Category: Clearly Surely

The improbable saboteur: Why you are your worst enemy when it comes to financial planning.

We make intuitive decisions every day. Sometimes our gut instinct may lead us to amazing experiences. By making a detour in your daily journey, you may discover the quaint cafe hidden at one corner. At times it may lead us to minor unpleasant consequences such as contracting diarrhoea due to the food bought from a […]

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5 Financial Planning sins we should not commit – but do so anyway

Many actions we take in life are detrimental – but we do them anyway, knowingly or unknowingly. Like binge watching netflix till the wee hours. Like indulging in that lava cake after a buffet lunch. Like chugging pint after pint of Stella Artois long after you’ve had your buzz. Most of the consequences of these […]

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I do not buy insurance. And this is why you should not.

I was catching up with a friend the other day. We were having a lovely conversation, chatting about our personal lives, families and the latest trending topic which happened to be that chubby-looking dictator with nuclear missiles.     Somehow our attention turned to insurance. It is not out of place since he works in […]

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Had a Shitty experience with Life Insurance? 3 ways to turn that around

Pretty safe to say that if you are of working age (above 21), then you probably were subject to a disappointing Life Insurance experience from the list below:   Bought from a Harry Houdini – who disappeared without a trace after the sale Bought from a high pressure sales person – who literally can turn […]

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I really want to have multiple insurance policies. Can I?

There is one piece of advice that we hear from the news, radio or TV time to time. Make sure that you do not buy overlapping coverage because you can claim from only one policy. Dutifully, you return  home to review your plans so as to streamline your coverage. “Oh my goodness, I have more […]

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What exactly does Total and Permanent Disability (TPD) Insurance cover? [We dig deeper]

The Total and Permanent Disability Cover clause is a mainstay of many Life Insurance plans. Often it is embedded within the plan, without the option to decouple (or remove) it – such is its fundamental nature. We can find it in pretty much every major class of policy there is out there – Term Plans […]

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What can you actually claim out of Insurance? [Handy Guide]

This happens like clockwork every year. You open up your letterbox and find more mails than usual. Besides your customary bills, there are some nondescript envelopes in there. Your annual policy statements.   The usual protocol is the straight bin protocol – they go straight to the bin, that is. But this time, a question […]

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The Absolute best time to buy Life Insurance [We share the Secret]

Why waste good money on Premiums?   Psst. We’ve got a great lobang for you. Yeah you, if you have been deciding for ages to get any insurance – or not. Of course we empathize with what you are thinking. It can wait right? Why not push it back 3 months, 6 months, even a […]

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3 Uniquely Singaporean Cultural Traits worth Protecting

After numerous complaint letters to the Straits Times forum, the Director of Hawker Centre Division (NEA) finally announced that there would be no chope’ing of seats at two food centres. And we wonder how are they going to enforce that?     This issue is as divisive as the upcoming Presidential election. Some feel that […]

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John Wick goes Insurance shopping. We chronicled the entire experience

Welcome to an alternate universe, the world where John Wick exists. The first rule, and perhaps the most helpful one, to observe in this world is that things are never quite as they seem on the surface.   He had retired. Comfortably, too. John Wick was one of the best known, analyst, in the business. […]

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