A lawyer who is a sole practitioner or is a part of a small company does not need the additional hassle of trying to learn and manage a good and reliable billing system. They need to concentrate their efforts on their clients and the case and not on invoices and time management. It is therefore vital that any legal billing and accounting software be simple and easy to understand.(See also accounting software for small business, law practice software, ProLaw software and ACT CRM software.
Legal timekeeping and billing software
Legal timekeeping and billing software can make the job of keeping accurate time accounts very easy. Small firms or individual lawyers often have to keep track of each hour that they spend working for a client. Some legal software programs have built in timers that allow the users to have an actual stopwatch, which can keep track of every single minute that they spend on a certain account.
Thursday, March 31, 2011
Legal Billing Software | Law Office Software
Planning for the future
http://thestar.com.my/news/story.asp?file=/2011/4/1/columnists/nottoday/8372262&sec=nottoday
Hassle to own a car
Handbook on Flexi Life
Financial Savvy Test #11
1. How can I survive the bursting of the bubble? Keyword: bursting of bubble
2. What are the risk of my Shield claim being rejected? Keyword: Shield claim
Accounting Software for Small Business | Law Office Software
Free accounting software for small business is a free accounting product that is available online. There are a number of modules that you can obtain that work with Mac and Linux and, of course, Windows. Many of these packages are geared towards the small business or the home based business that requires only a very basic system of bookkeeping. However, they do offer features that will enable an individual to keep track of clients and their different accounts quickly and easily.
Quickbooks
Quickbooks is one of the most recognized names in the world of small business accounting. One of the best things about this software program is that allows a consumer to choose from a range of products. They offer a very simple basic package that is perfect for first time users and work their way up to their Enterprise Edition that can accommodate a small company that does a large volume of business and has more in depth accounting requirements.
Acco Fasteners | Legal Office Supplies
Acco fasteners are ideal for almost any business. The world may be going high tech and computers are everywhere but recent studies have shown there is more paper than ever in the office.
Flexi Life policy may be available in 2012
Thank you for your Handbook on Financial Planning. I am interested in the Flexi-Life policy mentioned in the handbook. Where can I get it? A Yahoo search have some companies selling product by this name too. Could you give some advice where I can buy this policy?
REPLY
You have to wait for a year for this policy to be introduced. The existing policies in the market (including those that have the same or similar names) have high upfront charge and are not suitable for consumers.
In the meantime, you can follow the suggestions in this FAQ.
Hawker Stall Rentals
Large employment of foreign workers
Wednesday, March 30, 2011
Handbook on Financial Planning
Financial Savvy Test #10
Japan Earthquake
http://www.nytimes.com/interactive/2011/03/13/world/asia/satellite-photos-japan-before-and-after-tsunami.html
Tuesday, March 29, 2011
Financial Savvy Test #9
1. How do I calculate the reduction in yield for a life insurance policy? Keyword: reduction in yield
2. Is it good to invest in the DBS preference share? Keyword: DBS preference
Rebuilding a home
I am considering taking up a 40 year term loan of 500000K from a bank for rebuilding my house at interest of about 1.5% p.a. Do you have suggestions on where I can invest this 500000k so as to offset the interest charged by the bank while waiting for the completion of my home in 1 year? I will need something relatively safe and hopefully allows me to make partial withdrawals as needed to pay the contractor . I stay in a single storey terrace house. Do you think it is a good time to rebuild my home?
REPLY
Please see the FAQs
http://tankinlian.com/admin/file.aspx?id=451
You can contact one of the following persons:
http://tankinlian.com/admin/file.aspx?id=435
Advice on insurance needs
I am a home maker with 2 teenage sons. The younger son recently bought a NS insurance plan of 150k but my elder son has no insurance plans at all. My husband has a public office group insurance scheme of 200K. We have no other insurance policies. I seek your advice on whether it is good to buy a vivolife plan for my 2 sons.
REPLY
Please read these FAQs:
http://tankinlian.com/admin/file.aspx?id=398
http://tankinlian.com/admin/file.aspx?id=444
http://tankinlian.com/admin/file.aspx?id=435
Monday, March 28, 2011
Financial Savvy Test #8
How about 'Richer, Kinder, Slower'?
HK investors reject settlement offer
http://news.yahoo.com/s/afp/
Sunday, March 27, 2011
PM Lee - Think of the future
Read here.
FISCA - Guide to new website
FISCA and financial literacy talks
Dear
On the 26 March, I just attend a talk by Mr. Tan Kin Lian (a qualified actuary and was the CEO of a large life & general insurance company) entitled "Insuring Your Financial Security (Consumer Guide to Insurance) "
Mr. Tan is a sincere and knowledgeable gentleman who is well versed in insurance products and also overall financial planning due to his previous work. I have benefited so much from his talk and reading his books. His workshops (and books) are developed such that it is easily understood by the lay-person,
I have both his books
(1) Practical guide on financial planning
(2) Get Value from your life insurance
Please also consider joining http://www.fisca.sg/ as a member for $36 per annum. FISCA is a non-profit org. and its objective is to improve financial literacy among Singaporeans. (unlike many "free" seminar where one is expected to buy a stock trading software at the end of the talk) As a FISCA member, one get to attend useful talks at a discounted rate of $20 compared to non-members $30.
This is taken from FISCA website:
"FiSCA is committed to being an unbiased, up-to-date financial site with quality articles and advice to help improve financial literacy among Singapore consumers. Being a non-profit driven organization, FiSCA does not solicit sponsorship from commercial companies such as banks, nor do we get revenue through online advertising. We aim to be considered an objective and knowledgeable third party in financial-related issues, in order to provide quality, un-biased information on financial education to the general public. "
Hong Kong banks buy back Lehman Minibonds
Damage to Singapore's reputation
An independent financial adviser sold her an investment-linked policy designed for high net worth individuals. The adviser deliberately removed certain information about the charges in this policy and lied to her about the charges. After saving for 18 months, the policy started to take away a high monthly charge. She learned for the first time about this high charge, which would be taken away from her savings for the rest of the future years. If she terminate the saving plan now, she would lose more than 70% of the savings. It was quite heart-breaking.
She told me, "Mr. Tan, when I first came to Singapore, I was impressed with the Singapore system - honest government, a good standard of living. I never thought that I could be cheated by a respectable insurance company and by the financial adviser. After this experience, I have now changed my views about Singapore".
Tan Kin Lian
The honest way for marketing
Many businesses have inferior products that can only be sold by high pressure sales techniques. The product is already inferior and higher priced than comparable products. The sales commission adds to the cost. This makes the product so bad that any sensible customer will avoid it. The product is then sold using misleading statements and outright lies.
In some countries, the authority will take action on deceptive practices. But in other countries, there is no action taken against deceptive practices. The marketing people become bolder and goes out to tell more blatant lies to market their product.
If you are in an environment of low protection of consumer rights, you have to avoid all types of marketing people who use high pressure techniques to sell their products. Just tell them, "I am not interested" and put down the phone (if it is a phone call) or walk away (if you meet someone at a mall). If they are honest, they can give you an educational material to allow you time to make your judgement.
Tan Kin Lian
Property prices and affordability
Saturday, March 26, 2011
A presentation on cholesterol
FISCA New website
Stuck with a wine investment
Friday, March 25, 2011
Financial Savvy Test #7
Take risk and get a better yield
Homeowner's insurance
How can i register a good insurance for my car "bmw z4"?
my car is bmw z4 and as you know it's too expensive, that's why I seek for an effective assurance in all sides.
Please tell me what do you think about aviva and staveley's insurance.
Many Thanx
Thursday, March 24, 2011
Financial Savvy Test #6
Child Care Law In Ireland | BusinessAndLegal.ie
The Child Care Act provides that in any court proceedings concerning a child the Court must regard the welfare of the child as the principle guide in it’s decision making. Depending on the age of the child, the Court will also have to have regard to the wishes of the child and the parents but the guiding principle is the welfare of the child.
The Child Care Act 1991 also sets out the role of the HSE in child care issues and under section 3 of Part III of the Act which places certain duties and obligations on the HSE in the whole area of child care. The HSE must also have regard to the wishes of the parents in carrying out it’s statutory duties.
High Court decisions have held that it is generally in the best interests of the child to be brought up in his own family so for this reason the intervention of the HSE to override the wishes of the parents has been limited to exceptional cases.
Voluntary care
Section 4 of the Child Care Act allows the HSE to take a child into voluntary care with the consent of the parents where the child’s care and protection requires it.
Section 5 of the Act obliges the HSE to deal with homeless children and provide them with “suitable accommodation”.
Financial Savvy Test #5
1. Does Vivolife provide a good yield? Keyword: Vivolife
2. How can a disabled person buy insurance? Keyword: disabled
Sugar coating
I had contributed this new posting in my Blog about the new PAP election candidates to the SGEP.
Sugar Coating of New PAP Candidates Part I - What questions would you like to ask them most?
Link :- http://de-leviathan.blogspot.com/2011/03/sugar-coating-of-new-pap-candidates.html
I hope readers will also send in their own questions for these new candidates?
Link to SGEP : http://www.easyapps.sg/SGEP/
Wednesday, March 23, 2011
Another land banking project
Can I have your advise regarding the land banking company - X. Should I trust this company to invest land in US - Texas? When I visit their website, it shows nothing, just simple background information. The investor consultant, talking about the advantage, made it look attractive. I I have paid 10% deposit for the investment, now I worry about being cheated. Can you give me some advise about this company?
REPLY
Go to my website, www.tankinlian.com and type "land banking". You can see my views there. You can also click here
You should consider taking legal action against the consultant for giving incomplete or misleading information about the company.
A Tale of Two Seas
Take risk to your advantage
Here are some facts to consider:
- The guaranteed yield for a single premium endowment is around 2% for 10 years or longer. The non-guaranteed yield may be higher, but is still less than 4% per annum.
- The yield on a low cost investment fund, such as the STI ETF, is likely to be around 5% over the long term. By accepting a higher risk, you can get a higher return.
- If the market is weak and your actual yield is lower than 5%, you have the choice (as a long term investor) to wait for a few years for the market to recover. Time is on your side. Wait for an appropriate time to achieve your long term yield.
Tan Kin Lian
The public sector
New tech not always the best medicine
http://www.todayonline.com/Print/Commentary/EDC110324-0000011/New-tech-not-always-the-best-medicine
Quotes:
The decision to opt for medical care that relies on the most costly technology is often based on blind faith that newer, elaborate and expensive must be better.
We seem to be promoting new technology even in the absence of data. Exciting cutting-edge treatments are marketed with the singular effect of peddling hope to patients when they are at their most vulnerable.
If a surgeon recommends an older, less expensive technology, many patients will shop for a surgeon willing to use the newest and costliest devices - even if the added benefits are unproven and the risks may be greater.
Financial Savvy Test #4
1. How can I invest in a low cost investment fund? Keyword: low cost
2. Should I buy term insurance up to 99 years? Keyword 99 years
Wine investors website
Movie Club
I wish to invite you to register for the Movie Club. This is just to register your interest. If there are more than 500 people who are interested, I will arrange for a protem committee to be formed to register the club.
Movie club:
http://www.easyapps.sg/assn/Org/Default.aspx?id=6
Tuesday, March 22, 2011
Don't look left or right
http://theonlinecitizen.com/2011/03/don%e2%80%99t-look-left-or-right/
"The test of our progress is not whether we add more to the abundance of those who have enough. It is whether we provide enough for those who have little."
Franklin D Roosevelt (1882-1945)
United States, 32nd president
"A nation that is afraid to let its people judge the truth and falsehood in an open market is a nation that is afraid of its people." JFK
Elderly patient with cancer
Financial Savvy Test #3
www.tankinlian.com/information.aspx - type in the keyword to search for the relevant FAQ
1. Should you make a claim and lose the no claim discount? Keyword: no claim discount
2. Should an elderly person buy Medishield or private Shield? Keyword: elderly
Monday, March 21, 2011
GST - troublesome and ridiculous
It will take him some time to collect the GST from the insurance companies - but he paid the GST first to IRAS. After making the pyment, the insurance company can recover the GST back from IRAS. the government. Yes - it is an exercise of futility. It is troublesome and unnecessary work that add to the cost of doing business in Singapore. Many businesses have experienced high operating cost and can only survive by over-charging consumers. It has became a vicious circle.
My friend has approached a senior IRAS officer on this matter to explain that this is an exercise in futility. But the senior officer refuse to make an exception and insisted on following the book. This is quite common in Singapore.
Tan Kin Lian
FISCA - Consumer Guide to Insurance
Register for the talk now. It is scheduled for 26 March from 2 to 5 pm at SMU. Register at www.fisca.sg/events under the title "Insuring your Financial Future" or "Consumer Guide to Insurance".
Financial Savvy Test #2
www.tankinlian.com/information.aspx - type in the keyword to search for the relevant FAQ
1. If you have to find a lawyer and wish to keep the cost low, what is a way to achieve this? Keyword: lawyer
2. what is the approach towards “self insurance” as an alternative to paying premium for insurance protections? Keyword: self insurance
Sunday, March 20, 2011
Risk management and insurance
See Ask Mr. Tan or click here.
Sale of books by LKY
When we work for a company, whatever we create on company time is property of company.
LKY was speaking as MM and doing the interview with the reporters in his office / government premises. so the content should property of government and therefore public property.
Now, LKY is selling his book and making profit from it?
Is this ethical?
SV
REPLY
I recall that, in the past, the proceeds from the sale of books by LKY are donated to charity.
SMS donation for Japan Earthquake and Disaster Aid
I note your blog article regarding the difficulty of donating via DBS internet banking. I agree and encountered the same kind difficulty as well, and was not successful in donating through this channel.
If you wish, you may want to inform your readers that the easiest way to donate $50 to Singapore Red Cross for the Japan earthquake and tsunami aid is through SMS.
To donate $50 by SMS, send the text message "REDCROSS" to 75772. Each SMS carries a charge of 30 cents. This donation is not tax-deductible.
Sources:
http://www.redcross.org.sg/Donation-Channels-Japan-Tsunami-Earthquake.phtml
http://www.straitstimes.com/BreakingNews/Singapore/Story/STIStory_645264.html
Easy Ads
How to invest a lump sum
I seek your advise on how best to maximise returns on my SGD250,000 cash savings. My daughter also has SGD 50,000 placed in a SGD-Fixed Deposit with Maybank with an 0.8% return.
REPLY
Read this
http://tankinlian.com/admin/file.aspx?id=437
Be educated on financial matters
Is it alright to just buy a term insurance for protection and purely STI ETF for my investment?
REPLY
Read this FAQ
http://tankinlian.com/admin/file.aspx?id=437
Emerging Asia can teach the West a lot about government
http://easyapps.sg/sgep/admin/file.aspx?id=75
Financial Savvy Test #1
Financial Plan - DIY
Risk management and internet banking transfers
Saturday, March 19, 2011
Opposition Newbies
The Sunday Times introduced the opposition candidates as "newbies". I wonder if they will use the same term to describe the new PAP candidates? If not, there is a subtle attempt to disparage the opposition candidates - which is sad for a mainstream media - even one that is closely linked to the ruling party.
Sebastian
Travel insurance and nuclear risks
For FISCA members only - F&N Bonds
A clear and sensible speech
Please post this link to a speech by Dr. Chee Soon Juan. He spoke with great clarity and sense. I find his speech to be inspiring.
http://www.yoursdp.org/index.php/news/singapore/4673--hard-truths-about-ministerial-wages-#JOSC_TOP
Wee
Friday, March 18, 2011
Dilemma of the Poor
Hope you can publish my experience for comment.
This morning I was at a food centre and an old lady in a wheel-chair selling tissue paper told me, "I saw government people giving presents to foreigner workers. Here I am struggling to survive."
I said with the election coming, shouldn't you vote opposition to change things."Can I vote opposition?" she asked with a searching eye. I said assuringly that government agencies that helped her would still be around if the PAP lost.
"I would vote PAP. I will have to vote for them till my dying day. I only hope they do more for us disadvantaged folks," the old lady answered with a sigh of resignation.
Herein lies the dilemma of the poor. They depend on the government for handouts, but are afraid a change will be for the worst. Better the devil you know than the one you don't.
TCH
Ad-hoc payment through the Internet
A journey of frustration - DBS Internet Payment
Donate to the Japan Disaster Fund
http://www.straitstimes.com/BreakingNews/Singapore/Story/STIStory_645264.html
I urge Singaporeans to donate to the Japan disaster through the Singapore Red Cross. You can donate through ATM or write a cheque.
Cheque donations made payable to the 'Singapore Red Cross Society' and sent to the Singapore Red Cross at 15 Penang Lane, Singapore 238486. You should indicate at the back of the cheque the following: Japan Disaster 2011, the name of the donor, contact number and address.
From today till April 13, customers of OCBC, DBS and United Overseas Bank can also make a donation via ATM, mobile and Internet banking. Donors can get more details by logging on to the banks' websites.
Small Business Topics | BusinessAndLegal.ie
What you will find on http://BusinessAndLegal.ie is a lot of information (helpful I hope!) about many of the problems that afflict small business owners.
My unique experience of 24 years (and counting) experience as a self employed small business owner, sole trader and company director give me a good insight into these problems.
My training and experience as a legal professional also add to that experience and allows me to see things from both sides of the fence to a certain extent.
The links below will take you to various sections of this site and cover a myriad of problems that are commonplace now.
Problems like
- bankruptcy,
- debt collection,
- employment law,
- company formation,
- residential letting of property,
- property law,
- landlord and tenant law,
- intellectual property rights,
- copyright,
- trade marks,
- data protection,
- consumer rights,
- creating an online business,
- partnership law
- personal injury claims
- small business finance
- residential letting agreement template,
- looking at a small business for sale
- and more.
A mature person
On completing the gymnasium school, she received a Certificate of Maturity. Her school principal told her that shw was certified to be mature, which meant that she was able to think and decide on her own, and to learn new things on her own. She was "mature".
I was impressed with this approach. It is what education should be. I find that our education system produced a different type of person, who is not confident of taking decisions and responsibility. Our education system do not produce "mature" people.
A university professor, who has taught for many years, observed that many Singaporeans mature when they are 40 years old. Before that, they were not confident and had to be told what to do. I agree with her observation about the (lack of ) maturity of Singaporeans. Some never mature at all.
Tan Kin Lian
Buying motor insurance directly
http://thinkhappiness.blogspot.com/2011/03/buying-motor-insurance.html
Think of the poorest person
Tuesday, March 15, 2011
Talk at Tampines Regional Library
Speaker: Tan Kin Lian
Date: 19 March 2011
Time: 3pm to 4.30 pm
Venue: Tampines Regional Library, Auditorium (Level 3)
You can register in advance by calling the Tampines Libary. The library also accepts walk-in participants on the day.
My puzzle books will be available on sale at 50% discount:
Complete set of Sudoku, Intelligence Quiz, Tangram, Shape Quiz: $14 (usual: $27.80)
SM Goh to S'poreans: Learn from Japan disaster
I posted an article in my Blog and in SGEP.
A response to "SM Goh to S'poreans: Learn from Japan disaster".
Will we stay a "kintaro-ame" nation, SM Goh?
[De Leviathan @ Sg]
C H
De Leviathan
http://de-leviathan.blogspot.com
SGEP
www.easyapps.sg/sgep/latest.aspx
General election poem
Monday, March 14, 2011
Factors the Court Considers When Making Orders on Divorce and Judicial Separation | BusinessAndLegal.ie
As dealt with elsewhere on this site (family law in Ireland) the Courts can make orders in respect of property, pensions, maintenance, financial compensation orders and succession rights. The factors the Court will consider when making these orders are
I. The actual and potential financial resources of both spouses
II. The actual and likely financial needs, obligations and responsibilities of both spouses
III. The standard of living of the spouses before the separation or divorce
IV. The length of marriage and the ages of the spouses
V. Spousal contributions-this is increasing in importance in the Court’s considerations and looks at not just financial contributions but time spent looking after home and family
VI. Earning capacity or lack of it due to time spent in the home due to marital responsibilities and the lack of future earning capacity due to the sacrifice of career made during marriage
VII. Statutory entitlements-any benefit or income either spouse is entitled to in law
VIII. Conduct-this is not a hugely important factor unless the conduct is egregious
IX. The accommodation needs of both spouses
X. Any separation agreement entered into by the spouses and which is still in effect
Sunday, March 13, 2011
Book: Get value for your life insurance
See: http://tankinlian.com/admin/file.aspx?id=375 (cover has been changed)
By cheque
1. Send cheque made out to Tan Kin Lian & Associates Pte Ltd
2. Mail cheque to 24 Sin Ming Lane #02-107
3. Write down you mailing address and number of books that you wish to order.
By Internet banking
1. Send an email to inbox@tankinlian.com with your mailing address and number of copies
2. Pay by internet banking to DBS Shenton Way account no: 003-9045980
Act now. You can save a lot of money by buying the good life insurance policies and avoiding the bad life insurance products.
Tan Kin Lian
Taking care of the low income families
http://siewkumhong.blogspot.com/2011/03/response-to-questions-from-hri-kumar.html
The PAP's response is "Singaporeans are lazy and will take advantage of welfare". This does not reflect what I know of many Singaporeans - who are willing to work hard for a fair wage." The PAP leaders should learn to respect and trust Singaporeans, so that the people can return the trust and respect to the leaders.
Complaining Singaporeans and leaders
Pointing fingers
Tan Kin Lian
Robert Kuok's personal thoughts on wealth and capitalism
Quotes:
When I hire staff I look for honest, hardworking, intelligent people. When I look candidates in the eye, they must appear very honest to me. I do not look for MBAs or exceptional students. You may hire a brilliant man, summa cum laude, first-class honours, but if his mind is not a fair one or if he has a warped attitude in life, does brilliance really matter?
requires very strongly led, enlightened, wise governments. That means politician-statesmen willing to sacrifice their lives for the sake of their people. I don't mean politicians who are there for fame, glory and to line their pockets.
Radiation up 400 times in Miyagi, new blast feared at Fukushima
Russia Today (RT) broadcasting from Washington, DC, is providing excellent coverge of the Japanese earthquake, tsunami and nuclear power meltdown.
Tsunami and Japan
In recent history, the word was borrowed to describe the terror waves that killed 300,000 people following the Sumatra earthquake in 2004. Six years later, the Japanese had the misfortune to experience the tsunami again. Quite sad!
Odd to Nature
Saturday, March 12, 2011
How to invest $100,000?
The purpose of college education
The larger benefit of college is the development of critical thinking, which helps individuals identify and develop new work and business opportunities, manage personal finances, lead healthy lives, raise fulfilled children, participate in politics as informed citizens and obey the law.
This is why Americans need a college education.
Jack Herschlag
Upper Montclair, N.J.
Too much thinking, too little execution?
Suggestion
While it is silly to bring a chain saw into a forest and keep cutting down trees without knowing exactly which trees to cut; it is also to me an overkill when you have so many Ministers in the PMO doing coordinating work but not having enough officers at the lower levels to execute policies and understand the needs of the people. Example one --- you have coordination minister in the PMO on security but not enough police officers around to deter crimes. Case in point, slashing at downtown east leading to one death. Example two -- you have education coordinating minister but not enough teachers to reduce class size. Example three -- you have the brains setting traffic rules (like zig zags, double zig zags) but not enough traffic police and wardens catching the offenders.
Citizen
Marital Breakdown and the Family Home | BusinessAndLegal.ie
When a marriage breaks down in Ireland and divorce or judicial separation proceedings are instituted the family home will loom large in considerations as for many couples it is the principal or only asset that they have.
(This is part of the family law series of articles)
The recent fall in property values has caused chaos in this regard though as many people see that there is nothing to divide up after paying off the bank.
Property adjustment orders
Courts can make property adjustment orders in separation or divorce proceedings; in fact they can also make preliminary orders in respect of the family home which are orders which predate the hearing of the legal proceedings.
Courts have the power to make the following orders:
I. The property to be transferred from one spouse to another or to another person
II. The reduction or extinguishment of any interest that a spouse has in the property
III. The settlement of the property to either spouse
Financial Provision in Marital Breakdown | BusinessAndLegal.ie
Even where you may have terminated your marriage by separation agreement, judicial separation or divorce you are still obliged by law to maintain the other spouse. This obligation only ends when the other spouse dies or remarries.
Excellent customer service
On March 2, Zinio experienced a technical outage that resulted in limited access to our online shopping and reading services. We would like to make it up to you.
The interruption to our web services resulted in a number of magazine deliveries to be delayed to readers from March 2-10. We noticed that you are subscribed to one of those titles. To see if your issues have been delivered yet, please click here. For questions on a specific title, please emailmymagazine@zinio.com.
We know your subscriptions are important to you. We know that you've come to expect a high level of service from Zinio. We would like to make it up to you. We have extended your impacted magazine subscription(s) for one additional month. This has been done automatically in our records. There is no action that you need to take.
Additionally, because you have been such a trusted and valued customer, we will be sending you a Zinio Gift Card under separate cover within the next week.
Over the past ten years, our customers, like yourself, have come to enjoy and expect the high quality online experiences Zinio has delivered. We thank you for your patience, understanding and continued loyalty.
Sincerely,
Jeanniey Mullen
Chief Marketing Officer, Zinio
jmullen@zinio.com | @empg
Friday, March 11, 2011
Easy Ads - design a good ad
click here for the sample ad.
Finding a lawyer
Top salaries to be paid back
Read this article about Warren Buffett. “You need a person at the top who has all the downside that somebody has that loses their job working at an auto factory,” he said in an interview released by the panel in February. If a company fails, management should “give back five times the highest compensation they received in the previous five years.”
Should our President and Ministers pay back their salaries when Singapore is in recessions? Should some Ministers get sacked when the Ministries they in-charge of fail to deliver acceptable services to citizens?
Lending the poor a helping hand
--
"A nation that is afraid to let its people judge the truth and falsehood in an open market is a nation that is afraid of its people." JFK
Wong Wee Nam
TODAYonline: 70 customers demanding S$249,000 from True Spa
They issued three letters of statutory demand, under the name of two members, to True Spa on Thursday and Friday, said their lawyer Salem Ibrahim. The 70 customers want the spa to honour the judgment sums they had...
URL: http://www.todayonline.com/Singapore/EDC110312-0000089/70-customers-demanding-S$249,000-from-True-Spa
Heartlands Book Club to discuss “Wisdom on How to Live Life”
Title/Author: “Wisdom on How to Live Life” by Tommy Wong
Tommy Wong’s book is available at Tan Kin Lian’s office.
Easy for agents to cheat
Does your life insurance company make it easy for their agents to cheat their customers? Here is a way to find out. See Ask Mr. Tan or click here.
Booking of cinema tickets
Thursday, March 10, 2011
Review of your life insurance policy
See Ask Mr. Tan or click here.
Tips on buying insurance
Wednesday, March 9, 2011
Easy Ads
- Advertise rooms for rental
- Advertise tuition services
- Advertise handy man and repair services
- Looking for jobs
Rent a room?
This portal is also good for tenants to search for an available room near their workplace. By conducting the owner directly, you save on the fee payable to the agent. Try it.
Tuition
Cartoons by Wing Lee Cheong
http://www.sg-quitters.blogspot.com/ Hope you enjoy them.
Idaho Has Lowest Six-Month Median Rate at $436; Louisiana Highest at $1,111
SACRAMENTO, CA--(Marketwire - March 1, 2011) - InsWeb Corporation (NASDAQ: INSW) today released its 2011 State Median Car Insurance Rate Report. The report ranks all 50 states and Washington D.C. according to median household car insurance rate for a six-month policy.
To determine the rates, InsWeb uses a proprietary system that tracks the filed rates of the largest insurance carriers in each state as well as actual profiles of InsWeb customers.
The ten states with the lowest median rates are:
2011 Ranking | State | Six-month Median Rate | 2010 Ranking | |||
1 | Idaho | $436 | 1 | |||
2 | Maine | $452 | 8 | |||
3 | Vermont | $462 | 5 | |||
4 | North Dakota | $490 | 16 | |||
5 | North Carolina | $495 | 2 | |||
6 | Minnesota | $515 | 17 | |||
7 | Virginia | $521 | 13 | |||
8 | Utah | $531 | 12 | |||
9 | Ohio | $540 | 9 | |||
10 | Wisconsin | $546 | 14 |
The ten states with the highest median rates are:
2011 Ranking | State | Six-month Median Rate | 2010 Ranking | |||
51 | Louisiana | $1,111 | 51 | |||
50 | Maryland | $942 | 46 | |||
49 | Rhode Island | $911 | 48 | |||
48 | Nevada | $876 | 47 | |||
47 | Arizona | $842 | 44 | |||
46 | Washington D.C. | $823 | 39 | |||
45 | New York | $819 | 50 | |||
44 | Connecticut | $814 | 49 | |||
43 | California | $809 | 43 | |||
42 | Georgia | $799 | 38 |
InsWeb also reported the current national median car insurance rate as well as the national median rates for specific demographic groups:
Demographic Group (National) | 2011 Median Rate | 2010 Median Rate | Year-over-year Change | |||
All Drivers | $675 | $715 | -5.6% | |||
Men | $697 | $735 | -5.2% | |||
Women | $647 | $695 | -6.9% | |||
Age Group: 19 and younger | $1,435 | $1,356 | +5.8% | |||
Age Group: 20 to 24 | $925 | $982 | -5.8% | |||
Age Group: 25 to 29 | $700 | $747 | -6.3% | |||
Age Group: 30 to 39 | $658 | $710 | -7.3% | |||
Age Group: 40 to 49 | $646 | $690 | -6.4% | |||
Age Group: 50 to 59 | $599 | $620 | -3.4% | |||
Age Group: 60 to 74 | $611 | $590 | +3.6% | |||
Age Group: 75 and older | $661 | $633 | +4.4% |
"Our State Median Rate Report gives readers a good sense of where drivers are paying the most for car insurance," said Brad Cooper, Senior Vice President of Operations at InsWeb. "But it's important to remember that just because a state has a high median rate does not necessarily mean that car insurance in that state is expensive for all residents. Factors such as vehicle make and model influence rates significantly. So in states where residents tend to drive more expensive vehicles, it's not uncommon to see higher insurance rates."
"InsWeb's Car Insurance Affordability Index, which we'll release again soon, takes a closer look at this phenomenon," he added.
To see the complete list of state median rate rankings and to learn more about how the rates are determined, please visit www.insweb.com/auto-insurance/state-rates.html.
To learn more about saving on car insurance and to compare car insurance quotes, visit InsWeb.com.
About InsWeb
InsWeb Corporation (NASDAQ: INSW) owns and operates a network of leading insurance marketplace and education websites. Founded in 1995 and headquartered in Sacramento, California, InsWeb's primary properties include InsWeb.com, MedHealthInsurance.com, LocalInsuranceAgents.com, and AgentInsider.com. InsWeb has invented multiple e-commerce and online insurance distribution technologies and owns the following patents: 6,898,597; 7,107,325; 7,389,246; 7,640,176 and 7,707,505.