In reality, the value of insurance lies not in handling everyday issues, but in preparing for unexpected events. It focuses on managing low‑probability risks that could have a heavy impact if they occur. Let's take a concrete look through the lens of the three most common risks faced by Hong Kong households—fire, flooding, and typhoons—to break down how home insurance works and the practical value it provides in a crisis.

Quinoa extends far beyond weight control — its rich nutrients offer significant benefits for the wellbeing of the whole family. In the following sections, we will explore the nutritional secrets of quinoa and discover how to weave this superfood into everyday meals.

Increasingly, people are choosing childlessness, marrying later, or remaining single, focusing on achieving personal goals and living a life of freedom. In this context, a core question emerges: Without children, does financial planning lose its meaning? Or is it time to step outside the traditional framework and redefine what ‘legacy’ means?