Don't underestimate this knowledge on how to get your credit application approved (or never rejected in the first place). Let me put you in a situation. You discovered a dream home for

Have you been in a scenario where a retired/non-working elderly parents/relatives always hunt for the best fixed deposit deals from banks to park their retirement money? They are usually very risk-averse

In this month's episode, I answered the questions: What is the evidence required to claim the 3,000 parental tax relief from 2016 to 2020...(remember, you don't want to mess with IRB

Before all these money scams / pyramid schemes became popular, one of the common methods to save & invest for long term is via insurance savings plan (aka endowment plan) But

The "conventional wisdom" has always been that Warren Buffett's success can be explained by his stock-picking skills and his discipline. And that lead people to adopt his stock picking strategy aka

People always asked "how do I know if I can sustain my lifestyle until my twillight years with what I already have?" In other words, they are looking to quit or slow

Profitable + consistent annual returns in long term investing doesn't have to be a scary, frustrating experience. This is your ultimate shortcut to getting world class investment returns, matching even Warren

Back in Oct 2015, I did a webinar with KCLau (recording way below this page), educating the public about the legitimate form of private equity investment in Malaysia. These are

Considering the cost of current medical procedures now and future medical inflation, is it more worthwhile to either self-insure myself or buy a medical card? I got asked the questions above

When we buy and maintain a medical card, we must know the estimated costs of common medical procedures in private hospitals. It could vary from one hospital to another. The

The below is a detailed scanned presentation slides outlines the following aspects in mortgage loan application & approval: Classification of high risk occupationsHow Debt Service ratio (DSR) is computed,especially how financing

The loan calculators you obtained online (like iMoney or Loanstreet) will tell you the difference in total interest paid when you change the interest rate variable, say, from 4.40% to

A member, Darren Chow, asked if an endowment plan from GE, Great Premier Wealth (GPW) is better than FD 3% in 2016. The GPW Plan needs you to pay 6k

This is a medical case which I could share with you - a 3 y old child who had emergency admission into private hospital on a weekend. Reason was -

The story below comes from my FB timeline - a case relating to AIA Singapore. Click to enlarge.

The link below contains true story of a lady in her 20's having colon cancer, which is pretty uncommon as this condition normally affect males and normally not as young. Battle

While a million ringgit lifetime limit for a medical is logical for now and future, the same cannot be said for life insurance. You might or might not need it. Some

I always advocate an annual limit of RM 100k minimumly and a lifetime limit of RM 1 mil. Although very few customers questioned me on it, I can tell you

Summary of this video Note: this could happen to any insurance company, anytime! (below using Prudential memo as case study) What it means when a private hospital is under an insurer's panel list Can

Summary of this video What can you claim from a medical card aka H&S policy Conditions for the relevant documents to be eligible for claim The Hospital Admission process flow Guarantee Letter vs Reimbursement The

Summary of this video Insurance claim & payout from insurer's perspective Type of insurance claims Process flow for insurance claims Claims outcomes - not every claim is the same! Major claim vs minor claim -

Summary of this video The pros and cons of a savings plan (aka endowment policy) How Savings Plans are structured - The protection part, the guaranteed surrender value part and non-guaranteed investment

Have you ever wondered why and how some people take advantage of their medical insurance to do full body health check at private hospitals? Aside from the ethics part, what

Have you ever wondered why some medical cards are easier to admit into certain private hospitals or claim compared to others? And why sometimes private hospitals still need to charge

Summary of this Recorded Webinar with KCLau.com The Big Difference between Standalone Medical card and Medical card rider The Risks of a Standalone Medical Card (how Medical card rider mitigate this risk) The

This is the exact loan packages offered by the asset management division of the insurance company as of Nov 2013 (click the image below for large view) How to properly use the

Summary of this Recorded Webinar with KCLau.com A General Perspective on the Needs of Medical Insurance Making it Clear Cut the Purpose of Medical Insurance vs Critical Illness coverage What is a Deductible

Summary of this video What are the "hidden" things to look before signing an investment linked policy? What is top up premium and policy sustainability; how these 2 aspects are related? What is

Summary of this video MRTA/MLTA Downfall - who's the beneficiary? How Banker can give you huge discount on MRTA premiums, at the expense of your family should you kick the bucket MLTA seems