I'm 7 months pregnant.. as usual.. orang yang tengok my perut akan cakap.. "keciknye".. yes.. my baby adalah kecik.. tak kisah lah tu.. dulu my first one pun kecik.. but i've been pressured by Dr Maziah to eat a lot of protein untuk membesarkan baby.. masa tu i belasah minum soya bebanyak.. and also protein drink from Amway.. I guessed it works a bit.. die punye perkembangan tu agak menggalakkan.. sampai this one time i saja stop taking those soya.. terus my baby turun berat.. huhu sabo je.. since at that time i'm already full term.. so Dr maziah suruh I induce je lah.. senang monitor berat budak kat luar..

this time around.. Dr Fatimah dok keep on saying.. takpe baby kecik okay.. lagi senang beranak.. so this time around i did not push myself untuk membesarkan baby..

cuma.. i tak ingat mana i simpan sumer record check up masa my first so.. tak leh nak compare really...

i'm still contemplating of whether to continue with Dr fatima or try Dr Idura kat pantai lak.. The issue is not about the doctor but about the hospital.. huhu... takut sebenarnye kalau ada certain things diorang tak leh handle pastu tetiba diorang nak antar kita gi sepital lain yang lebih fully equiped.. tu yang tak nak tuuu...

yesterday i met a person.. saya panggil die nak bagitau pasal something yang pelik dan agak menakutkan bila memikirkan soal keselamatan. tetiba je dia marah sebab die kata saya pikir memacam padahal benda tu dah jadi.. takleh buat apa pun.. marah beria ni.. memang sangat beria.. bersungguh2 nak marah.. saya jadi pelik apsal nak marah sangat ni..

pastu baru saya realize, sebenarnye die marah saya sebab saya panggil die masa die tengah menonton spiderman dgn seronok nye.. nampaknye spiderman die lagi penting dari memikirkan keselamatan kaum kerabat.. huahua.. pelik sungguh ini orang..

Today I met a lecturer. Sangat baik orangnye. A family man. Wife tak keje. He took policies for all his family member. Paying quite a lot. He really believes in insurance. Everytime he purchases an asset, he'll make sure that he has it all covered. Beli kereta baru pun die akan beli insurance to cover the loan that he took up. Sebab to him, kalau die meninggal, kereta yang die beli tu takyah la wife die kena sambung bayar. Insurance bleh cover the loan and wife die takyah sesusah. Sangat bagus..

He once told me that most of his colleague, his lecturer friends, doesnt know the existence of term insurance that could be use for the purpose to cover a loan. That really surprises me. I think maybe sometime it just doest occur to most of us that we need to take up insurance to cover up the loan. Just to make sure our family member wont suffer later. Yelah kan, insurance untuk diri sendiri pun kekadang orang rasa tak perlu.. ni kan pulak insurance untuk asset..

Hmm.. kalo insurance kete tu every year kita beli.. nak make sure kalo accident ke apa, kita boleh claim. tapi kalo diri kite yang sakit ke mati ke.. tanak ke insurance?

okay lah.. nak balik dah.. jom bukak posa!

today i met a lady.. she's a retiree.. and a non-muslim.. we met at McDonald.. huhu di bulan puasa inihh.. die yang suggest so i okaykan ajer.. at first she asked if i had my breakfast.. when i said i'm fasting.. she said "Oh no I forgot its a fasting month".. huhu.. die pun tak jadi la nak order food.. baguih.. sungguh respect i ni.. i dok insist kata takpa kalo die nak makan.. tapi die tamo jugak..

sangat berlainan kalau present kat orang bukan melayu ni.. they are more aware and more knowledgeable about insurance.. so i always has to present in a different approach.. not saying that melayu ni tak pandai bebenda nih.. tapi mostly are not that aware yet.. insurance was not in our culture.. its just started to...

this lady tader anak.. she wants to be independent, thats what she's been saying.. even if she has children she wouldnt want to depends on her children during her golden age.. which i truly agree..

I want to be the want who provides a fortune for my next of kin.. not just enough to sustain myself a living.. just imagine kalo kita pun bila start keje je dah ada a lot of savings yang our parents created for us.. terus boleh beli rumah.. boleh beli kete.. beli rumah bukan sekadar untuk duduk.. tapi untuk investment skali.. then we build more wealth.. pastu anak kita pulak possible to create more wealth daripada kita.. tak ke bagus?

bayangkan.. masa kita keje.. kita kena jaga mak pak kita.. pastu bila kita tua.. anak kita pulak tak cukup duit kena jaga kita.. pastu cemana la keturunan kita nak berkembang.. I'm not complaining because as of now my mum's earning memang much more higher than mine.. cuma I want to earn much more to leave to my kids.. biar diorang hidup senang.. best kan?

Did I ever tell you that I'm expecting..? hehe.. I'm now in my 20th weeks.. last time checkup, doc said 60% girl.. and she also said 'jangan bagitau satu kampung lagi' sebab belum confirm.. haha.. i dont mind telling but i'm telling you its 60% girl like she told me lah.. so still blum confirm.. kang tetiba scan sekali lagi boy pulak..

Kali ni saya gi jumpa Dr Fatima Najla kat KJMC.. She is recommended by a client of mine. And my sis pun kata kawan die suka ngan Dr ni.. So I went to her.. Actually before this I went to 2 other Gynae.. Dr Maziah kat Damansara Specialist and Dr Noor Fidak kat Tropicana Medical Center.. Dok shop around for a while.. Last time deliver ngan Dr Maziah.. tapi rasa macam tak best plak masa time nak deliver tu.. I dont think I got the best treatment with the cost that I have to pay.. I was thinking of giving some testimonial of the 3 that I went to... TO BE CONTINUED...

I received a phone call this morning from a friend who is also a client of mine. She took 2 policies from me for her 2 kids. Last year, her husband passed away. He had cancer. She said everything went so fast, from the first diagnosis til the final breath.

Last time I met her, she said, her husband has a car which has been fully paid, but he had never took the registration card from the bank, reason being 'senang nak renew insurance and road tax'. Now, she has problem of getting the registration card. That card is needed for her lawyer to do the 'surat kuasa'. I dont know whats the status about that now.

Then, she said to me this morning, she just knew that her late husband didnt have any insurance for one of the house owned by him. Now that he's gone, my friend has to keep on paying the installment of the house. She was almost in tears while talking to me just now. I just dont know how to react.

Now, its a lesson learned for me and I'm sharing this with everyone. There's a lot of things need to be considered while we are alive. Make sure that you have a life insurance to cover your house at least an MRTA. Just imagine, you're in my friend's shoe, obviously she lost her husband, the father to her kids, a breadwinner to her family, now she's about to lose the house (if she couldnt pay the installments).

In general, you have to have an insurance, even if you dont own a house. Just please make sure you leave something for your loved ones. Please dont let them suffer. Death benefit from insurance is the fastest cash money your family will get because its credit proof. It doesnt have to go through a lawyer, tak payah buat surat-surat kuasa ni. Kalau ada duit banyak dalam bank ke, ASB ke, Unit Trust ke, banyak harta ke, STILL bila mati semua nak kena tunggu surat kuasa, barulah all those akan dibahagikan pada pewaris (sampai tercakap BM dah.. huhu).

One more thing, make sure you have a will. I'm gonna get myself licensed to do will writing. With a will, you'll make everything easier for your next of kin. Nak buat surat kuasa tu lagi senang.