Hi Fellow friends of my Blog, I am finally back for Blogging since so many donkey Months. This entry will be my 1st since the beginning of 2013. First of all, I wanna wish everyone a Happy Lunar New Year. Gong Xi Fa Cai.
My appology to update my blog after so many months interval. As I was busy with my family Matters. And today I am going to share with you on my Personal Experience with my Dad's Illness.
My dad was a ALS patient, which was a Neuro Disease. In Singapore, every year there are only 50 people diagnosed this condition. This neuro disease actually was the nerve that control our body Muscle have been sort of broken or destroy. Therefore when this happen it will cause your whole body muscle to loose its function. Below is a Video on ALS disease.
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This entry to create awareness of this condition. As the Long term care for this type of patient in Singapore wasnt really aware. And in terms of financially support, it can be a huge headache for your loved ones. Above this is my own experience. Will share with you more again
Monday, February 18, 2013
Friday, October 05, 2012
Will --> Tools used in Estate Planning
To begin with, all of us must understand what is Estate Planning. Is Estate Planning neccessary for only for Rich people? For middle income earners like 95% of the population, do they need to? The answer is YES.
Actually Estate Planning is a process that involves Evaluation of an Individual's financial & personal circumstances in order to prepare for future financial needs and the needs of his dependents.
The First tools which I am planning to share with you all are WILL. In making A WILL, the testator have to appoint an executor (who is above 21 yrs old, mentatily sound and is a non bankruptcy person) to help him to distribute the assets according to his WILL. If this is used, it can only be excerise during the Death of the testator. And the deceased's Estate have to undergo the "Probate Process". Probate is the Court Order authorizing the executor appointed to administer the deceased's estate. The executor have to extract the grant of the Probate before he can distribute the property according. *The executors can be the beneficiaries of the deceased.
Actually Estate Planning is a process that involves Evaluation of an Individual's financial & personal circumstances in order to prepare for future financial needs and the needs of his dependents.
The First tools which I am planning to share with you all are WILL. In making A WILL, the testator have to appoint an executor (who is above 21 yrs old, mentatily sound and is a non bankruptcy person) to help him to distribute the assets according to his WILL. If this is used, it can only be excerise during the Death of the testator. And the deceased's Estate have to undergo the "Probate Process". Probate is the Court Order authorizing the executor appointed to administer the deceased's estate. The executor have to extract the grant of the Probate before he can distribute the property according. *The executors can be the beneficiaries of the deceased.
Tuesday, August 21, 2012
August 2012
Hi Everyone, I am finally back to Blogging after such a long Delay. An Important person to me have Passed away during the Begining of August. Which is my Uncle, whom I mention in my entries before. He have finally gets his relief after 8 months fight with the Cancer. And I believe my Uncle currently will be having a peace of mind in another world, without any arguement with the Sons.
I understand that from my previous posts, I share about Estate Planning. And I promise you guys before I will share more in deep based on my understanding in another entry. But today I wanna share with you guys some interesting Quotes which I gotten from different places, and disclaimer I do not own them, I just find it interesting and wanna share with you all.
Sunday, July 15, 2012
Taxation and Estate Planning
Have been 2 months since I last updated my entry. Been quite occupied with my studies in Chartered Financial Consultant (CHFC) certification. Have failed my Modules 3 exam 2 times then passed in the 3rd time.
In this 3rd module, I learned about Taxation and Estate Planning. In taxation, I understand, how do IRAS calculate our individual taxes, and what is classified under tax deductible and what's not. For Biz owner, like self-employed or Partnership biz, what is kind of biz expenses are deductible. ;> And under Estate Planning, what is essential tools to use WILL, NOMINATION, TRUST and POWER OF ATTORNEY etc.
The several tools serve different purposes in Estate Planning. I will share with you all more regards about the Individual Estate Planning tools in my next entry soon.
A short video on Basic of Estate Planning,
In this 3rd module, I learned about Taxation and Estate Planning. In taxation, I understand, how do IRAS calculate our individual taxes, and what is classified under tax deductible and what's not. For Biz owner, like self-employed or Partnership biz, what is kind of biz expenses are deductible. ;> And under Estate Planning, what is essential tools to use WILL, NOMINATION, TRUST and POWER OF ATTORNEY etc.
The several tools serve different purposes in Estate Planning. I will share with you all more regards about the Individual Estate Planning tools in my next entry soon.
A short video on Basic of Estate Planning,
Friday, April 27, 2012
Poor, Middle Class or Rich?
The 1st things, I understand from the speaker (who is the CEO of the success resources, and his mentor is Mr Robert Kiyosaki). There are basicially 3 different classes of people,
1> Poor, are those people who totally doesnt have any clue on Money, who cant wait to get rid of their money the moment when they got their salary. Worst is that they live on Credits. Spend more than what they earn.
2> Middle Class, are those people with little knowledge on Money, and usually their liabilities are more than their assets.
3> Rich, are those people who can let their money work hard for them, and usually their assets are more than their liabilities. And they have more money left behind after minus off their expenses.
And the next things, I understand are
1> The differences between Poor and Broke. Do anyone of you understand what are the different? And which one is more worst?
The speaker mention about this, and he say Broke is just temporary and Poor is forever. Actually what he really meant was that Broke just means that you doesnt have money now, but you never lost hope in doing the things you want to do. On the other hand, Poor is not only dont have the money, but also think that no matter how hard you try, the things doesnt work out. So you choose to stay at what you are doing without doing new things.
2> Do you all know what is the difference between rich and wealthy then? Which one do you wanna be? As for me, I want to be Rich and Wealthy at the same time. ;>
The main difference between these 2 actually are very simple, Rich is just having the money but doesnt have the time to spend. Today I can win a lottery and become Rich over night. But doesnt mean that I can keep the money if I do not have the right financial education. Meanwhile, Wealthy means not only be rich but also have the luxury of time to do whatever things you wanna do and you have the ability to keep the money by your side cos you have the right financial education.
Hopefully, after reading this entry, you guys will be able to understand the theory behing it and be a Rich and Wealthy Person by having the right financial education. ;>
Just in case, if anyone interested to know who is Robert Kiyosaki, here is a video of him..
1> Poor, are those people who totally doesnt have any clue on Money, who cant wait to get rid of their money the moment when they got their salary. Worst is that they live on Credits. Spend more than what they earn.
2> Middle Class, are those people with little knowledge on Money, and usually their liabilities are more than their assets.
3> Rich, are those people who can let their money work hard for them, and usually their assets are more than their liabilities. And they have more money left behind after minus off their expenses.
And the next things, I understand are
1> The differences between Poor and Broke. Do anyone of you understand what are the different? And which one is more worst?
The speaker mention about this, and he say Broke is just temporary and Poor is forever. Actually what he really meant was that Broke just means that you doesnt have money now, but you never lost hope in doing the things you want to do. On the other hand, Poor is not only dont have the money, but also think that no matter how hard you try, the things doesnt work out. So you choose to stay at what you are doing without doing new things.
2> Do you all know what is the difference between rich and wealthy then? Which one do you wanna be? As for me, I want to be Rich and Wealthy at the same time. ;>
The main difference between these 2 actually are very simple, Rich is just having the money but doesnt have the time to spend. Today I can win a lottery and become Rich over night. But doesnt mean that I can keep the money if I do not have the right financial education. Meanwhile, Wealthy means not only be rich but also have the luxury of time to do whatever things you wanna do and you have the ability to keep the money by your side cos you have the right financial education.
Hopefully, after reading this entry, you guys will be able to understand the theory behing it and be a Rich and Wealthy Person by having the right financial education. ;>
Just in case, if anyone interested to know who is Robert Kiyosaki, here is a video of him..
Sunday, April 22, 2012
Managing your Money Easily (2)
April is coming to an end soon. I nearly forgot that I still own my reader another part of my entry regarding Managing your Money Easily the RULES #4 to 6. Been quite occupied in attending Baby Shower of Clients and Friends.
RULE #4, RE-FINANCE YOUR MORTGAGE LOANS. With the current competative rate among the banks, there is no lack of attractive loan package. So if you have fulfilled your lock-in period for your Home MOrtgage, it is a good time to look at re-financing it. The savings from a re-finance loan can be quite substantial due to the interest difference (but be sure taken into consideration the cost involved for re-financing). An equally good solution would be for your current financing bank to re-price your mortgage package at the rates aligned with prevailing ones. If the amount is significant enough, you can consider using it to knock down your mortgage principal which can reduce your monthly installment amount or loan tenor effectively.
RULE #5, LOOK OUT FOR OFFERS HELP YOU TO SAVE AS YOU SHOP. It's the year end and festive season is high, feel free to indulge yourself and family on that well deserved holiday, home entertainment system, family cars etc. But be on diligent lookout for good offers and special promotions which can enable you to save as you shop. Scan your daily tabloids carefully for discounts on travel, food. electrical appliances etc. And dont be so quick to delete those GROUPON or bigdeal spams that find their way to your inbox (just be sure to read the terms and conditions).
RULE #6, USE YOUR CREDIT CARDS TO YOUR ADVANTAGE. We have been warned against the indiscretionary use of Credit Cards. However, if you are able to settle your cards bills fully and on time, they are very good instruments for you to earn cash rebates to offset future bills or gain reward points to redeem for air travel, dinning or other forms of retail purchases. So there is not need to stay away from Credit cards if you use them wisely, appropriately and to your advantage.
In conclusion, decide now and start taking concrete actions for your financial future. The choice is infront of us: either you take action now to enjoy your retirement, or do nothing now to retire from your enjoyment.
RULE #4, RE-FINANCE YOUR MORTGAGE LOANS. With the current competative rate among the banks, there is no lack of attractive loan package. So if you have fulfilled your lock-in period for your Home MOrtgage, it is a good time to look at re-financing it. The savings from a re-finance loan can be quite substantial due to the interest difference (but be sure taken into consideration the cost involved for re-financing). An equally good solution would be for your current financing bank to re-price your mortgage package at the rates aligned with prevailing ones. If the amount is significant enough, you can consider using it to knock down your mortgage principal which can reduce your monthly installment amount or loan tenor effectively.
RULE #5, LOOK OUT FOR OFFERS HELP YOU TO SAVE AS YOU SHOP. It's the year end and festive season is high, feel free to indulge yourself and family on that well deserved holiday, home entertainment system, family cars etc. But be on diligent lookout for good offers and special promotions which can enable you to save as you shop. Scan your daily tabloids carefully for discounts on travel, food. electrical appliances etc. And dont be so quick to delete those GROUPON or bigdeal spams that find their way to your inbox (just be sure to read the terms and conditions).
RULE #6, USE YOUR CREDIT CARDS TO YOUR ADVANTAGE. We have been warned against the indiscretionary use of Credit Cards. However, if you are able to settle your cards bills fully and on time, they are very good instruments for you to earn cash rebates to offset future bills or gain reward points to redeem for air travel, dinning or other forms of retail purchases. So there is not need to stay away from Credit cards if you use them wisely, appropriately and to your advantage.
In conclusion, decide now and start taking concrete actions for your financial future. The choice is infront of us: either you take action now to enjoy your retirement, or do nothing now to retire from your enjoyment.
Thursday, April 19, 2012
Insurance rep : the man you like to hate
After watching this video, would make you change the perception of What Insurance Adviser or Financial COnsultant do. In our job scope is simply very simply is enable you to understand what you can do beside working hard for MONEY, dont forget the importance of getting yourself and family covered in terms of the MISHAPs.
Wednesday, March 28, 2012
Managing your Money Easily.
Had been quite a long time since my last entry in 15th March, have been quite occupied with my appointments and having lots of Baby Shower to attend.
So happy for my friends and clients who gotten married and having their own family. In the early March, went to attend a friend of my hubby baby full month. And was quite surprise to know that his baby went for checkup yesterday and discover that he have 2 small hole in his heart. May God bless this baby, everything will turn out fine. Every Parents would wish that their child would be perfect health, but somehow or rather sometime it is unavoidable.
For Parents to be, please take note of my previous entry on Baby Insurance. Currently only 2 companies having this kind of Insurance. Do view the page for more information.
I would like to share on a interesting article which I gotten from my IFPAS Quaterly Magazine, which is MANAGING YOUR MONEY IN 6 SIMPLE WAYS.
I believe every company have their own budgeting before a Brand new year come. And why cant us, also have a budgeting before a brand new year arrive? In this article it stated about 6 rules in managing your $$$$.
RULE #1, PAY YOURSELF FIRST. To be sure of paying yourself first, you need to make a commitment to set aside regular amount every month from your paycheck, and make this money work harder for you. This can be done by buying a regular endowment savings or a regular investment plan. These 2 are systematic and automatic ways to help you to "get pay 1st" every month before anything else. It also help you to battle the EVIL inflation so you can maintain your current purchasing power.
RULE #2, SAVE UP TO 30% OF YOUR INCOME. It is always tempting for us to "enjoy now and think later". And this kind of thinking can be slippery path down to disaster for our financial in mid to long term with great impact on our CHILD's education and also our own retirement plans. So begin to set aside 30% of your income in an automatic and systematic way mention in RULE #1 NOW.
RULE #3, LEVERAGE ON THE POWER OF COMPOUNDING INTEREST. When we talk about Financial Planning, what is on your mind currently? Base on my experience in this financial planning industry, everyone always say NOT NOW, TOO BUSY, NOT AT THIS MOMENT etc... And many people like to procastinate the idea of financial planning. Procastination will have a toll on the ability to harness greater returns on their investments. Compounding interests is a powerful tool but its potential can be maximised full with a long term horizon. Moreover, with a longer time horizon, the investment risk factor is also reduced in the long run. Example; if you start saving $1000 monthly at age 40 for 25 years. At AGE 65, an estimated 5% pa returns from a diversified portfoilio of assets classes, your capital of $300 000 will accumulate to $572 725. But however, if you started accumulating earlier at age 25, with the same rate of returns, you only need to save $625 monthly for 40 years for the same principle amount of $300 000, and your accumulation would also increased 1.5 times to $905 998.
I shall end here. Look out for my next entry on RULE #4-6.
So happy for my friends and clients who gotten married and having their own family. In the early March, went to attend a friend of my hubby baby full month. And was quite surprise to know that his baby went for checkup yesterday and discover that he have 2 small hole in his heart. May God bless this baby, everything will turn out fine. Every Parents would wish that their child would be perfect health, but somehow or rather sometime it is unavoidable.
For Parents to be, please take note of my previous entry on Baby Insurance. Currently only 2 companies having this kind of Insurance. Do view the page for more information.
I would like to share on a interesting article which I gotten from my IFPAS Quaterly Magazine, which is MANAGING YOUR MONEY IN 6 SIMPLE WAYS.
I believe every company have their own budgeting before a Brand new year come. And why cant us, also have a budgeting before a brand new year arrive? In this article it stated about 6 rules in managing your $$$$.
RULE #1, PAY YOURSELF FIRST. To be sure of paying yourself first, you need to make a commitment to set aside regular amount every month from your paycheck, and make this money work harder for you. This can be done by buying a regular endowment savings or a regular investment plan. These 2 are systematic and automatic ways to help you to "get pay 1st" every month before anything else. It also help you to battle the EVIL inflation so you can maintain your current purchasing power.
RULE #2, SAVE UP TO 30% OF YOUR INCOME. It is always tempting for us to "enjoy now and think later". And this kind of thinking can be slippery path down to disaster for our financial in mid to long term with great impact on our CHILD's education and also our own retirement plans. So begin to set aside 30% of your income in an automatic and systematic way mention in RULE #1 NOW.
RULE #3, LEVERAGE ON THE POWER OF COMPOUNDING INTEREST. When we talk about Financial Planning, what is on your mind currently? Base on my experience in this financial planning industry, everyone always say NOT NOW, TOO BUSY, NOT AT THIS MOMENT etc... And many people like to procastinate the idea of financial planning. Procastination will have a toll on the ability to harness greater returns on their investments. Compounding interests is a powerful tool but its potential can be maximised full with a long term horizon. Moreover, with a longer time horizon, the investment risk factor is also reduced in the long run. Example; if you start saving $1000 monthly at age 40 for 25 years. At AGE 65, an estimated 5% pa returns from a diversified portfoilio of assets classes, your capital of $300 000 will accumulate to $572 725. But however, if you started accumulating earlier at age 25, with the same rate of returns, you only need to save $625 monthly for 40 years for the same principle amount of $300 000, and your accumulation would also increased 1.5 times to $905 998.
I shall end here. Look out for my next entry on RULE #4-6.
Friday, March 09, 2012
The Legacy You Leave?
All You will leave behind for the world to remember is
Your Legacy, so ask yourself: Will you have earned the respect of your peers and the admiration of your critics? Will you have acted humbly at the peak of success and graceful in the face of defeat? Will you have kept your childlike wonder and reveled in the beauty of the world and the small miracles that each day brought?
Will you be remembered for how often you laughed and brought smiles to the hearts of others? Will small children and the elderly have been overjoyed to be around you? Will others have trusted you with their inner most secrets? Will you have forgiven and offered heartfelt apology? Will you have looked for the very best, and done your utmost to build worth, in orders? Will you have fed a hungry child or clothed a naked man or given hope to a stranger in dire need? Will you have left this world a better place by the life you have lived? What kind of Legacy will You Leave? All your actions, words, and knowledge that you share while you are living become the gift that you leave when you are gone.
Quoted ~ Jim Allen
.
Your Legacy, so ask yourself: Will you have earned the respect of your peers and the admiration of your critics? Will you have acted humbly at the peak of success and graceful in the face of defeat? Will you have kept your childlike wonder and reveled in the beauty of the world and the small miracles that each day brought?
Will you be remembered for how often you laughed and brought smiles to the hearts of others? Will small children and the elderly have been overjoyed to be around you? Will others have trusted you with their inner most secrets? Will you have forgiven and offered heartfelt apology? Will you have looked for the very best, and done your utmost to build worth, in orders? Will you have fed a hungry child or clothed a naked man or given hope to a stranger in dire need? Will you have left this world a better place by the life you have lived? What kind of Legacy will You Leave? All your actions, words, and knowledge that you share while you are living become the gift that you leave when you are gone.
Quoted ~ Jim Allen
.
Tuesday, March 06, 2012
CPF LIFE
Been quite a long time never blogging and finally I am back now. Plan to blog down the changes of the recent CPF Life that Singapore Government imposed.
I believe that since end 2009, CPF LIFE scheme allows elderly Singaporeans to receive a monthly income for as long as they live, with the amount depending on their savings in their Retirement Account (RA).
Currently, Singaporeans opting into CPF LIFE can choose from four plans, the Plus, Basic, Income, and Balance plans.
With the changes to the scheme, CPF LIFE will comprise of a new default Standard Plan — which combines the Balance and Plus Plans — and the current Basic plan. The Income Plan will be dropped
Hopefully these information are useful to some people reaching 55 years by Jan 2013. Personally, I feel that these CPF LIFE scheme is beneficious for people as now people have longer Life Spend. But the monthly payout isnt enough to depend on. Therefore dont you think that is important to grow your retirement funds instead of relying on your existing CPF.
Is important to do FInancial Planning for yourself as early as possible in order to step into Financial Freedom.
I believe that since end 2009, CPF LIFE scheme allows elderly Singaporeans to receive a monthly income for as long as they live, with the amount depending on their savings in their Retirement Account (RA).
Currently, Singaporeans opting into CPF LIFE can choose from four plans, the Plus, Basic, Income, and Balance plans.
With the changes to the scheme, CPF LIFE will comprise of a new default Standard Plan — which combines the Balance and Plus Plans — and the current Basic plan. The Income Plan will be dropped
Hopefully these information are useful to some people reaching 55 years by Jan 2013. Personally, I feel that these CPF LIFE scheme is beneficious for people as now people have longer Life Spend. But the monthly payout isnt enough to depend on. Therefore dont you think that is important to grow your retirement funds instead of relying on your existing CPF.
Is important to do FInancial Planning for yourself as early as possible in order to step into Financial Freedom.
Sunday, February 19, 2012
Lasting Power of Attorney
Back to Blogging finally since my Last entry on the 7th Feb. Have been quite busy with my Business, running appointments due to the Saving Promotion which I share on my Last Entry.
Now I am going to share on a interesting topic which is recently quite a Hotties In Singapore, which is Lasting Power of Attorney.
For more information, do visit this website www.publicguardian.gov.sg
Now I am going to share on a interesting topic which is recently quite a Hotties In Singapore, which is Lasting Power of Attorney.
For more information, do visit this website www.publicguardian.gov.sg
Tuesday, February 07, 2012
Promotion for Saving
Since Chinese New year have already ended, is time for us to back to reality and work. As this year have just started not long ago, isnt it time for us to sit down and really think thru what are we suppose to do in this remaining months of this year?
Everyone must be thinking that I am preaching about motivation, goal setting etc... In fact is true not only in terms of goal setting in your ambitious or sale target or how much you wanna earn.. Dont forget about your financial goal in terms of insurance, retirement funding etc..
I am just back from my gathering today with some of my girl friend, and I got home with a thoughts in my mind. What happen when I am old, will I be able to achieve the lifestyle I wanna have or even maintain the current lifestyle I have now with the TERRIBLE INFLATION rate chasing after me every single year.
Therefore I urge all of you not only enjoying the present moment also dont forget to be prepare for the future to come. Do engage your consultant now to do a planning for yourself and family.
Current Promotion which my Company is having.. (just to share)
Prudential Saving Promotion Link
Everyone must be thinking that I am preaching about motivation, goal setting etc... In fact is true not only in terms of goal setting in your ambitious or sale target or how much you wanna earn.. Dont forget about your financial goal in terms of insurance, retirement funding etc..
I am just back from my gathering today with some of my girl friend, and I got home with a thoughts in my mind. What happen when I am old, will I be able to achieve the lifestyle I wanna have or even maintain the current lifestyle I have now with the TERRIBLE INFLATION rate chasing after me every single year.
Therefore I urge all of you not only enjoying the present moment also dont forget to be prepare for the future to come. Do engage your consultant now to do a planning for yourself and family.
Current Promotion which my Company is having.. (just to share)
Prudential Saving Promotion Link
Thursday, February 02, 2012
Heart Palpitation
Today I came across an article frm YAHOO NEWS, about heart palpitations.
A palpitation is an abnormality of heartbeat often accompanied by difficulty breathing. Heart palpitations can be symptoms of illnesses such as coronary heart disease, asthma, emphysema, and lung cancer. Attacks can last for a few seconds or hours, and may occur very infrequently, or more than daily. Palpitations alongside other symptoms, including sweating, faintness, frequent headaches, chest pain or dizziness, indicate irregular or poor heart function and should be investigated. (a defination from WIKIPEDIA)
You can check the link for more information under the YAHOO NEWS.
Singaporeans increasingly suffering from heart palpitations
Hope the above information can benefits you in some medical knowledge. ;>
A palpitation is an abnormality of heartbeat often accompanied by difficulty breathing. Heart palpitations can be symptoms of illnesses such as coronary heart disease, asthma, emphysema, and lung cancer. Attacks can last for a few seconds or hours, and may occur very infrequently, or more than daily. Palpitations alongside other symptoms, including sweating, faintness, frequent headaches, chest pain or dizziness, indicate irregular or poor heart function and should be investigated. (a defination from WIKIPEDIA)
You can check the link for more information under the YAHOO NEWS.
Singaporeans increasingly suffering from heart palpitations
Hope the above information can benefits you in some medical knowledge. ;>
Wednesday, January 25, 2012
Happy Dragon Lunar year to everyone !!
Welcoming this Golden Dragon year, I wished the world have a peace of mind without riots, natural disaster and also to all my friends a Happy Dragon 2012 ahead.
Here are some Links which I came across during My Breaks in this Long Holiday (even though as a married woman everything seems so different). For people out there who are planning to have a make over in your own personal finances, do check this out.
1> 5 reason you need a personal budget of your own finances. I believe most people out there doesnt plan your own budget. This quoted frm Yahoo News, which I found it interesting might give you n you reason why you need personal budget.
Yahoo News (5 reasons you need a budget.)
2> Another one is 50 ways to improve your finances in 2012. Now is still early to plan ahead for yourown 2012. Have a Make over not only in terms of your own appearance and also your own finances.
50 ways to improve your finances in 2012
3> The last one is applicable to both Married and also dating couples. These are some mistakes whereby couples often make in terms of finances.
Biggest $$$ mistake couple Make
Hopefully everyone in anywhere are healthly and able to make their financial goal come true. ;>
Here are some Links which I came across during My Breaks in this Long Holiday (even though as a married woman everything seems so different). For people out there who are planning to have a make over in your own personal finances, do check this out.
1> 5 reason you need a personal budget of your own finances. I believe most people out there doesnt plan your own budget. This quoted frm Yahoo News, which I found it interesting might give you n you reason why you need personal budget.
Yahoo News (5 reasons you need a budget.)
2> Another one is 50 ways to improve your finances in 2012. Now is still early to plan ahead for yourown 2012. Have a Make over not only in terms of your own appearance and also your own finances.
50 ways to improve your finances in 2012
3> The last one is applicable to both Married and also dating couples. These are some mistakes whereby couples often make in terms of finances.
Biggest $$$ mistake couple Make
Hopefully everyone in anywhere are healthly and able to make their financial goal come true. ;>
Sunday, January 15, 2012
No tittle day
How I spend my Sunday? I went to visit my Uncle (whom is the brave one fighting against Cancer) at Simei his house. Before I went to his house I am meeting a Client whom I haven meet for quite sometime due to lots of things happening to his family. Last year, a number of incident happen to this client of mine whom have a mild stroke in June 2011, and he is really working very hard to recover from the stroke. And after when he got back to work in Nov last year, he had a huge pay cut. I feel quite bad as I am not able to help him much as he had a pre exisiting condition of Diabetes, therefore all this Critical Illness coverage was excluded. As this client of mine is the main bread winner of his family and his pay cut can affect his whole family lifestyle they used to have. And his dad have passed away last year too, and leave quite a big sum of Hospitalisation bill for him to clear. Of course, my client cant blame his father to be like that as the older generation are not educated in the sense of Insurance, that's why they never get themselves insured. So my poor client have to bear the burden of the bills his dad have and his own hospitalisation bills.
After meeting my client and his family, I went to my uncle house. I was very shocked to see my uncle that he have become very boney. As he doesnt hae any appetite to eat anything, this might due to effect of his chemotherapy. He also have to bear lots of expenses on top of his treatment, like the supplement for his body immune and a milk powder exclusively for Cancer Patient to induce Body Weight. And the supplement costs a bottle of $100 plus, and also the milk powder cost $30 plus (which can last for 3 days only). You can imagine how much my uncle need to pay per month? The worst thing is that his children cant able to pay for him, and my uncle have to use his own saving to pay for all this including his chemo every month ($2700) as he doesnt have Insurance anymore after his 1st claim on Nose Cancer.
For those who are healthy now doesnt mean that gd health will wait for you forever. Do get yourself fully cover first before you become a burden to others (especially your loved ones). How you want your loved ones to remember you? Would you want to leave a $1 million legacy behind or a huge debts behind?
After meeting my client and his family, I went to my uncle house. I was very shocked to see my uncle that he have become very boney. As he doesnt hae any appetite to eat anything, this might due to effect of his chemotherapy. He also have to bear lots of expenses on top of his treatment, like the supplement for his body immune and a milk powder exclusively for Cancer Patient to induce Body Weight. And the supplement costs a bottle of $100 plus, and also the milk powder cost $30 plus (which can last for 3 days only). You can imagine how much my uncle need to pay per month? The worst thing is that his children cant able to pay for him, and my uncle have to use his own saving to pay for all this including his chemo every month ($2700) as he doesnt have Insurance anymore after his 1st claim on Nose Cancer.
For those who are healthy now doesnt mean that gd health will wait for you forever. Do get yourself fully cover first before you become a burden to others (especially your loved ones). How you want your loved ones to remember you? Would you want to leave a $1 million legacy behind or a huge debts behind?
Monday, January 09, 2012
Stroke Information
Past Sunday, I came across an article regarding about one Local DJ have a mild stroke occurs suddenly. And this make me think of one of my Colleagues and also Client. I have decide to share on some information on Stroke.
A stroke occurs when blood supply to a part of the brain is cut off, and the cells in that part of the brain dies. When this happens, the functions that are controlled by that part of the brain are lost. Depending on which part of the brain is affected, a person may have different symptoms.
Blood is brought to the brain by blood vessels called arteries. A stroke happens when an artery to the brain is blocked or bursts. This may be due to high blood pressure or a weak artery wall from birth.
Causes of Stroke besides Age and Family History, another factors are our lifestyle, like smoking, stress, Overweight etc. Some medical conditions if not controlled properly can also increase the risk of Stroke, which are High Blood Pressure, Diabetes, High LDL Cholestrol and Atrial Fibrillation (a heart rhythm disorder)
A Video below share on Stroke,
A stroke occurs when blood supply to a part of the brain is cut off, and the cells in that part of the brain dies. When this happens, the functions that are controlled by that part of the brain are lost. Depending on which part of the brain is affected, a person may have different symptoms.
Blood is brought to the brain by blood vessels called arteries. A stroke happens when an artery to the brain is blocked or bursts. This may be due to high blood pressure or a weak artery wall from birth.
Causes of Stroke besides Age and Family History, another factors are our lifestyle, like smoking, stress, Overweight etc. Some medical conditions if not controlled properly can also increase the risk of Stroke, which are High Blood Pressure, Diabetes, High LDL Cholestrol and Atrial Fibrillation (a heart rhythm disorder)
A Video below share on Stroke,
Thursday, January 05, 2012
Looking for Renewal for Car Insurance?
As you have notice that I am also dealing with Car insurance.
Welcome people who are looking for renewal for their car insurance. Do feel free to quote with me. Able to give you comparable quotes among several Insurance Company.
Support me by Liking my Page in Facebook.
Welcome people who are looking for renewal for their car insurance. Do feel free to quote with me. Able to give you comparable quotes among several Insurance Company.
Support me by Liking my Page in Facebook.
Sunday, January 01, 2012
Interesting Commercial Video.
A Happy new year to all my Readers and Fans. May all of you have a Great year ahead in this Wonderful Dragon 2012.
I am sharing with you some Commercial Videos in Singapore regarding about Insurance.
No people plan to fail but people failed to plan. So start planning now. Seek professional help if you do not know how to begin.
I am sharing with you some Commercial Videos in Singapore regarding about Insurance.
No people plan to fail but people failed to plan. So start planning now. Seek professional help if you do not know how to begin.
Wednesday, December 28, 2011
Women needs to take control of own finances NOW.
Hi everyone, Christmas have already over. All of you have a great one last week? I had a Great Christmas last week with my family over a dinner. Haven't been updating my blog for Days. And finally I am back to Blogging now before the brand new 2012 is coming.
Thinking of what I have done in this year 2011 besides status changes, frm Miss to Mrs or Mdm. And the rest seems to be the same. Although some of you might think that since I am married, I do not need to earn alot as this is the role of a man isnt it? But to me I still think that Woman still need to be somehow finanical independent too.
An article which I found from Srait Times in year 2006, although it might be quite sometimes but however I think is still important to know. The reason why women need to take control of their own finances is as the reason below;
1> Women have longer Life Expectancy than Men.
2> Women have shorter career. As women mostly after married will work part time so they can take time off for Family needs.
3> Women earns lesser than Men, as we have shorter career span, therefore just before retirement an average men will have ard 1.7 times more $$$ in their CPF as compare to Women.
4> Divorce rate is getting higher each year. And the living standard for a man after divorce goes up while the women goes down.
So common all Ladies and women, regardless married or Single now, pls take Note that we should have our OWN insurance policies including Hospitalisation medical needs, build our own nest of Eggs above any joint savings or investment which have with our husband. Save as much money as you can while still single. And also buy your marital home in JOINT Tenancy so to ensure the property automatically goes to the surviving spouse in the event of Death.
Above all is what I wanna share. Hopefully the information is useful to you. ;> If you do not know how to proceed on, engage your consultant now or you can drop me an email. And I can share with you my 2 cents worth.
Thinking of what I have done in this year 2011 besides status changes, frm Miss to Mrs or Mdm. And the rest seems to be the same. Although some of you might think that since I am married, I do not need to earn alot as this is the role of a man isnt it? But to me I still think that Woman still need to be somehow finanical independent too.
An article which I found from Srait Times in year 2006, although it might be quite sometimes but however I think is still important to know. The reason why women need to take control of their own finances is as the reason below;
1> Women have longer Life Expectancy than Men.
2> Women have shorter career. As women mostly after married will work part time so they can take time off for Family needs.
3> Women earns lesser than Men, as we have shorter career span, therefore just before retirement an average men will have ard 1.7 times more $$$ in their CPF as compare to Women.
4> Divorce rate is getting higher each year. And the living standard for a man after divorce goes up while the women goes down.
So common all Ladies and women, regardless married or Single now, pls take Note that we should have our OWN insurance policies including Hospitalisation medical needs, build our own nest of Eggs above any joint savings or investment which have with our husband. Save as much money as you can while still single. And also buy your marital home in JOINT Tenancy so to ensure the property automatically goes to the surviving spouse in the event of Death.
Above all is what I wanna share. Hopefully the information is useful to you. ;> If you do not know how to proceed on, engage your consultant now or you can drop me an email. And I can share with you my 2 cents worth.
Wednesday, December 21, 2011
What is Thyroid Cancer?
After so many days since my Last update on Pregnancy insurance, which didnt get much response from my Readers. Hopefully the thing I am going to share today would interests some of you.. ;>
Recently I came by some older articles, and something catch my attention. And this just happen to some people around me, my Mother and also some clients. And this condition might be uncommon to the public, which is Thyroid.
Thyroid disorders can range from a small, harmless goiter (enlarged gland) that needs no treatment to life-threatening cancer. The most common thyroid problems involve abnormal production of thyroid hormones. Too much thyroid hormone results in a condition known as hyperthyroidism. Insufficient hormone production leads to hypothyroidism.
People might have symptoms such as difficulty in Swallowing and Breathing are sometimes seen in Large Nodules. Sometimes if a nodules are associated with Voice Hoarseness, rapid growth or found with Neck Lump, it should be carefully assessed for the possibility of Thyroid Cancer.
No worries, currently there is a surgery for Thyroid cancer, and it was definately a safe, efficiacious operation. Early Diagnostic and treatment in good risk patients can result in a cure rate of 98-99% and most of the thyroid patients can return back to their normal life. Therefore Early Diagnostic and Treatment is important. With Early Stage Critical Illness coverage is important.
Recently I came by some older articles, and something catch my attention. And this just happen to some people around me, my Mother and also some clients. And this condition might be uncommon to the public, which is Thyroid.
Thyroid disorders can range from a small, harmless goiter (enlarged gland) that needs no treatment to life-threatening cancer. The most common thyroid problems involve abnormal production of thyroid hormones. Too much thyroid hormone results in a condition known as hyperthyroidism. Insufficient hormone production leads to hypothyroidism.
People might have symptoms such as difficulty in Swallowing and Breathing are sometimes seen in Large Nodules. Sometimes if a nodules are associated with Voice Hoarseness, rapid growth or found with Neck Lump, it should be carefully assessed for the possibility of Thyroid Cancer.
No worries, currently there is a surgery for Thyroid cancer, and it was definately a safe, efficiacious operation. Early Diagnostic and treatment in good risk patients can result in a cure rate of 98-99% and most of the thyroid patients can return back to their normal life. Therefore Early Diagnostic and Treatment is important. With Early Stage Critical Illness coverage is important.
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