The first thing wedding speeches father of the bride has to do, is get the attention of the audience. This might already be given if there is a master of ceremonies and the father has been introduced however should the attention not already be there then the father of the bride can do this by clinking his glass. The father of the groom wedding speeches are also sometimes at the beginning of the ceremony so the father of the bride speeches may be second. Once he is assured of the audience’s attention then the speech can begin.
Thursday, October 21, 2010
Father of the Bride Wedding Speeches | Presentation Skills Course
Vivolife
Hi Mr Tan
My husband and I were recently approached by an agent to buy this policy - we are in our mid 30s and the agent suggested that we get covered for $160,000 and pay the premium of $350 monthly for the next 28 years. (She wanted us to pay the premium annually but we didn't see the sense of that, except that she gets to enjoy her commission quicker.)
She had initially also wanted us to sign up for $350,000 coverage with premiums paid till we are 84 but the premiums are far too high for us to afford for such a long period of time.
We hope you can help shed some light on whether this policy is worth buying. Reason why I'm asking is because my husband recently gave me your book on financial planning and you warned against buying whole life insurance. Before I ring the agent to stop the policy, I just wanted to make sure that we are making the right decision.
In the product summary, it states that Vivolife is a participating regular premium whole life plan that covers death, total and permanent disability, and dread policies. Vivolife combines the best of insurance coverage and long term financial planning. Vivolife is ideal for those seeking high insurance coverage and the benefit of regular savings.
We would really appreciate if you could help us, and we will pass this information onto our friends who are also planning for their retirement and children's education.
REPLY
Get the benefit illustration and calculate the two indicators show in in this FAQ:
http://tankinlian.com/admin/file.aspx?id=234
I have seen a previous benefit illustration which showed that the policy provides a poor yield. But it is better that you compute it from the benefit illustration. You can send th benefit illustration for me to confirm your calculation.
My husband and I were recently approached by an agent to buy this policy - we are in our mid 30s and the agent suggested that we get covered for $160,000 and pay the premium of $350 monthly for the next 28 years. (She wanted us to pay the premium annually but we didn't see the sense of that, except that she gets to enjoy her commission quicker.)
She had initially also wanted us to sign up for $350,000 coverage with premiums paid till we are 84 but the premiums are far too high for us to afford for such a long period of time.
We hope you can help shed some light on whether this policy is worth buying. Reason why I'm asking is because my husband recently gave me your book on financial planning and you warned against buying whole life insurance. Before I ring the agent to stop the policy, I just wanted to make sure that we are making the right decision.
In the product summary, it states that Vivolife is a participating regular premium whole life plan that covers death, total and permanent disability, and dread policies. Vivolife combines the best of insurance coverage and long term financial planning. Vivolife is ideal for those seeking high insurance coverage and the benefit of regular savings.
We would really appreciate if you could help us, and we will pass this information onto our friends who are also planning for their retirement and children's education.
REPLY
Get the benefit illustration and calculate the two indicators show in in this FAQ:
http://tankinlian.com/admin/file.aspx?id=234
I have seen a previous benefit illustration which showed that the policy provides a poor yield. But it is better that you compute it from the benefit illustration. You can send th benefit illustration for me to confirm your calculation.
Investing in REITS
What is REITS
and how to get monthly dividend payments from it
http://biz.thestar.com.my/news/story.asp?file=/2010/10/21/business/7257528&sec=business
and how to get monthly dividend payments from it
http://biz.thestar.com.my/news/story.asp?file=/2010/10/21/business/7257528&sec=business
Need for a multi-party system
Singapore citizens should ask a few questions about their role in Singapore. Read
General Election Portal
General Election Portal
More disclosure to come on finance advisers
Bank customers will soon be able to find out professional details about their respective relationship managers or sales representatives on a Monetary Authority of Singapore (MAS) register as part of a move to improve disclosure.
According to MAS, 'This will provide consumers with more info on their reps, and enhance market discipline.' Serial job-hoppers, for instance, will be exposed as customers will be able to see the number of times that the manager of representative has changed employers in the past three years.
Under the new Representative Notification Framework (RNF), all financial representatives who provide financial advisory or capital market services will be listed on a public register. The RNF, which will be launched on Nov 26, replaces the existing licensing system for financial institutions that exempts banks and insurers.
Currently, only representatives of holders of capital market service licences and licensed financial advisers are issued hardcopy licences.
Read the full report in this website after 6 pm:
http://www.businesstimes.com.sg/sub/news/story/0,4574,409300,00.html?
According to MAS, 'This will provide consumers with more info on their reps, and enhance market discipline.' Serial job-hoppers, for instance, will be exposed as customers will be able to see the number of times that the manager of representative has changed employers in the past three years.
Under the new Representative Notification Framework (RNF), all financial representatives who provide financial advisory or capital market services will be listed on a public register. The RNF, which will be launched on Nov 26, replaces the existing licensing system for financial institutions that exempts banks and insurers.
Currently, only representatives of holders of capital market service licences and licensed financial advisers are issued hardcopy licences.
Read the full report in this website after 6 pm:
http://www.businesstimes.com.sg/sub/news/story/0,4574,409300,00.html?
Avoid insurance agents that tell lies or misleads
Some insurance agents tell lies to sell their life insurance policies. They tell the clients that they can earn 9% per annum when they invest in an investment linked policy. The 9% is not an expected yield but is just used for illustration. It is too optimistic under the current economic environment. Even if it is achieved, the real return, after deduction of the charges, is below 4% per annum. This is explained here:
http://tankinlian.com/admin/file.aspx?id=250.
Consumers should be careful about the misleading or untruthful statements made by some insurance agents. Other agents, while not deliberately lying, will avoid telling the real facts to the consumers, i.e. that a large proportion of their accumulated savings is taken away to make excessive profits for insurance companies and large commission for the agents. The consumer could have bought the protection under a 5 years term insurance policy or critical illness policy (expiring before age 55) at a much lower cost.
http://tankinlian.com/admin/file.aspx?id=250.
Consumers should be careful about the misleading or untruthful statements made by some insurance agents. Other agents, while not deliberately lying, will avoid telling the real facts to the consumers, i.e. that a large proportion of their accumulated savings is taken away to make excessive profits for insurance companies and large commission for the agents. The consumer could have bought the protection under a 5 years term insurance policy or critical illness policy (expiring before age 55) at a much lower cost.
FISCA Talks - Nov & Dec 2010
Register early for these two talks organised by FISCA
a) Invest for the Long Term ($10 only - after sponsorship by SGX)
b) Financial Planning - A Practical Guide
http://www.fisca.sg/events
a) Invest for the Long Term ($10 only - after sponsorship by SGX)
b) Financial Planning - A Practical Guide
http://www.fisca.sg/events
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