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𝐄𝐗𝐂𝐋𝐔𝐒𝐈𝐕𝐄: The biggest transfer this season? Moving your business from spreadsheets to custom software. Build one solution with @emergentlabs, submit it, and compete for a share of $100,000 𝐇𝐄𝐑𝐄 𝐖𝐄 𝐆𝐎. Go to app.emergent.sh/fabrizio #ad
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Feeling intense sadness,irritability, anxiety and fatigue before your period? It may be more than just mood swings –it could be a sign of PMDD#pmdd #women #period #shraddhaasharma11 #womenhealth @ishrazaa @सर्मिला✝️ मगर 🛐🇴🇲🇳🇵
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最贵的，不是治疗，而是长期照顾。 很多人都有医疗卡，却忽略了一个更现实的问题。 如果有一天，我们不是离开，而是失去生活自理能力，谁来照顾我们？ 无论是癌症、中风、意外，还是其他疾病，当身体机能下降、免疫力变弱，加上年龄增长，往往会引发更多健康问题。一个风险，可能演变成多个风险。 这时候，需要面对的不只是医疗费，还有长期护理费用。 如今，无论是退休度假村（Retirement Resort）、护理中心，还是居家照护服务，每个月的费用大约从 RM3,000 至 RM20,000 不等，取决于环境、护理等级及提供的服务。 如果需要照顾5年、10年，甚至更久，这将是一笔非常庞大的开支。 很多人努力储蓄、投资、买房，为未来累积财富。 但真正聪明的财务规划，不只是累积资产，更是懂得运用杠杆（Leverage）。 把适当的一部分资金配置给保险公司，让保险帮助我们放大保障，并把无法预测的长期护理风险转移出去（Risk Transfer）。 因为保险不是让我们赚钱，而是在最困难的时候，保护我们的资产、收入和家人的生活。 OAD的价值，不是在确诊疾病时，而是在失去生活自理能力时，依然拥有经济能力选择更好的
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