Effects on Stakeholders: Blanket Insurance Scheme (MySalam) for Low Bracket Income Owner.

Blanket Insurance Scheme is an insurance scheme, whereby, the insured or government paid a small fee and the insured were allowed to claim back a certain amount if a disaster befalls the insured.

The most common blanket insurance scheme is health insurance for the Low Bracket Income owner.

Lets us see the effects of the insurance scheme for the stakeholder: Government, Insurance Company and the Insured.

1. Government: Reduction in the burden of healthcare on government resources and better collection of healthcare revenue.

2. Insurance Company: A higher number of insured and commitment to Corporate Social Responsibilities.

3. Insured: They will have the opportunity for high-quality healthcare versus blanket universal healthcare in government hospitals.
However, their claims can only commensurate to the insured sum, transforming the insurance scheme into limited universal healthcare for the low bracket income owner. As time pass, the cost of healthcare will be more expensive as inflation set in with new technology, revised doctor fees and maintenance of hospital building, making it impossible for the limited insured sums to be viable for the long term.

4. Health practitioner: More revenue source for hospitals. However, this will encourage unnecessary investigations conducted as part of the health care plan, as profit, will be their main objectives versus necessity.

Bless Day ahead.

Yours truly,

Dr. Lion.

Consumerism: Death of all business sooner or later.

As we are entering the twenties, let us ponder on the concept of consumerism.

What is consumerism?

Consumerism is the consumer purchasing behavior that prefers to buy higher-quality goods at cheaper price as time goes on.

This makes the supplier or private company go bust as it losses its share to another company with a higher quality product at a cheaper price or if the private company is resistant to change like KODAK, NOKIA, and Burberry.

So, in order for a company to survive, they need to be very competitive and need to change with time, practicing KAIZEN or everyday improvement as a start or better if they practice the Principle of Carnibalizing their product life cycle so that the "S curve" of growth can be there.

If we don't cannibalize our own product, the competitor will.

We need a 180-degree marketing shift, in order to be the head of the pack and not the herd mentality of following the pack.

"The only constant changes."

Be Bless As Always,

Dr. Lion.

The Assets of the future.

The real assets of the future are:

1. Metals - Gold, Silver, Platinium, Copper

2. Commodity - Palm oil, Food, timber.

3. Currency - Japanese Yen, British Pound, Swiss Franc, New Zealand Dollar.

4. Collectibles - Amulet, Gems, Watches, Antique Notes, Arts and Painting.

Adams Smith coins it best "A thing is worth how much, a buyer willing to pay."

Moral of the story: Always convert something that is less valuable with something that is more valuable.

Be Bless As Always,

Dr. Lion.

How to win in Game of Chance? The Logic and Rational way.

The right way to win in Game of Chance is to use:

1. Knowledge

2. Skill

3. Attitude

4. Logic Reasoning of Luck..."You cannot win all the time...Win Some, Lose Some, Most important Income."

5. Rational..."Don't lose your head, when others lose theirs."


In order to be able to put the table on your side:

1. Increase the odds or we call probability and

2. Payables or we call pay factor to our own advantages.

3. Outpatient your competitors.


Be Bless As Always,

Dr. Lion.

The rule of the game: Cash is King

Keep your cash and wait for summer to charge with all your might and all your heart.

Wait for the silver lightning at the end of the rainbow.

Be bless,

Dr. Lion.

Law of Stock: After the stock is real dead, it will float to the surface.

Be Cheerful,
Be Merry

and wait for

the perfect pitch,
the perfect timing.

"Our Best Day will come."

Be Bless,

Dr. Lion.

Creating a successful and order organization for the 21st Century

Dear All,

We cannot break good principle, but we can break oneself going against the good principle.

I will illustrate Good Principle as an example that every vibrant organization should practice in the 21st century.

In a Good Organization, there must be:

1. Order Organization.....right person for the right job.

2. Proper Process.. a process that is proven to be effective and innovative to make it better..  eg...GMP....stands for Good Manufacturing Practice.

3. System is a process that encompass the input and output and how to match it to the bigger ecosystem.

4. Benchmark it with the standard or to the best practice in the industry.

5. Calibrate or in other words post mortem on periodical basis to make it better.
Ideally, principles such as kaizen or everyday improvement should become the manifesto of the organization.

Good luck.

God bless you,

Dr Lion.