no worries zack!

hi kaitlynangelica


true and totally agreed.
btw, mummy of 2, do u have other savings options that im unaware of, coz currently as of such, my returns for each plan is on the average of 15% per annually although it is really for long term commitment. But if u have a better saving alternative please kindly share with me.

i believe in saving and curbing the inflation, and even fixed deposit savings dont get me that kind of returns and therefore i trust my financial adviser after so long coz i know some of them really promise you this and that like my previous adviser but end up losing money and such. so thank god currently my adviser proved to pretty accountable and such.

but of coz if there are alternatives you know of to saving please kindly share especially if you can curb inflation and not have to do long commitment.

hi zack!


im not sure if i understand what you mean in terms of health insurance.
my health insurance is manage by my general and health insurance guy, of which ive got my own financial planner too. i know that there is two alternatives in terms of health insurance and accidental stuff.

for example i know that if i go jogging for example and get a mishap like say sprain my ankle or get dislocated i know that i am covered for my medical expenses in terms of my MRI etc…

that is kinda actually being covered by my general insurance accident plan.

as for my hospitalistation im covered by my health shield plan.
so im not quite sure what you are lookin for, but this guy that does both my accident as well as health shield guy is pretty good. u can call him for advice coz he’s kinda not pushy. i like it coz i dont like to be pressured to take up anything or be committed to anything i dont want. so he’s kinda good to check up with.

if u are interested u can msg me and i can send u his contact. coz im kinda new at this forum im not sure im im kinda allowed to post contact numbers here.

im sure it wont hurt to just call and enquire from him. coz afterall, with insurance and financial planning and such, u still need professional advice except we all know we dont and are afraid of the hard sell types. so he’s pretty alright.

There are plenty of insurance agents in the market, especially roadshows and such where they hussle you to buy this and that. My gf does this and i like that she plans my child’s insurance and education needs to exactly our budget and plans for our children in the long run.


if anyone’s interested can ping me for her contacts coz im not sure its ok to just post her number here.

Also not long after i bought a policy from her, the plan i got was child education plan of the year. Usually i prefers shopping around for the best but she proves to be very helpful and reliable thus now my family has stick to her for all our family planning needs.