Kali ini seorang cikgu fizik pula bertemu jodoh dengan pelajar tuisyennya. Kisah yang tular di laman twitter pada Isnin lalu itu dimuat naik sendiri oleh guru berkenaan, Muhammad Shamsul Bahari Abdul Rani. Agaknya memang cikgu fizik berjodoh dengan pelajar ye?
Saksikan Cikgu Fizikku, Suamiku di TV3
Mendapat lebih 10k retweet, status itu menjadi perhatian ramai yang rata-ratanya tumpang gembira dengan perkongsian itu. Menerusi Mstar, pelajar tersebut yang kini sudah menjadi isterinya mengikuti kelas tuisyen Muhammad Shamsul Bahari sewaktu berada di Tingkatan Empat dan Tingkatan Lima.
Selepas empat tahun itu barulah mereka berkenalan secara rapat apabila Intan Syazwani Mohd Hairizan mengikuti guru tersebut di Instagram pada awal tahun ini.
Mendapat lebih 10k retweet, status itu menjadi perhatian ramai yang rata-ratanya tumpang gembira dengan perkongsian itu. Menerusi Mstar, pelajar tersebut yang kini sudah menjadi isterinya mengikuti kelas tuisyen Muhammad Shamsul Bahari sewaktu berada di Tingkatan Empat dan Tingkatan Lima.
Selepas empat tahun itu barulah mereka berkenalan secara rapat apabila Intan Syazwani Mohd Hairizan mengikuti guru tersebut di Instagram pada awal tahun ini.
Masa mengajar tuisyen tu tiada rasa apa-apa sebab saya sudah berumah tangga, tapi jodoh tidak panjang. Dia ada ‘add’ saya masa awal tahun ini di Instagram. Tapi saya tidak kenal kerana pelajar saya ramai dan muka dia pun dah lain.
Menurutnya lagi, pada awalnya dia tidak mengenali Intan Syazwani kerana wajah gadis tersebut tampak berbeza berbanding sebelum ini.Bibit-bibit perkenalan mereka bertambah mekar selepas Intan Syazwani memberanikan diri membalas pesanan pada Instastory guru fizik tersebut tentang azam tahun baharunya.
Tambahnya lagi, gadis itu membalas: “Cikgu, ‘handsome’pada Instastory berkenaan dan bermula dari detik itu hubungan mereka semakin rapat.
Dia penyayang
Saya tengok dia sangat penyayang dan pandai ambil hati anak perempuan saya yang berusia enam tahun. Tidak nampak macam dibuat-buat. Sebelum tu ada juga pelajar yang cuba-cuba, tapi bila dengan anak mereka macam kurang (layan) sedikit.
Pasangan tersebut diijab kabulkan pada 18 Ogos lalu di Masjid Al Jamiul Makmur, Kulim.
Sumber : Mstar
Is Whole Life Insurance A Good Product?
Often times it seems the world out there is anti-whole life insurance, and radio has done a great job at promoting term insurance as the end all and best insurance out there. However, most of these so called "gurus" are being paid to promote term insurance. If term insurance is so good, do we really need whole life insurance?
Let's take a look at whole life insurance and some of the advantages and see if we can't find something good in what paid spokesman are calling "crap."
Whole Life Insurance Exists
Whole life insurance exists for a reason. I mean really, if it was completely useless would it still be available? The obvious answer is no. However, there is more to it than just existing.
By definition whole life insurance is meant to last your entire life. The problems is the mentality we have in America today, and the radio is doing a great job at promoting it.
People really believe that it is easy to get a 12 percent rate of return on their money. This is a huge flaw in our thinking. So what happens, people are buying term insurance at a younger age, and then turning to whole, or permanent, insurance when they are older.
What is the problem with this though? Well, insurance gets more expensive as you get older. So, people turn to term insurance when they are young, and then as they get older, and they see that they aren't going to be able to retire when they thought they would, they still need insurance.
The problem is that insurance is much more expensive. This is a huge blow to them.
The World Today
Many American's today cannot retire. Why? Because they ate up the buy term and invest the difference mentality and it killed them.
Now they are working and many of them cannot afford insurance anymore. I'm not here to discuss the financial aspect of their decisions, so I'll avoid that. But let's talk about insurance.
Term insurance is extremely expensive once you hit 60 plus. So what happens if you are in debt and still working at 70? Insurance to cover these debts is astronomical.
So you just go uncovered and, if you die with debt, your family gets nothing. This is an unfortunate ending to a precious life.
Many of these people believed their investments would do so well that they would be millionaires by the time they were 65. However, the markets weren't so nice to them.
Whole Life Insurance
So how does whole life insurance help this sad tale turn around a bit? Simple, it's always there.
If you bought whole life insurance when you were young the cost would be higher than term insurance, however, that cost would not change. You would have that insurance for the rest of your life.
However, there are some other benefits to whole life insurance you may not be aware of.
Earnings On Your Money
Most people are not aware that after around 15-20 years of owning a typical whole life insurance policy, they have build up a cash value equal to their premiums. What does this mean? Well it means you really haven't lost any money if you put in the time.
Whole insurance is meant to have a cash value, and that cash value is meant to grow. This can be a huge plus for you.
There is also a way to shorten this time frame and actually use whole insurance as an investment, a strategy known as Becoming Your Own Bank, but you can look into that on your own.
Planning Ahead
I often find that there is a different mentality with people who buy whole insurance. Often times these people are preparing for the future, not just right now.
I am not saying whole life will change you, however there is something to the fact that many of these people are very "tomorrow oriented." There is a huge need for us in American to be planning for our future, a thought process that we lack today.
Your Entire Life
The last point is that whole life insurance lasts your entire life, no matter what. I've never understood arguments against having insurance. If you knew that by putting 100k away over your lifetime you were guaranteeing you would pass 300k on to your heirs, where is the downside in that?
Having the insurance to cover debts while you are young, and then just having it as a nest egg once you are debt free, is a very effective strategy-one that you and your family can be happy about.
This nest egg will be guaranteed to be there when you die, whether young or old.