Resolutions Update:

1. Mentally. I have managed to finish a book by Dr. Wayne W. Dyer - Excuses Begone!: How to Change Lifelong, Self-Defeating Thinking Habits to help improve on my mental attitude which I also believe many Entrepreneurs will definitely benefit from (to stop giving yourself excuses due to personal limitations). I am on my second book now. So this leave me 29 books to go!
2. Giving back. I have realized profit (already credited) of US$7.93 so I will be contributing $0.793 to both my Church and World Vision. As this is still a small amount, I will make the contribution once both hit $25.
3. Health. Weight is currently at 72kg. And I am also consuming one less coffee each day. Good way to better health!
4. Financially. As a Financial Planner, it seems like I am not doing well in getting people insured in the month of January. Which also means that I did not really hit my sales quota. This, which I hope, I can have a turn-around real soon. May God Bless Me!
5. Online Entrepreneurship. In this area, I am more organized now by having proper planning and updating. Overall my sites are maintained and updated at least twice in the month.

What I Have Learnt As An Online Entrepreneur:

>> You must have a strong and positive mindset.

I am naturally a negative person and easily affected by the opinions of others (signs of low self-esteem). End day will be that the whole day is affected. This affects my attitude towards my customers (less enthusiastic face-to-face consultation) and also towards my style of blogging (writing sub-standard blog posts). Therefore a strong and positive mindset is very much necessary. As an Entrepreneur, you have to think of solutions around your problems and not to keep bothering about the problem.

>> You must understand what you are good with.

Many people say that I am crazy to maintain over 8 sites and that more sites will be created soon. They often say “Is this worth it and making you money?” These are really food for thoughts and though I may be better off concentrating one main site – end of day, I am contented and being able to produce good enough content and to improve on the functions of most of my site. Those with one site, one niche topic are good with just… One! I am able to handle 8 sites and 8 different topics which make me with multi-talents… Eight!

>> Do not be too obsessed with the monetary side – Every Day!

Most of my sites are supported with advertising and with affiliate products – which I have the temptation to check on the sales result… Every Day! If there’s no sales, I will start questioning myself where did I go wrong. This, in turn, affected my way of doing up my sites – every bit of actions/updates MUST generate a sale. This is totally wrong! I tried to change my thinking and to continue what I am used to doing. Guess what?! Sales are back!

>> Get What Is Needed To Be Done First First!

You are not reading it wrongly. There’s two Firsts. Given a choice to just laze around than to crack your brain to create a new blog post – most will choose the first one. And when you have seriously rested enough and would like to get back to real work… Guess what, you are drained! You will be merely trying to rush through your work. End result: Substandard Work! Vicious cycle of no results shall start!

These are the lessons that I have learnt during my journey as an Online Entrepreneur in the month of January 2010. What kind of experiences will the month of February bring me? This is going to be exciting!

My Wishes To All In The Month Of February!

Happy Lunar New Year To All Who Will Be Celebrating! May this new year refreshes you and bring you better perspective in life and in your business. May your actions bring you great wealth. Also stay healthy and do exercise! Also remember to give back instead of asking for something back!

Happy Valentine’s Day! Though this is a Special Day set for us to really show our love and appreciation to your special ones, you should make everyday a day of giving thanks to someone who has made it special for you. If you like to share your thanks, I have this site for you to post your thanks!

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Happy 2010 To One And All!

And specially to you for supporting this blog and following all my postings!

Also a special thanks to my colleague who spoke to me yesterday – telling me that she found my personal blog by doing a random search for “surveys” and she landed on my site. Guess that’s the amazing power you get from blogging so for those who are interested in becoming an online entrepreneur in 2010 – start blogging!

My Resolutions For 2010

I was thinking through of what I intend to do for 2010 and had nowhere to jot them down and what better way then to do so with this blog post. At least I “sort of” made a personal commitment to you by posting them here. So here goes:

1. Debts – to clear major part of my study and tuition loan (outstanding of around $27K), take care of my brother’s medical expenses and which I hope to clear with my current salary and from the earnings with my online activities.
2. Financially – I am currently working as a Financial Planner (on a fixed pay system and with a new monthly incentive scheme coming up real soon) so I would like to really make good money out from this. Time to get serious and work hard!
3. Online Entrepreneurship – In 2009, I created numerous sites dealing with different genre – affiliate marketing, online retailing, home-based business, web design templates, financial planning, blog aggregator. Personally all these sites are very much under-managed. I guess in 2010, I will personally make these sites grow and make a good monthly profit out of them.
4. Giving Back – I believe in the idea of giving back. Before I became independently on my own – surviving through university education and having my mum and brother in a nursing home – there was a lot of financial and spiritual help given by my church – Church of the Nativity of the Blessed Virgin Mary and from 2010 onwards, I will be donating 10% of my online profits (my only condition – money has to be credited to my account) to the Church and also to a charitable organization – World Vision Singapore. All these donations will be done on a regular basis! And maybe I should do up a sidebar widget to keep track of my progress on these donations.
5. Physically – My current weight is at 73Kg (do not laugh) at a height of 1.68m. This is not a good sign that I am healthy. A good commitment for 2010 will be to reduce this weight to around 65kg.
6. Mentally – Books are good and I intend to build up my own knowledge by reading at least 30 books.

Guess I should stop at these 6 or else I will start to make up a lot of excuses why I cannot achieve at the end of 2010.

So have you personally made any resolutions and posted it somewhere? I would like to read up what you have posted (and steal a few more ideas and suggestions).

Once again! Happy 2010 to you all!

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Guess I have not been posting for more than a month on this site (since my recap of September… and no news since then)

So What Have I Been Doing?

1. I got a new toy! I have gotten myself a new phone – HTC Hero. Was contemplating whether to get an iPhone but after seeing a few colleagues facing issues of shortened battery life (after more than 6 months of usage) and that many are actually holding onto an iPhone, and not to be one of the many – I have gotten a HTC Hero.

And not to offend many of the iPhone Lovers – I do personally like iPhone and feel that it’s a great phone and invention of all time!

2. I got a new site! Check out TemplateBulb – a showcase of web & flash design templates, logo designers, and premium WordPress theme. This site is done up using WordPress with the Thesis Theme but presented like a website.

And meanwhile I have also presented my own view in this article on Helium.com entitled – What type of Internet portal is best for promoting your work: A website or a blog?

So to all website owners – if you are looking for good templates for your Blog, Website, Shopping Carts or just want a logo professionally designed – do check out TemplateBulb today!

3. A new theme design for this site. I have decided to give this site a new face lift and have picked up the Thesis Theme (my previous theme is from WooTheme). And frankly speaking, doing up this new design is challenging as the Theme works around Hooks and not the simple way of copying codes into the Editor. Luckily I have managed to survive through and push through a few modifications. Phew!

4. Visitors are coming in to this site for Insurance-Related. After installing an application (google mAnalytics) in my Android Phone, I am amazed that majority of the visits to this site are Insurance-Related and many are asking questions (which is a good sign that people are taking charge of their Financial Planning). I will be taking this added advantage and to try answer most of these questions in my financial planning blog – Have You Planned.

5. A shopping cart for MyBeautySpree. I am currently working on a new shopping cart (talk about advancing technology…) to showcase all the Pre-Order clothing. Not fully functional as yet (was working around the shopping carts provided by ZenCart and Magento and finally decided on the latter one). Give me some more time and I will get it up as soon as possible! (that’s the agony of having too many sites and too little time to work on them)

6. My Buy into Suntec Reit. After 3 years of absence of buying into stocks, and given a chance to read into Adam Khoo’s Secrets Of Millionaire Investors. I did my studies and decided to go into one stock (slowly… one at a time…) and chose Suntec Reit. I went in at $1.16 and am glad that the stock is averaging at $1.30 – $1.33 now. Will still be holding to it for the quarterly dividends. No looking back!

7. Doing lots of surveys. GlobalTestMarket is one of the many survey companies that I have joined and would gladly promote to you (joining is free and the points that you earned can be converted to money). If you are reading this part, do join in earlier as the company is pushing out a lot of surveys so it’s good small money to make!

Every 1000 market points  = US$50 and every survey gives you around 5 – 40 points.

8. Slow Down for my Affiliate Marketing. With the new FTC Guidelines out in the US, I am doing a slowdown in my affiliate marketing so as not to get into the wrong side of the law. Till I am able to grasp what is going now, I will be posting less often on posts related to Affiliate Products on Affilicore and Dexter Recommends This.

9. Welcoming all new internet marketing articles to my free article directory – ArticleJuicy.com. New authors are slowly coming in and I am welcoming all writers to contribute any of their internet marketing related articles to this directory and I will drop a shout-out on my Twitter account!

There you go… a summary of what I have been doing! To all budding entrepreneurs, please do remember to do up your Success Journal to keep track of what you been doing and how you have been doing! You will be amazed at what you have written as you walk down memory lane!

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How is your September 2009 been like? Good? And it’s time for another personal review!

It’s Been A Sneezy Month!

Do not know if you are affected by the haze but it’s been affecting me quite badly and I have been sneezing away for most part of September 2009. This is a good time to start looking into your health aspect. Boost up your immune system with supplements and lots of exercise today!

It’s Been A Personal Month!

This is also the month that got me quite affected personally in terms for my family. My mum passed away in June 2009 at the age of 68 due to Alzheimer’s Disease and Urinary Tract Infection (after 9 years of battling this two illnesses) leaving me and my Elder Brother (he’s 40 and mentally handicapped) as Orphans.

And also that my Elder Brother is in a Nursing Home, it’s my sole responsibility now to take care of him (though not 100% physically) but more of Financially.

So guess so, this is one of the many motivating factors that will keep me pushing forward to become financially independent as a Financial Planner and Online Entrepreneur!

So What Did I Do For My Online Adventure In September 2009?

For Article Juicy

This is my first take into setting up a free article directory which means if you are a writer, you can contribute articles to that site for free and if you are a publisher, you can use the articles there to juice up your site.

Side note: I have recently re-setup the site due to some programming thus resulting in over 10 articles being deleted. If you are one of those affected. My apologies!

For Dexter Recommends This

This is one of my most Profitable online adventure generating most of my online income. Within a short period of 2 months, this site has grown to around 100 fans! Time to think of ways to reward the readers over at that site!

If you do not know what that site is all about. Basically it’s a product (mostly Internet Marketing related) review site. With this site, it gives you a better understanding of what the product is all about and whether it fit into your purpose of buying it.

I have also set up an affiliate system whereby if you are keen to earn some money by doing some recommendations of your own and coupled with mine (some knowledge needed). When it’s ready, I will be doing an announcement. Do keep a look out!

For Have You Planned

Seems like there’s a clash of similar information (relating to financial planning) with this site and HaveYouPlanned and in terms of getting traffic from financial keywords – this site is getting most of it. Ha! Guess it’s time to do some sorting out in the month of October.

For My Beauty Spree

Spent quite a small amount of time doing up this blog and it’s ready to do business – promoting Sprees and Fashion Clothing. If you want to look pretty pretty and at a low and affordable price, check out MyBeautySpree!

For Affilicore

Did not manage to do up much for this site because of too much concentration over at the above sites. But over these 2 months, did realize what kind of direction this site should be going.

What Else Am I Busy With?

• Doing surveys in exchange for vouchers and money – check out MySurveyAsia and GlobalTestMarket
• Contributing tips and ideas to Tipdrop (i.e. if you feel that you have a lot of knowledge in certain field, you can contribute them to this site and have many others benefited by it)

Lastly, do well in whatever you are doing! And believe you can do it! Watch out for your health as well! Have a good October 2009!

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I have just finished reading the book written by Serial Entrepreneur, Stuart Skorman, entitled Confessions of a Serial Entrepreneur: Why I Can’t Stop Starting Over and it’s definitely a good book with many lessons to learn from if you would like to be an Entrepreneur as well.

How I May Be Like Stuart Skorman…

About Stuart Skorman

Stuart Skorman is many years my senior but during the course, he is the founder of Elephant Pharmacy (sad but it’s already been declared bankrupt before any expansion), HungryMinds.com (taken over by Wiley), Reel.com (now part of Hollywood Video) and Empire Video.

He has many years of experiences building up a business from scratch, selling it for a lump sum of money (think millions of dollars), and going ahead to set up one after another.

Though he may seems getting on with age, he never seems to stop pursuing his interest (if you read up his book, you will know that he always like recommending and connecting movies, especially Classical ones, to movie lovers) and despite that he committed heavily into Elephant Pharmacy (which nearly drive his retirement savings to none), he is still back on his feet with his latest venture – ClerkDogs.

About Dexter Damien Chan

I started my first business as a Middleman for a Florist Shop at the age of 19 during my army days. Basically I take orders from customers on the flowers they would like, at a fraction of a cost from those Big Florist Names and the willingness to deliver at weird situations – at the strike of 12 midnight or interrupting the middle of a class.

Interesting business this is as the smile that you get from the Ladies is priceless. So guys who are reading this, do remember to give your loved ones Flowers despite having them say that it’s waste of money! The Ladies will still say it no matter what but you should see them giggling inside or being proud walking with a big bouquet along Orchard road.

I did this business to the end of my University Days but had to stop because of Delivery issues – having to drive a Hatch Back is actually quite costly!

During the times of selling flowers, I also gain entrepreneurship from doing Network Marketing. More about my adventure preferably in a next post.

My times of doing Network Marketing is mostly online and that’s also how I become an Online Marketer and Blogger till this present day – handling my personal creation sites like GuruRSS, MyBeautySpree, Dexter Recommends, Have You Planned and Fiocorp.ws.

Tiring? Yes! Worth It? Definitely Yes as well! If it’s not, you should consult Stuart Skorman how he did it!

There are still many things about Entrepreneurship to learn from!

Take It From Me! Read His Book!

There are many lessons that you can pick it up from Stuart Skorman’s Book – Confessions of a Serial Entrepreneur: Why I Can’t Stop Starting Over and without giving away too much of the content, here’s some of the entrepreneurship nuggets (do note that they are not arranged in any specific order) for you to take away:

• Don’t be afraid to ask for support. Be prepared to give up your life. Learn from your mistakes. Most importantly, choose your business based on who you are (knowing yourself).
• Being Important is more important than being Rich. In business, you can’t just accept the status quo. And when something doesn’t add up, you have to delve deeper in search of the answer.
• There’s an importance of Mentors. Act like you know what you’re doing. Seek out your customers and listen to what they say. Design your Business to attract Good Press.
• Own your mistakes; then keep moving. Business is discipline. You need to understand the difference between the skills you studied in school and those you’ll need to start a business.
• The Power of Hunger. Be Persistent. Never Stop Paying Attention. Believe in Yourself.
• Don’t spend money before you have it. Customers can be your best teachers. Learning to heal (especially if it’s time to let go). Delegate decision making to the person with the best resume.
• Hope for Good Luck but Plan for Bad Luck. Know the difference between Luck and Talent. Identify your strengths and weaknesses. Be Aggressive. Play Tight. Hone Opportunism.
• Base your decision on logic, not emotion. Stick with the familiar. Prioritize fun. Know your risk tolerance. Focus on short-term goals.
• Find a mission for your venture. Haste makes a lot of waste. Your Business Plan counts. Avoid Creativity at all costs – it’s too expensive; the wheel has already been invented, so use it; half of creative ideas are thrown out anyway.
• Slow down when necessary.

How To Make The Transition From A Big Company To A Start-Up

• Know what you’re getting into.
• Toss out the Rule Book.
• Check out your motivation
• Start a business on the side.
• Talk to people who’ve made the transition.
• Get a job at a start-up before you start a start-up
• Be financially prepared.

As you can see from the above, a mere book itself with so many pointers to note and take action with. If you are someone like me and Stuart Skorman who is serious in Entrepreneurship, have a copy of this book, take notes and put into practice or even better, form it as part of your daily life!

>> The book by Stuart Skorman: Confessions of a Serial Entrepreneur: Why I Can’t Stop Starting Over

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Singapore is a country that takes Good Customer Service seriously and that’s why in 6 October 2005, the Go The Extra Mile For Service (GEMS) was launched nationwide to improve the service levels, particularly in the Tourism, Hospitality, Food & Beverage, Retail and Transport industries.

Is There Any Improvement Till Date?

Till date, do you think there’s any improvement in the Service Level rendered to you?

If yes, who are these people or companies that have left a last impression on you?

If no, who are they and do you think you should share your bad experiences with the rest?

Check Out The “Are You Being Served” Blog

And if you have been a person who enjoys good service and have been sharing the good and bad experiences of the service level in Singapore, verbally among your friends, Facebook, Twitter and some major forums, there’s now a new blog dedicated to this area and awaiting your sharing -

>> The “Are You Being Served” Blog And On Singapore Customer Service .. Share Your Story

And you are welcomed to:

• Read up on the Stories being shared and express your views (many interesting posts since launched)
• Have a personal story to tell? Whether good or bad experiences, let’s share!
• Suggest a mission for the Service Quad (more about them later) which you think will struck Singapore by storm! (there’s already 11 missions suggested and completed so far…)

About The “Are You Being Served” Blog And The Service Squad

(In their own words) “Are You Being Served” is a blog that investigates all service matters and engages in real life “missions”. The Service Quad will be glad to give kudos to the good and to the not-so-satisfactory gentle nudges in the right service direction.

And the Service Squad is a body of dedicated sticklers who stand for good service anytime, anywhere. Hidden behind shadowy silhouettes, we’re nameless, faceless, and everywhere. Armed with their trusty senses honed from years of experience receiving all ends of the service yardstick, they sniff out the good, the bad, and the ugly in exciting service missions every week. And relay their rare finds on a dishy blog that’s too good to be missed. Plus some powerful thumbs ups and thumbs downs… They’ve even got insider tips and comments on great service from one of their guest squad members, Anny Lin, Style Advisor, TOPSHOP and winner of Best Tourism Host – Retail at the 2008 Tourism Awards.

Play A Part – Improve The Service Level Of Singapore In 3 Simple Steps?

1. Be supportive! Head over to the “Are You Being Served” Blog and become their Reader (through RSS) or become their Fan (through Facebook)
2. Be active! Express your comments or write something in their Facebook’s Fan page on the good and bad customer service in Singapore
3. Be creative! Put on a thinking cap and suggest a mission to the Service Squad.

So join them each week as they go undercover to unveil the unwavering passion and attitudes of Singapore’s Service Professionals come what may. Follow their blog (addictiveness guaranteed) and give them your comments. And all in the spirit of sharing, why not suggest an exciting mission to take Singapore by storm? Or tell them your personal story and become their fan on Facebook.

Whatever you do, don’t forget to catch them. They’re the hottest thing to hit the service industry.

Disclaimer: The Service Squad reserves the right to remove flaming comments or brickbats which may prove harmful to establishments mentioned. Comments generated by users are not indicative nor reflective of the views of  The Service Squad.

What are you waiting for? Head over to the Are You Being Served blog and support them now!

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The month of August has ended and the start of September! It’s time for my personal review!

So What Have I Done For The Month Of August?

1. Setting Up My First Free Article Directory – ArticleJuicy.com.

I got the idea of setting up this site when I came across many Article Marketers making use of EzineArticles to submit the articles they have written in exchange for some quality traffic to their sites. And just so happen that one of the Internet Marketer is promoting a Course on how to set up an Article Directory for a small fee. Therefore I decide to give it a try!

And how did I come up with the Domain Name – ArticleJuicy? By using this Domain Name Suggestion Tool – NameTumbler and the usage is free!

If you just clicked over to the site, it’s not fully operational as yet as I am still learning on how to do up the site – how the Admin Section works, how to approve Writers and such. Therefore I will foresee that this Site will take quite some time before it’s ready to welcome you.

2. Committed Posting To DexterRecommends.com

DexterRecommends.com was set up in the early days of August to help promote the release and my personal review of Online Marketing products and the style of this site was transferred from my another blog – problemnsolution.blogspot.com.

If you happen to be one of my supporters for that site – I am sorry to announce that I will not be managing that blog anymore and DexterRecommends.com will be my new official site for Product Reviews and Announcement of Newly-Released Online Marketing Products.

And as mentioned, I have committed majority of my time in August to do up lots of posting for this site. And I am amazed by the results and the income that I am generating from this site. And I will be definitely repeating the formula in September.

There’s also a Twitter Account, @ProblemSolution, for this site and you are definitely welcomed to follow me and get updates on the latest Online Marketing Products.

3. Slight Modification And Updates To GuruRSS.com

GuruRSS is my Marketing Guru News And Blog Aggregator and also meant to be my form of appreciation to all the Gurus that have helped me in my Internet Marketing Adventure – by displaying their daily blog posts on the site.

There was a slight exposure to the site due to my posting on Affilicore.com but sad to say that the traffic is only temporary. I will be thinking of alternative ways to generate some traffic to that site in September.

I have also set up a Twitter Account, @GuruRSS, for this and I will be doing a fair bit of following for the Gurus that are showcased in the site. Some of the tweets are automated as well as I have done up a few scripts to update on my Twitter Account whenever the Gurus made a blog post. Interesting?

4. Updates On The Resource Page Of HaveYouPlanned.com

There was not much posting for my Financial Planning Blog though I have managed to do up Two Parts (out of Three Parts Series on what you may need to know for Mortgage Loan Insurance). I will be doing up the last part within these few days! Oops!

If you are interested in doing up some Financial Planning for yourself, you may wish to check out the Resources Page for some interesting insurance articles and financial planning calculators. You can also check out the current rates of Fixed Deposits as being offered in Singapore.

5. Affilicore.com Taking On A New Role?

Affilicore.com is one of my oldest blog till date and I have been posting on some snippets of my online marketing adventure like Product Reviews (now taken over by DexterRecommends), Marketing Campaigns done by some Internet Marketers and my sharing on some of the Personal Mentors and their works – for the past 1 year.

There seem to be no specific niche for this site till date and I hope to plan well for this and create a main topic for this site. If you are a supporter of that site, you may like to provide some opinions on how I can do it better… Thanks in advance!

6. No Updates For Fiocorp.ws, HUMVOX and MyBeautySpree

These are my three other sites that I have seemed to have ignored in August. There’s little updates on Fiocorp.ws. HUMVOX is not transferred over to my Vodien Hosting Account. Nothing was done for MyBeautySpree in terms of organizing of Online Sprees. Personally, this is not a good sign as an Online Entreprenuer!

Too Little Time, Too Many Online Ventures… But My Interest Is There!

I am currently working full time as a Financial Planner with a fixed working hours and any time beyond that would be used for my online ventures. In general, I have around 4 hours each night (10pm to 1am) to do up what is needed for some of my sites.

Is it tiring? Definitely yes! But is it worth it? A yes as well!

Why is that so? I am starting to see some online income coming in! For example, I am seeing a higher Click-Rate for my Google Adsense and some of my Product Reviews are generating sales. By making a personal committment to be a better Financial Planner has also helped me to see Insurance as a form of helping people and not just an ordinary sales career!

To a even better month in September 2009!

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Would you like to take part in a survey and express your personal views about the major banks operating in Singapore and their roles toward Consumers in the current economic crisis?

I have personally taken the survey and it will take less than 5 minutes to complete. This survey is also nothing intrusive and will not be asking anything with regards to your bank account or personal sensitive information.

Participation in this survey is also simple and all you need are to click on the options given. There will be no need to give any personal comments as well.

And with your participation in this survey, it will actually give a better understanding on your attitude and perception of the major players in the Banking Industry.

Your opinion may also help the Banks to create products and services that will serve us all better.

For your time and effort, after completion, you will stand a chance to enter a draw and win one of the 60 movie vouchers that can be used in Cinemas in Singapore!

To take part in the survey:

Click >> Euro RSCG Asia-Pacific Quarterly Financial Services Survey

If you like to have more information with regards to the nature of this survey, please click over to this Press Release By Syndacast.com.

Note: No personal details will be identified in the findings and responses will be strictly confidential as data from this research will be reported only in the aggregate.

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If you have been wondering what’s been going on for this blog, why’s it been so quiet and such…

My sincere apologies on my absence and its’ after this long (since my last post on May 31st) that I have finally some time to squeeze in this post.

So What’s Been Going On…

Am I Still Doing Financial Planning? Answer is Yes!

If you are interested in the area of Financial Planning and Insurance Products, (that’s why you’re here right?!), I am still in this industry.

The insurance industry is definitely a great place to be. And the main reason that you are not seeing any new posts on insurance and financial planning here is that the contents (here) had been teleported over to my dedicated new site >> http://www.haveyouplanned.com and if you have not been there, there are new contents already added in! Please do continue to support!

My previous posts that’s in this blog will still be here as most of the Search Engines have sort of linked up Insurance and Financial Planning to this blog.

So What’s Going To Happen To This Blog?

Good question! I am actually turning this site to my Success Journal! And also more towards to my Personal Online Branding!

If you are wondering what’s a Success Journal all about – I got this idea when I read Stuart Tan’s Secrets Of Internet Millionaires and in it was shared that it will be good to record down in the form of a Success Journal – Your Failures and Achievements in areas that you are working on and the business that you want to build up.

In this manner, you will have a record of your past performance and also a good gauge as to whether you are actually improving or just remaining in status quo!

My failures will be your lessons on not having to do the same manner as me whereas My Achievements will be for you to get envied on (oops!) and highly recommended to follow suit.

My Other Online Projects…

It’s also time to come clean with what I am doing as well. I am not just a Financial Planner (that’s my daytime career) but also an online marketer and entrepreneur (just to share is that I created my first physical business selling Flowers with no money down back when I am 19 years old!). And I am also currently running sites like

• I Make Money Online With Affilicore
• Dexter Recommends This
• GuruRSS – A Marketing Guru News and Blog Aggregator
• Your Inner Voice (back online soon)
• Fiocorp.ws
• MyBeautySpree (currently under revamp…)

So part of updating to this Success Journal will be my personal experiences with maintaining the above sites and how I will bring them up to a newer level.

My Mission Statement

That above sounds deep right?

My mission statement will be to be able to spread the importance of Financial Planning to those all around me and making sure that they are well-covered in areas of Medical Insurance, Critical Illness Coverage and Sound Retirement.

Next will be to build up on my dream of becoming an Online Entreprenuer – being truely Financial Independent and Successful in my interest of doing business online!

So let’s start getting serious!

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After working as a Financial Planner for the last two and a half years and being able to come across many real life situations with regards to insurance death claims – I have recently witnessed two death claims whereby

• a guy in his late 40s whom lost his dearest wife and is in a total loss and 
• another case whereby the family is with mentally handicapped children and the wife is left with no insurance monies as the hubby has never done up any insurance coverage before…

I just have this sudden feeling to blog about this…

And I will be talking about something that most of you will not be interested to talk about – Death! Death is something that is so expected and one fine day you or I will just forget how to breathe. It’s just a matter of time as well but we do not know when is that time – that’s all.

That’s why my blogging topic is with regards to something that is so expected (it will come eventually) but yet so unexpected (you do not know when it will come), and the big question is how prepared are you today? Yesterday is gone and we are still alive and this is something good and tomorrow is still something worth looking forward to.

So should really anything happen today, how prepared are you and your family?

And when I mean prepared, is not with regards as to whether you have all your friends or family members ready to take care of your funeral but rather on the financial aspect – will your sudden death be an asset or a liability to your dependents?

Will I Be A Liability To My Dependents?

If you have no idea what does it mean by dependents. Basically Dependents are people whom depend on you (or your income) for your living, e.g.

• Your parents who depend on you for their retirement or medical expenses
• Your spouse who depend on you to take care of the family daily expenses
• Your children who depend on you to provide them with an education and a dream to look forward to

And you have automatically become a liability to these people upon your demise when you

• Have outstanding credit card balance or any loans especially the home mortgage loan repayments
• Have outstanding medical bills (that you have chalked up during your treatment terms but failed to live through it)
• Not enough savings for your children to go through their education
• Have to make your Spouse work doubly hard (to start working or additional job) to take care of the family daily expenses and/or to take care of both side of parents

So, at your death bed, would you want your family members be talking all the bad stuff and the hardships you have brought upon your family or the possible good stuff like:

How Do I Become An Asset To My Dependents – In the Financial Planning Aspect?

1. Have a Medical Insurance and Critical Illness Plan to cover most of your medical bills and specialized medical treatment – leave no traces of medical bills!
2. Plan for your Parents – if they have a certain amount of daily or medical expenses, take this amount into consideration (in terms of an annual amount) and multiply by a rough guide of suriving terms for your parents (male can live till an age of 80 whereas female till an age of 88)
3. Plan for your Spouse – calculate the amount your family is spending (not counting in yours) in a month and multiply that annual amount with at least 5 years in consideration. This 5 years can help your spouse to get over your loss and to start looking forward with a new job.
4. Plan for your Children’s Education – based on your youngest child’s age and the gender (in Singapore’s context, male will be going to the University at age of 21 whereas females at the age of 19), get the remaining age to university, factor in the education inflation rate and multiply to the current education fees.
5. Plan for your Outstanding Debts – there’s such a insurance plan known as a Decreasing Term which is cheap in premium. Consolidate all your debts and plan against it. You will never go wrong!
6. Believe in Planning and Plan For It Today! Tomorrow is something worth looking towards to and still is and somehow unknown. That’s the reason why you need to start planning today!

If you do agree the importance of the above planning and have done so today – it may not be 100% planned for but at least to a certain extent – do you think, at your death bed, will you still be complimented that you have done something good in the days that you are alive?

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