Electricty Tariffs - Biggest hike in 8 years

My email update to clients:

Dear Clients,

I believe most of you have read the article on TODAY (Sept 30), the article reported another increase in electricty tariffs.

Our convenient MRT and buses fees have increased recently too.

Year after year, this (hikes) will increase, what we are not sure of is the percentage% that it will increase.

The world population growth coupled with the dimishing resources will steadily bring about higher costs to everyone.

What this means is that the hikes are also compounding their interest. Ensure that your money is growing at a compound rate too

Protect your wealth, don't let it diminish in value, then grow it

The milk scare - AVA list of affected products

As of 24 September 2008, the AVA has detected melamine in an additional 5 products imported from China. Two are flavoured milk and three are confectioneries containing milk powder as an ingredient. They are :
i) Dutch Lady Banana Flavoured Milk;
ii) Dutch Lady Honeydew Flavoured Milk;
iii) Silang - House of Steamed Potato - Potato Cracker;
iv) 徐 福 记 Puffed Rice Rolls - Butter Corn Flavour; and
v) 徐 福 记 Puffed Rice Rolls - Cheese Flavour

This brings the total number of affected products to 8. The other products that were earlier found to be contaminated with melamine are:
i) Yi Li Choice Dairy Fruit Bar Yogurt Flavoured Ice Confection;
ii) Dutch Lady Strawberry Flavoured Milk; and
iii) White Rabbit Creamy Candy

Great Eastern Financial Strength in Times of Worries

Recent days have been real busy with the failing of top financial institutions in the world. Many of my clients were concerned about their policies with Great Eastern after what happened to AIG.

It was assuring to know that Great Eastern have more than enough capital and financial resources to honour all our obligations (ie claims, maturity proceeds, surrenders, and other liabilities) to policyholders at all times.

MAS requires all life insurance companies to have a minimum capital adequacy ratio of 120% for their life funds. Both Great Eastern Life and OAC have a capital adequacy ratio of over 250%.

Our life funds have insignificant exposure to sub-prime and Lehman securities. The majority of our life funds is invested in fixed income securities, including corporate and government bonds.

Essential Protector - Free coverage for your kids when you are covered

Essential Protector - Click here to download Brochure

Overview
Most of us spend much of our days indoors. The fact is that we spend more time on the road than we think. It can be commuting to and from work, picking up the kids from school, or even for leisure. This means that you are highly susceptible to traffic accidents.

Essential Protector not only helps you cushion the impact of a financial loss, it will ensure that your family continues with their lifestyle in the event of such uncertainties.

Up To 3 Times Your Capital Sum Insured for Accidental Death & Permanent Disablement
In the unfortunate event of death or permanent disablement, your loved ones may be left with no financial support especially if you are the sole bread winner. This lump sum payout will help ease hefty medical bills and take care of your family’s future finances.

If you are a passenger in a public conveyance or private motor car, or an authorized driver with a valid driving licence driving your private motor car during the accident, you will receive double# your capital sum insured.

In the event that the accident happened when you were a passenger or crew member of an aircraft or helicopter, you will receive triple your capital sum insured.

#Capital sum insured will not be doubled for motor cycling accidents.

Guaranteed Acceptance
As long as you’re between 17-65 years old and are free of mobility problems and physical disabilities, acceptance into this plan is guaranteed.

Cover Your Child For Free
Cover yourself and/or your spouse with Essential Protector and your child (below 17 years) will be granted free cover for Accidental Permanent Disablement. Best of all, this free cover is extended to not just one but for all your children.

5% Renewal Discount
Enjoy a 5% renewal discount every year regardless of your claim status from the 2nd year onwards.

Sign up now and be rewarded
Cover yourself and your whole family under Essential Protector now and enjoy added assurance with this complimentary First Aid Kit that's ideal for use at home or during travel. Gifts are limited!

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If you are interested, please let me know. I can mail out the hardcopy brochure to you.
Thanks.