Archive

Personal Finance

Are your existing insurance plan suitable?

May 23, 2012 by Patrick See
I had lots of emails and queries regarding suitability. We have talks/seminar on investment suitability, Client Knowledge Assessment, Product Suitability, etc but what is insurance suitability?…. First of all, I am impressed/surprised that most Audience picked up this insurance jargon ‘suitability’. Congrats! Hence, the common question is what did I mean by the above title? [...]

in Categories: Insurance, Personal Finance

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I want to be rich but I don’t want to save too much!

May 23, 2012 by Drizzt
Saving money is hard as you grow older. Getting married, having kids and their expenses, needing a car and taking care of the parents. How the hell do  you find large sums of money for investing to grow your wealth? 6 years ago, I came across Richard Russell’s 4 valuable advice to folks all walks [...]

in Categories: Investing, Personal Finance

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Coffeeshop Talk: My CPF and Me

May 22, 2012 by Martin Lee
The CPF scheme is a scheme that most Singaporeanse do not fully understand. This is not surprising given the complexity of the numerous rules and the regular changes to them. The CPF board is organizing an information session on the CPF scheme that seeks to answer some basic questions on the CPF. Questions like: “How [...]

in Categories: Personal Finance

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Tug of war – Bull vs. Bear Ends. Financial market plunges. What’s next

May 22, 2012 by Patrick See
Published Singapore Monday 1pm. The above article commenced mid February with Part 2 in March and Part 3 in April. My benchmark for the tug of war list of events is the DJI ranging from 12800 to 13000. I had picked the above title, then, is because my speculation was that market would trend sideways [...]

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In search of higher income and better standard of living. What’s missing?

May 22, 2012 by Patrick See
In my 16 years of practical experience being in the financial industry, I’ve assisted a handful in claims – death and diagnosis of major illness. Fortunately, all claims were processed and approved. Their loved ones and dependants are ‘well’ taken care off. I am writing to you as I am very concern for most of [...]

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Investment Insights: The importance of knowing your life purposes

May 17, 2012 by Greatsage
Recently one of my colleagues attended a personal finance workshop arranged by my company. I was very interested to attend because the topics seemed very relevant to me but eventually I was unable to make it due to work commitments. Over lunch, my colleagues updated me that the workshop indeed was very useful as it [...]

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6 Hours workshop on estate planning (9 & 10 May 2012)

May 15, 2012 by Wilfred Ling
Written by Wilfred Ling  Monday, 14 May 2012 On 9 & 10 May 2012, I conducted marathon workshops on estate planning. This is my first time doing so as I was unsure how the response would be. Each workshop lasted 6 hours. Altogether, there were 16 individuals who attended this talk. I consider it to be [...]

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One Night Stand Investment

May 10, 2012 by Ivan Guan
I stumbled upon this interesting term  “One Night Stand Investment” from Investopedia.com today, it means “Buying a security with the intention of holding it for the long term, but subsequently panicking and selling it the following day.” Investopedia further explains that “An investor sells out the following day typically because of bad news or a [...]

in Categories: Investing, Personal Finance

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Knowledge is key

May 9, 2012 by Greatsage
Through interactions with some of my rich friends, I came to realise that no investors become wealthy through herd investing. In order to become a successful investor, we need to equip ourselves with the right knowledge. It is very important that you start your investment or wealth-building journey early on in your life because that [...]

in Categories: Investing, Personal Finance

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How are assets distributed if a person dies without a will

May 8, 2012 by Ivan Guan
When a person (non-Muslim) dies without leaving a will, he is said to have died intestate. Sometimes, even if a person has a will, the will may not be properly drafted and certain assets are left out of the will. These assets will fall into intestacy. In Singapore, The Intestate Succession Act (Cap. 146) applies [...]

in Categories: Personal Finance

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The Mouse, the Frog, and the Hawk – Beware of who you hang out with

May 7, 2012 by Jared Seah
A Mouse, by an unlucky chance, formed an intimate acquaintance with a Frog. The Frog one day, intent on mischief, bound the foot of the Mouse tightly to his own. Thus joined together, the Frog led his friend to the pool in which he lived, until he reached the very brink, when suddenly jumping in, [...]

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Have you prepared yourself for Retirement?

May 6, 2012 by James Yeo
Sorry for the absence throughout this week as my work has been busy… I will touch on an issue that many people seldom think about until it suddenly dawns upon them.. Retirement. This comes to me as I am browsing through the link below and it makes complete sense… With all the costs rising and [...]

in Categories: Personal Finance

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Financing a Local Tertiary Education For Your Child

May 3, 2012 by Martin Lee
Are you ready to finance your child’s local tertiary education? If your child is enrolling into a local polytechnic or university soon, you may be wondering about your financing options and whether to take an education loan. CPF is organising a talk to cover on this topic. You may wish to come with your child who [...]

in Categories: Personal Finance

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It’s Easier To Learn From The Loser Than From The Winner

May 1, 2012 by Jared Seah
My first time in a casino was in Austria of all places!  We even got free chips to play a few hands… This was part of the “cultural experience” included in the company course I attended.  It was like in the James Bond movies where the men wore tux and the ladies wore bare-backed evening [...]

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How to use Medisave for maternity expenses

May 1, 2012 by Ivan Guan
Can I withdraw Medisave to pay maternity expenses? The Medisave Maternity Package enables you to use your Medisave for the delivery and pre-delivery medical expenses of your first four living children. For the fifth and subsequent child, you and your spouse will need to have a combined Medisave balance of at least $15,000 at the [...]

in Categories: Personal Finance

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Higher Gas Bills from Next Month

April 27, 2012 by Martin Lee
City Gas said yesterday that the gas tariff for households would be increased by 3.3% from 1st May 2012. This translates to an increase from 21.45 cents to 22.16 cents per kilowatt hour (kWh). While 3% might not sound like a lot, gas rates have actually gone up from 17.99 cents per kWh last year [...]

in Categories: Personal Finance

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The Sheep That Wants To Be Shepherd

April 26, 2012 by Jared Seah
In a distant parallel universe where sheep rule the planet Htrae, there was 2 young sheep named Rekcus-bmud and Nepo-seye that dreamt about being a shepherd. You see, there are only 2 kinds of sheep on that planet – shepherd sheep that lead and sheep that follow the shepherds. Both these two young sheep, who [...]

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Hard up on cash? Do Extreme Couponing!

April 25, 2012 by Drizzt
Finding it hard to feed your family? Couponing have been around a long time for retail shops to make it easier for price conscious shoppers to identify themselves and yet still able to buy the products. But what I never anticipate is how much effort some people will spend on it. So much so that [...]

in Categories: Personal Finance

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