Here is the handout for the FISCA talk on financial planning. Feel free to download and print the handout. You can attend the talk organised by FISCA by registering in www.easysearch.sg/fisca (click on Events).
Wednesday, August 31, 2011
FISCA Talk - Get value from your life insurance
This is the handout of the talk given by FISCA on life insurance. Attend the talk and get a better understanding of how to select the right life insurance policy. Feel free to download the PDF for your reading. If you wish to attend the talk, go to www.easysearch.sg/fisca and click on "Events".
Let elected MPs do their duty
This letter was not published in the Straits Times.
31 August 2011
Editor
Forum Page
Straits Times
Forum Page
Straits Times
I refer to the letter from the director of corporate and marketing communication of the People's Association "Why opposition MPs cannot be grass-roots advisers". She said, "Besides connecting people to people, grassroots advisers are required to help the Government connect with people and help promote government policies and programs such as anti-dengue and active ageing........
I am disappointed with this partisan position taken publicly by a senior civil servant. I would request her to take a more objective look at the mission of the People's Association, which is to build and bridge communities and promote racial harmony and social cohesion in Singapore. I could not detect any reference to the need to link up with the people ONLY through the ruling party which forms the Government.
Members of Parliament from all political parties were elected to represent the people in their constituency. It can be argued that they are part and parcel of the government process of community engagement and representation. They should be entrusted with the role. All MPs, regardless of their political party affiliation, are paid out of public funds and should be required to perform the duties for which they are paid - otherwise, the public funds would be wasted.
I would suspect that the defeated candidates from the ruling party would have to struggle with the indignity of being advisers to grassroots organizations which have to connect with people who have rejected them. It does make a mockery of our democratic system.
After the last general elections, the Prime Minister had sincerely pledged to engage the people of Singapore and to respond objectively. I respect him for that and urge him to take a closer look at this aberration of our democratic process and let the opposition MPs do the job that they have been entrusted with by the people.
If they still do a good job, they deserve to be given the chance to be chosen again by the people. If they do not, despite the level playing field, the decision of the people will be swift and sure.
I would also call on the professionals in the publicly funded statutory bodies to perform their duty in a neutral and non-partisan manner. Singapore has matured and there's no need to perpetuate the political baggage of a different era.
Tan Kin Lian
Leona Lewis Releases Music Video for ?Collide? - News And Society
[unable to retrieve full-text content]The soccer star and his former "Spice Girls" singer wife proudly announced that their daughter has been doted with the name of Harper Seven Beckham. Breaking the news via his Facebook page, David giddily wrote, ?I am so ...
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Voice of the People website
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Relieving Stress Fractures to Avoid Back Pain ? Mediaputz Article ...
You can relieve back pain if stress is affecting a fracture. The zones you want to focus on are the femur, patella, tibia, fibula, tarsus, and the metatarsus. Fractured bones to be precise are broken bones. The bones however are detained and held in tact by surfacing tension, as well as tissues that surround the bone. Fractures occur when the muscles are overexerted.
Many people are at risk of fractures, especially those who overexert the muscles while exercising. Some people strive to loose weight and fit in a bikini, accordingly these people may workout 7 hours in a day, which is overexerting the muscles. What these people fail to realize is that the muscles need rest, and that working out 30 minutes daily will help you loose weight.
Overexerting the muscles is one of the leading causes of fractures. To spot the problems doctors will use X-rays, bone scans, and so on. Fractures can worsen if left unattended. In short, if you injure the area and fail to seek medical assistance, your problem could worsen. While the body has elements that heal through a natural process, nature is interrupted as we age, which leads to slow healing. If you have sustained a fracture, it is wise to avoid workouts that overexert the muscles. It depends on the bones, i.e. if the elongated bones are fractured; you want to avoid overexerting the muscles up to eight weeks at most.
Fractures can affect the muscles. The muscles skeletal structure is made up of elongated threads of fiber. The fibers assist the muscles by supporting contractions and shortening, which joins the ending attachments. Tissue sheaths enclose around the fibers, which shape specific muscles. Within the muscles, blood will smooth out traveling over the muscles, which the blood will then spread out to the fasica and/or epimysium. The blood travels to the bundles of fasciculus, endomysium, nuclei, fibers and cells, etc.
Damage can occur to the muscles and tissues named. Damage includes complete and incomplete tears. Prolific bleeding may occur if the muscles are completely torn. The muscle damage can be treated with R.I.C.E, i.e. bed rest, ice packs, compression packs, and elevation. You will need to visit your doctor as well.
If the muscles are incompletely torn, likely sections of the sheath are interrupted as well. The injury is also treated with bed rest, ice packs, compression packs, and elevation.
Other tears occur in the muscles, which include intramuscular tears. The tear causes squander to enter the muscles, or blood and travel to the tissues. Fluid is restricted. The condition causes tenderness, and pain. Mobility is limited from this condition, which is in medical terms known as intramuscular haematoma.
If you are diagnosed with this condition, you will need bed rest, ice packs, compression packs, elevation, yet you should challenge the muscles in a couple of days. In other words, start moving around after you have rested in a couple of days.
Failing to do so will lead to worse conditions. Muscles can reduce contractions, which makes the muscles stiff and scar if movement is not applied. Calcification interchanges with the pannus. The results lead to joint subluxation disorders when calcification does not interchange. Calcification is irregular solidification, which can cause swelling and stiffness of the joints. In some instances, intramuscular haematoma can create calcification. Calcification disorders will deposits of calcium salt to occur, which makes the muscles unchangeable and inflexible. Unfortunately, intramuscular disorders can heal slowly, and sometimes surgery is necessary to correct the condition.
Back pain also occurs at what time the tendons are interrupted.
Source: http://www.mediaputz.com/relieving-stress-fractures-to-avoid-back-pain/
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Compare Auto Insurance Quotes Online In An Trouble Free Manner
A car for most people, especially men, is much more than just a comfortable medium of transport. In fact, men in general are so passionate about their cars that even the thought of a minor damage makes them lose sleep. As such it natural for them to seek the best insurance cover for their vehicle and contrary to the popular belief, they can get the best policies at really affordable premium prices. However, for that it is vital to go beyond the conventional means of acquiring the quotation for vehicle coverage. Today, with major insurance providers offering their services through internet, the process of seeking and comparing auto insurance quotes online has not only become quite easy but also helps in saving valuable time and money.
The growing competition between various insurance providers and their desire to attract greater number of clients has enabled the customers to get the best services right at their doorsteps. New business strategies are being designed by these vendors to lure insurance seekers into buying the policies. Companies offering insurance services are well aware of the fact that the only way to win greater market share is by satisfying the diverse needs of clients. As such they are even willing to offer customized cover policies that are based on specific client requirements and assure the customer of complete protection and coverage for their vehicles in case of a mishap.
Most companies have floated specially designed websites for internet users where the clients can readily obtain a wide range of information related to the products and services being offered by them. Additionally, it is possible to find a number of online portals that enable prospective customers to not only obtain the insurance quotes from different vendors but also compare their prices and coverage benefits. This eliminates the need to visit the websites of different service providers individually and then attain and compare their auto insurance quotes online.
Generally, such portals have inbuilt links that enable the users to get the quotes from vendors. This saves a lot of time as clients can obtain multiple auto insurance quotes online within a matter of minutes. Moreover, these portals also offer advice about the most reliable and trustworthy companies that offer such services, making it easier for the users to choose from a plethora of organizations available online.
Campbell Solberg Associates are one of the foremost and reputable insurance agents renowned for their economical, honest and genuine auto insurance quotes online. For more information on their services you can logon to their website http://www.campbellsolberg.com.
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