As a matter of fact, Chocolate Finance is a managed account that is operated by a local private company, ChocFin Pte Ltd. As an investment account, you will earn a non-guaranteed return for the money that you put with them. That being said, at this time, you will get to enjoy the full return of 4.2% per annum under its Top-Up Programme. For one thing, this return will sound attractive to many consumers. After all, you don’t have to jump through any hoops to boost your savings. With this in mind, let’s learn about Chocolate Finance in this post. ? Use my referral link to skip the waitlist and o ..read more

All in all, an integrated shield plan provides everyone with an opportunity to get lifelong protection against large medical bills. At this time, an integrated shield plan is a private health insurance scheme that is run by an insurance company. Accordingly, all Singapore Residents are eligible to submit the health insurance application. Given that relatively wide target audience, let’s find out whether you should purchase an integrated shield plan. Table of Content: What is an Integrated Shield Plan (“Main IP”) Target Audience Singapore Citizens Permanent Residents (“PRs”) Foreigners with a ..read more

Basically, an integrated shield plan is a private health insurance scheme that provides reimbursement for hospital bills and selected outpatient treatments. By and large, Singaporeans and Permanent Residents (PRs) consider it as an optional enhancement to their basic health insurance scheme, MediShield Life. Moreover, expatriates may also consider getting an integrated shield plan to complement their corporate insurance scheme. Given that an integrated shield plan has a relatively wide target audience, let’s learn about its key features and whether you should enhance your existing health insur ..read more

Singlife Dementia Cover boasts to be the first-in-market long-term care protection plan that provides up to $170,000 in payouts for cognitive decline and mental health conditions. Given that recent hype on mental health protection, I decided to conduct an in-depth analysis on this plan. Accordingly, here is my analysis on Singlife Dementia Cover (“the Plan”) and whether you should purchase it right away (no, you probably should not). Table of Content: What is Singlife Dementia Cover Potential Cost Insurance Coverage (Benefit) Case Study My Observations (Non-Exhaustive) Cost to Benefit Ratio A ..read more

Basically, Singlife Dementia Cover is a long-term care insurance policy that provides you with a payout in the event of a mental disability. According to Singlife, this is a first-in-market long-term care protection plan that provides up to $170,000 in payouts for cognitive decline and mental health conditions. Moreover, Singlife Dementia Cover includes a lump-sum payout for dementia-related depressive or anxiety disorder and accidental burns or fractures. With this in mind, let’s learn about Singlife Dementia Cover (“the Plan”) in this post. Table of Content: What is Singlife Dementia Cover ..read more

As our nation’s health insurance scheme, MediShield Life provides all Singaporeans with universal and lifelong protection against large medical bills. In addition, Permanent Residents (PRs) get to enjoy some form of coverage too. As I have noted in the post on What is MediShield Life, this is not a one-size-fits-all health insurance scheme. Instead, a specific group of citizens will benefit from the national health insurance scheme the most. With this in mind, let’s find out whether you belong to this group and whether the insurance coverage is enough to meet your healthcare needs. Table of Co ..read more

Administered by the Central Provident Fund (CPF) Board, MediShield Life is a basic health insurance plan for all Singaporeans and Permanent Residents (PRs). In essence, MediShield Life helps to pay for large hospital bills and selected costly outpatient treatments. Given that MediShield Life forms the core of our nation’s health insurance policy, let’s learn more about how it works in Singapore. Table of Content: Basics of MediShield Life Coverage What does MediShield Life cover What is not covered by MediShield Life How to make a claim Changes to MediShield Life Final Thoughts One Minute Su ..read more

Emphatically, credit cards have changed the way I spend my money over the years. In fact, my expenditure revolves around using the right credit card. This is so as to optimise the value of my spending. Given that there are so many credit cards, let me share my arsenal for 2023. Table of Content: Cashback Credit Cards Miles Credit Cards Reward Credit Cards Cashback or Miles? Disclosure: This post on Credit Cards contains referral links (in a collaboration with SingSaver). Hence, I may get some money for coffee when you use my referral link for the credit card application. But nope, there is n ..read more

After spending more than three months on meticulous planning together with careful deliberation, I started writing for the internet on 5th January 2019. Even till today, I could vividly remember the first post that I wrote – Learning Curve in Life. In that post, I elaborated on the quarter life crisis that I faced and how I started this blog to overcome the predicament. That year, I published 52 blog posts in total, or one post each week. In fact, if you have been following my writing journey since the beginning, you may have remembered my blog’s original tagline, New Post Every Wednesday at ..read more

All in all, Senoko Energy offers one of the most competitive rates for the open electricity market price plans. Moreover, its excellent customer service makes you feel assured that you will be working with the right company. After all, each plan comes together with either a 12-month or a 24-month contractual period. Hence, you won’t want to fall into the wrong hands. With this in mind, let me share about my recent experience with Senoko Energy, and why I decided to purchase my home’s electricity from them. Table of Content: Market Comparison Open Electricity Market Retailer Ratings Public Rev ..read more