K.Weath Financial Planner

Wishing you and your loved ones a joyous and blessed Hair Raya! May this festive season bring you happiness, prosperity, and beautiful hair days ahead. Selamat Hari Raya!

2023年过了一半 强制自己储蓄的目标有达到了吗！？

也谢谢上半年关注我的几位朋友们已经开始跟我申请储蓄计划！❤️ 未来的你一定会感谢现在的你有准备一笔钱给他花🤣👍

其实放哪里都不是问题因为最主要的是我们有做这动作，我们从小就被灌输储蓄是一种美德，可是往往当我们出来社会工作以后就渐渐的把这动作给忘了💸

世界上有2中人✌️
1️⃣将每个月的薪水先花，有剩才存
2️⃣将每个月的薪水先存一部分，剩下才花
您是那一种人呢❓

到最后也只是想提醒大家记得做储蓄哦~😎
我们也有提供规划储蓄保险的服务哦~🔥🔥

#储蓄计划 #定期存款 #储蓄 #利息

Life insurance is like a basic safety step in your financial plan. It's there to make sure that if something unexpected happens to you, your family will have the money they need to keep going.

Everyone's story has the same end; we just don't know when. That's why having life insurance is smart. It puts a safety net under your family's future.

Think of your money plan like building a house. You wouldn't start with the roof, right? You'd start with a solid foundation. Life insurance is that foundation. It protects your family's future, so you can then focus on growing your savings and sharing it out when the time is right.

Make sure your financial house is built on solid ground. Start with life insurance, and then build up from there.

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观音嬷跟你讲ok 👌 买保险没错🤭

【不买保险，一辈子能省多少钱？】

假若你接触过保险，接触过保险代理人，想必对这句话一定不陌生：不论你买不买保险，都已经投保了，只不过是向保险公司投保，还是向自己的腰包投保；一旦出事，是花保险公司的钱，还是花自己辛苦挣的钱。

有时候，很多人拒绝“买保险”，也许只因为这三条：

第一、不知道保险也是钱，没把保险当成钱（两块钱的存折一直锁着，但20万的保单未必找得到）。

第二、把钱当成命，不知保险是救命钱。

第三、把买保险当花钱，不知道是没事当存钱（存钱，就会觉得越多越好），有事变大钱。

你认为你很聪明的省下了一笔保险费，殊不知事到临头花更多：

日常疾病：感冒、发烧这种小病，进医院，都得花好几百，如果是小孩生病、费用更高。

一般疾病：结石、急性炎症这种类型的，进了医院至少要花好几千，如果需要动手术，可能要好几万。

重大疾病：癌症、突发心脑血管疾病、器官移植这种类型的重大疾病，进医院至少十几万甚至几十万，有些甚至需要上百万。

意外事故：车祸，空难，高空坠物，天灾人祸等，轻者伤残，重者离世，对家人来讲不仅失去了最亲的人，也丧失了最重要的经济来源，这笔账，更大！

而假若，现在，在能承受得经济压力范围内，投保了几百元的意外险；几千元的健康险、寿险等，就能在未来不可知的日子里有一笔确定的金钱！病了有钱治、意外了有钱赔、离世了有钱留......

假若你看到了这篇文章，千万千万别再像这样：

别人在投保，你在偷笑。

别人在交保费，你在到处消费。

别人的保障越来越高，你的身体越来越糟。

年龄大点，都住进了医院。

别人对医生说：用好药吧！多住几天！我有保险！你却暗自伤心，然后对医生说：用一般的药吧，早点出院，我没有保险，没地方报销。

保费永远是挤出来的，风险永远是算不出来的

一件衣服值1000元，小票能证明；

一辆车值30万，发票能证明；

一栋房子值100万，房产证能证明；

一个人值多少钱，只有寿险保单能证明！

一般人是看到才相信，而保险是相信才看到——周润发

人寿保险就是生则安，老则养，病则医，死则恤，愿天下每个家庭拥有幸福的保障！

人寿保险是断炊时的粮食，是沙漠中的泉水，是雨天的伞，是墙角的灭火器。宁可千日不用，不可一日不备。

寿险的六大好处：平时当存钱，有事不缺钱，投资稳赚钱，受益免税钱，破产保住钱，万一领大钱。

人寿保险就是您门上的一把锁，小偷不一定会来，但您还是得锁上。

井，挖的越深，水越清冽；爱，藏得越深，情越甘醇；保险，买得越多，越不后悔。

一家之主如果不投保，则每天都在与命运之神对赌；若赢——一点点的保险费；如输——一家人的幸福。保险让您骄傲地说：我的妻小我照顾。

没有重疾保障的父母，是在透支孩子的明天！ 没有意外保障的父母，是拿孩子幸福做赌注！ 没有养老保险的父母，是在増加孩子的负担！ 保险就是强制的储蓄，万一不幸是雪中送炭！一生健康是锦上添花！天雨虽宽难润无根草！ 佛法虽深难度无缘人，保险虽好不保未买之家！

多数人说：“只要我在，我就照顾你。”投保后可以更大声说：“只要你在， 我就照顾你！”保险使你的爱更实在更长久。保险就是我爱你！

Addressing Malaysia's Healthcare Cost Challenge 🇲🇾🩺

👋 Hello Malaysians! Let's address the pressing issue of escalating healthcare expenses.

🏥 Access to quality healthcare is a fundamental right, but the rising costs are causing financial strain. We must come together to find sustainable solutions for affordable healthcare.

🔍 By advocating for better policies, increased billing transparency, and supporting affordable healthcare initiatives, we can make a difference.

📢 Join the conversation and share your experiences to tackle the healthcare cost challenge. Together, we can ensure every Malaysian has access to affordable and high-quality healthcare.

You can choose not to buy insurance if you meet at least one of the following conditions:

1)You are in good health and rarely get sick. Since health insurance coverage is widespread in our country, if you rarely need medical attention due to good health, your need for insurance is reduced. However, as we age, it becomes essential to consider the future.

2)You are incredibly lucky and have no accidents. Accidents can happen during daily commutes, travel, or even while dining out. It's challenging to guarantee no accidents, even if you are cautious.

3) You have a stable source of income Maintaining a stable income over time is not easy, especially in today's job market. If you can consistently rely on a stable cash flow, you're in a good financial position.

4) Not only are you lucky, healthy, and wealthy, but your family members are as well. In this case, your family is incredibly fortunate, and insurance may not be a priority for you

However, insurance provides protection against unknown risks, and since we're not fortune tellers, we can't predict our future health, job stability, or the overall environment. Risks treat all of us equally, so what can you use to combat these risks

Our parents always used to tell us:

👨‍⚕️ Doctors are like angels, saving lives.

But reality has taught us:

Without the money to cover medical expenses, doctors may not be able to help. 💔

A doctor can diagnose you in just 3 seconds:
"You're sick." 🤒
And that might lead to a lifetime of hard-earned savings being drained away. 😱

When the hospital receptionist asks:
"Do you want to pay with a credit card or a medical card?" 👀

What choice would you make? ❓🤔

In this day and age, everything keeps getting more expensive 📈📈📈, especially healthcare costs.

🔰🔰🔰

In reality, insurance is like our shield, helping us navigate hospital visits and the challenge of being unable to work when we're sick. So, while we still have a choice, let's not allow regrets to become our reality.

⭐️ If you have insurance, you have the confidence to choose the best medical care, providing yourself with top-notch healthcare services. No need for you, your parents, or your children to worry. That's our responsibility.