The Clovers

Ladies of various personality traits yet peculiarly similar, one may discover the interesting facts of each individual over time.

Thursday, 26 September 2013

Why should you consider getting a private integrated shield plan?

An encouragement by company to us to help more people :) What is private integrated shield plan? A Shield plan is designed to cover major/catastrophic events related to Hospitalisation & Surgery (H&S). It is not meant to cover minor ailments and visits to General Practitioners. CPF Board operates the CPF Medishield, which covers up to 80% of your H&S bills at subsidised wards in restructured hospitals. The...

Economy Cycle

The economy always runs in a cycle, from expansion (growth) to contraction (recession) and vice versa. There's a long time saying "10 years a major cycle ", Japan led the global booming in the 80s, follow by southeast Asia bull run in 90s, US tech boom in early 2001 to China and India superb growth till 2008.It has been a long 5 years since we hit the bottom , if the history is going to repeat itself which usually is and so true in financial...

Tuesday, 17 September 2013

Integrated Health Solutions (IHS) with Free Essential Health Screeningis back by popular demand!

Dear Employer/ HR/ Person in charge of employee benefits: Back by popular demand, from now till end 30 November 2013, for every new IHS benefit packaged with Group Term Life or Group Hospital & Surgical Plan, we will offer Essential Health Screening Package worth $68 for free! Terms and Conditions * 1)  IHS program is a rider to Group Hospital and Surgical or Group Term Life with a minimum group size of 11 employees. 2)...

Saturday, 14 September 2013

AIA Vitality Program

You may seen below advertisement is widely advertised by AIA some times ago. There are on public vehicle, bustop ad board, radio, and newspapers, and direct mailer that send to your home if you are AIA existing policy owner. But what does it really about? "Here’s something everyone should ponder: Is your body older than you really are? A recent survey conducted by life insurance giant AIA found that the average Singaporean’s body age is four...

Friday, 13 September 2013

小资女孩向"钱"冲

喜欢在空闲的时候,坐下尝杯咖啡,阅读从邻里图书馆借来的一些书籍,自我充值一下。最近阅读到一本写给女人的投资理财书,借此分享。 推荐序: 作为女性,我深深知道女人的年轻美丽会随着岁月流逝而逐渐消失,唯有魅力才是永存的。如果我们把赚到的钱,部分投资到学习理财知识、学习理财技巧上,用知识武装头脑,打造从内而外散发的魅力,而不是仅仅用于购买化妆品、服装等外表装扮上,那我们将收获无穷魅力,收获无限的自信和骄傲,收获精神、物质上的双重财富! 这本书从多方面为女性朋友诠释了如何把赚钱的能力转变为理财的能力,如何为自己、为家庭创造更多的财富,从而做一个十足幸福的女人,让世界因为女人而变得更加美丽、更加精彩! 书中推荐者建议女性朋友遵照以下5大法则、7个步骤: 5大法则 第一、理财宜早日做起 第二、成功在于契而不舍,重复做相同的事 第三、理财不是敛财 第四、先还款,再储蓄,后投资,最后是消费 第五、制定理财计划,并严格执行 7个步骤 第一步、了解自己的需求,了解自...

Thursday, 12 September 2013

你快乐吗?

刚打开收音机,电台主持人寻问听众目前是快乐的,还是不快乐? 这道问题似乎掀起了忙碌新加坡人的内心深处,纷纷致电诉说自己的快乐或不快乐,大部分的不快乐原因皆因目前的生活状况,金钱短缺,有些听众还向往移民国外,希望有更好的未来生活素质。。 多数现代人逐渐踏进忙,茫,盲的困境而不自知, 但是,一味地埋怨而不作出改变,结果还是一样的。 人的一生中,每个人都曾沐浴幸福和快乐 ,也会历练坎坷和挫折。 幸福快乐时,我们总是感觉时间的短暂;而痛苦难过时,我们却抱怨度日如年。 人生短暂,要善待自己、家人和身边的人。 这时候的你看似满脸笑容,但你真得快...