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	<title>Seth’s Blog on Finance</title>
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	<link>http://sethwee.com</link>
	<description>Independent Financial Planning · Ethical Advice</description>
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		<title>Start Investing With Only $500 — Her World</title>
		<link>http://sethwee.com/2014/11/04/start-investing-with-only-500-her-world/</link>
					<comments>http://sethwee.com/2014/11/04/start-investing-with-only-500-her-world/#respond</comments>
		
		<dc:creator><![CDATA[Seth]]></dc:creator>
		<pubDate>Tue, 04 Nov 2014 03:14:33 +0000</pubDate>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[my business model]]></category>
		<category><![CDATA[television]]></category>
		<guid isPermaLink="false">http://sethwee.com/?p=4599</guid>

					<description><![CDATA[Quite glad that an article I have been helping a writer with has finally been published. The November 2014 issue of Her World carries the article Start Investing With Only $500, and I am pleased that it even found a little spot on the cover page. I also realised that it is quite challenging to [&#8230;]]]></description>
		
					<wfw:commentRss>http://sethwee.com/2014/11/04/start-investing-with-only-500-her-world/feed/</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
			</item>
		<item>
		<title>Fat Fitness Trainers and Poor Financial Advisers</title>
		<link>http://sethwee.com/2014/10/31/fat-fitness-trainers-and-poor-financial-advisers/</link>
					<comments>http://sethwee.com/2014/10/31/fat-fitness-trainers-and-poor-financial-advisers/#comments</comments>
		
		<dc:creator><![CDATA[Seth]]></dc:creator>
		<pubDate>Fri, 31 Oct 2014 03:43:01 +0000</pubDate>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Industry & News]]></category>
		<category><![CDATA[clash of interests]]></category>
		<category><![CDATA[my business model]]></category>
		<guid isPermaLink="false">http://sethwee.com/?p=4550</guid>

					<description><![CDATA[A friend tweeted something one day, and it was along the lines of him not understanding the concept of a fat fitness trainer and the idea of a poor financial adviser. It is seemingly logical and I suppose most people would agree quite readily, but I couldn’t help but cringe at the rather misguided view. [&#8230;]]]></description>
		
					<wfw:commentRss>http://sethwee.com/2014/10/31/fat-fitness-trainers-and-poor-financial-advisers/feed/</wfw:commentRss>
			<slash:comments>2</slash:comments>
		
		
			</item>
		<item>
		<title>Eating One’s Own Dog Food</title>
		<link>http://sethwee.com/2014/09/01/eating-one%e2%80%99s-own-dog-food/</link>
					<comments>http://sethwee.com/2014/09/01/eating-one%e2%80%99s-own-dog-food/#respond</comments>
		
		<dc:creator><![CDATA[Seth]]></dc:creator>
		<pubDate>Mon, 01 Sep 2014 15:48:45 +0000</pubDate>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Industry & News]]></category>
		<category><![CDATA[bad sheep]]></category>
		<category><![CDATA[black sheep]]></category>
		<category><![CDATA[competence]]></category>
		<category><![CDATA[ethics]]></category>
		<guid isPermaLink="false">http://sethwee.com/?p=4473</guid>

					<description><![CDATA[I came across this video and somehow got reminded of a phenomenon that occurs with insurance agents. The video shows a man — who identifies himself as a Senior Brand Manager of a vacuum cleaner company — cleaning an area of the dirty floor of a subway station with his vacuum cleaner before spilling food [&#8230;]]]></description>
		
					<wfw:commentRss>http://sethwee.com/2014/09/01/eating-one%e2%80%99s-own-dog-food/feed/</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
			</item>
		<item>
		<title>Insurance firms must be made to justify higher premiums: TODAY voices</title>
		<link>http://sethwee.com/2014/01/17/insurance-firms-must-be-made-to-justify-higher-premiums-today-voices/</link>
					<comments>http://sethwee.com/2014/01/17/insurance-firms-must-be-made-to-justify-higher-premiums-today-voices/#respond</comments>
		
		<dc:creator><![CDATA[Seth]]></dc:creator>
		<pubDate>Fri, 17 Jan 2014 05:55:22 +0000</pubDate>
				<category><![CDATA[Industry & News]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[distribution model]]></category>
		<guid isPermaLink="false">http://sethwee.com/?p=4402</guid>

					<description><![CDATA[A reader of TODAY wrote in to the publication regarding his thoughts about the increase in insurance premiums: I see two current issues regarding insurance that impact cost of living. One is the wide range of premiums for health insurance offering similar hospitalisation coverage and the ability of insurers to hike premiums by a large [&#8230;]]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
			</item>
		<item>
		<title>When Boyfriends Give Bad Financial Advice</title>
		<link>http://sethwee.com/2014/01/10/when-boyfriends-give-bad-financial-advice/</link>
					<comments>http://sethwee.com/2014/01/10/when-boyfriends-give-bad-financial-advice/#respond</comments>
		
		<dc:creator><![CDATA[Seth]]></dc:creator>
		<pubDate>Fri, 10 Jan 2014 03:05:28 +0000</pubDate>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Industry & News]]></category>
		<category><![CDATA[bad sheep]]></category>
		<category><![CDATA[black sheep]]></category>
		<category><![CDATA[competence]]></category>
		<category><![CDATA[ethics]]></category>
		<category><![CDATA[my business model]]></category>
		<category><![CDATA[my family]]></category>
		<guid isPermaLink="false">http://sethwee.com/?p=4319</guid>

					<description><![CDATA[I&#8217;ve had a few friends who went through breakups with their significant others over the past year, and incidentally, two of them had boyfriends who are in the financial advisory industry. Coincidentally, both are from the same Licensed Financial Advisory (LFA) firm. While better than tied insurance agents because of their capacity to recommend a [&#8230;]]]></description>
		
					<wfw:commentRss>http://sethwee.com/2014/01/10/when-boyfriends-give-bad-financial-advice/feed/</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
			</item>
		<item>
		<title>Understanding CPF Insurance Schemes</title>
		<link>http://sethwee.com/2013/04/25/understanding-cpf-insurance-schemes/</link>
					<comments>http://sethwee.com/2013/04/25/understanding-cpf-insurance-schemes/#respond</comments>
		
		<dc:creator><![CDATA[Seth]]></dc:creator>
		<pubDate>Thu, 25 Apr 2013 08:37:42 +0000</pubDate>
				<category><![CDATA[CPF]]></category>
		<category><![CDATA[Events & Seminars]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Eldershield]]></category>
		<category><![CDATA[MediShield]]></category>
		<category><![CDATA[seminar]]></category>
		<guid isPermaLink="false">http://sethwee.com/?p=4257</guid>

					<description><![CDATA[I am speaking at a seminar next month regarding the various CPF insurance schemes available for CPF members. Are you confused by the various CPF insurance schemes that you invariably enrolled in if you contribute to CPF? Do you know what options you have for these schemes? How does one utilise his/her CPF to obtain [&#8230;]]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
			</item>
		<item>
		<title>Television Interview About Gold Buyback Schemes and Gold Investment</title>
		<link>http://sethwee.com/2013/04/10/television-interview-about-gold-buyback-schemes-and-gold-investment/</link>
					<comments>http://sethwee.com/2013/04/10/television-interview-about-gold-buyback-schemes-and-gold-investment/#respond</comments>
		
		<dc:creator><![CDATA[Seth]]></dc:creator>
		<pubDate>Wed, 10 Apr 2013 06:43:58 +0000</pubDate>
				<category><![CDATA[Daily]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[television]]></category>
		<guid isPermaLink="false">http://sethwee.com/?p=4227</guid>

					<description><![CDATA[I was recently asked to speak on a television programme catered for the elderly about the topic of dubious gold buyback schemes and a few proper ways of investing in gold. I have written briefly about gold buyback schemes before, and since then the fallout from many such companies absconding with their customers&#8217; money is [&#8230;]]]></description>
		
					<wfw:commentRss>http://sethwee.com/2013/04/10/television-interview-about-gold-buyback-schemes-and-gold-investment/feed/</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
			</item>
		<item>
		<title>Changes to Medishield from March 2013</title>
		<link>http://sethwee.com/2013/02/25/changes-to-medishield-from-march-2013/</link>
					<comments>http://sethwee.com/2013/02/25/changes-to-medishield-from-march-2013/#comments</comments>
		
		<dc:creator><![CDATA[Seth]]></dc:creator>
		<pubDate>Mon, 25 Feb 2013 10:02:43 +0000</pubDate>
				<category><![CDATA[CPF]]></category>
		<category><![CDATA[Hospitalisation]]></category>
		<category><![CDATA[Medisave]]></category>
		<category><![CDATA[MediShield]]></category>
		<guid isPermaLink="false">http://sethwee.com/?p=4172</guid>

					<description><![CDATA[Medishield is going to undergo several changes effective from March 2013. The most notable of these changes would probably be the increase in premium rates across the board for all age bands. People between their twenties and fifties will see an increase of about 100% in the annual premium for Medishield. A person in his [&#8230;]]]></description>
		
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			<slash:comments>2</slash:comments>
		
		
			</item>
		<item>
		<title>Topping Up CPF (and my TV Appearance)</title>
		<link>http://sethwee.com/2012/11/17/topping-up-cpf-and-my-tv-appearance/</link>
					<comments>http://sethwee.com/2012/11/17/topping-up-cpf-and-my-tv-appearance/#comments</comments>
		
		<dc:creator><![CDATA[Seth]]></dc:creator>
		<pubDate>Sat, 17 Nov 2012 04:59:29 +0000</pubDate>
				<category><![CDATA[CPF]]></category>
		<category><![CDATA[Daily]]></category>
		<category><![CDATA[television]]></category>
		<guid isPermaLink="false">http://sethwee.com/?p=4109</guid>

					<description><![CDATA[Singaporeans should be quite familiar with our Central Provident Fund (CPF) accounts. The Ordinary Account (OA) is mainly meant for housing and investment. The Special Account (SA) is primarily for old age and retirement-related investments. The Medisave Account (MA) is reserved for payment of medical bills and approved insurance schemes. At age 55, the savings [&#8230;]]]></description>
		
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			<slash:comments>2</slash:comments>
		
		
			</item>
		<item>
		<title>在新加坡如何防备医药费</title>
		<link>http://sethwee.com/2012/09/05/%e5%9c%a8%e6%96%b0%e5%8a%a0%e5%9d%a1%e5%a6%82%e4%bd%95%e9%98%b2%e5%a4%87%e5%8c%bb%e8%8d%af%e8%b4%b9/</link>
					<comments>http://sethwee.com/2012/09/05/%e5%9c%a8%e6%96%b0%e5%8a%a0%e5%9d%a1%e5%a6%82%e4%bd%95%e9%98%b2%e5%a4%87%e5%8c%bb%e8%8d%af%e8%b4%b9/#respond</comments>
		
		<dc:creator><![CDATA[Seth]]></dc:creator>
		<pubDate>Wed, 05 Sep 2012 01:14:04 +0000</pubDate>
				<category><![CDATA[Hospitalisation]]></category>
		<category><![CDATA[CPF]]></category>
		<category><![CDATA[IncomeShield]]></category>
		<category><![CDATA[Medisave]]></category>
		<category><![CDATA[MediShield]]></category>
		<category><![CDATA[MyShield]]></category>
		<guid isPermaLink="false">http://sethwee.com/?p=4014</guid>

					<description><![CDATA[I realised there is a dearth of personal finance articles for the Chinese-educated and hence I am writing a Mandarin article, hopefully brushing up my language at the same time. People with Chinese-educated parents can consider letting them read this: 新加坡的医药发达，但医药费往往昂贵，难以负担。在这里居住的人民，无论是公民还是从外国来公干的人士，应为自己的财务利益着想，谨慎防备医药费。 就业的新加坡公民每月缴交公积金 (CPF)，分为三个户口：普通户口 (Ordinary Account)、特别户口 (Special Account)、保健储蓄户口 (Medisave)。 保健储蓄户口有两大作用：其一，用来交付医疗费。其二，用来交付某些保险保单的保费。这两作用都受于中央公积金局 (CPF Board) 的限制 － 大概是政府担心国人太快把保健储蓄用完。 提升健保双全计划的重要性 [&#8230;]]]></description>
		
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