Making decisions on property is not trivial, as they often have effects on our quality of life in ways that are not just material but also financial and emotional. Regardless of our experience levels in making decisions on our properties and homes, it helps to have an appreciation of what resources are involved, and how we can be resourceful about them. I hope you find the materials in this issue useful.
New HDB policy: Standard, Plus and Prime – how does it affect you?
Housing and Development Board (HDB) will change how it classifies Build-to-Order (BTO) projects, starting in the second half of 2024. The policy changes intend to ensure that HDB policies continue to remain relevant in Singapore's current social and economic construct.
This article provides a comprehensive guide to the costs of buying a home in Singapore, including down payment, stamp duty, legal fees, and renovation costs.
I seek to reach out to people who believe in safeguarding the interests of their loved ones. Let me know if I can be of help to someone you know or care about. We can make a difference to lives when it matters most. Cheers.
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DISCLAIMER
The opinions expressed in these articles are the author's own and is not a reflection of my personal and/or the company and/or my agency's opinions.
Gary is a professional and knowledgeable Financial Consultant. I asked him a lot of questions on the policies or insurance terms, and he answered all my enquiries with great patience. To be honest, I learnt a lot about insurance products from him. Due to this, I felt secured when I purchased all my policies from him. I would definitely recommend him to all my friends that needed financial advices!
Isabelle, Student
Although I've only known Gary for a short time, he is a meticulous and organized advisor. His comprehensive yet simplified explanations of insurance policies makes them less intimidating and more understandable for young buyers like myself. I would definitely recommend him to friends who are new to insurance and financial planning!
Vicky, Analysts
Absolutely delighted with Gary's services! He is helpful and gives professional advices and guidance depending on what suits us the best! He is a real pleasure to deal with!
Doreen, Civil Servant (admin) & Edwin, Engineer
Efficient, attentive and very helpful in any situation. You give us great customer service even though we have one small policy with you. Thank you Gary!
Sobri, Teacher
Gary has been great at explaining everything clearly and in a way that’s easy to follow, which is helpful since I sometimes lose track of the details in my portfolio. It’s reassuring to know he’ll be there if anything goes wrong, especially when it comes to handling claims. My meet-ups with him feel more relaxed and more personal than with other advisors—I enjoy working with him!
Kai Wen, Engineer
Gary is a really sincere guy. He and his team came to our company to give financial literacy talk more than a month ago. It was super informative and really helpful in terms of looking at the risks and also giving us latest trends in insurance coverage. Few weeks later he came back to meet me to answer some questions about investment risks and insurance coverage that I had. He did not to try to sell me financial products but instead was trying his best to educate me about my risks and how I could reduce risk and grow my wealth in order to have a safe financial standing for retirement. He is also quick answering questions and following up via WhatsApp/ text and email. I really appreciate his work ethic and professionalism. Thank you Gary. ☺️🙏
