Age gracefully :)

I do want to age gracefully. I don't want to look like 35 when I'm not even there yet. I would rather be 25 when I'm 35. Hahaha...anyway, apart from living a healthy lifestyle, eat well, sleep well, exercise well and most importantly feeding spiritually well...

First and foremost, I would love to retire young - at the age of 45. If I want to work, I would do that to just fill my time - but not to struggle for money anymore. I love the book "Retire Young, Retire Rich" - an inspiration for me to retire by 45 years. The principle - let the money work for you. Buy that book if you want to know in details...am not going to explain further here. Hehehe..

Another passion that I have now is insurance. Not many people know the concept of insurance and it's really sad to see some are totally ignorant about it. Insurance is also part of savings/investment - though you would not be able to see the return very soon. I'm looking it as my long term investment - now I'm fit, I'm employed and all my medical benefits enough to cover me and my family. For short period of time - yes, this helps. If I don't get a job here anymore - and what if the company decided to retrench me? Oh well, I still can ride on my husband's benefit. But what about after retirement - when you're not that fit to work anymore, and age is catching up, what if - not that I'm hoping for it - anything happened to me? Tadaaa...that is where you need your insurance for coverage particularly on medical. Therefore, take it while you're still young and energetic, for your premium will increase as you age based on the same sum insured. Now, insurance also have an investment added to the policy - you can also withdraw some money when you need it!!...and what if you suddenly have to leave the world?? Insurance will give your family the total of your sum insured, and if you have an additional investment - it will all be added up. Sometimes, don't be selfish lahh..but also think of the people you're leaving behind especially your children.

Talking about children, it's good to start early and invest on insurance for the little ones too. Most insurance company provide educational plan on top of the medical benefits. Start when they are still young!! In a company like where I'm working now, they only cover children's medical up till 18 years of age, but what happens after 18? Of course we pray that our children are on top of their health all the time - but at least with insurance we could withdraw the money to pay for their education and at the same time they are still covered, and let them just continue paying the premium once they've started working.

Anyway, this may not be applicable for those who think they have a lot of money and can cover for the next few generations. For people like me, I'm digging holes everywhere to save and invest for the future. Like i said, I want to retire by 45...hahaha, lets just hope it happens. :)

I may have approached a few friends with regards to insurance - either for themselves or their children because I do care for them. I'm not an insurance agent, and I don't get a single cent...but I do all these because I want to share and I care. But if any of you needs some opinion on this, feel free to ask me. I can introduce to you an insurance agent too...eheheh. Till then, God bless.