12 Days Of Christmas (Indian Version) - Very Funny le...

Unmerited Favor Book Introduction by JOSEPH PRINCE

Unmerited Favor Book by JOSEPH PRINCE (Worldwide Release on 2 Feb 2010)

$1,000,000 of LIFE INSURANCE

Why do you need $1,000,000 of Life Insurance?

Many people will never earn $1M, so why do we even think of having $1M of life insurance? I can imagine the smirk on your face right now.

Well, if you really want to know why, please read on...

There are many reasons why people do not see the need because of their self limiting beliefs and past experience (bad) with insurance agents.

They "think" ...

1) It will be very expensive to buy this insurance!
2) It is unnecessary and redundant.
3) My spouse will kill me for the money.
4) My kids will anger me to death as soon as possible.
5) The insurance company will not pay and give all sorts of excuses.
6) I am not worth a million bucks!
7) Why do I need $1M after I am gone? I am single and without a family!
8) I am already a multi millionaire, so I don't need a $1M insurance policy.
9) I don't care and I am not interested, "die die lor..."
10) I trust God, I do not need any insurance.

My answers will be revealed to you when we meet... : ) 

Why You Need A Good Hospitalisation and Outpatient Expenses Insurance Plan

Most Singaporeans would have heard of this phrase spoken during coffeeshop talk:

"Singaporeans cannot afford to be sick, it is better to dead!!!" Most would have nodded their heads in agreement... Why?

It is because their experience with hospitals and medical specialists were that it cost them an arm and a leg after visiting them. They saw expensive European cars parked outside the private hospitals and these cars usually belonged to the surgeons and doctors at the hospitals.

Their CPF Medisave as well as their children's were usually depleted after a long and serious illness or a bad accident. Bank accounts were wiped clean plus family squabbles about the medical bill took a mental toll on family members.

Everyone had a valid reason not to pay for the medical bills.

My suggestion to all my readers out there...

Please buy a good insurance plan that will cover all these medical expenses so that:

1) You will not hesitate to see a specialist when you are unwell. Early detection will save your life.
2) You will have a FREE yearly medical check.
3) You do not have to pay a single cent if hospitalised.
4) Even if you are not hospitalised, you will get back your money after test or scan.
5) You will be compensated for Pre and Post hospitalisation expenses.
6) You are covered 24 hours a day anywhere in Asia or world wide, etc, etc.......

Start now while you are healthy, call me now for a quotation.
Please refer me to your spouse, relative, colleague or close friend if you think they are not adequately insured.

Please do not call me if you already had a heart by-pass, high blood pressure, diabetes, hepatitis, cancer etc... it is too late now. Just concentrate on taking care of your health. So sorry that I can't help you as you are not insurable anymore.


Thank you and have a blessed week!

Buy Life Insurance When You don't Need It!

In recent years, I have attended quite a number of funerals, visited friends and relatives hospitalised for diverse reasons. Some died young due to cancer, got diabetes, high blood pressure, liver failure, broke their bones, sprained their ankles and some I cannot even mention here.

Many were not adequately insured and had to compromise or delay their medical treatments. Some commented that Singaporeans cannot afford to fall sick due to the high medical costs here in Singapore.

I sigh and regret that these people need not go through such financial tragedy if only they had adequate insurance to pay their medical bills and also see them though the financial hardship.

Buying Insurance need not be expensive if you know where to look!!!

I would like to help you take a pulse reading on your financial safety net. Just drop me an email and let's meet up for a quick review.

God bless you with wisdom to do the right thing for yourself and your family.

Retirement Planning

Why do you need to plan for your retirement?

Many of us are working our butts off trying to earn a decent living, juggling between many roles in our lives. So we just continue to work and work without ever reflecting on why we are working so hard.

Have you ever wonder when you will stop working but the more inportant question to ask I believe is " Why should I plan to be financially independent when I retire?"

If you want to retire at age 40, 50, 60 or 65 have you planned for it?

ONE major factor we have to accept is that " We will not have life long income for most of us"

You could lose your job through retrenchment, replacement, redundancy and the official retirement age set by the government.

So start reflecting how you can achieve financial security and success when you retire, voluntarily or not.

When you are financially free, you work because you love to work, not because you have to work.

Do call me if you have decided to change your financial game plan to achieve $$$ success.

Are You Maximising Your CPF Medisave Account?

From CPF Website, www.cpf.gov.sg :

Working Singaporeans and their employers make monthly contributions to the CPF which go into three accounts:

Ordinary Account - the savings can be used to buy a home, pay for CPF insurance, investment and education.

Special Account - for old age, contingency purposes and investment in retirement-related financial products.

Medisave Account - the savings can be used for hospitalisation expenses and approved medical insurance.

Today, I would like to discuss how we can maximise the use of our Medisave Account (MA).

Medisave Minimum Sum and Medisave Contribution Ceiling

The Medisave Minimum Sum (MMS) and Medisave Contribution Ceiling (MCC) need to be adjusted to ensure that Singaporeans have sufficient savings to meet their hospitalisation expenses, and have been adjusted for inflation. For this reason, from 1 July 2009,

a. The MMS will be raised to $32,000 from $29,500. Members will be able to withdraw their Medisave savings in excess of the MMS at or after 55 years old.

b. The maximum balance a member may have in his Medisave Account, known as the (MCC), is fixed at $5,000 above MMS and this would be increased correspondingly to $37,000, from $34,500.

Any Medisave contribution in excess of the prevailing MCC will be transferred to the member’s Special Account if he is below age 55 or to his Retirement Account if he is above age 55 and has a MS shortfall.

Our MA earns an interest of 4% per year, a very respectable figure compared to what you get from banks today. If you already have $34,500 in your MA, you will earn an interest of $1,380 a year. What can you do with this $1380 every year? Do remember that money in your MA can never be withdrawn in cash even when you retire.

Many of my clients have upgraded their Medishield and Eldershield plans (for people aged 40 and above ). These are private insurance plans that enhances your BASIC Medishield and Eldershield plans.

Have you upgraded yours? Have you upgraded your family's protection against hefty medical bills in the event of a long illness or a serious accident?

If you are not sure what this is all about, please give me a call and I will be most happy to share with you how all these plans work.

Take action now, most people fail because they failed to plan, not because they plan to fail. Procrastination will lead you to regret later in life, so pick up your phone and dial 9001-1082.

I look forward to meeting up with you very soon.

God bless us all with a wonderful day of love, joy and peace in our hearts!

Be Still and Know That He Is GOD

STILL by Hillsong United
Hide me now
Under Your wings
Cover me
Within Your mighty hand

When the oceans rise and thunders roar
I will soar with You above the storm
Father you are King over the flood
I will be still and know You are God

Find rest my soul
In Christ alone
Know His power
In quietness and trust

When the oceans rise and thunders roar
I will soar with You above the storm
Father You are king over the flood
I will be still and know You are God

Testimony From A Happy Client

March 31^st, 2009

IPP Financial Advisers Pte Ltd

Mr. Stephen Mok

78 Shenton Way #10-01

Singapore 079120

Dear Stephen

I just had to write to thank you for your outstanding advice and service. In the USA, I had always taken complete control over my healthcare coverage and did not seek anyone’s advice. When I contacted you for insurance, I was shopping for price. You gave me a good price but insisted I upgrade to full hospitalization because I had a family now and should no longer ‘self insure’. As you recall, I fought you on this decision. Well, you convinced my wife and once you had her, you convinced me. ARE WE EVERY HAPPY YOU DID THAT!!

Six months later, when our daughter Anna fell from the monkey bars and broke both bones in her arm, we took her to the best private hospital and got her the best Mayo Clinic trained hand and wrist specialist. Today you cannot even see where the pins were put in and her arm… it’s perfect. That was a $14,000 bill we would have paid if we had not listened to you.

This February, 3 years later, I ripped out my ACL in my right knee in Medan, Indonesia speaking to 1,200 insurance agents. Again, I go to the best private hospital, get an MRI, a great surgeon, a week in a private room in the hospital and best after care treatment. That $30,000 bill is no worry for me as it’s 100% taken care of, thanks to you!

THANK YOU! THANK YOU! THANK YOU!

You could have taken the ‘easy sale’ but you went the extra mile to convince us we needed more coverage. We are so blessed you did that for us. In the dictionary under the word “Professional”, they should put your picture.

God bless you Stephen. You are a financial angel with wings of wisdom.

Your friend for life,

Michael Podolinsky CSP

PS: Your big gift for Anna after her accident and your personal visit and gift to me in the hospital was most appreciated and above and beyond the call of duty.