Do we have a crisis in health-care?
Read the articles in Today paper:
a) Article by Stanley Jeremiah – Medisave, Medishield, Medi-Crisis?
http://www.todayonline.com/articles/230532.asp
b) Article by Alex Har – Medi-Debate: Why I’m Optimistic
http://www.todayonline.com/articles/231761.asp
c) Letter by Karen Tan, M of Health – We can be proud of 3M
http://www.todayonline.com/articles/231791.asp
Some points to ponder:
a) Do we have a medical insurance crisis?
b) Many people have several medical insurance policies. They are over lapping, duplicative and wasteful. Do you agree?
c) Medishield has Deductible and Co-insurance to encourage people to use medical services carefully. This is negated by offering a rider to cover these items. It makes the system more complex and costly to administer. Do you agree?
d) What is portable medical insurance? How can we get more people to be insured under a portable insurance policy?
Friday, January 11, 2008
Time to enter the market?
Hi Mr Tan,
Is it a good time to enter the market? Should I wait and see, since the market is expected to be volatile in 2008? This is the first time I am investing in unit thrust, so not too sure. I hope to seek your advice.
REPLY:
It depends on whether you are investing a large lump sum or a small monthly sum.
Read this FAQ:
http://www.tankinlian.com/faq/savings.html
Is it a good time to enter the market? Should I wait and see, since the market is expected to be volatile in 2008? This is the first time I am investing in unit thrust, so not too sure. I hope to seek your advice.
REPLY:
It depends on whether you are investing a large lump sum or a small monthly sum.
Read this FAQ:
http://www.tankinlian.com/faq/savings.html
Hide! Here Comes the Insurance Guy
http://www.kevinquinley.com/nlstory.cfm?ID=565&NLID=2231
The Envelope, please … the Top Risk Management Book of the Year … By Kevin M. Quinley CPCU, ARM AIC, AIM, ARe Hide! Here Comes the Insurance Guy by Rick Vassar, iUniverse, 2006, 196 pp., $17.95
Author, risk manager and consultant Rick Vassar has penned an illuminating primer on insurance and risk management in his book, "Hide! Here Comes the Insurance Guy."
The title is a take-off on the notion that, for most people, meeting with an insurance person or discussing coverage is as much fun as a root canal or proctological exam. Part of his theme is that most companies have risks that are overseen by someone whose title is not "Risk Manager."
Most companies do not have risk managers; you need to have a pretty big insurance budget to justify that as a full-time position. No company vies to be paying so much in insurance premium that they spotlight the problem by having a full-time individual to tend to it. Nevertheless, all companies have risks and need to manage it.
For these risk managers without title or formal portfolio, Vassar's book – perhaps the best risk management book of the year even without that phrase in the title -- is an indispensable primer and guide. Reading and heeding his advice will save businesses much money, frustration and Excedrin-consumption.
Vassar divides his book into three main sections. Part I discusses business strategies to even the playing field between policyholders and insurance companies. Part II walks through the major basic forms of insurance coverage for most any business. Part III rounds out with a useful; glossary and index. Vassar's focus is practical and hands-on, leavened with a self-deprecating sense of humor.
Did I say "humor"? Yes, though few comedy clubs are likely to feature an Open Mike night for insurance reps, Vassar takes the human antipathy toward insurance and turns it into a source of mirth and amusement. So run -- but don't hide - and get your copy of "Hide! Here Comes the Insurance Guy." Get out from under the desk. Leave the closet and face your fears. Insurance and risk management may not be fun (though they are occasionally funny), but Rick Vassar has come as close to anyone in blending sharp wit with money saving risk management insights.
The Envelope, please … the Top Risk Management Book of the Year … By Kevin M. Quinley CPCU, ARM AIC, AIM, ARe Hide! Here Comes the Insurance Guy by Rick Vassar, iUniverse, 2006, 196 pp., $17.95
Author, risk manager and consultant Rick Vassar has penned an illuminating primer on insurance and risk management in his book, "Hide! Here Comes the Insurance Guy."
The title is a take-off on the notion that, for most people, meeting with an insurance person or discussing coverage is as much fun as a root canal or proctological exam. Part of his theme is that most companies have risks that are overseen by someone whose title is not "Risk Manager."
Most companies do not have risk managers; you need to have a pretty big insurance budget to justify that as a full-time position. No company vies to be paying so much in insurance premium that they spotlight the problem by having a full-time individual to tend to it. Nevertheless, all companies have risks and need to manage it.
For these risk managers without title or formal portfolio, Vassar's book – perhaps the best risk management book of the year even without that phrase in the title -- is an indispensable primer and guide. Reading and heeding his advice will save businesses much money, frustration and Excedrin-consumption.
Vassar divides his book into three main sections. Part I discusses business strategies to even the playing field between policyholders and insurance companies. Part II walks through the major basic forms of insurance coverage for most any business. Part III rounds out with a useful; glossary and index. Vassar's focus is practical and hands-on, leavened with a self-deprecating sense of humor.
Did I say "humor"? Yes, though few comedy clubs are likely to feature an Open Mike night for insurance reps, Vassar takes the human antipathy toward insurance and turns it into a source of mirth and amusement. So run -- but don't hide - and get your copy of "Hide! Here Comes the Insurance Guy." Get out from under the desk. Leave the closet and face your fears. Insurance and risk management may not be fun (though they are occasionally funny), but Rick Vassar has come as close to anyone in blending sharp wit with money saving risk management insights.
Amazing Numbers - on cards
I showed the Amazing Numbers, printed on cards, to several people during lunch. They were amazed at my ability to guess the number that they picked.
When I showed them the secret, the were even more amazed. They asked me, "How did you generate the numbers on the cards".
Can you guess the secret? Do you know how I generated the numbers?
http://www.tankinlian.com/amazing/index.html
I have decided to make 1,000 sets of cards to be sold at a modest price or given away.
When I showed them the secret, the were even more amazed. They asked me, "How did you generate the numbers on the cards".
Can you guess the secret? Do you know how I generated the numbers?
http://www.tankinlian.com/amazing/index.html
I have decided to make 1,000 sets of cards to be sold at a modest price or given away.
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