
‘Financial Planning’ is the right thing. All problems start when we talk to ‘Financial Planners’.
–
‘Financial Planning’ makes more ‘Financial Planners’ richer than it makes for ‘The Plannees’.
–
We all know what money can do FOR us. Are we aware what money can do TO us?
–
Money can do many things for us. Therefore, we do many things for money. | 2011
–
From the beginning, the investment institutions used ‘projected’, ‘expected’, ‘targeted’, ‘predicted’… on their returns. At the end, most
–
We all know what money can do FOR us. But few are aware what money can do TO us.
–
There is ONLY one kind of people talks very loud – the one that has POWER. There are only TWO ways to have power – be very intelligent or be very rich. | 201210
–
When someone talks very loud, he is either powerful or he is feeling inferior.
–
After the 2008 financial crisis, they sent the financial planner to check on another financial planner to make sure things are in order.
–
Money is not the problem. The problem is no money.
–
Your ‘good time to buy’ is likely someone’s ‘bad time to sell’. Should you feel happy about it?
–
All of us know what money can do FOR us. Only a few see what money can do TO us. | 2011
–
