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Kdz

"No One"

Kdz

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"No One"

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Kdz

14Upvotes
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Shopping

Kdz
Kdz
Level 3. Wonderkid
Answered 1w ago
For Expedia + shopback I usually do it through web. Log in to your shopback account - Find and click on Expedia - Read the cashback % (its abit lower now) - Click activate or redeem (red button)- It will redirect you to Expedia (If it doesn’t check your pop-up or other security details and start from top again) - You can log in to your Expedia account (that you have set up beforehand) to collect the Expedia reward points, sometimes you can add your airline frequent flyer account here too - Select your booking (you have to do it all at once, no closing or switching browser). Hence, I suggest that you survey and decide on Expedia first before booking through Shopback. Thereafter about a couple of hours you should receive Shopback email. It will start processing after you complete your trip/booking. Previously it takes a while (few months) to confirm the cashback. Previous exp: - Expedia sometimes first send a tentative booking followed by confirmation booking email. - For flights go to the airline to double check your booking by keying in the booking code. - Expedia sometimes have third/fourth-party eg. Hahn airlines so instead of the airline you need to go to the third/fourth party. - For hotels membership I do it during my check-ins. - It’s best if you print out the itinerary + 4th party's, whatever codes or number are there. BW.

General

Kdz
Kdz
Level 3. Wonderkid
Answered on 21 Jun 2019
You may want to check out The Flower Godmother . You can sort the price low to high, can costomize. Have some quite unique arrangements. She's been doing it for years, week in week out. Just another local entrepreneurial friend of mine.

Insurance

Kdz
Kdz
Level 3. Wonderkid
Updated on 10 Jun 2019
Hi there, There is a joint initiative called Emergency Care Collaboration between MOH and private institution (PI) since June 2015. As of now I am only aware of 1 such institution. Under this initiative patient sent in by SCDF ambulances will pay a subsidised rate similar to those in public hospital (A&E fee, C-class ward & follow up in PI) - eligible to use insurance plan, pioneer generation, medishield etc. similar to those in public hospital. Helpful links: https://www.businesstimes.com.sg/government-economy/raffles-hospital-to-receive-patients-sent-by-scdf-ambulances-by-mid-2015 https://www.rafflesmedicalgroup.com/hospital/patients-visitors/emergency-care-collaboration-(ecc) For those not in, I am not sure. Nonetheless with the ever changing healthcare delivery eg. direct admission to community hospital etc. you may want to consider sufficient coverage if you have the means to sustain the premium till the end, some say it’s easier to downgrade then to upgrade. Just extra FYI, some considerations ambulance services may make before sending a patient to tertiary hospitals. 1) Severity of the condition. 2) Number & “type” of personnel responding in the ambulance (Paramedic Level 4 or 5, EMT, EN, RN, Dr.), road condition – ability to stabilize the patient throughout the journey to the hospital. 3) Does the public institution or PI have the manpower, facilities, resources or theatres (trauma team, onsite vs on-call doctors). Not all hospitals are the same, for public it’s generally an “open book”. Even so public hospitals do have their “challenges” : paediatrics (iv cannula, medication doses), severe burn, OT rooms, or IMH A&E cases. So it’s multifactorial, even if they send to the nearest there’s nothing much that can be done except further delaying the treatment if the institution does not have the resources at that moment. Hence public institution are generally selected as they are "open book". Even for mass accident or food poisoning EMS will try to split to various hospitals due to manpower and resources, even though one may be the closest. Unless there’s mass casualty probably PI & public may open up even their helipads (not sure on insurance coverage for heli-borne or winching though, do happen in SG but rare). Hope this helps. Disclaimer: This disclaimer informs readers that the views, thoughts and opinion expressed in the text belong solely to the author. Please also perform your own due diligence.

Savings

Expenses Tracking

Investments

General

Kdz
Kdz
Level 3. Wonderkid
Updated on 07 Jun 2019
Hi Kenneth, This is an interesting idea. Having ocassional interactions with them, I feel there may be a need. Here are my 2 cents. For a start consider a pilot run just for persons with physical disabilities, largely independent and working (I do see a handful of them commuting to work during rush hours). For individuals with intellectual disability we may consider afterwards. Possible topics: 1) Raising awareness and understanding on available aids: - Transport shuttles or cab cards-not just calling a cab every time, - Medical subsidy eligibility (eg. 100% vs 30% subsidies), - What does means testing means (eg. why are they not eligible for subsidised motorised mobility aid or home modification etc.), - Food delivery service comparison (Tingkat etc.) 2) Finance topic: - Same financial topics eg. Insurance, CPF top up, SSB, same as the rest of us (what do we want to know if we are/become disable and still earning) + car park label scheme or train discount before 7:45am - They may need a bit more emphasis on empowerment. Engagement: - Companies hiring PWD. - Community centres. - Inviting prominent individual to share their financial managment and how they prepare for future complication/ deterioration/ condition progression eg. Jason Chee or Yip Pin Xiu on Seedly TV? - Liaise with association eg: https://www.dpa.org.sg/about-us/our-mission-objectives/ Mode of delivery: - Audio + visual (ppt./video) + subtitles +/- hand sign interpreter for Q&A? - Short braille pamphlets (now thinking about it. side track: cash has braille how about e-payment, ibanking) - If older adults in CC, dialect speakers (hokkien, boyanese etc.). Moving forward: - Talk to social workers who interact with PWD. - Apply bigger grants to conduct sessions (home visits) for families of intellectual disability individual. - Can be part of Seedly’s giving back to the community initiative, in the future. Honestly it may be challenging but it’s worth A try then see how. Hope this helps. BW.

Insurance

General

Kdz
Kdz
Level 3. Wonderkid
Updated on 14 May 2019
Dear Anon, thank you for sharing your thoughts and feelings. I am sorry that you have to go through this experience. It is okay to feel what you are feeling right now. I am glad that you’ve found a platform to share. Being bedridden and in an unfamiliar place for individuals with dementia can be very distressing, not only to your Grandma but also to her love ones. While we are working to find it’s cure and preventive solutions There are few ways that may provide comfort to your grandma. While pain reliefs are reasonable, they are temporary with potential side effects. Hence you can consider bringing things that she is familiar with eg. her generation music, radio, books, old pictures, pillows or scent. Based on my published research these may calm individuals with dementia. As for yourself and family, you may consider support groups where you can gain valuable insights and perspectives such as here https://alz.org.sg/csg/ . You can also consider respite care when you bring her home to give yourself a short break when needed. One way to probably keep your mind at ease for the future is to do an Advanced Care Planning or Advance Medical Directives. As of now they are free . These help to inform your wishes to the professionals and family when you do not have the capacity to do so. You may also be at ease knowing that your wishes are out there if anything were to happen. Therefore, apart from insurance I strongly encourage individuals to ink their ACP and AMD. More information here: https://www.healthxchange.sg/healthcare-financing/social-services/advance-medical-directive-advance-care-planning-future-health-crises With that I end with a short quote “Death ends a life but not a relationship.” Hope that everything will be smooth for you and your family, do take care of yourself. . Disclaimer: This disclaimer informs readers that the views, thoughts and opinion expressed in the text belong solely to the author, and not necessarily to the author’s employer, organization, committee or other group or individual. Please also do your due diligence.

Investments

Kdz
Kdz
Level 3. Wonderkid
Updated on 23 Mar 2019
Hi, Below is an example of a buy order on Vickers: ! Let’s break it down: 1. Total contract value (TCV): How much your stock cost (number of stocks X your bid value) 2. Commission: For the bank. “for administrative etc.” 3. Clearing fee: TCV X 0.0325% (mainly for CDP “to help you transfer and hold your stocks after”) 4. SGX Trading fee: TCV X 0.0075% (for SGX services) 5. GST: 7% Total commission & fees: point 2-5 Indicative total: point 1-5. Others: Do note that this is for cash up front. If you bid through cash, it’s a little costlier. Fees may change overtime. As rumours has it, clearing fees may be reviewed in 2020. Suggest that you to calculate the total commission & fees % to see if its worth your bid. For further details on fees you can read here: https://blog.seedly.sg/the-ultimate-cheatsheet-cheapest-stock-brokerage-in-singapore/ For discussion on what is cash upfront vs cash you can read here: https://seedly.sg/questions/what-is-the-difference-between-dbs-vickers-cash-account-online-and-cash-upfront-account For selling its similar depend on your option maybe others can pitch in. Hope this helps. Disclaimer: Please perform your own appropriate due diligence
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Bonds

Investments

Kdz
Kdz
Level 3. Wonderkid
Updated on 22 Mar 2019
Hi Anon, Apart from “today’s climate” you may also want to consider your personal financial outlook ie. studies, wedding, housing etc. Singapore Savings Bond (SSB) is 10 years. Alternatively, you may want to look into Singapore Government Securities (SGS) bond / Singapore’s T-bills. They offer several holding terms 1yr, 5yrs, 20yrs etc. Disclaimer: Please perform your own appropriate due diligence. There is one SGS bond that is currently open for application - until 27 March, 12pm - maturity on Feb 2023. - You can apply it through the “common” eg: DBS/POSB Ibanking/ ATM, - Min $1k (excluding fees). - Open for both competitive and non-competitive bid (Personally if I were to bid I would lean towards non-competitive bid if I really want the bond). - But do note that this is a reopen bond (SGX code: CMHS, last ask price: 99.30). Product sheet link: http://www.sgs.gov.sg/~/media/SGS/SGS%20Announcements%20pdf/Bonds%20PDF/2019/N518100E%20Reopen.pdf Upcoming SGS bond application just FYI and to show the different in holding terms: 18 Apr 19 -10 yr-reopen 22 May 19 -2yr-reopen 19 June 19 -20yr-new Alternatively , you can bid on SGX after the results (but not much movement for SGS bond) or consider ABF SG Bond ETF (A35) / XT SingGovBond SG$ ETF (KV4). For T-Bill next will be on: 19 Jul 19 For further details (pros & cons), I am not sure if there is anything here yet, you can use the search bar above. If not hopefully someone picks up to explain in depth.

Securities

Bonds

Investments

Kdz
Kdz
Level 3. Wonderkid
Answered on 20 Mar 2019
Hi Anon, Great, I've just posted a similar question few minutes ago. Firstly lets layout what it is all about: Initial issue: $300 mil (retail) Minimum denomination: $1,000 Holding period: 5 years (2024) Interest: 3.03% p.a (semi-annually- 28 Mar & 28 Sep) Application date: 20th Mar 19 - 26th Mar 19 (12pm) Application through: DBS, UOB, OCBC ATM / ibanking -with CDP account Name: SIA2019 Ballot outcome: 28 Mar 19 SGX Listing: 29 Mar 19 Others: No credit rating Temasek holds about 55.5% of SIA shares Last SIA bond offering: 2010, 2.15% p.a, Min. $10,000, oversubscribed
Level 3. Wonderkid
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