Hmmm. I was kinda pressurised to give contacts (like any other FP) due to alot of factors. but ultimately, I was willing to give contacts because it's really no obligations.
I find the session pretty fulfilling. I know the concepts of wealth accumulation, retirement etc but it helps to have a third party looking at your financials and tell you what may be lacking based on your priorities.
Immediately, I got response. Faster than when I send out wedding FB invites! It was initially hilarious. Because I put "Hi dear", and the immediate response was "wrong guy". Then came strong violations, but there were pple who seems so used to such sms.
And I do feel quite upset after laughing a fair bit. It feels like pple pointing fingers at you for trying to push them down the cliff. I don't like that feeling. My bf said I can't control what pple think. Of coz I can't but it's like 己所不欲,勿施于人. I live by that principal (except to my bf). If I don't like it, why shove it down people's throat.
In fact, I took pains to choose the contacts to give. Deep in my heart, I really feel that they might need some help in financial planning, especially for those who are moving on to the next milestone of their lives.
And this kind of thing is when you got nothing, you don't need it but when you need it, you regret!
Like for my sister's case, we never thought we will be victims of cancer. We were just like everyone, skeptical of insurance, financial planning. Watch those charity shows, show some empathy for them and feel that "aiya, I am not so suay one lah. If I really fall in coma or what, please end my life." (dare you say you don't feel this way??!)
When my friends sent me this kind of sms, my immediate response was also "why you sabo me!". When my BFF's bf called me and told me abt his new job, I was very scared and skeptical, thinking of reasons how to reject him nicely without hurting our relationship. When I met up with my BFF, I asked her jokingly why she never pre-empt us!
Afterall, my parents, who only went through such planning once, still managed to survive and brought us up. Yet, when such unfortunate event happened on us, I saw my dad struggling with the bills. I scratched head too because I have no savings to help except by using credit cards to delay the payment. And when credit card payments came, it was scary. I have to ask my dad for money.
It was tough, and on top of that,
- we have tons of administrative forms to complete so that we can use as little cash on hand as possible.
- we have to take care of the patient, physically and mentally.
- we have to take care of my parents and ourselves
- we have to maintain our job.
Then lucky or unlucky you call it, my sister's misery ended in less than 2 years despite how relunctant we are to let her go. Her bills was not covered at all, not even by the bare minimum medishield. It came from my dad's rainy days savings. He is very concerned whether he has enough for retirement.
I experience twice feeling regretful that I might not have enough coverage. I went through a gastroscopy and liver biopsy and thank god, both came out to be negative test.
I have no coverage during my scope, I have to go through GP and a tough long wait. Then I have to fork out the money to pay for it, which I have little savings as I just started work. After my scope, I went to a financial planner. And when I have to go for liver biopsy, I am covered somehow. Even if I don't have work, I don't have to pay a single cent for my admission.
And I asked my bf to start looking into financial planning. I know his money all goes into my stomach but if suay suay this kind of thing happen, how? Like for me, I didn't plan to go into liver biopsy! I just happen to go for a normal health checkup sponsored by my company and it led to some queer findings.
So financial planning is important. not when you need it, you look for it. just go there with an open mind. Afterall, different people have different perspective. I talked to both my financial planner and stockbroker friends, they have different perspective on investment. And it was pretty interesting.
Please don't feel like:
1) I push you down a cliff;
2) I sent the sms wrongly. Yes, it's sent to you!
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