Welcome to my blog

Hi There!

Welcome to my blog!

In this blog page, I will be creating/publishing posts about financial planning matters. 

Stay Tuned!

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Why I chose to create this blog (The Journey)

Growing up, I was told that being a financial planner (FP, or insurance agent) was not a feasible job. I don't recall the real reason given. All I remember, maybe even heard was that the job was a, shall we say, shady one. Probably because back in the day, the rules and regulations were not as strict as today. For all chinese folks especially, if an FP approaches you talking about insurance, you would probably think, "Are you trying to curse me to death?" So because of that mindset, among other things, I never thought about being an FP.  That was....until two years ago. I took a serious leap of faith to explore the world of financial planning. How this went down was I went to a job interview (or so I thought), in response to an ad on a job portal. Long story short on the job ad, it promotes making about $10k a month, potentially. I've seen enough of such ads to know it's a recruitment ad from an insurance company. Maybe that's why I didn't bring my CV to t...
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Warm Market vs Cold Market

Warm market. Cold market. Every agent that steps foot in this industry has heard these four words before. What are they exactly? For the purposes of disclosure: Warm market - Family, relatives, friends, colleagues etc. Cold market - Complete strangers (Imagine walk-in customers into retail shops) So, the age old question remains: Which market should an agent approach first? Quite honestly, it really depends on how strong your social circle is. That means: Warm Market - Approach if this circle of yours is very supportive of you and will help you in anyway. Cold Market - If your warm market turns a cold shoulder....approach the cold market. You may be thinking too....how do I approach cold market? Before COVID, there used to be events like road shows and seminars for agents to approach strangers and bring them into the events. Now with COVID, digital marketing and leads agencies are the ones creating the awareness for agents.  So if the cold market is your optimal option, no harm t...
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