Huang Ming Fei Jayden

When we were kids, our teachers never taught us about the lies regarding money. Today, I want to share with everyone the truths about money that we might usually overlook!

小時候老師從來沒教導我們有關於金錢的謊言，今天我跟各位分享平常我們可能忽略有關金錢的真相！
#新加坡投資規劃 #理財 #金融理财

如何在5年內變富裕
How to become wealthy in 5 years

Assets buy you freedom

Your goals and hurdles

Your goals and hurdles 🤔🫣

🇸🇬新加坡作為一個國際知名的城市國家，擁有許多吸引人的優點：

1.**多元文化**：新加坡是一個多元文化的融合體，匯集了華人、馬來人、印度人和其他民族的文化。

2. **經濟穩定與商業友好**：新加坡以其穩定的經濟、低稅率和商業友好環境而聞名，是許多跨國公司在亞洲的首選據點。

3.**高質量的生活水平**：新加坡提供高質量的生活條件，包括世界一流的醫療設施、教育系統和公共服務。
4. **交通便利**：新加坡擁有高效的公共交通系統，包括廣泛的地鐵和公共汽車網絡。

5. **安全**：新加坡是世界上最安全的城市之一，犯罪率極低。

1，百萬醫療保險💉
新加坡有句話說：能死不能病
新加坡的消費常常榮登世界第一貴稱號！
當然醫療費也是高的驚人！所以我們來新加坡安居樂業的第一步就是把潛在的財務風險轉移給保險公司，確保我們的錢不會因為生病而全部交給醫院

新加坡醫療保險很複雜但也可以很簡單
簡單就是新加坡醫療保險就是分你要私人政府醫院都可以去單人房

還是有預算，退而求其次政府醫院單人房
只要待在醫院有預定到病床超過6個小時或是需要手術（日間手術不用住院也有包含）
那前後手術不管門診項目跟檢查一律在上限內我們都可以報銷實支實付
*有些保險公司有自付額部分，保費會隨著年紀增加

2.意外險 😯
是補足醫療險不足部分-例如門診當燙傷割傷需要去診所包紮
或是跌倒扭傷骨折去門診中醫推拿或是針灸牙齒撞到缺角或是斷裂
都可以使用意外險理賠實支實付（完全不需要住院就可以理賠門診部分）
（也包含可能會有的腸病毒，食物中毒和登革熱蚊蟲咬傷）
基本一年保費最低$96起 也可以選擇其他保障較高的Plan
*保費不會因為年齡或是男女有分別主要是看職業級別，意外死亡保額和附約配置有區別

3.重疾險👨🏻‍⚕️
醫療險和重疾險的區別
簡單概括，醫療險報銷住院醫療費，花多少賠多少；重疾險確診一次性全額賠付。醫療險是報銷型產品，重疾險是給付型產品。主要有如下區別
保障對像不同：醫療險保障醫療費，重疾險保障的是保險合同約定的病種
醫療險保障的是實際花費的醫療費。醫療險是醫保的補充，可以覆蓋醫保外醫療費報銷，減輕被保險人在醫療費上的經濟負擔，達到患病不掏錢或少掏錢的目的。
重疾險又分為終身和定期，有現金價值和無現金價值消費型！

4.人壽保險😇
對於有家庭有小孩的人士，人壽保險尤其重要！
相對於重疾險，人壽保險也比較簡單，因為它只保障身故，多數人會再加上一個永久失能保障的附加險
定義：受保人身故時進行賠償！前者主要用於保障家庭“經濟支柱"意外身故情況下，其他家庭成員的正常生活；後者則更適用於財富傳承！新加坡的定期壽險的保費，相對於其他國家和地區是
保費更便宜，可選保額更高！例如：30歲健康男子無抽菸，保額＄1M 保費只要＄621.6（槓桿效益1608倍）
除外條件較少，僅保單生效一年內自殺不予賠付，因其他任何原因身故都保
如果受保人患絕症（被診斷生存時間不超過12個月），也可提前獲得身故賠償！

🌟 Grateful for today's training session! 🌟

Huge thanks to our trainer for delivering such a comprehensive and well-structured program. 🙏💼 It was truly enriching to delve into the intricacies of financial advising and gain valuable insights to better serve our clients. 💡💰 Feeling inspired and equipped to take on new challenges in the ever-evolving world of finance. Here's to continuous learning and growth! 🚀

Grateful for this incredible team. Together, we make the journey not just bearable, but beautiful. Here's to teamwork and shared success! 🙌

SingaporeFinance

https://youtu.be/p0m6Sw5_uMc?si=ZhdPjfRO2nA7y6ql

My Final Farewell Before I Die At 29, in the face of a life cut short due to a rare form of ovarian cancer, Michelle ‘Mike’ Ng held a living funeral to gather her loved ones while she was ...

We often think we don't need insurance now, let's wait until we have money to talk about it later. But we didn't expect that in the future, premiums may also increase.

•
When we are young,
Because of generally good health or economic considerations, we may think it's okay to buy later, rejecting the idea before understanding it.
However, it's easy to overlook that as time passes,
premiums may become higher due to various factors, and there may even be a possibility of being denied coverage

In fact, debts can be categorized into 'good debt' and 'bad debt'!
As long as you can distinguish what your debts are, you can manage them easily and even use good debt to create more assets!

It's important to prioritize repaying 'bad debt' to avoid impacting your credit score in the future.

Do you currently have any loans? Feel free to share your thoughts on debt!

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