When it comes to planning, i am a strong believer of trusting the person who is supposed to be an expert in the industry it’s in. When there is enough trust, alot of work can be lessen off and things can move fast. However due to human kind, some of us tend to abuse this trust and as a result, there are many others who had bad experience.

I would highly recommend that you as a consumer, need to assess your consultant inside out when it comes to financial planning for yourself. Make sure that this person is not out to earn a commision from you and what he say, he must do it himself too. If you meet an agent selling you ILP, do ask for proof of himself buying the plan too. I’m sure you dont want to buy from an agent who is insufficiently covered or worse still, doesnt even own this policy himself.

Ask him what are the type of planning he has done for himself? If he takes a second to think and tell you, it can only show that he/she is not sure of their planning and thinking of a good excuse to tell you.

Do you have a consultant who only sells you saving plan or recommend that you should start saving since young? Well not that the theory of saving since young is wrong but it’s just that if one commits too much into saving initially without fufilling the insurance coverage, the end result will only be one thing: Lapsed policy.

By lapsing, the customer is the biggest loser so that’s why i always advice my clients to tell their friends not to buy saving plan. Despite all that has been said, there are still many young people falling into the saving plan trap. Rich consultants are the one that selling you saving plan because they earn the most out of it. You hardly see them selling you term or limited pay plan because of the minimum commission.

In short i just hope to highlight to readers that trust is to be earned and not to be given so easily to your financial planer. Make sure that they are really keeping track of your insurance portfolio as a whole rather than always going for saving for long term approach.

How should one learn to respect and love your partner? This question has been the minds of many couples that I spoke to and this is definitely one of the popular topics that were discussed during coffee breaks or chill out session.

To me, leading a successful relationship is like leading your own life. Do you see successful people have certain guidelines or principles that determine how they handle daily situations? Hence in a relationship, we also have certain principles that we got to follow

Communications is the key factor in a successful marriage. If a couple is able to talk to each other about everything, major or trivial, they will do just fine, maybe better than most couples. There are stuff to adhere to if you would like your marriage to be a “happily, ever after” one. Make it a habit to commit.

No name callings please. No “lame man”s, “fatso” s or anything like that. This is not effective communication. Never put each other down. It’s not funny anymore when it repeats, just like old jokes. Remember we must learn how to raise his/her self esteem.

Be a good listener. This has been said by many people, many times, and is really a good advice, one that, sadly, few follows through. Really listen and take in what is said, then ask good questions if necessary.

Tell each other what each other like and dislikes. These bring the couple closer and avoid stepping on each other’s tail. Knowing oneself and one’s most important person brings the relationship to a level that can never come down too fast.

 If you would like to expect changes, remember that changes should start from yourself before you can influence another, Start asking your spouse how you could be a better person, listen attentively, don’t criticize, and start making a list to change your life. Only after doing so then you can try to influence a change in your spouse. And be patient if the change is slow. Know that almost all people hate changes. Always been, always will be.

Hand language. Hold hands. It works for both parties. Kiss her hands whenever you are walking. Tell her how much you enjoy holding her.

Kiss her every day and tell her that you love her. Although these three words seem simple but I tell you, it can make a good marriage out of it. Slowly love and trust will build up to form a happy relationship

Try it on your partner right now and I bet she/he will find you even more attractive. Do it now!