以前牛市来了熊就走了，熊来了牛就休息了。可是现在万星逆转，牛熊共存。以前黄金可以保值, 股市动荡可以买债券安然度过，现在这些都不一定了。 以前的【克勤克俭】也不一定能够度过这次难关了。  明明产业开始衰落可是偏偏机会越来越多。骗局或机会很难分辨，因为骗子真心以为自己很诚实（尤其是政治）。 这两三年里会一直转变，真真假假分不清楚，也是我们人类思想共同大爆发的年代。学的越快，实践越多的人就比较有机会超越了。   . This article is posted on ~~~ malpf.com ..read more

Since SunLife turns out to be the MOST useful online life insurance, let's take a look at what they offers.  It is a gem in term life category and I predict they maybe taken down soon so make your own move and judgement fast! SunLife offers 3 plans (each with Takaful option) Life Top 3 Critical Illness - Heart Attach, Stroke and Cancer Hospitalisation income eSsential Life is FANTASTIC especially for up to age 39 where they covers up to RM 653 for every RM 1 premium paid.  Value of money starts to normalise age 50 onwards where cover ratio is 151.  So for young people who bel ..read more

 In contrast to the web search, the mobile search on Malaysia Life Insurance yield a different results; Great Eastern AIA Sunlife Etiqa Prudential Allianz Manulife AXA HLA As some have already been covered in Top 5 Web Seach, here we will cover the other 4 in red Sunlife 1st shows online insurance, talk to someone or login.  A good mobile top view.  If someone miss that, the subsequent is a drop down box linking to calculator, enquiry, buy online and agents enquiry which I think is also great.  Below that is a lifeline highlighting what your main concerns might be if yo ..read more

A search on Malaysia Life Insurance on Oct 2021 shows the following insurance companies on 1st page search result (excluding portals and independant organizations);  AIA - Etiqa - Great Eastern - AXA - Allianz.  Interesting list and let's see which is most approachable in digital world. Most have a good landing page direct to the sub topic Life Insurance implying all have good wareness on digital world.  Most of the plan names are also too arbituary does not assist selection easily.  There is no consistency in term of the name used in their plans. AIA AIA goes straight ..read more

 A search on "Malaysia Life Insurance" results below on page 1; AIA Etiqa Great Eastern Axa Allianz AIA PRO CON direct landing page to sub topic shows good awareness on digital world straight to the point - budget and coverage which links to a planner to help choose at least have filters - takaful or non takaful could be useful filters only have neweset, popular;  Not really useful and no further assistance to furter understand their offer categories life protection planner links from budget & coverage doesn't work in Edge browser, drop down of industry doe ..read more

Pardon the long silence   ...   A lot had happened other than Covid19 pandemic.  After 21 years marriage my spouse decided to join heaven, had a 9 months stroke and left last year.  Despite being a master planner, it still took a hit myself.  Despite bounce back in no time, my soul still left a dent. As age catches up, I found myself left out by the technology era.  Does blog still valid ?  Has youtube formula matured up or still evolving ?  Is it time to wind down American eco system and start to adopt China's era tech ? I still have a lot ..read more

In 21st century it is hard to distinguish a financial goal by traditional means; are you investing? trading(speculating)? or just don't want to be left out in Modern Economy?   Are you protecting your assets(insurance), saving your "money" or are you investing ?  What are Modern Economy and what does blockchain got to do with it?   Sounds like too many questions to digest at one time, below is just one of the simple summaries (but some may take months/years to digest) Modern Economy has moved beyond countries, banks and governance.  Most of the digital finance ..read more

The following shows a list of a few currency compare to Malaysia Ringgit.  Basically the higher the graph the better it is for the Malaysian - "I can get more of their money with my money." In short ...  For those who earn Malaysia Ringgit, its good to go spend in USA and Indonesia.  On the other hand, those who are working in China and Singapore are laughing when spending their money back in Malaysia. USA Australia China Indonesia Philippine Singapore Thailand You can investigate more yourself by visiting to xe.com . This article is posted on ~~~ malpf ..read more

Not entirely TRUE in all aspects but nevertheless a great quote  The Amount of Money in your bank at the time you Died . . .  is the EXTRA work you did that wasn't Necessary . This article is posted on ~~~ malpf.com ..read more

Have you ever been approached by investment opportunity on a piece of land oversea ? It usually goes like this ... Land is limited, population is growing.  So investing on land is a low risk high return opportunity;  Especially on an island . . . but why oversea and how its a better investment ? more structure and well organized land & property legislation  With better laws in foreign country, one can be more assured in his land investment is being protected in terms of benefits and interest safe guards compare to your own country which may otherwise affected by croni ..read more