2015年9月14日 星期一

2015 致客戶及朋友的年度信 2015 Annual Letter to Clients and Friends

尊敬的客戶和朋友,

我們又再次渡過了一年,如果你想知道為甚麼會收到這封信,要不是你前一年剛剛成為我的客戶,或者你扔掉了我過去7年的每封年度信。每年七月,我都會寫信給我現有的客戶,告訴你我還活著(在這個行業)和分享過去一年的人生經歷。

這封年度信是遲來了,因為今年對於我是忙碌的一年,我在今年三月八日結婚(你們有些人參加了我的婚禮),然後五月去了歐洲度蜜月3個星期,我想在這裡特別感謝我的商業客戶土耳其航空公司,他們友善地給了我跟太太一個特殊安排,讓我們通過土耳其飛到英國,而且在伊斯坦堡有為期一天的免費觀光團。土耳其位於的三大洲(歐洲,非洲和亞洲)的中心並作為「樞紐」,伊斯坦布爾是一個​​迷人的城市,這是我們第一次體驗到她豐富的歷史和文化。土耳其航空公司已經連續五年榮獲Skytrax「歐洲最佳航空公司」的獎項,他們的座椅比我坐過的其他航空公司更寬,食物更好,不得不說令人印象深刻。

我和妻子前往了英國,丹麥和瑞典度蜜月,這是我於2007年大學畢業後,第一次回到英國,所以我很高興能再次訪問在英國的中學,大學和朋友,這次旅程帶給我很多回憶,而且驚呀看到那邊的改變。

我在2008年7月加入宏利,老實說,我沒想過我會在這裡待這麼長的時間。我覺得我喜歡這份工作的主要原因是靈活性和自由度,這很適合我的個性,但最重要的是,我親眼目睹了保險如何幫助了很多人,而客戶對我的信任,也是我繼續作為保險代理人的關鍵原因,現在我的客戶中大約60%是朋友和家人,20%是公司或企業,而剩下的客戶是通過其他聯繫結識的,我相信這數字會隨著時間增長。

上年我處理最大一宗的索賠是一位女士,她在2014年需要進行重大手術,醫療總費用為廿一萬港元,這是我處理過最大宗的醫療索賠,手術後她幾乎不能走路,看到她在數週就可以恢復體力,讓我感受到保險真的可以幫助一個病人康復,特別是她不需為金錢擔心時,一個普通中產,廿一萬可能是負擔得起的,但它仍然是一筆大數目,但對於一些低收入家庭,它會成為一個巨大的負擔。

最後我想談點投資,我和我的妻子有一個私人笑話:每次妻子(之前是女友)跟我一起去旅行,股市一定下跌,所以今次我變得聰明,為了可以好好享受我的蜜月,我在五月中旬已經出售了我的大部分股票套利,現在大家都知道之後發生了甚麼事,哈哈。但正如巴菲特說:「你要在別人恐懼時貪婪」,今次香港股市的重大調整是一個很好的機會投資,H股的估值實在是太便宜了,如果你有多餘的錢,購買一些黃金或石油相關的股票,然後去睡覺,你在未來3 - 5年就會變得很開心。今年就是這些話,祝大家有一個美好的來年!

此致,

嚴天浩(保險代理註冊號:08190273,強積金註冊號:074240)
2015年9月10日


Dear Clients and Friends,

Once again we have passed another year, if you are wondering why you got a letter from me, it is either you have just become my insurance client in the previous year, or you have thrown away my last 7 annual letters. Every July I will write a letter to my existing clients, telling you I am still alive (in this industry) and share my life experience in general.

This annual letter came a bit late this year since it was a busy year for me, I got married on the 8th of March (some of you have attended my wedding), then I went to Europe for honeymoon for 3 weeks in May, I would like to give a special thanks to my business client Turkish Airlines here, they are kind enough to arrange a special package for me and my wife, allow us flied to England through Turkey with a one day free tour in Istanbul. Turkey is located in the middle of the 3 continents (Europe, Africa and Asia) and act as a “hub”, Istanbul is a fascinating city, and it was our first time to experience her rich history and culture. Turkish Airlines won the Skytrax awards for Europe's Best Airline for five years in a row, their seat is wider, and the food is better than rest of the airlines I have travelled with, got to say I am impressed.

My wife and I travelled to UK, Denmark and Sweden for our honeymoon, it was my first time back to UK after my graduation in 2007, so I am very happy to revisit my college, university and many friends in UK, it brings back a lot of memories and it is amazing to see how things have changed over there. 

I have joined Manulife in July 2008, honestly I didn’t think I could last this long here. I feel the major reason why I like this job is the flexibility and freedom, it fits my character, but most importantly, the cases I witness how insurance have helped a lot of people and the trust I get from the clients around me are the key reasons why I continue to work as an insurance agent, now roughly 60% of my clients are friends and family, 20% are companies or corporation, and the remaining of you were through others connection, which I believe the figure will grow over time.

The largest claim I had last year is from a lady who had a major operation in 2014, the total medical expense is 210k Hong Kong dollar, it is the biggest medical claim I have ever dealt with, she could barely walk after the operation, to see her regain her strength in weeks make me feel how much it helps when a patient doesn’t have to worry about the money, for an average middle class, 210k might be affordable but it is still a large sum, but for some low income family, it would have become a huge burden. 

Lastly I would like to talk a little bit about investment, me and my wife have an inside joke: every time my wife (previously girlfriend) traveled with me, the stock market must fall, so I have become smarter this time, in order to for me to enjoy the honeymoon, I have taken profit and sold most of my shares in mid-May, everyone now knows what happened afterward, haha. But as Warren Buffett said: “You want to be greedy when others are fearful”, the major market correction in Hong Kong is a very good chance to invest now, the valuation of H-shares are way too cheap, if you have extra money, buy some gold or oil related stock then go to sleep, you will become very happy in the next 3-5 years. That’s all for this year, wish everyone a wonderful year ahead!

Yours Sincerely,

Yim Tien Ho Calvin (Insurance agent Reg. No.: 08190273, MPF Reg. No.: 074240)
10th of Sept, 2015