tag:blogger.com,1999:blog-35929509602918054032011-09-29T05:11:25.879+08:00For the Love, Passion and Commitment to the most important people in our Lives.. Most importantly.. Have FUN!<br> <a href="http://www.topsites.sg/"><img src="http://www.topsites.sg/images/80x15.gif" align="right" alt="Singapore Directory" border="0"></a>Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.comBlogger1521100tag:blogger.com,1999:blog-3592950960291805403.post-68906123530925473232011-09-29T04:56:00.002+08:002011-09-29T05:00:18.156+08:00

Hi guys, Just want to share with you my itinerary during my recently concluded trip to Taiwan. I must say I miss it so much that as I write this post, beautiful memories keep flowing back into my mind.. Day 1 Arrival at Taoyuan International Airport - We took Kuo Kuang bus all the way to Taipei train station. Scenery was beautiful but I couldn't open my eyes all the way to see it. I took a

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0Hualien County, Taiwan23.7568986 121.3541631000000523.1205176 120.96067610000006 24.3932796 121.74765010000004tag:blogger.com,1999:blog-3592950960291805403.post-63794812206665501002011-09-27T09:26:00.005+08:002011-09-28T00:53:42.638+08:00

Dosai... One of the many rich foods in Bombay, India.

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-62788402393873118252011-09-26T09:00:00.017+08:002011-09-26T09:00:02.849+08:00

Specially negotiated hotels are discounted up to 70% in great destinations worldwide. Do not miss out on these great deals as they are only on offer for a limited time. Book your discount hotel today with instant confirmation ! BIGGEST HOTEL SALE!On 2000+ hotels Up to 70% OffNO FEES!

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-86455065629846713982011-09-25T09:41:00.006+08:002011-09-28T03:07:00.331+08:00

Hong Kong summers: so much to look forward to. Hit the beach Popular Hong Kong beach Shek O1. With more than 100 beaches in Hong Kong, it is possible to go to a different one for every day of summer. Start with 7 of Hong Kong's best beaches. 2. After hibernating all winter, you may want to get some pre-tanning action in rather then turn up for the first beach day of the season looking like

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-61154103198354751032011-09-24T05:32:00.001+08:002011-09-24T05:33:28.276+08:00

Whenever I mention the word "Bangkok" to my friends, food, shopping, ladyboys come to my mind. This capital city of Thailand has successfully branded herself as one of the main shopping destinations in Asia. Here's why:1. MBK Center MBK or Mahboonkrong is a huge shopping complex with eight floors and has around 2000 shops. Knock off items, leather goods and electronics are the most common

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-49089915038043553152011-09-22T00:28:00.003+08:002011-09-24T04:40:14.037+08:00

It's that time of the year again, when Singapore is roaring with anticipation for the 2011 Singapore F1,from 23 to 25 September. Besides catching all the race action and concert headline acts, visitors and locals alike can take the opportunity to check yourselves in for a staycation over the F1 weekend. With just a few more weeks to the Singapore Grand Prix, we find the best hotels to catch

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-54642697680465279142011-09-21T02:59:00.000+08:002011-09-21T02:59:47.544+08:00

Pack Light 1. Packing Light -- As in "CARRY ON ONLY". Avoiding luggage fees is one major point; you also save time upon departure and arrival by not checking-in bags and/or claiming them. Taxis and shuttles sometimes charge you excess baggage fees, so this makes sense in a number of ways.And if you happen to buy a few things overseas (who doesn't?), it helps to leave a little extra baggage

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-24221551657928564352011-02-22T05:14:00.000+08:002011-02-22T05:14:24.524+08:00

Gov says "Scrap scheme for siblings to buy flats"... and so we listen and obey. Read the story... Another group of buyers just flew out of my hands.. just like that.. Well.. I just got to work around government's policies and see how things come along. At least, there is still work to be done. :)

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-23061004003612741182010-12-20T14:03:00.000+08:002010-12-20T14:03:19.983+08:00

The recent rise in the property market has added worry to those who has yet to own a home. To many people, especially the young families, will find it increasingly challenging to save enough for the downpayment of a house. If you belong to this category and wonder what can you do to put yourself closer to the reality of owning a house, there is a link which I want you to read. http://

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-6992962638781246972010-12-17T12:05:00.000+08:002010-12-17T12:05:01.563+08:00

You can equip your children with money management skills to give them a head-start in life. Once they understand the importance and have mastered the skills of making ends meet, they can achieve financial independence at an early age. With that comes personal accountability for their actions. You may think that your children are too young to learn money management skills, but the truth is that

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com1tag:blogger.com,1999:blog-3592950960291805403.post-62991136972938455762010-12-06T14:36:00.001+08:002010-12-06T14:38:48.198+08:00

Recent studies have shown that more bankrupts owe larger sums and more people under 30 are facing this situation. From Jan 1 to April 24, 621 people owing about $224 million in total were made bankrupt. This means each had an average debt of $360,000. Q: What does it mean to be bankrupt? Many are unaware that it comes with several restrictions on one’s personal freedom and that it has

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-50572808524077049612010-12-01T11:36:00.002+08:002010-12-01T11:37:59.319+08:00

According to the Singapore Residential Price Index (SRPI) of the National University of Singapore (NUS), non landed homes in the private sector saw a decrease of 0.7% after a consecutive increase of 1.1% in August and September. Going forward, experts say that mass market homes should moderate further given the large supply of development sites being opened up for Government land sales. However

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-18052065509304547372010-11-25T17:42:00.000+08:002010-11-25T17:42:29.747+08:00

Members of Parliament have approved harsher penalties for foreign property speculators, but asked the government to crack down even more. MPs noted that home ownership is a big issue for many Singaporeans, and further measures to restrict foreigners in the local market should be implemented. This issue came up during a debate over the proposed changes involving foreign ownership of landed

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-81281669038233309992010-11-22T10:39:00.010+08:002010-11-22T22:02:38.623+08:00

Budgeting might seem easy for most people. But do you take reference from your Bank balance only? This could prove very dangerous! This video will show you why...

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-86354628846104601742010-11-20T13:31:00.000+08:002010-11-20T13:31:06.315+08:00

Asia’s macroeconomic conditions are expected to see supportive growth next year, said the Ministry of Trade and Industry. However, the MTI cautioned that while household demand will continue to grow, the strength of the recovery could be hindered by weak household balance sheets and high jobless rates. MTI also expects domestic demand in Asia to remain robust, supported by wage growth, healthy

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-88318460956243890992010-11-19T12:20:00.000+08:002010-11-19T12:20:55.946+08:00

This video is very old school. Depicts how your attitudes will affect your health. Watch it and hopefully it speaks out to each individual one of you, my friends.

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-43820048803050278562010-11-13T12:05:00.002+08:002010-11-13T12:05:00.394+08:00

Internal controls Even with the best of intentions and strong confidence, bad investment decisions can easily happen. Experts therefore often recommend that internal controls be set up to serve as a guide for the optimal investment of family funds, as well as to reasonably mitigate risk and provide assurance, in accordance with the family's expectations. Certain individuals in the family

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-73644335724804120322010-11-12T11:59:00.000+08:002010-11-12T11:59:00.480+08:00

Establishing Philosophies in Lifetime Plan There are typically two main attitudes family members may adopt with regard to inherited wealth. On the one hand, there are those who view the inheritance as something passed on to them for their personal use, and are comfortable with the fact that the financial legacy may end with them. And then there are others who hold the view that the inheritance

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-24527707323008380142010-11-11T23:53:00.001+08:002010-11-10T00:04:54.879+08:00

Understanding your Family's Past Family lifetime plan experts point out that there is a greater need than before for family members to have a strong collective commitment and understanding on how to manage inherited wealth today, in view of the more complex financial landscape. A starting point could be inculcated by creating an awareness of the past lifetime plan - family stories, particularly

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-74231271732918461882010-11-10T00:04:00.000+08:002010-11-10T00:04:38.826+08:00

Fellow SINGAPOREANS slog long every day and spend much energy drawing up a lifetime plan thinking about how best to grow their money, not just for better-quality lives but also to provide for the next generation. Singaporeans do have sound lifetime plans and have generally been quite successful in accumulating wealth. A recent Credit Suisse wealth report showed that Singapore is the

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-34847126649651656752010-11-09T11:13:00.000+08:002010-11-09T11:13:38.391+08:00

"I'm so fat! I wana lose weight! I am not slim enough!" Girls (and some guys!!) are guilty of these. A seemingly harmless attempt to lose weight might mean detrimental health symptoms in our own body. We just don't know what is happening inside us. Take this test and find out for yourself if you are in danger... http://msn.shoppinglifestyle.com/sg/quiz/eatingdisorders/

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-53805812734098533122010-11-02T20:31:00.000+08:002010-11-02T20:31:16.837+08:00

"YAWN!! Not this topic again! Just now you were saying that the restaurant was good.. shall we...." and the topic changes faster than a Lamborgini speeding past you. Let's see how unbearable it really is? Or is there more that meets the "ears"? http://business.asiaone.com/Business/My%2BMoney/Starting%2BOut/Insurance/Story/A1Story20101025-244033.html

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-9066492783298002372010-10-29T15:15:00.003+08:002010-10-29T16:30:44.246+08:00

What is being Financially Stable and Financially Secure? Do they mean the same thing? Is having one of it enough for us? I had a friend who asked me," Hey, Steven. I am earning a very comfortable amount every month and I save 50% of my income. Is it enough for me to be financially secure? Or at least stable? " What do you think? We shall look at the definitions below Financially STABLE Live

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-32056165834517155662010-10-27T16:39:00.000+08:002010-10-27T16:39:05.651+08:00

A cranky song composed by someone on YouTube. Makes a lot of sense though. Watch it. ~ Buy Now ... Pay Forever...

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-25867110617693719422010-10-25T21:30:00.002+08:002010-10-27T17:01:11.065+08:00

Price of Procrastination Above link is a chart that discuss the advantages of buying insurance at a younger age The chart takes into consideration several fixed and variable components. 1. The younger you start, the lesser you pay 2. Annual premium – younger age is perceived as healthier hence lower premium 3. Cash Value – Janet’s premium has a longer compounding time 4. Due to the lower

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-52062492768440999662010-09-01T13:04:00.000+08:002010-09-01T13:04:20.438+08:00

3 Policies, NO Coverage Article In the newspaper article attached, Theresa Tan is unaware that her 3 insurance policies bought from Prudential do not cover her for early stage breast cancer. She is an advocate of insurance protection and is now adamant to increase awareness and empower women on breast cancer and insurance protection. Please share this with women within your reach, since the

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-36775215010047693172010-08-25T14:08:00.000+08:002010-08-25T14:08:00.315+08:00

Finally , read up on financial matters. Sharpen your financial IQ by reading more about personal finance and attending personal finance seminars. You can learn from experts to help you stay on the right track financially. Good luck and we hope all your financial dreams come true!!

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-48092474811931603602010-08-23T14:05:00.000+08:002010-08-23T14:05:00.233+08:00

GET INSURANCE COVERAGE You'll never know what's going to happen, but it pays to be prepared always. Take out a life insurance policy if you have dependents. Buying life insurance while you are young also means paying for lower premiums. If your company does not give free health insurance, make sure you get one for yourself. Even if your company has one, get a personal one for yourself as it

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-3899045069403184022010-08-21T14:03:00.001+08:002010-08-21T14:03:00.276+08:00

Once you have saved up enough money for an emergency fund, tackle your other savings goals. Save for that car or dream home in the future. Don't forget to start saving for a retirement fund because the earlier you do it, the better as compound interest will make your money earn even more without you doing anything. To give your savings a kick (in terms of growth), look into investing them in

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-64921953544756396722010-08-19T00:56:00.000+08:002010-08-19T00:56:11.373+08:00

EMERGENCY FUND Save up for an emergency fund. Make this your priority for saving. Build up a fund equal to three to six months' worth of your expenses so that if anything happens-you lose your job or get sick-you can have a fund to dip into to help you in your day-to-day expenses. Don't touch this fund unless there's an emergency (thus the name). You can put this fund in a time deposit or

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-67027414794939568052010-08-17T13:52:00.000+08:002010-08-17T13:52:00.787+08:00

MONTHLY SPENDINGS (that's the great part about working!!) Once you have a firm job offer, draft a budget to help you plan your monthly spending. With a new job, you will have a steady income coming in. Start by saving first (see below), then allot amounts for regular expenses such as food, transportation, clothing, and others. Live within your means. Open a separate bank account for savings,

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-2197729790582772152010-08-15T10:50:00.001+08:002010-08-15T10:50:00.441+08:00

JOB HUNT Look for a job that will use your skills, give you room for growth, and will give you steady income enough to meet your needs and allow you to save. The job market is very competitive but that does not mean that you should grab the first job opportunity that comes by. Weigh the pros and cons of each job offer and choose wisely. If the job offer comes with additional benefits such as

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-10473575267678957402010-08-13T10:47:00.002+08:002010-08-13T10:47:00.703+08:00

Define your financial goals. What do you want to have in the future? Write down your goals and a general timetable so you can remind yourself of your goals later on. Some good goals are: having a car in three years' time, enrolling in graduate school in five years' time, establishing an emergency fund within a year. By having a timetable, your goals become more realistic and attainable.

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-12404203006888473572010-08-11T00:45:00.000+08:002010-08-11T00:45:13.128+08:00

Singapore to become Asia's fastest-growing economy - Singapore Property Market News

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-83535834822527970922010-08-10T23:06:00.000+08:002010-08-10T23:06:27.406+08:00

The latest list of Forbes wealthiest individuals and families in Singapore indicated that the top 40 richest Singaporeans are now worth US$45.7 billion (S$62 billion), up by 17 percent from US$39 billion in 2009. The list is made up of popular entrepreneurs, business leaders and philanthropists. In the number one spot again this year is the family of the country’s richest man and late property

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-77703434850325063772010-07-06T00:09:00.000+08:002010-07-06T00:09:10.598+08:00

Hi My Dear Friends, Its been a long time since I updated my site. It's been a busy month and I believe you all feel the pressure too... especially when I realised that costs are rising in Singapore. Food, Entertainment and Housing. I have been searching for information on financing a home in Singapore. I was shocked to see the amount of cash that I will need to prepare before I can even enter

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-51123070658954127792010-05-18T11:52:00.000+08:002010-05-18T11:52:00.634+08:00

I have been feeling ache around the bottom of my spine area while riding. I wanted to find out why and how I could solve it. So I Googled it and Walla!! This is for all my friends out there who are as "old" as me! While Driving Some people have their seats reclined too far back while driving, said Ms Sylvia Ho, the principal physiotherapist at Core Concepts. Such a posture means your head is

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-42460441475545183622010-05-13T23:39:00.000+08:002010-05-13T23:39:30.790+08:00

For my dear friends who have been working overtime during this peak work period, this is FOR YOU! PARIS - People who work three hours or more of overtime per day run a 60-percent higher risk of bad heart problems compared to those who work regular hours, a study was published in the European Heart Journal. The findings came from a long-term research project into 6,014 British civil servants

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-74090378339695239882010-05-01T01:36:00.001+08:002010-05-01T01:38:40.935+08:00

http://health.asiaone.com/Health/Wellness%2B%2540%2BWork/Story/A1Story20100312-204259/2.html

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-83462515816250382232010-04-25T12:49:00.001+08:002010-04-25T12:49:00.266+08:00

Making the conscious decision to save is crucial. But it is only the beginning of many more - equally critical - decisions that will have to be made. The next question then is, where best to put your money? Last year, a Citibank survey of 318 respondents showed that Singapore residents were equally likely to park their extra cash in conservative products as in riskier ones. A total of 54 per

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-36240792996483713442010-04-20T13:42:00.002+08:002010-04-20T13:42:00.642+08:00

Smart DAILY Budgeting Tips! NECESSITIES Save electricity and reduce your utility bills by unplugging your appliances. Appliances do draw a small amount of power constantly even if they are not turned on. Switch to energy-efficient or energy-saving products. Switch to house brands. Make a shopping list to reduce the chances of impulse buying. TRANSPORTATION Avoid taking cabs and opt for

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-72505210243987050702010-04-17T10:37:00.000+08:002010-04-17T10:37:00.364+08:00

How fit is your family’s finances? Here’s a checklist to help you stay on track: • Start a family budget Set aside a monthly budget for all your family expenses. Be realistic about what your family needs or wants. Choose cheaper alternatives like house brands or taking public transport. Make these choices collectively as a family and enjoy the fun of keeping within the budget each month. •

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-59058276973047092412010-04-14T13:31:00.000+08:002010-04-14T13:31:00.718+08:00

2. Write Down a Budget Have a budget so that you will know each month or each pay cheque how much you can spend on any given item or category. If you cannot fit all your savings goals into your budget, take a look at what you are saving for and cut out the less important things - or adjust the time frame. 'Cut your expenses or find ways to increase your income if your total expenses and your

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-76605486085965876702010-04-12T13:31:00.000+08:002010-04-12T13:31:45.107+08:00

The common question is: How do you save enough to meet all your many needs in advance? Financial experts say it is possible to save enough to reach all your goals, but doing so requires you to have the correct philosophy and follow-through. For one thing, stop making excuses. Like many financial decisions, saving starts with a plan. Here are a few tips for getting started. 1. Set saving

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-58991279709196406302010-04-10T10:38:00.003+08:002010-04-12T13:18:56.223+08:00

Tempted to buy that half-priced Prada Bag? Zara Seasonal Sale NOW ON Grab yours today! New Year Sale Now on! All these sales and marketing techniques make us go ga ga over those items. But have we ever thought about if we can afford them or are we just "spend now, worry later"? Enjoy the video below:

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-88258169321413597522010-04-05T17:30:00.001+08:002010-04-05T17:30:00.734+08:00

I received an email from CPF Board which read:-  Dear Sir/Mdm  Singapore Budget 2010 - CPF Changes  Here's a quick summary of the CPF changes announced during Budget Debate 2010: Members will be automatically included in CPF LIFE if they have $60,000 in their Retirement Account at age 65 from 2023 The first $40,000 of a member's Special Account savings cannot be invested from 1 July 2010 From

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-60296454488115676522010-04-01T10:32:00.007+08:002010-04-01T10:32:00.556+08:00

DRIVERS, expect a reprieve from escalating motor insurance premiums this year. Motor insurance companies, now in a healthier state following consecutive years of rising premiums, are likely to impose only marginal increases, the General Insurance Association of Singapore (GIA) said yesterday when it released its performance figures for last year. It said industry losses narrowed sharply to

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-58906171496926546132010-03-26T13:12:00.003+08:002010-03-26T17:44:35.458+08:00

NUS, NTU and SMU raise school fees to defray operating costs. Students entering the Nanyang Technological University (NTU) this academic year will have to pay higher school fees. The increase was announced on Thursday in a press statement from NTU. Students entering non-business undergraduate courses will have to pay about four per cent more, while those in business programmes will have to pay

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-8393320999342525082010-03-21T10:18:00.001+08:002010-03-21T10:18:00.362+08:00

Budgeting Tip 14: There is great power in budgeting future income...the increases in net income you receive due to promotion, etc. I remember I used to figure out how much my pay was going to increase, then accept a new credit card so I could charge enough to make the minimum payment increase match the increase in my net pay. This is NOT what I mean by budgeting future income. Since your

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-52533378168717390842010-03-18T10:17:00.001+08:002010-03-18T10:17:00.365+08:00

Budgeting Tip 13: Getting what you want: If you're saving for your future, you have 'rainy day' cash and your monthly income exceeds your expenses, I have good news...you can have all your wants. If not, try this: We keep a "Wannas" list for everything we want that we can't pay cash for. We list everything we want, along with an estimate of its price. Then, we put the list in order of

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-88862434087511678222010-03-16T10:13:00.002+08:002010-03-16T10:13:00.603+08:00

Budgeting Tip 12: Needs-vs-Wants: One of the most powerful tools in budgeting is the ability to tell the difference between needs and wants. The Worksheet is designed to show you things you are required to pay. Don't confuse this with needs. A significant amount of consumer credit debt, and possibly some of house payment, maintenance, even food can be wants...not needs. You must assess whether

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-13043318105529263052010-03-13T10:10:00.000+08:002010-03-13T10:10:01.111+08:00

Budgeting Tip 9: Review your budget worksheet to see if you can spot any errors, to try and find areas where you feel your spending is excessive, and to consider if any expenses (maintenance, insurance, taxes, etc.) will increase over the next year...make necessary adjustments and re-total. Budgeting Tip 10: Make sure you keep a savings balance for a "rainy day" that matches 6 months of your

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-75233609219788822002010-03-09T10:08:00.000+08:002010-03-09T10:08:00.479+08:00

Budgeting Tip 6: If the insurance, however, is billed less often than monthly, the total annual amount would be divided by 12, and that number would be listed in the Impound Budget For Non-Monthly Expenses. Don't forget to list the month it's due to be paid. This 'Impound' section is a powerful and unique tool to save monthly for all your annual expenses and avoid those nasty surprises.

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-12773381220501818022010-03-06T10:04:00.001+08:002010-03-06T10:04:00.968+08:00

Budgeting Tip 1: Get the whole picture. Start by collecting all checking account and credit card statements for the last year. Collect all cash receipts for the last month (or next month if you don't do this). Don't forget cash spent on co-payments, mocha's, haircuts, etc. Now collect all receipts for financial contributions to charity, including Girl Scout cookies, etc. Collect all pay stubs,

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-58470748488705433672010-03-04T00:04:00.000+08:002010-03-04T00:04:51.961+08:00

In response to the recent Singapore Budget 2010, I have compiled a list of budgeting tips for all my friends. My budgeting series will help you control the most important part of your family financial program...outflows. Almost all financial problems are due to outflows, not income. If you feel you have an income problem, go to Job Search Employment Tips. Chances are, even if it seems you

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-48760182924699568332010-02-28T18:37:00.000+08:002010-02-28T18:37:00.609+08:00

With all the hype about cheaper treatments in Malaysian Hospitals and supposedly quality healthcare standards over there. Will Singaporeans start moving over there to seek cheaper and more cost efficient treatment? Read on here and decide for yourself!

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-3146465163455098202010-02-25T10:25:00.000+08:002010-02-25T10:25:00.126+08:00

Yes! You can use your Medisave when seeking treatment in Malaysian Hospitals now. WITH the following conditions: Medisave can be used only for hospitalisations and day surgery, not outpatient treatments. The Malaysian hospital must have an approved working arrangement with a Medisave-accredited institution or referral centre here. The patient must be referred through such an institution or

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-46087874388453931642010-02-23T10:35:00.000+08:002010-02-23T00:36:52.114+08:00

Singaporeans will continue to benefit from top-ups announced in previous budgets - such as the fourth and last tranche of GST Credits and Senior Citizens' Bonus, and U-Save, S&CC and HDB rental rebates. Apart from this, Finance Minister Tharman Shanmugaratnam will provide additional special top-ups in this year's Budget to help older Singaporeans as well as families with children. Top-up to

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-21791553602248746692010-02-20T18:00:00.000+08:002010-02-20T18:00:46.704+08:00

GOING by what you read, the diagnosis on doctors can't be good. It appears doctors are being taken to task by the Singapore Medical Council (SMC) too often. That picture isn't entirely correct, said SMC. Sure, there are recalcitrant medical professionals who have been disciplined more than once. But there has been a substantial drop in the number of complaints to SMC last year. It's the

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-34566004913707263992010-02-18T09:57:00.001+08:002010-02-18T09:57:01.970+08:00

Welcome Back after the Chinese New Year Break! It was definitely well-deserved! I received an email notification from CPF some time back, it read: Dear Sir/Mdm, One–Year Extension of 4% Floor Rate for all SMA and RA Monies To help members cope with the current economic climate, the Government will maintain the 4% floor rate for interest earned on all Special and Medisave Accounts (SMA) monies

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-25471525828956179022010-02-08T19:14:00.000+08:002010-02-08T19:14:00.431+08:00

Chinese New Year is coming again!! Some of us hate it and some of us just love it. (it's the food, I believe) I do love it, so I am taking a break! Please keep your comments coming in and I will try to answer any queries when I am free! In the meanwhile, take care, try to curb your cravings ( i know its hard) and be informed!

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-5256645509012633852010-02-08T07:06:00.000+08:002010-02-08T07:06:00.463+08:00

Prevention Developing a healthy lifestyle is the main way to prevent gastric cancer. This should include consuming fresh fruits and vegetables, which are good for the stomach. Eating preserved food or adopting a diet with a high content of salt and nitrates is discouraged, so is smoking and drinking large amounts of alcohol. Conclusion Gastric Cancer is a curable disease if it is detected

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-13514681135629663352010-02-06T10:00:00.001+08:002010-02-06T10:00:02.201+08:00

Surgery and Post-Surgery Care Surgery is the main treatment for gastric cancer. Prior to surgery, X-rays or scans will be done to measure the stage of tumour. Other tests will also be performed to assess the patient's health conditions. Surgery is done under general anesthesia. During surgery, which normally lasts for 3 - 4 hours, the tumour and any surrouding lymphatics will be removed at the

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-60885279401076413962010-02-03T10:46:00.002+08:002010-02-04T12:26:12.484+08:00

Treatment Gastric Cancer is a curable disease if it is detected early. If the tumour growth is confined to the stomach and has not spread to the other organs, the usual treatment is surgery. Part or the entirety of the stomach will be removed depending on the tumour size and location. The stomach is not a vital organ in the human body. Therefore, although the patient has the stomach removed

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com2tag:blogger.com,1999:blog-3592950960291805403.post-299424427866192662010-02-01T10:36:00.002+08:002010-02-01T10:36:00.328+08:00

How to Detect It The most common test empliyed to detect gastric cancer is Gastroscopy (see diagrams). A Gastroscope is a thin flexible tube with an attached camera which allows direct visualization of the gastrointestinal tract. Gastroscopy is an outpatient test and it takes about 10 minutes for the examination. A sedative is usually administered prior to gastroscopy, so that the patient feels

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-23496469531917260572010-01-30T10:29:00.000+08:002010-01-30T10:29:00.437+08:00

Syptoms & Signs As the stomach is located in the upper central part of the abdomen (epigastrium), the most common symptom for gastric cancer is upper abdominal pain or discomfort (so-called dyspepsia). The pain experienced can be mild or severe, and may relate to food intake. It is also non-specific, i.e. it is very difficult to differentiate discomfort caused by gastric cancer from that which

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com1tag:blogger.com,1999:blog-3592950960291805403.post-69816766870568875152010-01-29T18:09:00.002+08:002010-01-29T18:09:00.803+08:00

An Overview Gastric Cancer (also called Stomach Cancer) is a common cancer that affects our stomach. The stomach, which is part of our digestive system, lies between the oesophagus (gullet) and small intestine (see Diagram). It serves as a reservoir for our food, and controls its passage to the small instestine where the bulk of digestion is carried out. Stomach cancer is one of the most

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-77365652278668317672010-01-27T10:53:00.000+08:002010-01-27T10:53:00.337+08:00

What is a Pap Smear? During a vaginal examination, a specimen of cells is obtained with a spatula from the cervical lining and examined under the microscope. If the Pap smear is abnormal, further tests are needed. Who needs the Pap smear and how often should it be done? All sexually active women between 25 and 69 years old are advised to go for a Pap smear regularly. An initial smear is

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-3553162682372879652010-01-24T10:17:00.002+08:002010-01-24T10:17:00.202+08:00

What are Futures? A futures contract is the obligation to receive or deliver a commodity or financial instrument at a specific date in the future at an agreed upon price today. These contracts have the following standard specifications: Underlying instrument The commodity, financial instrument, or index upon which the item is based. Size The amount of the underlying item covered by the

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-51809907035517544802010-01-23T11:56:00.002+08:002010-01-23T11:56:00.659+08:00

Hi Everyone, I attended a Futures Trading Workshop on Tuesday (19 Jan). The speaker was great, the idea was great. Let me just share with you what was shared during that session I attended: It is NOT risky. It does NOT require a lot of money to get started. It does NOT require long hours of research of data and financial news. Trading 2 hours daily is sufficient to meet financial targets.

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-18956230955184098542010-01-21T10:45:00.007+08:002010-01-21T10:45:00.331+08:00

For a graduate couple in Singapore earning median salaries, the goal of becoming millionaires is not too distant, at least on paper. That is, if they save a third of their income from age 25, and invest prudently to earn a modest return of three per cent a year. This does not include non-liquid assets such as property. Singapore website salary.sg says that according to the Ministry of

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-18527755082310251532010-01-19T10:44:00.001+08:002010-01-19T10:44:00.398+08:00

The 20s is the 'Starting Out' stage, when fresh graduates join the rat race and when many experience the liberation of earning their own keep. This is when money is tight and many are living in debt after buying their first car, work wear and paying for a new lifestyle in the corporate world. It is not uncommon for many in this life stage to get carried away with their newly found financial

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-77349873526554891082010-01-17T10:46:00.000+08:002010-01-17T10:46:00.194+08:00

I was reading this article as the title attracted me. (More Perks for Off-Peak Car Owners) and I was thinking, "Wow.. how good is it? Lets see..!" As I went down the lines, my eyebrows drew nearer to each other, my initial smiles became a smirk.. "They" let us drive for additional hours (Saturdays, eves of public holidays) and justified this "generous act" by adding tax to it. How convenient is

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-64097503328979873362010-01-15T12:05:00.001+08:002010-01-15T12:05:51.448+08:00

Read this article and just to share with you guys! Spore investors Confident Congrats to friends who have made a windfall from this economic downturn and for those who have got burnt, I believe have learnt their lessons. Some principles to always keep in mind: - Please don't gamble your whole family's assets! - Always apply dollar cost averaging for long term investments - Don't be Greedy!

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-76587508353596019182010-01-12T09:46:00.002+08:002010-01-12T09:46:00.138+08:00

Do you find it hard to stick to a diet in the office? Read on for some tips on how to avoid ruining your diet and slowing your metabolism. It can be hard to stick to a diet when you are working, meeting deadlines, rushing off to meetings or even just parked at your desk. Many people end up eating the wrong foods at lunch and grab something that is easy to eat on the go. There is also the

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-29900068245672795302010-01-09T10:34:00.001+08:002010-01-09T11:06:55.385+08:00

>> Continued from Part 2 If misrepresentations or omissions are found by an insurer before the policy is issued, it will adjust your rate accordingly based on the truth. But an intentional lie will also cast doubt on the rest of your application, and that could compel the insurer to examine everything more closely and possibly delay its decision.  Lies discovered after a policy is issued can

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-22401204311110782742010-01-07T10:28:00.003+08:002010-01-09T11:05:02.956+08:00

>> Continued from Part 1 "I'm not depressed": Neglecting to mention depression is common, Patterson says. Depression can be impossible to detect by an agent or the paramedical examiner who performs the medical review. However, any medical diagnosis of depression will be apparent in your medical records. "I've had only that one DUI": Lying about drunken driving convictions happens, but

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-50926294002937266502010-01-05T17:27:00.001+08:002010-01-08T23:59:51.206+08:00

The price of your life insurance policy often depends on your answers to a range of application questions, plus the results of your life insurance medical exam. Some applicants succumb to the temptation to lie on their applications, hoping their misrepresentations will sneak through the approval process and garner them lower rates. Here are some of the most frequent lies discovered by life

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-87510312013006532532010-01-02T15:52:00.002+08:002010-01-05T16:55:29.155+08:00

A heart attack occurs when blood flow to part of the heart is blocked, often by a blood clot, causing damage to the affected muscle. This is usually caused by atherosclerosis - hardening of the artery walls. The clot, often caused by rupturing or tearing of plaque in an artery is sometimes called a coronary thrombosis or a coronary occlusion. If blood supply is cut off for a long time,

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-83179239376562754572009-12-31T10:22:00.000+08:002009-12-31T10:22:38.982+08:00

THE Romanian diplomat who claimed that his embassy car was stolen at the time it was involved in a hit-and-run accident a fortnight ago is now a suspect in the case. Dr Silviu Ionescu, the charge d'affaires of the Romanian Embassy in Singapore, has not been ruled out as the person behind the wheel of the Audi car in the early morning hit-and-run. His black Audi A6 was involved in a horrific

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-4691568194561815372009-12-29T12:11:00.000+08:002009-12-29T12:11:00.679+08:00

THE first thing that comes to mind when you talk about bone is calcium. But the journey to good bone health does not stop at getting the right nutrients. Getting the right exercise is also important for strengthening bones. Don't think that our bones are rigid. In fact, they're not only strong, but also flexible. That's how gymnasts are able to bend their bodies to seemingly impossible shapes

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-80249570481508668992009-12-27T11:28:00.002+08:002009-12-29T15:47:44.597+08:00

'A dollar today is worth more than a dollar tomorrow.' This adage used to describe a common desire of many investors to secure their wealth rather than grow it is a good explanation for why we see so much cash in investors' portfolios at the moment. Despite the return of a modest appetite for riskier investments in recent months, investors still seem very much attached to cold hard cash. This

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-28768060868363387842009-12-23T11:26:00.000+08:002009-12-23T11:26:29.989+08:00

As in the words of the popular Christmas carol, naughty or nice come to mind and those tantalising log cakes, puddings and chocolates are both nice and "naughty". That is, if you love to sink your teeth into those tempting delights yet fret about the common ingredient they have aplenty - sugar. While sugar enhances flavour and is found naturally in certain foods like fruits and vegetables,

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-34165009297541677852009-12-23T00:10:00.000+08:002009-12-23T00:10:21.083+08:00

The Tan Tock Seng Hospital (TTSH) is always crowded because most ambulance calls and users come from Woodlands and Yishun, says Health Minister Khaw Boon Wan. Penning his thoughts in his blog, Mr Khaw said that the TTSH emergency department had to alert the Singapore Civil Defence Force (SCDF) to divert ambulances to other hospitals like Changi General Hospital (CGH) and the Singapore General

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-71304271676397206892009-12-20T10:32:00.002+08:002009-12-20T10:32:00.612+08:00

[Before You Start] Gather -- and read -- copies of all your insurance policies that are currently in effect (home, auto, life, long-term care, etc.). The Role of Insurance in Your Financial Plan Insurance is an important element of any sound financial plan. Different types of insurance protect you and your loved ones in different ways against the cost of accidents, illness, disability, and

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-45536909949270211992009-12-18T10:29:00.001+08:002009-12-18T10:29:00.188+08:00

A neurologist says that if he can get to a stroke victim within 3 hours, he can totally reverse the devastating effects of a stroke...totally. He said the trick was to get a stroke recognized, diagnosed, and then getting the patient medically cared for within 3 hours, which is tough for most cases. Thank God for the sense to remember the "3" steps, S-T-R . Read and Learn! Sometimes symptoms

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-68782661722019812882009-12-16T13:37:00.002+08:002009-12-16T13:39:42.443+08:00

(taken from Straits Times 23rd November 2009) SAVINGS accounts have seen miserly interest rates of below 1 per cent per annum since 2001 - and people hoping for better yields ahead will be disappointed. The rates are unlikely to rise - at least in the next six months, experts say. Monthly average savings rates have been on a downward trend from January to last month. This means the annual

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-89339788656938727312009-12-14T09:18:00.001+08:002009-12-16T13:42:19.885+08:00

For the majority of us, our main source of income is from work. As such, if we are not able to perform our work due to any mishaps such as medical reasons or injuries, this can be financially devastating. Now some of you may think that since they have bought some form of insurance, the insurance company should be able to cover this. However, if you have only bought life or term insurance, you

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-19781402496253499992009-12-14T09:10:00.001+08:002009-12-14T09:10:00.215+08:00

Why should one buy insurance ? The answer to this question seems to be pretty obvious to each and everyone one of us but the answer can vary. Some may see it as a form of investment such as buying life insurance that will give you some returns and coverage together while others may see it as a form of savings. The main reason why one should buy insurance is to protect you and your loved ones

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-5434215468294095582009-12-11T10:36:00.002+08:002009-12-11T10:36:00.570+08:00

One common issue when arranging travel is purchasing travel insurance. Some people assume that it is a waste of money, or it is a good-to-have-but-not-necessary thing. But travel insurance is an important coverage for anyone when travelling. It may not be pleasant to think of the things that could cause you to shorten, or even worse, cancel your vacation. But accidents do happen, no matter how

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-11018981913383228872009-12-09T10:30:00.000+08:002009-12-09T10:30:00.735+08:00

Canadian woman on long-term sick leave for depression says she lost her benefits because her insurance agent found photos of her on Facebook in which she appeared to be having fun. Nathalie Blanchard has been on leave from her job at IBM in Bromont, Quebec, for the last year. The Canadian Broadcasting Corp. reported Saturday she was diagnosed with major depression and was receiving monthly

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-23881846679520022902009-12-07T10:09:00.004+08:002009-12-08T00:20:37.197+08:00

Academics have long theorised that expressions of thanks promote health and happiness and give optimism and energy to the downtrodden. Now, the study of gratitude has become a surprisingly burgeoning field, and research indicates being thankful might help people actually feel better. There's a catch, however: You have to say thanks more than just once a year. 'If you don't do it regularly

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-42640038923905614892009-12-06T01:09:00.000+08:002009-12-08T00:27:59.204+08:00

Singapore does not have "universal coverage," as Mr. William McGurn inaccurately asserts in his column "What Singapore Can Teach the White House" (op-ed, Oct. 21). Even the government has admitted that tens if not hundreds of thousands of Singaporeans do not have sufficient basic medical insurance coverage. Many of them are women and children, as in the United States. Singapore spends roughly

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-85604078147959575882009-11-25T15:54:00.000+08:002009-11-25T15:54:35.473+08:00

Mok Jia Yong (pictured), 19, has had muscular dystrophy since he was 3. But he refuses to give in to the terminal illness without a fight. Despite finishing their N levels four years ago, they have been unable to work because of their condition. But he didn't want to wallow in self-pity and wanted to do something meaningful with what's left of their lives. He said "..when I'm selling sweets,

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-29366996035912270122009-11-22T13:37:00.001+08:002009-11-22T13:37:00.992+08:00

PARIS - A NON-INVASIVE, cold form of laser treatment can help people suffering from chronic neck pain, a condition that affects up to one person in four, a study published online by The Lancet said on Friday. So-called low-level laser therapy (LLLT) entails using a laser's light - but not its fiercely concentrated heat - to stimulate tissue repair and ease pain. Doctors led by Roberta Chow of

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-14275105339443381442009-11-19T13:35:00.000+08:002009-11-19T13:35:39.761+08:00

... Ms McCombie joined Yoga Thrive, a community-based programme created specifically for cancer survivors that is spreading throughout Canada and parts of the United States. 'Our instructors know both cancer and yoga,' Dr Culos-Reed explained. 'They not only learn the seven- week yoga programme, they also learn about cancer treatments and side-effects.' 'They learn to reconnect with their

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-22520126241864446052009-11-12T00:25:00.001+08:002009-11-12T00:34:27.972+08:00

Cancer is the leading cause of death in Singapore. Each year, on average, more than 8,500 people are diagnosed with cancer and close to 5,000 die from it. Yet, many are still ignorant that cancer is preventable and curable when detected early, while others are too complacent or fearful of going for regular screening. Since its inception in 1964 and 44 years on, the Singapore Cancer Society (

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-88866654058689145052009-11-01T22:06:00.000+08:002009-11-01T22:06:05.281+08:00

Hey My Dear Friends, I will be going for a Roadshow jointly organised by Great Eastern & OCBC Bank from 2 November - 8 November 2009 @ Boon Lay Interchange. In the meantime, I will not be updating my blog as I expect myself to be really busy. Do continue dropping your queries into my mailbox and I will get back to you once I am done with all necessary. Thank you very much for you continued

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-55647656451479231012009-10-29T10:19:00.001+08:002009-10-27T17:23:01.046+08:00

This Video shows how the generic Healthcare Insurance works. You can contact me at stevey.is@gmail.com to understand what Singapore Insurers offer.

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0tag:blogger.com,1999:blog-3592950960291805403.post-6139270094628078112009-10-27T10:34:00.000+08:002009-10-27T10:34:00.458+08:00

Enjoy this light-hearted video. But do take action before healthcare starts to choke your expenses.

Steven Teohttp://www.blogger.com/profile/13717539428722090469noreply@blogger.com0