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Insurance offers a very attractive option of buying an insurance called Annuity that pay us a regular sum of money monthly/yearly from age 60 or 62 till our last day with our loved ones. You can invest a lump sum of money into annuity and the insurance company will compute the regular payout. And when unfortunate event happen to you, and the payout you received so far is less than the amount that you have invested in the annuity, the insurer will return the remaining amount with some interest to your beneficiary. However, if you outlive the amount invested, it is a blessing as you will be paid for life. Hence, by investing in annuity, we have no worry of not receiving consistent income for life. Moreover, some annuity declare bonus every year, hence your payout will increase each year to compensate for the inflation. So you get income increment even during your retirement years!

This annuity is really a necessary investment for everyone of us, whether you are single or married.

CPF board will automatically create a CPF Retirement account once we reach 55 years old. The minimum sum required to be set aside will be deposited into the CPF Retirement account. CPF will then start the payout from the official retirement age of 62. The payout ends once the full amount is withdrawn.

You may use CPF Retirement Fund to purchase the annuity. For those who cannot resist the attractive interest rate paid by CPF board, you may leave the money in CPF retirement fund to earn the guaranteed 4% interest. However, it is still prudent to use cash to buy a separate annuity policy so that you will still get some payout from the annuity when CPF stops the payment to you.

Supplementary Retirement Scheme (SRS) is a scheme to help the high-income earner to save tax by contributing any amount up to a maximum cap of $11,475 into the srs account. It also helps to build up your retirement fund. The amount contributed to srs will be deducted from your assessable income. This works out to be a savings about $1000 if you invest the maximum amount allowed. The capital gain for investing the srs sum is not taxable. You will be able to withdraw the srs money from age 62 onwards, the official retirement age when you open the srs account at any local Singapore bank. And only the 50% of the amount withdrawn are subjected to income tax if the assessable income is above $24k. So you can plan and spread out the withdrawal amount for the next 10 years to minimize the chargeable income tax.

Amount deposited into srs account can be used to invest anything such as share, unit trust, insurance policy and even fixed deposit. just dont leave the money in the srs account as it only gives the meager % of interest rate offers by the bank.

A faith-based weight loss program is making headline news. This diet isn't new as it's been around for over 15 years. The founder of Weigh Down is Gwen Shamblis. She started using the principles in this program in 1986 and has been thin ever since. The diet is called Weight Down diet. Participants can attend The Weight Down Workshops, use the online classes or request an At Home Kit. Live counselors are available to provide guidance. You can even start a chapter in your locale if Weigh Down isn't in your vicinity.

after visiting their website and reviewing a half-hour video, I'm sold. What's essentially different about this weight loss program overcountless of other diets is, having the root of the problem discovered. It deals with the heart. Counselors lovingly work with the heart and a genuine desire not to overeat.

There are no special foods to buy or restrictions. Thereare no calories, fat grams, sugars or carbs to count. No food scales or measuring cups are needed. Everyone in the household can eat the same things without special meal preparations. This is different however if other medical or health problems requires special meals for a family member. You eat until you get a cue [from your body] that you are full and no longer hunger.

Thousands have finally made the connection with their heart and abusive habits, whether overeating, using drugs or other addictive behaviours. This program bridges the gap between spirituality and health; there is a spiritual link between spiritual health and addictions. Weigh Down has been a powerful tool to show the link between them. By turning to God, you turn away from addictions and begin to live life in His honor.

The Christian principles followed in Weigh Down teach you to eat in moderation and only when your body is calling for food. Dieters find a new freedom to enjoy all their old favorites with no guilt, no cheating, and no restrictions -other than "God's perfect boundaries of hunger and fullness."

Gluttony is out! weight Down is in! The website offers many testimonials of successful lifestyle changes made by hundreds. The program emphasizes gender is of no consequence in following this program. Men and women alike have lost from 20 to hundreds of pounds over the years and have kept the pounds off for years.

A fad wouldn't last over 15 years, would it? This program is worth looking into if you're serious about making lifestyle changes from a faith-based perspective. What a wonderful combination: losing weight and gaining spiritually. Interested?

Call 888-829-7500 or visit their website.

2007 by Avis Ward

Avis E. Ward is a visonary called to unite the personal, spiritual and political through Love. She is an Ambassador of Love, Inspirational Speaker, Certified Seminar Leader and Action Coach. Avis is also an Orthodontic management Consultant. Avis invites you to view her blog and participate in her forum. http://aviswardconsulting.com/ or Avis Ward