Peter The Planner

He Helps You Plan For Your Family’s Future

Why you should avoid saving plan first?

Recently i have been doing a couple of prospecting session together with my agents and again i met alot of people having the same problem. What is the problem then?

Yes, the problem was that most of them are having a regular endowment saving plan from insurance company as their first policy! Some of them even took up a saving plan that amounts to 20% of what they take home. Personally i find it being too ridiculous to pay so many for a saving plan when the person has not even taken up any life insurance!

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Specialized Training!

Tomorrow morning i will be giving my very own training to MRO people. This specialised training is only exclusive to MRO consultants and candidates. I will be personally be sharing alot of my strength which lies in dealing with warm market and also how i remain at peak performance during last 3 years.

It will be a very interesting and insightful session as i have incorporated a lot of ideas to make this training a success! Maybe i will share abit over this blog in the future.

Stay tuned! =)

Salary of Public Civil Servant

As a Singapore public civil servant, you will be paid at market rate which is comparable with that of the private sector for an employee with similar abilities and responsibilities. This is necessary for the Civil Service to attract and retain an appropriate share of the national talent so that Singapore can become one of the best public services in the world.

Apart from the 12 months’ salary paid in a year, the Civil Service’s annual salary package also includes the following components:
- Performance Bonus (PB)
- Non-Pensionable Annual Allowance (NPAA)
- Annual Variable Component (AVC)
- Special Bonus (SB)

Starting salary will be as follows:

Management Executive Scheme University Degree Up to $2,400 to $2,850
Management Support Scheme Polytechnic Diploma Up to $1,730
Technical Support Scheme Polytechnic Diploma Up to $1,850
GCE ‘A’ Level $1,271
GCE ‘O’ Level $1,113
Corporate Support Scheme GCE ‘A’ Level $1,176 - $1,218
GCE ‘O’ Level $1,092 - $1,134
GCE ‘N’ Level $1,008
Operation Support Scheme Passed Secondary 2 $885
Completed Primary School Education $818
From the salary above, apparently if you are lowly educated and would like to earn more money, i guess there are only sales job out there for you to make a living. Other than that, setting up own business will be the next best alternative =) However this option comes with opportunity cost and considered quite high risk. To do your own business, you need to be hardworking, passionate about the business, patient,  risk taker, plan ahead and systematic person. Most importantly, you need capital! If however you are lacking in any of these areas, you can find a business partner who is able to complement you. This way is what people called: Leverage.

If there is anyone who have a good business plan and are looking for partners, do drop me an email and i will help you to promote over there. Can increase your chance of finding the right partners =)

What’s The Job Of Financial Planner?

As Financial Planners, we assist our clients in developing their own Financial Planning. Many people have no idea how to go about doing financial planning. Some clients demanded more complicating stuffs from us and we do our best in sharing our knowledge with them.

 One thing to note is that:
* Financial Planning is not Rocket Science that comes with complicating formulas. We are not Financial Scientist.
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How much do you love yourself?

As i am sitting down having my quiet time at one of the most popular shopping malls in the east side, i can’t help but to wonder are Singaporeans happy with themselves?

The looks on everyone’s face tell me that they are stressed, tired, moody, upset, angry & bored etc. If you don’t believe, next time when you sit around at coffee bean and spend 5 minutes looking at their faces. It can be quite interesting. Well of course there are people who look happy but they are the minority.

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Is Sales The Right Kind Of Job For Me?

Many fresh graduates often have this question in mind: ” Should i go into a sales job?” The answers often will be: “i don’t have sales experience and it is too shameful to beg people to buy from you something’

Well i had to admit that i used to have such thinking before but thank god that i am someone who will go ahead to do what i think it is correct without thinking much about the consequences. My philosophy in life is the same as Nike: “Just do it” Well i wouldn’t that such thinking is good because there are many things in life that have to go through the thinking system before proceeding before it leads to a disasterous results. Eg: following people to do illegal earnings such as collecting soccer bets or even worse taking drugs.

But in life, there are many situations that requires us to take action immediately and don’t bother so much about other things. Eg: Today there is a super good offer of 50% off regular price and it lasts for only one day. So happen that this thing is something that is good to have but not a MUST. The question is:  ” Will you buy or you will think again”

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