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"The purpose of models is not to fit the data but to sharpen the questions" -Samuel Karlin

     Gen Z and Millennials are more likely to have minor dependent children and worry more than older generations about: Leaving dependents in a difficult financial situation should they die prematurely Paying for children’s schooling/college Paying mortgage or rent Supporting self/family should they become disabled Paying off/reducing their own student loan debt Results from the 2023 Insurance Barometer Study, by LIMRA and Life Happens, can help the industry understand their financial priorities and purchase preferences to ensure these consumers have the life insurance they need to protect their financial security.

  你是三国里的： 关羽 美髯公；关公；武圣 三国演义中的关羽是一员不可多得的猛将，同时也是一个非常忠诚的人。出场时与刘备张飞桃园结义， 打造兵器后参加镇压黄巾起义 的战争中， 而后虽然与刘备东奔西走，颠沛流离，但仍能斩将杀敌， 大显神威。《三国演义》中以旁白视角叙事时，通常称关羽为“云长”或“关公”， 极少直呼其名， 而整部《三国演义》中除了对皇帝称帝号外，亦只有关羽、刘备、诸葛亮有此待遇。 你身上有着“云长”的影子，一身正气凌然，厌恶不公与暗箱操作，对待朋友仗义，集智慧、勇气、 毅力、大志于一身，有胆有识有为， 终会成就一番事业。 原来我在三国人物里是 关羽 ，快来看看你的！ 分享你的测验

Advanced Medical Treatments covered under the Great Eastern Medical Card Introduction: The realm of medicine is ever-advancing, offering a multitude of innovative solutions to combat illnesses and enhance patient well-being. However, navigating through this maze of options can be daunting, especially for those seeking clarity on their health journey. In this blog post, we'll explore a selection of cutting-edge medical treatments covered under the Great Eastern Medical Card, shedding light on advancements in cancer care, surgical procedures, and specialized therapies. Battling Cancer: Cancer treatment has evolved significantly, presenting a range of advanced techniques to target tumors and combat the disease. Great Eastern's Medical Card encompasses several of these innovative approaches: Precision Warfare: Technologies like Brachytherapy and Proton Beam Radiotherapy provide precise methods to attack cancer cells while minimizing harm to healthy tissue. Brachytherapy involves pl

     In Asian culture, the idea of placing an elderly loved one in a nursing home may not be well-received. However, caring for an aging individual is a full-time commitment, and not everyone can stay at home and provide full-time care. This is where the concept of assisted living comes into play, ensuring that the elderly person is comfortably cared for. The average monthly cost for a semi-private room with basic care services is RM2000. A private room with professional and specialized healthcare provided by trained nurses and in-house doctors can cost up to RM8000 a month. Additional services like diapers may incur separate charges. Monthly Costs: Shared Room: Walking, assistance with ADLs: RM2500 - RM 3500 Bed-ridden: RM2300 - RM 3300 Single Room: Shared bathroom: RM3000 - RM 4000 Attached bathroom: RM3500 - RM 4500 Couple: RM4000 - RM 5000 Glove+Pad+Diapers: RM400 Lifestyle enrichment: RM200 -RM500      The prices cover 24-hour care, assistance and nursing, health check-ups, 5 meal

     Suppose you’re aging gracefully with no significant health issues, but you might need some help with household chores, which would require hiring a maid. You’ve settled your mortgage and car loan and have no outstanding debts, and you wish to lead a simple lifestyle. Here’s an estimate of your average yearly expenses in today’s value: English-speaking maid: RM1,600 X 12 months = RM19200 Private hospital medical check-up: RM1500 Medication & supplements: RM200 x 12 months = RM2400 Annual medical insurance premium: RM6000 Groceries: RM900 x 12 months = RM10800 Transport (fuel & toll): RM250 x 12 months = RM3000 Annual 3-day vacation within Malaysia: RM1200 Utilities (water, electricity, etc.): RM200 x 12 months = RM2400 Total: RM46500 However, this is a very cautious estimate and overlooks many of the complications associated with aging. It simply presumes that the elderly individual can live semi-independently with minimal assistance. But that’s not always the case. As we g

  Embracing the Journey: Raising an Autistic Child in Malaysia Raising a child is a journey of love, joy, and learning. When the child is diagnosed with Autism Spectrum Disorder (ASD), the journey takes on a unique path filled with both challenges and triumphs. In Malaysia, one of the most significant concerns for families is often the financial aspect. However, amidst the challenges, there is hope, support, and a community ready to lend a helping hand. Understanding the Journey Every child’s needs are unique, and so are the costs associated with their care. From therapy sessions and special education to medical care and assistive technology, the expenses can add up. But remember, this journey is not just about numbers. It’s about ensuring your child receives the love, care, and opportunities they deserve. Reaching Out for Support You are not alone on this journey. Malaysia is home to numerous resources and support systems ready to assist you. Government assistance programs, non-profit