All About Life Planning

Definitely not the type of news we weclomed, however rising medical claims and advanced medical treatments are some of the contributing factors.

So what are the steps you can do as consumers?
- Review your healthcare needs to see if you really need to uphold the relevant plan type
- Increase your monthly savings budget to factor in medical insurance premiums inflation
- Setup a retirement plan to take care of your medical insurance premiums if you have not done so.

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Often, we tend to recall bad memories over good ones.

The processing of positive emotions tend to be quicker than negative ones. Our brains evolved the ability to focus on the negatives, as a way to protect us by detecting threats and avoiding them.

While focusing on the negative can have its merits, it is vital to pay attention to the good things.

A more balanced view can be developed by practising mindfulness, and shifting our attention towards positive experiences.

Interested in achieving a more balanced state? Join our Information Session on 8 Jul 2023 (Sat), 11am-1pm.

Register now and Indicate invited by me on the remarks: https://www.positivepsych.edu.sg/information-session-jul/

As I expected when I was having a conversation with a BD from one of our insurance partners over lunch, the media will definitely bring this awareness up again to the general public.
In my view, what are you going to do about this especially for those who may not or does not want to review their existing insurance portfolios?
Pardon my nagging, it’s time to pick up your phone and arrange a review appointment with your trusted financial consultants. If he or she is a responsible one, you will be provided with useful advice/recommendations for consideration.

Having high cholesterol is not a critical illness but because of it, it can be the cause of some common critical illnesses.
Have you done your annual financial & health screening yet? PM me to find out more!

I’m going to get busy with my mortgage bankers again.
Some banks had not offered fixed rates for a few months already and those still do have been revising their fixed rate packages more frequently than ever.
It may be a challenging time for me to help source for a good rates package. However on the other hand, it is a good time to review and “refinance” your mortgage insurance as I have various insurance partners offering good discounts now.

US Fed announces biggest interest rate hike since 1994 WASHINGTON: The Federal Reserve announced the most aggressive interest rate increase in nearly 30 years, raising the benchmark borrowing rate by 0.75 percentage points on Wednesday (Jun 15) as it battles against surging inflation. The super-sized 0.75-percentage-point hike came with the Fed under in...

Come and join us in this Understanding Cancer: Early detection and preventive measures Webinar. Let's find out more from the Singapore General Hospital's medical professionals. Plus, stand a chance to win attractive prizes!

Register at this link: https://bit.ly/39pwOQg to secure your spot.

See you on 25 May 7pm!

Welcome! You are invited to join a webinar: Understanding Cancer: Early detection and preventive measures. After registering, you will receive a confirmation email about joining the webinar. Welcome! You are invited to join a webinar: Understanding Cancer: Early detection and preventive measures. After registering, you will receive a confirmation email about joining the webinar.

With the recent announcement on VTLs arrangement, I suppose this quick information may be a good tip for you in your planning.

Different insurers may provide coverage against Covid-19 differently, so it is better to find out more.
Eg: A 10 days trip for Single Trip coverage per person is starting from $67.

PM me for more information on your VTL trips coverage.

Photo Credit: Singapore Airlines (Twitter)

An interesting article I read recently and the trends mentioned are similar observations I noticed in the recent years.

As a seasoned financial consultant, I have to agree that information found in the social media can be a mixture of true fact or misleading. It’s really up to the individual to be aware and do his/her homework before making any decisions.
I have seen cases where people chose to believe the misleading information (being packaged as a real good deal) and later wished that they did not make those decisions.

So in our world today where information is largely available anywhere, it is best to validate and question the source if need be.

Blessed 56th Birthday to my beloved country! May you continue to prosper and strive for better living environment, opportunities and policies for your people!

In the last 7 months, I have helped many individuals, couples and business owners in their new mortgage loans, refinancing or cash-out from their existing properties.
Especially in refinancing, one of the main reasons is to save on interests and reduce monthly payments.
Have you ever wonder you can potentially save on your mortgage loan insurance? PM me if you want to have a non-obligatory quote.

It was a well-balanced written article with some key pointers highlighted by my CEO Alfred.
I'm glad to play a small part in some of the analysis highlighted.

Singles Starter Pack - quick information to know for applying public housing.
Credits to Housing Development Board (HDB)

A good guide for everyone.

As a MAS licensed financial consultant with SingCapital, I have the duty to provide advices/solutions from the different insurance & investment partners we work with and find the best outcomes for my clients.

Always curious about how your planning can related to your current and future needs.
Let’s connect over zoom or in person to discover your journey together.





https://www.facebook.com/275205195992437/posts/1810156869163921/

"Enjoy your retirement, not retire from enjoyment"

Join our CEO, Alfred Chia, as he discusses with Michelle Martin from MONEY FM 89.3 about financial considerations for Singles in Singapore.

https://omny.fm/shows/money-fm-893/money-and-me-financial-considerations-for-the-grow

Peek into your future finances as you personalize your life journey and dreams with our free and interactive tool today!

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4 Major Causes of Young Onset Dementia

​​Alzheimer's Disease is the most common cause of Young Onset Dementia. The Department of Neurology at National Neuroscience Institute shares 3 other causes.

https://www.healthxchange.sg/head-neck/brain-nervous-system/major-causes-young-onset-dementia

I’m glad that my investment clients have the same belief as me that we can up the investment allocation to the SG market since 3rd quarter 2020 to hold the position and wait for the uptrends.
I have faith in our fight towards Covid-19 and I believe the SG market will respond in a positive way as the fight goes on.

I’m glad that my small contribution in the data compilation did help my CEO Alfred to make an important point to the public.
We believe that proper retirement planning is never too early to start and is definitely more important than what most will think.

Over the last 5 months, I explained and helped many to enhance the current long term care coverage just by using their CPF Medisave.
If you will like to know more, please feel free to reach out to me!

PS: Please help to share this around 🙏.

Good Friday morning everyone! I decided to post this only today as I worried some might mistaken it as April’s Fool joke yesterday. 😅

A simple message I designed to set you to think or start reviewing your current plan. Speak to your preferred Financial Consultant/Planner to discuss this. If you do not have one, you can reach out to me. 👍

In my opinion, all the stakeholders such as the MOH, SMA, MAS, LIA and representatives from the insurers need to sort this out for the long term benefits of our Singaporeans.

The more restrictions/rules being set, they are going to create more confusion and unhappiness. Overcharging, doctors’ issues with certain insurers when comes to claims, wastage etc are not matters that just happen, these have been there and nobody are looking at them serious enough.
I’m a practitioner and also a customer who is affected with all these stakeholders’ arguments.

For a start, MOH should look into those hospitals or independent medical concierge who markets on how to maximize the usage of their IP plans. These are probably the culprits who may have caused all these issues in the first place.

Private doctors question 'highly exclusive' IP insurer panels which exclude many specialists They say private specialists account for only 21 per cent of all doctors on the panels of many IP insurers.. Read more at straitstimes.com.

Hello Everyone, if you have Dependants’ Protection Scheme (DPS) with Income, you will receive this notification from Great Eastern.
This is because due to the move by regulator to consolidate into 1 insurer and also at the same time enhance the coverage and duration.

So what do you need to do?
- Submit your revocable nomination again to this new insurer or you can fall back to your Will distribution if you want
- Inform your preferred financial planner to update your policy summary to reflect the changes

High Blood Pressure: 5 Ways to Lower it Without Medicine

High Blood Pressure: 5 Ways to Lower It Without Medicine - HealthXChange Want to lower your blood pressure without medicine? The National Heart Centre Singapore (NHCS) shares five effective things you can do.

I know this is coming, I shared this in my previous few posts on this upcoming changes that will change how we consume healthcare services in the future.
In fact, a couple of years back I already mentioned to some of my closer contacts that this day will eventually come, it is not about will it happen but when it will happen.
As mentioned before, I’m thinking to host multiple webinars to share what are these changes about for the different insurers.
If you are keen to join my sessions, please leave me a comment or DM. Thank you.

How to persevere despite challenges?