Bits & Bites #143 - Success: 7 Mistakes People Make in Retirement Planning

Sunday, 26 June 2016

Please email askfuiping@gmail.com if you're looking for a Partner to do Shuang Hor Business.
Grand Kingdom
Do you have a clear Goal of what you want to achieve in your business? 
Do you write down your goal?
How can you do a business without knowing how much you need to earn to breakeven? 
If you don't have a clear written plan, you won't achieve your goal.

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Having a Goal makes you feel grounded. You know what you want. This can be perceived and felt by people around you.
You will attract quality people to follow you.

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Seven Mistakes People Make in Retirement Planning

1. No plan
a) Have you calculated how much you need to save in order to retire?
b) Have you committed to a regular savings goal?
c) Do you have a step-by-step action plan on how to achieve your goal?

2. Not saving enough
If you spend RM10 a day on a cup of "fancy coffee", over 30 years, you would have spent RM109,500. If this amount is compounded at 10% p.a., this amount would be in the region of over RM600k.
Recommendation: Save at least 30% of your income (including EPF).

3. Don't start saving early enough
In your 20s, you say you're too young to think about savings.
In your 30s and 40s, you have too many commitments and expenses to save.
In your 50s, you're retired already or too sick to save.
So, Procrastination is a very painful and expensive mistake.

4. Inaccurate retirement income   
If it's set too High, it's difficult to achieve.
If it's set too Low, you won't be able to achieve your goal.
Recommendation: Estimate your monthly expenses to be at least two-thirds of your last drawn salary.

5. Disregarding higher healthcare cost
Don't only plan for normal daily expenses. Remember to include costs that will be incurred when you fall sick.

6. No long-term healthcare plan
If we're very sick, we may opt for nursing care at the last stage of our lives to avoid burdening our family. Currently, this costs RM1,000-RM5,000 / month.

7. Not updating your retirement plan
Different events happen at different stages in life. Revisit your plan at least once every 5 years.

Most people spend a lot of energy and time to plan for their vacation, new house, children's education etc. But they forget to plan for their own retirement.
Don't make the same mistake.


Dao Xiang

This post is part of a weekly series sharing Bits of mishmash on health, my business and life in general, which I find inspirational, enlightening or enriching. And Bites of delicious food I have enjoyed.

Drop me a mail at askfuiping@gmail.com if you want more tips on how to successfully achieve your goals.


Have an awesome day!

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Guest Blog: 10 Things You Didn’t Know About Your Teeth

Wednesday, 22 June 2016


We rely on our teeth every day, but there might be a few things you never knew about them. Here are 10 little known facts about our teeth – a few of them might surprise you!

1. Our teeth are the strongest part of our body

Tooth enamel (the ‘casing’ around our teeth) is the hardest substance in our whole body. Its solid strength and resistance enables us to chew and break down the foods we eat. But although it’s resistant, enamel can be damaged. Fizzy drinks and sugary foods are a top culprit for acid erosion, so steer clear of these villains to keep your enamel in tip top condition.

2. No two sets of teeth are the same

Just like your fingerprints, your teeth are unique. You’ll never find two people with exactly the same teeth, which is why dental records are often used to identify bodies in forensic investigations.

3. Your teeth get sensitive because of dentin exposure

If you have sensitive teeth, you’re not alone; it’s a very common problem. Most of us experience sensitivity when we eat or drink something very hot or cold. The pain you feel with sensitive teeth is the result of exposed dentin (the part of the tooth that holds all the nerves and blood vessels). You can prevent sensitivity by using special toothpastes, avoiding acidic foods and drinks (that means stepping away from the wine!) and wearing a mouth guard at night to put tooth-grinding to rest.

4. Chewing gum is good for your teeth

We all know why it’s important to brush our teeth, but have you ever thought about the benefits of chewing gum? Chewing sugar-free gum after eating neutralises harmful acids and helps to wash away pesky bits of food debris. But be careful – this only works with sugar free gum!

5. You can get your wisdom teeth at any time

Our wisdom teeth are the last to develop and are also known as the third molars. They pop up in most people between the ages of 16 and 25, but this isn’t set in stone. Some people reach the age of 30 without even seeing the first sign of a wisdom tooth, while others have a complete set much earlier. And some people never get them at all!

6. Strawberries can whiten your teeth

Strawberries are more than a delicious summer treat. They contain a natural whitening agent called malic acid, which helps to keep your teeth effortlessly sparkly. Make your own whitening treatment by mixing a crushed up strawberry with baking soda and spread it onto your teeth with a soft toothbrush. Brush it off five minutes later and rinse your mouth with water. Then you’ll have a whiter smile to show off.

7. There are 300 types of bacteria in your mouth

If you analyse a sample of your saliva, you’d find loads of bacteria strains. This might sound disgusting, but they’re not all bad and some are good for your oral health. That said, there are still harmful bacteria lurking around in there, so be sure to brush and floss every day to help keep the bad bacteria away.

8. Bleeding gums are not normal

If you notice your gums bleeding when you brush your teeth, it’s important to go to your dentist. You wouldn’t ignore bleeding from any other part of your body, so why ignore bleeding gums? It is one of the first signs of gum disease, which can damage the supportive bone structure underneath your gums, eventually causing your teeth to become loose. Stick to your regular check-ups and keep an eye out for those potential warning signs to keep ghastly gum disease at bay.

9. How often you eat sugary foods is more important than the amount of sugar you eat

When it comes to our dental health, how often we snack on sugar is even more important then the amount we actually eat. This is because bacteria in our mouths release harmful acids that attack the tooth enamel when we eat, but it takes time for the enamel to recover after these attacks. So if you’re constantly grazing on sugary sweets throughout the day, your teeth are under constant attack. If you do fancy a sweet treat, try to limit them to mealtimes only. It’s also a good idea to sip fizzy drinks through a straw and drink water after eating to wash away sugary debris.

10. Your teeth can tell you a lot about your general health

Gum disease is a very common problem and is often linked to other health problems such as heart disease, diabetes and stroke. This is to do with inflammation in the body trying to fight the bacteria, causing it to have an effect on other parts of the body. The chances are if your teeth aren’t healthy, other parts of you might not be at their best either so it’s important to see your dentist and make sure gum disease is put in its place as soon as possible.


Disclaimer: This article is contributed by a Guest Blogger. Ping of Health does not give any warranty on accuracy, completeness, functionality, usefulness or other assurances as to the content appearing in this article. Ping of Health disclaims all responsibility for any losses, damage or personal injury suffered directly or indirectly from reliance on such information.

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Bits & Bites #142 - Testimonies: Eye Discharge, Constipation, Body Odour and Beautiful Complexion

Sunday, 19 June 2016

Email askfuiping@gmail.com if you are looking for solutions for your health problems. Look at how versatile Shuang Hor products are.

Kodawari Menya
Testimony: Yellow Discharge from Eyes

Mr E said that in the last 2 years, towards end of the year, his eyes would have a lot of yellow discharge. It started with a lot of mucus and tears until it got so bad that he couldn't open his eyes when he woke up in the morning. He had to use his fingers to slowly prise open his eyelids.
He consumed 10 capsules Yung Kien Ganoderma + 1 sachet Vitaking collagen all mixed in hot water.
After 4 days, he was ok already.

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Testimony: Pus in Eyes and Haze

The haze not only causes our lungs to suffer, it also affects our eyes. Ms S' 5 year old son had pus growing inside his eyelid during the haze period. It was quite deep within and doctor advised he needed to undergo operation. Ms S was so worried and chose not to because of the anaesthetic. So, the doctor prescribed him medication for 5 days to see if the medication can help him and stop the pus from growing bigger. At the same time, Ms S used hot towel to massage his eyelid where the pus was and fed her son 2 capsules Yung Kien Ganoderma (opening up the capsule to mix with warm water as he doesn't know how to swallow the capsule) + 1 sachet Lactoberry probiotics a day.

When she brought her son to the doctor 5 days later for the follow-up check, they discovered the pus had just disappeared. She still remember the doctor's reaction whereby the doctor was so surprised as she said normally, it will not disappear, the medication only controls the pus from growing bigger.

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Testimony: Constipation and Difficulty Sleeping

During CNY, Ms L overate, causing her to have constipation. Her usual intake of Lactoberry is 2 sachets / day. But because of this condition, she increased her intake to 2 sachets / meal (total 6 sachets / day). She could go to toilet the next day without any problem.

Before CNY, she did some spring-cleaning. She was very tired and couldn't sleep well. When she woke up, her body felt achy. She mix a sachet of Jia Hor Soya Protein into a glass of warm water and drank before bed. She could then sleep very well and woke up feeling energetic.

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Testimony: Strong Body Odour

Ms B shared the case of a man whose neighbour has a very strong body odour. He recommended this neighbour to try the Vcare Showergel and Vcare Body Lotion. He suggested to the neighbour to use more on the specific areas of the body that sweat more, both during shower and after drying the body. After a few weeks, the neighbour happily told the man that it really worked to reduce his body odour.

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Testimony: Beautiful Complexion

Ms B's mother's friend consumed 1 sachet Jia Hor Soya Protein + 1 sachet Yung Kien Pollen in the morning everyday. She also applied the Aquasense Exfoliating Cream on her face. After 1 month of taking these 3 products, she observed that she feels more energetic, her skin is fairer, her pigmentation has faded and her arms feel firmer.

Kampachi
This post is part of a weekly series sharing Bits of mishmash on health, my business and life in general, which I find inspirational, enlightening or enriching.
And Bites of delicious food I have enjoyed.

Email askfuiping@gmail.com if you are looking for solutions for your health problems.
Click here to refer to Shuang Hor company website for Product Description and Price.

Have an awesome day!

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Bits & Bites #141 - Testimonies: Dengue and Food Poisoning

Sunday, 12 June 2016

Email askfuiping@gmail.com if you are looking for a safe solution for your dengue and food poisoning problems.

Albion
Testimony: 13 Year Old Girl With Dengue Fever

A 13 year old girl was admitted to the hospital for dengue fever. Her platelet count dropped until only 10 units (normal 150-400 units). Then it went further down to 8 and then 6 within 11 hours.
She was put on drip and the count went up to 10 on the same night (Sat).
The parents fed her with 2 capsules Jia Hor Lingzhi every hour; all in she consumed around 30-40 Lingzhi per day. Within 2 days (Sun / Mon), she started to feel better. The platelet count was at 35 on Tues and went up to 84 on Wed. She was discharged. On Thurs it went up to 238, within the normal range.

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Testimony: Dengue Fever

Mr G was diagnosed with dengue fever during Chinese New Year. His symptoms include fever, diarrhoea for a few days, rashes on whole body by the 4th day, nose bleed and gum bleed when brushing teeth. On Day 4, he went to the doctor to get his blood tested. But since it was a Sunday, the clinic was only open for half a day and he was asked to come back on Monday to collect the results.
Before that, on Day 3, he consumed 5 capsules Lingzhi every hour and finished 1 bottle by the end of the day.
On Day 4, he finished the 2nd bottle.
On Day 5, he finished the 3rd bottle. 
After that, he felt better. His appetite returned and he could eat. His condition continued to improve over the next week.
He was grateful and felt very fortunate he did not need to be admitted to the hospital and yet was able to recover. He was very worried because he had heard many horror stories of people dying from dengue.

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Testimony: Food Poisoning in Bangkok

I was in Bangkok for a short holiday.  I had a great time until Friday. After enjoying a wonderful dinner with a group of friends, I suffered a very severe case of food poisoning. I don't know what exactly caused it and none of my friends got it. It was really bad. I vomited twice during the night. I had diarrhoea and was on the toilet bowl every hour. My whole body was aching and I felt so weak and my fingers were freezing cold. Every time after I went to the toilet I would take 1-2 sachets of Lactoberry probiotics before lying down on the bed again. I finally managed to sleep by 7 am.

Throughout the next day, I took up to 10-12 sachets of Lactoberry + 12 Yung Kien Ganoderma + 24 capsules Yung Kien Pollen. I didn't see the doctor or take any medication. I didn't even spend the whole day in bed. I still had the energy to walk around, did some shopping, and had a Thai dinner. By the following day, I was pretty much recovered and could board the plane home with a peace of mind.

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Testimony: Diarrhea Caused by Food Poisoning and Curry Laksa

Ms J's father, 70s, ate some fish that had gone bad and had food poisoning. He started purging from 6 am to 12 noon. He took 1 sachet Lactoberry probiotics every hour. After about 8 sachets Lactoberry, the purging had completely stopped.

On another matter, he noticed that every time after eating curry laksa, he would have to go toilet. It's likely that his digestive tract is not so strong. After taking Lactoberry for a couple of months, he found there's a marked improvement in his condition. So he knows that nowadays when he wants to eat laksa, he would take 1 sachet Lactoberry as prevention.

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Testimony: Food Poisoning

Mr N suffered from food poisoning. He mixed 8 sachets Lactoberry probiotics in a cup of water and drank it immediately. After another 2 times of diarrhoea, it stopped completely. He could continue with his work. He didn't have to see the doctor.

Hakata Ippudo

This post is part of a weekly series sharing Bits of mishmash on health, my business and life in general, which I find inspirational, enlightening or enriching.
And Bites of delicious food I have enjoyed.

Email askfuiping@gmail.com if you are looking for a safe solution for dengue and food poisoning problems.
Click here to refer to Shuang Hor company website for Product Description and Price.

Have an awesome day!

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Bits & Bites #140 - Health: What is Deep Vein Thrombosis and How Lingzhi Works

Sunday, 5 June 2016

Please email askfuiping@gmail.com if you want to buy Shuang Hor Lingzhi for your health.
1MK
What is Deep Vein Thrombosis (DVT)?
It is when blood clots (thrombus) form in your veins, usually in the lower legs and thigh area.

What are the Causes and Symptoms of Deep Vein Thrombosis?
Click on this link: DVT and Side Effects of Heparin/Wafarin

How to Prevent Deep Vein Thrombosis?
  • Move your legs more, stand up and walk about regularly.
  • Do not smoke.
  • Maintain a healthy weight.
  • Reduce cholesterol and blood lipid levels.
How can Lingzhi / Ganoderma help?

1. Triterpenoids
Triterpenoids can reduce buildup of cholesterol and blood lipid/fat in the blood vessels, which are the culprits that cause our blood to become thick.
Triterpenoids reduce the production of cholesterol by the liver. In particular, the Ganoderic Acid B and C are the components in Triterpenoids that can prevent the excess formation of cholesterol in our liver.
In 2004, Swiss researchers discover that Lingzhi effectively reduces total cholesterol by 20% and levels of bad cholesterol (LDL) by up to 27%. Hence Lingzhi can prevent the formation of new blood clots.
Further, Triterpenoids can promote the disaggregating of thrombi and increase blood mobility.
As we age, and due to free radical attacks as well as the saturation of cholesterol and plagues at the walls of the arteries, our vessels start to harden. They become less elastic, less flexible and more easily ruptured. Triterpenoids can improve the elasticity of blood vessels.

2. Macromolecular Polysaccharides
It combats free radicals and acts as an anti-oxidant. Free radicals attack our body cells. If our blood vessel cells are inflamed / injured, it can cause narrowing of the blood vessels and affect our blood flow. Polysaccharides can help to protect our vessel cells.

3. Ganoderma Nucleotide (Adenosine)
It is a natural blood thinner which prevents platelet aggregation in our blood vessels. This helps to improve the circulation of our blood.

Further, Lingzhi helps to reduce the side effects of western medication e.g. heparin / warfarin. The aim is to eventually reduce the intake of these medication. This is because Lingzhi can help to address the root cause of the problem - as explained above. 

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If you really want to benefit from Shuang Hor products, you must take for 1 course (4 months). Unlike medicine which gives you immediate results, Shuang Hor products take time to work holistically on your whole body.
If you find this 1st course is good and you feel better, you can continue for a 2nd course. Total of 8 months.
You get overall benefits including:
  • Health maintenance
  • Scanner for potential diseases
  • Detox.
If you want to see your whole body constitution change including build more energy and have a stronger immune system, take for 2 years continuously.

Ceggo
This post is part of a weekly series sharing Bits of mishmash on health, my business and life in general, which I find inspirational, enlightening or enriching. And Bites of delicious food I have enjoyed.

Drop me a mail at askfuiping@gmail.com if you want to buy Shuang Hor Lingzhi to manage your DVT problem. I am an Authorised Distributor.


Have an awesome day!

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Testimonies in Bite Sizes Part 5 - Weight Management

Sunday, 29 May 2016

Are you desperate and depressed because you have tried so many types of weight loss programs and gone on so many diets but you are still fat? Are you suffering from a lower quality of life and low self-esteem?

Why not give try Shuang Hor products a try - afterall, you have already tried so many others, and still don't see any lasting satisfying results?

Take a look at these real-life stories.. 




Testimony: Young Lady Lose 8 Kgs in 2 Months

Ms B, 20s, was overweight since very young. She regularly feels tired, has constipation problem and frequent headache. 
She wanted to lose weight and this is what she took:
First 2 weeks: 2 sachets Jia Hor Soya Protein + 1 sachet Jia Hor Fiber + 1 sachet Yung Kien Pollen, 3 times a day.
Next 2 weeks: 1 sachet Protein + 1 sachet Fiber + 1 sachet Pollen, 2 times a day.
Next 1 month: 1 sachet Protein + 1 sachet Fiber + 1 sachet Pollen, 1 time a day in the morning.
Results:
Lost 8 kg in 2 months. Can wear a smaller size jacket. Smoother bowel movement. Feels more energetic and not as tired as last time.


Testimony: Diabetic Man's Weight Dropped from 120 Kg to 75 Kg

Mr J, 40, is a Type 1 diabetic patient since 11 years ago. He used to inject insulin 4 times a day, totaling 120 mmol/L. At that time, he weighed 120 kg. Even though he controlled his meal intake and exercised and changed his lifestyle, his weight still would not reduce.
He doctor used to scold him and recommend that he see a nutritionist or hormone doctor. Despite that, his weight still remained high.
He started to consume 4 capsules Yung Kien Ganoderma + 10 capsules Yung Kien Pollen Jia Hor Soya Protein daily, for 3 months. 
Vertigo reaction: Very bad gastric.
When he attended a few talks and understand how the other Shuang Hor products can also help manage his weight, this is what he consumes every morning as breakfast:
2 sachets Yung Kien Pollen + 1 sachet Jia Hor Fiber + 2 sachets Lactoberry + 1 sachet Jia Hor Soya Protein.
Within 9 months, his weight dropped from 120 kg to 98 kg. Throughout, he continued to eat 3 meals a day and did not do much exercise.
His doctor advised him to reduce his weight further.
So before meals, he would consume this shake:
1 Pollen + 1 Fiber + 1 Lactoberry + 1 Protein.
Within another 9 months, his weight dropped to 75 kg.
He’s very happy as he doesn’t need to wear XXL size anymore. He now wears M size. His insulin injection also reduced from 120 mmol/L a day to only 6 mmol/L a day. He is much healthier overall.


Testimony: No Appetite and Very Thin

A lady in her 60s weighs only 39 kg. She's extremely thin as she has no appetite to eat.
She drank a shake of 2 sachets Jia Hor Soya Protein + 1 sachet Jia Hor Fiber with lots of water daily.
After almost 14 days, she observed that she has much better appetite and good energy level. The enzymes help her body to absorb more food.


Testimony: Lady Lose Weight in 1 Month

A lady consumed a health shake comprising a combination of 2 sachets Jia Hor Soya Protein + 1 sachet Jia Hor Fiber + 1 sachet Yung Kien Pollen with the objective of losing weight. After only a few weeks, she slimmed down considerably. Her brother commented that her arms looked firmer, and her school friend said that her tummy looked smaller and her thighs slimmer. The best news was the monk at her weekly place of prayer could not recognise her due to her transformation. She said her mother was very happy when she heard that wonderful news.


Testimony: Lady Lost 11 Kg in 2 Months

A 40 year old housewife consumes 1 sachet of Lactoberry probiotics in the morning and 1 sachet Lactoberry at night for maintenance.
Healing reactions: She had diarrhoea 5-6 times a day where the stools that came out were coated with "oil" and looks like "curry". This lasted for 4-5 days.
After about 2 months, she lost 11 kg.
She used to have double chin; now her face is more V-shaped.
She used not to be able to consume seafood, now she can.


Testimony: Already Slim Lady Lost 2 Kg in 1 Month

Ms A tried the 4-Prong Weight Management Solution in mid-2015, which encompasses a shake of Yung Kien Pollen, Lactoberry probiotics, Jia Hor Fiber and Jia Hor Soya Protein.
After 1 month, she lost 2 kg and 1.5 inches around her arm and hip. She thought it was very amazing as she's already past 40 years old and it's not that easy to lose weight anymore. Furthermore, she's already a petite and slim lady.
Subsequent to this 1 month, she maintained the shake combination but taking it only once a day. She didn't gain weight despite consuming more food during the CNY period.


Testimony: Lady Lose 4 Kg in 1 Month

A 43 year old lady wanted to lose weight. She consumed a shake comprising 2 sachets Jia Hor Soya Protein + 2 sachets Jia Hor Fiber 3 times/day before meals. After 2 weeks she lost 2 kg.
For the 3rd and 4th week, she took the same combination, but for 2 times/day. After 2 weeks, she lost another 2 kg.
During this time, she changed to a healthier lifestyle, by eating light meals and swimming for exercise.
Her constipation problem was completely gone, she has a more toned body, her complexion is brighter and she has smoother skin.
After 1 month, she reduced to Jia Hor Soya Protein + 1 Jia Hor Fiber, 2 times/day. Her weight has stabilised since then.
Now she takes Jia Hor Soya Protein + 1 Jia Hor Fiber every morning for maintenance.

Please email me at askfuiping@gmail.com to buy Shuang Hor products as your weight loss solution. I have a very simple and effective 1-Month Weight Loss Program for you.

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Bits & Bites #139 - Business: How You Earn Is As Important As How Much You Earn

Sunday, 22 May 2016

Please email askfuiping@gmail.com if you're looking for a Partner to do Shuang Hor Business.
Xian
Your job is to teach people how to run a Business themselves. It's like teaching them how to open their own shops and outlets. They will know how to operate a business independently after putting in 2-5 years of effort and starting to earn a stream of Passive Income.

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It's not how much income you earn; but it's about How you earn this income.
If at the peak of your productivity you earn RM10,000 a month, it is considered a good income.
But when you're retired at the age of 70 and you can still earn RM10,000 a month, it is considered very, very good. Shuang Hor is a business that can give you this.

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Shuang Hor Business is about building a Network, not just selling Lingzhi. Having said that, we distribute very good products. Lingzhi is just one of them.
It's the process of doing Shuang Hor Business (building the network) that will give us the Strength and Resources to face life and handle the challenges that come our way, be it in terms of Financial, Health or Family crisis.
We are calmer, we know what we should do and what are our options, because this business would have taught us Wisdom and Good Values.

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Focus on your customers' needs:
1) What do they want to achieve when they buy your products.
2) What is their budget and can it help them achieve what they want.

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What sets Shuang Hor apart from other MLM / businesses is the company's Values.
Shuang Hor constantly teaches us that first, we should learn how to be a good person. Then only learn how to conduct the business.

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Are you Hungry enough?
If Yes, keep on trying until you get a Yes. Go all out to reach out to your consumers / prospects to try your products. Be creative in proposing your solutions. 


Xian
This post is part of a weekly series sharing Bits of mishmash on health, my business and life in general, which I find inspirational, enlightening or enriching. And Bites of delicious food I have enjoyed. 

Drop me a mail at askfuiping@gmail.com if you want more tips on how to successfully achieve your goals. Have an awesome day!

Read More