JBB: An Artblog!
taylor price
No title available
hello vonnie
ellievsbear
pixel skylines
No title available
Discoholic 🪩
h
Misplaced Lens Cap
Keni
blake kathryn
shark vs the universe
I'd rather be in outer space 🛸
titsay
NASA
PUT YOUR BEARD IN MY MOUTH
Xuebing Du
❣ Chile in a Photography ❣
Product Placement
seen from Australia
seen from Türkiye
seen from Portugal
seen from Germany
seen from United States
seen from United Kingdom
seen from Belgium
seen from United States
seen from Canada
seen from United States
seen from United Kingdom
seen from United States
seen from United States
seen from Malaysia
seen from Canada
seen from United States
seen from United States
seen from United Kingdom
seen from United States
seen from Malaysia
@myifasg
Understanding the New LIA Critical Illness (CI) Framework 2024
The Life Insurance Association (LIA) has announced its first major update to the CI Framework since 2019. These changes, known as the LIA Critical Illness Framework 2024, will officially take effect on 1st October 2025. The review and update of these definitions is done every three years to make sure our insurance coverage keeps pace with modern medicine and provides even clearer…
View On WordPress
Unveiling Silent Killer Cancers
Cancers have become significant health concerns of today, more so for silent killers such as colon, liver and pancreatic cancer, claiming lives silently and swiftly. Join us as Dr. Choo Su Pin, Gastrointestinal Oncologist from Curie Oncology shares how preventive measures, increasing awareness and early detection through regular screenings can help unmask these silent killers and improve…
View On WordPress
Three reasons our fire insurance may not pay
Three reasons our fire insurance may not pay
Recently, a contact from social media asked if we can do a session to educate the public what situation is claimable and what’s not in a “Fire Insurance”. In general, fire insurance can broadly classified into commercial or residential properties. A commercial fire insurance will be meant for offices, shophouses, warehouses or even a factory. The type of coverage differs from each type of…
View On WordPress
Recovery workout tips for sports injuries🏋
To all my football kakis, friends and readers who are active in sports. Once a while, we suffer from minor injuries such as muscle strains, sprains, etc or more serious injuries such as fractures or, like myself, a complete Archilles Tendon Rupture. Saw this video from Income on getting back to fitness from injuries and I thought it’s interesting to share the recovery workout tips. By the way,…
View On WordPress
Closure of MoneyOwl
MoneyOwl announced that it is winding down its financial advisory business and that all commercial activities will cease by 31st Dec 2023 after 5 years in operation. It took me a while to pen this article as I try to consolidate my thoughts on the operation and closure of MoneyOwl. First of all, this is not a feeling of schadenfreude over the failure of MoneyOwl. In fact, in some sense, I do…
View On WordPress
What is the worth of a company's reputation?
In today’s world of digitalization, there are many ways to make a digital payment. From the traditional bank transfers to PayNow, PayLah! and many more other ways to make a transaction. However, in some industries, cash may still be the preferred option. A few possible reason for this – 1) The amount exceeded the transfer limit. 2) Cheques will take a few working days to clear and may delay the…
View On WordPress
Cover The Non-CDL Gap.
Cancer Drug List(CDL) has been introduced by Ministry of Health coming to year. There are a few options to cover the gap of Non-Cancer Drug List(Non-CDL) treatment which you can check with your trusted financial adviser representatives on the different solutions. FWD Insurance had launched an interesting plan for this purpose – FWD Cancer 100 FWD Cancer 100 is distributed via a…
View On WordPress
Design Thinking in Financial Planning
I went for a design thinking program a few years ago. While this seems to be a very ‘engineering’ process, it can also help in the daily work for financial planning. First, let us understand what is Design Thinking. Design thinking is a non-linear, iterative process that teams use to understand users, challenge assumptions, redefine problems and create innovative solutions to prototype and…
View On WordPress
Increase in MediShield Life claim limit for cancer drug services
With effect from 1st September 2022, Ministry of Health(MOH) introduced the Cancer Drug List(CDL) to keep the cancer treatment and insurance premiums affordable in the long term. Upon reviewing the data of latest available claims, MOH will increase the MediShield Life claim limit from $1,200 to S$3,600 per calendar year. This increased will be effective 1st April 2023. Do note your integrated…
View On WordPress
Complimentary 1-year health insurance plan for your child
Income is providing a complimentary 1-year health insurance plan for your child when you protect him/her with Enhanced IncomeShield or IncomeShield Standard Plan. To be eligible for this Promotion: The insured child must be born between 1 January 2022 and 31 December 2023, and is a Singapore Citizen or Permanent Resident (PR); The application for the new Qualifying Policy must be…
View On WordPress
CPF Changes in Budget 2023
DPM Lawrence Wong had announced Budget 2023 on 14th Feb 2023. As we are digesting the changes, one topic that is a hot topic among us, the financial adviser representative, is the change to CPF. Most Singaporeans use our CPF for our housing, retirement, medical and education needs. We shall look at some changes and how it might affect an individual. CPF Contribution for Platform…
View On WordPress
Chinese Valentine's Day
5th February was the 15th and also the last day of lunar new year celebration. It is known as “Yuan Xiao(元宵)” and it was also the Chinese Valentine’s Day. It is a tradition for the Chinese who are married to give red packets to the children and elderly for blessing and good luck. The red packet is also called the ‘压岁钱 (ya sui qian)’ which is translated as money to suppress the bad luck. The red…
View On WordPress
Does the sequence of your returns matter?
This is a repost with permission from Muhammad Syafiq N Shaidi. He is a Financial Advisory Manager with Avallis Financial. The sequence of returns refers to the order and magnitude of returns experienced by an investor over time. The order and timing of investment returns can have a significant impact on the overall outcome of an investment portfolio. For example, if an investor experiences a…
View On WordPress
Cancer Drug List
With effect from 1st September 2022, Cancer drug list(CDL) was introduced by Ministry of Health(MOH). The purpose of CDL is to keep cancer treatment and insurance premiums affordable in the long term. This is achieved by negotiating better prices for drugs on the CDL and in return, extend subsidies for more cancer drugs. Before we go into the details of CDL and how it affects us, let us look at…
View On WordPress
Insurance for Diabetics
14th November is World Diabetes Day Diabetes is a condition that affects more than 400 million adults globally, and this number is expected to increase to above 640 million, which equates to one in ten adults, by 2040. In Singapore, over 400,000 Singaporeans live with the disease. Minister for Health, Mr. Ong Ye Kung, gave his speech on diabetes during World Diabetes Day. He mentioned the number…
View On WordPress
Insuring your Jewellery & Watch
Insuring your Jewellery & Watch
There is a growing community of watch collectors in Singapore. Some just collect the watch and wait for its appreciation in value while there are also watch collectors like Mr. Kevin Tan or Ms. Emilyn Lee who will also wear the watches. A recent article from TNP reported a 21 year old having a watch collection close to half a million dollars. If you have valuables such as jewellery or watches at…
View On WordPress
Promotion for Personal accident plans
Promotion for Personal accident plans
Accidents, together with poisoning and violence, are the main reason for hospitalisation. In many situations, the accidents may not be serious enough to be hospitalised. For example, spraining our ankle while playing football or other sports, burns from cooking, falling from wet floor etc. These treatment usually will not cost more than $500 and many have to come from our own pocket since we are…
View On WordPress