THE CRY OF LITTLE CHILD – for daddy

THE CRY OF LITTLE CHILD – for daddy

Daddy, how do I begin to tell you of so
many things that happened to us?
You were taken so suddenly away
And all that was left off so fast.
Now we live in a tiny rented room
With a small light and a broken down bed.
Must all little children go through all
These hardships when their daddy is dead?

Daddy, if you only know we are hungry and cold.
We are so poor that all that was left had to be sold.
If you know we go thorough these, in a week the days are seven.
I am very, very sure it will break your heart in heaven

I know daddy, that you didn’t mean to leave us to fight alone.
I know you love us and gave us everything that you own.
I even remembered the months you had to work the nights.
So that mummy could have her oven and I, my glasses for my sight.

I love you daddy, even thought you are not ever coming back.
So does mummy for she cries every night before she hits the sack.
I don’t really mind all these hardships and missing some of the meals.
But I worry for mummy for she is very, very ill.

She washes clothes for the neighbor in the day and sews in the night.
Just so I can go to school for she thinks it is only right.
But I want so much to help her though I may be young and small.
I can wash plates, pull grass and maybe even earn 20 cents in all.

I don’t envy Patty even though she lives in her own home.
I comb my hair with a worn off brush, she with a fine tooth comb.
Though she knows no hunger and
She is warm and her clothes are refined.
I know, no one can have a better daddy and mummy like mine.

But now we all know, especially mummy and me.
For we suffer most as everyone can see.
But daddy, I don’t blame you for I love you so.
And I know you love us too and you did not want to go.
Yet daddy, it is not for us to say.
That is why mummy and I have to suffer today.

May all fathers know that their
Little ones need Life insurance protection.
So that they need no further want.
For their daddies too, not by choice may one day die.
Their mummies do not every night to cry.
And their little ones need not have to ask the questions,
“DADDY WHY?”

A WIDOWS STORY (Savings acct. VS Insurance acct.)

Last year at this time I was secure, happy wife and mother. Today I sit here wondering if I can get together the money to pay my utility bills before they shut off the electricity and water. The grocer has been wonderful about credit. He knows I must feed myself and the five years old twins.

Fourteen months ago I received a phone call from hospital across town. My husband was in critical conditions. He had suffered a heart attack while driving home. By the time I reached hospital, he was gone. I couldn’t believe it. The man had never sick a day.

The ironic part of the story is that less than a month before he died, I asked him to buy life insurance. He refused, saying the smart thing to do is to keep his money in savings account where it will produce interest.

When he died, the bank gave me the RM2,200 he had in savings account. If he had bought the life insurance policy I would have received RM50,000.

I love my husband dearly, but I cant help feeling resentful. After all the children and I were HIS responsibility. He should have looked out for us.

I earnestly would like to share my story with others. Maybe somebody will learn from it. My husband had ignorantly made a mistake, which unfortunately, the children and I have to pay for it.

- Article of the Week From Personal Development Club - May 18,1989

INCOME PROTECTION & INCOME REPLACEMENT

Recently, a friend of mine whom work as a fitness instructor met a minor accident. His income based on number of classes that he teaches, and maybe some personal training fees to his client. This accident would totally affect his income. A day not coming to the gym, obviously affect his total income. How can he protect his income in this case?

Most of us earn our income in MONTHLY, not many of us earn WEEKLY or DAILY basis. But we can calculate what our DAILY rate is. Assuming we earn 3K a month, 20 working days, our daily rate would be RM150 per day. Can we really afford not to come to work for a day? A month? or even a year?

Lets see under what circumstances that we cannot come to work ?

SICK and ACCIDENT, that’s all I guess rite?

So, if this 2 scenario happens, is our income protected? Do we have any income replacement?

Do you know that insurance can protect and provide stream of income if these scenario happens? This will help you to sustain your lifestyle and your family. Want to know further, just comment and email us.

This is SO CALLED INSURANCE. ;)

Is your MEDICAL CARD RENEWABLE GUARANTEED?

I was refered to this lady by her own brother, so I set appointment and met her at her workplace which is one of the biggest bank in Malaysia. Even she works in a bank, she and husband also own a baby diapers shop. They have 3 kids, and here how her story sounds:-

“akak ni fiz, actually dah ada medical card and insurance sumer, tapi ada sekali husband akak masuk hospital sebab demam, Dr. mula mula suspect peparu berair, tapi last last bukan, demam biasa jer. So sumer bil, insurance tu bayar la kan sebab akak ada medical card. Tak lama lepas kuar sepital tu, akak dapat surat dpd syarikat insurance tu, yg dia akan letak SPECIAL CLAUSE utk medical card tu. SPECIAL CLAUSE tu mention yg husband akak mungkin tak dpt guna sebanyak mana limit medical card seperti yg ambik dulu. Tu yg akak tak nak tu, akak skrg dah tak bleh ambik dah sebab akak ada masalah buah pinggang, akak kena buat dialysis every month, nasib baik bank cover”

So is your medical card RENEWABLE GUARANTEED? Its simply means that you will be able to renew your medical card without any affect on its benefits, no matter you have use it or not.

Having a MEDICAL CARD is important, but having the right ONE from the right COMPANY is so much more important as it will work, when we need it.

Then only we SO CALLED it INSURANCE when it helps us, at time we need most.

Kenyataan

Hari minggu baru-baru ni, kami sekeluarga pergi bercuti di Cherating. Cuaca kat sana memang panas. Kalau takde aircond, confirm anak-anak memang meragam masa nak tidur malam. Alhamdulillah... dengan adanya aircond, dapatla diorang tidur nyenyak malam tu...

Keesokan paginya, tengah lepak kat luar, sorang staff Holiday Villa Cherating bagi surat khabar NST. Seumur hidup memang tak penah beli NST. Dah dapat, apa lagi, sehelai demi sehelai surat khabar ni di baca. Tiba-tiba terpandang satu ruangan ada gambar 2 orang Ibu bersama anak masing-masing... sila baca...

Sedih juga rasa hati bila melihat keadaan ni. Kalau la diorang ambil PRUmy Child, Insya Allah, separuh masalah mereka dah selesai (hati aku bercakap) sebab PRUmy Child memang ada benefit yang cover penyakit macam ni (congenital illness). PRUmy Child dah mulakan perlindungan sejak bayi masih di dalam kandungan ibu lagi dan jika perkara tersebut berlaku, PRUmy Child dah sediakan peruntukan sebanyak RM50,000.00 untuk bayi anda.

Bagi mereka yang ingin membantu mereka, bolehlah menghulurkan bantuan seperti yang tertera pada keratan akhbar tersebut. Kalau seorang bagi RM1.00, insya Allah kalau 1% rakyat Malaysia yang menderma, dah lebih dari cukup.

Kita boleh ambil insuran ketika kita tak perlukannya, tetapi ketika kita amat memerlukannya... kita dah tak boleh nak ambil...

Inilah dia insuran...

PRUmy child

Hello Pregnant Ladies,

You read about it in newspaper,

You see the billboard on the road while you driving,

You see SHEILA MAJID talks about it on TV,

YES, it’s about the 1st and ONLY plan for you and your baby called

PRUMYCHILD- ‘my love for you starts even before you are born’

So what is PRUMYCHILD?

It’s the first of its kind plan that not only balances protection and education for your child, it safeguards your child even before they are born!

For more details, you can check out at www.prudential.com.my or simply contact us at mashari.hafiz@gmail.com

PRUlady Claims

PRUlady Claim I

Umur: 31 tahun
Jenis claim: Kelahiran Anak
Tarikh Kelahiran: 29 September 2009
Nilai Claim: RM750.00

Plan PRUlady ni adalah eksklusif untuk wanita sahaja. Setakat ni belum ada PRUmen lagi, jadi para jejaka yang menantikan plan eksklusif untuk lelaki di harap bersabar. Jika ada nanti, akan kami maklumkan. :-)

Salah satu benefit PRUlady ni, ia akan memberikan duit kepada kita para ibu yang telah melahirkan anak. Mereka akan memperolehi sebanyak 3% daripada plan yang dipilih. (Plan 25K, 50K, 75K dan 100K). Kalau ambil plan 100K, boleh la dapat RM3,000.

PRUlady Claim II

Umur: 30 tahun
Jenis claim: Berkahwin
Tarikh Kahwin: 20 September 2009
Nilai Claim: RM750.00

Yang ni claim PRUlady juga, tetapi ini claim untuk berkahwin. Nilai tuntutan juga adalah 3% dari plan yang dipilih.

Inilah dia insuran....