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Everyone’s economic and life situation is unique, and I keep that in mind when providing financial security advice.

I believe that personalised service is essential when matching clients with the right financial security products and services.

30/10/2022

Always do what you are supposed to do as a practitioner with integrity and wholeheartedly even if you dont earn anything from it, recognition will come to you naturally!!!

Testimonial like this is such an additional booster to keep me going!!

29/09/2022

💥 𝗕𝗿𝗲𝗮𝗸𝗶𝗻𝗴 𝗻𝗲𝘄𝘀 𝘄𝗲𝗳 𝟯𝟬 𝗦𝗲𝗽𝘁 𝟮𝟬𝟮𝟮

1. TDSR and MSR will be based on 4% interest calculation for housing loan approvals. (Previously was 3.5% interest)

2. HDB loan approval will be based on 3% interest for HDB loan calculation (No change to HDB actual interest of 2.6%).

3. LTV HDB loan aka HLE is now 80% instead of 85%.

4. Private property owners and ex-private owner can only buy HDB after a wait-out period of 15 months. (This does not apply to age 55 and above and they can only buy HDB 4Rm and below)

5. Non-residential will be based on 5% interest for loan approvals.

23/09/2022

“The first step in exceeding your customer’s expectations is to know those expectations.”

Testimonial like this is such an additional booster to keep me going!!

07/09/2022

Finally have the time to review and reconstruct my own insurance coverage for Critical Illness.

Just did a comparison between Manulife Ready CompleteCare VS Singlife Aviva Multipay Critical Illness.

$1400 (900% coverage) SingLife Aviva VS $2300 (600%) Manulife coverage. Both plan coverage until age 75 with Sum Assured @ $75,000.

Sometime when your advisor call you and request to meet you for a review, please do not reject. Sometime they really wanting to help you to save cost!

06/09/2022

When you do things the right way, it will gratify your clients and astonish the rest. 🤨

23/06/2022

While inflation hurts our pockets, that’s not the only impact to our finances that we should consider. Inflation has a clear impact on our real investment returns too, and in this time, investors are watching with care to see how policymakers manage sharply rising costs.

In simple terms, an investment that returns 2% before inflation in an environment of 3% inflation would have generated a negative return (-1%) when adjusted for inflation.

Question now is, are you doing enough to generate the right returns from your investment??

Source:

09/06/2022

Sources, credit and Photos -

Young, healthy people are more likely to be considered low risk and therefore should pay lower life and critical illness premiums.

If you're young, you'll hopefully have a long life ahead of you, but the main reason for thinking about life insurance and critical illness applies no matter how old you are, and that is who would lose out financially if you died or became critically ill?

With most of your working life ahead of you, it's worth thinking about income protection that can help provide a regular income if you can't work due to accident or sickness – and, when you start thinking about setting up a home.

26/05/2022

Adulthood often comes with some financial debt—such as student loan repayment, mortgage, car loan repayment, monthly credit card bills, and the list goes on. Unfortunately, your debts will not be wiped away when you pass on. If you have loved ones who depend on you, it’s unsettling to think about what they’d do when you’re no longer around to provide for them.

As your life grows to include more responsibilities and loved ones who depend on you, it becomes even more crucial to protect the most valuable asset in your life—yourself. Fortunately, you can take measures now to keep your dependents on stable financial ground. One way to do this is by getting a life insurance plan. Life insurance plans offer you and your dependents a lump-sum payout in case of permanent disability, terminal illness or death. There’re two types of life insurance that serve this purpose; they are commonly known as term life and whole life insurance. Both offer a lump-sum payout, but they differ in many ways. To help you simplify things, here’s a quick overview of how they work.

18/05/2022

Are you concerned that delaying a family will leave you without options when you feel ready to conceive later in life?

Whether you are in your 20s and just starting to think about what your future family may look like, or in your late 30s to early 40s and are not ready to start a family, it is important to know your fertility preservation options.

Come join us for this seminar to find out more.

07/05/2022

Mortgage rates here have increased markedly in recent months as central banks worldwide hike interest rates to combat inflation.

It will be advisable for consumers with existing mortgages, it is beneficial to review their existing mortgage from time to time, taking a holistic approach in terms of pricing, service and terms of their loan.

21/04/2022

"The reason given by GE is that the drug has not been approved by the regulator, the Health Sciences Authority (HSA), for the treatment of bile duct cancer. The HSA had approved the drug in 2018 for HER2+ breast cancer."

Let it be known that someone above the insurers determine what can be reimbursed with insurance. This is why lump sum critical illness payout plans are still relevant, though ordinarily the lump sum is meant for post hospitalization living expenses for a few years. Once paid out, the discretion on usage of funds is yours, including paying for such treatment.

Always remember that having a well covered insurance policy will aways act as a safety net. Don’t let your finances hit rock bottom due to illnesses.

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