Insurance Today

BB, what stock can I invest in that is low risk and high returns? That's one of the most common questions I get from readers and probably one of the most difficult to answer. Everyone has a different interpretation of "low risk" and "high returns", but in my case, the answer to the above question almost always comprise of value stock i.e. stocks that trade at a discount to what they're really worth. Sometimes this comes in the form of properties. Last month, I shared on my Patreon about a property stock which I found that was trading at a 77% discount to their book value of their cash and properties alone. Their price-to-earnings ratio at my time of purchase was also extremely compelling, at just 3.2X! I did a full analysis and wrote a piece to consolidate my thoughts on the stock, and once I was done, I was in. I couldn't possibly pass on something so cheap! But sometimes cheap stocks can remain cheap for long, or even crash...because they might be a ...

How do you know if your dentist is licensed to provide dental services in Singapore? I usually look out for their practising certificate and professional qualifications. If those are not available and I'm in doubt, I do a quick check on the Singapore Dental Council's public database here . Recently dental veneers administered by a Bibi Zhu caught my attention after I saw it being promoted by various influencers here in Singapore on Instagram. As I mentioned previously, I avoided the Beautiful Teeth Whitening Kit like the plague when it went viral (also largely because various influencers were promoting it), as I suspected that it contained an exceedingly high level of hydrogen peroxide in order to achieve that sort of whitening effect and believed that could only be supplied through registered dentists instead of a DIY kit made and sourced from China. Yet at that time, some of the influencers who were promoting and selling it claimed that it did not contain hydrogen peroxide at...

Does anyone still remember Slim10? The notorious dieting pill, produced by a manufacturer in China, led to various cases of thyroid problems, liver failure and even deaths throughout Asia among people who had consumed it. 2 harmful substances (fenfluramine and nicotinamide) were later detected, as well as traces of 2 other banned substances (thyroxine and triiodothyronine); all of which were not listed in the ingredients list submitted to HSA. Now, I want you to take a close look at what happened to the distributors who were responsible for selling the pills: Screenshot from MustShareNews Now, you would think Singaporeans would have learnt to be more careful of diet pills by now, much less the ones that are sold online instead of through a reputable healthcare or medical store, but apparently that's not the case. With the rise of lifestyle influencers marketing slimming pills and consumables on their Instagram, I can't help but wonder whether these products are TRULY safe, and ...

Wow, I wasn't expecting so many of you to appreciate my previous post on reducing your income tax - thanks for the support! Remember to maximise your tax reliefs and deductions every year, so you'll end up saving up to thousands of dollars with just a few minutes of work! To all the new readers who just visited this space because you got directed here from Ho Ching or IRAS, hello! Anyway, as a continuation to the earlier post, now that we've explored the various ways to reduce our income taxes, the next step to look at would be the mode of payment. Should you opt for monthly repayments or a one-time yearly bill? Should you use GIRO or your credit card? Unfortunately, if you've ever tried paying for your cashback with your credit card in a bid to earn cashback or miles, you would have probably realised by now that tax payments (as well as that to government organisations) are usually excluded from these rewards. Even the SCB Unlimited Cashback card, which I've previo...