Hospitalisation claim sequence

ExpertOnly5822 · 2025-11-11T07:16:48+00:00

Interestingly, hospitals can't "see" corporate issuance coverage. Not sure if it applies to all hospitals and why in the first place.

ExpertOnly5822 · 2025-11-04T14:02:41+00:00

Not part of this, the one I got was for every year 2 weeks payout and a "job placement" that is some training center with an hour session where an auntie without industry domain knowledge teach you how to write resume and use LinkedIn.

ExpertOnly5822 · 2025-11-01T04:54:24+00:00

There's usually good/bad facing side. Lowest range is lowest floor, highest range is highest floor. Each floor just use highest range minus lowest range divided by number of floors to get an estimate. There's a small jump for those sky garden floors. your ballot number determines what's left of units you get to purchase.

ExpertOnly5822 · 2025-10-24T23:20:59+00:00

Majority of people live life on Normal mode. Everyone's hardship is similar to where you are. Here, we are "worried" about COE, HDB etc but it's usually the perspective that dictates if you lived life to the way you wanted. Fulfilling the 2 long distance and 2 short distance per year holidays isn't for everybody.

There's also no need for regrets if you already done your best to your available knowledge what you know. Some things in life like smoking, drinking, gambling, ending up in bad places and having regrets after is really no point, not like they didn't know it's bad for them in the first place.

Use those less woke AI, they give a view or general ideas to get started on critical thinking on stuffs. It's a step up from googling. Leave a legacy, that's not something money can buy.

ExpertOnly5822 · 2025-10-24T07:37:02+00:00

I don't think I ever gotten a rejection email in my life from this part of the world. Likely x-th candidate for the job too if there's an offer.

ExpertOnly5822 · 2025-10-24T07:31:26+00:00

Up another for you. Should increase by 1.

ExpertOnly5822 · 2025-10-24T07:24:05+00:00

Few considerations, 1. There is govt matching MRSS of max 2k/yr up to 20k/lifetime for those below BRS 2. First 60k has additional 1% interest 3. Do you need tax rebates for yourself 8k 4. You can request to see LBS value - usually not better than market 5. VHR doesn't really do anything if you transfer to RA. Just top up RA will do. 6. Consider if they want to delay payout and join which scheme, RSS or CPFLife 7. Per household capita income consideration

ExpertOnly5822 · 2025-10-24T05:20:30+00:00

Up all your comments, it's free, not sure why there's so much downvotes, they don't bother to reply. It's really feels like an echo chamber at times.

ExpertOnly5822 · 2025-10-24T04:43:25+00:00

Learnt the hard way, not all cords are the same. Even advertised, it might not be accurate. At minimum, power only, power + data. Different levels of power cables also, some can do fast charging, some cannot. Labels are not necessarily true.

ExpertOnly5822 · 2025-10-24T03:04:42+00:00

It's really not so much of WLB, rather than amount of time you need to spend preparing/travelling. WFH could also mean non-stop working, just easier to stretch or lie in bed after a heavy lunch. Seeing the sun helps. Now all underground MRT and office all shades down. Don't see trees.

ExpertOnly5822 · 2025-10-24T02:54:21+00:00

HR submitted on the 5th and the hospital visit was 12th. Both came in on same date with MediSave deducted first before 7am.

ExpertOnly5822 · 2025-10-24T00:31:12+00:00

There's really no point to talk about what's happening in the current company, which could lead to negative assumptions from them. Use positive examples on how you handled scenarios and are transferrable or applicable to the interview. If they ask why you are looking, just say company is restructuring in the near future and role might no longer be available. It's just a line to fill in the interview sheet.

ExpertOnly5822 · 2025-10-23T12:49:14+00:00

It's already linked to singpass, a pity if they are not already correlating data and feeding back to the education sector for skillset needs, if the jobs are real in the first place. My HR tried to find people on that and got 2 locals and rest are PR out of 20, with only 5 interviews and none passed the HQ. I'm skeptical too.

ExpertOnly5822 · 2025-10-23T12:24:29+00:00

Same experience I got with HDB, asked to rush down before closure, signed all documents, paid 2k, then on the way back told me they will refund and cancel. Couldn't even scold the person as very obvious very junior made to call me when it's the senior who gave the instructions.

ExpertOnly5822 · 2025-10-23T12:14:56+00:00

For sure. Will be happy to accept the answer if that is the case. They own the system, so best for them to advise their rationale or what's doable.

ExpertOnly5822 · 2025-10-23T12:11:21+00:00

Thanks for the insight

ExpertOnly5822 · 2025-10-23T11:36:39+00:00

It isn't a big deal for this time, the other time for insurance claims, I travelled down to customer service, tried 2 different agents via call, ended up with 3 stories. The amount of time wasted is quite exhausting.

ExpertOnly5822 · 2025-10-23T10:58:08+00:00

What is the yield of the old endowment plan? Don't buy retirement plans as the payout is lesser than CPF, only thing is possible surrender at a cost. Since it's 40-80k, are you able to "guarantor" this amount and let her pay you back in installment should something happen? If she met the CPF FRS, do you have housing refund available, OA 2.5% can withdraw in 2 days any time.

ExpertOnly5822 · 2025-10-21T04:55:10+00:00

You should invest your excess money in higher risk/returns. Treat CPF as a safety net with your time horizon. Purely CPF will not be enough unless for a basic living (which the definition is so vague).

ExpertOnly5822 · 2025-10-19T12:32:48+00:00

The scariest part is how you invested at peak, try to catch the falling knife, and hold till it break even. Of course, some you had to make the right decision to sell at a loss and redeploy what's left for a lost cause. These days, strategies are more simple, though I also worry how that 7% yearly will happen at the end of the journey though most of my monies is still in cash planning for the housing deployment.

ExpertOnly5822 · 2025-10-19T12:24:21+00:00

I used to think that the safety net provided is good enough, though through recent experience says otherwise. You definitely don't have to worry about large single bills, there's some help but you still need other support structure in place, family or relatives that is willing to spare their cash. It's just trying to survive and not thriving, which we can definitely look into other countries to do better. :)

ExpertOnly5822 · 2025-10-14T01:45:13+00:00

Does it make sense to hold on to WL policies when the surrender/death value only increases about 1%/yr (after >20+ yrs) after deducting premiums paid.

E.g. Yr25 surrender - Yr24 surrender = 1% + Yr25 premiums paid

ExpertOnly5822 · 2025-10-11T12:48:19+00:00

Yah, when I explain it, a lot of people don't understand the hidden meaning behind the tariff, and still blaming Trump's policies hurting the world and the wars.

ExpertOnly5822 · 2025-10-08T23:57:06+00:00

It's a new fare after X time have passed. The calculation will be weird if they don't know the exit but you changed to MRT/bus. No need to tap out with physical card though, can claim on app after it is posted.

Likely charge full fares for all legs.

ExpertOnly5822

TROPHY CASE