Often, we meet really nice people in life. Sometimes, we meet really nice people who might even influence the way we think. One such person for me is a fellow blogger, LP, and he is the blog master of Bully the Bear. A few years ago, I was wondering whether to opt out of Eldershield but he persuaded me not to. How did he persuade me? To save anyone who might be interested from having to scroll through the many comments generated by that blog post written in 2011 (yup, when I turned 40), here it is: "Hi Ak, ""My opinion is that u should buy. Firstly, it doesn't cost much, so 400 per month (should be claim out) is sufficient to hire help to take care of u. Of course u can argue that your passive income is more than sufficient to create your own elder shield, but this ......