18 L DO BN MUA BO HIM Cc l do m bn phi mua bo him 1. Bo v chng mt mt thu nhp Bn c thu nhp l bao nhiu?

Bn c bit chc rng mnh qua i khi no khng.? Nu khon thu nhp mt i v l do bn qua i sm hay b thng tt khng cn kh nng lm vic na th gia nh bn c cn nhn c khon thu nhp ny na. Vy bn lm g bo v ngun thu nhp? BH cho bn gii php gii quyt vn ny. 2. Bn chn hnh thc tit kim no? Bn mun tit kim c khon tin ln chi dng cho sau ny. Mi nm bn tit kim 5 triu. Bn phi mt bao nhiu nm c 500 triu? 100 nm? thi gian khng ngn. BH cho bn gii php tit kim bn s lun nhn c 500 triu trong 1 thi gian m bn hay gia nh bn c th ch i th bn ngh sao? c th ch cn 1 hay 2 nm, hay 10, 20 nm..... 3. C cch no to ra ti sn ln cho bn hay gia nh bn khng? Nu bn tit kim 10 triu 1 nm th phi mt 20 nm bn mi c 200 triu, nu l c chuyn g vi bn trc 20 nm th bn khng c 200 triu na. Nhng nu BH cho bn lun nhn c 200 triu d c chuyn khng may xy ra i vi bn trc 20 nm. V nghim nhin bn nhn c ngay s tin ln khng cn phi tit kim n 20 nm. 4. Nu bn cn 1 khon tin ln th bn lm g by gi? Bn cn 1 khon tin ln sau ny cho con i hc hay mua nh, mua xe th bn lm g ngay by gi? Chc chn l tit kim ri ng khng. Bn c th c mc 2. 5. Nu bn phi vo vin th bn mun ai tr tin cho bn? Sc khe l iu m mi ngi khng ni trc c. Ngay c bn rt quan tm n sc khe ca mnh nhng mi nm n th sc khe ca bn li gim 1 cht. Bn th so snh sc khe ca bn khi bn 20 tui vi lc bn 30, hay lc 30 vi 40 .... Nhng iu ng ni l con ngi c th cht v mt bnh no . Nhng nu bn nm vin th bn mun ai chi tin vin ph cho bn? Nu c hai bn ng ra tr vin ph cho bn th bn chn bn no: bn A l gia nh bn l cha m, v con bn; bn B l ngi m bn khng h quen bit. Bn chn bn no. Bn A hay B. Nu bn B th hy ni vi ti, ti s cho bn bit l ai. L BH 6. Ai l tr lng v tr cc chi ph khc cho khi bn b thng tt khng cn kh nng lm vic na? Nu bn b thng tt th chi ph cho gia nh c tng khng? Bn c thu nhp hng thng khng? hon ton khng! Tht l bt hnh lm sao khi bn vn sng m khng c thu nhp trong khi ngi thn li phi tr chi ph cao hn ngy thng. Bn ngh th no nu c k hoch m nu chuyn khng may xy ra i vi bn th bn vn c thu nhp trong khi gia nh bn v bn c 1 ngi khc ng ra chi tr cho chi ph pht sinh ca bn. 7. Gi tr con ngi bn v li ch kinh t l bao nhiu.

Bn ng gi bao nhiu? Vi 1 ngi lm ra 3 triu 1 thng. vy 1 nm l 36 triu. 10 nm l 360 triu. vy 20 nm 30 nm... l bao nhiu. Nu bn c thu nhp cao th con s khng nh u. C cch no m bo rng gi tr con ngi bn lun lun l nh vy bt k bn sng hay cht khng. Nu c gii php m gi tr con ngi bn lun c th hin th bn c tham gia khng. 8. Nu bn l doanh nhn th u t vo u l hiu qu nht? Bn dnh ra hng chc triu hng trm triu, thm ch hng t ng u t vo 1 d n kinh doanh. D bn kinh doanh gii ti c no th bn lun chu mt h s ri ro no ? bn c phng n kinh doanh no m bn khng bao gi b l khng? Nu by gi c 1 d n kinh doanh l m bo h s ri ro bng khng, v li t nht t 3 n 100 ln ty thuc thi gian, bn ngh th no? 9, Bn th hin tnh yu thng chm sc i vi gia nh tng lai ca bn nh th no? Nu bn ngh chu cp y cho gia nh ca bn ngy hm nay nhng nu bn khng cn sng chu cp tip th gia nh bn s ra sao. Nu chu cp tt c cho ngy hm nay m ngy mai c th tng thiu th tht l ng trch. Nu bn c con ci bn ngh rng mnh chu cp cho n y hm nay th bn hon thnh trch nhim. Nhng nu c iu khng may xy ra vi a con thn yu ca bn v tt c nhng th m bn xy dng cho n tr nn v ch. Bn xy dng cho con bn 1 lu i m qun xy dng tng thnh bo v lu i . Nu c gii php m s chm sc ca bn dnh cho con ci l mt bc tng vng chc trong sut qung i ca n, chnh n thay bn chm sc cho con ci bn khi bn khng cn kh nng. Chnh bn chm sc tng lai cho con ci th tng lai s chm sc n bng phng n m ti dnh cho bn 10. Nu bn cha c lng hu th cuc i khi bn x chiu s ra sao? Nu bn thy nhng cnh m cc c gi phi vt ln vi cuc sng tn ti th bn mi thy tm quan trng ca tin lng hu. Bn v hu vi 1 khon tin hng thng, nhng nu bn qua i sm th gia nh bn c nhn c tin lng hu ca bn khng, tht bt cng khi mt ngi lm lng c i v dnh ra 1 khon khi mnh v hu c 1 khon tin hng thng nhng khng may h li khng sng lu nhn n, trong khi gia nh h li khng c nhn. Bn ngh iu ny th no? Nu c phng n cho bn l d bn c lng hu hay khng nhng nu bn tham gia th bn s nhn c phn thng xng ng vi s tin m bn ng gp vo. D bn c ra i sm hay mun nhng chc chn bn hoc gia nh bn c nhn. Bn c tin khng. 11. Tm hn ca bn c thanh thn trc lc cht hay khng l do s quyt nh ca bn ngy hm nay? Con ngi khng ai trnh khi ci cht, d bn sng n 100 tui hay ch sng c vi chc nm. Vy bn chun b g cho ci cht cha? Nu bn lo lng cho ci cht chc chn n vi bn d sm hay mun th bn s lm g by gi. C hai phng n : 1 l ci cht n vi bn s l mt ni bun cho gia nh v gia nh bn s chng c g. 2 l ci cht n vi bn s l mt ni bun cho gia nh bn nhng h c c mt s an tm rng s ra i ca bn mang li ngun sng cho

c gia nh. bn chn cch no? 12. Bn chun b chi ph cho hu s ca mnh cha? Ti c 1 phng n cho bn l khi bn mt i th gia nh bn khng mt mt khon tin no cho vic chi ph hu s cho bn. M vic hu s ca bn s tht trang trng v ng hong v gia nh bn khng phi lo lng nhiu. 13. Bn c mun thu ngi bo v nhng khng cn tr lng cho anh ta khng? Bn c ngh rng mnh s c bo v min ph khng? Bn chi mt khon tin u n hng nm cho ngi bo v mnh sau anh ta tr li cho bn ng tng s tin m bn a cho ngi bo v cng thm vi khon li t khon tin . Bn c thu anh ta khng? Nu mun thu anh ta th ti s thu cho bn ngi bo v ny. anh ta c th thc v lun bn cnh bn 24h /1 ngy v 365 ngy trong 1 nm lun bo v bn v gia nh bn. 14. Bn hy bo v mnh khi cn c bo v. Sc khe ca bn c th hin nay rt tt, nhng 10 hay 20 nm na th sao. bn c dm chc n s lun khe mnh ch. Khi bn cn c sc khe th hy bo v n. ng khi vo vin ri mi bo v, khng cn kp na u. M bn bit y chi ph bnh vin khng nh cht no u. Rt nhiu ngi gp phi bi kch sau" khi chng ta c tiu chn c bo v th chng ta li s mt tin hay khng c tin, nhng khi c tin ri th li khng cn tiu chun c bo v na". Hy bo v mnh trc khi qu mun. 15. Bn c mun cht nh l triu ph khng? Bn sng trong 1 gia nh ngho hay kh hn 1 cht. Vi thu nhp hin nay th khng bao gi m ti lc no gia nh mnh s tr nn giu c (c th tr thnh triu ph). Nu c 1 k hoch m bn ch cn b ra 5 - 10% thu nhp ca mnh th trc khi cht gia nh bn chc chn tr nn giu c. V bn cht vi t cch l 1 nh triu ph thc s. Bn c tham gia khng. 16. Ti sao bn phi cht min ph? Khi bn cht th phi bt ai tr tin cho bn ch! Bng cch no ngoi vic ngi thn phi chi tin ra. Bn c mong mun iu ny khng. Nu c mt phng n m ci cht ca bn n th chc chn phi c 1 ngi tr tin cho gia nh bn v ci cht ca bn ( m c ai cha tng cht u). Nguyn l ca phng n ny l s tin m bn chi tr cho ngi lun nh hn s tin m bn hay gia nh bn nhn c t h. Ni mt cch n gin nu c ngi gi cho bn 10000 qua bu in th bn c sn sng b ra 1 nghn mua tem v phong b ngi gi cho bn 10000 khng. 17. Ca hi mn no ng gi nht m bn dnh cho con ci? Nu bn mun dnh 500 triu lm ca hi mn cho con ci sau ny th bn phi lm g? tit kim chng? Nu bn ra i sm hay khng cn kh nng lm vic th s tin bn dnh dm lm ca hi mn cho con ci c thc hin c khng. Nu c phng n m bn chc chn rng con bn s

nhn c 500 triu d iu g xy ra vi bn th bn ngh rng mnh nn tham gia khng. 18. Bn qun l tin ca mnh th no? Nu bn ngho kh th gia nh bn s ra sao nu bn khng em li thu nhp na. Nu bn l ngi kh gi th bn mun tr nn giu c th lm cch no? Nu bn giu c th bn qun l tin ca mnh nh th no, c cch no m gia nh bn lun lun giu c khng. Kim tin rt kh nhng tiu tin rt d v rt nhanh. Bn th tnh xem bn kim 500 triu trong bao lu v bn tiu ht 500 triu trong bao lu. Chnh lch v thi gian ca vic kim v tiu l cc ln. bn ngh th khng ? 18. K hoch dnh cho tt c cc bn ? Nu bn tham gia k hoch m ti dnh cho bn th gia nh bn hay bn s nhn c. a. Bn s c khon tin lng hu nu bn sng th v khng mun v gi mnh phi lm vic vt v kim sng (v gi phi ngh hu ch) . b. Bn tr thnh l ngi rt c trch nhim v d c bn hay khng th gia nh bn c chm sc. c. Gia nh bn s tr nn giu c nh s ra i ca bn. d. Bn s cho 1 khon tin ln chi tr cho vin ph ngy cng t hin nay nu iu khng may xy ra i vi bn m bn phi vo vin. e. Bn s hon thnh d nh mua xe,mua nh hay cho con ci hc hnh m chng s m c tan bin.