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	<title> &#187; Insurance</title>
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	<link>http://www.youwanttoberich.com</link>
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		<title>The MoneyDoctors Story</title>
		<link>http://www.youwanttoberich.com/2011/02/06/the-moneydoctors-story/</link>
		<comments>http://www.youwanttoberich.com/2011/02/06/the-moneydoctors-story/#comments</comments>
		<pubDate>Sun, 06 Feb 2011 06:40:36 +0000</pubDate>
		<dc:creator>Issa</dc:creator>
				<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Stock Market]]></category>
		<category><![CDATA[Wealth Attraction]]></category>
		<category><![CDATA[Insurance Commission]]></category>
		<category><![CDATA[Joe Ferreria]]></category>
		<category><![CDATA[Money Doctors]]></category>
		<category><![CDATA[MoneyDoctors]]></category>
		<category><![CDATA[MoneyDoctors Blog]]></category>
		<category><![CDATA[Nannette Ferreria]]></category>
		<category><![CDATA[Salve I. Duplito]]></category>
		<category><![CDATA[You Want To Be Rich]]></category>

		<guid isPermaLink="false">http://www.youwanttoberich.com/?p=3460</guid>
		<description><![CDATA[It was a fine afternoon and Nannette and I got to talking.

I just passed the insurance examination given by the Insurance Commission and can now be ushered into the world of insurance agents and hustling and bustling.  That made me uncomfortable and I told Nannette so.

Okay, I still had the image of the feisty, persistent, pesky seller of insurance who does not really explain or understand what he sells, does not hear the word "no", does not stick around through the bad times (when the hapless insured can no longer pay the premiums), is just interested because of the commission he hopes to get from me.

I did not want to be that person.]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Life Insurance for Your Child: What Would Happen If You Discontinue It</title>
		<link>http://www.youwanttoberich.com/2010/10/05/life-insurance-for-your-child-what-would-happen-if-you-discontinue-it/</link>
		<comments>http://www.youwanttoberich.com/2010/10/05/life-insurance-for-your-child-what-would-happen-if-you-discontinue-it/#comments</comments>
		<pubDate>Tue, 05 Oct 2010 11:36:22 +0000</pubDate>
		<dc:creator>Issa</dc:creator>
				<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Life Stories]]></category>
		<category><![CDATA[Cash Surrender Value]]></category>
		<category><![CDATA[Endowment]]></category>
		<category><![CDATA[Extended Term]]></category>
		<category><![CDATA[Insurance for Children]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Premium]]></category>
		<category><![CDATA[Reduced Paid-Up]]></category>

		<guid isPermaLink="false">http://www.youwanttoberich.com/?p=2960</guid>
		<description><![CDATA[I just found out.

But first, the back story.  On the year I sold my house in Cavite, I bought life insurance coverage for my daughter.  It was an endowment type of insurance, one that I would have to pay for 5 years.  According to the plan, the sum insured would almost double (x 1.8) on year 3  and my daughter will start receiving money on the 8th year and every other year after that.  I thought it was a great plan and a great investment and a wonderful beginning for my insurance business.  After all, I get a commission, which means I get to have a good discount.  I forgot that I had to pay premium for 4 more years. (pained grin here)

And then I read an article that insurance for children is not really recommended.  After all, the purpose of insurance is to replace the income of the person living.  Children have no income.   Parents provide for them and not the other way around.  Life moves forward.

But it was too late.  I already bought it.

... To read the full article, please click on the title ...]]></description>
		<wfw:commentRss>http://www.youwanttoberich.com/2010/10/05/life-insurance-for-your-child-what-would-happen-if-you-discontinue-it/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Getting Additional Health Insurance</title>
		<link>http://www.youwanttoberich.com/2010/06/20/getting-additional-health-insurance/</link>
		<comments>http://www.youwanttoberich.com/2010/06/20/getting-additional-health-insurance/#comments</comments>
		<pubDate>Sun, 20 Jun 2010 13:57:10 +0000</pubDate>
		<dc:creator>Issa</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Health]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Angiogram]]></category>
		<category><![CDATA[Angioplasty]]></category>
		<category><![CDATA[Blue Cross]]></category>
		<category><![CDATA[Dilated Cardio Myopathy]]></category>
		<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Life Insurance]]></category>

		<guid isPermaLink="false">http://www.youwanttoberich.com/?p=2518</guid>
		<description><![CDATA[When is enough, enough?

We have medical insurance.  Of course, we have medical insurance. But it was your run-of-the-mill type with a per person limit of up to $2,000 in one year.  A lot of people do not even make a dent in that amount because they never get sick.  Well, for the years that we have had it, we usually use up (if any) only $400 annually – some for check-ups, others for laboratory tests and procedures (blood tests, colonoscopy) and annual medical exams, for our daughter’s hospitalization (twice these five years) – an amount that is more or less equivalent to what we have paid for it.  But this year was different.  Hubby has about depleted all of it with all of the tests he had to undergo for his heart.

... To read the full article, please click on the title ...]]></description>
		<wfw:commentRss>http://www.youwanttoberich.com/2010/06/20/getting-additional-health-insurance/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Writing Your Will and Making an Inventory</title>
		<link>http://www.youwanttoberich.com/2010/02/23/writing-your-will-and-making-an-inventory/</link>
		<comments>http://www.youwanttoberich.com/2010/02/23/writing-your-will-and-making-an-inventory/#comments</comments>
		<pubDate>Tue, 23 Feb 2010 07:58:24 +0000</pubDate>
		<dc:creator>Issa</dc:creator>
				<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[The Basics of Finance]]></category>
		<category><![CDATA[Asset Inventory Worksheet]]></category>
		<category><![CDATA[Kimberly Colgate]]></category>
		<category><![CDATA[MoneyDoctors]]></category>
		<category><![CDATA[The Everything Wills & Estate Planning Book]]></category>
		<category><![CDATA[Will]]></category>

		<guid isPermaLink="false">http://www.youwanttoberich.com/?p=1921</guid>
		<description><![CDATA[I have a confession to make.  I have not written my will.

I do not know what is stopping me – not the thought of invincibility because slowly I am finding out the truth and fact of my humanity.  Not for lack of knowledge – I have drafted wills for others and other more complicated – and more sober (sobering?) – documents. Not for lack of having given it thought – because I have.

Then what?

Because writing a will is an emotional exercise and I am not sure if I can handle the enormity of it.  It is half love letter, half goodbye letter, transmitting all of your hopes and dreams to people you hope not to leave behind too soon.  It is a practical letter, an inventory of your life and what you have accumulated in terms of the material and the familial and the emotional.  It has a potential to be controversial, leaving in its wake disappointments and tensions and conflicts that you no longer can put under control.  It is a testament to what your life has been, to what you valued and continue to value.  It is a last heave before you and your life and your words says caput.

And how do you say goodbye?

... To read the full article, please click on the title ...]]></description>
		<wfw:commentRss>http://www.youwanttoberich.com/2010/02/23/writing-your-will-and-making-an-inventory/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>A Different Kind of Investment</title>
		<link>http://www.youwanttoberich.com/2010/01/25/a-different-kind-of-investment/</link>
		<comments>http://www.youwanttoberich.com/2010/01/25/a-different-kind-of-investment/#comments</comments>
		<pubDate>Mon, 25 Jan 2010 14:56:34 +0000</pubDate>
		<dc:creator>Issa</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Life Stories]]></category>
		<category><![CDATA[AABB]]></category>
		<category><![CDATA[American Association of Blood Banks]]></category>
		<category><![CDATA[Bank]]></category>
		<category><![CDATA[Banking]]></category>
		<category><![CDATA[Bone Marrow]]></category>
		<category><![CDATA[Bone Marrow Extraction]]></category>
		<category><![CDATA[Cord Blood]]></category>
		<category><![CDATA[Cord Blood Banking]]></category>
		<category><![CDATA[Cord Blood Registry]]></category>
		<category><![CDATA[CordLife]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[Singapore]]></category>
		<category><![CDATA[Stem Cells]]></category>
		<category><![CDATA[Straits Times]]></category>

		<guid isPermaLink="false">http://www.youwanttoberich.com/?p=1867</guid>
		<description><![CDATA[Today, I learned about a different kind of investment and a different kind of bank.

What did the endorsers have to say?

Giselle Sanchez: “It is an investment just like bonds, stocks and savings.”

Anna-Lynn Salindong: “It is just like an insurance policy – a biological insurance policy.”

But I was not really thinking about investing and investments that day.  I was going about my own way, staring at the wall of a clinic, when the wall stared back.  On it was a message board and on the board was a poster of a cute baby.

It was a poster for cord blood banking.

Cord blood what???

And I was reminded that I kind of knew about it, a colleague in work having “banked” his baby’s cord blood in Singapore two years ago.  All I know was that the expense was prohibitive.  But I remembered too that my colleague, although sighing and murmuring about all that money he spent for it, thinks that he did good.

...To read the full article, please click on the title...]]></description>
		<wfw:commentRss>http://www.youwanttoberich.com/2010/01/25/a-different-kind-of-investment/feed/</wfw:commentRss>
		<slash:comments>12</slash:comments>
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