Physician Scientist - American Association of Physicians of Indian ...
Physician Scientist - American Association of Physicians of Indian ...
Physician Scientist - American Association of Physicians of Indian ...
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SPECIAL ARTICLE<br />
AAPI Journal • June 2009<br />
How Not To Invest<br />
Continued from page 31<br />
few emails from some <strong>of</strong> you<br />
and I will sleep a little better if<br />
even one person is helped by<br />
my example.<br />
9. We do not understand different<br />
insurance products. I think some<br />
<strong>of</strong> us do partially understand car<br />
insurance but we do not<br />
understand the different life<br />
insurance products. Please take<br />
time to differentiate Term Life,<br />
Whole Life and NEVER buy<br />
UNIVERSAL LIFE because it is<br />
linked to the market. There are<br />
certain insurance policies and<br />
long-term care plans with “return<br />
<strong>of</strong> principle” but these products<br />
have small honest commissions,<br />
so the agents don’t push them.<br />
Ask for them. It is perfectly okay<br />
to ask upfront how much<br />
commission the agent is making.<br />
10. We do not spend enough<br />
money on educating<br />
ourselves. I would encourage<br />
everyone to take a course with<br />
your own money (NOT<br />
SPONSORED by anyone) to<br />
comprehend money<br />
management. Please make<br />
yourself and your family<br />
members aware <strong>of</strong> government<br />
agencies that regulate<br />
investments and insurance<br />
companies because there is<br />
wealth <strong>of</strong> information on their<br />
websites.<br />
In closing I would like to thank all<br />
<strong>of</strong> you for being a member <strong>of</strong> AAPI.<br />
Please be involved, please be<br />
responsive. PLEASE SAFEGUARD<br />
YOUR ORGANIZATION. Your<br />
feedback is crucial to make AAPI a<br />
coherent, dynamic, and successful<br />
organization. DO NOT INVEST LIKE<br />
ME but do send a little prayer into<br />
the cosmos because I strongly believe<br />
in creating good VIBRATIONS.<br />
Join AAPI for a Family Cruise August 6-10, 2009<br />
on the CARNIVAL TRIUMPH<br />
4 day Canada/New England cruises from New York, NY<br />
This cruise from New York City is the ideal summer getaway. In Addition to<br />
pampering “Fun Days” at Sea cruising along the scenic coast <strong>of</strong> New<br />
England, you’ll visit Saint John, New Brunswick. From this historic and<br />
scenic town, you’ll marvel at the beautiful Bay <strong>of</strong> Fundy which has the<br />
highest tides in the world and features a natural phenomenon called<br />
Reversing Falls. On this cruise, you’ll enjoy one fun adventure after another.<br />
AAPI President: Dr. Sanku Rao<br />
President Elect: Dr. Vinod Shah<br />
For CME in<strong>of</strong>, please contact Dr. Jayesh Shah<br />
at (210) 289-5946<br />
ELITE TRAVEL<br />
PHONE: 210-340-2555<br />
800-209-6951<br />
vasu@elitetravel.info<br />
www.elitetravel.info<br />
www.aapiusa.org<br />
33
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