i'm at penang airport right now.. waiting for cik supinah.. i'm not online so this is a delayed post..

anyways.. been wanting to say something since I watched Oprah last night. I've watched that episode some time ago already. This episode must be a rerun.. It was about a lady called Suze 'something'.. is it Suze Orman?.. what I know is that she's an expert in giving advices or counseling on how to manage your money.. how to spend well.. the guests were couples whose in real debts.. they have been spending future money, they have loans and credit card outstanding.. This one couple particularly, have almost 60k outstanding credit card loan.. and their mortgage payment is always behind schedule.. the wife is not working and the husband is making 100k a yr (that’s quite a lot) but after tax would be around 60K.. still I think it is not bad.. but they are the people who could not manage their money well, they spend more than they earn..

In the program, Suze says that the wife who was not working to start working at starbucks since she loves starbucks so much.. and with the money that she earn, she will have to buy health insurance for herself and the children.. and Suze also said that she has to buy a life insurance for the husband.. She said "You are depending on him, he is the ride of your life!" I absolutely agree with her.. seriously.. She didn’t say that with the money that she earn, the wife need to help the husband pay the debt but instead, buy insurance.

I heard many people say that they can’t afford insurance because they have so many commitments.. Truth is, no other commitments are less important than a life insurance.. most of us does not aware the importance of life insurance.. they thought you should have a life insurance when you are wealthy when you have extra money to put aside.. but the fact is insurance is the basic need.. insurance is more important than having a house.. more important than having a car.. husbands need to have life insurance.. You’re the bread winner even if your wife is working.. what will happen if you die?? Can you promise your kids that even if daddy’s gone, everything will be normal.. nothing has to change cause daddy leaves enough money for you and your mum to keep on living.. How nice..

Unfortunately, there are people who surrender their insurance policy because they are renovating the kitchen.. so frustrating..