Believe you are following recent talks about the change in the CPF rates etc.
With interest rates for CPF’s Special, Medi-save and Retirement Accounts peg to long term government bond yield by next year Jan 2008, we will have to have a re-look at our retirement fund.
The bond yield over the last 10 years ranged from 2% to 5%. Government will guarantee the floor rate of 4% for another 2 more years and thereafter it will be 2.5% with additional 1%.
You have also learned that one is to work beyond age 62. Minimum sum draw down age is going to be 65 or higher. The reason being that average life expectancy of Singaporean will rise to age 85 or higher.
So to have a better life in later part of our life, we need to plan early for our retirement. You may have to think seriously how to invest your CPF fund wisely to meet long term goal without taking unnecessary excessive risk.
Given the changing circumstances, really we will have no choice but to start planning now.
I welcome you to contact me if I can be of help to you.
Thursday, September 20, 2007
Tuesday, September 18, 2007
Hi folks
Sorry lah – I have not been writing for sometime now ‘cos busy with something else. Hope everyone is fine and doing well.
I have recently visited a friend who suffers from colon cancer. I can feel the immense pain he is undergoing now and the worries caused to his family.
Just wondering whether can colon cancer be prevented and I ask myself is dieting the main cause of this scaring illness. Whatever it is, do not wait for thing to happen better to do something now while we are healthy.
So you may want to think about these :-
Early detection of colon cancer and the prevention
Actually, colon cancer could be avoided if you take care of your health. If you foster a healthy lifestyle with healthy diet, the occurrence of colon cancer may be reduced. If cancer patients know their illness earlier, they could go for treatment and may control the illness before it worsens. Please take note that early detection of the cancer condition and taking care of health may control the illness from aggravation.
How to prevent colon cancer?
· Identify the risk of colon cancer you may face and go for body
checkup as soon as possible.
· Increase vegetables, fruits and fibre intake, however, reduce meat intake.
· Consume multivitamins to make sure calcium and selenium intakes
are sufficient.
· Exercise regularly.
· No smoking.
· For women in menopause, intending to have hormone therapy,
please consult physician before proceeding.
· Please consult your physician opinion if you are taking aspirin
for your heart and intestines daily.
Monday, August 20, 2007
revosave - a new revolutionary plan from NTUC INCOME
Great News !
NTUC INCOME has just launched a new revolutionary anticipated endowment plan called revosave.
It is simple really. We prepare you for a rainy day with insurance and savings. And when the sun comes out and you are ready to indulge, we will be there with Cash Benefits to give your life an added shine.
revosave is the perfect solution for you, because you do not just want the most out of your money, but also the most out of life.
Maximise your savings for that rainy day
·With revosave, your very affordable monthly premium earns an attractive potential return of 3.7% per annum, so you are better prepared when the going gets tough.
·as an illustration - this attractive 3.7% annual return is based upon a male, aged 30, with a term period of 21 years and paying a monthly premium of $205.30. His sum assured will be $30,000 and projected return is $76,050.
Cash benefits for whatever, whenever
·Starting from the end of your second policy anniversary (or the 25th month), you will receive a guaranteed Cash Benefit at 5% of the sum assured. This is payable at each policy anniversary, up to 120% of the sum assured for the entire policy term.
Grow your returns with investments
·If you would like a shot at higher returns, revosave offers even more flexibility with the option to invest your Cash Benefits in our Combined Funds. Managed by top fund managers worldwide, our Funds hold an excellent track record, with average returns of 10.9% per annum since inception (source: NTUC Income Fund Factsheet for the financial year ended 31 December 2006).
·As a revosave policyholder, you will also get to enjoy a waiver of any sales charge or policy fee for your Investment-Linked account.
Peace of mind with comprehensive coverage
·revosave's insurance coverage provides death as well as permanent & total disability benefits. For greater peace of mind, supplementary benefit riders are available with revosave.
·Savings, investments, protection and the flexibility to manage these as you please, that's revosave - so you can enjoy everything your money can do.
Do feel free to contact me or drop me if you want to have a quotation or want to know more about revosave plan under no obligation of course.
NTUC INCOME has just launched a new revolutionary anticipated endowment plan called revosave.
It is simple really. We prepare you for a rainy day with insurance and savings. And when the sun comes out and you are ready to indulge, we will be there with Cash Benefits to give your life an added shine.
revosave is the perfect solution for you, because you do not just want the most out of your money, but also the most out of life.
Maximise your savings for that rainy day
·With revosave, your very affordable monthly premium earns an attractive potential return of 3.7% per annum, so you are better prepared when the going gets tough.
·as an illustration - this attractive 3.7% annual return is based upon a male, aged 30, with a term period of 21 years and paying a monthly premium of $205.30. His sum assured will be $30,000 and projected return is $76,050.
Cash benefits for whatever, whenever
·Starting from the end of your second policy anniversary (or the 25th month), you will receive a guaranteed Cash Benefit at 5% of the sum assured. This is payable at each policy anniversary, up to 120% of the sum assured for the entire policy term.
Grow your returns with investments
·If you would like a shot at higher returns, revosave offers even more flexibility with the option to invest your Cash Benefits in our Combined Funds. Managed by top fund managers worldwide, our Funds hold an excellent track record, with average returns of 10.9% per annum since inception (source: NTUC Income Fund Factsheet for the financial year ended 31 December 2006).
·As a revosave policyholder, you will also get to enjoy a waiver of any sales charge or policy fee for your Investment-Linked account.
Peace of mind with comprehensive coverage
·revosave's insurance coverage provides death as well as permanent & total disability benefits. For greater peace of mind, supplementary benefit riders are available with revosave.
·Savings, investments, protection and the flexibility to manage these as you please, that's revosave - so you can enjoy everything your money can do.
Do feel free to contact me or drop me if you want to have a quotation or want to know more about revosave plan under no obligation of course.
Thursday, August 16, 2007
STROKE IDENTIFICATION
Hi folks
A friend of mine sent me an email on how one can help to prevent a person from suffering from stroke. Here is what she wrote to me. I quote :-
"During a BBQ, a friend stumbled and took a little fall - she assured everyone that she was fine (they offered to call paramedics) and just tripped over a brick because of her new shoes. They got her cleaned up and got her a new plate of food - while she appeared a bit shaken up, she went about enjoying herself the rest of the afternoon. Her husband called later saying that his wife had been taken to the hospital and passed away. She had suffered a stroke at the BBQ. Had they known how to identify the signs of a stroke, perhaps she would be with us today. Some stroke victims don't die, they end up in a helpless, hopeless condition instead.
It only takes a minute to read this...
A neurologist says that if he can get to a stroke victim within three hours he can totally reverse the effects of a stroke . . . totally. He said the trick was having a stroke recognized, diagnosed and then getting the patient medically cared for within three hours, which is tough.
RECOGNIZING A STROKE:
Remember the "3" steps.
Sometimes symptoms of a stroke are difficult to identify. Unfortunately, the lack of awareness spells disaster. The stroke victim may suffer severe brain damage when people nearby fail to recognize the symptoms of a stroke.
Now doctors say a bystander can recognize a stroke by asking three simple questions:
S *Ask the individual to SMILE.
T *Ask the person to TALK, to SPEAK A SIMPLE SENTENCE. (Coherently) (i.e. . It is sunny out today)
R *Ask him or her to RAISE BOTH ARMS.
NOTE: Another 'sign' of a stroke is this: Ask the person to 'stick' his or her tongue . if the tongue is 'crooked', if it goes to one side or the other, that is also an indication of a stroke .
If he or she has trouble with any one of these tasks, call 911 immediately and describe the symptoms to the dispatcher.
A cardiologist says if everyone who gets this e-mail sends it to ten people, you can bet at least one life will be saved."
Unquote.
A friend of mine sent me an email on how one can help to prevent a person from suffering from stroke. Here is what she wrote to me. I quote :-
"During a BBQ, a friend stumbled and took a little fall - she assured everyone that she was fine (they offered to call paramedics) and just tripped over a brick because of her new shoes. They got her cleaned up and got her a new plate of food - while she appeared a bit shaken up, she went about enjoying herself the rest of the afternoon. Her husband called later saying that his wife had been taken to the hospital and passed away. She had suffered a stroke at the BBQ. Had they known how to identify the signs of a stroke, perhaps she would be with us today. Some stroke victims don't die, they end up in a helpless, hopeless condition instead.
It only takes a minute to read this...
A neurologist says that if he can get to a stroke victim within three hours he can totally reverse the effects of a stroke . . . totally. He said the trick was having a stroke recognized, diagnosed and then getting the patient medically cared for within three hours, which is tough.
RECOGNIZING A STROKE:
Remember the "3" steps.
Sometimes symptoms of a stroke are difficult to identify. Unfortunately, the lack of awareness spells disaster. The stroke victim may suffer severe brain damage when people nearby fail to recognize the symptoms of a stroke.
Now doctors say a bystander can recognize a stroke by asking three simple questions:
S *Ask the individual to SMILE.
T *Ask the person to TALK, to SPEAK A SIMPLE SENTENCE. (Coherently) (i.e. . It is sunny out today)
R *Ask him or her to RAISE BOTH ARMS.
NOTE: Another 'sign' of a stroke is this: Ask the person to 'stick' his or her tongue . if the tongue is 'crooked', if it goes to one side or the other, that is also an indication of a stroke .
If he or she has trouble with any one of these tasks, call 911 immediately and describe the symptoms to the dispatcher.
A cardiologist says if everyone who gets this e-mail sends it to ten people, you can bet at least one life will be saved."
Unquote.
Friday, August 3, 2007
Quick Way To Check Your Policy Details
All members [policyholders] of NTUC INCOME are you aware that you can easily check the details of your policy anytime, anywhere so long as you have access to internet?
First of all you need a password. If you do not have one, it is as simple as ABC, just click here to request for a password to be sent to you vide sms or email.
Once you have the password, no problem you can access anytime just click on this link which will bring you to the page. Once you are on this page, just follow the instruction on the screen i.e. type in your nric number and the password. That's it and you can look for the information you want.
To see a demonstration, click on this link.
In case you need any assistance you can contact our call centre at 67881122.
Hope the above piece of tip is useful.
First of all you need a password. If you do not have one, it is as simple as ABC, just click here to request for a password to be sent to you vide sms or email.
Once you have the password, no problem you can access anytime just click on this link which will bring you to the page. Once you are on this page, just follow the instruction on the screen i.e. type in your nric number and the password. That's it and you can look for the information you want.
To see a demonstration, click on this link.
In case you need any assistance you can contact our call centre at 67881122.
Hope the above piece of tip is useful.
Monday, July 30, 2007
Retiring With Enough Money vs With Insufficient Money
Have you thought about it i.e. whether you want to retire with enough money or retire with insufficient money.
Well, the difference is here - Enjoying your retirement and Retiring from enjoyment.
Invest in life insurance? It may not provide you with the best rate of return, but, it gurantees predetermined dollars on your retirement with almost no risk.
That is to say, you can arrange for an amount that is adequate for an enjoyable retirement through life insurance.
It is the best way to guarantee sufficient money for your retirement.
Well, the difference is here - Enjoying your retirement and Retiring from enjoyment.
Invest in life insurance? It may not provide you with the best rate of return, but, it gurantees predetermined dollars on your retirement with almost no risk.
That is to say, you can arrange for an amount that is adequate for an enjoyable retirement through life insurance.
It is the best way to guarantee sufficient money for your retirement.
Tuesday, July 24, 2007
What Is Osteoporosis
That I know of Osteoporosis is a disease in which bones become weak and brittle. If not prevented or if left untreated, osteoporosis can progress painlessly until a fracture occurs.
Fractures from osteoporosis are commonly seen in the hip, spine and wrist. These fractures usually occur in females over the age of 65.
Hip fracture usually requires surgery. After surgery, some people may not regain the ability to walk again despite rehabilitation. Prolonged period of being bed-bound can also lead to complications such as chest infection which can cause death.
An elderly with fracture of the spine can suffer tremendous amount of pain with subsequent loss of height and back deformity.
Who Are At Risk
* female
* over 65 years of age
* a family history of osteoporosis
* think and small built [Body Mass Index of 26 or below carries an
increased risk]
* menopause either naturally or artifically from removal of ovaries in a surgery
* poor intake of calcium
* sedentary lifestyle
* smoker
* alcohol drinker
* fair-skinned race [such as Chinese and Caucasians]
How To Prevent?
Having a diet rich in calcium and vitamin D
Incorporating exercises [weight-bearing and resistance types of exercises] into one's lifestyle from a very young age
Cease smoking and reduce the intake of alcohol
Consult your doctor for a referral for a Bone Mineral Density [BMD] test
Fractures from osteoporosis are commonly seen in the hip, spine and wrist. These fractures usually occur in females over the age of 65.
Hip fracture usually requires surgery. After surgery, some people may not regain the ability to walk again despite rehabilitation. Prolonged period of being bed-bound can also lead to complications such as chest infection which can cause death.
An elderly with fracture of the spine can suffer tremendous amount of pain with subsequent loss of height and back deformity.
Who Are At Risk
* female
* over 65 years of age
* a family history of osteoporosis
* think and small built [Body Mass Index of 26 or below carries an
increased risk]
* menopause either naturally or artifically from removal of ovaries in a surgery
* poor intake of calcium
* sedentary lifestyle
* smoker
* alcohol drinker
* fair-skinned race [such as Chinese and Caucasians]
How To Prevent?
Having a diet rich in calcium and vitamin D
Incorporating exercises [weight-bearing and resistance types of exercises] into one's lifestyle from a very young age
Cease smoking and reduce the intake of alcohol
Consult your doctor for a referral for a Bone Mineral Density [BMD] test
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