๐๐๐ฑ ๐๐๐ฅ๐ข๐๐ : ๐ ๐๐ฅ๐ญ๐ข๐ฆ๐๐ญ๐ ๐๐ญ๐๐ฉ๐ฌ ๐๐จ ๐๐๐ฒ๐ข๐ง๐ ๐๐๐ฌ๐ฌ ๐๐๐โฃโฃโฃโฃ
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Perhaps you are wondering, "how do I pay my tax as low as possible and how can I make my paycheck as heavy as a haversack ?" โฃโฃโฃโฃโฃ
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Well here's 5 ULTIMATE STEPS to paying less tax and saving more money.โฃโฃโฃโฃโฃ
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1) Claim All Applicable Personal Tax Reliefโฃโฃโฃโฃโฃ
2) Contribute to Supplementary Retirement Scheme (SRS)โฃโฃโฃโฃโฃ
3) Voluntarily Top Up Your CPF โฃโฃโฃโฃโฃ
4) Donate TO A Tax-Deductible Charityโฃโฃโฃโฃโฃ
5) Claim All Business Expensesโฃโฃโฃโฃโฃ
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๐๐๐ฏ๐ ๐๐จ๐ฎ ๐๐จ๐ซ๐ญ๐๐ ๐๐ฎ๐ญ ๐๐จ๐ฎ๐ซ ๐๐๐ฑ ๐๐ฑ๐ฉ๐๐ง๐ฌ๐๐ฌ?โฃโฃโฃโฃโฃ
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Much Love,โฃโฃโฃโฃโฃโฃโฃโฃโฃโฃโฃโฃ
Izzaโฃโฃโฃโฃโฃโฃโฃโฃโฃโฃโฃโฃ
Your Lifestyle Financial Strategist [ ๐๐ gitu ]โฃโฃโฃโฃโฃโฃ
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Fb Page: https://www.facebook.com/IzzaFaziraLFSโฃโฃโฃโฃโฃ
Izza F
SP-MNM-MFAGroup is an authorised representative of AIA Singapore Private Limited (Reg. No. 201106386
๐ช๐ก๐ฒ ๐๐ก๐จ๐ฎ๐ฅ๐ ๐ ๐๐ข๐ฏ๐ ๐๐ก๐๐ซ๐ข๐ญ๐ฒ ๐๐ง๐ ๐๐จ๐ฐ ๐๐ญ ๐๐๐ง ๐๐ฆ๐ฉ๐๐๐ญ ๐๐จ๐ฎ๐ซ ๐๐ข๐๐โฃ
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How will you be remembered as a charitable person.โฃ
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๐๐๐ข๐ง๐ ๐๐ก๐๐ซ๐ข๐ญ๐๐๐ฅ๐ ๐๐ฌ ๐๐จ๐๐ฅ๐.โฃ
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-Donating charity can be deeply rewarding! -It also extends love and kindness to others unconditionally.โฃ
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๐๐จ๐ฐ ๐
๐๐ซ ๐ช๐จ๐ฎ๐ฅ๐ ๐๐จ๐ฎ ๐๐จ ๐๐จ ๐๐๐ฅ๐ฉ ๐๐จ๐ฆ๐๐จ๐ง๐?โฃ
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-Society always emphasize on helping unconditionally when they least expect it!โฃ
-But random act of kindness can change a person's life in many instance.โฃ
-Personally I'd help if i can help. If I can't help myself than how can I help others. โฃ
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๐๐ก๐๐ซ๐ ๐๐ซ๐ ๐๐๐ง๐ฒ ๐ช๐๐ฒ๐ฌ ๐๐จ ๐๐จ ๐๐ก๐๐ซ๐ข๐ญ๐ฒ.โฃ
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"Give a man a fish and you'd feed him for a day.Teach a man to fish and you feed him for a lifetime."โฃ
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-Volunteer in a non profit organizationโฃ
-Donating your blood โฃ
-Educating the society โฃ
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Would a coffee session on me be a charitable time for you to understand more on how to be financially savvy?โฃ
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Much Love,โฃโฃโฃโฃโฃโฃโฃโฃ
Izzaโฃโฃโฃโฃโฃโฃโฃโฃ
Your Lifestyle Financial Strategist [ ๐๐ gitu ]โฃโฃ
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Fb Page: https://www.facebook.com/IzzaFaziraLFSโฃ
Instagram: https://instagram.com/ellefizโฃโฃโฃโฃโฃ
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๐ ๐๐ก๐ข๐ง๐ ๐๐จ ๐๐ซ๐๐ฉ๐๐ซ๐ ๐๐๐๐จ๐ซ๐ ๐๐๐๐ญ๐ข๐ง๐ ๐ ๐
๐ข๐ง๐๐ง๐๐ข๐๐ฅ ๐๐ฅ๐๐ง๐ง๐๐ซโฃ
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If you are preparing for your first meeting with a financial planner congratulations! That is a big step!โฃ
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I am pretty sure you have questions like,โฃ
"what should I know before speaking to a advisor or planner?"โฃ
"what should I bring"?โฃ
"what kind of questions will they ask me?"โฃ
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๐๐ก๐ ๐ ๐๐ก๐ข๐ง๐ ๐ฌ ๐๐ซ๐โฃ
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๐๐จ๐ฎ๐ซ ๐
๐ข๐ง๐๐ง๐๐ข๐๐ฅ ๐๐ง๐๐ฉ๐ฌ๐ก๐จ๐ญโฃ
Firstly, we will discuss on the current assets you have such as your savings.โฃ
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Next, it is important to review any debt that you may be carrying which includes student loan,car loans and perhaps a mortgage.Next up,โฃ
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๐๐จ๐ฎ๐ซ ๐๐๐ฌ๐ก-๐๐ฅ๐จ๐ฐ ๐๐ง๐๐ฅ๐ฒ๐ฌ๐ข๐ฌ โฃ
As cash-flow analysis is the backbone of any financial progress, we will be discussing on your expenses so we can cut back on your spending.Next is,โฃ
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๐๐๐ญ๐ญ๐ข๐ง๐ ๐๐จ๐๐ฅ๐ฌโฃ
"What are your goals?"โฃ
"What are you hoping to achieve?"โฃ
"What's most important to you?"โฃ
"Are you hoping to buy a house next year?"โฃ
"Are you trying to pay off your debts?"โฃ
BY prioritizing your goals, your planner can help put a plan in place that is intended to help you get there.โฃ
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You will allocate your savings from various investments and your planner will review how each investment may match up with specific goal and why.โฃ
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๐ช๐ซ๐ข๐ญ๐ญ๐๐ง ๐๐ฅ๐๐งโฃ
You'll have an idea of where you are financially are, where you want to go,and how you're planning on getting there.โฃ
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"Planning is bringing the future into the present. So that you can do something about it ๐ง๐จ๐ฐ. - Alan Lakein"โฃ
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Are You Ready To Have Your First Meeting With Me As Your Financial Planner?โฃ
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Much Love,โฃโฃโฃโฃโฃโฃ
Izzaโฃโฃโฃโฃโฃโฃ
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Fb Page: https://www.facebook.com/IzzaFaziraLFS
๐๐จ๐ซ๐ซ๐จ๐ฐ๐ข๐ง๐ ๐ฆ๐จ๐ง๐๐ฒ ๐๐ซ๐จ๐ฆ ๐๐๐ฆ๐ข๐ฅ๐ฒ ๐๐ง๐ ๐จ๐ซ ๐๐ซ๐ข๐๐ง๐๐ฌ..โฃโฃ
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It is especially risky because it puts you in an awkward situation and can easily taint a perfectly good relationship.โฃโฃ
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For example, being in debt to your mother or best friend can lead to feelings of guilt and associated problems when you realize you canโt pay back your debt on time or at all.โฃโฃ
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If you care about your relationships, you will try to avoid borrowing money completely. โฃโฃ
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Even if you are able to pay back the money you owe in full and on time, it still can change the nature of your relationship forever. โฃโฃ
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Asking for money from someone you care about is often the surest refuge out of a difficult financial fix. โฃโฃ
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If you must borrow money from family or friends, do it as the very last resort and only for temporary financial shortfalls.โฃโฃ
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Be honest about your financial situation.โฃโฃ
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๐๐ฌ ๐ญ๐ก๐ ๐๐๐ง๐๐๐ซ, ๐ฅ๐๐ง๐ ๐๐ฎ๐ฌ๐ญ ๐ช๐ก๐๐ญ ๐๐จ๐ฎ ๐๐๐ง ๐๐๐๐จ๐ซ๐ ๐ญ๐จ ๐๐จ๐ฌ๐.โฃโฃ
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Your friend or family member may check all the boxes for being trustworthy,financially stable and reliable, but things can happen that prevent them from paying you back as originally planned.โฃโฃ
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Be prepared for the worst by giving only an amount that, if never returned, wouldnโt jeopardize your own savings goals, bill-paying ability, or other relationships.โฃโฃ
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Create a Firm Repayment Timeline. It might seem too businesslike but set specific terms for the loan that everybody can agree to.โฃโฃ
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Always Put the Loan in Writing...Memories fade, priorities get shifted and clashing opinions over what you originally agreed to can cause problems between friends or familyโฆโฃโฃ
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๐๐จ๐ฐ ๐๐จ ๐ฒ๐จ๐ฎ ๐๐๐ฅ๐๐ง๐๐ ๐๐๐ญ๐ฐ๐๐๐ง ๐ง๐จ๐ญ ๐๐ฎ๐ซ๐ง๐ข๐ง๐ ๐ญ๐ก๐ ๐ซ๐๐ฅ๐๐ญ๐ข๐จ๐ง๐ฌ๐ก๐ข๐ฉ๐ฌ ๐ญ๐จ ๐ญ๐ก๐ ๐ ๐ซ๐จ๐ฎ๐ง๐ ๐๐ง๐ ๐ฃ๐ฎ๐ฌ๐ญ ๐๐๐ข๐ง๐ ๐ ๐ ๐จ๐จ๐ ๐ฅ๐๐ง๐๐๐ซ? โฃโฃโฃ
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Much Love,โฃโฃโฃโฃโฃโฃโฃ
Izzaโฃโฃโฃโฃโฃโฃโฃ
Your Lifestyle Financial Strategist [ ๐๐ gitu ]โฃ
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Fb Page: https://www.facebook.com/IzzaFaziraLFS
Instagram: https://instagram.com/ellefizโฃโฃโฃโฃ
๐๐๐๐๐๐๐๐๐ ๐
๐๐๐?! ๐ช๐๐๐ ๐๐๐ ๐๐๐๐??โฃ
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A lot of advisors have been talking about emergency fund. โฃ
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But, have they list what are the emergency funds that you can apply on your daily life. โฃ
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In this video Syauqi and I are going to share with you a little scenario on how you can see emergency funds to work for you. โฃ
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And what are the things you need to do when it happens to you. โฃ
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Share in the comment section below, if you have dealt with any accident in terms of taking out money from your emergency funds โฃ
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How do you overcome it? โฃ
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Much Love,โฃโฃโฃโฃโฃ
Izzaโฃโฃโฃโฃโฃ
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Fb Page: https://www.facebook.com/IzzaFaziraLFS
Instagram: https://instagram.com/ellefiz
๐ ๐๐๐๐ฌ๐จ๐ง๐ฌ ๐ช๐ก๐ฒ ๐ช๐จ๐ฆ๐๐ง ๐๐ก๐จ๐ฎ๐ฅ๐ ๐๐๐ค๐ ๐๐ก๐๐ซ๐ ๐ ๐๐ ๐๐ก๐๐ข๐ซ ๐
๐ข๐ง๐๐ง๐๐ข๐๐ฅ๐ฌโฃ
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In today's generation women are getting empowered through literacy and employment.โฃ
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Swipe right to see the 3 reasonsโฃ
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๐๐๐๐ฌ๐จ๐ง ๐ : The Inflation Rate And The Cost of Livingโฃ
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๐๐๐๐ฌ๐จ๐ง ๐ : Household Expenditureโฃ
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๐๐๐๐ฌ๐จ๐ง ๐ : Emergency Fundsโฃ
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"Women with money and women in power are two uncomfortable ideas in our society." Candace Bushnellโฃ
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So are you ready to take charge of your financials?โฃ
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Don't be shy to drop me a pm kay!โฃโฃ
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Much Love,โฃโฃ
Izzaโฃโฃ
Your Lifestyle Financial Strategistโฃ [ ๐ ]
๐๐๐๐๐ ๐๐๐๐ ๐ ๐๐๐๐๐๐๐๐๐ ๐๐๐๐๐๐๐๐โฃ
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What are the factors that you need to be aware to prevent yourself from this 4 insurance mistakes!โฃ
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Mistake #๐ : โฃ
Not Covering The Essentials - So what are the mandatory plans you should consider ?โฃ
1) Hospital Insuranceโฃ
2) Personal Accident Plansโฃ
3)Life Insuranceโฃ
4)Critical Illness Plans โฃ
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Mistake #๐ :โฃ
Taking A Leap Into Investing - Unlike the popular idea of buying an endowment , savings plan or an investment linked policy, it isn't the only way to invest nor should be the first product you should buy through an insurer.โฃ
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Mistake #๐: Getting the right amount of coverage insurance is like an umbrella - The ideal umbrella you should seek in life is portable, easy to carry around and keep you dry!โฃ
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Mistake #๐ - Do not wait too long to get yourself covered. - Lock in you insurance WITH ME when you are still young, healthy and develop any major health ailments yet.โฃ
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Have you made this mistakes?
comment down in the comment section below!
Much Love,โฃโฃ
Izzaโฃโฃ
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Fb Page: https://www.facebook.com/IzzaFaziraLFSโฃ
๐๐จ๐ง๐ญ๐ข๐ง๐ฎ๐๐ญ๐ข๐จ๐ง ๐๐ ๐๐๐ ๐๐๐๐ญ ๐ฏ๐ฌ ๐๐จ๐จ๐ ๐๐๐๐ญ โฃโฃโฃ
๐ช๐ก๐๐ญโ๐ฌ ๐ญ๐ก๐ ๐๐ข๐๐๐๐ซ๐๐ง๐๐?โฃโฃโฃ
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๐๐ฑ๐๐ฆ๐ฉ๐ฅ๐ ๐๐ ๐๐จ๐จ๐ ๐๐๐๐ญ๐ฌโฃโฃ
โฃ- ๐๐ญ๐ฎ๐๐๐ง๐ญ ๐๐จ๐๐ง๐ฌ โฃโฃ
- ๐๐จ๐ซ๐ญ๐ ๐๐ ๐๐ฌ ๐๐จ๐๐ง๐ฌ โฃโฃ
- ๐๐ฎ๐ฌ๐ข๐ง๐๐ฌ๐ฌ ๐๐จ๐๐ง๐ฌโฃโฃ
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Good debt is a loan that has the potential to increase your net worth.โฃโฃโฃ
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๐๐ฑ๐๐ฆ๐ฉ๐ฅ๐ ๐๐ ๐๐๐ ๐๐๐๐ญ๐ฌโฃโฃ
-๐๐ฎ๐ฑ๐ฎ๐ซ๐ฒ ๐๐๐๐๐ฌ๐ฌ๐จ๐ซ๐ข๐๐ฌโฃโฃ
-๐๐ซ๐๐๐ข๐ญ ๐๐๐ซ๐โฃโฃ
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Bad debt involves borrowing money to purchase depreciating assets.โฃโฃโฃ
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Determining whether or not a debt is good or bad sometimes depends on an individual's financial situation, as well as other factors.โฃโฃโฃ
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Much love,โฃโฃ
Izzaโฃ
Your Lifestyle Financial Strategist
Feel the fear do it anywayโฃ
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Much love , Izzaโฃ
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Feel the fear do it anywayโฃ
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Much love , Izzaโฃ
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Two things you just can't get off your mind.. Your future returns and the what to do now.
Much Love,โฃ
Izzaโฃ
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