Girls day out, 2 generations of great friendship!
Satu Malaysia 
together!
together!Absolutely blessed to have them with me since we were 5 years old, and still counting 
2024-10-24
2022-10-16
2022-07-19
2022-07-16
Husband and wife, father and mother, leader and agent, working together everyday, day and night. Work life balance.
No relationship is perfect. It takes time, love, trust, honesty, affection, patience, persistence, perseverance, tolerance, respect, support, compassion, forgiveness, practice, calmness, zen mode uhmmm 🧘🏻♂️🧘🏻♀️ Too many to name. Oh ya, rigor too. Most important is communication and ‘tutup satu mata’ 😉 There are times we go crazy together, lending shoulders and even screaming at each other, work things out together and we definitely need our own ‘ME TIME’ too, ya just go have it. Like it or don’t, he is my choice and I am his choice. Accept it.
Things change in time, we adapt.
(Especially the body shape, ahem *cough cough* and more fine lines on our faces)
2022 half year gone. Time flies. Lost many family and friends in last few years, the most recent one last week was very good friend.. Too many undone, so much unspoken. Sad, but life goes on, keep moving. Many say, we live once. I say no, we die once, we live everyday. Appreciate what you have, who is there with and for you, live life to the fullest! ❤️
Life is too short to overthink, think 3 think 4, just live the life we are given, cherish the time and every moment, do what you want, eat what you want, just go for it. Life is about making a choice, our own. Never say no choice, no choice is also a choice. Just differently. No right wrong, just own choice.
OWTFGFIA, a powerful combination of alphabets I learnt from Asiaworks, and still works.
Thank you for scrolling and reading. Hope my words will spark something in you, inspire you. Gratitude Gracias 🙏🏻 ☺️
“You can’t wait until life isn’t hard anymore before you decide to be happy” ~ Nightbirde
#relationshipgoal #worklifebalance
#appreciation #cherish #gratitude
2022-04-22
This is my most recent medical bill. A 5D4N stay in Gleneagles Hospital KL cost me RM42,885.80
It was not quite expected. I was informed ahead that the bill will cost approximately RM13k-RM34k and it came up almost RM10k extra. Wow terkejut siah! Nasib fully claimed insurance from HLA. Oh well, it’s a 5 Shark Hospital right, opps it’s 5 Star Hospital.
Reason I write is to create awareness about the importance of insurance and how it can ease one’s financial burden. Here’s to also remind everyone who is/are still reading my post, to review all your insurance policies especially your medical plan. It’s up to RM3.5mil annual limit now and will be refreshed every anniversary date. Dah upgrade ke belum? Malaysia healthcare inflation rate is soaring high, ranging 15.3% in 2018, 16.1% in 2019 and 14% in 2020. We don’t know what will happen tomorrow but if medical attention is needed, it can easily cost a bombshell. We prepare an umbrella before it rains, why not a medical policy? Luckily I have one and it helped me to clear my almost RM43,000 bill in time of need 
Ya ya no need so high limit because if can claim RM500k, engine pun almost rosak. I agree, but what if the illness can be cured and prolonged one’s life, so why not? Those who knew, we spent huge amount of money on Kar Wai’s medical treatments. Insurance claims came in handy at that very crucial times, claimed almost RM1mil. Back then 17 years ago, coming out with that amount of money was not easy. But it gave us 3 years more time to spend with him, amazing quality time, experiences and memories before he left.
Long story short, do yourself an overall insurance review, on yearly basis, at least. It’s important to know what you pay for and what you get in total. A lot might say, ya I got a lot of insurance already. Let me ask; you paid a lot or you got a lot or do you know? I can assist you to do a summary. Just let me know, pm tepi, I’m on long MC, I have plenty of free time now. Haha 
Lastly, I wish everyone good health.
Health is wealth. Never ever take it for granted.
Gracias Gratitude
2021-10-20
Being able to do cross-country Malaysia-Macau sharing is totally beyond my imagination. Thank you Anabella, Cash 哥 and Luiz for giving me this opportunity to share my life experience and my journey in insurance industry for more than 11years now, with your team and gratitude for your words of encouragement to my team mates too. I felt absolutely honoured and flattered.
Once again, thank you Anabella for making my sharing globally to Macau; for having me and my team mates too in your meeting. A short zoom meeting which brings 2 different agencies in 2 different countries together! 感恩 🙏🏻❤️
2021-07-26
What's Next
It’s no joke about this pandemic Covid19 that has been going on since March2020. Many have been affected, be it physically, financially, emotionally, mentally etc. Instead of complaining about the world, the government, their efficiency or whatsoever, better we start to live with this. This will be our new normal. We just have to live with the virus in our society now. Keeping social distance and complying to the SOP, having sanitizers in our bags become part of our lives now. So, what’s next?
What inspires me to write is from a conversation with one of my client this morning. Two weeks ago she was diagnosed with lung cancer stage 4. On the phone, she didn’t ‘sound’ sad. She told me she is ok and thanked me for checking her in. She said her oncologist told her that her cancer is curable, telling me not to worry about her. Positive mindset, for once positive is a good thing; unlike the Covid positive. She also told me that she and all of her colleagues have been working from home since God knows when. And one of her colleagues passed away last week because of Covid. Don’t know where he contacted the virus. She also said, nowadays either we die of Covid, or cancer or stress. Did you see the news about the commit suicide cases recently?, she asked. Sigh, it’s sadden me and I become speechless didn’t know how to comfort her in this odd moment.
Some of us may have heard, ah who ah who died of Covid. Yes, me too. My friend’s friend was admitted to ICU due to Delta variant, 2days bye bye. Another friend’s father-in-law died of Covid, couldn’t visit or do any prayers ceremony, only can mourn at home. Sad. A friend’s mom died of Covid, was told the news later after the memorial service, kelam kabut, satu kampung family members have to quarantine. Ok, enough of died died stories.
Another reason I write is to create awareness of the importance of insurance coverage. Have a look on your own policies. Sorry, not a look. A clear and emphasized look please. Does that include any waiver of premium? My client who was diagnosed lung cancer, does not have to pay anymore premium from now on, for the next 55years. Another client had heart disease, his children policies are waived for the next 44years. Ya, you think you have a lot of insurance policies. Think properly again, you have alot or you pay alot ; or you have alot and pay alot? How much alot is alot and enough? Ask your partner, “if I die, this amount enough or not.” Silent. Have a good eye contact. Don’t forget to breathe. I’m not trying to judge or curse or bad mouthed. Prepare before it rains. If well prepared, it’s awesome, make sure all are well documented.
Before I end, jom kita duduk diam-diam di rumah. Hari-hari beribu-ribu cases. Entah sampai bila. Don’t put the blame to who or who, we are not in that position. But I know it’s all start from one person. Me. #stayathome #sendirijagasendiridulu #rakyatjagarakyat
Thank you for taking time to read.. Gracias 🙏🏻
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