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Charmaine Lim Xiaomei

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Charmaine Lim Xiaomei

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Charmaine Lim Xiaomei

43Upvotes
  • Answers (22)
  • Questions (8)
  • Reviews (1)

Insurance

Charmaine Lim Xiaomei
Charmaine Lim Xiaomei

()

Level 4. Prodigy
Updated on 07 Jun 2019
To add on to Jonathan's answer, you may also look at your company's health insurance as corporate plans usually covers pre-existing conditions!

Insurance

Charmaine Lim Xiaomei
Charmaine Lim Xiaomei

()

Level 4. Prodigy
Updated on 07 Jun 2019
Based on my experience, most insurers will allow you to upgrade your current hospitalisation plan / purchase riders but with an exclusion clause for thyroid & its related health issues. Once you are fully discharged by your doctor, you may try to appeal with your insurer to remove the exclusion (though I was advised by my agent that the success of such appeal is very low). However, if you decided to stick with your current plan, you will still be able to claim for Hyperthyroidism and Atrial Fibrillation. If you hold a full time job at the moment, do look at your company insurance as most corporate insurance covers pre-existing / existing / new health condition. PS: I have Grave's disease too and am currently claiming from my company's insurance for my regular outpatient visits (blood test, consultation and medications). (non-finance related) Lastly, would recommend you to: 1. drink green tea daily! Doing so has shown great effects in helping me to lower my resting heart rate from 115-120 to 90-100 2. include one spoon of extra virgin olive oil in your daily diet as it has been shown in many reports to help protect your heart 3. get a fitness tracker so that you can track your heartrate

General

Savings

Charmaine Lim Xiaomei
Charmaine Lim Xiaomei

()

Level 4. Prodigy
Updated on 07 Jun 2019
My brother who is studying at NUS stays in hall and I use his ezlink card to go to work so that I can get train concession at only $45/mth!

General

Charmaine Lim Xiaomei
Charmaine Lim Xiaomei

()

Level 4. Prodigy
Updated on 07 Jun 2019
I'm into gardening lately! After staring at the computer the entire day, I really look forward to going home to trim and admire my plants. Here my biggest harvest so far :) !
Answer image preview

Seedly TGIF

General

Charmaine Lim Xiaomei
Charmaine Lim Xiaomei

()

Level 4. Prodigy
Updated on 07 Jun 2019
Anyone into streetwear here? Surprised to see a plain black Supreme shirt retailing for 140,000 yen (approx 1.8k sgd) in Osaka and the Chinese tourists lugging bags of them šŸ¤· ā™€ļøšŸ¤· ā™€ļøšŸ¤· ā™€ļø

DBS Vickers Securities

Bank Account

Investments

Charmaine Lim Xiaomei
Charmaine Lim Xiaomei

()

Level 4. Prodigy
Updated on 07 Jun 2019
Hi there! Not sure if this answers your question. When I opened my DBS Vikers, it came with a DBS multi-currency account. To use the cash upfront option in Vikers, simply top up your multi-currency account and the buy limit of your Vikers will increase accordingly.

Investments

Charmaine Lim Xiaomei
Charmaine Lim Xiaomei

()

Level 4. Prodigy
Answered on 12 Mar 2019
There is no free lunch in this world. If you are lazy, you probably should not think about investing at all. Failure to do your own due diligence may cause you to lose rather than earn money. Would suggest you read up about ETFs at the start.

Credit Card

Charmaine Lim Xiaomei
Charmaine Lim Xiaomei

()

Level 4. Prodigy
Answered on 11 Mar 2019
I believe retail spend and retail transactions are referring to the same thing. Here's an example of retail transactions by OCBC: ! Also, retail spend / retail transactions =/= offline spendings. Most credit cards covers both offline and online. Perhaps you can state the specific credit cards that you are enquiring about for more definite answers
Answer image preview

Stocks

Investments

Charmaine Lim Xiaomei
Charmaine Lim Xiaomei

()

Level 4. Prodigy
Answered on 04 Mar 2019
I am currently using SGX mobile. Aside from adding your favourite stocks to your watchlist, you can also enable push notifications for company announcements as well as price. The watchlist also includes informative remarks such as CD or XD. Very intuitive with clean interface. App is free as well! !
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Level 4. Prodigy
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