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Shopping

Lifestyle

Technical Analysis

I would ask you to consider 2nd hand/refurbished laptops. There are a few sellers on Qoo10 that you can consider. I had the same requirements as you and bought mine for $500 and has served me well for the last 2 years.

PFF Panel 2

Seedly PFF 2019

CPF

You can consider using this from CPF Board to calculate: https://www.cpf.gov.sg/eSvc/Web/Schemes/LifeEstimator/LifeEstimator

CPF

PFF Panel 1

Seedly PFF 2019

You should consider paying in CPF first. Using cash to pay off your loan is not a good idea as your home is an illiquid asset, hard to convert back to cash when you need it urgently in times of need like medical emergencies or loss of job. Consider putting your money in other areas, like investments or bonds or even high-interest savings account.

PFF Panel 1

CPF

Seedly PFF 2019

Hi Anon, I'm assuming you're refering to SA instead of RA as mentioned in your question. Personally, I would not advice on that unless you are very certain that you are not going to buy a property in Singapore and going to retire in Malaysia for sure. I would suggest that you should still keep the money in your OA where it is, in case your plans change where you decide to buy a property in Singapore, as you can't reverse the transfer. Alternatively, you can consider investing your OA monies for higher returns. There are many products in the market that you can consider. Do take note that investments are non guaranteed and there will be charges involved.

Insurance

Insurance compaines will not absorb the payouts. The siblings can visit this website to retrieve if there's any unclaimed death proceeds of deceased relations or unclaimed maturity proceeds that have been outstanding for more than 12 motnhs. Link: https://www.lia.org.sg/tools-and-resources/checking-for-unclaimed-proceeds/

Career

Loans

Leslie Koh
Leslie Koh
Level 4. Prodigy
Answered 1h ago
There are many people that I’ve met in my line of work, that studied one field and went to work in non related industries. My suggestion is, work for a year in the field that you wish to pursue and using the work experience to figure what’s your next course of action while saving up money so that it will not be so taxing on you should you choose to further your studies.

Insurance

Hospitalisation Insurance (H&S)

Healthcare

Hi Anon, for outpatient coverage for GP & Specialists, they are usually provided by Employee Benefits or Corporate Insuance which is generally provided by your company. Do check with your HR on what are your entitlements. If you're looking for a standalone to buy for your personal consumption, I don't recall there's any plans in the market now that;s providing that. To answer your 2nd question, most of MediSave Integrated Shield plan covers Pre & Post hospitalisation consultations & treatments. Do take note that the main difference between the different companies are the duration of the pre & post hospitalization benefit coverage.

Credit Card

Leslie Koh
Leslie Koh
Level 4. Prodigy
Answered 1h ago
Depends on what you intend to use for. If you frequent Malaysia, Maybank Family & Friends will be better If you are just using in Singapore, POSB Everyday Card makes more sense. Do take note, there’s a minimum spending required.

Insurance

AXA Shield

Hi Anon, Personally, i would not want to have to pay extra for visiting non panel doctors. There might be cases that you want to see a specific specalist doctor that might not be with a panel doctor with your insurer. The main selling point of AXA's shield plan are their low premiums but do take note that there are some differences and therefore thats why they are able to charge lower premiums. You get what you pay for. I have analysed how the hospital plans of each insurers differ in the market, do feel free to contact me through facebook or email me at [email protected] if you want to take a look!

Insurance

Hospitalisation Insurance (H&S)

Hi Anon, you can look at the NTUC Silver series of plans as well as considering upgrading her Eldershield to a supplement plan to provide a lifetime payout in the event of disability for long term care costs. You may also want to consider a lifetime guaranteed annuity policy to provide her with a stream of income for life, there are some policies that would double the payout in the event of disability as well.
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