Ferrari Me (Ferrarilim)

My Takeaway: 1. As the 25yo is a long runway to protect, it may be worthwhile to Surrender the Manulife Wholelife policy, and topup to buy SingLife-Aviva (but minimum assured: $500k) Why would I consider switching or Surrender ManuLife Whole/Life? 2. I compare Surrender Value of Wholelife Insurance for INCOME & Manulife: > Manulife drops its SV from projected $39k to $29k @25yo. > INCOME SV remains unchanged as illustrated in initial buy. 3. INCOME CI though limited pay premium, it gives x3.5 coverage from age 25 to 70 at $350k CI, its total lifetime premium is most expensive. 4. SingLife-Aviva offers best CI value, one should not put all into one basket. Imagine the insurer collapses during her lifetime! 5. Early CI coverage is expensive. Afternote: 1. I realised that her Manulife w/life @Year25 has already achieved cost breakeven!  Total Premium paid: $24.2k Net SV @25yo: $29k 2. It may be worthwhile to be $1M wholelife policy which offers Lifetime CI rider.  ...

  Critical Illness (CI) coverage 1.   Three things I consider when buying Termlife CI: a. Coverage duration: b. Lifetime annual or total premium c.  Late or early stage CI coverage Others: d. CI list coverage e. Got Cashback / SV ? f.  Multi-stage Coverage 2.  I compare cost, upto age 85yo coverage duration: - FWD TermLife CI, - INCOME Ltd Pay VivoLife, - SingLife-Aviva TermLife CI. - MANULIFE W/Life insurance w CI (99yo) rider For a 25yo assured as illustration, 1. FWD TermLife CI: $40.60 p.m. fixed premium Total lifetime premium cost: $40.60 × 12 x (85-25) = $29.23k 2. INCOME Ltd Pay 10yo TermLife CI VivoLife: Total lifetime premium cost: $411 x 12 x (35-25) = $49.14k 3. SingLife-Aviva TermLife CI MyProtector: Lifetime lock-in annual premium:$21.20 p.m. Total lifetime premium cost: $21.20 x 12 x (85-25) = $15.26k 4.  ManuLife Wholelife insurance, with CI rider: Lock-in monthly premium: $80.50 p.m. Total lifetime premium cost: $80.50 x 12 x (85-25)...

Diferences between NETS PayWave and NETS FlashPay - NETS PayWave is a contactless payment method linked to your bank account, while NETS FlashPay is a stored-value card that can be topped up. - NETS PayWave is accepted globally, while NETS FlashPay is mostly used in Singapore. - NETS PayWave has better rewards, while NETS FlashPay is more convenient for public transport and retail purchases. - NETS PayWave requires a PIN or signature, while NETS FlashPay transactions are typically capped at SGD 100. ~~~~ - NETS PayWave is linked to your bank account, while NETS FlashPay is a prepaid card.

 1. My Singnet Home Fiber Broadband Services ends today (11Jun 24) Today my Home Singnet Fiber Broadband was officially terminated. (End of monthly payment cycle) I have since been using 200GB Mobile Hotspot in place of my Singtel Home Fiber Broadband from 1 Jun 24. My SIMBA home broadband has been running for 10 days @200GB $12/month on 5GB @150Mbps download speed. As at yesterday, Estimated data usage: 80GB out of 200GB.(Day 11) Initially my D2 complained about 2-bar Signal strength.  But I relocated my phone to beside her bedroom, she is now receiving 4-bar signal. ~~~~ 2. MYSINGNET email account My SINGNET.COM.SG account which served me since 1996 was terminated this morning on 11 Jun 2024. Not to worry, I have successfully updated easily: * Local n Overseas Banks on my NEW email. * Affected utility & other services provided. * Singpass new email also updated. ~~~ 3. Choice of Portable Mobile Router Yesterday at Xiaomi Roadshow, I was recommended: - TP-Link M7200 @$89...