Insurance Today

Warren Buffett. Benjamin Graham. Peter Lynch. Philip Fisher. George Soros. John Templeton. Where are the females among the world's most recognised investment legends?   A look at Investopedia's list of the world's greatest investors shows that there's none. Among the money managers, only 2% of hedge funds are run by women, although a large percentage of them are in the top performers of the last 10 years.  One of them is Lauren Templeton. As the great-niece of respected investor Sir John Mark Templeton, Lauren grew up learning about investing as a young girl, and benefited personally from her Uncle John, whom she described as "strict but very kind" whenever he taught her. She shared about how she used to have really weird meeting appointments scheduled with him, such as from 2.17pm to 2.48pm, and that the atmosphere was really tense because she could just feel the limited time she had with him. On one occasion during a meeting with him, he slid across her prin...

With laser treatments becoming increasingly popular these days, a friend of mine asked me if I thought it was worth the hype.  I've always thought facials were a waste of money, especially when you can DIY at home, but laser facials?  With the advancements in technology, I don't believe that there isn't a solution for skincare problems today. Although I've known of lasers since a decade ago, the technology back then was still fairly new, and so costs were extremely exorbitant as well. Thankfully, with lasers becoming more common today, costs have become a lot more affordable and anyone with skincare issues no longer need to spend an arm or a leg before they can seek treatment.  Most facial treatments go like this: cleanse --> exfoliate --> extraction --> mask --> toner --> serum --> moisturiser. You can easily replicate that at home. In fact, for the cost of your 10-session facial package, you can buy the products outside yourself which costs you lesse...

Now that a brand new year has started, this is the time where many people typically decide to improve their personal finances as part of their New Year's resolutions. One popular savings challenge that has been attempted for many years is the classic 52 week money challenge: Week 1: Save $1 Week 2: Save $2 Week 10: Save $10 Week 30: Save $30 Week 52: Save $52 By the end of the year, you would have saved an extra $1,378.  While I think this is a great way to get started on your savings, I'm not the biggest fan of this particular challenge because why settle for $1.3k when you can save far more? How about joining me on a 12-month transformation instead to transform your finances? I promise to keep it easy for you to follow. (The relevant links are tagged for your additional reading.) January :  Put your holiday bonus to good use! Use one-third of the money to reward yourself, another one-third to pay off your debt, and put the rest in your savings. If you didn't get a bonus i...

Last year, I gave out a free financial pack to readers, challenging you guys to kickstart your financial journey and make 2016 the year you got your finances in order . Over hundreds of you emailed me asking for the list of resolutions, with some of you mentioning that you wanted to print and put it in your wallet as a daily reminder. I'm looking at this list again now and I still find this a great list for anyone looking to clean up their personal finance and start off on a fresh start. As we already know, saving money is the first step towards becoming financially free. I then added in the concept of building up an emergency fund, with $10k as the proposed figure, so that you'll always have a few months of financial buffer no matter what life throws your way. And to make sure you're shielded for any unfortunate events, it is crucial to get adequate insurance cover. (Note the keyword "adequate" instead of "excessive" or "redundant"!) You shoul...