Financial Planning with Pat

Celebrations come after perspirations.

And it’s a wrap! Team XSM at the annual inaugural Manulife Advisory Group Awards Night 2024. Congratulations for @fattymummy for clinching #mdrt2023!! A big thanks to all our clients for your friendship and unwavering support that makes our journey ever so sweet and meaningful! @fattymummy @bbelyndaz @michlow23 @19jianwen91 @financial_planning_with_pat #financialplanning #insurance #manulife #success #instatrend

Financial Planning 101

Essentially, treatment for cancer is no longer “As Charged” for all Integrated Shield Plans from 1st April 2023 and henceforth renewed from the date onwards.

Doing our small part in providing some reliefs to the victims of the earthquake. We are in the midst of consolidating the items needed.

Do let us know if you have any of the above items that you might so kindly wish to donate for the cause.

Finally some good news that hopefully brings some relief to rising inflation rates.

Global supply chains poised for relief as ship congestion eases Vessels waiting to load off U.S. West Coast drop to less than 10th of peak

Some FAQs we often come across…

“If my Personal Accident Plan covers me even while Im overseas, why do I still need to buy Travel Insurance?”

“If I just drive to Malaysia, even if it’s just a day trip to Johor Bahru, do I still need to get Travel Insurance?”

Perhaps, this article can shed some lights.

Travel Insurance Singapore: Is It Necessary To Buy Travel Insurance? Do I need travel insurance? There are certain things travel insurance covers that medical insurance doesn’t – and the costs of such incidents can be insane.

Had the pleasure of speaking to fellow wealth managers and eager audience looking to join us in this industry.

Hope my sharing created some inspirations and looking forward to them becoming new colleagues!

Photo credits : fellow team mate and AVP

It’s good to have savings in your bank account. But the $10,000 sitting in your bank account since a year ago probably worth around $9,517 now…

Cash is King? Or are you holding on to too much Cash?

Singapore’s core inflation hit its highest level in more than 13 years in May. A breakdown of rising prices: https://cna.asia/3xKprM1

Though not reported on daily basis like Covid19, deaths from cancer has always been one of the highest in Singapore.

Key is really about maintaining healthy lifestyles in the form of balanced diet and regular exercises.

It is also suggested to go for regular healthscreening (preferably with your family/regular GP), especially when you are 40 years and older.

Solutions to safeguard yourself will include
1. H&S insurance plan aka Health Insurance - to cover for treatments like surgeries, radiotherapy, chemotherapy, etc.
2. Comprehensive Critical Illness coverage - to compensate for your loss of income.

Did you know that colorectal cancer is the most common cancer affecting men in Singapore?

The good news is, about a third of all cancers can be cured if they are detected and treated early.

That is why regular health check-ups and cancer screenings are important.

For more info, visit http://go.gov.sg/men-cancer

Pretty and practical stuffs from !

Buying from them not just to support them. You are also treating them as equal and celebrating their talents!