Josh Tan Jian Liang
Co-founder https://theastuteparent.com at Promiseland Independent Pte Ltd
34 upvotes received
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I want to impact our society even more and inspire anyone including you to “take charge of your financial future”
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Co-founder https://theastuteparent.com at Promiseland Independent Pte Ltd
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  • Asked by Anonymous

    Josh Tan Jian Liang
    Josh Tan Jian Liang, Co-founder https://theastuteparent.com at Promiseland Independent Pte Ltd
    25 Answers, 34 Upvotes
    Answered 2h ago
    Hi Anonymous, what if you look to manage cost from your rider choice instead of choosing between private and Class A ward. There are certainly benefits with have a coverage of up to private hospital especially when you can afford it. Anyway, medisave can be used to cover most of the base plan premiums and its the rider that will cost you cashflow. NTUC has a 10% co-payment rider. AIA and Pru have a rider with restricted benefits. These are some examples. I've an analysis on how to save on shield plan that could help you understand your choices. https://www.theastuteparent.com/2019/01/am-i-paying-too-much-for-my-ntuc-incomeshield-enhanced/ Good luck and take care!
  • Asked by Anonymous

    Josh Tan Jian Liang
    Josh Tan Jian Liang
    25 Answers, 34 Upvotes
    Answered 3h ago
    Hi anonymous, I saw your reply below. If delivery was in a private hospital and a pregnancy complication happens that is within your ISP, a proration factor would kick in. This means a large part of your bill cannot be claimed. Hence, it is a valid concern for upgrading for possible pregnancy complication needs. There is a waiting period of 10months usually before pregnancy complications can be covered. If you would like to upgrade, most insurers have at present moment launched their new 5% co-payment rider plans. Understand your current ISP for its pregnancy coverage. I've a summary here for you https://www.theastuteparent.com/2017/05/pregnancy-complications-integrated-shield-plan/ Good luck and take care
  • Asked by Anonymous

    Josh Tan Jian Liang
    Josh Tan Jian Liang, Co-founder https://theastuteparent.com at Promiseland Independent Pte Ltd
    25 Answers, 34 Upvotes
    Answered 2d ago
    I think the answer is actually very simple. And this answer does not apply ONLY to financial consultants. It applies to any sales function B to C or B to B. Machines facilitate completion of deals. But not everybody is ready to buy and complete a deal. A lot of consumers are on the fence. For certain products that you are not familiar with, you probably are also a consumer on the fence. But people buy from people. And to make a decision, some prefer a little persuasion or validation to be comfortable before taking a step. It could be a personality trait. It could be a situational uniqueness. If you have been in a sales function, you'd kind of understand this. The sales function of any business, finance or not, is to lend leadership and hope to the customer to take a step forward. Buy a solution to solve the problem.
  • Asked by Anonymous

    Josh Tan Jian Liang
    Josh Tan Jian Liang
    25 Answers, 34 Upvotes
    Answered 5d ago
    I think Hariz has given a good rule of thumb for home affordability. It can help you stay financially prudent. :) Ive this video description to share with you on “should i buy a $750k HDB”
  • Asked by Anonymous

    Josh Tan Jian Liang
    Josh Tan Jian Liang, Co-founder https://theastuteparent.com at Promiseland Independent Pte Ltd
    25 Answers, 34 Upvotes
    Answered 1w ago
    I was an early investor onto Moolahsense, one of the main crowdfunding platforms. Definitely some experience that I can answer your question with. There has been about $6.6k worth of gains clocked thus far. The bulk was in the earlier days. Along the journey there had been defaults also. The risk is sometimes understated and the potential returns sometimes overstated. Good alternative? Maybe only for small amounts that you don't mind speculating? I've shared before on my experience, check till the end of the post for a complete snapshot. Good luck! https://www.theastuteparent.com/2016/04/3-key-tips-invest-crowdfunding/
  • Asked by Anonymous

    Josh Tan Jian Liang
    Josh Tan Jian Liang
    25 Answers, 34 Upvotes
    Answered 1w ago
    Hi, these are some time management ideas I use - Delete social media shortcuts - Delete games - Delete netflix and NO TV Ideas on how you can improve your productivity - Getting focused by setting deadlines - Mastering sleep habits (experts recommend waking up at 5am) I've this video to share with you How You Can Get 10x More Productivity In Your Day!
  • Asked by Anonymous

    Josh Tan Jian Liang
    Josh Tan Jian Liang, Co-founder https://theastuteparent.com at Promiseland Independent Pte Ltd
    25 Answers, 34 Upvotes
    Answered 2w ago
    Hi, sounds like your husband REALLY is against the idea of not working. Probably not a idea to change him regardless of whose pay is higher or coping with family expenses. There must be an underlying belief involved. I'm a parent too. What I do know is if anyone is UNWILLING to be home to be with the kids, the time spent there is NOT GOING TO BE OF ANY USE. Nothing is going to get done. I've this video to share with you to give you more perspective. Good luck =) "How you should react if your wife earns more"
  • Asked by Anonymous

    Josh Tan Jian Liang
    Josh Tan Jian Liang, Co-founder https://theastuteparent.com at Promiseland Independent Pte Ltd
    25 Answers, 34 Upvotes
    Answered 2w ago
    Elastiq plan is quite an interesting new offering to the market. I'm a user of it currently. You can use it more as a flexible savings wallet. Withdrawing and more importantly adding in does not have charges once you fulfill the minimums. At current moment, the 2.02% is slightly higher than current 3y SSB average rates. An extra idea is the additional referral bonus you can get Check my post here for more info, hope it helps https://www.theastuteparent.com/2019/01/elastiq-by-etiqa/
  • Asked by Nicholas Chan

    Josh Tan Jian Liang
    Josh Tan Jian Liang, Co-founder https://theastuteparent.com at Promiseland Independent Pte Ltd
    25 Answers, 34 Upvotes
    Answered 3w ago
    Hi, Travel cancellations (that means before making the trip itself) can be made for ANY conditions if it is a serious condition. To claim for losses in the trip, a doctor's report will likely be needed to substantiate why travel had to be necessary cancelled. Travel insurance without pregnancy exclusions are more for medical requirements during the trip. I've a summary with 4 insurers that cover for i https://www.theastuteparent.com/2017/07/travel-insurance-that-cover-for-pregnancy/ Do check and hope it helps
  • Asked by Anonymous

    Josh Tan Jian Liang
    Josh Tan Jian Liang
    25 Answers, 34 Upvotes
    Answered 3w ago
    The most important thing that impacts you the most is to get a coverage now . Data suggest that by insuring at a younger age, you get to save on total premiums. New wholelife plans these days provide very good coverage to premium. You can check on AVIVA Mywholelife Plan II and Manulife LifeReady. When you get a wholelife plan, it is because you find logic with the idea of "pre-paying" for your insurance. Some plans allow you to complete payment within 10years. Having less premiums to pay when you are pass 50years old is a form of planning. There are standalone critical illness plans. - AVIVA Mymultipay CI - AIA Triple Critical Cover - TM Multicare - Manulife ReadyCompleteCare - Prutriple Protect These plans fit deliver for you comprehensive critical illness coverage. If you want an analysis, you can check on some of the comparisons we've done. https://www.theastuteparent.com/2017/05/aviva-my-multipay-critical-illness-vs-aia-triple-critical-cover/ https://www.theastuteparent.com/2018/02/multicare-vs-multipay-critical-illness/ https://www.theastuteparent.com/2018/08/prutriple-protect-ptp-vs-manulife-ready-completecare-mcc/ Hope it helps. Again the most important thing that impacts you the most is to get a coverage now .
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