tag:blogger.com,1999:blog-32778716254543103372024-03-15T02:48:56.238+08:00Wealth MattersCareer. Money. Personal Development.Benjamin Anghttp://www.blogger.com/profile/08136091800952346973noreply@blogger.comBlogger102125tag:blogger.com,1999:blog-3277871625454310337.post-80462783819174743812023-01-02T13:40:00.003+08:002023-01-02T13:40:14.890+08:00New Project, New Sites<p> <span style="background-color: #f7f7f8; color: #374151; font-family: Söhne, ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Ubuntu, Cantarell, "Noto Sans", sans-serif, "Helvetica Neue", Arial, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; white-space: pre-wrap;">Hello!</span></p><p style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(59,130,246,0.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; background-color: #f7f7f8; border: 0px solid rgb(217, 217, 227); box-sizing: border-box; color: #374151; font-family: Söhne, ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Ubuntu, Cantarell, "Noto Sans", sans-serif, "Helvetica Neue", Arial, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin: 1.25em 0px; white-space: pre-wrap;">Thanks for dropping by. I'm excited to share with you that now more personal finance, investment, career, and financial literacy content can be found on <a href="http://www.MoneyPlayschool.com">www.MoneyPlayschool.com</a> </p><p style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(59,130,246,0.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; background-color: #f7f7f8; border: 0px solid rgb(217, 217, 227); box-sizing: border-box; color: #374151; font-family: Söhne, ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Ubuntu, Cantarell, "Noto Sans", sans-serif, "Helvetica Neue", Arial, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin: 1.25em 0px; white-space: pre-wrap;">Money Playschool - Your Money Guide to Adulting is created to share personal finance and financial literacy content in an easy-to-understand and fun way. </p><p style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(59,130,246,0.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; background-color: #f7f7f8; border: 0px solid rgb(217, 217, 227); box-sizing: border-box; color: #374151; font-family: Söhne, ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Ubuntu, Cantarell, "Noto Sans", sans-serif, "Helvetica Neue", Arial, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin: 1.25em 0px; white-space: pre-wrap;">I'm confident it will provide great value for you. </p><p style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(59,130,246,0.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; background-color: #f7f7f8; border: 0px solid rgb(217, 217, 227); box-sizing: border-box; color: #374151; font-family: Söhne, ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Ubuntu, Cantarell, "Noto Sans", sans-serif, "Helvetica Neue", Arial, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin: 1.25em 0px; white-space: pre-wrap;">Thank you for your support!</p><p style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(59,130,246,0.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; background-color: #f7f7f8; border: 0px solid rgb(217, 217, 227); box-sizing: border-box; color: #374151; font-family: Söhne, ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Ubuntu, Cantarell, "Noto Sans", sans-serif, "Helvetica Neue", Arial, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin: 1.25em 0px; white-space: pre-wrap;">Sincerely,
Ben</p>Benjamin Anghttp://www.blogger.com/profile/08136091800952346973noreply@blogger.com1tag:blogger.com,1999:blog-3277871625454310337.post-61671178680051321472017-09-15T18:47:00.000+08:002017-09-15T18:47:08.455+08:00Create awesome facebook videos, key areas where advisers have an advantage in era of artificial intelligence.. and more..<span class="feed-link ember-view" data-control-name="original_share" id="ember3423" role="link" style="background: 0px 0px rgb(255, 255, 255); border: 0px; box-sizing: inherit; color: rgba(0, 0, 0, 0.7); font-family: "Source Sans Pro", Helvetica, Arial, sans-serif, "Hiragino Kaku Gothic Pro", Meiryo, "Hiragino Sans GB W3", "Noto Naskh Arabic", "Droid Arabic Naskh", "Geeza Pro", "Simplified Arabic", "Noto Sans Thai", Thonburi, Dokchampa, "Droid Sans Thai", "Droid Sans Fallback", -apple-system, ".SFNSDisplay-Regular", "Heiti SC", "Microsoft Yahei", "Segoe UI"; font-size: 15px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; white-space: pre-wrap;" tabindex="0"><span class="ember-view" data-control-name="original_share" id="ember3424" style="background: 0px 0px; border: 0px; box-sizing: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><span style="background: 0px 0px; border: 0px; box-sizing: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Lessons from 10,000 top performing facebook videos </span></span></span><br />
<span class="feed-link ember-view" data-control-name="original_share" role="link" style="background: 0px 0px rgb(255, 255, 255); border: 0px; box-sizing: inherit; color: rgba(0, 0, 0, 0.7); font-family: "Source Sans Pro", Helvetica, Arial, sans-serif, "Hiragino Kaku Gothic Pro", Meiryo, "Hiragino Sans GB W3", "Noto Naskh Arabic", "Droid Arabic Naskh", "Geeza Pro", "Simplified Arabic", "Noto Sans Thai", Thonburi, Dokchampa, "Droid Sans Thai", "Droid Sans Fallback", -apple-system, ".SFNSDisplay-Regular", "Heiti SC", "Microsoft Yahei", "Segoe UI"; font-size: 15px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; white-space: pre-wrap;" tabindex="0"><span class="ember-view" data-control-name="original_share" style="background: 0px 0px; border: 0px; box-sizing: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><span style="background: 0px 0px; border: 0px; box-sizing: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><br /></span></span></span>
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<span class="feed-link ember-view" data-control-name="original_share" role="link" style="background: 0px 0px rgb(255, 255, 255); border: 0px; box-sizing: inherit; color: rgba(0, 0, 0, 0.7); font-family: "Source Sans Pro", Helvetica, Arial, sans-serif, "Hiragino Kaku Gothic Pro", Meiryo, "Hiragino Sans GB W3", "Noto Naskh Arabic", "Droid Arabic Naskh", "Geeza Pro", "Simplified Arabic", "Noto Sans Thai", Thonburi, Dokchampa, "Droid Sans Thai", "Droid Sans Fallback", -apple-system, ".SFNSDisplay-Regular", "Heiti SC", "Microsoft Yahei", "Segoe UI"; font-size: 15px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; white-space: pre-wrap;" tabindex="0"><span class="ember-view" data-control-name="original_share" style="background: 0px 0px; border: 0px; box-sizing: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><span style="background: 0px 0px; border: 0px; box-sizing: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">
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<span class="feed-link ember-view" data-control-name="original_share" role="link" style="background: 0px 0px rgb(255, 255, 255); border: 0px; box-sizing: inherit; color: rgba(0, 0, 0, 0.7); font-family: "Source Sans Pro", Helvetica, Arial, sans-serif, "Hiragino Kaku Gothic Pro", Meiryo, "Hiragino Sans GB W3", "Noto Naskh Arabic", "Droid Arabic Naskh", "Geeza Pro", "Simplified Arabic", "Noto Sans Thai", Thonburi, Dokchampa, "Droid Sans Thai", "Droid Sans Fallback", -apple-system, ".SFNSDisplay-Regular", "Heiti SC", "Microsoft Yahei", "Segoe UI"; font-size: 15px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; white-space: pre-wrap;" tabindex="0"><span class="ember-view" data-control-name="original_share" style="background: 0px 0px; border: 0px; box-sizing: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><span style="background: 0px 0px; border: 0px; box-sizing: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Want to know the ideal length of a video? What kind of content outperforms? 5 tips from an analysis of 10,000 top videos. </span></span></span><a class="feed-link ember-view" href="http://bit.ly/2fegfrJ" id="ember3427" style="background: 0px 0px rgb(255, 255, 255); border: 0px; box-sizing: inherit; color: #0084bf; font-family: "Source Sans Pro", Helvetica, Arial, sans-serif, "Hiragino Kaku Gothic Pro", Meiryo, "Hiragino Sans GB W3", "Noto Naskh Arabic", "Droid Arabic Naskh", "Geeza Pro", "Simplified Arabic", "Noto Sans Thai", Thonburi, Dokchampa, "Droid Sans Thai", "Droid Sans Fallback", -apple-system, ".SFNSDisplay-Regular", "Heiti SC", "Microsoft Yahei", "Segoe UI"; font-size: 15px; font-weight: 700; margin: 0px; padding: 0px; text-decoration-line: none; touch-action: manipulation; vertical-align: baseline; white-space: pre-wrap;" target="_blank">http://bit.ly/2fegfrJ</a><span class="feed-link ember-view" data-control-name="original_share" id="ember3429" role="link" style="background: 0px 0px rgb(255, 255, 255); border: 0px; box-sizing: inherit; color: rgba(0, 0, 0, 0.7); font-family: "Source Sans Pro", Helvetica, Arial, sans-serif, "Hiragino Kaku Gothic Pro", Meiryo, "Hiragino Sans GB W3", "Noto Naskh Arabic", "Droid Arabic Naskh", "Geeza Pro", "Simplified Arabic", "Noto Sans Thai", Thonburi, Dokchampa, "Droid Sans Thai", "Droid Sans Fallback", -apple-system, ".SFNSDisplay-Regular", "Heiti SC", "Microsoft Yahei", "Segoe UI"; font-size: 15px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; white-space: pre-wrap;" tabindex="0"><span class="ember-view" data-control-name="original_share" id="ember3430" style="background: 0px 0px; border: 0px; box-sizing: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><span style="background: 0px 0px; border: 0px; box-sizing: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">
So much going on about digitalisation, AI and robo-advisers, Low Shih-Nin, MD of Southeast Asia Markets, RGA Reinsurance, shares key areas where Advisers have an advantage. </span></span></span><a class="feed-link ember-view" href="http://bit.ly/2xh4gmU" id="ember3433" style="background: 0px 0px rgb(255, 255, 255); border: 0px; box-sizing: inherit; color: #0084bf; font-family: "Source Sans Pro", Helvetica, Arial, sans-serif, "Hiragino Kaku Gothic Pro", Meiryo, "Hiragino Sans GB W3", "Noto Naskh Arabic", "Droid Arabic Naskh", "Geeza Pro", "Simplified Arabic", "Noto Sans Thai", Thonburi, Dokchampa, "Droid Sans Thai", "Droid Sans Fallback", -apple-system, ".SFNSDisplay-Regular", "Heiti SC", "Microsoft Yahei", "Segoe UI"; font-size: 15px; font-weight: 700; margin: 0px; padding: 0px; text-decoration-line: none; touch-action: manipulation; vertical-align: baseline; white-space: pre-wrap;" target="_blank">http://bit.ly/2xh4gmU</a><span class="feed-link ember-view" data-control-name="original_share" id="ember3435" role="link" style="background: 0px 0px rgb(255, 255, 255); border: 0px; box-sizing: inherit; color: rgba(0, 0, 0, 0.7); font-family: "Source Sans Pro", Helvetica, Arial, sans-serif, "Hiragino Kaku Gothic Pro", Meiryo, "Hiragino Sans GB W3", "Noto Naskh Arabic", "Droid Arabic Naskh", "Geeza Pro", "Simplified Arabic", "Noto Sans Thai", Thonburi, Dokchampa, "Droid Sans Thai", "Droid Sans Fallback", -apple-system, ".SFNSDisplay-Regular", "Heiti SC", "Microsoft Yahei", "Segoe UI"; font-size: 15px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; white-space: pre-wrap;" tabindex="0"><span class="ember-view" data-control-name="original_share" id="ember3436" style="background: 0px 0px; border: 0px; box-sizing: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><span style="background: 0px 0px; border: 0px; box-sizing: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">
Tech & chatbot are words that somehow have been linked with dis-intermediation. That line of thought is too one-dimensional. Here’s another example of an insurer enabling their advisers through tech. askPRU, a cognitive-powered chatbot. How? </span></span></span><a class="feed-link ember-view" href="http://bit.ly/2wlYP1U" id="ember3439" style="background: 0px 0px rgb(255, 255, 255); border: 0px; box-sizing: inherit; color: #0084bf; font-family: "Source Sans Pro", Helvetica, Arial, sans-serif, "Hiragino Kaku Gothic Pro", Meiryo, "Hiragino Sans GB W3", "Noto Naskh Arabic", "Droid Arabic Naskh", "Geeza Pro", "Simplified Arabic", "Noto Sans Thai", Thonburi, Dokchampa, "Droid Sans Thai", "Droid Sans Fallback", -apple-system, ".SFNSDisplay-Regular", "Heiti SC", "Microsoft Yahei", "Segoe UI"; font-size: 15px; font-weight: 700; margin: 0px; padding: 0px; text-decoration-line: none; touch-action: manipulation; vertical-align: baseline; white-space: pre-wrap;" target="_blank">http://bit.ly/2wlYP1U</a><span class="feed-link ember-view" data-control-name="original_share" id="ember3441" role="link" style="background: 0px 0px rgb(255, 255, 255); border: 0px; box-sizing: inherit; color: rgba(0, 0, 0, 0.7); font-family: "Source Sans Pro", Helvetica, Arial, sans-serif, "Hiragino Kaku Gothic Pro", Meiryo, "Hiragino Sans GB W3", "Noto Naskh Arabic", "Droid Arabic Naskh", "Geeza Pro", "Simplified Arabic", "Noto Sans Thai", Thonburi, Dokchampa, "Droid Sans Thai", "Droid Sans Fallback", -apple-system, ".SFNSDisplay-Regular", "Heiti SC", "Microsoft Yahei", "Segoe UI"; font-size: 15px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; white-space: pre-wrap;" tabindex="0"><span class="ember-view" data-control-name="original_share" id="ember3442" style="background: 0px 0px; border: 0px; box-sizing: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><span style="background: 0px 0px; border: 0px; box-sizing: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">
Never miss a story. Subscribe here to get the complimentary AgentsWIN delivered to your inbox. </span></span></span><a class="feed-link ember-view" href="http://bit.ly/2wso8Em" id="ember3445" style="background: 0px 0px rgb(255, 255, 255); border: 0px; box-sizing: inherit; color: #0084bf; font-family: "Source Sans Pro", Helvetica, Arial, sans-serif, "Hiragino Kaku Gothic Pro", Meiryo, "Hiragino Sans GB W3", "Noto Naskh Arabic", "Droid Arabic Naskh", "Geeza Pro", "Simplified Arabic", "Noto Sans Thai", Thonburi, Dokchampa, "Droid Sans Thai", "Droid Sans Fallback", -apple-system, ".SFNSDisplay-Regular", "Heiti SC", "Microsoft Yahei", "Segoe UI"; font-size: 15px; font-weight: 700; margin: 0px; padding: 0px; text-decoration-line: none; touch-action: manipulation; vertical-align: baseline; white-space: pre-wrap;" target="_blank">http://bit.ly/2wso8Em</a><span class="feed-link ember-view" data-control-name="original_share" id="ember3447" role="link" style="background: 0px 0px rgb(255, 255, 255); border: 0px; box-sizing: inherit; color: rgba(0, 0, 0, 0.7); font-family: "Source Sans Pro", Helvetica, Arial, sans-serif, "Hiragino Kaku Gothic Pro", Meiryo, "Hiragino Sans GB W3", "Noto Naskh Arabic", "Droid Arabic Naskh", "Geeza Pro", "Simplified Arabic", "Noto Sans Thai", Thonburi, Dokchampa, "Droid Sans Thai", "Droid Sans Fallback", -apple-system, ".SFNSDisplay-Regular", "Heiti SC", "Microsoft Yahei", "Segoe UI"; font-size: 15px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; white-space: pre-wrap;" tabindex="0"><span class="ember-view" data-control-name="original_share" id="ember3448" style="background: 0px 0px; border: 0px; box-sizing: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><span style="background: 0px 0px; border: 0px; box-sizing: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">
And a recap on some of the impressive winners of the 2nd Asia Trusted Life Agents and Advisers Awards
Technology Provider of the Year for Agents – eBaoTech </span></span></span><a class="feed-link ember-view" href="http://bit.ly/2wVDBKl" id="ember3451" style="background: 0px 0px rgb(255, 255, 255); border: 0px; box-sizing: inherit; color: #0084bf; font-family: "Source Sans Pro", Helvetica, Arial, sans-serif, "Hiragino Kaku Gothic Pro", Meiryo, "Hiragino Sans GB W3", "Noto Naskh Arabic", "Droid Arabic Naskh", "Geeza Pro", "Simplified Arabic", "Noto Sans Thai", Thonburi, Dokchampa, "Droid Sans Thai", "Droid Sans Fallback", -apple-system, ".SFNSDisplay-Regular", "Heiti SC", "Microsoft Yahei", "Segoe UI"; font-size: 15px; font-weight: 700; margin: 0px; padding: 0px; text-decoration-line: none; touch-action: manipulation; vertical-align: baseline; white-space: pre-wrap;" target="_blank">http://bit.ly/2wVDBKl</a><span class="feed-link ember-view" data-control-name="original_share" id="ember3453" role="link" style="background: 0px 0px rgb(255, 255, 255); border: 0px; box-sizing: inherit; color: rgba(0, 0, 0, 0.7); font-family: "Source Sans Pro", Helvetica, Arial, sans-serif, "Hiragino Kaku Gothic Pro", Meiryo, "Hiragino Sans GB W3", "Noto Naskh Arabic", "Droid Arabic Naskh", "Geeza Pro", "Simplified Arabic", "Noto Sans Thai", Thonburi, Dokchampa, "Droid Sans Thai", "Droid Sans Fallback", -apple-system, ".SFNSDisplay-Regular", "Heiti SC", "Microsoft Yahei", "Segoe UI"; font-size: 15px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; white-space: pre-wrap;" tabindex="0"><span class="ember-view" data-control-name="original_share" id="ember3454" style="background: 0px 0px; border: 0px; box-sizing: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><span style="background: 0px 0px; border: 0px; box-sizing: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">
Insurance Agency Leader of the Year - Ms Karine Lam </span></span></span><a class="feed-link ember-view" href="http://bit.ly/2gZtVah" id="ember3457" style="background: 0px 0px rgb(255, 255, 255); border: 0px; box-sizing: inherit; color: #0084bf; font-family: "Source Sans Pro", Helvetica, Arial, sans-serif, "Hiragino Kaku Gothic Pro", Meiryo, "Hiragino Sans GB W3", "Noto Naskh Arabic", "Droid Arabic Naskh", "Geeza Pro", "Simplified Arabic", "Noto Sans Thai", Thonburi, Dokchampa, "Droid Sans Thai", "Droid Sans Fallback", -apple-system, ".SFNSDisplay-Regular", "Heiti SC", "Microsoft Yahei", "Segoe UI"; font-size: 15px; font-weight: 700; margin: 0px; padding: 0px; text-decoration-line: none; touch-action: manipulation; vertical-align: baseline; white-space: pre-wrap;" target="_blank">http://bit.ly/2gZtVah</a><span class="feed-link ember-view" data-control-name="original_share" id="ember3459" role="link" style="background: 0px 0px rgb(255, 255, 255); border: 0px; box-sizing: inherit; color: rgba(0, 0, 0, 0.7); font-family: "Source Sans Pro", Helvetica, Arial, sans-serif, "Hiragino Kaku Gothic Pro", Meiryo, "Hiragino Sans GB W3", "Noto Naskh Arabic", "Droid Arabic Naskh", "Geeza Pro", "Simplified Arabic", "Noto Sans Thai", Thonburi, Dokchampa, "Droid Sans Thai", "Droid Sans Fallback", -apple-system, ".SFNSDisplay-Regular", "Heiti SC", "Microsoft Yahei", "Segoe UI"; font-size: 15px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; white-space: pre-wrap;" tabindex="0"><span class="ember-view" data-control-name="original_share" id="ember3460" style="background: 0px 0px; border: 0px; box-sizing: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><span style="background: 0px 0px; border: 0px; box-sizing: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">
Rookie Insurance Agency Leader of the Year - Mr Chong Jit Shan </span></span></span><a class="feed-link ember-view" href="http://bit.ly/2wlH82Q" id="ember3463" style="background: 0px 0px rgb(255, 255, 255); border: 0px; box-sizing: inherit; color: #0084bf; font-family: "Source Sans Pro", Helvetica, Arial, sans-serif, "Hiragino Kaku Gothic Pro", Meiryo, "Hiragino Sans GB W3", "Noto Naskh Arabic", "Droid Arabic Naskh", "Geeza Pro", "Simplified Arabic", "Noto Sans Thai", Thonburi, Dokchampa, "Droid Sans Thai", "Droid Sans Fallback", -apple-system, ".SFNSDisplay-Regular", "Heiti SC", "Microsoft Yahei", "Segoe UI"; font-size: 15px; font-weight: 700; margin: 0px; padding: 0px; text-decoration-line: none; touch-action: manipulation; vertical-align: baseline; white-space: pre-wrap;" target="_blank">http://bit.ly/2wlH82Q</a><span class="feed-link ember-view" data-control-name="original_share" id="ember3465" role="link" style="background: 0px 0px rgb(255, 255, 255); border: 0px; box-sizing: inherit; color: rgba(0, 0, 0, 0.7); font-family: "Source Sans Pro", Helvetica, Arial, sans-serif, "Hiragino Kaku Gothic Pro", Meiryo, "Hiragino Sans GB W3", "Noto Naskh Arabic", "Droid Arabic Naskh", "Geeza Pro", "Simplified Arabic", "Noto Sans Thai", Thonburi, Dokchampa, "Droid Sans Thai", "Droid Sans Fallback", -apple-system, ".SFNSDisplay-Regular", "Heiti SC", "Microsoft Yahei", "Segoe UI"; font-size: 15px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; white-space: pre-wrap;" tabindex="0"><span class="ember-view" data-control-name="original_share" id="ember3466" style="background: 0px 0px; border: 0px; box-sizing: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><span style="background: 0px 0px; border: 0px; box-sizing: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">
Rookie Insurance Agent of the Year - Ms Melody Yang </span></span></span><a class="feed-link ember-view" href="http://bit.ly/2wWRyth" id="ember3469" style="background: 0px 0px rgb(255, 255, 255); border: 0px; box-sizing: inherit; color: #0084bf; font-family: "Source Sans Pro", Helvetica, Arial, sans-serif, "Hiragino Kaku Gothic Pro", Meiryo, "Hiragino Sans GB W3", "Noto Naskh Arabic", "Droid Arabic Naskh", "Geeza Pro", "Simplified Arabic", "Noto Sans Thai", Thonburi, Dokchampa, "Droid Sans Thai", "Droid Sans Fallback", -apple-system, ".SFNSDisplay-Regular", "Heiti SC", "Microsoft Yahei", "Segoe UI"; font-size: 15px; font-weight: 700; margin: 0px; padding: 0px; text-decoration-line: none; touch-action: manipulation; vertical-align: baseline; white-space: pre-wrap;" target="_blank">http://bit.ly/2wWRyth</a><br />
<br />
<br />Benjamin Anghttp://www.blogger.com/profile/08136091800952346973noreply@blogger.com37tag:blogger.com,1999:blog-3277871625454310337.post-1337484937548223732017-09-04T19:00:00.000+08:002017-09-04T19:00:50.876+08:00Face-to-face insurance advice or digital advice - not a binary decision<br />
<span class="ember-view" id="ember3305" style="background: 0px 0px rgb(255, 255, 255); border: 0px; box-sizing: inherit; color: rgba(0, 0, 0, 0.7); font-family: "Source Sans Pro", Helvetica, Arial, sans-serif, "Hiragino Kaku Gothic Pro", Meiryo, "Hiragino Sans GB W3", "Noto Naskh Arabic", "Droid Arabic Naskh", "Geeza Pro", "Simplified Arabic", "Noto Sans Thai", Thonburi, Dokchampa, "Droid Sans Thai", "Droid Sans Fallback", -apple-system, ".SFNSDisplay-Regular", "Heiti SC", "Microsoft Yahei", "Segoe UI"; font-size: 15px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; white-space: pre-wrap;"><span style="background: 0px 0px; border: 0px; box-sizing: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">"The mistake that people often make is that they think there is a binary decision between digital advice or face-to-face. And the reality is that consumers don't think about the world in that way," said Mr Roy Gori, President, Manulife Financial Corporation.</span></span><br />
<span class="ember-view" style="background: 0px 0px rgb(255, 255, 255); border: 0px; box-sizing: inherit; color: rgba(0, 0, 0, 0.7); font-family: "Source Sans Pro", Helvetica, Arial, sans-serif, "Hiragino Kaku Gothic Pro", Meiryo, "Hiragino Sans GB W3", "Noto Naskh Arabic", "Droid Arabic Naskh", "Geeza Pro", "Simplified Arabic", "Noto Sans Thai", Thonburi, Dokchampa, "Droid Sans Thai", "Droid Sans Fallback", -apple-system, ".SFNSDisplay-Regular", "Heiti SC", "Microsoft Yahei", "Segoe UI"; font-size: 15px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; white-space: pre-wrap;"><span style="background: 0px 0px; border: 0px; box-sizing: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><br /></span></span>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhPyG8X_syg4HZjGH9_blz6AlQ-HXxuPFJTCEKD5M8qTyxYI1-nc9bcCx7jkYJochBVR_ZmjEanPSVIcahqoEGfkdL1QwFslFRrtvSZ5pHxnXxJiuvJr50-ONTqCW9Ux6MdpO97n1NghdJL/s1600/Roy+Gori.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="1067" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhPyG8X_syg4HZjGH9_blz6AlQ-HXxuPFJTCEKD5M8qTyxYI1-nc9bcCx7jkYJochBVR_ZmjEanPSVIcahqoEGfkdL1QwFslFRrtvSZ5pHxnXxJiuvJr50-ONTqCW9Ux6MdpO97n1NghdJL/s320/Roy+Gori.jpg" width="213" /></a></div>
<span class="ember-view" style="background: 0px 0px rgb(255, 255, 255); border: 0px; box-sizing: inherit; color: rgba(0, 0, 0, 0.7); font-family: "Source Sans Pro", Helvetica, Arial, sans-serif, "Hiragino Kaku Gothic Pro", Meiryo, "Hiragino Sans GB W3", "Noto Naskh Arabic", "Droid Arabic Naskh", "Geeza Pro", "Simplified Arabic", "Noto Sans Thai", Thonburi, Dokchampa, "Droid Sans Thai", "Droid Sans Fallback", -apple-system, ".SFNSDisplay-Regular", "Heiti SC", "Microsoft Yahei", "Segoe UI"; font-size: 15px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; white-space: pre-wrap;"><span style="background: 0px 0px; border: 0px; box-sizing: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><br /></span></span>
<span class="ember-view" style="background: 0px 0px rgb(255, 255, 255); border: 0px; box-sizing: inherit; color: rgba(0, 0, 0, 0.7); font-family: "Source Sans Pro", Helvetica, Arial, sans-serif, "Hiragino Kaku Gothic Pro", Meiryo, "Hiragino Sans GB W3", "Noto Naskh Arabic", "Droid Arabic Naskh", "Geeza Pro", "Simplified Arabic", "Noto Sans Thai", Thonburi, Dokchampa, "Droid Sans Thai", "Droid Sans Fallback", -apple-system, ".SFNSDisplay-Regular", "Heiti SC", "Microsoft Yahei", "Segoe UI"; font-size: 15px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; white-space: pre-wrap;"><span style="background: 0px 0px; border: 0px; box-sizing: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><br /></span></span>
<span class="ember-view" style="background: 0px 0px rgb(255, 255, 255); border: 0px; box-sizing: inherit; color: rgba(0, 0, 0, 0.7); font-family: "Source Sans Pro", Helvetica, Arial, sans-serif, "Hiragino Kaku Gothic Pro", Meiryo, "Hiragino Sans GB W3", "Noto Naskh Arabic", "Droid Arabic Naskh", "Geeza Pro", "Simplified Arabic", "Noto Sans Thai", Thonburi, Dokchampa, "Droid Sans Thai", "Droid Sans Fallback", -apple-system, ".SFNSDisplay-Regular", "Heiti SC", "Microsoft Yahei", "Segoe UI"; font-size: 15px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; white-space: pre-wrap;"><span style="background: 0px 0px; border: 0px; box-sizing: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><i><a href="about:invalid#zClosurez" target="_blank">First posted on my LinkedIn</a>:</i>
</span></span><br />
<span class="ember-view" style="background: 0px 0px rgb(255, 255, 255); border: 0px; box-sizing: inherit; color: rgba(0, 0, 0, 0.7); font-family: "Source Sans Pro", Helvetica, Arial, sans-serif, "Hiragino Kaku Gothic Pro", Meiryo, "Hiragino Sans GB W3", "Noto Naskh Arabic", "Droid Arabic Naskh", "Geeza Pro", "Simplified Arabic", "Noto Sans Thai", Thonburi, Dokchampa, "Droid Sans Thai", "Droid Sans Fallback", -apple-system, ".SFNSDisplay-Regular", "Heiti SC", "Microsoft Yahei", "Segoe UI"; font-size: 15px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; white-space: pre-wrap;"><span style="background: 0px 0px; border: 0px; box-sizing: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">
Couldn't agree more. It's not a "either or". The potential for agents/advisers to excel by tapping tech is one to watch, rather than the common robo Vs human rhetoric
</span></span><a class="feed-link ember-view" href="http://bit.ly/2gsdbvy" id="ember3308" style="background: 0px 0px rgb(255, 255, 255); border: 0px; box-sizing: inherit; color: #0084bf; font-family: "Source Sans Pro", Helvetica, Arial, sans-serif, "Hiragino Kaku Gothic Pro", Meiryo, "Hiragino Sans GB W3", "Noto Naskh Arabic", "Droid Arabic Naskh", "Geeza Pro", "Simplified Arabic", "Noto Sans Thai", Thonburi, Dokchampa, "Droid Sans Thai", "Droid Sans Fallback", -apple-system, ".SFNSDisplay-Regular", "Heiti SC", "Microsoft Yahei", "Segoe UI"; font-size: 15px; font-weight: 700; margin: 0px; padding: 0px; text-decoration-line: none; touch-action: manipulation; vertical-align: baseline; white-space: pre-wrap;" target="_blank">http://bit.ly/2gsdbvy</a><span class="ember-view" id="ember3310" style="background: 0px 0px rgb(255, 255, 255); border: 0px; box-sizing: inherit; color: rgba(0, 0, 0, 0.7); font-family: "Source Sans Pro", Helvetica, Arial, sans-serif, "Hiragino Kaku Gothic Pro", Meiryo, "Hiragino Sans GB W3", "Noto Naskh Arabic", "Droid Arabic Naskh", "Geeza Pro", "Simplified Arabic", "Noto Sans Thai", Thonburi, Dokchampa, "Droid Sans Thai", "Droid Sans Fallback", -apple-system, ".SFNSDisplay-Regular", "Heiti SC", "Microsoft Yahei", "Segoe UI"; font-size: 15px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; white-space: pre-wrap;"><span style="background: 0px 0px; border: 0px; box-sizing: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">
And of course, if you're reading this, you're on LinkedIn and you know the importance of the largest online professional network in the world. But do you know how important? Do you know how many potential new people you can be introduced to with each connection? And do you know how many LinkedIn members there are in the world and in APAC?
Find out: </span></span><a class="feed-link ember-view" href="http://bit.ly/2eH8j1Y" id="ember3313" style="background: 0px 0px rgb(255, 255, 255); border: 0px; box-sizing: inherit; color: #0084bf; font-family: "Source Sans Pro", Helvetica, Arial, sans-serif, "Hiragino Kaku Gothic Pro", Meiryo, "Hiragino Sans GB W3", "Noto Naskh Arabic", "Droid Arabic Naskh", "Geeza Pro", "Simplified Arabic", "Noto Sans Thai", Thonburi, Dokchampa, "Droid Sans Thai", "Droid Sans Fallback", -apple-system, ".SFNSDisplay-Regular", "Heiti SC", "Microsoft Yahei", "Segoe UI"; font-size: 15px; font-weight: 700; margin: 0px; padding: 0px; text-decoration-line: none; touch-action: manipulation; vertical-align: baseline; white-space: pre-wrap;" target="_blank">http://bit.ly/2eH8j1Y</a><span class="ember-view" id="ember3315" style="background: 0px 0px rgb(255, 255, 255); border: 0px; box-sizing: inherit; color: rgba(0, 0, 0, 0.7); font-family: "Source Sans Pro", Helvetica, Arial, sans-serif, "Hiragino Kaku Gothic Pro", Meiryo, "Hiragino Sans GB W3", "Noto Naskh Arabic", "Droid Arabic Naskh", "Geeza Pro", "Simplified Arabic", "Noto Sans Thai", Thonburi, Dokchampa, "Droid Sans Thai", "Droid Sans Fallback", -apple-system, ".SFNSDisplay-Regular", "Heiti SC", "Microsoft Yahei", "Segoe UI"; font-size: 15px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; white-space: pre-wrap;"><span style="background: 0px 0px; border: 0px; box-sizing: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">
And DBS Singapore winner of Bank Partner of the Year at 2nd Asia Trusted Life Agents & Advisers Awards. Impressive start to its partnership with Manulife and what's more.. more innovation with Manulife in the pipeline!
</span></span><a class="feed-link ember-view" href="http://bit.ly/2x8PuP1" id="ember3318" style="background: 0px 0px rgb(255, 255, 255); border: 0px; box-sizing: inherit; color: #0084bf; font-family: "Source Sans Pro", Helvetica, Arial, sans-serif, "Hiragino Kaku Gothic Pro", Meiryo, "Hiragino Sans GB W3", "Noto Naskh Arabic", "Droid Arabic Naskh", "Geeza Pro", "Simplified Arabic", "Noto Sans Thai", Thonburi, Dokchampa, "Droid Sans Thai", "Droid Sans Fallback", -apple-system, ".SFNSDisplay-Regular", "Heiti SC", "Microsoft Yahei", "Segoe UI"; font-size: 15px; font-weight: 700; margin: 0px; padding: 0px; text-decoration-line: none; touch-action: manipulation; vertical-align: baseline; white-space: pre-wrap;" target="_blank">http://bit.ly/2x8PuP1</a><span class="ember-view" id="ember3320" style="background: 0px 0px rgb(255, 255, 255); border: 0px; box-sizing: inherit; color: rgba(0, 0, 0, 0.7); font-family: "Source Sans Pro", Helvetica, Arial, sans-serif, "Hiragino Kaku Gothic Pro", Meiryo, "Hiragino Sans GB W3", "Noto Naskh Arabic", "Droid Arabic Naskh", "Geeza Pro", "Simplified Arabic", "Noto Sans Thai", Thonburi, Dokchampa, "Droid Sans Thai", "Droid Sans Fallback", -apple-system, ".SFNSDisplay-Regular", "Heiti SC", "Microsoft Yahei", "Segoe UI"; font-size: 15px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; white-space: pre-wrap;"><span style="background: 0px 0px; border: 0px; box-sizing: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">
These stories and more in Asia Insurance Review's </span></span><a class="feed-link ember-view" href="http://bit.ly/2iEQ4Pa" id="ember3323" style="background: 0px 0px rgb(255, 255, 255); border: 0px; box-sizing: inherit; color: #0084bf; font-family: "Source Sans Pro", Helvetica, Arial, sans-serif, "Hiragino Kaku Gothic Pro", Meiryo, "Hiragino Sans GB W3", "Noto Naskh Arabic", "Droid Arabic Naskh", "Geeza Pro", "Simplified Arabic", "Noto Sans Thai", Thonburi, Dokchampa, "Droid Sans Thai", "Droid Sans Fallback", -apple-system, ".SFNSDisplay-Regular", "Heiti SC", "Microsoft Yahei", "Segoe UI"; font-size: 15px; font-weight: 700; margin: 0px; padding: 0px; text-decoration-line: none; touch-action: manipulation; vertical-align: baseline; white-space: pre-wrap;" target="_blank">http://bit.ly/2iEQ4Pa</a><span class="ember-view" id="ember3325" style="background: 0px 0px rgb(255, 255, 255); border: 0px; box-sizing: inherit; color: rgba(0, 0, 0, 0.7); font-family: "Source Sans Pro", Helvetica, Arial, sans-serif, "Hiragino Kaku Gothic Pro", Meiryo, "Hiragino Sans GB W3", "Noto Naskh Arabic", "Droid Arabic Naskh", "Geeza Pro", "Simplified Arabic", "Noto Sans Thai", Thonburi, Dokchampa, "Droid Sans Thai", "Droid Sans Fallback", -apple-system, ".SFNSDisplay-Regular", "Heiti SC", "Microsoft Yahei", "Segoe UI"; font-size: 15px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; white-space: pre-wrap;"><span style="background: 0px 0px; border: 0px; box-sizing: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"> </span></span>Benjamin Anghttp://www.blogger.com/profile/08136091800952346973noreply@blogger.com11tag:blogger.com,1999:blog-3277871625454310337.post-61718129423776944952017-08-24T09:00:00.000+08:002017-08-24T09:00:02.015+08:00Insurance Adviser to the rescue<span style="color: rgba(0, 0, 0, 0.7); font-family: "Source Serif Pro", serif; font-size: 21px;">In this week's AgentsWIN, the weekly newsletter produced by </span><a href="http://bit.ly/2fZIRrZ" rel="nofollow noopener" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 0px; color: #827be9; cursor: pointer; font-family: inherit; font-size: 21px; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration-line: none; vertical-align: baseline; word-wrap: break-word;" target="_blank">Asia Insurance Review</a> <span style="color: rgba(0, 0, 0, 0.7); font-family: "Source Serif Pro", serif; font-size: 21px;">to showcase the great work that the unsung heroes of the insurance industry do day in, day out and to help these agents and advisers get even better at what they do (</span><a href="http://bit.ly/2wso8Em" rel="nofollow noopener" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 0px; color: #827be9; cursor: pointer; font-family: inherit; font-size: 21px; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration-line: none; vertical-align: baseline; word-wrap: break-word;" target="_blank">sign up here</a><span style="color: rgba(0, 0, 0, 0.7); font-family: "Source Serif Pro", serif; font-size: 21px;">), read about:</span><br />
<span style="color: rgba(0, 0, 0, 0.7); font-family: "Source Serif Pro", serif; font-size: 21px;"><br /></span>
<b><i><br /></i></b>
<b><i>This was first posted on my LinkedIn: <a href="https://www.linkedin.com/pulse/insurance-adviser-rescue-more-benjamin-ang" target="_blank">https://www.linkedin.com/pulse/insurance-adviser-rescue-more-benjamin-ang </a></i></b><br />
<br />
<h3 style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 0px; color: rgba(0, 0, 0, 0.85); font-family: "Source Sans Pro", Helvetica, Arial, sans-serif; font-size: 21px; font-stretch: inherit; font-variant-numeric: inherit; line-height: 28px; margin: 2.4rem 0px; outline: 0px; padding: 0px; vertical-align: baseline;">
<span class="a11y-offscreen" id="a11y-header8" name="a11y-header8" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 0px; font-family: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span>1: <a href="http://bit.ly/2v0Lws1" rel="nofollow noopener" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 0px; color: #827be9; cursor: pointer; font-family: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: normal; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration-line: none; vertical-align: baseline; word-wrap: break-word;" target="_blank">Asia's Insurance Agent of the Year: Divya Tusnial</a></h3>
<div style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 0px; color: rgba(0, 0, 0, 0.7); font-family: "Source Serif Pro", serif; font-size: 21px; font-stretch: inherit; font-variant-numeric: inherit; line-height: 32px; margin-bottom: 3.2rem; outline: 0px; padding: 0px; vertical-align: baseline;">
(Who has qualified for 2018's TOT in 3 months by the way!)</div>
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<img src="https://media.licdn.com/mpr/mpr/AAEAAQAAAAAAAA29AAAAJDM0NTgwOWQ5LWEzMzMtNDA2NC05Mzc4LTc2MDhhNmRiNjIyMw.jpg" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 0px; font-family: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; height: auto; line-height: inherit; margin: 0px; max-width: 100%; outline: 0px; padding: 0px; vertical-align: baseline; width: 744px;" /></div>
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What pushed <a href="http://bit.ly/2x7CiHU" rel="nofollow noopener" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 0px; color: #827be9; cursor: pointer; font-family: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration-line: none; vertical-align: baseline; word-wrap: break-word;" target="_blank">Divya</a> to join the insurance industry? Why the Awards means so much to her? And what's her activities like to achieve her success?</div>
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<span class="a11y-offscreen" id="a11y-header9" name="a11y-header9" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 0px; font-family: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span>2: <a href="http://bit.ly/2v0cPCO" rel="nofollow noopener" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 0px; color: #827be9; cursor: pointer; font-family: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: normal; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration-line: none; vertical-align: baseline; word-wrap: break-word;" target="_blank">Insurance Adviser to the rescue</a></h3>
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Insurance industry often gets a bad rep because oftentimes when it is being covered on the front pages or when a post goes viral online, it is because of unprofessional practices by insurance companies or agents/advisers.</div>
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The value a professional insurance adviser brings often goes unnoticed. We believe that should change!</div>
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<img src="https://media.licdn.com/mpr/mpr/AAEAAQAAAAAAAAv8AAAAJGQ3ZGQwOTQ3LTc1NDktNDY1MC1iZmU3LTg2ZDk1ZDg0YmY0Ng.jpg" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 0px; font-family: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; height: auto; line-height: inherit; margin: 0px; max-width: 100%; outline: 0px; padding: 0px; vertical-align: baseline; width: 744px;" /></div>
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Hence, more people should read about and share how a <a href="http://bit.ly/2wnI6Qe" rel="nofollow noopener" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 0px; color: #827be9; cursor: pointer; font-family: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration-line: none; vertical-align: baseline; word-wrap: break-word;" target="_blank">financial consultant</a> went out of her way (and how the insurance company delivered) to help a policyholder who had no idea that she was covered for and could claim for a critical illness benefit. This even though the financial consultant wasn't the original adviser and had no financial benefits whatsoever in doing so.</div>
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<span class="a11y-offscreen" id="a11y-header10" name="a11y-header10" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 0px; font-family: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span>3. <a href="http://bit.ly/2wyzYfi" rel="nofollow noopener" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 0px; color: #827be9; cursor: pointer; font-family: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: normal; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration-line: none; vertical-align: baseline; word-wrap: break-word;" target="_blank">Useful tips & tricks on LinkedIn - increase profile views by up to 14X</a></h3>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhMNEEdAJ95qN2GNpM8792rRrP1ulkPYYiQGHtkG9M7gQN-Yr9taZpncKwZnQY4h_hyJEsniTCVFsEgL8jou2RLSigzamKAS4BAhTOA3OuTSJu588c_Y6oMtJfieDvq6E7cuUchA1RJt63r/s1600/20170815_192431.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1215" data-original-width="911" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhMNEEdAJ95qN2GNpM8792rRrP1ulkPYYiQGHtkG9M7gQN-Yr9taZpncKwZnQY4h_hyJEsniTCVFsEgL8jou2RLSigzamKAS4BAhTOA3OuTSJu588c_Y6oMtJfieDvq6E7cuUchA1RJt63r/s320/20170815_192431.jpg" width="239" /></a></div>
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<a name='more'></a>Some simple useful tips for all of us by Mac Witmer, Relationship Manager of Key Accounts at LinkedIn - the professional network with half a billion members in 200 countries - to increase profile views by up to 14 times.<br />
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Find out how many potential relationships come with each connection!</div>
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<span class="a11y-offscreen" id="a11y-header11" name="a11y-header11" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 0px; font-family: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span>4. <a href="http://bit.ly/2vYriN2" rel="nofollow noopener" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 0px; color: #827be9; cursor: pointer; font-family: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: normal; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration-line: none; vertical-align: baseline; word-wrap: break-word;" target="_blank">Agents will continue to lead even in digital age - industry leaders</a></h3>
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While there's much talk about the relevance of insurance advisers in the digital world, senior industry leaders at a Life Regional Roundtable in Hong Kong organised by Asia Insurance Review say that agents will continue to be the main driving force behind insurance sales, even in this digital age.</div>
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Nowhere is the importance of the human touch more evident than the continued effectiveness of life insurance agents in Asia, even with all the technological disruptions that have allowed insurers to connect directly to the customer.</div>
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<span class="a11y-offscreen" id="a11y-header12" name="a11y-header12" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 0px; font-family: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span>5. <a href="http://bit.ly/2vjWkwH" rel="nofollow noopener" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 0px; color: #827be9; cursor: pointer; font-family: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: normal; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration-line: none; vertical-align: baseline; word-wrap: break-word;" target="_blank">Even digital customers want human touch</a></h3>
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And further evidence that face-to-face is not disappearing anytime soon even with all the tech and gadgets available to us, Accenture Strategy's Digital Disconnect in Customer Engagement report says that even for customers (especially millennials) who are typically more prone to use digital channels, there are many situations in which customers prefer to engage with people.</div>
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Read more about it and find the link to download the report in the story.</div>
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<em style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 0px; font-family: Georgia, "Source Serif Pro", serif; font-size: 0.975em; font-stretch: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Found it useful? Like it, share it, connect.</em></div>
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<em style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 0px; font-family: Georgia, "Source Serif Pro", serif; font-size: 0.975em; font-stretch: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Twitter: </em><a href="http://goo.gl/aRoPXx" rel="nofollow noopener" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 0px; color: #827be9; cursor: pointer; font-family: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration-line: none; vertical-align: baseline; word-wrap: break-word;" target="_blank"><em style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 0px; font-family: Georgia, "Source Serif Pro", serif; font-size: 0.975em; font-stretch: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">@AIReDaily</em></a></div>
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<em style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 0px; font-family: Georgia, "Source Serif Pro", serif; font-size: 0.975em; font-stretch: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">LinkedIn: </em><a href="http://goo.gl/walNJz" rel="nofollow noopener" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 0px; color: #827be9; cursor: pointer; font-family: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration-line: none; vertical-align: baseline; word-wrap: break-word;" target="_blank"><em style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 0px; font-family: Georgia, "Source Serif Pro", serif; font-size: 0.975em; font-stretch: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Asia Insurance Review</em></a></div>
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If <em style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 0px; font-family: Georgia, "Source Serif Pro", serif; font-size: 0.975em; font-stretch: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">we are not already connected on Twitter: </em><a href="http://goo.gl/M9FRmk" rel="nofollow noopener" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 0px; color: #827be9; cursor: pointer; font-family: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration-line: none; vertical-align: baseline; word-wrap: break-word;" target="_blank"><em style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 0px; font-family: Georgia, "Source Serif Pro", serif; font-size: 0.975em; font-stretch: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">@BenAngYH</em></a></div>
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<em style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 0px; font-family: Georgia, "Source Serif Pro", serif; font-size: 0.975em; font-stretch: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">And if you are on Instagram, join me on my journey: </em><a href="http://goo.gl/vcXkiF" rel="nofollow noopener" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 0px; color: #827be9; cursor: pointer; font-family: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration-line: none; vertical-align: baseline; word-wrap: break-word;" target="_blank"><em style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 0px; font-family: Georgia, "Source Serif Pro", serif; font-size: 0.975em; font-stretch: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">@BenAngYH</em></a></div>
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If you have any suggestions, comments or feedback, please get in touch!</div>
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Feels good to be home</blockquote>
Benjamin Anghttp://www.blogger.com/profile/08136091800952346973noreply@blogger.com18tag:blogger.com,1999:blog-3277871625454310337.post-50169835717642771522015-09-23T13:00:00.000+08:002015-09-23T13:00:04.052+08:00Avoiding investment scams in Singapore<span style="font-family: Verdana, sans-serif;">The <b>Monetary Authority of Singapore</b> is enhancing regulatory safeguards for investors.</span><br />
<span style="font-family: Verdana, sans-serif;">My personal translation: <b>Helping Singaporeans avoid investment scams in Singapore. </b></span><br />
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<span style="font-family: Verdana, sans-serif;">You can find here a short <a href="http://www.mywealthmodel.com/p/caution.html" target="_blank">list of scams and/or caution to take in Singapore</a>.</span><br />
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<span style="font-family: Verdana, sans-serif;">So in a press release MAS says the key changes are:</span><br />
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<li style="background-attachment: initial; background-clip: initial; background-color: initial; background-image: url(http://www.mas.gov.sg/assets/images/bg_bullet.gif); background-origin: initial; background-position: 0% 5px; background-repeat: no-repeat; background-size: initial; border-image-outset: initial; border-image-repeat: initial; border-image-slice: initial; border-image-source: initial; border-image-width: initial; border: 0px; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px 0px 1.4em; padding: 0px 0px 0px 17px; vertical-align: baseline;"><span style="font-family: Verdana, sans-serif;"><span style="font-weight: inherit;">Retail investors in </span><b>non-conventional investment products</b><span style="font-weight: inherit;"> will be accorded the same regulatory safeguards as investors in capital markets products.</span></span></li>
<li style="background-attachment: initial; background-clip: initial; background-color: initial; background-image: url(http://www.mas.gov.sg/assets/images/bg_bullet.gif); background-origin: initial; background-position: 0% 5px; background-repeat: no-repeat; background-size: initial; border-image-outset: initial; border-image-repeat: initial; border-image-slice: initial; border-image-source: initial; border-image-width: initial; border: 0px; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px 0px 1.4em; padding: 0px 0px 0px 17px; vertical-align: baseline;"><span style="font-family: Verdana, sans-serif;">Investors who meet prescribed wealth or income thresholds to qualify as accredited investors (AIs)<sup>2</sup> will have the option to benefit from the full range of regulatory safeguards that are applicable for retail investors. </span></li>
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<span style="font-family: Verdana, sans-serif;">For the full press release:</span><br />
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<span style="font-family: Verdana, sans-serif; font-size: small;">MAS Enhances Regulatory Safeguards for Investors</span></h1>
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<span style="font-family: Verdana, sans-serif;">Singapore, 22 September 2015… The Monetary Authority of Singapore (MAS) will proceed with enhancements to its regulatory framework for safeguarding investors’ interests, taking into account feedback received on its consultation paper published on 21 July 2014<sup>1</sup>. The key changes are as follows:</span></div>
<ul style="background-color: white; border: 0px; color: #333333; font-stretch: inherit; line-height: 1.9em; list-style: none; margin: 0px 0px 20px 40px; padding: 0px; vertical-align: baseline;">
<li style="background: url(http://www.mas.gov.sg/assets/images/bg_bullet.gif) 0% 5px no-repeat; border: 0px; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px 0px 1.4em; padding: 0px 0px 0px 17px; vertical-align: baseline;"><span style="font-family: Verdana, sans-serif;">Retail investors in non-conventional investment products will be accorded the same regulatory safeguards as investors in capital markets products.</span></li>
<li style="background: url(http://www.mas.gov.sg/assets/images/bg_bullet.gif) 0% 5px no-repeat; border: 0px; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px 0px 1.4em; padding: 0px 0px 0px 17px; vertical-align: baseline;"><span style="font-family: Verdana, sans-serif;">Investors who meet prescribed wealth or income thresholds to qualify as accredited investors (AIs)<sup>2</sup> will have the option to benefit from the full range of regulatory safeguards that are applicable for retail investors. </span></li>
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<span style="font-family: Verdana, sans-serif;">2 Amendments to the Securities and Futures Act (“SFA”) to implement these changes will be tabled in Parliament in 2016.</span></div>
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<span style="border: 0px; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; text-decoration: underline; vertical-align: baseline;"><span style="font-family: Verdana, sans-serif;">Stronger safeguards for investors in non-conventional investment products</span></span></div>
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<span style="font-family: Verdana, sans-serif;">3 MAS will extend its capital markets regulatory framework to non-conventional investment products that share features similar to capital markets products. These are currently not subject to MAS’ regulations. In future, such non-conventional investment products will be regulated either as debentures or investment funds, depending on their features:</span></div>
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<span style="font-family: Verdana, sans-serif;">I. <span style="border: 0px; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: 700; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Precious metals buy-back arrangements</span> which involve the sale of precious metals with guaranteed buy-back at an agreed price. Such arrangements are equivalent to collateralised borrowing and will be regulated as debentures under the Securities and Futures Act (“SFA”). The scope will be limited to arrangements involving gold, silver and platinum, as these are widely regarded as financial assets and are commonly used as collateral for such arrangements.</span></div>
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<span style="font-family: Verdana, sans-serif;">II. <span style="border: 0px; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: 700; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Collectively-managed investment schemes</span> which are in substance similar to traditional regulated investment funds but do not pool investors’ contributions. Such schemes will be regulated as Collective Investment Schemes under the SFA. Schemes intended for retail investors will require authorisation from MAS and be restricted to investments in securities or other assets that are liquid (e.g. precious metals), or have stable income-generating ability (e.g. completed real estate).</span></div>
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<span style="font-family: Verdana, sans-serif;">4 Arrangements that exist before the legislative changes will not be affected, unless additional funds are raised from retail investors after the new laws are in place.</span></div>
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<span style="font-family: Verdana, sans-serif;">5 In considering any investment schemes, investors are encouraged to check the MAS website for the list of MAS-registered prospectuses, MAS-authorised retail investment funds<sup>3</sup> and MAS-regulated financial institutions<sup>4</sup>. Investors can also find more information on assessing investment opportunities, and conducting checks on entities which they intend to deal with, through the consumer alerts published by MoneySENSE<sup>5</sup>, the national financial education programme.</span></div>
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<span style="border: 0px; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; text-decoration: underline; vertical-align: baseline;"><span style="font-family: Verdana, sans-serif;">Option for AIs to benefit from full range of safeguards applicable to retail investors</span></span></div>
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<span style="font-family: Verdana, sans-serif;">6 Under the current regulatory regime, investors who meet prescribed wealth or income thresholds are classified as AIs by default. They are accorded a lower level of regulatory protection as they are considered to be better able to protect their own interests. This may not be true for all investors who meet the prescribed wealth or income thresholds.</span></div>
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<span style="font-family: Verdana, sans-serif;">7 MAS will refine the regulatory regime to empower AI-eligible investors to choose the level of regulatory safeguards best suited to their individual circumstances:</span></div>
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<li style="background: url(http://www.mas.gov.sg/assets/images/bg_bullet.gif) 0% 5px no-repeat; border: 0px; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px 0px 1.4em; padding: 0px 0px 0px 17px; vertical-align: baseline;"><span style="font-family: Verdana, sans-serif;">Financial institutions (FIs) will have to treat new customers who are AI-eligible as retail investors by default, unless the customers choose to “opt-in” to AI status.</span></li>
<li style="background: url(http://www.mas.gov.sg/assets/images/bg_bullet.gif) 0% 5px no-repeat; border: 0px; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px 0px 1.4em; padding: 0px 0px 0px 17px; vertical-align: baseline;"><span style="font-family: Verdana, sans-serif;">FIs can continue to treat existing customers who are AI-eligible as AIs, unless the customers choose to “opt-out” of AI status to benefit from the full range of capital markets regulatory safeguards available to retail investors. </span></li>
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<span style="font-family: Verdana, sans-serif;">AI-eligible customers who choose to “opt-in” to, or retain their, AI-status may be those that are willing to forgo the benefits of stronger regulatory safeguards available to retail investors, in return for the ability to more easily access a wider range of complex and risky products.</span></div>
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<span style="font-family: Verdana, sans-serif;">8 Mr Lee Boon Ngiap, Assistant Managing Director, Capital Markets, MAS, said, “The measures will strengthen regulatory safeguards for retail investors. Regulatory safeguards, however, are not a substitute for investor responsibility. All investments carry risk, so investors should buy only products that they understand and have a level of risk that they are comfortable with. In addition to seeking advice from regulated financial advisers, we encourage investors to visit the MoneySENSE website, which has a wealth of financial educational information to help investors manage their money and better understand financial products.”</span></div>
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<span style="font-family: Verdana, sans-serif;">9 Details of MAS’ response to feedback received on the above proposals can be found <a href="http://www.mas.gov.sg/News-and-Publications/Consultation-Paper/2014/Consultation-on-Proposals-to-Enhance-Regulatory-Safeguards-for-Investors-in-the-Capital-Markets.aspx" style="border: 0px; color: #8c6111; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">here</a>. MAS is still reviewing feedback on the remaining proposal to introduce a complexity-risk ratings framework for investment products and will issue a separate public response later.</span></div>
<span style="font-family: Verdana, sans-serif;"><span class="footnote" style="background-color: white; border: 0px; color: #333333; font-stretch: inherit; font-style: italic; line-height: 1.2em; margin: 0px 0px 15px; padding: 0px; vertical-align: baseline;"><sup>1</sup> The July 2014 consultation paper is available at: </span><span class="footnote" style="background-color: white; border: 0px; color: #333333; font-stretch: inherit; font-style: italic; line-height: 1.2em; margin: 0px 0px 15px; padding: 0px; vertical-align: baseline;"><a href="http://www.mas.gov.sg/News-and-Publications/Consultation-Paper/2014/Consultation-on-Proposals-to-Enhance-Regulatory-Safeguards-for-Investors-in-the-Capital-Markets.aspx" style="border: 0px; color: #29409d; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">http://www.mas.gov.sg/News-and-Publications/Consultation-Paper/2014/Consultation-on-Proposals-to-Enhance-Regulatory-Safeguards-for-Investors-in-the-Capital-Markets.aspx</a></span><span class="footnote" style="background-color: white; border: 0px; color: #333333; font-stretch: inherit; font-style: italic; line-height: 1.2em; margin: 0px 0px 15px; padding: 0px; vertical-align: baseline;">.<br /><sup>2</sup> Under the SFA, “accredited investors” include (i) individuals whose net personal assets exceed S$2 million or whose income in the preceding 12 months is not less than S$300,000, and (ii) corporations with net assets which exceed $10 million.<br /><sup>3</sup> Offers and Prospectuses Electronic Repository and Access (OPERA) portal (</span><span class="footnote" style="background-color: white; border: 0px; color: #333333; font-stretch: inherit; font-style: italic; line-height: 1.2em; margin: 0px 0px 15px; padding: 0px; vertical-align: baseline;"><a href="https://opera.mas.gov.sg/ExtPortal/" style="border: 0px; color: #29409d; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;" title="Opens in a new window">https://opera.mas.gov.sg/ExtPortal/</a></span><span class="footnote" style="background-color: white; border: 0px; color: #333333; font-stretch: inherit; font-style: italic; line-height: 1.2em; margin: 0px 0px 15px; padding: 0px; vertical-align: baseline;">)<br /><sup>4</sup> MAS’ Financial Institutions Directory (</span><span class="footnote" style="background-color: white; border: 0px; color: #333333; font-stretch: inherit; font-style: italic; line-height: 1.2em; margin: 0px 0px 15px; padding: 0px; vertical-align: baseline;"><a href="https://masnetsvc.mas.gov.sg/FID.html" style="border: 0px; color: #29409d; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;" title="Opens in a new window">https://masnetsvc.mas.gov.sg/FID.html</a></span><span class="footnote" style="background-color: white; border: 0px; color: #333333; font-stretch: inherit; font-style: italic; line-height: 1.2em; margin: 0px 0px 15px; padding: 0px; vertical-align: baseline;">).<br /><sup>5</sup> MoneySENSE website (</span><span class="footnote" style="background-color: white; border: 0px; color: #333333; font-stretch: inherit; font-style: italic; line-height: 1.2em; margin: 0px 0px 15px; padding: 0px; vertical-align: baseline;"><a href="http://www.moneysense.gov.sg/" style="border: 0px; color: #29409d; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;" title="Opens in a new window">www.moneysense.gov.sg</a></span><span class="footnote" style="background-color: white; border: 0px; color: #333333; font-stretch: inherit; font-style: italic; line-height: 1.2em; margin: 0px 0px 15px; padding: 0px; vertical-align: baseline;">)</span></span>Benjamin Anghttp://www.blogger.com/profile/08136091800952346973noreply@blogger.com23tag:blogger.com,1999:blog-3277871625454310337.post-20329568869165548242015-08-30T11:43:00.000+08:002015-08-30T11:43:06.804+08:00Tips from The Intelligent Investor<span style="font-family: Verdana, sans-serif;">Re-reading <b>The Intelligent Investor </b>by Benjamin Graham.</span><br />
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<span style="font-family: Verdana, sans-serif;">His most famous protege is of course, one Warren Buffett. </span><br />
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<span style="font-family: Verdana, sans-serif;">Thought it will be apt as the market undergoes volatility to pick the brains of one of the best investors minds.</span><br />
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<span style="font-family: Verdana, sans-serif;">Here's one from the book:</span><br />
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<span style="font-family: Verdana, sans-serif;"><i><span style="background-color: white; color: #333333; line-height: 18.0960006713867px;">"The intelligent investor realizes that stocks become more risky, not less, as their prices rise—and less risky, not more, as their prices fall. The intelligent investor dreads a bull market, since it makes stocks more costly to buy. And conversely (so long as you keep enough cash on hand to meet your spending needs), you should welcome a bear market, since it puts stocks back on sale."</span></i></span><br />
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<span style="font-family: Verdana, sans-serif;">Follow with care. </span><br />
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<br />Benjamin Anghttp://www.blogger.com/profile/08136091800952346973noreply@blogger.com6tag:blogger.com,1999:blog-3277871625454310337.post-32868375045457963562015-07-31T20:46:00.000+08:002015-07-31T20:46:00.115+08:00Singapore Salary Guide - How much should I be earning? - Accountant<span style="font-family: Verdana, sans-serif;">Very often we wonder whether we are paid fairly in our careers and jobs. </span><br />
<span style="font-family: Verdana, sans-serif;">So if you are wondering whether what you are earning is higher or lower compared to your peers, benchmarks and salary guides are always useful.</span><br />
<span style="font-family: Verdana, sans-serif;"><br /></span>
<span style="font-family: Verdana, sans-serif;">If you are in <b>accounting</b>:</span><br />
<span style="font-family: Verdana, sans-serif;"><br /></span>
<span style="font-family: Verdana, sans-serif;">Analyst - Accounts Payable and Receivable (3-6 years of experience): </span><br />
<span style="font-family: Verdana, sans-serif;">S$40,000 - 70,000 per year</span><br />
<span style="font-family: Verdana, sans-serif;"><br /></span>
<span style="font-family: Verdana, sans-serif;">Cost Accountant (</span><span style="font-family: Verdana, sans-serif;">3-6 years of experience):</span><br />
<span style="font-family: Verdana, sans-serif;">S$50,000 - $80,000 per year</span><br />
<span style="font-family: Verdana, sans-serif;"><br /></span>
<span style="font-family: Verdana, sans-serif;">Cost Analyst (</span><span style="font-family: Verdana, sans-serif;">3-6 years of experience):</span><br />
<span style="font-family: Verdana, sans-serif;">S$50,000 - $80,000 per year</span><br />
<span style="font-family: Verdana, sans-serif;"><b><br /></b></span>
<span style="font-family: Verdana, sans-serif;"><b><br /></b></span>
<span style="font-family: Verdana, sans-serif;">Source: Hudson Salary Guides 2015</span><br />
<span style="font-family: Verdana, sans-serif;"><b><br /></b></span>Benjamin Anghttp://www.blogger.com/profile/08136091800952346973noreply@blogger.com9tag:blogger.com,1999:blog-3277871625454310337.post-35320962833112435122015-05-11T22:21:00.000+08:002015-05-11T22:21:01.404+08:00How to apply for Singapore Savings Bonds?<h1 style="background-color: white; border: 0px; clear: both; color: #8c6111; font-stretch: inherit; line-height: 1.2em; margin: 0px 0px 10px; padding: 0px; vertical-align: baseline;">
<span style="font-family: Verdana, sans-serif; font-size: small;">More information on applying for Singapore Savings Bonds is out. The Monetary Authority of Singapore has released the below information:</span></h1>
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<span style="font-family: Verdana, sans-serif; font-size: small;">Applying for Singapore Savings Bonds</span></h1>
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<span style="font-family: Verdana, sans-serif;">Singapore, 11 May 2015…The Monetary Authority of Singapore (MAS) today released more information on how investors can buy and redeem Singapore Savings Bonds. MAS expects the first Savings Bond to be issued in the second half of 2015. MAS will announce the programme launch date at least one month before applications for the first issuance open.</span></div>
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<span style="font-family: Verdana, sans-serif;">2 Savings Bonds are a new type of Singapore Government Securities (SGS) designed to offer individuals a long-term, flexible savings option with safe returns. They will provide individuals with more options to save and invest to meet their long-term financial needs.</span></div>
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<span style="border: 0px; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; text-decoration: underline; vertical-align: baseline;"><span style="font-family: Verdana, sans-serif;">Getting started</span></span></div>
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<span style="font-family: Verdana, sans-serif;">3 To apply for Savings Bonds, individuals will need:</span></div>
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<span style="font-family: Verdana, sans-serif;">a. A bank account with one of the participating banks (currently DBS/POSB, OCBC or UOB<sup>1</sup>); and</span></div>
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<span style="font-family: Verdana, sans-serif;">b. An individual Central Depository (CDP) Securities account with direct crediting service (DCS). DCS allows Savings Bond payments to be made directly to the individual’s DCS-linked bank account. Individuals need to be at least 18 years old to open an individual CDP Securities account. To find out how to open a CDP Securities account or activate DCS for an existing CDP Securities account, please refer to <a href="http://www.sgx.com/cdp/faq" style="border: 0px; color: #8c6111; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;" title="Opens in a new window">www.sgx.com/cdp/faq</a>.</span></div>
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<span style="font-family: Verdana, sans-serif;">4 Individuals who wish to invest in Savings Bonds should ensure that they have the necessary bank and CDP accounts over the next few months before the Savings Bonds are launched.</span></div>
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<span style="font-family: Verdana, sans-serif;">5 A new Savings Bond will be issued monthly. Applications for each Savings Bond issue will open on the first business day of each month and close four business days before the end of the month. Requests to redeem existing bonds can be made during the same period.</span></div>
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<span style="font-family: Verdana, sans-serif;">6 All application and redemption requests will be processed three business days before month’s end. Savings Bonds will be issued on the first business day of the next month and redemption proceeds will be processed by the second business day.</span></div>
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<span style="border: 0px; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; text-decoration: underline; vertical-align: baseline;"><span style="font-family: Verdana, sans-serif;">Applying for and redeeming Savings Bonds</span></span></div>
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<span style="font-family: Verdana, sans-serif;">7 Individuals will be able to apply for and redeem Savings Bonds through DBS/POSB, OCBC or UOB ATMs; or via DBS/POSB internet banking channels. Bank charges may apply. Applications and redemption requests must be made in multiples of $500, and Savings Bonds will only be available for purchase using cash.</span></div>
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<span style="font-family: Verdana, sans-serif;">8 Individuals will be able to apply for each Savings Bond issue with as little as $500, and up to $50,000. In addition, individuals will be able to hold up to $100,000 of Savings Bonds at any point in time. This will meet the needs of the vast majority as more than 90% of individual bank deposit accounts have balances of $100,000 or lower.</span></div>
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<span style="border: 0px; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; text-decoration: underline; vertical-align: baseline;"><span style="font-family: Verdana, sans-serif;">Allocation of Savings Bond</span></span></div>
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<span style="font-family: Verdana, sans-serif;">9 MAS will announce the issuance size for each Savings Bond issue before application opens. Should the total demand for Savings Bonds exceed the amount on offer in a particular month, MAS will allocate the bonds so as to maximise the number of successful applicants. (Please refer to this <a href="http://www.mas.gov.sg/~/media/resource/news_room/press_releases/2015/20150511%20Application%20factsheet%20for%20Savings%20Bonds%20Final.pdf" style="border: 0px; color: #8c6111; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Application Factsheet </a>for more information on the allotment process.) Individuals who do not receive their full allotment may wish to apply for the next issue.</span></div>
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<span style="border: 0px; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; text-decoration: underline; vertical-align: baseline;"><span style="font-family: Verdana, sans-serif;">Learning more about Savings Bonds</span></span></div>
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<span style="font-family: Verdana, sans-serif;">10 Investors should consider all the features of Savings Bonds before making their applications. To help investors understand the features of the Savings Bonds, MAS will set up a dedicated Savings Bonds website and a public hotline for enquiries ahead of the launch of the programme. In the meantime, individuals may refer to this set of <a href="http://www.mas.gov.sg/~/media/resource/news_room/press_releases/2015/20150511%20FAQs%20on%20Singapore%20Savings%20Bonds%20Final.pdf" style="border: 0px; color: #8c6111; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">frequently asked questions (FAQs)</a> on Savings Bonds.</span></div>
<span class="footnote" style="background-color: white; border: 0px; color: #333333; font-stretch: inherit; font-style: italic; line-height: 1.2em; margin: 0px 0px 15px; padding: 0px; vertical-align: baseline;"><span style="font-family: Verdana, sans-serif;"><sup>1</sup> More banks may participate in the Savings Bond programme later.</span></span></div>
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<span class="footnote" style="background-color: white; border: 0px; font-stretch: inherit; line-height: 19.2000007629395px; margin: 0px 0px 15px; padding: 0px; vertical-align: baseline;"><span style="color: #333333; font-family: Verdana, sans-serif;"><i><a href="http://www.mas.gov.sg/News-and-Publications/Media-Releases/2015/Applying-for-Singapore-Savings-Bonds.aspx">http://www.mas.gov.sg/News-and-Publications/Media-Releases/2015/Applying-for-Singapore-Savings-Bonds.aspx</a></i></span></span></div>
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<span class="footnote" style="background-color: white; border: 0px; font-stretch: inherit; line-height: 19.2000007629395px; margin: 0px 0px 15px; padding: 0px; vertical-align: baseline;"><span style="color: #333333; font-family: Verdana, sans-serif;"><i><br /></i></span></span></div>
Benjamin Anghttp://www.blogger.com/profile/08136091800952346973noreply@blogger.com7tag:blogger.com,1999:blog-3277871625454310337.post-67241621958331263952015-02-08T17:31:00.000+08:002015-02-08T17:31:00.281+08:00How much does a fresh law graduate earn in Singapore?<span style="font-family: Verdana, sans-serif;">So how much does a new lawyer earn in Singapore?</span><br />
<span style="font-family: Verdana, sans-serif;">And the difference in pay or salary between graduating from the law schools of NUS and SMU?</span><br />
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<span style="font-family: Verdana, sans-serif;">According to MOE's employment survey results released in 2014:</span><br />
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<span style="font-family: Verdana, sans-serif;"><b><u>National University of Singapore (NUS) Faculty of Law</u></b></span><br />
<span style="font-family: Verdana, sans-serif;"><b>Bachelor of Laws (LLB) (Hons)</b></span><br />
<span style="font-family: Verdana, sans-serif;">Full-term perm employment: 98.2%</span><br />
<span style="font-family: Verdana, sans-serif;">Basic Mean: $4,922</span><br />
<span style="font-family: Verdana, sans-serif;">Gross Mean: $5,099</span><br />
<span style="font-family: Verdana, sans-serif;">25th percentile: $4,500</span><br />
<span style="font-family: Verdana, sans-serif;">75th percentile: $5,800</span><br />
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<span style="font-family: Verdana, sans-serif;"><b><u>Singapore Management University (SMU) School of Law</u></b></span><br />
<span style="font-family: Verdana, sans-serif;"><b>Law (4-year programme)</b></span><br />
<span style="font-family: Verdana, sans-serif;">Full-term perm employment: 100%</span><br />
<span style="font-family: Verdana, sans-serif;">Basic Mean: $5,023</span><br />
<span style="font-family: Verdana, sans-serif;">Gross Mean: $5,246</span><br />
<span style="font-family: Verdana, sans-serif;">25th percentile: $4,500</span><br />
<span style="font-family: Verdana, sans-serif;">75th percentile: $6,000</span><br />
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<span style="font-family: Verdana, sans-serif;"><b>Cum Laude and above</b></span><br />
<span style="font-family: Verdana, sans-serif;">Full-term perm employment: 100%</span><br />
<span style="font-family: Verdana, sans-serif;">Basic Mean: $5,329</span><br />
<span style="font-family: Verdana, sans-serif;">Gross Mean: $5,617</span><br />
<span style="font-family: Verdana, sans-serif;">25th percentile: $4,750</span><br />
<span style="font-family: Verdana, sans-serif;">75th percentile: $6,400</span><br />
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<span style="font-family: Verdana, sans-serif;"><i>Data on law graduates are obtained from a follow-up survey on 2012 graduates after
they have completed their 1-year practical law course/pupillage. </i></span></div>
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<span style="font-family: Verdana, sans-serif;"><i>The Ministry of Education
(MOE) publishes the results of key employment indicators of the survey to
provide prospective students with timely and comparable data to assist them in
making informed course decisions. 15,365 graduates from the three
publicly-funded universities were surveyed and the overall response rate
obtained was 72%. MOE has taken all reasonable steps to ensure the accuracy of
the data but is not liable for any inaccuracies. Students should make use of
the data below at their own discretion.</i></span></div>
Benjamin Anghttp://www.blogger.com/profile/08136091800952346973noreply@blogger.com2tag:blogger.com,1999:blog-3277871625454310337.post-83261468375291338462015-02-03T19:30:00.000+08:002015-02-03T19:30:02.557+08:00Asian Retail Investor Sentiment Rocked by Central Bank Policy, Oil Prices – Manulife<ul style="background-color: white;" type="disc">
<li class="MsoNormal" style="margin: 0px 0px 0px 15px; text-align: center;"><span style="font-family: Verdana, sans-serif;"><b><span lang="EN-US">Loose monetary policy drives sentiment higher in Japan, China; Indonesia and Malaysia see biggest drops</span></b><u></u><u></u></span></li>
<li class="MsoNormal" style="margin: 0px 0px 0px 15px; text-align: center;"><span style="font-family: Verdana, sans-serif;"><b><span lang="EN-US">Asian investors expect a 10 percent investment return in 2015, but retreat to cash makes that optimistic</span></b> <u></u><u></u></span></li>
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<span style="font-family: Verdana, sans-serif;">A crosscurrent of macro-economic developments, ranging from monetary easing and stimulus in Mainland China and Japan, to the collapse in oil prices, heavily influenced retail investor sentiment in the fourth quarter of 2014, according to the Manulife Investor Sentiment Index.*</span></div>
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<span style="font-family: Verdana, sans-serif;">Investor sentiment across Asia, US, Canada <u></u><u></u></span></div>
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<span style="font-family: Verdana, sans-serif;">Overall, regional sentiment was down 2 points to 26, dragged lower by Indonesia where sentiment dropped 14 points to 50, Malaysia which fell 8 points to 47, and Hong Kong which declined 5 points to -10.<u></u><u></u></span></div>
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<span style="font-family: Verdana, sans-serif;">"Retail investor sentiment is readily affected by factors that hurt their hip pocket and that impacts the employment and economic outlook. Investors in Indonesia were spooked by the lifting of the fuel price subsidy and associated inflation pressures, and Malaysia, being a net oil exporter, was hit by the collapse in oil prices. We expect oil to sink below US$40 a barrel and to stay low for about six months and this will continue to be a headwind for Malaysia's economy," says Megan Greene, Chief Economist, Manulife Asset Management.<u></u><u></u></span></div>
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<span style="font-family: Verdana, sans-serif;">Hong Kong sank further on investors' gloomy opinion of the real estate market -- with investment property falling a further 9 points to -36 -- due to high property prices and the prospect of interest rate increases given the US dollar peg. Less of a factor was Occupy Central, which only two in five Hong Kong investors said influenced their investment decisions.<u></u><u></u></span></div>
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<span style="font-family: Verdana, sans-serif;">The index declines were offset by a jump in Mainland China, where jubilant investors pushed the local index up 14 points to 29. The surge was driven by confidence in equity markets, with sentiment climbing 29 points to 58; reflecting retail investors' confidence due to lower interest rates, the strong lending environment and further liberalization of capital markets.<u></u><u></u></span></div>
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<span style="font-family: Verdana, sans-serif;">Japan was another riser, with sentiment up 4 points to 12, driven by the government's stimulus spending and Prime Minister Abe's December election victory which renewed his mandate for structural reform.<u></u><u></u></span></div>
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<span style="font-family: Verdana, sans-serif;">"An oversupply of everything from oil to liquidity drove markets and investor sentiment in late 2014," says Greene. "In 2015, big macro-economic events will continue to loom large in markets. China will continue to benefit from targeted monetary and fiscal stimulus, but will see its growth decelerate moderately to around 7 percent in 2015. When it comes to Japan we see very sluggish growth. The weaker yen has failed to boost exports due to competitiveness problems, so the outlook really hinges on deep structural reform."<u></u><u></u></span></div>
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<span style="font-family: Verdana, sans-serif;"><b>Investors' hopes of hitting 10 percent returns optimistic given their fondness for cash</b><u></u><u></u></span></div>
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<span style="font-family: Verdana, sans-serif;">Retail investors across <span lang="EN-CA">Asia are expecting on average, to achieve returns of 10 percent in 2015. At the low end of the range is Japan with hopes of 7.4 percent, while Indonesia sits at the top at 14.5 percent. Investors in Mainland China sit near the middle, expecting 11.4 percent, a mere fraction of the year-end 37 percent </span>spike in the Shanghai Composite Index.<u></u><u></u></span></div>
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<span style="font-family: Verdana, sans-serif;">When asked which asset class investors expected to be a top performer in 2015, equities ranked on top (23 percent of investors). Property followed (20 percent of investors), but was especially backed in markets like Indonesia and the Philippines where equities are not a common investment. Region-wide, cash was placed equal second (also 20 percent of investors).<u></u><u></u></span></div>
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<span style="font-family: Verdana, sans-serif;">Closer inspection of what Asian investors intend to invest in over the next six months, however, raises questions over their ability to meet their performance targets, as cash remains the most-favored asset class and the top destination for increased allocation. This is despite the fact that Asians are already overweight cash, at 37 percent of their portfolios (excluding primary residence) by usual asset allocation standards.<u></u><u></u></span></div>
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<span style="font-family: Verdana, sans-serif;">Commenting on investors' optimistic expectations amid the prevailing market volatility, Peter Warnes, Head of Portfolio Solutions Group, International at Manulife Asset Management said, "Many individuals are finding it difficult to plan for the long term in the prevailing market context, but we feel that retreating to cash is not the solution, especially when the low interest environment means that cash won't yield returns."</span></div>
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<span style="font-family: Verdana, sans-serif;">Expected top performing asset classes and investment intentions in next 6 months<u></u><u></u></span></div>
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<span style="font-family: Verdana, sans-serif;">The exceptions to the prevailing preference for cash are China, Hong Kong and Japan where investors held neutral to negative views on cash in the fourth quarter. A smaller percentage of investors in these markets also say they will 'invest' more in cash in the next six months: Hong Kong (27 percent), China (17 percent) and Japan (12 percent). By contrast, investors in these markets are most bullish on equities, with sentiment towards stocks in China at 58 points, Japan at 37 points and Hong Kong at 11.<u></u><u></u></span></div>
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<span style="font-family: Verdana, sans-serif;">"A multi-asset investment solution can provide investors with a degree of insulation from unexpected market events, while also potentially generating returns in excess of cash or even delivering a recurring income stream," continued Mr. Warnes. "A multi-asset portfolio comprises a mix of equities and bonds and a diversified exposure to a range of markets. We currently favor equities over bonds and within Asia we prefer North Asian markets such as Mainland China and Korea over their ASEAN peers. However, an efficiently managed multi-asset solution can quickly shift asset class or geographical exposure should market conditions change".<u></u><u></u></span></div>
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<span style="font-family: Verdana, sans-serif;"><i>For more information on the Manulife Investor Sentiment Index in Asia, please visit <a href="http://www.manulife-asia.com/" target="_blank"><u>www.manulife-asia.com</u></a>.</i><u></u><u></u></span></div>
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<span style="font-family: Verdana, sans-serif;">Investor sentiment across Asia, US, Canada<u></u><u></u></span></div>
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<span style="font-family: Verdana, sans-serif;"><a href="http://release.media-outreach.com/i/Download/2481" target="_blank"><u>http://release.media-outreach.<wbr></wbr>com/i/Download/2481</u></a><u></u><u></u></span></div>
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<span style="font-family: Verdana, sans-serif;">Expected top performing asset classes and investment intentions in next 6 months<u></u><u></u></span></div>
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<span style="font-family: Verdana, sans-serif;"><a href="http://release.media-outreach.com/i/Download/2483" target="_blank"><u>http://release.media-outreach.<wbr></wbr>com/i/Download/2483</u></a><u></u><u></u></span></div>
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<span style="font-family: Verdana, sans-serif;"><a href="http://release.media-outreach.com/i/Download/2480" target="_blank"><u>http://release.media-outreach.<wbr></wbr>com/i/Download/2480</u></a><u></u><u></u></span></div>
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<span style="font-family: Verdana, sans-serif;"><br />*About Manulife Investor Sentiment Index in Asia<br />Manulife’s Investor Sentiment Index in Asia is a quarterly, proprietary survey measuring and tracking investors’ views across eight markets in the region on their attitudes towards key asset classes and related issues. The Index is calculated as a net score (% of “Very good time” and “Good time” minus % of “Bad time” and “Very bad time”) for each asset class. The overall index is calculated as an average of the index figures of asset classes. A positive number means a positive sentiment, zero means a neutral sentiment, and a negative number means negative sentiment.<br /><br />The Manulife ISI is based on 500 online interviews in each market of Hong Kong, China, Taiwan, Japan, and Singapore; in Malaysia, Indonesia and the Philippines it is conducted face-to-face. Respondents are middle class to affluent investors, aged 25 years and above who are the primary decision maker of financial matters in the household and currently have investment products.<br /><br />The Manulife ISI is a long-established research series in North America. The Manulife ISI has been measuring investor sentiment in Canada for the past 15 years, and extended this to its John Hancock operation in the U.S. in 2011. Asset classes taken into Manulife ISI Asia calculations are stocks/equities, real estate (primary residence and other investment properties), mutual funds/unit trusts, fixed income investment and cash.<br /><br />This material, intended for the exclusive use by the recipients who are allowable to receive this document under the applicable laws and regulations of the relevant jurisdictions, was produced by and the opinions expressed are those of Manulife Asset Management as of January 2015 and are subject to change based on market and other conditions. The information and/or analysis contained in this material have been compiled or arrived at from sources believed to be reliable but Manulife Asset Management does not make any representation as to their accuracy, correctness, usefulness or completeness and does not accept liability for any loss arising from the use hereof or the information and/or analysis contained herein. The information in this document, including statements concerning financial market trends, are based on current market conditions, which will fluctuate and may be superseded by subsequent market events or for other reasons. Manulife Asset Management disclaims any responsibility to update such information. Neither Manulife Asset Management or its affiliates, nor any of their directors, officers or employees shall assume any liability or responsibility for any direct or indirect loss or damage or any other consequence of any person acting or not acting in reliance on the information contained herein. All overviews and commentary are intended to be general in nature and for current interest. While helpful, these overviews are no substitute for professional tax, investment or legal advice. Clients should seek professional advice for their particular situation. Neither Manulife Financial, Manulife Asset Management™, nor any of their affiliates or representatives is providing tax, investment or legal advice. Past performance does not guarantee future results. This material was prepared solely for informational purposes, does not constitute an offer or an invitation by or on behalf of Manulife Asset Management to any person to buy or sell any security and is no indication of trading intent in any fund or account managed by Manulife Asset Management. No investment strategy or risk management technique can guarantee returns or eliminate risk in any market environment. Unless otherwise specified, all data is sourced from Manulife Asset Management.<br /><br />Issued in Hong Kong by Manulife and Manulife Asset Management.<br /><br />About Manulife<br />Manulife is a leading Canada-based financial services group with principal operations in Asia, Canada and the United States. Clients look to Manulife for strong, reliable, trustworthy and forward-thinking solutions for their most significant financial decisions. Our international network of employees, agents and distribution partners offers financial protection and wealth management products and services to millions of clients. We also provide asset management services to institutional customers. Funds under management by Manulife and its subsidiaries were approximately C$637 billion (US$597 billion) as at June 30, 2014. Our group of companies operates as Manulife in Canada and Asia and primarily as John Hancock in the United States.<br /><br />Manulife Financial Corporation trades as ‘MFC’ on the TSX, NYSE and PSE, and under ‘945’ on the SEHK. Manulife Financial can be found on the Internet at <a href="http://manulife.com/" target="_blank">manulife.com</a>.<br /><br />About Manulife Asset Management<br />Manulife Asset Management is the global asset management arm of Manulife, providing comprehensive asset management solutions for institutional investors and investment funds in key markets around the world. This investment expertise extends across a broad range of public and private asset classes, as well as asset allocation solutions. As at 30 September 2014, assets under management for Manulife Asset Management were approximately US$276 billion.<br /><br />Manulife Asset Management’s public markets units have investment expertise across a broad range of asset classes including public equity and fixed income, and asset allocation strategies. Offices with full investment capabilities are located in the United States, Canada, the United Kingdom, Japan, Hong Kong, Singapore, Taiwan, Indonesia, Thailand, Vietnam, Malaysia, and the Philippines. In addition, Manulife Asset Management has a joint venture asset management business in China, Manulife TEDA. The public markets units of Manulife Asset Management also provide investment management services to affiliates' retail clients through product offerings of Manulife and John Hancock. John Hancock Asset Management and Declaration Management and Research are units of Manulife Asset Management. Additional information about Manulife Asset Management may be found at ManulifeAM.com.</span></div>
Benjamin Anghttp://www.blogger.com/profile/08136091800952346973noreply@blogger.com1tag:blogger.com,1999:blog-3277871625454310337.post-89386746478647080932015-01-16T20:00:00.000+08:002015-01-16T20:00:05.693+08:00NUS vs NTU vs SMU – Which university’s business degree fresh graduate earns more?<div class="MsoNormal">
<span style="font-family: Verdana, sans-serif;">Among NUS, NTU and SMU, which university's business graduates get paid more fresh out of school?</span><br />
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<span style="font-family: Verdana, sans-serif;">According to the Graduate Employment Survey results
published by the Ministry of Education:</span></div>
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<span style="font-family: Verdana, sans-serif;"><b><span style="line-height: 107%;">NUS Business School - Business Administration</span></b> <o:p></o:p></span></div>
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<u><span style="font-family: Verdana, sans-serif;">Bachelor of Business Administration (BBA):</span></u><br />
<span style="font-family: Verdana, sans-serif;">Overall employment: 88.7%</span><br />
<span style="font-family: Verdana, sans-serif;">Monthly Gross (mean): $3,000</span><br />
<span style="font-family: Verdana, sans-serif;">25th percentile: $2,700</span><br />
<span style="font-family: Verdana, sans-serif;">75th percentile: $3,370</span><br />
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<u><span style="font-family: Verdana, sans-serif;">Bachelor of Business Administration (BBA) Honours:</span></u><br />
<span style="font-family: Verdana, sans-serif;">Overall employment: 94.6%</span><br />
<span style="font-family: Verdana, sans-serif;">Monthly Gross (mean): $3,512</span><br />
<span style="font-family: Verdana, sans-serif;">25th percentile: $2,800</span><br />
<span style="font-family: Verdana, sans-serif;">75th percentile: $3,800</span><br />
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<span style="font-family: Verdana, sans-serif;"><b>Nanyang Business School - Business</b></span><br />
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<span style="font-family: Verdana, sans-serif;"><u>Business (3-year direct honours programme):</u></span><br />
<span style="font-family: Verdana, sans-serif;">Overall employment: 90.9%</span><br />
<span style="font-family: Verdana, sans-serif;">Monthly Gross (mean): $3,214</span><br />
<span style="font-family: Verdana, sans-serif;">25th percentile: $2,700</span><br />
<span style="font-family: Verdana, sans-serif;">75th percentile: $3,500</span><br />
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<b><span style="font-family: Verdana, sans-serif;">SMU - School of Business</span></b><br />
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<span style="font-family: Verdana, sans-serif;"><u>Business Management (4-year programme):</u></span><br />
<span style="font-family: Verdana, sans-serif;">Overall employment: 93.2%</span><br />
<span style="font-family: Verdana, sans-serif;">Monthly Gross (mean): $3,520</span><br />
<span style="font-family: Verdana, sans-serif;">25th percentile: $2,800</span><br />
<span style="font-family: Verdana, sans-serif;">75th percentile: $3,750</span><br />
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<span style="font-family: Verdana, sans-serif;"><u>Business Management (4-year programme) Cum Laude and above:</u></span><br />
<span style="font-family: Verdana, sans-serif;">Overall employment: 95.9%</span><br />
<span style="font-family: Verdana, sans-serif;">Monthly Gross (mean): $3,975</span><br />
<span style="font-family: Verdana, sans-serif;">25th percentile: $3,000</span><br />
<span style="font-family: Verdana, sans-serif;">75th percentile: $4,100</span><br />
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<span style="font-family: Verdana, sans-serif;">Source: Ministry of Education</span><br />
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<span style="font-family: Verdana, sans-serif;">You may also be interested in past posts:</span><br />
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<a href="http://www.mywealthmodel.com/2013/05/nus-ntu-and-smu-which-is-better-part-2.html"><span style="font-size: small;"><span style="font-family: Trebuchet MS, Trebuchet, Verdana, sans-serif;">N</span><span style="font-family: Verdana, sans-serif;">US, NTU and SMU - Which is better? part 2</span></span></a></h3>
<span style="font-family: Verdana, sans-serif; font-size: small;"><br /><a href="http://www.mywealthmodel.com/2012/05/nus-ntu-and-smu-which-is-better.html">NUS, NTU and SMU - Which is better?</a></span><br />
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<span style="font-family: Verdana, sans-serif; font-size: small;"><br /><a href="http://www.mywealthmodel.com/2010/11/nus-ntu-smu-which-universitys-graduates.html">NUS NTU SMU - Which University's graduates get paid the most?</a></span></div>
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Benjamin Anghttp://www.blogger.com/profile/08136091800952346973noreply@blogger.com3tag:blogger.com,1999:blog-3277871625454310337.post-7554679886745289102014-05-23T20:23:00.000+08:002014-05-23T20:23:00.173+08:00Asia Investor Sentiment Buoyed by Equities and Mutual Funds<h2 id="contenttitle" style="background-color: white; color: #333333; font-family: Georgia, 'Times New Roman', Times, serif; font-size: 23px; font-weight: 100; line-height: 26px; margin: 0px; padding: 0px 0px 5px;">
Asia Investor Sentiment Buoyed by Equities and Mutual Funds -- Manulife Survey</h2>
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<li style="list-style: disc outside none; margin: 0px;"><strong><em>Rising optimism seen in Malaysia, Indonesia and China</em></strong></li>
<li style="list-style: disc outside none; margin: 0px;"><strong><em>Hong Kong and Taiwan sentiment also improves, but still in negative territory</em></strong></li>
<li style="list-style: disc outside none; margin: 0px;"><strong><em>Drivers include China stimulus, Indonesia election fever, pre-tax consumption in Malaysia</em></strong></li>
<li style="list-style: disc outside none; margin: 0px;"><strong><em>Family, friends and colleagues the main influence on investor decisions</em></strong></li>
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<span style="font-family: Verdana, sans-serif;">Investor sentiment across Asia rose in the first quarter of 2014, <b>buoyed by equities and mutual funds</b>, along with a<b> rise in optimism among investors</b> in Malaysia, Indonesia and China, according to new research from <b>Manulife</b>.</span></div>
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<span style="font-family: Verdana, sans-serif;">The Manulife Investor Sentiment Index* for the region rose from the fourth quarter of 2013 (+2 to 24), driven mostly by sharply higher sentiment towards equities (+7 to 16) and mutual funds (+13 to 21). The improved sentiment in these sectors offset modest declines in attitudes towards property.</span></div>
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<span style="font-family: Verdana, sans-serif;"><b>The higher sentiment was driven upward mostly by China, Indonesia and a surge in investment optimism in Malaysia</b>. In Malaysia, investor sentiment rose on stronger economic growth and the belief that market conditions are improving. Investors there share the top spot with the Philippines as the region's most positive.</span></div>
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<span style="font-family: Verdana, sans-serif;"><b>Investors in Hong Kong and Taiwan remained negative</b> -- but there was an improvement on the previous quarter, with Hong Kong at -11 (+2) and Taiwan at -6 (+5). In only three markets did sentiment fall: Japan, the Philippines and Singapore, albeit in each case remaining positive.</span></div>
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<a name='more'></a><span style="font-family: Verdana, sans-serif;">"There's generally a lag between economic developments and retail investor attitudes, so improved sentiment on equities is in part due to significant gains on equity markets and economic growth in the US and Eurozone," explained Ronald Chan, Head of Equities, Asia, for Manulife Asset Management. "Looking ahead, we are optimistic on Asian equities for the remainder of 2014. Valuations are attractive and economic fundamentals point to an improving trend in many regional markets."</span><br />
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<strong><span style="font-family: Verdana, sans-serif;">China Stimulus, Indonesia Election Fever Support Sentiment</span></strong></div>
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<span style="font-family: Verdana, sans-serif;">Commenting on China, Mr. Chan noted the rise in sentiment towards equities despite heightened concern over the economy. "We believe sentiment was bolstered by the rapid implementation of a 'mini-stimulus' program in the first quarter on 2014 and by the government's continued commitment to economic reform and higher quality long-term growth. Sentiment could continue to rise going forward, as the Chinese government recently called for banks to accelerate the issuance of mortgages," he said.</span></div>
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<span style="font-family: Verdana, sans-serif;">"Policy effect is also playing a role in Indonesia where, regardless of outcome, the upcoming election is sparking optimism over the potential for reform, thereby creating fresh investment opportunities," said Mr. Chan.</span></div>
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<span style="font-family: Verdana, sans-serif;">In Malaysia, investor optimism was reflected by a rise in sentiment towards mutual funds (+16 to 54) and equities (+9 to 39). Unlike in other parts of the region, sentiment towards property also rose sharply (+10 to 62).</span></div>
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<span style="font-family: Verdana, sans-serif;">"Small- and mid-cap equities have driven gains in Malaysia and we see this continuing through the second half of 2014 based on robust consumption as businesses stock up ahead of the goods and services tax implementation planned for early 2015," said Mr. Chan.</span></div>
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<span style="font-family: Verdana, sans-serif;">Only in Malaysia was there a discernible increase in equities as a percentage of investors' total asset portfolios (from 9 per cent to 12 per cent) from the previous quarter. It nudged up slightly in other markets, such as Hong Kong, mainland China, Taiwan and Singapore, but these moves were marginal. This is despite the fact that two-thirds of Asian investors say they review their investment portfolios every six months, with a quarter of them doing it every three months.</span></div>
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<strong><span style="font-family: Verdana, sans-serif;">Family and Friends are the Main Influence on Investment Decisions</span></strong></div>
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<span style="font-family: Verdana, sans-serif;">The research looked at levels of financial literacy, where investors go to for advice and the key influences on their investment decision making.</span></div>
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<span style="font-family: Verdana, sans-serif;">The findings showed a correlation between higher levels of financial literacy and a greater breadth of investment experience across asset classes. By comparison, how long someone has been investing seems to have little impact on their financial literacy(Note 1).</span></div>
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<span style="font-family: Verdana, sans-serif;">However, regardless of time spent investing or their breadth of experience, investors say they are influenced most by family, friends and colleagues in their investment decisions. The research shows reluctance by investors to seek outside counsel for investment planning. Most, particularly those in the Philippines, Malaysia, Indonesia and Japan, say they feel they don't need outside help and are happy to manage their investments alone.</span></div>
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<span style="font-family: Verdana, sans-serif;">"It's natural that people should turn to family and friends for financial advice, but they don't necessarily have the right skills or expertise," said Robert A. Cook, President and CEO, Manulife Asia. "If you were ill, you'd visit the doctor. Investors should seek professional advice in the same way. Also, taking a disciplined and thoughtful approach is the best way investors can achieve investment performance."</span></div>
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<em><span style="font-family: Verdana, sans-serif;">For more information on the Manulife Investor Sentiment Index in Asia, please visit <a href="http://www.manulife-asia.com/" rel="nofollow" style="color: #6099e9; margin: 0px; outline: none; text-decoration: none;" target="_blank">http://www.manulife-asia.com</a>.</span></em></div>
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<strong><span style="text-decoration: underline;"><span style="font-family: Verdana, sans-serif;">Note:</span></span></strong></div>
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<li style="margin: 0px;"><span style="font-family: Verdana, sans-serif;">Based in part on questions drawn from the <a href="http://www.usfinancialcapability.org/quiz.php" rel="nofollow" style="color: #6099e9; margin: 0px; outline: none; text-decoration: none;" target="_blank">National Financial Capability Study</a> in the United States.</span></li>
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<span style="font-family: Verdana, sans-serif;"><strong>*</strong><strong>About Manulife Investor Sentiment Index in Asia</strong></span></div>
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<span style="font-family: Verdana, sans-serif;">Manulife's Investor Sentiment Index in Asia is a quarterly, proprietary survey measuring and tracking investors' views across eight markets in the region on their attitudes towards key asset classes and related issues.</span></div>
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<span style="font-family: Verdana, sans-serif;">The Manulife ISI is based on 500 online interviews in each market of Hong Kong, mainland China, Taiwan, Japan, and Singapore; in Malaysia, Indonesia and the Philippines it is conducted face-to-face. Respondents are middle class to affluent investors, aged 25 years and above who are the primary decision maker of financial matters in the household and currently have investment products.</span></div>
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<span style="font-family: Verdana, sans-serif;">The Manulife ISI is a long-established research series in North America. The Manulife ISI has been measuring investor sentiment in Canada for the past 14 years, and extended this to its John Hancock operation in the U.S. in 2011. Asset classes taken into Manulife ISI Asia calculations are stocks/equities, real estate (primary residence and other investment properties), mutual funds/unit trusts, fixed income investment and cash.</span></div>
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<strong><span style="font-family: Verdana, sans-serif;">About Manulife</span></strong></div>
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<span style="font-family: Verdana, sans-serif;">Manulife is a leading Canada-based financial services group with principal operations in Asia, Canada and the United States. Clients look to Manulife for strong, reliable, trustworthy and forward-thinking solutions for their most significant financial decisions. Our international network of employees, agents and distribution partners offers financial protection and wealth management products and services to millions of clients. We also provide asset management services to institutional customers. Funds under management by Manulife and its subsidiaries were approximately C$635 billion (US$574 billion) as at March 31, 2014. Our group of companies operates as Manulife in Canada and Asia and primarily as John Hancock in the United States.</span></div>
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<span style="font-family: Verdana, sans-serif;">Manulife Financial Corporation trades as 'MFC' on the TSX, NYSE and PSE, and under '945' on the SEHK. Manulife can be found on the Internet at manulife.com. Manulife Financial Corporation trades as 'MFC' on the TSX, NYSE and PSE, and under '945' on the SEHK. Manulife Financial can be found on the Internet at <a href="http://www.manulife.com/" rel="nofollow" style="color: #6099e9; margin: 0px; outline: none; text-decoration: none;" target="_blank">manulife.com</a>.</span></div>
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<strong><span style="font-family: Verdana, sans-serif;">About Manulife Asset Management</span></strong></div>
<div style="line-height: 1.6em; padding: 0px 0px 10px;">
<span style="font-family: Verdana, sans-serif;">Manulife Asset Management is the global asset management arm of Manulife Financial, providing comprehensive asset management solutions for institutional investors and investment funds in key markets around the world. This investment expertise extends across a broad range of public, private, and alternative asset classes, as well as asset allocation solutions. As at March 31, 2014, assets under management for Manulife Asset Management were C$298 billion (US$269 billion).</span></div>
<div style="line-height: 1.6em; padding: 0px 0px 10px;">
<span style="font-family: Verdana, sans-serif;">Manulife Asset Management's public markets units have investment expertise across a broad range of asset classes including public equity and fixed income, and asset allocation strategies. Offices with full investment capabilities are located in the United States, Canada, the United Kingdom, Japan, Hong Kong, Singapore, Taiwan, Indonesia, Thailand, Vietnam, Malaysia, and the Philippines. In addition, Manulife Asset Management has a joint venture asset management business in China, Manulife TEDA. The public markets units of Manulife Asset Management also provide investment management services to affiliates' retail clients through product offerings of Manulife and John Hancock. John Hancock Asset Management and Declaration Management and Research are units of Manulife Asset Management. Additional information about Manulife Asset Management may be found at <a href="http://www.manulifeam.com/" rel="nofollow" style="color: #6099e9; margin: 0px; outline: none; text-decoration: none;" target="_blank">ManulifeAM.com</a>.</span></div>
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Benjamin Anghttp://www.blogger.com/profile/08136091800952346973noreply@blogger.com3tag:blogger.com,1999:blog-3277871625454310337.post-78236057892364771252014-02-12T22:34:00.002+08:002014-02-12T22:34:47.305+08:00Is money the main motivator for Singapore's talent?<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; margin-bottom: 0.0001pt;">
<span style="color: #222222; font-family: Verdana, sans-serif;"><span style="font-size: 15.333333015441895px;"><i>What is the main motivator for Singapore's top talent?</i></span></span></div>
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<span style="color: #222222; font-family: Verdana, sans-serif;"><span style="font-size: 15.333333015441895px;">According to a survey by </span></span><span style="color: #222222; font-family: Verdana, sans-serif; font-size: 15.333333015441895px;">Morgan McKinley, a global professional services recruiter connecting specialist talent with leading employers across multiple industries and disciplines, </span><b style="font-family: Verdana, sans-serif;"><span style="color: #222222; font-size: 11.5pt;">MONEY IS NOT THE MAIN MOTIVATOR FOR SINGAPORE’S TOP TALENT.</span></b></div>
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<span style="color: #222222; font-family: Verdana, sans-serif;"><span style="font-size: 15.333333015441895px;"><i>So what must Singapore businesses do to retain top talent?</i></span></span></div>
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<span style="color: #222222; font-family: Verdana, sans-serif;"><span style="font-size: 15.333333015441895px;">It said that </span></span><span style="color: #222222; font-family: Verdana, sans-serif; font-size: 11.5pt;">Singapore
businesses need to consider </span><b style="color: #222222; font-family: Verdana, sans-serif; font-size: 11.5pt;">more than boosting basic salary </b><span style="color: #222222; font-family: Verdana, sans-serif; font-size: 11.5pt;">levels if they want
to keep their top talent.</span></div>
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<span style="color: #222222; font-family: Verdana, sans-serif; font-size: 11.5pt;"><i>So what are Singapore job seekers motivated by?</i></span></div>
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<span style="color: #222222; font-family: Verdana, sans-serif; font-size: 11.5pt;">Morgan McKinley’s
latest Singapore job seeker survey shows that professional job seekers are
</span><b style="color: #222222; font-family: Verdana, sans-serif; font-size: 11.5pt;">motivated more by opportunities for career progression than by money</b><span style="color: #222222; font-family: Verdana, sans-serif; font-size: 11.5pt;"> – nearly
two thirds cited lack of career progression as their main reason for leaving a
job</span></div>
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<span style="color: #222222; font-family: Verdana, sans-serif; font-size: 11.5pt;"><br /></span></div>
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<span style="color: #222222; font-family: Verdana, sans-serif;"><span style="font-size: 15.333333015441895px;"><i>What proportion of job seeker leave solely based on <b>dissatisfaction with basic salary</b>?</i></span></span></div>
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<span style="color: #222222; font-family: Verdana, sans-serif; font-size: 11.5pt;">Only 12% surveyed
were motivated to leave solely based on dissatisfaction with their basic salary.</span></div>
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<span style="color: #222222; font-family: Verdana, sans-serif; font-size: 11.5pt;"><i>How much <b>salary hike</b> does it take for an employee to job hop or jump ship?</i></span></div>
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<span style="color: #222222; font-family: Verdana, sans-serif; font-size: 11.5pt;"><i></i></span></div>
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<span style="color: #222222; font-family: Verdana, sans-serif; font-size: 11.5pt;">Where salary was a
motivating factor, the </span><b style="color: #222222; font-family: Verdana, sans-serif; font-size: 11.5pt;">majority of respondents expected a 15-20% pay increase</b><span style="color: #222222; font-family: Verdana, sans-serif; font-size: 11.5pt;">,
indicating that </span><b style="color: #222222; font-family: Verdana, sans-serif; font-size: 11.5pt;">a major salary hike may not be needed to tempt an employee to
jump ship</b></div>
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<span style="font-family: Verdana, sans-serif;"><b><span style="color: #222222; font-size: 11.5pt;"><u>Career Progression is main motivation for leaving a job</u></span></b><span style="color: #222222; font-size: 12pt;"><o:p></o:p></span></span></div>
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<span style="font-family: Verdana, sans-serif;"><span style="color: #222222; font-size: 11.5pt;">In January 2014, Morgan McKinley conducted a survey of its professional
job seekers in a range of sectors and disciplines to investigate their current
outlook, job satisfaction and expectations with regard to career progression.</span><span style="color: #222222; font-size: 12pt;"><o:p></o:p></span></span></div>
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<span style="font-family: Verdana, sans-serif;"><span style="color: #222222; font-size: 11.5pt;">The survey shows that <b>overwhelmingly, career
progression is candidates’ main motivation for leaving a job</b>. <u><b>Nearly
two-thirds (63%) of respondents cited this, a long way ahead of basic salary at
12%</b></u>. </span></span></div>
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<span style="font-family: Verdana, sans-serif;"><span style="color: #222222; font-size: 11.5pt;">However, a significant number cited a very wide variety of other reasons,
the most prominent of which related to problems or dissatisfactions with their
current role, such as organisational change or restructuring, a desire to
relocate, scope of the job, end of project or termination of contract,
work-life balance, company culture and ethical issues.</span><span style="color: #222222; font-size: 12pt;"><o:p></o:p></span></span></div>
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<span style="font-family: Verdana, sans-serif;"><b><span style="color: #222222; font-size: 11.5pt;"><u>Overall package or broader remit are
top of mind when considering career progression</u></span></b><span style="color: #222222; font-size: 12pt;"><o:p></o:p></span></span></div>
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<span style="font-family: Verdana, sans-serif;"><span style="color: #222222; font-size: 11.5pt;">When considering their career progression, two
things are almost equally likely to be top of mind: for professionals: 36%
responded increase in overall package and 31% responded broader remit (e.g.
responsibility for more countries or a larger headcount).</span><span style="color: #222222; font-size: 12pt;"><o:p></o:p></span></span></div>
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<span style="font-family: Verdana, sans-serif;"><b><span style="color: #222222; font-size: 11.5pt;">Tricia Liverpool, Managing Director, Morgan McKinley Singapore
commented:</span><span style="color: #222222;"> </span></b></span><i style="font-family: Verdana, sans-serif;"><span style="color: #222222; font-size: 11.5pt;">“Recently published surveys on </span></i><span style="color: #222222; font-family: Verdana, sans-serif; font-size: 12pt;"><a href="http://www.humanresourcesonline.net/news/43122" target="_blank"><i><span style="color: #1155cc; font-size: 11.5pt;">job
satisfaction </span></i></a></span><i style="font-family: Verdana, sans-serif;"><span style="color: #222222; font-size: 11.5pt;">and </span></i><span style="color: #222222; font-family: Verdana, sans-serif; font-size: 12pt;"><a href="http://www.humanresourcesonline.net/news/43152" target="_blank"><i><span style="color: #1155cc; font-size: 11.5pt;">compensation</span></i></a></span><i style="font-family: Verdana, sans-serif;"><span style="color: #222222; font-size: 11.5pt;">have suggested that
<b>Singaporeans are the unhappiest in the Asia Pacific region</b>, <b>believing that they
are underpaid</b> and that as a result, 64% say they plan to leave their current
role over the next 12 months.</span></i></div>
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<span style="font-family: Verdana, sans-serif;"><i><span style="color: #222222; font-size: 11.5pt;">“Our own survey indicates that only a small minority of employees are
primarily motivated to change jobs solely because they want an increase in
their basic salary. Career progression is a much more important consideration,
so we need to take a broader view of contentment at work.”</span></i><span style="color: #222222; font-size: 12pt;"><o:p></o:p></span></span></div>
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<br /></div>
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<span style="font-family: Verdana, sans-serif;"><i><span style="color: #222222; font-size: 11.5pt;">View the full <u><a href="http://www.morganmckinley.com.sg/article/singapore-career-progression-survey-2014" target="_blank"><span style="color: #1155cc;">Singapore job seeker report</span></a></u><a href="http://www.morganmckinley.com.sg/article/singapore-career-progression-survey-2014" target="_blank"><span style="color: #1155cc;"> </span></a>and </span></i><span style="color: #222222; font-size: 12pt;"><i><span style="color: #1155cc; font-size: 11.5pt;"><a href="http://www.morganmckinley.com.sg/article/singapore-career-progression-survey-2014" target="_blank">infographic on</a> the website of Morgan Mckinley.</span></i><o:p></o:p></span></span></div>
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Benjamin Anghttp://www.blogger.com/profile/08136091800952346973noreply@blogger.com4tag:blogger.com,1999:blog-3277871625454310337.post-57846119492692702152014-02-04T20:00:00.000+08:002014-02-04T20:00:00.043+08:00Break the 12 worst money habits<span style="font-family: Verdana, sans-serif;">A recent Business Insider article talks about the below <b>12 worst money habits:</b></span><br />
<span style="font-family: Verdana, sans-serif;"><b><br /></b></span>
<span style="font-family: Verdana, sans-serif;">1) Buying lunch... and coffee and snacks everyday</span><br />
<span style="font-family: Verdana, sans-serif;">2) Neglecting to get the best rate</span><br />
<span style="font-family: Verdana, sans-serif;">3) Not prioritising high-interest debt</span><br />
<span style="font-family: Verdana, sans-serif;">4) Neglecting to take advantage of a 401(k) match (while US-relevant, it can be applied to things like the CDA account match in Singapore)</span><br />
<span style="font-family: Verdana, sans-serif;">5) Carrying a credit card balance</span><br />
<span style="font-family: Verdana, sans-serif;">6) Paying a premium for your vacation</span><br />
<span style="font-family: Verdana, sans-serif;">7) Saving your savings goals for last</span><br />
<span style="font-family: Verdana, sans-serif;">8) Overpaying on entertainment</span><br />
<span style="font-family: Verdana, sans-serif;">9) Setting and forgetting about your savings</span><br />
<span style="font-family: Verdana, sans-serif;">10) Dining out to the detriment of your budget</span><br />
<span style="font-family: Verdana, sans-serif;">11) Paying the price for last-minute holiday purchases</span><br />
<span style="font-family: Verdana, sans-serif;">12) Forgetting about gift cards</span><br />
<span style="font-family: Verdana, sans-serif;"><br /></span>
<span style="font-family: Verdana, sans-serif;">For <b>how much you can save</b> and how to break them,</span><br />
<span style="font-family: Verdana, sans-serif;"><br /></span>
<span style="font-family: Verdana, sans-serif;"></span><br />
<a name='more'></a><span style="font-family: Verdana, sans-serif;"><br /></span><br />
<span style="font-family: Verdana, sans-serif;">the full article is available at http://www.businessinsider.com/worst-money-habits-and-how-to-break-them-2014-2</span><br />
<span style="font-family: Verdana, sans-serif;"><br /></span>
<span style="font-family: Verdana, sans-serif;"><br /></span>Benjamin Anghttp://www.blogger.com/profile/08136091800952346973noreply@blogger.com2tag:blogger.com,1999:blog-3277871625454310337.post-20822930859589085912013-10-09T20:16:00.000+08:002013-10-09T20:16:00.306+08:00How to spot overseas property scams?How to spot <b>overseas property scams</b>?<br />
<br />
<em style="background-color: white; font-family: Georgia, Times, 'Times New Roman', serif; font-size: 14px; line-height: 22.45833396911621px;">Yahoo carried an item guest contributed by Mr Getty Goh, "the co-founder of CoAssets, a spinoff company from Ascendant Assets Pte Ltd, and Singapore and South East Asia’s first real estate bulk purchase and crowd funding site". </em><br />
<em style="background-color: white; font-family: Georgia, Times, 'Times New Roman', serif; font-size: 14px; line-height: 22.45833396911621px;"><br /></em>
<em style="background-color: white; font-family: Georgia, Times, 'Times New Roman', serif; font-size: 14px; line-height: 22.45833396911621px;">Read it at: </em><a href="http://sg.finance.yahoo.com/news/spot-overseas-property-scams-131730522.html">http://sg.finance.yahoo.com/news/spot-overseas-property-scams-131730522.html</a><br />
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<div style="background-color: white; font-family: Georgia, Times, 'Times New Roman', serif; font-size: 14px; line-height: 22.45833396911621px; margin-top: 11px; padding: 0px;">
Recently, a mainstream newspaper wrote about how some dodgy <b>foreign property investment schemes</b> were recently sold in Singapore. Being a co-founder of CoAssets, Singapore and South East Asia’s first real estate bulk purchase and crowdsourcing portal, I have come across my fair share of dodgy investments. Hence, I thought it would be useful for me to share some of the tools I use to help me discern whether a deal is genuine or a scam.</div>
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Looking through the news article, the deal was eerily similar to something that I came across just a few weeks ago. Some of the similarities are (1) the project is located south of Batam and (2) more than 1,300 units were sold for $70 million.</div>
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The business model of CoAssets has been likened to that of SouFun, a Chinese listed company that provides targeted ad solutions for property developers by aggregating demand (i.e. bulk purchase). Hence, we were approached to get aggregate bulk buyers for this Indonesian project. After careful consideration, we turned the collaboration down and we found two key red flags that made us cautious.</div>
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<strong>Red Flag #1: The numbers did not add up</strong></div>
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One of the main things that made my team wary was that the projected numbers did not add up. In another news article, it was reported that the developer was planning to sell 900 units at US$90,000 (about S$117,000). There were different units and the smallest unit was about 60 square meters (about 646 square feet). Of the 900 units, 200 were already sold at a special pre-launch price of about US$30,000 (about S$39,000), which meant that a deep discount of about 66% had been given to the group of early buyers.</div>
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Developers are after all in the business of making money through the selling of properties; hence the question we wanted to answer was whether a discount of 66% was reasonable.</div>
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When it comes to development, one key component is construction cost. To find out how much it costs to build a residential property in Indonesia, <a data-rapid_p="1" href="http://rlb.com/publications/rlb-international-report-third-quarter-2013/" style="color: #005790; text-decoration: none;">construction cost estimates for 2013Q3 from Rider Levett Bucknall (RLB)</a>, an internationally renowned quantity-surveying firm, were used.</div>
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Based on the report, the estimated construction cost for Jakarta was between RP6,161,000 per sq m (about S$62.36psf) and RP9,839,000 (about S$99.62psf). Due to the lack of more precise data for the Batam region, construction cost for Jakarta was used as an indication. Based on the estimated cost, purely for construction, it would cost between S$40,000 and S$64,000 to build the smallest 60 square meter villa. Hence, at the special price of US$30,000, the developer may not be breaking even.</div>
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Compounding to the risk, the number of people who received the special 66% discount was also unclear. The project could still be viable if the developer gave the special 66% discount to just a handful of close business associates. However, if it gave it to all 200 buyers, the total amount collected would unlikely be enough to cover the construction cost for the 200 units.</div>
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<strong>Red Flag #2: The developer did not seem to have the financial strength</strong></div>
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Developments are generally hefty financial undertakings and many developers do it with some form of construction loans from banks. While developers may not reveal the true financial situation to the retail property buyers, they will have to show their financial reports to banks in order to secure construction loans. Hence, developers that can secure bank financing at the construction stage tend to be in a good financial position and are more secure. Conversely, developers who do not have some form of bank financing during the construction stage are not viewed to be as attractive.</div>
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The 900 units in the Batam development falls under the latter category. That is not to say that all projects that do not have bank financing during the construction stage are doomed to fail. However, for this specific case, the amount needed to build all 900 hundred units is at least S$36 million (assuming all 900 units are 60 square meter units that cost S$40,000 each to construct). When we did an ACRA check on the Singapore company, we found that the company had only a paid up capital of S$300,000 and the key appointment holders of the company stayed in public flats.</div>
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<strong>What is your financial recourse?</strong></div>
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<a name='more'></a>When it comes to overseas property deals, a key aspect that investors should look at is financial recourse – if things go awry, who will be financially responsible to make the investors whole. Based on HDB’s website, it states that “Under the Housing & Development Act, so long as one of the flat owners of the HDB flat is a Singapore Citizen, the HDB flat (of any type) will not vest in the Official Assignee (“OA”) in the event of bankruptcy of any or all of the flat owners and the flat owners would not be compelled to dispose of their flat.” This means that investors would have limited recourse should the development fail to materialise, as the directors’ assets could not be sold to repay the debtors.<br />
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More troubling is that the amount raised from the presale is about S$7.8 million. It is still significantly less than the S$36 million needed for the project, bearing in mind that this is just a low end estimate as things like land cost, developer profits and other miscellaneous charges have not been factored in. A S$300,000 company is unlikely to have the type of financial muscle to deliver on a S$36 million project. And without bank financing, it is hard to fathom how they will be able to deliver on their promise.</div>
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Based on the two factors highlighted above, the CoAssets team concluded that the deal was too risky and we were not prepared to endorse it. At this juncture, I must emphasize that not all projects that fail are scams. Even good developments with solid management behind them have some risks of failing, as real estate development is, by nature, a risky endeavour.</div>
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To us, genuine business failures are realistic plans that go awry due to a sudden change of market conditions. On the other hand, scams are “fantastic promises” made by those who do not intend to keep them – this means that the plan is unrealistic at the onset.</div>
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<strong>Conclusion</strong></div>
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To conclude, the Indonesian case study that I have cited in this article could be a genuine deal. The developer could also have the financial muscle to take on a multi-million project and be profitable selling their villa units at S$39,000. However, I think that it is always more prudent to err on the side of caution. Even if I am wrong and this turns out to be the next big financial deal, the market is not short of genuine good deals, all we have to do is look and do our due diligence.</div>
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I also must qualify that this article just provides a brief analysis on two of the more important red flags. There are many other considerations that have not been listed and a more detailed write-up will be beyond the scope of this article. However, if you are currently looking at a deal that seems too good to be true and would like to get a second opinion, you can drop me an email at <a data-rapid_p="2" href="mailto:SecondOpinion@CoAssets.com" style="color: #005790; text-decoration: none;">SecondOpinion@CoAssets.com</a>. While it is not part of CoAsset’s core business, we hope to add more value to you by highlighting some of the blind spots that you might have missed.</div>
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Ultimately, let me end off with this adage, “if it seems too good to be true, it often is”. <b>This statement is pretty much applicable to everything in life, overseas property scams included.</b></div>
Benjamin Anghttp://www.blogger.com/profile/08136091800952346973noreply@blogger.com2tag:blogger.com,1999:blog-3277871625454310337.post-41977396596730696962013-07-21T12:21:00.000+08:002013-07-21T16:10:24.801+08:00Top 5 paying occupations in Singapore within each occupational group<div class="MsoNormal">
What are the top 5 paying occupations in Singapore within each occupational group?</div>
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Want to find out what are the high-paying jobs in Singapore or how your wages or salaries compare to others?</div>
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Below is based on the latest available report by the Ministry of
Manpower released in June 2012.</div>
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<o:p></o:p></div>
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<b>Top five occupations in terms of median monthly gross wages
within each occupational group:</b><o:p></o:p></div>
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<b><u>Managers</u></b><o:p></o:p></div>
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Managing Director/ CEO $16,684<o:p></o:p></div>
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Company Director $11,495<o:p></o:p></div>
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COO/ General Manager $9,800<o:p></o:p></div>
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Software & Applications Manager $9,174<o:p></o:p></div>
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R&D Manager $8,045<o:p></o:p></div>
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<b><u>Professionals</u></b><o:p></o:p></div>
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University Lecturer $10,918<o:p></o:p></div>
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Lawyer (excl advocate
& solicitor) $8,400<o:p></o:p></div>
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Financial/ Investment Adviser $8,333<o:p></o:p></div>
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Advocate/ Solicitor $8,200<o:p></o:p></div>
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GP/ Physician $8,196<o:p></o:p></div>
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<b><u>Associate
Professionals & Technicians</u></b><o:p></o:p></div>
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Trade Broker (incl oil & bunker trader) $12,408<o:p></o:p></div>
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Foreign Exchange Dealer/ Broker $11,000<o:p></o:p></div>
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Commodities Derivatives Broker $10,936<o:p></o:p></div>
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Ship Broker $10,000<o:p></o:p></div>
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Marketing & Sales Representative $5,644<br />
(Institutional Sales of Financial Products)<o:p></o:p></div>
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Other related posts that you may be interested in:<br />
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<a href="http://www.mywealthmodel.com/2013/05/nus-ntu-and-smu-which-is-better-part-2.html" style="color: #6699cc; text-decoration: none;">NUS, NTU and SMU - Which is better? part 2</a></h3>
<div>
<h3 class="post-title entry-title" style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 18px; font-weight: normal; margin: 0px; position: relative;">
<a href="http://www.mywealthmodel.com/2012/04/how-much-salary-should-i-be-paid.html" style="color: #6699cc; text-decoration: none;">How much salary should I be paid?</a></h3>
</div>
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<a href="http://www.mywealthmodel.com/2011/07/high-paying-jobs-in-singapore.html" style="color: #6699cc; text-decoration: none;">High paying jobs in Singapore?</a></h3>
</div>
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</div>
Benjamin Anghttp://www.blogger.com/profile/08136091800952346973noreply@blogger.com11tag:blogger.com,1999:blog-3277871625454310337.post-36443776502814918982013-07-13T16:05:00.002+08:002013-07-13T16:05:22.735+08:00Achieving success - Making a difference<span style="font-family: Verdana, sans-serif;">As part of my job, I meet and interview what most would consider successful people - Regional and Global CEOs.</span><br />
<span style="font-family: Verdana, sans-serif;"><br /></span>
<span style="font-family: Verdana, sans-serif;">With time, I begin to ask them questions outside of work and one of the questions I typically ask is, what advice would they give to someone who wants to achieve the success that they have.</span><br />
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<span style="font-family: Verdana, sans-serif;">As these chats happen socially, I will not be naming them to respect their privacy, but at the same time, I think there are lessons we can all learn from. </span><br />
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<span style="font-family: Verdana, sans-serif;"><b><i>A global CEO of a reinsurance company said:</i></b></span><br />
<span style="font-family: Verdana, sans-serif;"><b><i><br /></i></b></span>
<span style="font-family: Verdana, sans-serif;"><b><i></i></b></span><br />
<a name='more'></a><span style="font-family: Verdana, sans-serif;"><b><i><br /></i></b></span><br />
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<span style="font-family: Verdana, sans-serif;"><b><i>Having an attitude about finding the right the right place
where you can make a difference. <o:p></o:p></i></b></span></div>
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<span style="font-family: Verdana, sans-serif;"><b><i><br /></i></b></span></div>
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<span style="font-family: Verdana, sans-serif;"><b><i>Continuing to think and believe that there is something that
you can do to make a difference, and displaying all the enthusiasm to achieve
that. <o:p></o:p></i></b></span></div>
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<span style="font-family: Verdana, sans-serif;"><b><i><br /></i></b></span></div>
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<span style="font-family: Verdana, sans-serif;"><b><i>A lot of it simply comes down to that, finding your own way.<o:p></o:p></i></b></span></div>
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<span style="font-family: Verdana, sans-serif;"><b><i><br /></i></b></span></div>
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<span style="font-family: Verdana, sans-serif;"><b><i>There are many ways to achieve success and people measure success in
many different ways.<o:p></o:p></i></b></span></div>
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<span style="font-family: Verdana, sans-serif;"><b><i><br /></i></b></span></div>
<span style="line-height: 107%;"><span style="font-family: Verdana, sans-serif;"><b><i>So you really have to find things you believe in
and pursue them with all you can. </i></b></span></span><br />
<span style="line-height: 107%;"><span style="font-family: Verdana, sans-serif;"><b><i><br /></i></b></span></span>
<span style="line-height: 107%;"><span style="font-family: Verdana, sans-serif;"><b><i><br /></i></b></span></span>Benjamin Anghttp://www.blogger.com/profile/08136091800952346973noreply@blogger.com2tag:blogger.com,1999:blog-3277871625454310337.post-37095335867512253582013-05-25T17:23:00.001+08:002013-05-25T17:23:55.263+08:00The Magic of Money<br />
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<span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">“Money is so elusive,” a friend once said. “It keeps disappearing.”</span><span lang="EN-SG" style="font-size: 12pt; line-height: 24px;"><o:p></o:p></span></div>
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<span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;"><br />Don’t we all have the same feeling on occasions?</span><span lang="EN-SG" style="font-size: 12pt; line-height: 24px;"><o:p></o:p></span></div>
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<span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">Well, I have two words for it and the first word begins with an “F”.</span><span lang="EN-SG" style="font-size: 12pt; line-height: 24px;"><o:p></o:p></span></div>
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<b><span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">Financial Budgeting.</span></b><span lang="EN-SG" style="font-size: 12pt; line-height: 24px;"><o:p></o:p></span></div>
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<span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">It can help us to manage our money and prevent the disappearing acts.</span><span lang="EN-SG" style="font-size: 12pt; line-height: 24px;"><o:p></o:p></span></div>
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<span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">Of course, it is highly recommended that we should always pay ourselves first, that is to set aside money for savings whenever we get our pay checks. However, for those who feel that it is impossible, or don’t know where to start, financial budgeting can help.</span><span lang="EN-SG" style="font-size: 12pt; line-height: 24px;"><o:p></o:p></span></div>
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<span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">Some find doing financial budgeting a painful process. A friend described it as doing the same boring homework every day.</span><span lang="EN-SG" style="font-size: 12pt; line-height: 24px;"><o:p></o:p></span></div>
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<span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">Here are some points you may want to keep in mind to get started if you do not have a trusted financial adviser to guide you.</span><span lang="EN-SG" style="font-size: 12pt; line-height: 24px;"><o:p></o:p></span></div>
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<i><span style="line-height: 19px;">This</span><span style="line-height: 19px;"> post was written for and first published on </span><a href="http://cdacvolunteers.blogspot.sg/" style="line-height: 19px;">Volunteers@CDAC</a><span style="line-height: 19px;"> blog at </span><a href="http://cdacvolunteers.blogspot.sg/2013/05/the-magic-of-money.html" style="line-height: 1.4;">http://cdacvolunteers.blogspot.sg/2013/05/the-magic-of-money.html</a></i></div>
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<b><u><span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;"><br /></span></u></b></div>
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<b><u><span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">1) Start with your Fixed Expenses</span></u></b><span lang="EN-SG" style="font-size: 12pt; line-height: 24px;"><o:p></o:p></span></div>
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<span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">This should be the easiest in the exercise. Paying off a loan? How about that insurance policy? Note them all down. This is handy in more ways than one. Thinking of starting that business you’ve always dreamt about? Or pondering over leaving your job? Knowing your fixed expenses can help you plan how much savings and buffer you need to build up before taking that plunge.</span><span lang="EN-SG" style="font-size: 12pt; line-height: 24px;"><o:p></o:p></span></div>
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<span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;"><br /><b><u>2) There is No Need to be 100% Accurate</u></b></span><span lang="EN-SG" style="font-size: 12pt; line-height: 24px;"><o:p></o:p></span></div>
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<span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">Most people get frustrated and give up the exercise to keep track of their expenses when they can’t recall everything that they had spent on or had forgotten to keep track for a day or two.</span><span lang="EN-SG" style="font-size: 12pt; line-height: 24px;"><o:p></o:p></span></div>
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<span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">The main purpose of keeping track of your expenses is to know whether you are spending within your means. While we aim to be as accurate as possible, it is not a test and you don’t have to beat yourself up if you can’t remember every item you had spent on to the last cent. </span><span lang="EN-SG" style="font-size: 12pt; line-height: 24px;"><o:p></o:p></span></div>
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<i><span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">My suggestion:</span></i><span lang="EN-SG" style="font-size: 12pt; line-height: 24px;"><o:p></o:p></span></div>
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<span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">Be a really good “student” for at least 14 days and do your homework conscientiously. This will give you a good gauge on the average you spend on a typical day. So in case it slips your mind on a typical day, you can safely use the average.</span><span lang="EN-SG" style="font-size: 12pt; line-height: 24px;"><o:p></o:p></span></div>
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<b><u><span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">3) Automate it</span></u></b><span lang="EN-SG" style="font-size: 12pt; line-height: 24px;"><o:p></o:p></span></div>
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<span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">What will also help is to automate your payment of expenses. Arrange to pay your bills by GIRO; it will avoid issues of late payments which will incur unnecessary charges. In addition, the transactions are recorded in your statements which can help keep track of your expenses and take away the need of relying on memory.</span><span lang="EN-SG" style="font-size: 12pt; line-height: 24px;"><o:p></o:p></span></div>
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<span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">You may also want to consider making payments by credit card whenever possible for the same reason that you will have a record of your spending.<b> But be warned</b>, you should only use it when spending money that you can afford and not end up with credit card debts with exorbitant interest rates.</span><span lang="EN-SG" style="font-size: 12pt; line-height: 24px;"><o:p></o:p></span></div>
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<b><u><span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">4) Err on the Side of Caution.</span></u></b><span lang="EN-SG" style="font-size: 12pt; line-height: 24px;"><o:p></o:p></span></div>
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<span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">When in doubt, err on the side of caution. Commission or variable pay will make up part of your income. It is however better to underestimate income than overestimate.</span><span lang="EN-SG" style="font-size: 12pt; line-height: 24px;"><o:p></o:p></span></div>
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<span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">As for expenses, I tend to round up my expenses and project that I will spend more so I can set aside more funds.</span><span lang="EN-SG" style="font-size: 12pt; line-height: 24px;"><o:p></o:p></span></div>
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<b><u><span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">5) You don’t have to do it forever - unless you wish to</span></u></b><span lang="EN-SG" style="font-size: 12pt; line-height: 24px;"><o:p></o:p></span></div>
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<span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">The good news: there is no need to keep track every day forever! I would say the main purpose of the exercise is to know your spending habits, such as how much you are spending and whether you are spending within your means. Once you understand your spending habits and have made changes to bring it under control, you may just have to spend some time to do it annually or whenever there is a change in lifestyle such as getting a new job, a new house, or when you become a parent.</span><span lang="EN-SG" style="font-size: 12pt; line-height: 24px;"><o:p></o:p></span></div>
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<span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;"><br />Happy tracking! </span><span lang="EN-SG" style="font-size: 12pt; line-height: 24px;"><o:p></o:p></span></div>
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<i><span lang="EN-SG" style="font-family: Corbel, sans-serif; font-size: 13pt;">By <b>Benjamin Ang</b> </span></i><span lang="EN-SG" style="font-family: Corbel, sans-serif; font-size: 13pt;"><o:p></o:p></span></div>
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<span style="line-height: 19px;">This</span><span style="line-height: 19px;"> post was written for and first published on </span><a href="http://cdacvolunteers.blogspot.sg/" style="line-height: 19px;">Volunteers@CDAC</a><span style="line-height: 19px;"> blog at </span><a href="http://cdacvolunteers.blogspot.sg/2013/05/the-magic-of-money.html" style="line-height: 1.4;">http://cdacvolunteers.blogspot.sg/2013/05/the-magic-of-money.html</a></div>
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Benjamin Anghttp://www.blogger.com/profile/08136091800952346973noreply@blogger.com1tag:blogger.com,1999:blog-3277871625454310337.post-87961077792996440332013-05-09T21:44:00.003+08:002015-01-20T11:14:23.386+08:00NUS, NTU and SMU - Which is better? part 2<span style="font-family: Verdana, sans-serif;"><i><span style="background-color: white; color: #333333; line-height: 20px;">** For the latest stats: </span><a href="http://www.mywealthmodel.com/2015/01/nus-vs-ntu-vs-smu-which-universitys.html" target="_blank">NUS vs NTU vs SMU – Which university’s business degree fresh graduate earns more?</a> ( posted on Jan 2015) **</i></span><br />
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<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Here is another entry on <b>National University of Singapore (NUS), Nanyang Technological University (NTU) and Singapore Management University (SMU)</b>.</span><br />
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<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">The graduate employment survey 2012 results are out.</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;"><br /></span>
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">So if your "better" means how much do the graduates from NUS, NTU and SMU earn, and how are the employment prospects for their graduates, you may be interested in the below information from the Ministry of Education, Singapore.</span><br />
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<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; line-height: 20px;"><b><span style="font-size: large;"><u>NUS Business School</u></span></b></span><br />
<span style="font-family: Verdana, sans-serif; font-size: large;"><b><u><br style="background-color: white; color: #333333; line-height: 20px;" /></u></b></span><span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;"><b>Degree: Bachelor of Business Administration</b></span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Overall employment rate: 88.5%</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Full-time permanent employment rate: 84.2%</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Gross monthly salary (Mean): $3,238</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;"><br /></span><span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;"><b>Degree: Bachelor of Business Administration (Hons)</b></span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Overall employment rate: 92.6%</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Full-time permanent employment rate: 88.3%</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Gross monthly salary (Mean): $3,976</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;"><br /></span><span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;"><b>Degree: Bachelor of Business Administration (Accountancy)</b></span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Overall employment rate: 96.6%</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Full-time permanent employment rate: 96.6%</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Gross monthly salary (Mean): $2,882</span><br />
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<b style="color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Degree: Bachelor of Business Administration (Accountancy) (Hons)</b><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Overall employment rate: 96.2%</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Full-time permanent employment rate: 96.2%</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Gross monthly salary (Mean): $3,423</span><br />
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<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; line-height: 20px;"><b><u><span style="font-size: large;">Nanyang Business School</span></u></b></span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;"><b><u><br /></u></b></span><b><span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Degree: </span><span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Business (3-yr direct honours)</span></b><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Overall employment rate: 96.3%</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Full-time permanent employment rate: 90.5%</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Gross monthly salary (Mean): $3,268</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;"><br /></span><b><span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Degree: </span><span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Accountancy (3-yr direct honours)</span></b><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Overall employment rate: 97.6%</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Full-time permanent employment rate: 96.5%</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Gross monthly salary (Mean): $2,969</span><br />
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<b><span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Degree: </span><span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Accountancy and Business</span></b><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Overall employment rate: 96.9%</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Full-time permanent employment rate: 95.9%</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Gross monthly salary (Mean): $3,464</span><span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;"><br /></span><br />
<b><span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Degree: </span><span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Business and Computing</span></b><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Overall employment rate: 95.2%</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Full-time permanent employment rate: 95.2%</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Gross monthly salary (Mean): $3,651</span><br />
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<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; line-height: 20px;"><b><u><span style="font-size: large;">SMU</span></u></b></span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;"><u><br /></u></span>
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;"><u>School of Accountancy</u></span><br />
<b><span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Degree: </span><span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Accountancy (4-yr programme)</span></b><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Overall employment rate: 95.3%</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Full-time permanent employment rate: 93.0%</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Gross monthly salary (Mean): $3,268</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;"><br /></span><span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">-Cum Laude and above</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Overall employment rate: 98.5%</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Full-time permanent employment rate: 97.0%</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Gross monthly salary (Mean): $3,765</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;"><br /></span>
<u style="color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">School of Business</u><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;"><b>Degree: </b></span><span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;"><b>Business Management (4-yr programme</b>)</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Overall employment rate: 91.1%</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Full-time permanent employment rate: 85.6%</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Gross monthly salary (Mean): $3,348</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;"><br /></span><span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">-Cum Laude and above</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Overall employment rate: 95.3%</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Full-time permanent employment rate: 91.5%</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Gross monthly salary (Mean): $3,854</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;"><br /></span>
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Source: Ministry of Education, Singapore. </span><span style="color: #333333; font-family: Verdana, sans-serif;"><span style="line-height: 20px;">Graduate Employment Survey jointly conducted by NUS, NTU and SMU.</span></span><br />
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<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;"></span><br style="background-color: white; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 15px; line-height: 20px;" />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">The employment rates refer to the number of graduates employed as a proportion of economically active graduates (i.e. graduates</span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">who have entered the labour market) as at 1 Nov 2012 (i.e. approximately 6 months after completing their final examinations).</span><br />
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<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif; font-size: 15px; line-height: 20px;">Find out how it has changed in one year.</span><br />
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<a href="http://www.mywealthmodel.com/2012/05/nus-ntu-and-smu-which-is-better.html" style="color: #6699cc; text-decoration: none;">NUS, NTU and SMU - Which is better?</a></h3>
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<span style="font-family: Verdana, sans-serif;"><a href="http://www.mywealthmodel.com/2012/04/how-much-salary-should-i-be-paid.html" style="color: #33aaff; text-decoration: none;">How much salary should I be paid?</a></span></h3>
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Benjamin Anghttp://www.blogger.com/profile/08136091800952346973noreply@blogger.com2tag:blogger.com,1999:blog-3277871625454310337.post-16244115027100995452013-04-26T19:52:00.000+08:002013-05-09T21:47:36.637+08:00How much does a degree holder earn compared to a diploma holder?<span style="font-family: Verdana, sans-serif;"><b>Online business degrees, private universities, full time local universities</b>, the choices seem endless to pursue further education and earn a degree.</span><br />
<span style="font-family: Verdana, sans-serif;"><br /></span>
<span style="font-family: Verdana, sans-serif;">But a more fundamental question could be <b>is it worth it all to get a degree</b>, especially with horror stories of non accredited universities, degrees that are not recognized, and worst of all, a school closing down when money and effort has been put in. </span><br />
<span style="font-family: Verdana, sans-serif;"><br /></span>
<span style="font-family: Verdana, sans-serif;">And what about successful people you always read in the papers, magazines etc. who flunked examinations and were kicked out of schools?</span><br />
<span style="font-family: Verdana, sans-serif;"><br /></span>
<span style="font-family: Verdana, sans-serif;">So the question begets, <b>how much does a degree holder earn compared to a diploma holder over a lifetime?</b></span><br />
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<span style="font-family: Verdana, sans-serif;">A Bachelor's degree-holder can expect to earn 84% more over a lifetime than one with a high school diploma, according to "The Value of a University Education" on Ministry of Education's website, which quoted a study by Georgetown Centre on Education and the Workforce (<a href="http://cew.georgetown.edu/collegepayoff/">http://cew.georgetown.edu/collegepayoff/</a>).</span><br />
<span style="color: #222222; line-height: 22.09375px;"><span style="font-family: Verdana, sans-serif;"><br /></span></span>
<span style="font-family: Verdana, sans-serif;">It also says that b<span style="color: #222222; line-height: 22.09375px;">eyond private economic benefits, a university education may also </span><span style="color: #222222; line-height: 22.09375px;">fulfill loftier objectives, such as promoting the pursuit of knowledge and holistic development of the individual</span></span><br />
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<div style="color: #222222; line-height: 22.09375px; margin-bottom: 2em; margin-top: 1em; padding: 0px;">
<span style="font-family: Verdana, sans-serif;">In addition, the value of a university education is not reaped by the individual alone. Among other things, access to and attainment of university education creates a pool of resilient workforce for the future economy, promotes social mobility, and yields positive externalities such as social stability and well-being. </span></div>
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<span style="font-family: Verdana, sans-serif;">While substantial private returns may incentivise individuals to pursue a university education on his/her accord, the public benefits, both economic and non-economic ones, also strengthen the case for some public funding of university education to fulfill broader societal objectives.</span></div>
<br />
<span style="font-family: Verdana, sans-serif;">Read more at: <a href="http://moe.gov.sg/feedback/2011/committee-on-university-education-pathways-beyond-2015/the-value-of-a-university-education/">http://moe.gov.sg/feedback/2011/committee-on-university-education-pathways-beyond-2015/the-value-of-a-university-education/</a></span><br />
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<a href="http://www.mywealthmodel.com/2012/02/nus-ntu-or-smu-world-university.html" style="color: #6699cc; text-decoration: none;">NUS, NTU or SMU? - World university rankings</a></h3>
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<br />Benjamin Anghttp://www.blogger.com/profile/08136091800952346973noreply@blogger.com0tag:blogger.com,1999:blog-3277871625454310337.post-69948714383423840262013-03-25T23:17:00.000+08:002013-03-25T23:17:44.529+08:00More than 50,000 page views<span style="font-family: Verdana, sans-serif; font-size: large;">With an interest in writing and money matters, I started this blog to share my thoughts and observations.</span><br />
<span style="font-family: Verdana, sans-serif; font-size: large;"><br /></span>
<span style="font-family: Verdana, sans-serif; font-size: large;">Time flies and now this blog has garnered more than 50,000 page views. </span><br />
<span style="font-family: Verdana, sans-serif; font-size: large;"><br /></span>
<span style="font-family: Verdana, sans-serif; font-size: large;">I hope you have found the content useful.</span><br />
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Benjamin Anghttp://www.blogger.com/profile/08136091800952346973noreply@blogger.com1tag:blogger.com,1999:blog-3277871625454310337.post-77562877446007393162013-01-18T11:56:00.001+08:002013-01-18T11:56:50.155+08:00Case closed - WPG Group, T3B<span style="font-family: Verdana, sans-serif;">My past few entries have been about my encounter with T3B.</span><br />
<span style="font-family: Verdana, sans-serif;"><br /></span>
<span style="font-family: Verdana, sans-serif;">I was finally contacted shortly after my last entry and had a meeting with Keane Lee and his staff.</span><br />
<span style="font-family: Verdana, sans-serif;"><br /></span>
<span style="font-family: Verdana, sans-serif;">They explained why there was a delay and have settled the matter. </span><br />
<span style="font-family: Verdana, sans-serif;"><br /></span>
<span style="font-family: Verdana, sans-serif;">This is neither a condemnation nor endorsement. </span><br />
<span style="font-family: Verdana, sans-serif;"><br /></span>
<span style="font-family: Verdana, sans-serif;">I consider this the end of my experiment and the matter closed.</span><br />
<span style="font-family: Verdana, sans-serif;"><br /></span>
<span style="font-family: Verdana, sans-serif;">As usual, before parting with your money. </span><br />
<span style="font-family: Verdana, sans-serif;">Keep both eyes open, ask lots of questions, and keep documentary proof.</span><br />
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<br />Benjamin Anghttp://www.blogger.com/profile/08136091800952346973noreply@blogger.com4tag:blogger.com,1999:blog-3277871625454310337.post-40533290806253063822012-11-13T00:04:00.002+08:002012-11-13T00:05:25.036+08:00WPG Group, T3B, WPG Hotel Group - ask more questions before you invest<span style="font-family: Verdana, sans-serif;">Some readers were searching for <b>whether t3b system works</b> when they found my blog. Of course, my previous entry was: </span><br />
<h3 class="post-title entry-title" style="background-color: white; color: #333333; font-weight: normal; margin: 0px; position: relative;">
<a href="http://www.mywealthmodel.com/2012/11/can-you-trust-t3b-trading-system-keane.html" style="color: #6699cc;"><span style="font-family: Verdana, sans-serif; font-size: small;">Can you trust T3B Trading System, Keane Lee, WP Global Group, WPG Hotel Group ?</span></a></h3>
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<span style="font-family: Verdana, sans-serif;">I think more important than whether the system works (which it doesn't work as well as claimed) is whether a company is<b> trustworthy, reliable and honest</b> when dealing with customers or clients.</span></div>
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<span style="font-family: Verdana, sans-serif;">As mentioned in my previous entry, I've made it very clear that <b style="background-color: white; color: #333333; line-height: 25px;">T3B made a false statement to The Straits Times</b><span style="background-color: white; color: #333333; line-height: 25px;"> in</span><span style="background-color: white; color: #333333; line-height: 25px;"> </span><span style="background-color: white; color: #333333; line-height: 25px;"><b><i>"Sure-win schemes not a sure thing", The Straits Times, 28 Oct 2012</i></b></span><b style="background-color: white; color: #333333; line-height: 25px;">.</b><span style="background-color: white; color: #333333; line-height: 25px;"> I've emailed <b>Keane Lee</b> himself, yes the <b>"Chairman" of "WP Global", the "Group Chairman" of "WPG Hotel Group" and also the "Founder" of "T3B System"</b> to highlight the inaccuracy and to seek clarification. Surprise.. surprise.. (or not).. he did not reply. I wanted to know whether the false statement was due to some <b>slip up</b>, <b>incompetency </b>of the person who was authorised to speak to the press and did not find out the facts of the issue, or was it simply <b>plain dishonesty and a lie</b>. But no reply, which is quite consistent with the delaying tactics and ignoring of emails he and <b>T3B </b>have responded to my queries, I guess.</span></span></div>
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<span style="background-color: white; color: #333333; line-height: 25px;"><span style="font-family: Verdana, sans-serif;"><br /></span></span></div>
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<span style="background-color: white; color: #333333; line-height: 25px;"><i><span style="font-family: Verdana, sans-serif;"><b>More on T3B system later and how the company and Keane Lee himself suddenly stopped replying to my emails when presented with documentary proof. </b></span></i></span></div>
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<span style="background-color: white; color: #333333; line-height: 25px;"><span style="font-family: Verdana, sans-serif;"><br /></span></span></div>
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<span style="font-family: Verdana, sans-serif;"><span style="line-height: 25px;">I read with interest how now WPG Hotel Group is sharing investment opportunities in Myanmar and is inviting "investors to </span><span style="background-color: white; line-height: 20px; text-align: center;">come on a journey to </span></span><br />
<a name='more'></a><span style="font-family: Verdana, sans-serif;"><span style="background-color: white; line-height: 20px; text-align: center;">experience their philosophy in wealth creation and to capitalize on this unique; and highly lucrative opportunity in Myanmar". More words like "substantial profits" and "passive income" appear on its website.</span></span></div>
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<span style="font-family: Verdana, sans-serif;"><span style="background-color: white; line-height: 20px; text-align: center;"><br /></span></span></div>
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<span style="font-family: Verdana, sans-serif;"><span style="background-color: white; line-height: 20px; text-align: center;">I was concerned initially when I read online about a Myanmar newsmedia which reported about WPG Hotel Group and carried the following information "</span></span><span style="background-color: white; line-height: 23px; text-align: justify;"><span style="font-family: Verdana, sans-serif;"><i><b>A check with a senior officer of the Myanmar Investment Commission and Ministry of National Planning and Economic Development said that as of September 24, no application from WPG to invest in hotels in Naypyitaw have been submitted</b>." </i></span></span></div>
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<span style="background-color: white; line-height: 23px; text-align: justify;"><span style="font-family: Verdana, sans-serif;"><i><a href="http://www.elevenmyanmar.com/tourism/798-singapore-group-to-build-new-hotels-in-capital">http://www.elevenmyanmar.com/tourism/798-singapore-group-to-build-new-hotels-in-capital</a></i></span></span></div>
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<span style="background-color: white; line-height: 23px; text-align: justify;"><span style="font-family: Verdana, sans-serif;"><i><br /></i></span></span></div>
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<span style="font-family: Verdana, sans-serif;"><span style="line-height: 23px;">But since then on WPG Hotel Group's website, they have a one line caption and some pictures of the "groundbreaking session".</span></span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><span style="line-height: 23px;"><br /></span></span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><span style="line-height: 23px;">It may indeed be a good investment opportunity, but I would strongly suggest you ask more questions before parting with your money. Take a look at the legal documents and ask more questions. </span></span></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><span style="line-height: 23px;">And if you do invest with them, pray hard that everything goes well. Because if anything is amiss, if my experience with <b>Keane Lee and T3B</b> is anything to go by, be prepared for <b>delays and non-response</b> to your emails even if you have documents and proof to back it up and <b>despite any commitments or even "guarantees"</b>. And if they can do that for an issue of only a few thousand dollars, good luck if it involves tens or hundreds of thousands of dollars!</span></span></div>
Benjamin Anghttp://www.blogger.com/profile/08136091800952346973noreply@blogger.com4tag:blogger.com,1999:blog-3277871625454310337.post-53940835681139702752012-11-05T23:35:00.002+08:002012-11-07T14:11:15.862+08:00Can you trust T3B Trading System, Keane Lee, WP Global Group, WPG Hotel Group ?<span style="font-size: large;">If you are reading this, you are likely looking for a <b>review</b> as you have most probably come across <b>T3B Trading System, WPG Hotel Group, and/or WPG Group</b>. You would probably know that <b>Keane Lee</b> is the Chairman and founder.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">You may have been offered investment opportunities that offer incredible returns and passive income and....... (<i>fill in the blanks</i>). </span><br />
<span style="font-size: large;">And you are wondering whether that is a <b>good investment opportunity</b> or whether these are <b>dubious scams</b>. </span><br />
<span style="font-size: large;"><br /></span><span style="font-size: large;">I don't know which is the correct answer, but I will say think really hard before parting with your money. You may want to read "Sure-win schemes not a sure thing", The Straits Times, 28 Oct 2012.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">In that article, <b>T3B made a false statement to The Straits Times</b>. Can you trust a company or someone if it/he <b>gives a false statement to the media</b>?</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;"><b>More information and evidence will be revealed</b> about the <b>false statement T3B, one of the companies under the WPG Group as listed on its website, made to The Straits Times,</b> and how instead of answering questions and living up to their word and commitment, it has chosen a path of <b>delaying tactics and ignoring emails</b>.</span><br />
<br />Benjamin Anghttp://www.blogger.com/profile/08136091800952346973noreply@blogger.com1tag:blogger.com,1999:blog-3277871625454310337.post-14214603306452768552012-10-10T22:32:00.000+08:002012-10-10T22:32:02.289+08:00Public Speaking - Enjoy the Experience<div class="MsoNormal" style="background-color: #fafafa; color: #333333; font-family: 'Helvetica Neue Light', HelveticaNeue-Light, 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 14px; line-height: 21px; margin: 0in 0in 0pt; outline: none; padding: 0px; text-align: justify;">
<span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">I had the privilege of speaking at a conference on insurance in <st1:place w:st="on"><st1:city w:st="on">Jakarta</st1:city></st1:place> this year. While it was not the first time I had spoken at a conference, it was particularly nerve wrecking because I was speaking at a conference full of industry veterans and experts, including country and regional CEOs. The Chairman of the conference who introduced me had spent 39 years (and counting) in the industry, which is longer than I have been alive. Imagine that!</span><span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;"><o:p></o:p></span></div>
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<span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">Thankfully, everything went well and it was extremely satisfying when those experts came up to me and said they benefitted from my presentation. So here are three simple pointers that I had remind</span><span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">ed</span><span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;"> myself of during my preparation, which could be useful to you.</span><span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;"><o:p></o:p></span></div>
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<b><span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">Preparing mentally</span></b><b><span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;"><o:p></o:p></span></b></div>
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<span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">I reminded myself that there was a reason why I was asked to speak. While the delegates were executives and management staff of insurance companies, as an ex-insurance agent/adviser with eight years of experience, I had “on-the-ground” experience that most of them did not have. Once I got over the mental hurdle that there was a reason for my presence, things became much easier as I no longer felt as anxious as before and could prepare for my presentation the way I had always done.</span><span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;"><o:p></o:p></span></div>
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<span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">So the next time you are worried about having to speak in public, it could be useful to remind yourself why you are there. Perhaps you are the most senior, maybe your job requires it, or maybe you are just a student and it is part of your grading requirements. Whatever it is, there is a reason why you are doing it. Come to terms with it and learn to enjoy the experience.</span></div>
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<b><span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">Share, don’t preach</span></b><b><span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;"><o:p></o:p></span></b></div>
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<span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">In this instance, it was easy for me. There was no way I could have “preached” to those CEOs and tell them what they should do. They wouldn’t have let me either. Why would anybody with more experience than I am alive listen to me? But as mentioned earlier, what I had was on-the-ground experience that most of them did not have. I shared with them my experience as <a name='more'></a>an agent then, what agents would like in terms of support from the companies, and what the fears of agents are. Things they might not hear much of from their management staff.</span><span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;"><o:p></o:p></span></div>
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<span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">That is true for anyone in general. Most wouldn’t want to be told what to do. So the next time you are speaking, I suggest you think more of how you can share your experience, perhaps offer suggested solutions, but don’t “tell” people what to do.</span></div>
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<b><span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">Practice, </span></b><b><span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">P</span></b><b><span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">ractice, </span></b><b><span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">P</span></b><b><span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">ractice:</span></b><b><span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;"><o:p></o:p></span></b></div>
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<span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">Finally, practice, practice, practice. Once you have thought about what you are going to speak about, practise, and then practise some more. Is it within the time you are given? Do you know what key points you would be emphasising, and where you would be pausing? The more you practise, the more familiar you would be with your presentation, and the more confident you would be.</span></div>
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<span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">And it is not just for that one speech or presentation. Even if I had messed up my presentation (luckily I didn’t!), you can be sure that if the next opportunity arises, I’d still be up for it. Over time you will know whether you tend to speak too fast when you are nervous, how much (or little<a href="http://www.blogger.com/null" name="_GoBack" style="-webkit-transition: color 0.3s; color: #f37a86; display: inline; font-family: 'Helvetica Neue Light', HelveticaNeue-Light, 'Helvetica Neue', Helvetica, Arial, sans-serif; outline: none; text-decoration: none;"></a>) you can remember when you are on stage and your strengths and weaknesses, and improve along the way.</span><span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;"><o:p></o:p></span></div>
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<span lang="EN-SG" style="font-family: Arial, sans-serif; font-size: 12pt; line-height: 24px;">Take every speaking opportunity as a learning experience, and enjoy the experience!<o:p></o:p></span></div>
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<i><span lang="EN-SG" style="color: black; font-family: Corbel, sans-serif; font-size: 13pt;">B</span></i><i><span lang="EN-SG" style="color: black; font-family: Corbel, sans-serif; font-size: 13pt;">y <b>Benjamin Ang</b></span></i><i><span lang="EN-SG" style="color: black; font-family: Corbel, sans-serif; font-size: 13pt;"> </span></i><i><span lang="EN-SG" style="color: black; font-family: Corbel, sans-serif; font-size: 13pt;"><o:p></o:p></span></i></div>
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<b><span lang="EN-SG" style="color: black; font-family: Corbel, sans-serif; font-size: 13pt;">Benjamin</span></b><span lang="EN-SG" style="color: black; font-family: Corbel, sans-serif; font-size: 13pt;"> has a Bachelor of Business Administration and holds the designations of Associate Financial Consultant (AFC) and Associate Estate Planning Practitioner (AEPP). He writes about wealth matters to share financial knowledge with the public and also writes regularly on living a fulfilling life and experiencing all the wonderful things that life has to offer. To find out more about Benjamin,</span><span lang="EN-SG" style="color: black; font-family: Corbel, sans-serif; font-size: 13pt;"> visit </span><span lang="EN-SG"><a href="http://www.benjamin-ang.com/" style="-webkit-transition: color 0.3s; color: #f37a86; display: inline; outline: none; text-decoration: none;"><span style="font-family: Corbel, sans-serif; font-size: 13pt;">http://www.benjamin-ang.com/</span></a></span><span lang="EN-SG" style="color: dimgrey; font-family: Corbel, sans-serif; font-size: 13pt;">.</span></div>
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<span style="color: dimgrey; font-family: Corbel, sans-serif;"><span style="font-size: 17.77777862548828px;">This entry was written for and first appeared on the blog of Volunteers@CDAC. It can be found at </span></span><a href="http://cdacvolunteers.blogspot.sg/2012/09/public-speaking-enjoy-experience.html" style="background-color: #fafafa; line-height: 21px;">http://cdacvolunteers.blogspot.sg/2012/09/public-speaking-enjoy-experience.html</a></div>
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Benjamin Anghttp://www.blogger.com/profile/08136091800952346973noreply@blogger.com1