Journey of a Wealth Planner

09/03/2024

https://www.enanyang.my/%E8%B4%A2%E7%BB%8F%E6%96%B0%E9%97%BB/%E8%A7%84%E5%88%92%E5%B8%88200%E4%B8%87%E4%BB%A5%E4%B8%8B-%E5%B0%8F%E9%81%97%E4%BA%A7%E8%AE%A4%E9%A2%86%E7%A8%8B%E5%BA%8F%E5%BA%94%E7%AE%80%E5%8C%96

国内许多小额资产因程序麻烦、律师费高等原因而没转让，也成了无人认领资产越来越多的原因之一。

29/12/2023

https://news.seehua.com/post/973240

虽说家家有本难念的经，清官难理家务事，孰是孰非并非我们所能下定论，然而来到现今时代，我们要认清一个事实，就是养老绝对不能“专靠孩子”。在华人的传统思想，“养儿防老”的观念是深深地扎根，很多人总是认为，...

17/10/2023

https://www.thestar.com.my/metro/metro-news/2023/10/17/insurance-rahmah-for-b40-folk

INSURANCE technology company Gmat (pronounced “jimat”) Sdn Bhd has launched its “Insurance Rahmah” and two other insurance products.

16/10/2023

Water bills was few ringgit higher than usual. I thought it was the pipe for incoming water leaking. But SAJ said the leaking part belongs to consumer side. I have to get a plumber to repair it. At the end, DIY.

水费单比平时多了几元。还以为是自来水供应端的水管漏水了。水务局却说是客户端的水管漏水了。我得自己找水喉佬来修理。结果，自己落手做。

174 DIY Repair Incoming Water Pipe Burst 自己修理自来水管爆管 I noticed my latest two months' water bill is few ringgit higher than usual. Was it beca...

13/10/2023

Not fun at all to get Intercostal Muscle Pain.

肋间肌疼痛一点都不好玩

173 Intercostal muscle pain after pull ups 引体向上导致肋间肌受伤 I bought a new toy —— two 3kg ankle weight. Then I used them to do side to side pull ...

10/10/2023

Singapore, 7 October 2023… The Monetary Authority of Singapore (MAS), in conjunction with the Association of Banks in Singapore (ABS), Association of Financial Advisers (Singapore) (AFAS) and Life Insurance Association (LIA), today launched a Basic Financial Planning Guide to help Singaporeans take steps to enhance their financial well-being.

2 The Guide outlines a few rules of thumb, for individuals to start taking proactive steps to address their savings, insurance, and investment needs. Laid out in a clear, straightforward manner, they encourage Singaporeans to:

Set aside at least 3 to 6 months’ of expenses for emergency needs.
Obtain insurance protection of
9 times annual income for death and total and permanent disability.
4 times annual income for critical illness.
Spend at most 15% of income on insurance protection; and
Invest at least 10% of income for retirement and other financial goals.

新加坡金融管理局与业界合作推出基本理财规划指南，通过更简单易懂的统一方式，从紧急资金、保险、投资和遗产规划四大方面，鼓励人们提早进行理财规划，为退休生活做好准备。

根据基本理财规划指南，个人应预留至少可应付三至六个月开支的存款作为紧急资金，以备不时之需。另外，金管局鼓励个人购买保险，包括相当于年收入九倍的死亡与永久性残障保险，以及相等于年收入四倍的重大疾病保险。不过，金管局也建议，最多只将收入的15%用于购买保险。

此外，指南也建议，个人可以将收入的至少10%用于投资，为退休生活铺路，或达成其他财务目标。在遗产规划方面，则可订立遗嘱和为公积金设提名人，以及做好预先护理计划（Advance Care Planning，简称ACP）。

https://www.mas.gov.sg/news/media-releases/2023/mas-and-financial-industry-launch-basic-financial-planning-guide

https://www.zaobao.com.sg/news/singapore/story20231007-1440628

新加坡金融管理局与业界合作推出基本理财规划指南，通过更简单易懂的统一方式，从紧急资金、保险、投资和遗产规划四大方面，鼓励人们提早进行理财规划，为退休生活做好准备。根据基本理财规划指...

25/09/2023

“再从股价净值比角度来看，经过大涨后丰田股价净值比仅1.22倍、日本银行股平均股价净值比仅0.7倍，相较于苹果（Apple） 的45.62倍、特斯拉（Tesla）的16.84倍，日股投资价值可期，搭配日本企业获利表现创新高，未来前景乐观，投资者可透过日股基金积极参与日本股市行情。”

（东京25日讯）日股第3季及今年以来涨幅持续领先全球主要股市，弱势日圆推动的企业获利成长，薪资上涨与通胀温和增长，实质推动日本经济走出通缩，日本央行行长植田和男亦表示观望调整负利率政策，显示“失落30年”已....

24/09/2023

https://www.sinchew.com.my/?p=5007208

阿末费依扎指出遗产无人领取的原因包括继承人已搬家、地址有误和继承人已故，在追踪继承人的过程中也需要遵守现有法律。（档案照）（八打灵再也24日讯）公共信托有限公司（Amanah Raya）集团董事经理阿末费依扎表示，公.....

21/09/2023

原来共有4种必做的运动：-
有氧运动
肌力运动
拉伸运动
平衡运动

172 exercises to be done 原来共有4种必做的运动 My father is 80+ year old. He demand himself to walk for 1-2 hours in palm oil plantation. He, like man...

17/09/2023

https://www.enanyang.my/%E5%90%8D%E5%AE%B6%E4%B8%93%E6%A0%8F/%E4%B8%80%E5%AE%B6%E4%B9%8B%E4%B8%BB%EF%BC%8C%E8%AF%B7%E8%AE%A4%E7%9C%9F%E8%A7%84%E5%88%92%E9%81%97%E4%BA%A7%E8%90%A7%E4%BC%8A%E5%A6%97

曾经的丽梅本也是个无需为金钱烦恼的女人，工作所得的收入对她而言只是额外的零用钱。

25/08/2023

当你投保一份人寿保单时，是不是很在意多年以后，保单中将累积多少现金价值（Cash Value），让你能在10、20或30年后，可以“拿回”这些钱？如果是的话，你很可能在买保险这回事上，一开始就有著错误的观念，或被误导了。.....

09/08/2023

Experts discuss best practices for knee injury treatment and recovery.