Dear Mr. Tan
I have carried out the Financial Plan in your website based on my personal situation. I now understand how the difference in yield of 2% can make a lot of difference to my retirement income. I never realized it before - did not even check the yield.
May I ask a question. How can I get a higher yield? Where can I find the right insurance policy?
REPLY
You can buy my book "Get Value from your Life Insurance". It shows the yield earned by the life insurance policies in the market. In most cases, the yield is 2% or less. This is quite unsatisfactory.
If you wish to earn a higher yield, you have to invest in an indexed fund. This is explained in my talk "Financial Planning - A Practical Guide" organised by FISCA. You can join the talk on this Saturday. You will also get a free copy of my book "Practical Guide on Financial Planning".
Monday, February 21, 2011
Revolution in the Middle East
** The man who wrote the revolution rulebook **
Dr Gene Sharp is the man credited with the strategy behind the toppling of governments from Serbia to Egypt. http://www.bbc.co.uk/go/em/fr/-/news/world-middle-east-12522848
Will it spread to China and other countries?
Dr Gene Sharp is the man credited with the strategy behind the toppling of governments from Serbia to Egypt. http://www.bbc.co.uk/go/em/fr/-/news/world-middle-east-12522848
Will it spread to China and other countries?
Financial Plan - revised format
A revised format has been implemented for the Financial Plan. Here is a sample of the new format.
Click here to generate a new financial plan for your own situation.
Wine Investment - complaint about cheating
Posted in my blog
The company is ISO certified and has won business performance award from Australia. The local and expatriate executives had high turn over. It started with a nice approach and promised the investment will give a profitable return, once the wine was auctioned at China. The investors hoped that their money can grow somewhere or in good use. The promoters came into the market with a difference objective that get rich by telling one lie after another.
I hope that the Singapore Govt. will investigate into this investment scheme immediately, otherwise it will be another Lehman saga. On the blogs, I asked for assistance on which government department to report to?
REPLY
You should get a few other co-investors and lodge a report to the Police (who will refer it to the commercial affairs department. If you come to my office, I will help you to prepare the document to file the complaint of cheating. Send e-mail to kinlian@gmail.com
The company is ISO certified and has won business performance award from Australia. The local and expatriate executives had high turn over. It started with a nice approach and promised the investment will give a profitable return, once the wine was auctioned at China. The investors hoped that their money can grow somewhere or in good use. The promoters came into the market with a difference objective that get rich by telling one lie after another.
I hope that the Singapore Govt. will investigate into this investment scheme immediately, otherwise it will be another Lehman saga. On the blogs, I asked for assistance on which government department to report to?
REPLY
You should get a few other co-investors and lodge a report to the Police (who will refer it to the commercial affairs department. If you come to my office, I will help you to prepare the document to file the complaint of cheating. Send e-mail to kinlian@gmail.com
Family Life Challenge (win book prizes worth $20)
A Family Life Challenge will be created every day starting at 10 am (from 22 February). Each virtual year will take 1/2 hour and the game can be completed by 6 am of the following day. A bundle of 3 books (Sudoku, Tangram and Shape Quiz) worth $20 will be given as the prize to the top 5 winners in each game.
Each player is entitled to win the prize only once. To claim your prize, you have to take a screen shot of the final year, showing the results of your avatar and its place within the top 5 positions for the year. Include your name, address and a brief comment about the game. This is to be sent to kinlian@gmail.com. An example of the screen shot is found here. In this example, the avatar #1 (current player) has achieved the 3rd position and is entitled to a prize.
This prize will be awarded until further notice.
You can practice with the Practice (1 min) game at 8 pm and the Practice (3 min) game at 9 pm. There will be no prize for these fast games. Players can try this game to practice for the Family Life Challenge.
Tan Kin Lian
Traditional Chinese Medicine - reply to Dr. Colin Ng
Printed in St Times Online Forum
I refer to the letter from Dr. Colin Lim, entitled “SMA’s confusing suggestion (ST 17 Feb 2011).
I agree with the approach taken by the council of the Singapore Medical Association to allow the use of alternative medicine.
My family have enjoyed the use of traditional Chinese medicine (TCM) for three generations. It has been effective in overcoming some health problems that can be corrected by restoring the balance in the body. We seek western medicine only for the more serious conditions. This has helped us to reduce the cost of medical care.
Singapore does not have sufficient doctors who are trained in western medicine to take care of our large population, including the growing number of elderly people. We need all the available resources. The TCM practitioners can play a role in the areas that they are good in.
I agree with Dr. Ng on the value of getting evidence on the effectiveness of the TCM practices. While there is a lack of data of the effective of TCM, based on the approach of data collation used in western medicine, we must not overlook the fact that TCM has been used by many generations and have been found to be useful. If TCM was not useful, it would have been abandoned long ago.
Tan Kin Lian
I refer to the letter from Dr. Colin Lim, entitled “SMA’s confusing suggestion (ST 17 Feb 2011).
I agree with the approach taken by the council of the Singapore Medical Association to allow the use of alternative medicine.
My family have enjoyed the use of traditional Chinese medicine (TCM) for three generations. It has been effective in overcoming some health problems that can be corrected by restoring the balance in the body. We seek western medicine only for the more serious conditions. This has helped us to reduce the cost of medical care.
Singapore does not have sufficient doctors who are trained in western medicine to take care of our large population, including the growing number of elderly people. We need all the available resources. The TCM practitioners can play a role in the areas that they are good in.
I agree with Dr. Ng on the value of getting evidence on the effectiveness of the TCM practices. While there is a lack of data of the effective of TCM, based on the approach of data collation used in western medicine, we must not overlook the fact that TCM has been used by many generations and have been found to be useful. If TCM was not useful, it would have been abandoned long ago.
Tan Kin Lian
Use Google Map to get directions
This example shows how you can use Google Map to get direction to TKL office in Sin Ming. You can buy the books at a discount of up to 50% this week (5 pm to 6.30 pm).
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