1. open a CDS account and when you get a bit of money, buy some good dividend paying counters.

2. pay for own investment linked insurance products.

3. self control.

I'm not sure about investment.. this way, can I actually sell back in 1 or 2 years time? and like, buy bit by bit? I'm not account major and very noob about this things here

use something like premier value saver from maybank.. fix m400 as part of your saving, investment and insurance...

2. it's a good thing to pay on this stuff. as many think it's a waste like buying things and money gone. it's basically buying protection.
well.. i read the above.. and he might be true too..
i'm no expert in this field.. so i dunno the in and out..
so untill u urself feels that insurance is a "saving" to you
then it's kind of worth it

it's not about insurance here.. it's about saving
and yes.. i was -ve on this before and now i know that paying for protection is kind of saving to me.
if not the extra money i will go spend on more wasteful manner like on things that is not needed.

Most insurance agent are... taken from the internet. Haha

INSURANCE AGENT = An individual that do not have your interest in his mind and will push you to invest a "disproportional" of your income to a scheme, not considering the cost of opportunities.

Most insurance agents will assume that the single purpose for people to work is for retirement planning. They fail to understand people's needs for starting a business, taking courses, investment, marriage
, repaying your old parents, and experiencing life.

They commonly use OUTDATED sales approach by comparing bank interest rate and insurance interest rate. They assume that people put money in the bank just because of the interest. Most if not all of the insurance agents fail to ask for the reason why people put their money in the bank.
...
An insurance agent represent an insurance company in getting sales, but NONE of the insurance agent represent an insurance company when there is a problem.

Most insurance agents do not aware that they are being a cannon folder.

Sometimes, an insurance agent will disguise himself as an investment agent, bank employee, etc..

This will give an instant bad image when they start to presenting their obvious insurance products.

Some insurance agents will push you to give them referral rather than advertising themselves as experts.

Most insurance agents are pushy salesman rather than PR or marketer. They fail to brand themselves.

People won't thinking of contacting a pushy insurance agent when they need information about insurance and investment.

Many insurance agents giving remarkable hard work and persistence but fail. Instead of evaluating their strategies, they put even more hard work and persistence ti fail harder.

Dear insurance agents, it's time for re-branding.