More details here:
I hope that this will be translated into the downloads of my paid version (USD 0.99, 100 shapres), which will be available soon.
Monday, September 6, 2010
Downloads of Tangram apps
There were 1,172 downloads of my apps (Easy Tangram and Bright Tangram) over the past two days, around the world. This is much higher than I expected!
Essential knowledge for young people
I list down the FAQs that are essential for a young person to read before they buy a life insurance policy soon after starting work.
www.tankinlian.com/latest.aspx (Search for "essential knowledge")
http://tankinlian.com/admin/file.aspx?id=172
www.tankinlian.com/latest.aspx (Search for "essential knowledge")
http://tankinlian.com/admin/file.aspx?id=172
Half truths about Life Insurance
A life insurance agent uses several statements that are half truths to fool a consumer to buy a whole life or investment linked policy that takes away too much of the accumulated savings of the consumer. Read about these statements in www.tankinlian.com/ask.aspx. Search for "half truths".
http://tankinlian.com/admin/file.aspx?id=170
http://tankinlian.com/admin/file.aspx?id=170
Allow members to opt out of CPF Life
To CPF
I note that for those age below 54, they will automatically be enrolled in CPF life when they turn 55. While I think CPF Life is a good scheme to ensure Singaporeans have some savings they can tap on when they are old, it may not be an efficient way of allocating hard earn money for some members.
I am a Certified Financial Planner since 2006 and have been in the investment management industry for 20 years. I have a well diversified portfolio and I am comfortable that my wife and I can retire from active work life anytime we may chose to do so. We think we can do better in allocating the CPF monies we have accumulated.
I am sure many members have their retirement plan well thought out and executed. Some members might want to use the CPF monies to start their own small business to provide income for their future. Some may see investing in their kids education a better alternative. I understand perfectly that the CPF Life scheme requires the law of large numbers for it to work but I think it is not fair to force members to be in the scheme if they have better uses and needs for their monies.
I think the scheme should allow for opt out, as long as members can argue for their decisions. To attract more members to stay with the scheme, perhaps the government should chip in to make the scheme attractive (compared to say members investing in private sector annuity scheme). Failing which, the government should set up a fund to provide for any shortfalls of the scheme. Please do not use hard earned monies of some members to fund other members, which I see the CPF Life scheme is all about.
HCM
I note that for those age below 54, they will automatically be enrolled in CPF life when they turn 55. While I think CPF Life is a good scheme to ensure Singaporeans have some savings they can tap on when they are old, it may not be an efficient way of allocating hard earn money for some members.
I am a Certified Financial Planner since 2006 and have been in the investment management industry for 20 years. I have a well diversified portfolio and I am comfortable that my wife and I can retire from active work life anytime we may chose to do so. We think we can do better in allocating the CPF monies we have accumulated.
I am sure many members have their retirement plan well thought out and executed. Some members might want to use the CPF monies to start their own small business to provide income for their future. Some may see investing in their kids education a better alternative. I understand perfectly that the CPF Life scheme requires the law of large numbers for it to work but I think it is not fair to force members to be in the scheme if they have better uses and needs for their monies.
I think the scheme should allow for opt out, as long as members can argue for their decisions. To attract more members to stay with the scheme, perhaps the government should chip in to make the scheme attractive (compared to say members investing in private sector annuity scheme). Failing which, the government should set up a fund to provide for any shortfalls of the scheme. Please do not use hard earned monies of some members to fund other members, which I see the CPF Life scheme is all about.
HCM
View problems in perspective
Here are three responses to SM Goh's speech:
Lucky Tan
Singapore Notes
Singapore Recalictrant
My view
Different people have different perspectives, because they are affected by circumstances in different ways. For most people, they do not earn enough and the cost of living is too high. Their perspective is to struggle daily and feel the discomfort of crowded trains and buses and the stress of life. It is quite different from the perspective of government leaders who earn high salaries and perks, and receive the comfort given by their subordinates.
Lucky Tan
Singapore Notes
Singapore Recalictrant
My view
Different people have different perspectives, because they are affected by circumstances in different ways. For most people, they do not earn enough and the cost of living is too high. Their perspective is to struggle daily and feel the discomfort of crowded trains and buses and the stress of life. It is quite different from the perspective of government leaders who earn high salaries and perks, and receive the comfort given by their subordinates.
Buying a property
Here are 10 steps to follow
My view
Many people fail to follow most of these steps. They go to a property launch and listen to the sales talk of the well dressed property agent. The agent tell them that the prices are going up, and get the buyer to sign an option on the spot. None of these steps were followed. The buyer must avoid going to property launches, especially if they have not done any homework.
My view
Many people fail to follow most of these steps. They go to a property launch and listen to the sales talk of the well dressed property agent. The agent tell them that the prices are going up, and get the buyer to sign an option on the spot. None of these steps were followed. The buyer must avoid going to property launches, especially if they have not done any homework.
Passwords
Beef up your password strength
A strong password isn't your strongest security
My view
I agree with the second article. A complicated password that is changed regularly actually caused problem to the user. The user has to keep several dozen passwords for various logins. If they keep changing, it is difficult to keep track. The security consultants who recommend changing passwords are not practical people. They make life difficult to earn consultancy fees.
A strong password isn't your strongest security
My view
I agree with the second article. A complicated password that is changed regularly actually caused problem to the user. The user has to keep several dozen passwords for various logins. If they keep changing, it is difficult to keep track. The security consultants who recommend changing passwords are not practical people. They make life difficult to earn consultancy fees.
Subscribe to:
Posts (Atom)