Insurance for people with existing medical conditions

17/06/2020

This is a peer support group for depression and other mental health issues.

They average about 15 people per meeting at their weekly session at our premises in Novena Square 2.

You should join if you are :

1. feeling depressed, down and out and lousy.

2. looking for friends who are suffering or have suffered from depression and can provide you with support and understanding.

3. looking to pick up coping skills and recovery programs.

4. recovered from depression and would like to support peers.

5. a caregiver who wants to understand depression and needs support.

We are a peer support group for depression and other mental health issues.We average about 15 people per meeting at our weekly session at our premises in Novena Square 2.You should join if you are :1.

16/06/2020

Get To Know The Bookkeeping Basics

Most people probably think of bookkeeping and accounting as the same thing, but bookkeeping is one function of accounting. In contrast, accounting encompasses many tasks involved in managing the financial affairs of a business. Accountants prepare reports based, in part, on the work of bookkeepers.

Bookkeepers perform all manner of record-keeping tasks. Some of them include the following:

-They prepare what are referred to as source documents for all the operations of a business - the buying, selling, transferring, paying and collecting. The materials include papers such as purchase orders, invoices, credit card slips, time cards, timesheets and expense reports. Bookkeepers also determine and enter in the source documents what are called the financial effects of the transactions and other business events. Those include paying the employees, making sales, borrowing money or buying products or raw materials for production.

-Bookkeepers also make entries of the economic effects into journals and accounts. These are two different things. A journal is the record of transactions in chronological order. An account is a separate record or page for each asset and each liability. One transaction can affect several reports.

-Bookkeepers prepare reports at the end of a specific period, such as daily, weekly, monthly, quarterly or annually. To do this, all the accounts need to be up to date. Inventory records must be updated and the reports checked and double-checked to ensure that they're as error-free as possible.

-The bookkeepers also compile complete listings of all accounts. This is called the adjusted trial balance. While a small business may have a hundred or so accounts, huge companies can have more than 10,000 accounts.

-The final step is for the bookkeeper to close the books, which means bringing all the bookkeeping for a fiscal year to a close and summarized.

15/06/2020

This is the edited version of The Mathematics of Weight Loss presented by Ruben Meerman.

This is the edited version of The Mathematics of Weight Loss presented by Ruben Meerman. In the spirit of ideas worth spreading, TEDx is a program of local, ...

14/06/2020

Attract Employees: Group Health Insurance

Many small business owners know that for them to be successful, they must offer an incentive to recruit employees to work for them. This can be any number of things, but most often, it is the benefit of offering group health insurance. While this could be an excellent strategy for your small business to take to recruit new employees, there are a few things that you must know first before you dive into selecting a plan—research group insurance policies thoroughly before choosing one for your company.

A group, health insurance plan, can be obtained by any small business that has as little as two employees to as many as fifty. There are two ways you can go about supplying health insurance to your employees; your budget will mainly decide this. Many small businesses that offer group health insurance help contribute to the cost of the plan. On the other hand, if an employee wants to have coverage for their families, the employer might offer to pay the employees' premiums and have them pay the premium for their families.

Another aspect of the group, health insurance plan, will be deciding between managed care or fee-for-service. Managed-care plans include Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), or Point of Service plan (POS).

An HMO will significantly reduce the cost that your members will have to pay for medical care as long as they use the providers specified by the HMO. A PPO will not require a referral for them to see a specialist. While the PPO is more flexible, it will bring higher costs to the per-visit and annual deductibles. The POS plans are a combination of the features that you will find in an HMO and PPO. Members get to decide whether to pay a flat fee for offices in the network or pay a deductible charge to see someone out of the system. The fee-for-service plan gives the employee the power to select health care providers themselves. This means that they will have way more flexibility with where they can go for medical assistance.

Adding an appealing Group Health insurance plan for your business could potentially bring you more employees. This is just the necessary information about Group Health insurance; there are many options to consider when choosing a plan. Be sure to investigate all options to create the best plan for your employees.

13/06/2020

Fatty food may feel like a friend during these troubled times, but new research suggests that eating just one meal high in saturated fat can hinder our ability to concentrate -- not great news for people whose diets have gone south while they're working at home during the COVID-19 pandemic.
&Details

Fatty food may feel like a friend during these troubled times, but new research suggests that eating just one meal high in saturated fat can hinder our ability to concentrate -- not great news for people whose diets have gone south while they're working at home during the COVID-19 pandemic.

12/06/2020

Ever wondered the lesser-known stories behind neighbourhoods such as Tanjong Pagar, Pasir Ris and Kallang? Uncover them all via online tours, digitally commissioned works, webinars, online masterclasses such as pastry and belachan-making, and more programmes that ooze nostalgia. For more information, visit heritagefestival.sg.

Ever wondered the lesser-known stories behind neighbourhoods such as Tanjong Pagar, Pasir Ris and Kallang? Uncover ‘em all via online tours, digitally commissio

11/06/2020

The Concept of Will Writing and Estate Planning seem complicated and time-consuming. Join us as our panel of experts introduce the topic in an easy-to-understand manner, sharing about the importance of financial planning and ensuring that your assets are well taken care of.
Register today at www.connectingwithpru.com

The Concept of Will Writing and Estate Planning seem complicated and time-consuming. Join us as our panel of experts introduce the topic in an easy-to-understand manner, sharing about the importance of financial planning and ensuring that your assets are well taken care of.

Register today at www.connectingwithpru.com

10/06/2020

This support group is for people residing in Singapore and living with autoimmune illnesses (e.g. lupus, vasculitis, rheumatoid arthritis, etc.). Autoimmune diseases are usually 'invisible', and sometimes, only the affected person knows its real impact on his/her life. I believe knowledge is power, and by sharing our experience, we can help support one another with positive thinking. Let's come together to realize our full potential and live a fulfilling life, no matter the circumstances or obstacles we face.

This support group is for people residing in Singapore and living with autoimmune illnesses (e.g. lupus, vasculitis, rheumatoid arthritis etc). Autoimmune illnesses are usually 'invisible' and sometim

09/06/2020

8 Steps To Save Your Retirement

Many of the brightest and hardest-working marketing and advertising people in the country are obsessed with getting you to spend money and, if necessary, to go into debt to do so. All the media that reach you every day wants to get you to spend money. To save money in this environment, you will need the determination to withstand the constant pressures to spend now.

What is it that separates those who are successful from those who are not?

Successful individuals have a strong personal vision of what they want and why they want it. That vision gives them the strength to stick to their strategies, even when doing so is uncomfortable. It gives them the determination to persist when they are discouraged. This is the same characteristic of women entrepreneurs and is the reason their new, small businesses are thriving.

The CPF

Today, the CPF has become the primary investment vehicle for working women to save for retirement. But many don’t take full advantage of their plan, and this could leave them with a lot less at retirement. Here are some steps we believe you can choose to improve and eliminate any retirement worries. Whether or not your retirement will be pleasurable or public charity; or whether you will have all the free time to spend with your family or friends.

1. Increase your contributions to the maximum that you can manage. Many women contribute just enough to take advantage of their employer’s matching contributions, and then they stop. By adding more to your account, beyond the matching contributions, you’ll end up with more in retirement.

2. Invest at the start of each year instead of taking a little bit out of each paycheck. Nothing in the law says you have to invest in a CPF plan a little at a time, from each paycheck. By investing early, you’ll put your money to work sooner for your benefit.

3. A few years ago it was reported that more than 30 per cent of the money in CPF were invested in money-market funds or similar accounts. For investors nearing retirement, that may be appropriate. But most workers in their 40’s and 50’s need growth in their retirement investments. Put more of your investment fund in equities and less in money-market funds.

4. Research indicates that over long periods, small-company stocks outperform large-company stocks. Since 1926, In the equity part of your portfolio, shift some of your money into funds that invest in small companies. Don’t put your entire equity portfolio in small-company stocks. But consider investing at least 25 per cent of your U.S. equity investments in that fund.

5. Numerous studies have shown that value stocks outperform growth stocks. According to data going back to 1964, large U.S. value companies had a compound rate of return of 15.1 per cent vs only 11.4 per cent for large U.S. growth companies. Among small U.S. companies, the difference was even more striking: a compound return of 17.4 per cent for the value stocks vs 12.1 per cent for the growth stocks. Don’t put your entire equity portfolio into value stocks. But if there’s a value fund available to you, consider investing at least 25 per cent of your U.S. equity investments in that fund.

6. Rebalance your portfolio once a year. Your asset allocation plan calls for a certain percentage to be invested in each of several kinds of assets. Rebalancing restores your asset balance and allows for the possibility that last year’s losers maybe this year’s gainers. Diluting your diversification actually increases risk in your portfolio over time, which is a result that’s just the opposite of what most investors want.

7. Without compromising proper asset allocation– use the funds in your plan that have the lowest operating expenses. Choose funds with low turnover in their portfolios.

8. Here’s the most important thing you can do to maximize your CPF: Keep your contributions automatically payroll deducted, and make them no matter what. It’s simple, but it’s not easy. Half of the households in Singapore have a net worth of $25,000 or less. In a typical year, about two-thirds of Singapore households do not save money.

Remember, to be successful, first, imagine your early retirement; the Caribbean condo, the yacht, the new Lexus. Luxury and pleasure as far as your eyes can see. Create a strong vision, and then don’t let go. The power of a clear, sharp vision applies to more than just your retirement savings. Let your vision shape your life, instead of the other way around, and all of the time in the world can be yours. You won’t be spending your Golden Years working at the Golden Arches.

08/06/2020

The bacteria in our guts can break down food the body can’t digest, produce essential nutrients, regulate the immune system, and protect against harmful germs. And while we can’t control all the factors that go into maintaining a healthy gut microbiome, we can manipulate the balance of our microbes by paying attention to what we eat. Shilpa Ravella shares the best foods for a healthy gut.

View full lesson: http://ed.ted.com/lessons/how-the-food-you-eat-affects-your-gut-shilpa-ravella The bacteria in our guts can break down food the body can’t ...

07/06/2020

Why Buy Health Insurance In The First Place?

At present, there are nearly 2 million Singaporeans who do not have health insurance. Are you one of them? There are several reasons why people do not buy health insurance. The prime reason and most obvious is the cost. On the other hand, the cost incurred to you and your family if you are not covered by insurance and are struck down with a significant illness unexpectedly may mean complete bankruptcy. Another top reason why people do not acquire health insurance is when they change companies and have a pre-existing condition. Often a new company will not insure a person that has been diagnosed with an illness or chronic disease because they are considered a high use risk. Then again, some companies may want you to buy health insurance, but they do not necessarily want you to use it. There are several alternative programs available in nearly all states in the United States that offer plans to people that have been denied insurance due to a pre-existing condition. However, such types of programs are not always well-publicized but worth looking into if you or a member of your family falls into this category, and not an option to overlook as you buy health insurance.

There are a variety of companies and options to buy health insurance. Several major companies offer a free online quote. These companies not only provide an in-depth comparison for the various plans offered within the company but also compare prices of similar plans offered by their major competitors. The comparisons usually look at the type of deductible you are willing to pay as well as co-pays. The critical flux in price from one plan to another is whether or not prescription medications are covered or offered at a reduced rate with co-pay. When you decide to buy health insurance prescription coverage may not be necessary if you or your family members are not prescribed daily medication. Whereas the elderly who are more liable to have prescribed drugs have MediShield options to cover this area, hence this is not as important of an issue for them when buying supplemental health insurance to pick up where Medishield ends.

The crisis of millions of Singaporeans without health insurance is costing taxpayers millions of dollars annually. Individuals and families need to be protected so buy health insurance. On a positive note, if every person does purchase health insurance, the overall costs for everyone will decrease, as those with insurance need not incur a higher price for premiums as the result of paying for the costs of those who do not have health care coverage.

06/06/2020

Scientists have tried to develop synthetic red blood cells that mimic the favourable properties of natural ones, such as flexibility, oxygen transport and long circulation times. Now, researchers have made artificial red blood cells that have all of the cells' natural abilities, plus a few new ones. &Details

Scientists have tried to develop synthetic red blood cells that mimic the favorable properties of natural ones, such as flexibility, oxygen transport and long circulation times. Now, researchers have made synthetic red blood cells that have all of the cells' natural abilities, plus a few new ones.