http://tankinlian.comTan Kin Lian believes that the Internet provides a great opportunity for business enterprises to improve its productivity and customer service. He is developing many web and mobile applications to help business enterprises to achieve this goal.Here are some tips for a person who wishes to learn about trading in currencies.http://tankinlian.com/Latest.aspxFri, 18 May 2012 09:19:39 GMTMany consumers do not realize the importance of understanding compound interest. This may change their perception!http://tankinlian.com/Latest.aspxWed, 16 May 2012 08:42:21 GMTThis is an actual case. Mr. X had a dispute with the driver of the other vehicle on the liability for an accident. What should Mr. X do?http://tankinlian.com/Latest.aspxWed, 16 May 2012 06:57:31 GMTConsumers who wish to invest in the Straits Times Index ETF and are not able to pass the online test now have an alternative way to make this investment.http://tankinlian.com/Latest.aspxWed, 16 May 2012 03:32:09 GMTThis portal allows insurance agents to keep details of their prospects and to follow up through the various stages of the sales cycle.http://tankinlian.com/Latest.aspxMon, 14 May 2012 08:59:19 GMTHere are some ways for consumers to be financially savvy and to earn much more on their investments.http://tankinlian.com/Latest.aspxMon, 14 May 2012 07:17:01 GMTThis portal show the bank codes used in various countrieshttp://tankinlian.com/Latest.aspxMon, 14 May 2012 03:23:30 GMTThis portal allows a customer to prepare electronic payments and to login to their bank to transfer the payment requests.http://tankinlian.com/Latest.aspxMon, 14 May 2012 03:20:54 GMTHere are consumers who deserved to be ripped off, for being lazy and ungrateful.http://tankinlian.com/Latest.aspxFri, 11 May 2012 06:59:02 GMTThis portal allows the public to view information provided by corporate bodies and to submit online forms to the corporate body.http://tankinlian.com/Latest.aspxThu, 10 May 2012 08:53:59 GMTThis is an website for online training courses.http://tankinlian.com/Latest.aspxWed, 09 May 2012 12:29:57 GMTThis guide explains to the staff of the corporate on how to upload information and process the online forms.http://tankinlian.com/Latest.aspxWed, 09 May 2012 05:58:10 GMTThis website allows the public to prepare their electronic payments and connect to the bank to make the payments.http://tankinlian.com/Latest.aspxWed, 09 May 2012 04:27:35 GMTMr. Chan T F retired at age 65 in 2002. He was badly advised on several investments by a bank. After investing for 10 years in 4 products, he still made a loss, after deducting the interest that he had received. He wrote this complaint to describe his experience. He has spoken on a video which will be uploaded soon.http://tankinlian.com/Latest.aspxTue, 08 May 2012 07:23:40 GMTWhen doctors get very sick, they decide whether or not to go for treatment. If the chance of survival is small, they prefer not to be treated.http://tankinlian.com/Latest.aspxSat, 05 May 2012 21:43:22 GMTHere is the soft copy of the powerpoint used for the talk.http://tankinlian.com/Latest.aspxSat, 05 May 2012 12:21:53 GMTHere is a dangerous ponzi scheme in gold bars. The company continues to grow for the past two years. It will eventually collapse, and bring losses to many investors.http://tankinlian.com/Latest.aspxWed, 25 Apr 2012 14:54:32 GMTIn this letter to the Pro-Enterprise Panel, I suggested an easy way for the public to make online payment. I hope that the Panel will encourage government agencies to adopt this suggestion.http://tankinlian.com/Latest.aspxWed, 04 Apr 2012 03:14:18 GMTI wrote to DBS, about the difficulty in using their DBS Ideal for business customers. All I wanted was to use the internet banking payment to reduce the need to send out checks. The trouble that I went through was unimaginable. I write to create awareness of this kind of problem which is creating a lot of unnecessary work and hassle, wasting a lot of expensive time.http://tankinlian.com/Latest.aspxTue, 27 Mar 2012 08:44:57 GMTThis document explains the functions of the prototype portal that can be used by the government of a town to interact with the citizens. The portal can be accessed at www.easyapps.sg/egov2http://tankinlian.com/Latest.aspxWed, 14 Mar 2012 04:48:41 GMThttp://tankinlian.com/Latest.aspxTue, 13 Mar 2012 09:26:49 GMThttp://tankinlian.com/Latest.aspxTue, 13 Mar 2012 07:56:51 GMTTake Bus 410 opposite Bishan MRT and alight at bus stop outside Ai Tong Primary School and walk to Midview Cityhttp://tankinlian.com/Latest.aspxMon, 12 Mar 2012 22:36:02 GMTThis article is from a contributor who prefer to remain anonymous. He puts forward the view that the cap on interest rate imposed for loans given to low income borrowers will actually work to their disadvantage as the licensed money lenders will find it not viable. The low income borrowers will have to turn to illegal loan sharks.http://tankinlian.com/Latest.aspxSun, 11 Mar 2012 08:26:35 GMTDirect Asia explains their approach towards No Claim Discount on motor insurance and also the practice of the market. A policyholder will lose the NCD when he reports an accident and is assessed to be liable for the accident, whether or not a claim is actually received. However, if he is not liable, he can still make a claim and will not be penalized for the NCD.http://tankinlian.com/Latest.aspxFri, 09 Mar 2012 09:01:26 GMTThis guide shows how to play the Business Simulation Game (BEST)http://tankinlian.com/Latest.aspxThu, 01 Mar 2012 17:04:48 GMTThis is a card to be given to customers. It shows how to book a taxi using a mobile browser to access TABS.http://tankinlian.com/Latest.aspxSat, 25 Feb 2012 01:45:09 GMTis it better to have a Value Added Tax (such as GST in Singapore) or a Sales Tax? My answer is - let us move away from the consumption tax and get back to the tax on income.http://tankinlian.com/Latest.aspxWed, 22 Feb 2012 23:11:04 GMTThis portal allows a SME to keep its accounting and staff administration. Each SME creates an account and have its separate database.http://tankinlian.com/Latest.aspxThu, 16 Feb 2012 08:34:06 GMTThis is the brochure for customers to book a taxi using the browser of a smart phone or an iPhone app.http://tankinlian.com/Latest.aspxThu, 02 Feb 2012 07:48:55 GMTThis is the Chinese brochure of the Taxi Booking system - for taxi drivers.http://tankinlian.com/Latest.aspxThu, 02 Feb 2012 07:42:47 GMTThis brochure is for the latest version of Taxi Booking. It is for taxi drivers.http://tankinlian.com/Latest.aspxThu, 02 Feb 2012 07:22:09 GMTShould a country introduce a national health insurance system, and which model works best?http://tankinlian.com/Latest.aspxWed, 01 Feb 2012 04:53:17 GMTA project team in NUS Business School asked my views about the possibility of buying insurance online and the need for reinsurance.http://tankinlian.com/Latest.aspxWed, 01 Feb 2012 04:03:40 GMTHere are some tips on how you to make a claim on your health insurance policy and avoid the nasty surprise to find that you cannot get reimbursed for a significant part of your hospital billhttp://tankinlian.com/Latest.aspxTue, 31 Jan 2012 07:29:32 GMTAre you aware about the high cost of health insurance? The premium to cover age 1 to 75 years, including interest of 4% on the premium, can accumulate to $280,000. Do you expect your medical bill to cost more than this? Is it prudent to spend so much on your health insurance?http://tankinlian.com/Latest.aspxSun, 29 Jan 2012 06:57:27 GMTMany people have asked for my advice on how to get the appropriate health insurance to cover their medical expenses when the are old. Here is my advice. Be ready for some surprise!http://tankinlian.com/Latest.aspxSun, 29 Jan 2012 03:05:15 GMTYou have to present the full facts before you ask someone for advice or guidance.http://tankinlian.com/Latest.aspxThu, 26 Jan 2012 05:38:37 GMTHere are some suggestions to deal with the problem faced by many cash strapped people who need their CPF savings at 55, and do not like to see the money locked up in the CPF Minimum Sum Scheme.http://tankinlian.com/Latest.aspxThu, 26 Jan 2012 05:38:08 GMTIn 2004, Lee Hsien Loong, the then Finance Minister, promised a better yield for CPF members by introducing private pension schemes. This suggestion was covered in this report.http://tankinlian.com/Latest.aspxThu, 26 Jan 2012 05:37:37 GMTCPF took a full page advertisement to advice members to top-up their CPF account. I wish to share my experience. The online process does not work. I was also confused with the administration charge.http://tankinlian.com/Latest.aspxThu, 26 Jan 2012 05:37:16 GMTThis table shows the top 40 blue chips in Singapore. Of special interest are the drop in price from the recent high and the dividend yield.http://tankinlian.com/Latest.aspxThu, 26 Jan 2012 05:36:19 GMTA beginner's guide to investing in gold.http://tankinlian.com/Latest.aspxThu, 26 Jan 2012 05:35:53 GMTSingapore has become more costly than Hong Kong for many products that are manufactured in China and other countries. GST adds 7% to the cost of buying a product in Singapore (and Hong Kong has no GST) but imposes an additional cost due to compliance. Here is a way to reduce the compliance cost and make Singapore businesses more competitive.http://tankinlian.com/Latest.aspxWed, 25 Jan 2012 09:38:51 GMTYou can use this financial planning tool to carry out a projection of your savings and investment yield, net of inflation. This tool helps you to make the right decision for your future.http://tankinlian.com/Latest.aspxWed, 25 Jan 2012 08:16:46 GMTHere is a way for someone to start a new business as an entrepreneur and achieve a greater chance of success and without the need for a large capital. You only need to have an idea, the passion and the willingness to slog it out.http://tankinlian.com/Latest.aspxTue, 24 Jan 2012 01:50:54 GMTI find the basic salary for ministers to be acceptable, but a high rate of bonus based on performance is bad. "Pay for performance" has its negative impacts, especially in the public sector, and has developed a bad culture in Singapore.http://tankinlian.com/Latest.aspxMon, 23 Jan 2012 02:44:18 GMTI share this story of how a retired school teacher was almost cheated of a large sum of money by investing in gold bars at an inflated price. This type of scam is being applied to other products, such as industrial oil.http://tankinlian.com/Latest.aspxMon, 23 Jan 2012 01:28:26 GMTWhat are the pitfalls to watch out when you invest in overseas properties? Is there a safe way to invest to benefit from the appreciation of properties, when the economy grows in these countries?http://tankinlian.com/Latest.aspxSun, 22 Jan 2012 08:26:40 GMTWhat is the best way to invest your savings during the uncertain global environment? Should you invest in gold? What are safe investments that can give a better yield than government bonds and bank deposits? Here are 12 important points for you to ponder.http://tankinlian.com/Latest.aspxSun, 15 Jan 2012 03:22:27 GMTMailer allows an organization to create marketing letters, send them to a mailing list, track the replies from the recipients, send the letter again to those who did not reply and send a follow-up letter to those who replied "yes".http://tankinlian.com/Latest.aspxFri, 13 Jan 2012 02:16:02 GMTThis user guides shows how the public can access the portal and how the service provider can provide alerts and update messages to the portal.http://tankinlian.com/Latest.aspxFri, 13 Jan 2012 00:37:30 GMTThis app allows service providers to send alerts to their customers about breakdown in service.http://tankinlian.com/Latest.aspxTue, 10 Jan 2012 11:02:39 GMThttp://tankinlian.com/Latest.aspxTue, 10 Jan 2012 03:05:34 GMTHere are what Singaporeans expect for the future elections in Singapore.http://tankinlian.com/Latest.aspxSun, 08 Jan 2012 15:24:58 GMTHere are some tips on when to self-insure (i.e retain) and when to insure the risk.http://tankinlian.com/Latest.aspxFri, 30 Dec 2011 09:03:54 GMTA portal for consumers to make payments to businesseshttp://tankinlian.com/Latest.aspxWed, 28 Dec 2011 13:50:06 GMTHere are the views of 40 people concerning the quality of taxi service in Singapore and suggestions for changes to the system.http://tankinlian.com/Latest.aspxWed, 28 Dec 2011 07:48:16 GMTFind out what the respondents felt should be the appropriate cut in the Prime Minister's salary and what they think will be recommended by Gerard Ee's committee. There is a big gap.http://tankinlian.com/Latest.aspxWed, 28 Dec 2011 07:48:07 GMTThis portal is for organisations to received request from customers and respond to themhttp://tankinlian.com/Latest.aspxWed, 28 Dec 2011 03:27:56 GMTInsure 21 User Id: Staff Password: 123456http://tankinlian.com/Latest.aspxTue, 27 Dec 2011 09:32:39 GMTCarry out a fair ballot to pick the selected winners from a larger group.http://tankinlian.com/Latest.aspxTue, 27 Dec 2011 09:32:27 GMTThis application allows users to give their views in a forumhttp://tankinlian.com/Latest.aspxTue, 27 Dec 2011 09:32:15 GMTTo carry out surveyshttp://tankinlian.com/Latest.aspxTue, 27 Dec 2011 09:32:05 GMTThis is the proposal for the FYP project for Family Life.http://tankinlian.com/Latest.aspxTue, 27 Dec 2011 09:31:56 GMTAllows public to send their journeys to be matched with other commuters living nearby.http://tankinlian.com/Latest.aspxTue, 27 Dec 2011 09:31:43 GMTThis portal is for many travel agencies to use.http://tankinlian.com/Latest.aspxTue, 27 Dec 2011 09:31:33 GMTFund accounting User Id: JJ Password: 123456http://tankinlian.com/Latest.aspxTue, 27 Dec 2011 09:31:16 GMTThis portal is for an association to keep a record of members and to communicate with members.http://tankinlian.com/Latest.aspxTue, 27 Dec 2011 09:31:01 GMTA prototype system to make payments using mobile phones.http://tankinlian.com/Latest.aspxTue, 27 Dec 2011 09:30:53 GMTTuition Portalhttp://tankinlian.com/Latest.aspxTue, 27 Dec 2011 09:30:42 GMTNew ishop applicationhttp://tankinlian.com/Latest.aspxTue, 27 Dec 2011 09:30:34 GMTThis is a demo version of the software for the Flexi Life policy that provides low cost insurance and investment funds.http://tankinlian.com/Latest.aspxTue, 27 Dec 2011 09:30:25 GMTThis portal is for an organisation to put up its corporate manual for reference by its staff at various levels.http://tankinlian.com/Latest.aspxTue, 27 Dec 2011 09:30:15 GMTA system to make payments into coop societies worldwidehttp://tankinlian.com/Latest.aspxTue, 27 Dec 2011 09:29:59 GMTThis is the medical portalhttp://tankinlian.com/Latest.aspxTue, 27 Dec 2011 09:29:47 GMTThis portal is for sellers to put up their ads and for the public to search for the products and services that they need. It will be launched in October 2010.http://tankinlian.com/Latest.aspxTue, 27 Dec 2011 09:29:40 GMTThis application is for an insurance company to manage its risk accumulation in block cards.http://tankinlian.com/Latest.aspxTue, 27 Dec 2011 09:29:31 GMTBusiness simulation gamehttp://tankinlian.com/Latest.aspxTue, 27 Dec 2011 09:29:21 GMTThis is the prototype of a portal that can provide e-government services to the citizens of a town.http://tankinlian.com/Latest.aspxTue, 27 Dec 2011 09:29:10 GMTThis is a prototype for SG Mail - to allow consumers to open an account to receive business mail and pay billshttp://tankinlian.com/Latest.aspxTue, 27 Dec 2011 09:28:59 GMTGet data of potential customers for your marketinghttp://tankinlian.com/Latest.aspxTue, 27 Dec 2011 09:28:51 GMTThis is a prototype portal for the government of a city or state. It allows the citizens to get information about the services provided by government agencies, to submit applications and to communicate with the agencies (same as Bright Town portal)http://tankinlian.com/Latest.aspxTue, 27 Dec 2011 09:28:42 GMThttp://tankinlian.com/Latest.aspxTue, 27 Dec 2011 09:28:13 GMTApplication for agent of insurance company.http://tankinlian.com/Latest.aspxTue, 27 Dec 2011 09:28:03 GMTThis website allows articles to be discussed, voted and publicised.http://tankinlian.com/Latest.aspxTue, 27 Dec 2011 09:27:42 GMTThis is a taxi booking system using smart phones by taxi driver and customer. No need for any expensive software by taxi company.http://tankinlian.com/Latest.aspxTue, 27 Dec 2011 09:27:35 GMTA CRM and leads generation system for a marketing agencyhttp://tankinlian.com/Latest.aspxTue, 27 Dec 2011 09:27:27 GMTMy comment on the remarks by Tan Jee Say in his book - for one person to withdraw from the Presidential Electionhttp://tankinlian.com/Latest.aspxSun, 18 Dec 2011 02:50:39 GMTFlowchart of an electronic payment systemhttp://tankinlian.com/Latest.aspxFri, 16 Dec 2011 13:05:40 GMTThis is a flowchart of the taxi booking systemhttp://tankinlian.com/Latest.aspxFri, 16 Dec 2011 10:41:56 GMTThis application allows an insurance company to issue and administer group insurance.http://tankinlian.com/Latest.aspxTue, 13 Dec 2011 07:29:05 GMTTaxi booking consolehttp://tankinlian.com/Latest.aspxTue, 13 Dec 2011 06:27:04 GMTThis is an example of exemplary service provided by a customer service supervisor at the airport. It shows what can be done, when employees are allowed to use their judgement and take the initiative.http://tankinlian.com/Latest.aspxSun, 11 Dec 2011 01:32:27 GMTThis is the flowchart of the taxi booking system using the smart phone.http://tankinlian.com/Latest.aspxThu, 08 Dec 2011 13:19:00 GMTThis is a group insurance system for an insurance company to improve productivity and reduce expenses in offering insurance to low income people in many large countries.http://tankinlian.com/Latest.aspxThu, 08 Dec 2011 01:48:42 GMTThis is a report of the trial phase of the taxi booking system held during August to December 2011.http://tankinlian.com/Latest.aspxTue, 06 Dec 2011 07:32:41 GMTThe 4 books will be offered at a special pricehttp://tankinlian.com/Latest.aspxTue, 06 Dec 2011 03:49:29 GMTThis is a front end system to improve the productivity of the agents in an insurance company.http://tankinlian.com/Latest.aspxSun, 04 Dec 2011 08:19:29 GMTThere will be a sale of books at the office of Tan Kin Lian & Associates in Midview City on 15 & 16 December 2011. Discounts of 50% will be given.http://tankinlian.com/Latest.aspxSat, 03 Dec 2011 23:56:18 GMTRead these tips to get an idea about the important risks that you have to take care of, and how to make the right decisions.http://tankinlian.com/Latest.aspxMon, 21 Nov 2011 04:06:59 GMTGiven the uncertainty in the global financial and economic environment, how should ordinary people invest their long term savings to earn an adequate income and to cope with the higher rate of inflation expected in the next few years?http://tankinlian.com/Latest.aspxFri, 18 Nov 2011 04:36:10 GMTHere is an updated guide on how to buy Term Insurance in Singapore and the factors to take into account,http://tankinlian.com/Latest.aspxFri, 18 Nov 2011 03:31:53 GMTAn investor found that this investment is quite risky, and decided to skip it. The gold bar is being sold at an inflated value.http://tankinlian.com/Latest.aspxWed, 16 Nov 2011 05:35:43 GMTMr. Tan advise on the points that you should consider before investing in foreign currency deposits.http://tankinlian.com/Latest.aspxFri, 11 Nov 2011 00:39:05 GMTHere are some tips on how you can develop your skills in forex trading, without having to pay high fees to attend a course. It also warns you that trading is like gambling, similar to visiting a casino. But it can be fun.http://tankinlian.com/Latest.aspxTue, 08 Nov 2011 01:01:36 GMTThis is a new scam involving delivery of gift. It is being circulated by e-mail.http://tankinlian.com/Latest.aspxMon, 07 Nov 2011 23:37:32 GMTThis article is written by a Bhutanese in reply to Minister Khaw Boon Wanhttp://tankinlian.com/Latest.aspxSun, 06 Nov 2011 05:33:04 GMTI wish to share this important tips for every young family, and for young people who will be started a family a few years later.http://tankinlian.com/Latest.aspxSun, 06 Nov 2011 05:09:39 GMTThis article shows how to calculate the interest rate on installment payments, and how to save on the heavy interest charges.http://tankinlian.com/Latest.aspxSun, 06 Nov 2011 02:28:08 GMTHere are some details on the legal action on Pinnacle Notes being taken in US Courts.http://tankinlian.com/Latest.aspxSat, 05 Nov 2011 12:52:46 GMTHere are a list of contractors for various types of services. They have a website and respond quite promptly to telephone or e-mails,http://tankinlian.com/Latest.aspxTue, 01 Nov 2011 07:52:46 GMTThere are advantages to consumers to have their medical records stored online.http://tankinlian.com/Latest.aspxSun, 23 Oct 2011 16:34:53 GMTA stirring and patriotic song.http://tankinlian.com/Latest.aspxSun, 23 Oct 2011 13:09:34 GMTHere are 3 reasons to top up CPF savings and some tips on choosing between the retirement account and CPF Life.http://tankinlian.com/Latest.aspxSun, 23 Oct 2011 06:33:00 GMTThere is law in USA regarding the rights of patients for access to their medical records and the duty of the health care providers to protect privacy of these records.http://tankinlian.com/Latest.aspxThu, 20 Oct 2011 08:06:53 GMTTemasek offers a 3 year zero coupon bond that allows the investor to convert into shares of Standard Chartered Bank at a premium of 27%. Is this a good investment?http://tankinlian.com/Latest.aspxWed, 19 Oct 2011 04:48:48 GMTHere is a new approach of using the ballot to allocate the available COEs to meet the excess demand.http://tankinlian.com/Latest.aspxTue, 18 Oct 2011 00:28:10 GMTWhat does a teacher really do?http://tankinlian.com/Latest.aspxFri, 14 Oct 2011 02:00:11 GMTHere are suggestions to change the CPF scheme attractive, simple and flexible.http://tankinlian.com/Latest.aspxThu, 13 Oct 2011 02:29:59 GMTHere is a book review by an ex-Investment Banker.http://tankinlian.com/Latest.aspxThu, 13 Oct 2011 00:01:40 GMTHere is a summary of the interest rate on time deposits and mortgage loans offered by several banks in Singapore and the terms for their credit cards. This will be updated monthly.http://tankinlian.com/Latest.aspxWed, 12 Oct 2011 06:32:48 GMTHere are the top 20 REITS available in SGX. It shows the current price, the drop from the recent high, the dividend yield and the gearing ratio.http://tankinlian.com/Latest.aspxMon, 10 Oct 2011 08:28:31 GMTThis is the soft copy of the book. It gives exercises to allow you to improve your vocabulary. It contains 80 puzzles of 20 words each. You can record the time taken to solve each puzzle and the number of correct words.http://tankinlian.com/Latest.aspxFri, 07 Oct 2011 08:28:46 GMTWing Lee Cheong, a Singaporean who has migrated to Canada, share this story about retirement in Canada, compared to Singapore.http://tankinlian.com/Latest.aspxThu, 06 Oct 2011 13:42:09 GMTHere are the top 20 blue chips in Singapore showing the fall from the recent market high and the dividend yield.http://tankinlian.com/Latest.aspxWed, 05 Oct 2011 23:48:04 GMTTest for vocabulary by rearranging the letters on the left to form the correct word that fits the definition on the right.http://tankinlian.com/Latest.aspxSun, 02 Oct 2011 00:24:52 GMTTest for vocabulary by rearranging the letters on the left to form the correct word that fits the definition on the right.http://tankinlian.com/Latest.aspxSun, 02 Oct 2011 00:17:10 GMTMany people find it difficult to choose among the four options given by CPF Life. Many of them do not like the CPF Life scheme for reasons that are peculiar to their personal situation. Here are my suggestions on how to get out of this messy situation.http://tankinlian.com/Latest.aspxWed, 28 Sep 2011 01:49:31 GMTHere is an extract of the Act that identifies practices that are considered to be unfair to consumers.http://tankinlian.com/Latest.aspxSat, 24 Sep 2011 08:52:27 GMTThis is the statement containing information to request for assistance from Tan Kin Lian on insurance claims.http://tankinlian.com/Latest.aspxWed, 21 Sep 2011 09:10:23 GMTHere is a guide on how to the assistance that Tan Kin Lian can give to someone who wishes to seek compensation for bad advice given to the consumer.http://tankinlian.com/Latest.aspxWed, 21 Sep 2011 02:42:12 GMTHere is how you can calculate the yield on an existing life insurance policy for the next 5 years. It helps you to decide on whether to continue or terminate the policy.http://tankinlian.com/Latest.aspxMon, 05 Sep 2011 04:13:57 GMTHow to reply in difficult situationshttp://tankinlian.com/Latest.aspxFri, 02 Sep 2011 06:13:09 GMTThis is the handout of the talk given by FISCA on life insurance. Attend the talk and get a better understanding of how to select the right life insurance policy.http://tankinlian.com/Latest.aspxThu, 01 Sep 2011 00:46:37 GMTThis statement explains the how I managed NTUC Income over 30 years and the key challenges that were faced.http://tankinlian.com/Latest.aspxMon, 08 Aug 2011 23:57:14 GMTThis is the handout for my financial planning talk.http://tankinlian.com/Latest.aspxThu, 04 Aug 2011 00:45:32 GMTHere are some tips on how consumers can approach critical illness insurance.http://tankinlian.com/Latest.aspxTue, 26 Jul 2011 10:08:55 GMTThis letter is published in the Straits Times on 25 July 2011, with minor editing.http://tankinlian.com/Latest.aspxSun, 24 Jul 2011 23:52:46 GMTTalk by Tan Kin Lian to the Marketing Institute of Singapore.http://tankinlian.com/Latest.aspxThu, 21 Jul 2011 09:49:31 GMTA home buyer should not pay more than 5 years of the family income for a property. This article explains the key issues.http://tankinlian.com/Latest.aspxTue, 19 Jul 2011 01:13:35 GMTInstead of buying a life annuity, it may be more advantageous for a retiree to manage his own savings to provide a better payout.http://tankinlian.com/Latest.aspxMon, 18 Jul 2011 07:05:52 GMTHere are some tips for all Singaporeans on how to get adequate savings for retirement. It is especially suitable for young people - as they should start their financial planning of a proper footing. It is also suitable for older people, if they are not already stuck with existing low yield investments.http://tankinlian.com/Latest.aspxMon, 18 Jul 2011 03:04:49 GMTThe Street Tracks STI ETF has been renamed as the SPDR STI ETF on 31 March 2011. Here is the past performance of this ETF as at 20 Jaunary 2010.http://tankinlian.com/Latest.aspxTue, 12 Jul 2011 14:24:50 GMTThis survey covers the concerns of young people and compares the results with the concerns of parents of young people.http://tankinlian.com/Latest.aspxSun, 10 Jul 2011 23:40:33 GMTThis is an introduction PDF of the shape quiz.http://tankinlian.com/Latest.aspxFri, 24 Jun 2011 01:03:17 GMT100 tangram shapes and solutionshttp://tankinlian.com/Latest.aspxWed, 22 Jun 2011 07:55:41 GMTHere are 100 shapes together with the solutions.http://tankinlian.com/Latest.aspxFri, 17 Jun 2011 03:53:19 GMTLyrics of this popular Chinese song in 4 languageshttp://tankinlian.com/Latest.aspxMon, 13 Jun 2011 13:23:35 GMTMany elderly people are worried about the cost of health care. Here are some suggestions on how it can be addressed.http://tankinlian.com/Latest.aspxMon, 13 Jun 2011 03:33:36 GMTThis is a Chinese translation of the statement.http://tankinlian.com/Latest.aspxThu, 09 Jun 2011 16:35:41 GMTStatement by Tan Kin Lian on contesting the Presidential Election.http://tankinlian.com/Latest.aspxWed, 08 Jun 2011 03:46:45 GMTThis is the submission by Tan Kin Lian to the Review Committeehttp://tankinlian.com/Latest.aspxTue, 07 Jun 2011 23:21:24 GMTHere is the CV of Tan Kin Lian up to 2007 - the time of his retirement from NTUC Income.http://tankinlian.com/Latest.aspxTue, 07 Jun 2011 03:26:22 GMTThis paper sets out Tan Kin Lian's ideas of the issues involving in the role of the Elected President in safeguarding the reserves of Singapore and the new approach that can be taken.http://tankinlian.com/Latest.aspxTue, 07 Jun 2011 00:53:20 GMTThere is a difference between people who work together because they share the same values and those subordinates who are really "yes" men.http://tankinlian.com/Latest.aspxMon, 06 Jun 2011 03:14:28 GMTThis is an idea for a new charity to help poor families to pay the school fees and hospital bills of the elderly peoplehttp://tankinlian.com/Latest.aspxSun, 05 Jun 2011 01:21:20 GMTThis is a letter of appreciation for the sacrifice made by Tan Kin Lian to help the investors of the toxic investmentshttp://tankinlian.com/Latest.aspxSat, 04 Jun 2011 14:41:26 GMTI believe in the values of honesty, fairness, courage, positive attitude and public service. It is explained in this paper which I teach my students in Singapore Management University.http://tankinlian.com/Latest.aspxFri, 03 Jun 2011 10:31:49 GMTTan Kin Lian will be submitting a certificate of eligibility but has not decided if he wishes to contest the Elected Presidency.http://tankinlian.com/Latest.aspxFri, 03 Jun 2011 06:46:41 GMTPhotos of fishes under the water [Mike Hansford]http://tankinlian.com/Latest.aspxTue, 31 May 2011 23:43:50 GMTUn Bello Mondo, a beautiful world [Mike Hansford]http://tankinlian.com/Latest.aspxTue, 31 May 2011 23:40:56 GMTMike Hansford contributes this power point showing beautiful buildings in Italy.http://tankinlian.com/Latest.aspxTue, 31 May 2011 23:31:33 GMTMike Hansford contributes this power point containing the wonders of nature - from National Geographic.http://tankinlian.com/Latest.aspxTue, 31 May 2011 23:29:20 GMTMike Hansford sent me this beautiful powerpoint about a picturesque village in Holland.http://tankinlian.com/Latest.aspxTue, 31 May 2011 23:03:18 GMTSome tips on how to achieve more than 100%http://tankinlian.com/Latest.aspxTue, 31 May 2011 12:53:38 GMTProducts for mothers and babies from Pupsik Studioshttp://tankinlian.com/Latest.aspxTue, 31 May 2011 03:17:11 GMTBuy this report for $39 and get information for you to decide on selling, buying or renting a property.http://tankinlian.com/Latest.aspxTue, 31 May 2011 00:22:39 GMT100 people responded to this survey. 65% felt that it is better for more than 1 non-PAP candidates to contest the election.http://tankinlian.com/Latest.aspxMon, 30 May 2011 04:03:59 GMTDr. Tommy Wong offers consultations on personal growth and happiness, based on the concepts in his book, "Wisdom on how to live life".http://tankinlian.com/Latest.aspxSun, 29 May 2011 02:16:03 GMT100 people responded to this survey on Dr. Tan Cheng Bock's bid for the Elected Presidency.http://tankinlian.com/Latest.aspxFri, 27 May 2011 23:22:55 GMTCommon sense has passed away. Read his orbituary.http://tankinlian.com/Latest.aspxThu, 26 May 2011 08:23:29 GMTHere are the views of 97 people to this survey. It also includes their comments and views.http://tankinlian.com/Latest.aspxWed, 25 May 2011 01:23:11 GMTHere are the views of 62 people who participated in the survey on the unexpected resignation of ministers and the sweeping changes in the cabinet.http://tankinlian.com/Latest.aspxTue, 24 May 2011 01:14:21 GMTThere is some optimism and more scepticism on the committee formed to review the ministerial salaries. I wish to share my wishes for the outcomes of the deliberation of the committee.http://tankinlian.com/Latest.aspxMon, 23 May 2011 05:10:42 GMT57 people responded to this survey in two days.http://tankinlian.com/Latest.aspxFri, 20 May 2011 18:33:41 GMTThis is what public service should be. A message for politicians in Singapore.http://tankinlian.com/Latest.aspxFri, 20 May 2011 09:32:13 GMTThis website promotes car pool and a green environment in Singaporehttp://tankinlian.com/Latest.aspxFri, 20 May 2011 07:52:32 GMTHere is a sample property report available from StreetSine for $39. It is useful for a owner who has to decide on the selling or rental price for a private property.http://tankinlian.com/Latest.aspxThu, 19 May 2011 10:59:19 GMTHere is a view of a small man to the changes in the sweeping changes in the cabinet. He pointed out that PM Lee also had to share the blame for the failings during the past years.http://tankinlian.com/Latest.aspxThu, 19 May 2011 08:25:38 GMTA Singaporean who has worked several years in Australia gave this view about the Singapore general election.http://tankinlian.com/Latest.aspxMon, 16 May 2011 04:14:51 GMTThe policyholder was not told about the high management fees and the penalty on early termination.http://tankinlian.com/Latest.aspxSun, 15 May 2011 22:42:48 GMTHere are the views of 30 respondents to the suggestions contained in Tan Kin Lian's open letter to the Prime Minister.http://tankinlian.com/Latest.aspxSun, 15 May 2011 21:48:09 GMTHere are what Singaporeans feel about their decision to leave the cabinethttp://tankinlian.com/Latest.aspxSun, 15 May 2011 12:15:22 GMTHere are some ideas to develop local transport as an integral component of an efficient transport system in Singapore.http://tankinlian.com/Latest.aspxSun, 15 May 2011 05:52:05 GMTHere are some tips to retirees on how to select a good life annuity, i.e. one that gives good value to consumers.http://tankinlian.com/Latest.aspxSat, 14 May 2011 06:41:00 GMTWe can build a better transport system in Singapore, rather than wait 10 years for new MRT lines to be ready.http://tankinlian.com/Latest.aspxSat, 14 May 2011 02:38:10 GMTHere is an overview of Business Mail. It is written for participating businesses and consumers.http://tankinlian.com/Latest.aspxThu, 12 May 2011 03:32:20 GMTThis article explains the share of GST to tax revenue and how it is spenthttp://tankinlian.com/Latest.aspxThu, 12 May 2011 03:12:11 GMTA great performance of Swan Lake. This is the first classical score that I heard 50 years ago, and loved it over the years.http://tankinlian.com/Latest.aspxWed, 11 May 2011 23:55:20 GMTHere are proposals on providing affordable HDB flats to first time buyers.http://tankinlian.com/Latest.aspxTue, 10 May 2011 22:16:58 GMTThe writer gives statistics of the number of household in Singapore in 2000 and 2010 in the lowest and the highest brackets.http://tankinlian.com/Latest.aspxSun, 08 May 2011 13:06:53 GMTHere are 5 lessons that can be learned by observing the results of the general election 2011 [TKL]http://tankinlian.com/Latest.aspxSun, 08 May 2011 10:08:42 GMTHere are the reasons for Singapore to introduce a system of nominated ministershttp://tankinlian.com/Latest.aspxSun, 08 May 2011 02:08:25 GMTThis is my speech as guest speaker at the SDP rally on 5 May 2011http://tankinlian.com/Latest.aspxThu, 05 May 2011 00:56:58 GMTHere is my speech as guest speaker at the NSP rally on 4 May 2011http://tankinlian.com/Latest.aspxThu, 05 May 2011 00:49:49 GMTThe following persons have endorsed the open letter from Tan Kin Lian and have agreed for the particulars to be published.http://tankinlian.com/Latest.aspxWed, 04 May 2011 03:28:56 GMTTan Kin Lian writes this open letter to PM Lee to suggest changes to our system of governance.http://tankinlian.com/Latest.aspxWed, 04 May 2011 00:51:00 GMTThis article talks about the consequence of a fall of the PAP government. The impact will be temporary and not serious.http://tankinlian.com/Latest.aspxTue, 03 May 2011 23:49:50 GMTThis open letter urges voters to elect a MP who can be their voice in Parliament and describes the consequences of four possible outcomes.http://tankinlian.com/Latest.aspxSun, 01 May 2011 20:53:07 GMTInteresting scenes.http://tankinlian.com/Latest.aspxSun, 01 May 2011 04:11:13 GMTAn interesting sight!http://tankinlian.com/Latest.aspxSun, 01 May 2011 04:08:31 GMTThe wonders of nature!http://tankinlian.com/Latest.aspxSun, 01 May 2011 04:05:09 GMTBased on this survey, the estimated share of vote for the PAP is likely to be 51% to 56%, repesenting a swing of 10% to 15% against the PAP.http://tankinlian.com/Latest.aspxSun, 01 May 2011 00:29:05 GMTThis survey showed a potential 15% to 20% swing against the PAP at the general election.http://tankinlian.com/Latest.aspxSat, 30 Apr 2011 07:34:34 GMTHere are some suggestions on how to send out the bulk e-mails and avoid getting them into spam folders.http://tankinlian.com/Latest.aspxWed, 27 Apr 2011 01:17:27 GMTHere is my observation of the issues behind the debate between Mr. Tan Jee Say and Mr. Lim Hng Kiang on the economic strategy for Singapore.http://tankinlian.com/Latest.aspxSun, 24 Apr 2011 13:09:55 GMTHere are the reasons why a minimum wage is good for the economy and the people.http://tankinlian.com/Latest.aspxSat, 23 Apr 2011 23:29:13 GMTHere is a suggestion on how to peg the HDB flat prices to median income, without causing too much harm to flat owners who bought at the higher prices.http://tankinlian.com/Latest.aspxSat, 23 Apr 2011 00:48:52 GMTThis is a letter to be sent to organizations to introduce business mail.http://tankinlian.com/Latest.aspxThu, 21 Apr 2011 00:17:47 GMTMike Hansford contribute this fascinating powerpoint on the famous palace in Istanbul.http://tankinlian.com/Latest.aspxWed, 20 Apr 2011 15:14:10 GMTAmazing story of Dr Naki, a black surgeon on the team of Dr. Christian Bernard, who carried out the successful heart transplant.http://tankinlian.com/Latest.aspxWed, 20 Apr 2011 09:22:58 GMTSome consultancy and security firms exaggerate the risks of security failures and charge high fees to provide their solutions.http://tankinlian.com/Latest.aspxTue, 19 Apr 2011 00:32:20 GMTSurvey Bee allows users to participate in surveys and accumulate points to be exchanged for books and gifts.http://tankinlian.com/Latest.aspxTue, 19 Apr 2011 00:28:26 GMTBusiness Mail allows the user to receive e-letters from business and government organizations.http://tankinlian.com/Latest.aspxTue, 19 Apr 2011 00:27:19 GMTEasy ID allows the user to register the profile once and use it for many of the applications developments by Tan Kin Lian & Associate.http://tankinlian.com/Latest.aspxTue, 19 Apr 2011 00:26:35 GMTIt is easy to buy motor insurance directly from the Direct Asia website, if you come prepared.http://tankinlian.com/Latest.aspxMon, 18 Apr 2011 03:55:56 GMTFares from Singapore to other destinations are most expensive than the same trip taken in the other direction. This is due to the pricing policy of Singapore Airlines which is followed by other airlines.http://tankinlian.com/Latest.aspxThu, 14 Apr 2011 09:41:32 GMTHere are the return by asset class from 1900 to 2010 for various countries - real return, nominal return and inflation rate.http://tankinlian.com/Latest.aspxWed, 13 Apr 2011 08:38:57 GMTThe bonus myths - how paying for results backfirehttp://tankinlian.com/Latest.aspxWed, 13 Apr 2011 07:13:13 GMTSingapore Airlines levy a refund fee that is excessive.http://tankinlian.com/Latest.aspxTue, 12 Apr 2011 08:18:20 GMTThere are a thousand reasons to delay doing something that should be done now.http://tankinlian.com/Latest.aspxMon, 11 Apr 2011 06:22:17 GMTYou can use this financial planning tool and download the handbooks.http://tankinlian.com/Latest.aspxSat, 09 Apr 2011 08:31:49 GMTDoes a customer care manager really care about the views of its customers?http://tankinlian.com/Latest.aspxThu, 07 Apr 2011 00:27:37 GMTDavid Marshall was a former chief minister of Singapore. In this interview, he spoke about the joy and excitement of public service, not necessary to have a high salary.http://tankinlian.com/Latest.aspxWed, 06 Apr 2011 14:37:59 GMTThe world has changed a lot during a short time. You may be surprised to find out how much has changed!http://tankinlian.com/Latest.aspxSun, 03 Apr 2011 01:15:26 GMTDo this test to find out your understanding of financial planninghttp://tankinlian.com/Latest.aspxSat, 02 Apr 2011 00:56:46 GMTBeautiful pictures from the air. Contributed by Mike Hansfordhttp://tankinlian.com/Latest.aspxFri, 01 Apr 2011 13:25:28 GMTAn inexpensive way to clean your kidneys.http://tankinlian.com/Latest.aspxFri, 01 Apr 2011 13:13:13 GMTIt is a hassle to own a car in Singapore - due to the regulations on vehicle inspection, insurance and payment of road tax. Here is a way to avoid the hassle.http://tankinlian.com/Latest.aspxFri, 01 Apr 2011 03:08:53 GMTThis is the corporate profile of a new life insurance company to be set up in Singapore.http://tankinlian.com/Latest.aspxFri, 01 Apr 2011 02:11:18 GMTThis handbook explains the key features of the Flexi Life policy - target to be available in 2012.http://tankinlian.com/Latest.aspxFri, 01 Apr 2011 00:24:16 GMTDraft of the handbook on financial planning for consumers.http://tankinlian.com/Latest.aspxThu, 31 Mar 2011 01:28:59 GMTHere is a gauge on the amount that you should pay for a property and to find out if the current property price is too high or acceptable.http://tankinlian.com/Latest.aspxSun, 27 Mar 2011 12:03:35 GMTIt is better to take risk and invest in an investment fund, rather than to take the guaranteed, low yield of a single premium endowment.http://tankinlian.com/Latest.aspxThu, 24 Mar 2011 03:10:29 GMTThe Sea of Galilee and the Dead Sea receive their water from the Jordan River. But they are quite different in their hosting of marine life.http://tankinlian.com/Latest.aspxThu, 24 Mar 2011 03:04:53 GMTThe public sector plays an important role in providing basic services at affordable cost to the general public and to set the benchmark for employment terms and practices.http://tankinlian.com/Latest.aspxThu, 24 Mar 2011 00:07:35 GMTHere is a story about the dilemma faced by a family in treating an elderly mother for cancer.http://tankinlian.com/Latest.aspxWed, 23 Mar 2011 00:21:24 GMTThis flyer shows the services provided by Easy Adshttp://tankinlian.com/Latest.aspxTue, 22 Mar 2011 09:24:29 GMTHere is a guide for consumers to be educated on financial matters. They have to spend the time and some money to be educated.http://tankinlian.com/Latest.aspxSun, 20 Mar 2011 08:24:26 GMTBanks should adopt a more sensible approach towards risk management of internet banking transfer and make it more convenient for customers to make payments.http://tankinlian.com/Latest.aspxSun, 20 Mar 2011 07:58:19 GMTHow should the exclusion of nuclear risks be applied to travel insurance?http://tankinlian.com/Latest.aspxSun, 20 Mar 2011 00:55:10 GMTHere is a proposal for a convenient and secure method of making ad-hoc payments through the Internet.http://tankinlian.com/Latest.aspxSat, 19 Mar 2011 01:10:07 GMTA journey of frustration - making a donation to the Japan Disaster Fund. It is better to write a cheque.http://tankinlian.com/Latest.aspxSat, 19 Mar 2011 00:37:39 GMTRobert Kuok, SE Asia's richest person, shares his views on wealth and capitalism.http://tankinlian.com/Latest.aspxSun, 13 Mar 2011 19:34:27 GMTA power point about nature and manhttp://tankinlian.com/Latest.aspxSun, 13 Mar 2011 18:41:51 GMTHow to invest $100,000? Here is how you can be financially savvy to make the right decision.http://tankinlian.com/Latest.aspxSun, 13 Mar 2011 03:21:44 GMTDoes your life insurance company make it easy for their agents to cheat their customers? Here is a way to find out.http://tankinlian.com/Latest.aspxFri, 11 Mar 2011 09:41:26 GMTIf you wish to have an independent review of your life insurance policy, you can contact an expert here.http://tankinlian.com/Latest.aspxFri, 11 Mar 2011 01:22:49 GMTHere are some tips on how to find the right insurance policy and pay a fair premium.http://tankinlian.com/Latest.aspxThu, 10 Mar 2011 23:48:34 GMTYou have to select the right insurance company and the right policy. You can also consider "self insurance" which may be more suitable under some situations.http://tankinlian.com/Latest.aspxWed, 09 Mar 2011 08:40:53 GMTHere are tips on investing in low cost investment funds.http://tankinlian.com/Latest.aspxWed, 09 Mar 2011 00:54:34 GMTShould you make a claim for a minor accident and lose the no-claim discount on your motor car?http://tankinlian.com/Latest.aspxTue, 08 Mar 2011 10:04:58 GMTTKL Blog posting to Facebookhttp://tankinlian.com/Latest.aspxMon, 07 Mar 2011 22:15:42 GMTTry this intelligence quizhttp://tankinlian.com/Latest.aspxSun, 06 Mar 2011 02:25:57 GMTIn the past, banks built their reputation by winning the trust of their customers. In recent years, the banks were willing to betray the trust in their pursuit of greed and profit.http://tankinlian.com/Latest.aspxSun, 06 Mar 2011 01:12:02 GMTHere is an article, purported to be written by the top nuitritionist in Malaysia, about the benefit of eggs.http://tankinlian.com/Latest.aspxSat, 05 Mar 2011 04:48:11 GMTThe Times of UK shows how to provide good customer service and improve productivity at the same time.http://tankinlian.com/Latest.aspxSat, 05 Mar 2011 01:26:35 GMTHere are the details of the government plan to support parenthoodhttp://tankinlian.com/Latest.aspxThu, 03 Mar 2011 02:31:16 GMTPrepare your own financial plan and get a good yield on your savings.http://tankinlian.com/Latest.aspxThu, 03 Mar 2011 02:07:49 GMTThis is home truly ... Kit Chan and revised versionhttp://tankinlian.com/Latest.aspxTue, 01 Mar 2011 13:38:45 GMTA Wordle summary of the book.http://tankinlian.com/Latest.aspxTue, 01 Mar 2011 07:15:55 GMTAn elderly person needs to set aside only $30,000, if they are willing to be treated in a subsidised ward and has Medishield.http://tankinlian.com/Latest.aspxTue, 01 Mar 2011 00:58:35 GMTThis talk is organised for FISCA for members and the public. It provides a guide to consumers on how to select the right insurance policies and save on the premiums.http://tankinlian.com/Latest.aspxMon, 28 Feb 2011 23:14:58 GMTConsumers can be easily rip-off by bad financial products. They should learn about the essential knowledge to be avoid these rip-off.http://tankinlian.com/Latest.aspxMon, 28 Feb 2011 00:39:00 GMTHere are the results of the survey.http://tankinlian.com/Latest.aspxSun, 27 Feb 2011 01:45:04 GMTIt is easy to develop a good customer support system. Just avoid the convoluted approach and management consultants who provide the convoluted system for an astronomical fee. Follow this example of a good customer support system - and it is free.http://tankinlian.com/Latest.aspxFri, 25 Feb 2011 23:37:19 GMTThis puzzle is based on Einstein's logic quiz, but has been adapted to show boxes and shapes in different colors. Is is challenging and fund. [Video]http://tankinlian.com/Latest.aspxFri, 25 Feb 2011 11:47:46 GMTRead this perspective of a financial adviser in Europe. The Dutch market had the same experience of mis-selling due to high commission rates.http://tankinlian.com/Latest.aspxWed, 23 Feb 2011 12:34:59 GMTTan Kin Lian & Associates will take in undergraduates for internship. The intern will have an opportunity to learn about the different aspects of the development of business applicationshttp://tankinlian.com/Latest.aspxTue, 22 Feb 2011 23:31:33 GMTMany people need legal advice on a business or personal issue, but they are afraid to see a lawyer as the fees may be high. They should try the approach suggested here.http://tankinlian.com/Latest.aspxTue, 22 Feb 2011 22:43:12 GMTWe are paying high cost (ERP and COE) and getting slow moving traffic. It is the worst of both worlds.http://tankinlian.com/Latest.aspxTue, 22 Feb 2011 13:25:00 GMTHere is a practical, high tech way to locate your car - and it does not cost any money!http://tankinlian.com/Latest.aspxTue, 22 Feb 2011 12:14:01 GMTMany people use the MRT because they are not familiar with the bus service. Sometimes, it may be better to use the bus as the journey time is shorter and it is less crowded and comfortable. Google Map allows you to search for the right bus service.http://tankinlian.com/Latest.aspxTue, 22 Feb 2011 08:31:58 GMTYou can use Google map to get direction to a place in Singapore. This shows an example of how to get to TKL office (postal code 573970)http://tankinlian.com/Latest.aspxMon, 21 Feb 2011 10:00:57 GMTSingapore has a high GINI coefficient - which reflects unequal distribution of income. The top earners take a disproportionate share of the total earners. It is like the prize given out in TOTO.http://tankinlian.com/Latest.aspxSun, 20 Feb 2011 00:13:53 GMTHere are some views from readers of TKL blog to the Budget 2011http://tankinlian.com/Latest.aspxSat, 19 Feb 2011 23:35:06 GMTHere are the responses from readers of TKL blog to the ideas set out in TKL's paper.http://tankinlian.com/Latest.aspxFri, 18 Feb 2011 23:45:28 GMTHave a great laugh.http://tankinlian.com/Latest.aspxFri, 18 Feb 2011 19:01:48 GMTHere is an example of the revised format for the financial plan.http://tankinlian.com/Latest.aspxThu, 17 Feb 2011 10:35:54 GMTHere are the FAQs that can be used by the experts providing an explanation on the Financial Plan generated by http://projects.easyapps.sg/life21d/Planning.aspxhttp://tankinlian.com/Latest.aspxWed, 16 Feb 2011 23:53:10 GMTWobao printed this article about the Chinese version of the Financial Planning book by Tan Kin Lianhttp://tankinlian.com/Latest.aspxWed, 16 Feb 2011 12:19:08 GMTHere are my wishes for the future of Singapore.http://tankinlian.com/Latest.aspxTue, 15 Feb 2011 23:22:18 GMTThis term insurance policy looks attractive, but has high risk. You pay twice the premium (of a 25 year term) and stand the risk of losing the excess premium due to many factors beyond your control.http://tankinlian.com/Latest.aspxTue, 15 Feb 2011 00:31:39 GMTHere are the sites that have FAQ on money issues or an expert who will answer your question. In the future, this type of information will be available to FISCA members only - after the login to the FISCA website.http://tankinlian.com/Latest.aspxSun, 13 Feb 2011 03:33:08 GMTThis case study shows the low yield on the Vivolife policy. The reduction in the yield is too high. The insurance agent sells this policy on the point that the policyholder needs to pay premium for a limited period, but does not explain that the deductions are too high, giving a poor yield.http://tankinlian.com/Latest.aspxSun, 13 Feb 2011 02:17:28 GMTThe soft launch of the book will be made at my new office at Midview City for the period shown here. Visitors can buy the book at a 25% discount from the price at the bookstores. Other titles are are also available at up to 50% discount.http://tankinlian.com/Latest.aspxSat, 12 Feb 2011 08:48:42 GMTFISCA will be launching a new website from 1 April 2011 (perhaps earlier). An important section of this website is the "Evaluation of Financial Products" and will be kept strictly for members.http://tankinlian.com/Latest.aspxSat, 12 Feb 2011 01:00:02 GMTLearn about the activities of FISCA and why you should join as a member.http://tankinlian.com/Latest.aspxThu, 10 Feb 2011 22:02:07 GMTThe impact of a reduction in yield of 3% or 4% can take away more than half of the accumulated savings over a period of 40 yearshttp://tankinlian.com/Latest.aspxThu, 10 Feb 2011 10:04:14 GMTYou can use this approach to calculate the reduction in yield on your life insurance policy and see if it exceeds the acceptable benchmark of 1.5% per annum.http://tankinlian.com/Latest.aspxThu, 10 Feb 2011 04:37:42 GMTIt is risky for a policyholder to buy a term insurance policy to age 99 years.http://tankinlian.com/Latest.aspxThu, 10 Feb 2011 04:02:00 GMTHere is an analysis of the DBS preference share and the risk that retail investors should be aware of.http://tankinlian.com/Latest.aspxWed, 09 Feb 2011 01:58:09 GMTHere are some interesting things that you can do or can happen to your avatar in Family Lifehttp://tankinlian.com/Latest.aspxWed, 09 Feb 2011 00:17:31 GMTDr. Shetty is a world renowned heart surgeon. Contributed by Robby Tulushttp://tankinlian.com/Latest.aspxSun, 06 Feb 2011 22:36:48 GMTThis screenshot shows the top 5 avatar for game 214. The player, avatar 1, is within the top 5 positions and can claom for a prize.http://tankinlian.com/Latest.aspxSun, 06 Feb 2011 22:08:16 GMTLappland is the northern part of Norway, Sweden, Finnland and Russia. It is the land of the midnight sun. Here are some beautiful scenaries in a powerpoint contributed by Mike Hansford.http://tankinlian.com/Latest.aspxSat, 05 Feb 2011 07:56:49 GMTEgypt is a beautiful country with a rich, ancient heritage. Watch this powerpoint contributed by Mike Hansford.http://tankinlian.com/Latest.aspxSat, 05 Feb 2011 07:50:27 GMTThe CPFTA now applies to financial services. Many financial advisers may be guilty of infringing on the provisions of CPFTA and may be providing misleading inforamation to the consumers, especially in the form of verbal representations. If the consumer is able to provide evidence of the representations, they will be able to get the financial adviser to be charged for infringement of the CPFTA.http://tankinlian.com/Latest.aspxFri, 04 Feb 2011 12:16:57 GMTI wrote this letter to the Straits Times to suggest how the $7-8 billion for the North South Expressway could be better spent. The ST did not publish my letter.http://tankinlian.com/Latest.aspxSun, 30 Jan 2011 15:41:08 GMTDifficult logic puzzleshttp://tankinlian.com/Latest.aspxSun, 30 Jan 2011 06:33:51 GMTThese logic puzzles are at complex level 2.http://tankinlian.com/Latest.aspxSun, 30 Jan 2011 05:16:41 GMTTry these logic puzzles.http://tankinlian.com/Latest.aspxSun, 30 Jan 2011 05:02:33 GMTThis developer ask the owners to pay deposits before giving a permit to start renovation work or to move in the furniture. They may not have the legal right to impose these requirements. It is like asking for a ransom.http://tankinlian.com/Latest.aspxWed, 26 Jan 2011 15:12:27 GMTSingapore in the old days, where life was enjoyable and not stressful.http://tankinlian.com/Latest.aspxTue, 25 Jan 2011 13:16:01 GMTSome consumers receive a shock when they get a bill from a lawyer for the legal or litigation work. The fees are exorbitant and way above what the consumer expected. Here are a few tips on how to avoid this dilemma.http://tankinlian.com/Latest.aspxThu, 20 Jan 2011 15:05:55 GMTHere is the flyer for my book, "Get Value from your Life Insurance". The book is expected to be launched in mid February 2011.http://tankinlian.com/Latest.aspxMon, 17 Jan 2011 02:36:41 GMTWatch this beautiful cloud formation in Australia. Contributed by Mike Hansford.http://tankinlian.com/Latest.aspxMon, 17 Jan 2011 00:19:20 GMTYou should install your new tyres at the rear of your vehicle and the old tyres at the front.http://tankinlian.com/Latest.aspxSun, 16 Jan 2011 15:41:49 GMTThis portal allows a teacher to create activities (i.e. lessons, quiz and projects) to be accessed by the students in a class.http://tankinlian.com/Latest.aspxSun, 16 Jan 2011 02:16:20 GMTThis portal allows an organisation to create its forms to be accessed by the public. It can also create forms to be used only by invited people.http://tankinlian.com/Latest.aspxSat, 15 Jan 2011 02:27:18 GMTThis portal allows a patient to search for a specialist and for the specialist to accept appointments from the patient, and to keep the patient's records.http://tankinlian.com/Latest.aspxFri, 14 Jan 2011 07:12:59 GMTPortal for advertisers to put up their advertisements and consumers to respond. Free up to 30 June 2011.http://tankinlian.com/Latest.aspxFri, 14 Jan 2011 06:58:48 GMTThis is a collaboration with firms that provide book keeping, payroll and other services to their clients.http://tankinlian.com/Latest.aspxFri, 14 Jan 2011 05:38:46 GMTThis portal allows a SME to handle its accounting, payroll and corporate documents.http://tankinlian.com/Latest.aspxFri, 14 Jan 2011 04:33:46 GMTSingapore has a high per capita income but that is not reflected in a high quality of life for the people.http://tankinlian.com/Latest.aspxThu, 13 Jan 2011 07:20:09 GMTHere is a sample financial plan for a person age 60. You can do your own financial plan at www.easysearch.sg/life21http://tankinlian.com/Latest.aspxThu, 13 Jan 2011 00:26:55 GMTHere is a sample financial plan for a person age 35. You can do your own financial plan at www.easysearch.sg/life21http://tankinlian.com/Latest.aspxThu, 13 Jan 2011 00:26:29 GMTHere is a sample financial plan for a person age 25. You can do your own financial plan at www.easysearch.sg/life21http://tankinlian.com/Latest.aspxThu, 13 Jan 2011 00:26:08 GMTDisabled persons have a higher need for insurance, but insurance companies are not willing to offer insurance at the standard rates to the disabled persons. The disabled persons may have to rely on personals savings and loss control.http://tankinlian.com/Latest.aspxWed, 12 Jan 2011 06:23:36 GMTHere are some beautiful landscapes and buildings in Russia. Contributed by Mike Hansford.http://tankinlian.com/Latest.aspxWed, 12 Jan 2011 04:21:12 GMTThis article explains how to calculate the yield on a life insurance policy and to know if the yield is attractive, acceptable or too low. The reduction in yield should not exceed 1.5%http://tankinlian.com/Latest.aspxWed, 12 Jan 2011 03:14:14 GMTHere is the new cover for my book on Life Insurance. I am using cartoon for the cover and the same characters to illustrate the key messageshttp://tankinlian.com/Latest.aspxTue, 11 Jan 2011 23:57:02 GMTI wrote this letter to the director of M V Land, the developer of Mid View City. My experience with this company has been terrible. They provide bad customer service and have requirements that caused delay and expenses to their buyers.http://tankinlian.com/Latest.aspxTue, 11 Jan 2011 10:33:36 GMTHere is an interesting story about life.http://tankinlian.com/Latest.aspxTue, 11 Jan 2011 04:36:07 GMTThe Asian economies are in a bubble. It will have to burst and follow the fate of Japan and America. Here are some tips on how to survive the bursting of the bubble.http://tankinlian.com/Latest.aspxSun, 09 Jan 2011 01:40:18 GMTSingapore government is the 11th richest n the world. It is richer than many countries with larger populations.http://tankinlian.com/Latest.aspxSat, 08 Jan 2011 06:42:55 GMTHave a good laugh with these signboardshttp://tankinlian.com/Latest.aspxTue, 04 Jan 2011 15:39:40 GMTThis book explains a game that allows you to learn about the skill of being successful in life.http://tankinlian.com/Latest.aspxSun, 02 Jan 2011 02:25:02 GMTA game for singles. Let your avatar do the scouting for you. You create an avatar with characteristics that reflect your personality and indicate the personal qualities of the person that you look for as a life time partner.http://tankinlian.com/Latest.aspxThu, 30 Dec 2010 09:28:07 GMTHere are three ways for thiefs to steal information from your credit and debit card and made fraudulent payments. Be carefulhttp://tankinlian.com/Latest.aspxWed, 29 Dec 2010 07:08:48 GMTWhat does it mean being poor? A young man from a rich family found out.http://tankinlian.com/Latest.aspxTue, 28 Dec 2010 08:59:03 GMTBeautiful night scenes of cities around the world accompanied by the song Fascination sung by Nat King Cole.http://tankinlian.com/Latest.aspxTue, 28 Dec 2010 08:13:35 GMTThis is a sample financial plan for John Tan prepared from the website www.easysearch.sg/life21. There is a link at the bottom of the document to seek further explanation from an expert.http://tankinlian.com/Latest.aspxMon, 27 Dec 2010 22:19:35 GMTHere is another case of an unfair rejection of a shield claim. The rejection was based on a medical condition that occurred 5 year previously and was not of a long term nature. The agent had advised the consumer that it was not necessary to declare this condition. The consumer was insured with another company previously but made this change after getting the assurance of the agent.http://tankinlian.com/Latest.aspxMon, 27 Dec 2010 08:13:51 GMTThis article contains photos of how sharks are being killed for their fins. The writer suggest that we should stop eating shark's fins.http://tankinlian.com/Latest.aspxMon, 27 Dec 2010 04:00:37 GMTn these days of blatant consumerism, especially in Spore, and during this holiday season, pls find attached an e-book for your reading pleasure...http://tankinlian.com/Latest.aspxSat, 25 Dec 2010 11:29:53 GMTI wrote this letter to the Straits Times to comment about the comparison between whole life and term insurance to age 99. I said that this comparison is misleading to consumers. The Straits Times did not publish my letter.http://tankinlian.com/Latest.aspxSat, 25 Dec 2010 05:53:09 GMTThis application is being developed to let the player experience the important decisions that affect the work and family life.http://tankinlian.com/Latest.aspxThu, 23 Dec 2010 07:03:22 GMTJoin in the competition for 3 industries each night and win a prize for being the best player.http://tankinlian.com/Latest.aspxTue, 21 Dec 2010 12:30:50 GMTMike Hansford wish to share this file of the best places around the world.http://tankinlian.com/Latest.aspxTue, 21 Dec 2010 06:58:43 GMTHere are some photos of an underground city [Mike Hansford]http://tankinlian.com/Latest.aspxTue, 21 Dec 2010 00:04:44 GMTHere are some images of the past [Mike Hansford]http://tankinlian.com/Latest.aspxTue, 21 Dec 2010 00:00:42 GMTThe following documents are needed to open an utilities account. It seemed that this company wants to act as the legal office of the government to check for ownership or tenancy of the premises. Why is this necessary?http://tankinlian.com/Latest.aspxMon, 20 Dec 2010 12:15:42 GMTLife insurance can play a useful role for consumers to manage their personal finance, provided that it can be bought directly without incurring an exorbitant upfront charge (to pay commission). Here is chapter 7 from my new book, Get Value from your Life Insurance Policy.http://tankinlian.com/Latest.aspxMon, 20 Dec 2010 07:10:10 GMTShould a consumer keep a life insurance policy after retirement, if he or she has no further need for life insurance protection, e.g. the children have grown up?http://tankinlian.com/Latest.aspxMon, 20 Dec 2010 06:52:20 GMTI wrote this letter giving some suggestion on data roaming charges. The Straits Times declined to publish this letter.http://tankinlian.com/Latest.aspxSun, 19 Dec 2010 14:43:11 GMTThere is no need for the consumer to buy an insurance rider to cover the co-payment under a Shield policy. It is better to keep the premium as savings and to pay the co-payments as they arise.http://tankinlian.com/Latest.aspxSun, 19 Dec 2010 14:28:24 GMTSongs reflect the best of any language or culture. For a song to be popular, it has to be written by the best writers and musicians of that culture. I have selected a few of my favorite songs around the world. Here are the lyrics of the song in the original language and the translation into English. I find that it is enjoyable to learn a language and the culture of a people through its popular songs.http://tankinlian.com/Latest.aspxSun, 19 Dec 2010 02:55:55 GMTThis zip file contains selected FAQs from TKL website. You can download it into your computer and unzip the files to read the FAQshttp://tankinlian.com/Latest.aspxSat, 18 Dec 2010 22:34:44 GMTYou can rent a capsule in Japan at a cheap rate. It seems to be quite comfortable. Maybe Singapore can adopt it one day. [Mike Hansford]http://tankinlian.com/Latest.aspxThu, 16 Dec 2010 15:02:45 GMTInteresting night scenes of cities around the world. [Mike Hansford]http://tankinlian.com/Latest.aspxThu, 16 Dec 2010 14:55:10 GMTThis video shows you how to use the learning tips on a mobile device.http://tankinlian.com/Latest.aspxWed, 15 Dec 2010 04:36:39 GMTHere are tips for consumers to be educated about insurancehttp://tankinlian.com/Latest.aspxWed, 15 Dec 2010 01:27:27 GMTThe taxi service has deteriorated in recent years. It is now costly and the quality of service is unsatisfactory. Here are some suggestions to improve the taxi service.http://tankinlian.com/Latest.aspxTue, 14 Dec 2010 23:46:02 GMTAnswers to the questions for the talkhttp://tankinlian.com/Latest.aspxTue, 14 Dec 2010 07:15:21 GMTQuestions on insurancehttp://tankinlian.com/Latest.aspxTue, 14 Dec 2010 07:14:51 GMTThere is a need to cap the data roaming charges and also for the mobile operators to negotiate an agreement to set the charges at a reasonable level, for the sake of their subscribers.http://tankinlian.com/Latest.aspxTue, 14 Dec 2010 00:40:41 GMTWhat is a fair fee for a medical report? It depends on whether you are paying or receiving this fee. There is no free market here, but a monopolistic situation.http://tankinlian.com/Latest.aspxMon, 13 Dec 2010 23:51:16 GMTI sent this letter to the Pro-Enterprise Panel about the fire safety regulations and why it is imposing a high cost to enterprise for a simple piece of work.http://tankinlian.com/Latest.aspxMon, 13 Dec 2010 23:23:47 GMTI will be publishing a book entitled "Get Value from your Life Insurance Policy". It shows examples of the policies that the market that give a poor yield to policyholders and should be avoided. The last few chapters tell consumers about the policy that give good value.http://tankinlian.com/Latest.aspxMon, 13 Dec 2010 08:12:48 GMTThis case study is suitable for most young people to plan for their future. It shows the importance of having a financial plan that is flexible and gives an attractive yield for the future.http://tankinlian.com/Latest.aspxMon, 13 Dec 2010 00:56:16 GMTHere are some views about FIDREC and its impact on the consumer.http://tankinlian.com/Latest.aspxSun, 12 Dec 2010 06:04:42 GMTHere is a new scam. Check your receipt when you leave the cashier counter in a store or supermarket.http://tankinlian.com/Latest.aspxSun, 12 Dec 2010 02:50:42 GMTThis article explains how to calculate the yield at different durations of a life insurance policy. You can use it to decide on whether to continue or terminate an existing policy.http://tankinlian.com/Latest.aspxSun, 12 Dec 2010 02:35:35 GMTA fake $10 note is being circulated. Here is an advisory from the police.http://tankinlian.com/Latest.aspxSun, 12 Dec 2010 00:39:58 GMTThis article explains how to use the formulas in Excel to calculate the yield, future value and other financial calculations.http://tankinlian.com/Latest.aspxSat, 11 Dec 2010 22:59:52 GMTHere is a case study of a person who has read the book, Practical Guide on Financial Planning, and has a few follow up questions on how to apply the principles in the book.http://tankinlian.com/Latest.aspxTue, 07 Dec 2010 03:41:43 GMTThis application takes your date of birth to generate 1 million numbers (4D) and show you the 12 numbers that appear the most number of times! You have 12 numbers to choose for you next 4D bet!http://tankinlian.com/Latest.aspxMon, 06 Dec 2010 13:06:23 GMTConsumers should be careful about insurance agents. Some of them tell blatant lies and half-truths to cheat their clients. Here is one example. I have seen several cases of a similar nature, but this is one of the worst.http://tankinlian.com/Latest.aspxMon, 06 Dec 2010 06:51:28 GMTSuzy Orman host program on CNBC each Sunday and advise consumers on financial issues.http://tankinlian.com/Latest.aspxSun, 05 Dec 2010 07:27:29 GMTThis article explains the indisputability clause, and how consumers can be protected under this clause against unfair rejection of claims.http://tankinlian.com/Latest.aspxSun, 05 Dec 2010 07:17:13 GMTA financial adviser realizes that it is bad to sell low value products to consumers and now wish to make reparations. He is also joining an ethical financial adviser firm.http://tankinlian.com/Latest.aspxSun, 05 Dec 2010 01:55:41 GMTTan Kin Lian expects the US to resort to some form of protectionism to solve their economic and employment problems. How will this impact Singapore?http://tankinlian.com/Latest.aspxSat, 04 Dec 2010 06:21:41 GMTTan Kin Lian compares CP F Life with the Retirement Account and a life annuity from an insurance company and gives some guidance on how consumers should approach this issue.http://tankinlian.com/Latest.aspxSat, 04 Dec 2010 01:01:47 GMTThis application takes your date of birth or other auspicious date and generate the 7 Toto numbers that appeared most often within 10,000 generated from the entered date.http://tankinlian.com/Latest.aspxFri, 03 Dec 2010 15:45:45 GMTThis application takes your number and simulates the 4D draw over 1 year (total of 156 draws) and checks if any permutation of your number appears during the draws.http://tankinlian.com/Latest.aspxFri, 03 Dec 2010 15:44:10 GMTThis application allows you to compete with 9 simulated players on the pricing, marketing and capacity for a product over 12 calendar months.http://tankinlian.com/Latest.aspxFri, 03 Dec 2010 15:42:58 GMTThere is a role for social insurance to deliver the basic needs for the population in an efficient way, compared to private insurance. Our government leaders should understand its strengths and weaknesses and find the right balance between social and private insurance.http://tankinlian.com/Latest.aspxFri, 03 Dec 2010 00:26:27 GMTSome people are worried that their parents are not insured under Medishield. They try to apply for Medishield now, but the application is rejected as their parent has some medical condition. They need not worry. Here are some tips on how to cope without insurance.http://tankinlian.com/Latest.aspxThu, 02 Dec 2010 23:48:32 GMTThe wife of an ex-insurance agent shares the unhappy experience faced by her and her husband who quit his job to join an insurance company. She explains some of the unethical practices that the husband had to practice to meet the sales quota. She is glad that he has given up the insurance job and had returned to an ordinary job.http://tankinlian.com/Latest.aspxThu, 02 Dec 2010 05:59:18 GMTHere is a case study of a person aged 58 who has to decide on whether to stay with the Minimum Sum scheme or to convert into a CPF Life Annuity.http://tankinlian.com/Latest.aspxThu, 02 Dec 2010 05:43:42 GMTThis consumer is not sure if his medical condition needs to be declared and if it affects the underwriting of his application. What is the correct approach? What should he do, if the terms imposed are too harsh?http://tankinlian.com/Latest.aspxThu, 02 Dec 2010 01:21:35 GMTHere are 10 tips for consumers on Financial Planning.http://tankinlian.com/Latest.aspxWed, 01 Dec 2010 09:05:25 GMTHere are 10 tips for consumers on buying insurancehttp://tankinlian.com/Latest.aspxWed, 01 Dec 2010 01:07:08 GMTConsumers should be wary about making advance payments for private school fees, spa treatments or other services, or investing in investment schemes by unregulated bodies that promises a high rate of return.http://tankinlian.com/Latest.aspxFri, 26 Nov 2010 06:48:45 GMTShould a Singapore civil servant who reaches retirement age keep the pension or give it up for a lump sum payment? Read this article to learn about what to look for and how to make your decision.http://tankinlian.com/Latest.aspxThu, 25 Nov 2010 23:41:17 GMTHave you wondered why some government or company regulations are followed mindlessly for years, after they have lost their purpose? Read this story.http://tankinlian.com/Latest.aspxThu, 25 Nov 2010 00:21:51 GMTThe insurance agent tells consumers that their biggest risk is premature death and critical illness. This is not true. The chance of this happening during the working life ins less than 10%. More than 90% is likely to work till retirement without facing these risks. They are more likely to retire with inadequate savings, in spite of saving prudently over a lifetime, because a large part of their accumulated savings is taken away from them due to the bad life insurance policies. This is a bigger risk facing more people.http://tankinlian.com/Latest.aspxSun, 21 Nov 2010 15:42:39 GMTAre you financially prepared to meet the rising cost of health care when you are retired? How much does it cost? What is the best way to preserve your Medisave savings to meet this rising cost? Here are the tips.http://tankinlian.com/Latest.aspxSun, 21 Nov 2010 02:21:32 GMTThis article explains some myths about Private Shield that cause many people to be spending a lot of money wastefully.http://tankinlian.com/Latest.aspxFri, 19 Nov 2010 01:44:37 GMTThis article explains how an investment-linked policy differs from "buy term and invest in a low cost investment fund". The key difference is in the high charges taken away by the investment linked policy. If the charges are fair, then an investment linked policy is acceptable to consumers.http://tankinlian.com/Latest.aspxFri, 19 Nov 2010 01:08:12 GMTThis article explains how you can invest in a low cost investment fund in Singapore. It also covers the issues of liquidity, diversification and its use as a retirement fund.http://tankinlian.com/Latest.aspxThu, 18 Nov 2010 00:37:29 GMTThis USB charger allows you to charge many mobile devices and is useful for your travel. I bought it to charge my mobile phone in the office. It can charge using electricity, laptop or from a car battery.http://tankinlian.com/Latest.aspxTue, 16 Nov 2010 02:01:19 GMTThis article explains how a retiree, with adequate savings, can invest in a low cost investment fund and make monthly withdrawals for living expenses. There is no need to suffer a large deduction from the accumulated savings by investing in a life annuity.http://tankinlian.com/Latest.aspxTue, 16 Nov 2010 00:25:37 GMTThis is an powerpoint of the talk given by FISCA on financial planning. It covers the need for savings, how to invest the savings and talks about the suitable investment products.http://tankinlian.com/Latest.aspxMon, 15 Nov 2010 03:56:08 GMTYou should be prudent in buying the insurance that are really necessary and the coverage is clearly described. Do not spend money on unnecessary insurance or suffer the pain of seeing your claim rejected due to non-disclosure or misunderstanding the terms of the coverage.http://tankinlian.com/Latest.aspxSun, 14 Nov 2010 06:24:30 GMTHere is the powerpoint of the talk to be held by FISCA. The speaker will explain the topics in more detail and give exercise to the participants. The titles are "Insuring your Financial Security" or "Consumer Guide to Insurancehttp://tankinlian.com/Latest.aspxSun, 14 Nov 2010 01:10:37 GMTHere are two letter published in the Straits times on the role of agents and consumers, and the reply.http://tankinlian.com/Latest.aspxFri, 12 Nov 2010 03:14:22 GMTShould we pursue economic growth or equity? These are not conflicting goals. They are complementary. We can achieve sustainable economic growth through equitable distribution of the economic output.http://tankinlian.com/Latest.aspxWed, 10 Nov 2010 06:22:37 GMTSome life insurance agents 'churn' their client's policies to earn a fat commission again. Does this practice apply to unit trust, where the upfront commission is 3% of the invested amount? Here are my views.http://tankinlian.com/Latest.aspxWed, 10 Nov 2010 02:38:18 GMTHere is a letter from the President of the association representing insurance agents about the choice of insurance plan and a reply from Tan Kin Lianhttp://tankinlian.com/Latest.aspxTue, 09 Nov 2010 23:07:56 GMTHere are some tips on how to get a fair deal on your insurance - what to look out for, and what to avoid.http://tankinlian.com/Latest.aspxTue, 09 Nov 2010 13:24:06 GMTETFs have evolved over the years, becoming more complex. Investors considering ETFs should evaluate each investment closely and not assume all ETFs are alike. In the last few years, a number of leveraged and inverse ETFs have been introduced to the market that are very different from the traditional variety of ETFs.http://tankinlian.com/Latest.aspxMon, 08 Nov 2010 12:56:20 GMTIt is important for a consumer to be able to say "No" to a life insurance agent. Here are some tips on how to say "No". They are especially important for young people who are starting work for the first time. The ability to say "No" in a nice way can save you a lot of money and protect your financial well being.http://tankinlian.com/Latest.aspxMon, 08 Nov 2010 03:11:00 GMTMany countries faced the challenge of creating employment for the large number of unemployed, under-employed and new entrants to the work force. This challenges will continue to be difficult under the current economic system. This article contains some suggestions of the changes that can be made to create more job opportunities and build a better and more sustainable environment for the future.http://tankinlian.com/Latest.aspxMon, 08 Nov 2010 00:14:17 GMTI expect a global economic turmoil within the next few years. My views are expressed here. I will be happy if I am wrong, but it is better to be prepared in case it materialises.http://tankinlian.com/Latest.aspxSun, 07 Nov 2010 00:41:48 GMTPrint out this sheet, paste into a backing card and cut into the separate small cards. Enjoy Amazing Numbers.http://tankinlian.com/Latest.aspxTue, 02 Nov 2010 14:13:16 GMTThis article explains the importance of managing the risk of unemployment and inadequate savings for retirement and how to tell the difference between a good and bad life insurance policy.http://tankinlian.com/Latest.aspxTue, 02 Nov 2010 02:09:36 GMTHere is the secret of how the amazing number cards work.http://tankinlian.com/Latest.aspxMon, 01 Nov 2010 00:35:27 GMTRead my letter to the Straits Times Forum page and two follow up letters here.http://tankinlian.com/Latest.aspxSun, 31 Oct 2010 14:49:09 GMTHere are some wonderful tips from the most successful man in the world - not only in money but also in the philosophy of life.http://tankinlian.com/Latest.aspxThu, 28 Oct 2010 06:32:03 GMTA good lesson in lifehttp://tankinlian.com/Latest.aspxThu, 28 Oct 2010 04:48:07 GMTKnow what needs to be insured and avoid paying premium for insurance that is not really needed or takes away too much of your money that should go into personal saving. Use this knowledge to check if the insurance agent is looking after your interest or his own commission.http://tankinlian.com/Latest.aspxWed, 27 Oct 2010 00:13:09 GMTI advise consumers to look at the benefit illustration for a whole life or investment-linked policy and check that the effect of deduction does not exceed 20% of the accumulated premium at the end of 25 years. This article explains why I chose 25 years as a gauge and how I derive the benchmark of 20%. It also give the benchmark for other durations.http://tankinlian.com/Latest.aspxTue, 26 Oct 2010 13:10:01 GMTThis article explains the structure of a life insurance policy in simple terms for a lay person. It helps you to understand the role of a life insurance policy and how to pay the right price for its benefits. More importantly, it helps you to avoid paying too much for a life insurance policy that can become a financial burden to you for a lifetime.http://tankinlian.com/Latest.aspxMon, 25 Oct 2010 00:38:03 GMTThis job entrant is being pushed to buy a life insurance policy that he does not fully understand and will take away nearly 50% of his future savings. Read how to avoid this type of risk that falls on most young people.http://tankinlian.com/Latest.aspxSun, 24 Oct 2010 23:51:48 GMTIn this interview, Joseph Stiglitz talked about the harmed cause to 300 million families by the bad behavior of the banks and gave a gloomy forecast of the US getting out of the recession.http://tankinlian.com/Latest.aspxSun, 24 Oct 2010 05:36:28 GMTNobel Prize Economist Joseph Stiglitz recommends that corporate crooks should be sent to jail. He explained about how bad their behavior has been.http://tankinlian.com/Latest.aspxSun, 24 Oct 2010 05:34:59 GMTI found a few interesting trends in japan that is likely to be followed in Singapore.http://tankinlian.com/Latest.aspxSat, 23 Oct 2010 06:30:32 GMTA consumer that invest the savings in a life insurance policy should take account of future inflation and aim for a yield that is higher than inflation. They should not just aim for a return of the premium, as the inflation would have reduced the value of the savings by up to 75%.http://tankinlian.com/Latest.aspxTue, 19 Oct 2010 05:02:17 GMTI have the following conversion with someone who is considering to be a financial planner. Here are the issues involved in this decision.http://tankinlian.com/Latest.aspxTue, 19 Oct 2010 01:32:27 GMTRead this conversation with a lady accountant. It addresses the issues about critical illness, life insurance and savings in a low cost investment fund.http://tankinlian.com/Latest.aspxMon, 18 Oct 2010 23:45:43 GMTHere are some of the misleading statements used by insurance agents to sell life insurance policies to consumers. These consumers actually give poor values, but the agents were able to mislead the consumers by pointing out to the wrong figures and giving the wrong explanation to the figures. Most consumers were ignorant and easily "taken by a ride".http://tankinlian.com/Latest.aspxSun, 17 Oct 2010 15:42:54 GMTGarrett Goh shares his experience on investing in low cost funds.http://tankinlian.com/Latest.aspxSun, 17 Oct 2010 02:07:24 GMTIf your car is more than 5 years old, you may find it beneficial to insure it under a third party insurance policy and save 30% to 50% of the premium.http://tankinlian.com/Latest.aspxSat, 16 Oct 2010 02:22:59 GMTThis is a talk that will be conducted by FISCA to guide consumers on choosing the suitable insurance in the Singapore market. It replaces the previous title, "Consumer Guide to Insurance"http://tankinlian.com/Latest.aspxFri, 15 Oct 2010 04:25:05 GMTIt is easy to produce billionaires. Singapore has shown how it can be done easily. Read this secret!http://tankinlian.com/Latest.aspxThu, 14 Oct 2010 01:34:48 GMTA lady asked me this question. It seems to be a naive question, but it does reflect the level of knowledge of many consumers in Singapore who are not able to get information to form their own opinion and have to rely on advice of other people. Read my answer here.http://tankinlian.com/Latest.aspxThu, 14 Oct 2010 00:52:32 GMTHere are some consumer views on the excessive charges made by corporations.http://tankinlian.com/Latest.aspxWed, 13 Oct 2010 01:00:49 GMTThis is an interesting account of the US housing crisis during the years 2006 to 2008.http://tankinlian.com/Latest.aspxTue, 12 Oct 2010 11:30:12 GMTHere are two pages containing the key financial information, extracted from the prospectus of Global Logistics Property that is now being offered to the public. The full propectus can be obtained from the MAS website.http://tankinlian.com/Latest.aspxTue, 12 Oct 2010 02:59:50 GMTOur business corporations are carrying out questionable practices in levying excessive charge for incidental services. They customers have no choice but to pay the ransom. This type of behavior should be checked by the regulators.http://tankinlian.com/Latest.aspxTue, 12 Oct 2010 02:16:00 GMTInternational bank regulators are planning new rules to prevent "too big to fail" banks to fail by asking them to put up more capital. They are also trying to write "wills" for these banks so that when needed, they can be made bankrupt without pulling down others. Banks already started lobbying against it ... say will derail economic recovery ...http://tankinlian.com/Latest.aspxTue, 12 Oct 2010 00:21:13 GMTHere is a case story of the stress faced by a policyholder after switching a Shield plan to a new insurer. The previous insurer refused to honor the claims arising from an accident that occurred before the switch. I believe that the action of the previous insurer is unjustified and should be reprimanded.http://tankinlian.com/Latest.aspxTue, 12 Oct 2010 00:02:15 GMTIs it a good time now to invest in REITS? Here is my view.http://tankinlian.com/Latest.aspxMon, 11 Oct 2010 04:49:33 GMTMany people think that globalization has benefited the world. They overlooked the harm and negative impact brought about my globalization. My view is that it has caused more harm than good. There is also an alternative to globalization for the inflow of capital and jobs. My views are in this article.http://tankinlian.com/Latest.aspxMon, 11 Oct 2010 03:34:54 GMTThis article is suitable for a person who wishes to make a career in an insurance company as an underwriter or business manager. It is also suitable for an insurance consumer to know if a fair rate of premium is being charged for the coverage.http://tankinlian.com/Latest.aspxSat, 09 Oct 2010 04:12:27 GMTA survey shows that customers are fed up with automated self service system. They spend a lot of time trying to reach a human being. They dislike the long waiting time. Why are companies still introducing such automated systems, which are costly and end up in lower productivity and lost business? It is time for companies to change their system to improve productivity and retain their customers.http://tankinlian.com/Latest.aspxFri, 08 Oct 2010 07:56:43 GMTIf you are offered a participating policy, you will get a benefit illustration that shows the projected yield based on 3.75% and 5.25% p.a. This article explain show you can calculate the percentage of the value of accumulated premium that is deducted from your policy.http://tankinlian.com/Latest.aspxFri, 08 Oct 2010 05:31:11 GMTSome experts have concluded that the global economy needs to be restructured to get out of its current mess. I agree with this view. Here are my suggestions on the areas that need to be restructured. It is quite different from the current situation. We have to accept major changes to what we have got used to.http://tankinlian.com/Latest.aspxFri, 08 Oct 2010 00:51:38 GMTShould a system of contingency fee be practiced for lawyers and medical specialists, so that they get paid their fee only on successful outcome of the case? Here are the results of a survey of 34 people.http://tankinlian.com/Latest.aspxThu, 07 Oct 2010 06:49:03 GMTI engage the services of Typent to check the security and monitor the performance of my server in the data center. They will alert me if there is any security threat or potential failure of the hardware or software on the server.http://tankinlian.com/Latest.aspxWed, 06 Oct 2010 10:14:21 GMTA consumer ask his insurance company if the home insurance policy covers damage to the home caused by a falling tree. He gets a vague answer. Here is my view about the coverage.http://tankinlian.com/Latest.aspxWed, 06 Oct 2010 05:14:38 GMTThis article explains why it is better to be insured under Medishield, compared to Private Shield, especially for the elderly and retired people. The consumer pays a lower premium and a lower co-payment under Medishield (by going to subsidized wards) and get a similar quality of medical care.http://tankinlian.com/Latest.aspxWed, 06 Oct 2010 04:07:38 GMTHere is a letter written by FISCA to the Straits Times on the NCD protectorhttp://tankinlian.com/Latest.aspxWed, 06 Oct 2010 01:21:21 GMTHere is a case study of an alleged inflated injury claim caused by a motor accident. Motorists are likely to encounter such situation during their years of driving.http://tankinlian.com/Latest.aspxWed, 06 Oct 2010 00:53:33 GMTThis article explains how you can use Excel to calculate the accumulated amount of your savings and the net yield after allowing for the effect of deduction of a life insurance policy.http://tankinlian.com/Latest.aspxTue, 05 Oct 2010 00:51:17 GMTThis article shows how you can get the relevant figures from a Benfit Illustration to see if you are getting a fair yield on your life insurance policy.http://tankinlian.com/Latest.aspxTue, 05 Oct 2010 00:20:23 GMTHere are some tips on how you can invest your savings in a low cost investment fund to earn a target yield of 5% per annum, and manage your risk over the long term.http://tankinlian.com/Latest.aspxMon, 04 Oct 2010 23:49:56 GMTHere is a case study of a motorist who met with an accident involving injury. The insurance company asked him to settle the injury claim out of court. He is worried about having to attend court.http://tankinlian.com/Latest.aspxSun, 03 Oct 2010 23:48:40 GMTIs it fair for the insurance company to charge a higher premium for older drivers, beyond 70 years? Here are my views.http://tankinlian.com/Latest.aspxSun, 03 Oct 2010 00:07:50 GMTA brief summary of Rubik Cube and links to video on how to solve this puzzle.http://tankinlian.com/Latest.aspxSat, 02 Oct 2010 09:42:12 GMTThe borrower wishes to re-finance a HDB loan (on non-concessionary rates) with a bank loan to enjoy lower interest rate. Here are the factors to take into consideration.http://tankinlian.com/Latest.aspxSat, 02 Oct 2010 00:36:48 GMTThe government has the philosophy that consumers are best served by a free market and that there there is less need for regulation. The Competition Competition was set up to disallow associations from setting guidelines for prices. In practice, this approach has worked to the disadvantage of consumers, as they are exposed to malpractices of the providers. There is a need for better regulation and transparency, while allowing prices to be set by guidelines that are determined by the market.http://tankinlian.com/Latest.aspxFri, 01 Oct 2010 23:45:52 GMTHere is a case study of an investment-linked policy that takes away 65% of the accumulated savings of the young policyholder. This is shocking. It is excessive, and is ripping of the consumer.http://tankinlian.com/Latest.aspxThu, 30 Sep 2010 04:40:02 GMTThis is the case of a young person who bought an investment linked policy from a life insurance company that has been very active in promoting this policy. The policy provides a poor yield.http://tankinlian.com/Latest.aspxThu, 30 Sep 2010 04:08:56 GMTView this infographichttp://tankinlian.com/Latest.aspxThu, 30 Sep 2010 02:41:26 GMTTelemarketing calls can be irritating. It can also incur cost to the consumer who is overseas. Here is the experience of a consumer who ask for the calls to be stopped and for the roaming charges to be reimbursed.http://tankinlian.com/Latest.aspxWed, 29 Sep 2010 09:16:06 GMTThis is a summary of the key features of the Select Bus Service Bx12 that has been implemented in New York City.http://tankinlian.com/Latest.aspxWed, 29 Sep 2010 08:14:14 GMTNew York City has introduced a new concept of uses buses that can travel fast and have short waiting time to load and unload passengers. They are using the concepts of the subway - prepaid fares and dedicated bus lanes. The cost of this system is less than 1% of the subway system. It can be implemented in a short time (compared to years to build a subway line). The bus service Bx12 in New York has proven to be successful. It is well received by commuters and has fast travelling time. Source; New York magazine.http://tankinlian.com/Latest.aspxWed, 29 Sep 2010 07:41:45 GMTA consumer asks for my views about whether the IPO from the Government of Singapore Investment Corporation, that is expected to be launched soon. Is this a good investment? I am not able to give an opinion. I asked an analyst to make a summary of the investment.http://tankinlian.com/Latest.aspxWed, 29 Sep 2010 04:23:43 GMTA CPF members can invest the savings in the ordinary and special account under the CPF Investment scheme to earn a better yield (hopefully) compared to the interest paid by the CPF. Here are some details of this scheme.http://tankinlian.com/Latest.aspxWed, 29 Sep 2010 01:15:09 GMTTelephone operators have too many customers and too many products and insufficient staff to provide customer service. Here are some complaints.http://tankinlian.com/Latest.aspxWed, 29 Sep 2010 00:40:41 GMTThis guide explains how to use the Corporate Manualhttp://tankinlian.com/Latest.aspxTue, 28 Sep 2010 04:25:01 GMTAn insurance company may introduce a new policy with special features, but the consumer should not be distracted by these frills that they overlook the high cost of the main policy (as reflected by the high deduction from the accumulated premiums).http://tankinlian.com/Latest.aspxTue, 28 Sep 2010 00:51:37 GMTDaniel Choy has summarised the new rules on HDB and private properties that take effect after 30 August 2010.http://tankinlian.com/Latest.aspxMon, 27 Sep 2010 01:11:00 GMTDownturn sees 'boiler room' share scams make a comeback. They sell fake or worthless shares, and also pretend to sell legitimate shares, which the purchaser never receives certificates for. Many young people are being conned into these bad investments.http://tankinlian.com/Latest.aspxSun, 26 Sep 2010 04:26:31 GMTRead this letter. My view: It is wrong for the insurance company to load the premium to a policyholder who has paid an additional premium for a NCD protection.http://tankinlian.com/Latest.aspxSun, 26 Sep 2010 04:13:20 GMTRead this letter written by a father to a son who has just graduated and will be starting work. It reflects the words of wisdom from a father who has learnt the lesson of blind trust and wish to pass it to his son. Please pass this letter to your friends who are starting work soon.http://tankinlian.com/Latest.aspxSun, 26 Sep 2010 02:06:06 GMTAngiogenesis and how it can help to fight cancer.http://tankinlian.com/Latest.aspxSat, 25 Sep 2010 04:43:47 GMTThis is a useful guide to understand your blood test report.http://tankinlian.com/Latest.aspxSat, 25 Sep 2010 04:28:29 GMTHaving a sound mind for finance, and the rises and falls of the economic world; we have created this infographic. The latest economic crisis has had one key player: Alan Greenspan. This infographic looks into what is happening in the current economic climate.http://tankinlian.com/Latest.aspxSat, 25 Sep 2010 03:32:18 GMTThis document explains how the BEST software can be used to train business managers in making decisions on pricing, marketing and capacity to achieve the best profit for the company. It can be used in a number of industries, such as insurance, banking, hotel, airline, retail and manufacturing.http://tankinlian.com/Latest.aspxSat, 25 Sep 2010 02:33:55 GMTThis guide shows how to play the game in the classroom mode.http://tankinlian.com/Latest.aspxSat, 25 Sep 2010 02:11:28 GMTThe tangram and shape quiz (easy and bright versions) are now available (on OS3) on Apple App Store for free download. Try them and give your rating. The paid versions (with 100 shapes) will be available soon.http://tankinlian.com/Latest.aspxFri, 24 Sep 2010 00:23:45 GMTThe author carried out a representative survey of around 5,000 people to find out their perception of the wealth distribution in America and the pattern of distribution that they consider to be ideal. The respondents under-estimated the inequality of wealth distribution, due to unawareness of the actual situation, and indicated a strong preference for a wealth distribution that is closer to Sweden. These lessons are relevant for Singapore, where the inequality in wealth distribution is worse than America.http://tankinlian.com/Latest.aspxThu, 23 Sep 2010 22:58:32 GMTThis document is taken from Wikipedia. It explains about the features of universal life policy sold in America.http://tankinlian.com/Latest.aspxThu, 23 Sep 2010 05:01:00 GMTThis writer suggest an alternative approach to replace CPF Life which is quite complicated to many citizens and is not widely accepted.http://tankinlian.com/Latest.aspxWed, 22 Sep 2010 00:24:42 GMTIs it possible to simplify means testing? Yes. The best form of means testing is to get rid of it and offer the same access to education, health care and social benefits to all citizens regardless of their income level. Those at higher income levels can pay more income tax.http://tankinlian.com/Latest.aspxWed, 22 Sep 2010 00:07:42 GMTSome patients were shocked to find that their medical bills had escalated to a few times of what was originally indicated. They were caught by the consent form that they had signed, and were not aware of the clause that allowed additional billings to be added.http://tankinlian.com/Latest.aspxTue, 21 Sep 2010 17:53:21 GMTShould the state own business enterprises? How can the state ensure that these enterprises are run efficiently? Does privatisation of these enterprises produce more efficient businesses? Read my views in this article.http://tankinlian.com/Latest.aspxMon, 20 Sep 2010 01:35:23 GMTIn this article, I have given my reasons in support of a minimum wage to be implemented in Singapore. I have also explained why the negative aspects of the minimum wage are likely to be less serious than feared. Apart from helping the lower income workers, a minimum wage will lead to a more sustainable economy.http://tankinlian.com/Latest.aspxSun, 19 Sep 2010 22:07:04 GMTMr. Tan suggest that contingency fee should be practiced for lawyers and professionals to avoid the conflict of interest and encourage them to give better advice for the consumers.http://tankinlian.com/Latest.aspxSun, 19 Sep 2010 02:28:47 GMTThis case study shows an increase in policy charges for an investment-linked policy. In this case, the revision is of a modest amount and is quite reasonable.http://tankinlian.com/Latest.aspxSun, 19 Sep 2010 02:04:34 GMTIn my book on financial planning, I advised consumers to invest for the long term in a low cost investment fund. The FISCA talk "Invest for the Long Term" will cover the ETFs and other funds that have low charges that are suitable for long term investors. They will also cover a few blue chip shares that can be invested as a proxy for the investment fund. Go to www.fisca.sg and register for the talk on Saturday 25 April, 3 to 6 pm at SMU.http://tankinlian.com/Latest.aspxSat, 18 Sep 2010 01:34:04 GMTIf you know of any person with late stage cancer, do get the family to read this article and make the right choice.http://tankinlian.com/Latest.aspxSat, 18 Sep 2010 01:14:25 GMTThis Guide shows how to use the Easy Ads portal that will be launched on 1 October 2010.http://tankinlian.com/Latest.aspxFri, 17 Sep 2010 14:17:53 GMTIt is best for a retiree to be insured under Medishield and be treated in a subsidised ward. This case study shows the risk and the stress of having an expensive hospital bill being rejected under a private Shield plan.http://tankinlian.com/Latest.aspxFri, 17 Sep 2010 01:07:52 GMTTwo thirds of Mio customers give a poor rating to this service.http://tankinlian.com/Latest.aspxFri, 17 Sep 2010 00:29:44 GMTThis consumer learned how to compute the distribution cost and the effect of deduction from a talk conducted under FISCA. He was shocked to learn that his friend had sold him several policies that gave a poor deal to him.http://tankinlian.com/Latest.aspxThu, 16 Sep 2010 06:34:57 GMTHow much should a consumer claim for compensation for injury caused by an accident in the premises of a supermarket?http://tankinlian.com/Latest.aspxWed, 15 Sep 2010 14:24:27 GMTMr. Tan explains why it is better for most retirees, who have inadequate savings for their living expenses, to be insured under basic Medishield and to get treatment in a subsidized ward. Those who are well off can pay a higher premium for private Shield, if they wish to.http://tankinlian.com/Latest.aspxTue, 14 Sep 2010 08:16:30 GMTHere is a guide for you to seek advice from an adviser on a financial, medical or legal matter. Be prepared to pay a fee for the time spent. You can reduce the time that is spent by doing your homework and presenting the facts in an organised format to the adviser. You should also follow this guide if you wish to seek free assistance from me under "Ask Mr. Tan". Tan Kin Lianhttp://tankinlian.com/Latest.aspxTue, 14 Sep 2010 05:12:13 GMTHere are some jokes about seniors - not able to hear or rememberhttp://tankinlian.com/Latest.aspxMon, 13 Sep 2010 04:59:24 GMTHere is a case study of a Medishield insurance taken by an elderly person. The premium is only 20% of the premium charged for a private Shield insurance. There is no need for an elderly person to take private Shield, as the cost is so much higher. An elderly person can be treated in B2 ward which is highly subsided by the Government.http://tankinlian.com/Latest.aspxSun, 12 Sep 2010 23:39:06 GMTA life insurance agent will get a consumer to stop an existing policy and take up a new policy for its "better benefits". This is an unethical practice called "twisting". The consumer is usually fooled by the agent and suffers a large loss in taking this bad decision. Read this FAQ to learn how to avoid being fooled.http://tankinlian.com/Latest.aspxSun, 12 Sep 2010 01:14:49 GMTHow do you find the content and presentation of this website? Please take part in this survey.http://tankinlian.com/Latest.aspxSat, 11 Sep 2010 14:59:53 GMTThis Spanish bank BBVA is pioneering a new type of ATMhttp://tankinlian.com/Latest.aspxFri, 10 Sep 2010 09:47:41 GMTRead this article. It tells you how you should live your life, so that you will not face the same regrets.http://tankinlian.com/Latest.aspxFri, 10 Sep 2010 09:42:28 GMTWhen you bet, make sure you get a fair payout and that the game cannot be fixed. Here are some tips.http://tankinlian.com/Latest.aspxThu, 09 Sep 2010 12:30:50 GMTHere are 8 clues to pursue happiness. Money is only a small factor. Khushwant Singh is a is a prominent Indian novelist and journalisthttp://tankinlian.com/Latest.aspxThu, 09 Sep 2010 06:31:45 GMTIs it advisable for a 50 year old to buy a critical illness policy? Read this case studyhttp://tankinlian.com/Latest.aspxWed, 08 Sep 2010 04:08:06 GMTThis portal contains information to guide citizens on the issues that will be raised at the General Election to be held in 2010 or 2011.http://tankinlian.com/Latest.aspxTue, 07 Sep 2010 04:40:36 GMTMany people ask me to explain the different types of insurance policies that should be taken by an individual. The answer is, "just consider your real risk". Do not be distracted by bad advice given by an agent who is keen to earn the commission by selling a high cost insurance policy to you, that you do not really need or gives you a poor yield on your savings.http://tankinlian.com/Latest.aspxTue, 07 Sep 2010 02:58:37 GMTMr. Tan list down the FAQs that are essential for young people to read, before they buy a life insurance policy soon after they start work.http://tankinlian.com/Latest.aspxTue, 07 Sep 2010 00:35:00 GMTHere is a letter sent by a policyholder in Chinese. I have translated it into English and edited to shorten it. It shows the anguish of a consumer who has been cheated of his savings.http://tankinlian.com/Latest.aspxMon, 06 Sep 2010 00:05:16 GMTA life insurance agent uses several statements that are half truths to fool a consumer to buy a whole life or investment linked policy that is bad for the consumer. This is explained in this FAQ.http://tankinlian.com/Latest.aspxSun, 05 Sep 2010 08:41:28 GMTA consumer ask why it is better to "buy term and invest the rest". He thinks that a whole life policy is better. The answer is given in this article.http://tankinlian.com/Latest.aspxSat, 04 Sep 2010 21:04:24 GMTYeo has an innovative idea to save the car from flooding in the basement car park, if you have to be out of town for a month.http://tankinlian.com/Latest.aspxSat, 04 Sep 2010 12:44:15 GMTA parent bought a Family3 policy for a child. He was attracted to the limited 10 year payment and the series of cash bonus and survival benefits, but was not aware about the cost of the insurance. Here is an analysis of the policy and the alternative of investing the same sum of money in a low cost investment fund.http://tankinlian.com/Latest.aspxSat, 04 Sep 2010 04:57:41 GMTIn this case study, I analyze the key features of the Family3 policy which has recently been launched, and is actively marketed by the agents.http://tankinlian.com/Latest.aspxWed, 01 Sep 2010 06:44:23 GMTThis is the soft copy of my book, Story of Bright Town. It tells the story about how a fictitious Bright Town introduced a portal to provide e-government services for its citizens. Feel free to download the soft copy and give your feed back to kinlian@gmail.comhttp://tankinlian.com/Latest.aspxTue, 31 Aug 2010 04:58:47 GMTMr. Tan explains the technique to solve the famous Einstein Quiz. This is a logic quiz involving 5 houses in different colors occupied by different nationalities, with different pets, beverages and smoke different tobaccos.http://tankinlian.com/Latest.aspxTue, 31 Aug 2010 04:23:09 GMTThe Prime Minister spoke at the National Day Rally on 29 August 2010. He announced several initiatives that will be taken by the Government. Here are the results of a survey of the views of the public to these initiatives.http://tankinlian.com/Latest.aspxMon, 30 Aug 2010 21:10:36 GMTHere is an actual case study of an investment-linked policy in 2008. Most policies follow the same pattern. It contains a few issues that the consumer should be aware of.http://tankinlian.com/Latest.aspxMon, 30 Aug 2010 04:25:38 GMTRead this article for the actual case study of an investor who invested in the STI ETF over the past 6 years.http://tankinlian.com/Latest.aspxMon, 30 Aug 2010 03:48:11 GMTThis app uses an easy way to solve the tangram puzzles. You touch and drop the piece.http://tankinlian.com/Latest.aspxSun, 29 Aug 2010 14:09:23 GMTThis app challenges you to solve the tangram puzzles - using move, rotate and flip.http://tankinlian.com/Latest.aspxSun, 29 Aug 2010 14:08:29 GMTThis article covers the views of Singaporeans on the proposal to disallow the casino from granting credit to gamblers.http://tankinlian.com/Latest.aspxSat, 28 Aug 2010 02:30:21 GMTMr. Tan explains the exchange traded fund (ETF) available in the Singapore Exchange that are based on Singapore equities.http://tankinlian.com/Latest.aspxSat, 28 Aug 2010 01:00:28 GMTThis FAQ explains the key features of IC21, a low cost software developed by Tan Kin Lian & Associates with a partner, that can be used for a small insurance company with a limited budget for I.T. computerisation.http://tankinlian.com/Latest.aspxFri, 27 Aug 2010 00:54:38 GMTThis FAQ shows some blue chip shares with high dividend yields. It explains the low risk of investing in these shares for the long term.http://tankinlian.com/Latest.aspxThu, 26 Aug 2010 23:33:46 GMTMr. Tan explains how to invest in Government bonds and its advantages and pitfalls. It will be affected for a future change in interest rate.http://tankinlian.com/Latest.aspxWed, 25 Aug 2010 23:46:59 GMTShould the government forbid the casino from granting credit on gambling? Should gambling debts given out by loan sharks be void and unenforceable? Read the views here.http://tankinlian.com/Latest.aspxTue, 24 Aug 2010 00:42:28 GMTMr. Tan gives some tips on what should be insured and what should be self-insured. You should insure the events that are infrequent and have high financial impact. For the more frequent events with low financial impact, you should pay for them out of personal savings.http://tankinlian.com/Latest.aspxMon, 23 Aug 2010 00:38:12 GMTHere are the analyses of a few life insurance products, based on the benefit illustrations. Most of these products have high distribution cost and high effect of deductions, leaving a poor yield for the consumer. The products in the market today (in 2010) are much worse that those sold many years ago.http://tankinlian.com/Latest.aspxSun, 22 Aug 2010 07:18:16 GMTThis survey was carried out on the ruling by the Competition Commission against the medical fee guidelines issued by the Singapore Medical Association. 95% of the 40 respondents prefer to have the guidelines in place.http://tankinlian.com/Latest.aspxSat, 21 Aug 2010 02:04:22 GMTThis video introduces the tangram book - 100 interesting shapes of birds, fish, animals and people that can be formed from the 7 pieceshttp://tankinlian.com/Latest.aspxFri, 20 Aug 2010 03:17:14 GMTThis video introduces the 100 puzzles in the shape quiz book.http://tankinlian.com/Latest.aspxFri, 20 Aug 2010 02:37:05 GMTThis brochure highlights the benefits of a PDF centric website.http://tankinlian.com/Latest.aspxThu, 19 Aug 2010 06:22:39 GMTHere is a report on the survey about the Singapore Dream. The participants gave their views on two version of the dream presented by SM Goh and Lucky Tan.http://tankinlian.com/Latest.aspxThu, 19 Aug 2010 00:26:45 GMTHere are some tips on what the motorist should do, in the event of an accident. Get photos, get witness and make a report to the insurance company, even if you do not intend to make an insurance claim.http://tankinlian.com/Latest.aspxWed, 18 Aug 2010 06:23:04 GMTSmall businesses and property agents need to distribute marketing flyers to advertise their products and services. Occupiers of the homes complaint about the junk mail that appear in their mailboxes daily. Is there an inexpensive way for the advertisers to tell consumers about their products? How about an advertisement portal?http://tankinlian.com/Latest.aspxWed, 18 Aug 2010 03:37:40 GMTMany countries have strong insurance regulations to ensure that consumers are treated fairly. Some countries have adopted the light touch approach and have found that this approach is flawed. There is a need for Singapore to study the past experience and actual facts and review its approach.http://tankinlian.com/Latest.aspxWed, 18 Aug 2010 00:34:30 GMTMr. Tan explains the need for an efficient feeder service to complete the hub and spoke system of public transport. The recently launch of the distance-based fare does not address this challenge and has not been well received by commuters.http://tankinlian.com/Latest.aspxTue, 17 Aug 2010 22:06:28 GMTI will be giving a talk on risk management for young people. Most people were badly advised by agents to use life insurance as the key form of managing risk. I wish to give an alternative approach, involving personal savings, supplemented by term insurance and Medishield.http://tankinlian.com/Latest.aspxTue, 17 Aug 2010 14:08:26 GMTTypent provides a service to a small company to take care of its I.T. infrastructure and security at a modest fee, giving cost savings compared to employing a dedicated I.T. specialist. The business owner will enjoy the peace of mind that an expert is looking after these critical issues.http://tankinlian.com/Latest.aspxTue, 17 Aug 2010 02:55:15 GMTHere are the term insurance rates from insupermart.com. This is a subsidiary of Philips Securities. The term insurance is provided by NTUC Income. The rates are generally higher than the SAF Group Insurance, but is suitable for those who are not able to get cover under the SAF or other group insurance scheme.http://tankinlian.com/Latest.aspxMon, 16 Aug 2010 23:29:46 GMTMr. Tan explains the options for investing your minimum sum at age 55 and how to choose between the retirement account, CPF Life annuity and buying a life annuity from an insurance company.http://tankinlian.com/Latest.aspxSun, 15 Aug 2010 13:22:12 GMTMr. Tan shares his experience in building excellent customer service in an enterprise that he headed in the past. He explains the importance of having the an effective strategy that is backed by a good system, infrastructure and well trained employees.http://tankinlian.com/Latest.aspxFri, 13 Aug 2010 07:22:34 GMTFor senior citizens, something to laugh about.http://tankinlian.com/Latest.aspxFri, 13 Aug 2010 04:57:20 GMTI have developed a website that is easy for the public to search for information in the database and for me to update the database. This website, www.tankinlian.com, now receives 400 visitors every day. I am able to offer this template to any organisation that wish to adopt a this style of a dynamic website.http://tankinlian.com/Latest.aspxThu, 12 Aug 2010 00:26:39 GMTMr. Tan explains the various ways to manage risks, besides buying insurance. He also explains the importance of savings as a form of risk management and the important factors to look for in selecing an insurance policy.http://tankinlian.com/Latest.aspxTue, 10 Aug 2010 03:04:14 GMTThis brochure explains the prototype portal of the Bright Town Portal that can be used to provide government services to the citizens of a town. The services include education, medical and other services and applications for financial grants and licences.http://tankinlian.com/Latest.aspxTue, 10 Aug 2010 00:07:15 GMTMr. Tan explains why insurance is not available to cover unemployment and what is the best way for consumers to be financially secure against the risk of unemployment.http://tankinlian.com/Latest.aspxSun, 08 Aug 2010 14:22:11 GMTMr. Tan explains what is a participating life assurance policy and how are the reversionary bonus ro cash dividend calculated for these policies.http://tankinlian.com/Latest.aspxSat, 07 Aug 2010 23:22:15 GMTMr. Tan explains why it is better to invest in the financial products traded in the Singapore Exchange (SGX) compared to other platforms, such as the products offered by banks and marketing intermediaries. The SGX offers a wide range of products at transparent prices with narrow spreads and allow you to buy or sell the same prodcut. However, unit trusts are not traded on the SGX.http://tankinlian.com/Latest.aspxFri, 06 Aug 2010 12:05:54 GMTMr. Tan explains about this new product that is popular in some countries and may become popular in Singapore. It is similar to a unit linked policy. Interest is credited on the savings in the policy, usually at a rate that is higher than savings with a bank. However, consumers should be aware about the charges, which are usually not explained by the agent.http://tankinlian.com/Latest.aspxFri, 06 Aug 2010 10:51:44 GMTMr. Tan gives some information about investing in government and corporate bonds in Singapore.http://tankinlian.com/Latest.aspxThu, 05 Aug 2010 06:58:21 GMTEldershield is a long term disability scheme operated by the Ministry of Health. All CPF members are required to automatically covered under the scheme unless they decide to opt out. Should you opt out? Here are the facts to help you to make a decision.http://tankinlian.com/Latest.aspxThu, 05 Aug 2010 01:29:00 GMTThis application has been developed for an insurance company to provide group insurance to its distribution partners to sell the insurance to their members and customers.http://tankinlian.com/Latest.aspxWed, 04 Aug 2010 01:52:09 GMTHere is a reference to 50 articles about medical insurance coverage. You should read the relevant article before you go for surgery.http://tankinlian.com/Latest.aspxTue, 03 Aug 2010 23:04:07 GMTMr. Tan explains the home protection scheme provided by CPF to its members who uses the CPF savigns to buy a HDB flathttp://tankinlian.com/Latest.aspxMon, 02 Aug 2010 11:34:38 GMTMr. Tan explains the Dependent Protection Scheme offered by CPF to its members. It pays a benefit of $46,000 on the death or permant incapacity of its members. The premium rate depends on the age in each renewal.http://tankinlian.com/Latest.aspxMon, 02 Aug 2010 11:12:54 GMTWhat are the perils insured under an insurance policy? What are acts of God and are these events excluded under all insurance policies? How are flood, hurricanes, earthquaks, tsunamis treated?http://tankinlian.com/Latest.aspxSun, 01 Aug 2010 04:57:19 GMTThe financial industry is making too much money at the expense of ordinary people. This article explains why you should invested in a low cost indexed fund, or an exchange traded fund.http://tankinlian.com/Latest.aspxSat, 31 Jul 2010 10:14:41 GMTMr. Tan gives some guidelines on investing in properties.http://tankinlian.com/Latest.aspxSat, 31 Jul 2010 08:07:25 GMTMr. Tan gives some tips on how unit trust operates and what to look for in selecting a unit trust.http://tankinlian.com/Latest.aspxFri, 30 Jul 2010 07:01:21 GMTMr. Tan explains the key features of an investment-linked policy and how it is different from a whole life policy. It also covers the mortality charges and expenses. It is better for consumers to buy a term insurance policy and invest the rest of the savings in a low cost investment fund.http://tankinlian.com/Latest.aspxThu, 29 Jul 2010 04:40:27 GMTMr. Tan gives some tips on how to choose suitable shares or funds to invest for the long term, when you decide to handle your own investment, instead of getting a low yield for your savings in an insurance policy.http://tankinlian.com/Latest.aspxWed, 28 Jul 2010 12:35:56 GMThttp://tankinlian.com/Latest.aspxTue, 27 Jul 2010 05:42:28 GMTMr. Tan explains a strategy for e-government services. It is low cost in implementation and helps to improve productivity of government agencies and provide better quality of service to the public.http://tankinlian.com/Latest.aspxMon, 26 Jul 2010 07:02:51 GMTMr. Tan explains the different types of life insurance plans in the market - whole life, endowment, term, critical illness. Investment linked plan will be explained in a separate document.http://tankinlian.com/Latest.aspxMon, 26 Jul 2010 06:54:45 GMTMr. Tan explains the coverage and premium rate under the SAF Group Insurance policy. It offers attractive coverage for term insurance, critical illness and personal accident insurance.http://tankinlian.com/Latest.aspxSun, 25 Jul 2010 09:06:44 GMTMr. Tan explains the key points to consider, when investing in preference shares.http://tankinlian.com/Latest.aspxSun, 25 Jul 2010 07:28:48 GMTWhen a marketing person approaches you to invest in a financial product, you have to be careful. Here is the reason.http://tankinlian.com/Latest.aspxSat, 24 Jul 2010 15:30:09 GMTMr. Tan explains about investing in blue chip shares for the long term.http://tankinlian.com/Latest.aspxSat, 24 Jul 2010 12:31:22 GMTMr. Tan gives some tips on choosing an insurance companyhttp://tankinlian.com/Latest.aspxFri, 23 Jul 2010 06:13:03 GMTThe rechargeable torchlight has a locator lamp that allows you to find the torchlight at night. It uses a rechargeable battery and each recharge can last for about two weeks. The torchlight can be recharged many times. Handy for use at home or for travel.http://tankinlian.com/Latest.aspxFri, 23 Jul 2010 04:41:12 GMTThis puzzle has taken the world by storm. It appears in the daily newspapers. Many people are hooked to the puzzle. Learn the three tips to solve the difficult puzzles. You can buy the pocket version (Logic9) or the book of challenging puzzles.http://tankinlian.com/Latest.aspxFri, 23 Jul 2010 04:39:12 GMTThis site shows you what you need to plan the perfect getaway ! From hotels to flights to restaurants and many exotic places, you name it, they have them all !http://tankinlian.com/Latest.aspxFri, 23 Jul 2010 04:38:02 GMTTips from Mr. Tan on the usage of e-mail accounts in the corporate environment.http://tankinlian.com/Latest.aspxFri, 23 Jul 2010 04:34:14 GMTOur third quiz is out. Try it !http://tankinlian.com/Latest.aspxFri, 23 Jul 2010 04:30:01 GMTThink the first one was too easy ? Try this one now !http://tankinlian.com/Latest.aspxFri, 23 Jul 2010 04:29:24 GMTWant something hard to solve and rack your brains off ? Challenge this quiz ! Theres a prize to be won too !http://tankinlian.com/Latest.aspxFri, 23 Jul 2010 04:28:51 GMTThese are the solutions to the Tangram Puzzles. Don't look at them unless you're really at your wits end. And finally, no cheating !http://tankinlian.com/Latest.aspxFri, 23 Jul 2010 04:27:51 GMTTry the tangram puzzle. Make the shapes from the 9 pieces of the tangram. Form interesting shapes of animals, fish, birds, people and objects.http://tankinlian.com/Latest.aspxFri, 23 Jul 2010 04:27:00 GMTInterested in Sudoku ? Yeah ! But want to get better at it ? Of course you can ! This site shows you the necessary tips on how to solve a sudoku puzzle !http://tankinlian.com/Latest.aspxFri, 23 Jul 2010 04:26:00 GMTHere are the solutions to the 100 shapes sold in the Shape Quiz mini-pak.http://tankinlian.com/Latest.aspxFri, 23 Jul 2010 04:25:12 GMTSolve 100 challenging shapes with 4 pieces. Some of the shapes require you to think "out of the box". Also called the 4 piece tangram.http://tankinlian.com/Latest.aspxFri, 23 Jul 2010 04:24:37 GMTPrint this page and try to form the interesting tangram shapes.http://tankinlian.com/Latest.aspxFri, 23 Jul 2010 04:23:52 GMTPrint this page and try to form the interesting shapeshttp://tankinlian.com/Latest.aspxFri, 23 Jul 2010 04:22:34 GMTPrint this page and try the intelligence quizhttp://tankinlian.com/Latest.aspxFri, 23 Jul 2010 04:21:56 GMTReally challenging quiz with 7 houses. More challenging than Einstein's puzzle with 5 houses.http://tankinlian.com/Latest.aspxFri, 23 Jul 2010 04:21:05 GMTInteresting quiz which makes your mind work more effectively !http://tankinlian.com/Latest.aspxFri, 23 Jul 2010 04:20:24 GMTVisit this website for puzzles and quizzes.http://tankinlian.com/Latest.aspxFri, 23 Jul 2010 04:18:51 GMTFor owners of strata title units to register their interest to join in enbloc sales.http://tankinlian.com/Latest.aspxFri, 23 Jul 2010 04:17:27 GMTAllows several contests to be organised using SMS to submit the contest entries. Has a feature to draw the prize at random from those who submitted correct entries.http://tankinlian.com/Latest.aspxFri, 23 Jul 2010 04:16:49 GMTSearch for a contractor, repairer, tutor or concierge.http://tankinlian.com/Latest.aspxFri, 23 Jul 2010 04:12:31 GMTThis is a listing of properties for sale and rental. Search by price range and distance to a reference point, e.g. MRT station. The tenant or buyer can send a message to the advertiser to indicate interest.http://tankinlian.com/Latest.aspxFri, 23 Jul 2010 04:11:59 GMTThis is a prototype website that can be used by a large or small organistion. Information are stored in PDF that can be searched and downladed.http://tankinlian.com/Latest.aspxFri, 23 Jul 2010 04:11:28 GMTAn application for the Administrator to handle several applications with one login.http://tankinlian.com/Latest.aspxFri, 23 Jul 2010 04:10:36 GMTThis application allows job seekers to search for a job near their homehttp://tankinlian.com/Latest.aspxFri, 23 Jul 2010 04:09:58 GMTTo keep membership of each group, store information for reference by the group and send e-mails to remind members to log in.http://tankinlian.com/Latest.aspxFri, 23 Jul 2010 04:09:18 GMTAn application for a freight forwarder to handle its businesshttp://tankinlian.com/Latest.aspxFri, 23 Jul 2010 04:08:43 GMTThis application allows a participating organisation to create projects and folders and store documents in the folder.http://tankinlian.com/Latest.aspxFri, 23 Jul 2010 04:08:11 GMTA portal for several insurance companies to offer their insurance products for the consumers to buy directly.http://tankinlian.com/Latest.aspxFri, 23 Jul 2010 04:06:40 GMTThis application stores the electronic medical records of patients to be accessed by participating doctors.http://tankinlian.com/Latest.aspxFri, 23 Jul 2010 04:04:35 GMTThis application allows a company to handle its caseshttp://tankinlian.com/Latest.aspxFri, 23 Jul 2010 04:03:24 GMTCreate a database of bus stopshttp://tankinlian.com/Latest.aspxFri, 23 Jul 2010 04:02:38 GMTTry the intelligence quiz.http://tankinlian.com/Latest.aspxFri, 23 Jul 2010 04:02:05 GMTIf we think that the flood in Orchard Road is bad, look at the flood in Chinahttp://tankinlian.com/Latest.aspxThu, 22 Jul 2010 14:05:15 GMTMr. Tan gives financial planning tips for young adults who are starting on their first job.http://tankinlian.com/Latest.aspxWed, 21 Jul 2010 15:50:45 GMTHow do young people perceive the future in Singapore? This report, based on a survey of young people, presents a worrisome picture.http://tankinlian.com/Latest.aspxWed, 21 Jul 2010 14:17:26 GMTThis document explains the various several applications developed for use by consumers and business enterprise and located in the Easysearch Portal.http://tankinlian.com/Latest.aspxTue, 20 Jul 2010 14:23:22 GMTDr. Tommy Wong wrote two books on the spiritual approach towards live. This approach helps a person to find peace, love, joy and happiness.http://tankinlian.com/Latest.aspxTue, 20 Jul 2010 09:40:46 GMTThis simulation game allows an investor to learn the skill of picking the right stocks.http://tankinlian.com/Latest.aspxTue, 20 Jul 2010 04:49:11 GMTLearn the skill of picking the right stocks.http://tankinlian.com/Latest.aspxTue, 20 Jul 2010 04:46:38 GMTSome interesting photos of the Sky Park in Marina Bay Sandshttp://tankinlian.com/Latest.aspxMon, 19 Jul 2010 12:39:25 GMTHere is a brief description of the mobile applications that are being developed by Tan Kin Lian & Associates.http://tankinlian.com/Latest.aspxMon, 19 Jul 2010 12:27:45 GMTMr. Tan shares his knowledge on internet technology to clients who uses this consultancy service. It includes several web applications and portals that have been developed by Tan Kin Lian & Associates.http://tankinlian.com/Latest.aspxMon, 19 Jul 2010 12:19:58 GMTMr. Tan shares his 30 years experience and knowledge with insurance clients in this consultancy service.http://tankinlian.com/Latest.aspxMon, 19 Jul 2010 12:18:27 GMTHere are the views of respondents on the need for the Government to appoint a Commission of Inquiry on the floods.http://tankinlian.com/Latest.aspxMon, 19 Jul 2010 05:27:56 GMTHow do Singaporeans feel about the Youth Olympic Games that will be held in August 2010? Read this survey.http://tankinlian.com/Latest.aspxMon, 19 Jul 2010 04:20:12 GMTMr. Tan explains why you should avoid investing in land banking.http://tankinlian.com/Latest.aspxSun, 18 Jul 2010 09:42:06 GMTThis brochure shows how an organization can use the Customer Service Portal to provide its commonly used forms for its customers to make requests.http://tankinlian.com/Latest.aspxFri, 16 Jul 2010 10:07:52 GMTThis document explains how an organization can create a corporate manual to be used for reference by its employees at various levels.http://tankinlian.com/Latest.aspxFri, 16 Jul 2010 09:54:21 GMTThis application allows an organizatio to develop its website or a second website.http://tankinlian.com/Latest.aspxFri, 16 Jul 2010 09:05:42 GMTThis portal allows users to create a project, to create many folders in the project and to upload documents into the folders to be accessed by several users working in a team.http://tankinlian.com/Latest.aspxFri, 16 Jul 2010 08:40:33 GMTMr Tan explains the difference between life insurance polciies sold in the past and the present.http://tankinlian.com/Latest.aspxFri, 16 Jul 2010 06:58:28 GMTMr. Tan explains about the risks in structured products.http://tankinlian.com/Latest.aspxFri, 16 Jul 2010 04:04:23 GMTMr. Tan is able to give talks on fnancial planning to companies and other organisations. He will cover topics like, "How to invest savings", "Investments Products to Avoid" and many other more useful topics !http://tankinlian.com/Latest.aspxThu, 15 Jul 2010 05:47:31 GMTMr. Tan has published three volumes of the Intelligence Quiz based on the famous quiz created by Albert Einstein. The quiz involves 5 houses and gives 15 clues. If you solve all the clues logically, you will be able to decide on solve the puzzle.http://tankinlian.com/Latest.aspxThu, 15 Jul 2010 05:47:31 GMTDeveloping a customer communication strategy is critical for the success of a business that has to deal with many customers. In this workshop, Mr. Tan will explain how to build a develop this strategy and organise the contact center, website and other processes to support this strategy. It is suitable for a company that wishes to train its key employees who are involved in dealing with customrs.http://tankinlian.com/Latest.aspxThu, 15 Jul 2010 05:47:31 GMTThis book contains 100 shapes that can be solved using the 4 quiz pieces. Many hours of fun for children, adults and seniors. It trains the mind in problem solving and creativity.http://tankinlian.com/Latest.aspxThu, 15 Jul 2010 05:47:31 GMTMr. Tan gives some advice for a retiree on insurance, life annuity and financial planning issueshttp://tankinlian.com/Latest.aspxThu, 15 Jul 2010 05:47:31 GMTThis is an information about a talk on thinking and puzzles conducted by Mr Tan Kin Lian. In this talk, Mr Tan covers on how puzzles can be used to develop the thinking process, and also to develop skills that are useful for business decision makinghttp://tankinlian.com/Latest.aspxThu, 15 Jul 2010 05:47:31 GMTMr. Tan gives some tips for parents on how to save for a child's education and the type of insurance suitable for a child.http://tankinlian.com/Latest.aspxThu, 15 Jul 2010 05:47:31 GMTThis is pocket size and can be practised on a bus, train or plane. It contains 128 puzzles at four levels. A limited number of pocket books are still available. There will be no reprint after the stock runs out.http://tankinlian.com/Latest.aspxThu, 15 Jul 2010 05:47:31 GMTMr Tan gives some tips on motor insurancehttp://tankinlian.com/Latest.aspxThu, 15 Jul 2010 05:47:31 GMTMr Tan explains how the coverage under a personal accident insurance and why it is better than buying an accident rider to a life policy.http://tankinlian.com/Latest.aspxThu, 15 Jul 2010 05:47:31 GMTThis book contains Sudoku puzzles at the advaned level. It also contains tips on how to solve these puzzles.http://tankinlian.com/Latest.aspxThu, 15 Jul 2010 05:47:31 GMTThis is the outline of a free talk that Mr. Tan is able to give to students of tertiary educations. Teachers and student leaders can submit a request.http://tankinlian.com/Latest.aspxThu, 15 Jul 2010 05:47:31 GMTThe iShop contains the titles that are available for sale to the public. Click on "Details" to see the cover pageshttp://tankinlian.com/Latest.aspxThu, 15 Jul 2010 05:47:31 GMTMr. Tan gives some tips on how to approach Shield insurance from CPF or an insurance company.http://tankinlian.com/Latest.aspxThu, 15 Jul 2010 05:47:31 GMTYou should read the benefit illustration for a life insurance policy before buying the actual policy. This document explains what you have to look out for.http://tankinlian.com/Latest.aspxThu, 15 Jul 2010 05:47:31 GMTWhat steps are needed to prepare Singapore for a population of 6.5 million people?http://tankinlian.com/Latest.aspxThu, 15 Jul 2010 05:47:31 GMTMr. Tan gives tips on financial planning to the lay person. It is written in a simple style and is easily understood by the reader. The information is useful for them to make their financial decisions. This is the best selling book among the titles published by Mr. Tan.http://tankinlian.com/Latest.aspxThu, 15 Jul 2010 05:47:31 GMTMr. Tan offers a training program for participants to learn about the technique of pricing, marketing and setting capacity. This is useful for companies to give practical training to their marketing personnel. The simulation game is fun and educational. Read this Guide.http://tankinlian.com/Latest.aspxThu, 15 Jul 2010 05:47:31 GMTMr. Tan gives some views on dual currency investmentshttp://tankinlian.com/Latest.aspxThu, 15 Jul 2010 05:47:31 GMThttp://tankinlian.com/Latest.aspxThu, 15 Jul 2010 05:47:31 GMTA life annuity has its advantages but many people are not aware of how it works and its positive aspects.http://tankinlian.com/Latest.aspxThu, 15 Jul 2010 05:47:31 GMTThis book contains 100 interesing puzzles that can be formed from the 7 tangram pieces. the pieces are made from high precision plastic and are stored in a zip bag. Many hours of fun for children, adults and seniors. Useful to train the mind on problem solving and creativity.http://tankinlian.com/Latest.aspxThu, 15 Jul 2010 05:47:31 GMTHere are some steps to encourage people to give up their car and take public transporthttp://tankinlian.com/Latest.aspxThu, 15 Jul 2010 05:47:31 GMTMr. Tan gives some tips on how to decide on your existing life policieshttp://tankinlian.com/Latest.aspxThu, 15 Jul 2010 05:47:31 GMTWhat steps have to be taken for a person to have adequate savings for retirement?http://tankinlian.com/Latest.aspxThu, 15 Jul 2010 05:47:31 GMT