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	<title>Ryan Koh Blog</title>
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	<link>http://ryankoh.sg</link>
	<description>Journey of an Entrepreneur</description>
	<lastBuildDate>Fri, 30 Jul 2010 09:34:20 +0000</lastBuildDate>
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		<title>Should I buy mortgage insurance?</title>
		<link>http://ryankoh.sg/2010/07/should-i-buy-mortgage-insurance/</link>
		<comments>http://ryankoh.sg/2010/07/should-i-buy-mortgage-insurance/#comments</comments>
		<pubDate>Mon, 26 Jul 2010 06:31:22 +0000</pubDate>
		<dc:creator>Ryan Koh</dc:creator>
				<category><![CDATA[Mortgage Insurance]]></category>
		<category><![CDATA[mortgage insurance]]></category>
		<category><![CDATA[private property]]></category>
		<category><![CDATA[singapore property]]></category>

		<guid isPermaLink="false">http://ryankoh.sg/?p=546</guid>
		<description><![CDATA[According to The Sunday Times, dated July 18 2010, about 70% of Singapore private property owners do not buy mortgage insurance! Let me share with you why mortgage insurance is important if you own a private property. In the event of death To many Singaporeans, their property is easily their family biggest expense item. This [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>What kind of insurance should you get for your baby?</title>
		<link>http://ryankoh.sg/2010/07/what-kind-of-insurance-should-you-get-for-your-baby/</link>
		<comments>http://ryankoh.sg/2010/07/what-kind-of-insurance-should-you-get-for-your-baby/#comments</comments>
		<pubDate>Thu, 22 Jul 2010 18:57:29 +0000</pubDate>
		<dc:creator>Ryan Koh</dc:creator>
				<category><![CDATA[Baby Insurance]]></category>
		<category><![CDATA[Education Insurance]]></category>
		<category><![CDATA[Hospitalization Insurance]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[baby education planning]]></category>
		<category><![CDATA[baby hospitalization planning]]></category>
		<category><![CDATA[baby life insurance]]></category>

		<guid isPermaLink="false">http://ryankoh.sg/?p=543</guid>
		<description><![CDATA[At the age of 31, many of my friends are entering parenthood. And that includes me! I’ve been meeting up with my friends discussing what kind of financial planning they should do for their baby. From my point of view, insurance planning for babies should be done in the following priority: Hospitalization insurance Whole life insurance [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>$42,621.19 – This is how much I earned part timing in 2004 while schooling in NUS.</title>
		<link>http://ryankoh.sg/2010/07/42621-19-%e2%80%93-this-is-how-much-i-earned-part-timing-in-2004-while-schooling-in-nus/</link>
		<comments>http://ryankoh.sg/2010/07/42621-19-%e2%80%93-this-is-how-much-i-earned-part-timing-in-2004-while-schooling-in-nus/#comments</comments>
		<pubDate>Mon, 19 Jul 2010 04:42:21 +0000</pubDate>
		<dc:creator>Ryan Koh</dc:creator>
				<category><![CDATA[Insurance Jobs]]></category>
		<category><![CDATA[Life Style & Holidays]]></category>
		<category><![CDATA[Ryan Koh & Associates]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[part time career]]></category>

		<guid isPermaLink="false">http://ryankoh.sg/?p=533</guid>
		<description><![CDATA[Back from my Barcelona incentive trip and decided to do some packing at home. Came across a file where I kept all my income slips for the past few years and make a pleasant discovery. I first joined the business in late 2003 while I was in NUS year 3. Only 5 months plus to [...]]]></description>
		<wfw:commentRss>http://ryankoh.sg/2010/07/42621-19-%e2%80%93-this-is-how-much-i-earned-part-timing-in-2004-while-schooling-in-nus/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>What is Deductible and Co-Insurance</title>
		<link>http://ryankoh.sg/2010/07/what-is-deductible-and-co-insurance/</link>
		<comments>http://ryankoh.sg/2010/07/what-is-deductible-and-co-insurance/#comments</comments>
		<pubDate>Sun, 18 Jul 2010 16:17:44 +0000</pubDate>
		<dc:creator>Ryan Koh</dc:creator>
				<category><![CDATA[Financial Knowledge]]></category>
		<category><![CDATA[Hospitalization Insurance]]></category>
		<category><![CDATA[co-insurance]]></category>
		<category><![CDATA[deductible]]></category>
		<category><![CDATA[hospitalization]]></category>

		<guid isPermaLink="false">http://ryankoh.sg/?p=528</guid>
		<description><![CDATA[Deductible and Co-insurance are terms normally found in hospitalization insurance programs. These are important concepts to understand in order to prevent misunderstandings during claims. Deductible If you look at your insurance quotation, you are likely to realise that there are different deductible amount for different hospital wards. For example, Ward A will generally attract a [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Are you able to achieve financial freedom?</title>
		<link>http://ryankoh.sg/2010/07/are-you-able-to-achieve-financial-freedom/</link>
		<comments>http://ryankoh.sg/2010/07/are-you-able-to-achieve-financial-freedom/#comments</comments>
		<pubDate>Sun, 18 Jul 2010 16:00:00 +0000</pubDate>
		<dc:creator>Ryan Koh</dc:creator>
				<category><![CDATA[My Thoughts]]></category>
		<category><![CDATA[cash flow]]></category>
		<category><![CDATA[Financial Freedom]]></category>

		<guid isPermaLink="false">http://ryankoh.sg/?p=526</guid>
		<description><![CDATA[While I was doing financial planning for my clients, a lot of them mentioned that they want to achieve financial freedom early and retire young. I guess that is one of the common goals for working adults in Singaporean yea? Is it really possible? Let’s analyse. The best way to look into this is to [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Money not enough</title>
		<link>http://ryankoh.sg/2010/06/money-not-enoug/</link>
		<comments>http://ryankoh.sg/2010/06/money-not-enoug/#comments</comments>
		<pubDate>Thu, 10 Jun 2010 09:13:42 +0000</pubDate>
		<dc:creator>Ryan Koh</dc:creator>
				<category><![CDATA[My Thoughts]]></category>
		<category><![CDATA[expense]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://ryankoh.sg/?p=507</guid>
		<description><![CDATA[Recently one of my clients and also a personal friend called me up and wanted to meet to talk about her existing policies. Her intention was actually to reduce her premium to the minimum. I met her subsequently over tea to talk about the matter. “Ryan, I feel very broke!” she exclaimed this statement at [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Another remarkable FC &#8211; Alex Li</title>
		<link>http://ryankoh.sg/2010/05/alex-li/</link>
		<comments>http://ryankoh.sg/2010/05/alex-li/#comments</comments>
		<pubDate>Wed, 12 May 2010 09:04:24 +0000</pubDate>
		<dc:creator>Ryan Koh</dc:creator>
				<category><![CDATA[Ryan Koh & Associates]]></category>

		<guid isPermaLink="false">http://ryankoh.sg/?p=501</guid>
		<description><![CDATA[Well done Alex! You have once again proved yourself as an outstanding Senior Financial Consultant. See you at the TOP!]]></description>
		<wfw:commentRss>http://ryankoh.sg/2010/05/alex-li/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Top Financial Consultant in the making</title>
		<link>http://ryankoh.sg/2010/05/pak-yan-zhen/</link>
		<comments>http://ryankoh.sg/2010/05/pak-yan-zhen/#comments</comments>
		<pubDate>Wed, 12 May 2010 08:14:24 +0000</pubDate>
		<dc:creator>Ryan Koh</dc:creator>
				<category><![CDATA[Ryan Koh & Associates]]></category>
		<category><![CDATA[pak yan zhen]]></category>

		<guid isPermaLink="false">http://ryankoh.sg/?p=495</guid>
		<description><![CDATA[I am extremely happy and proud to have received a letter from Prudential today complimenting one of my Financial Consultant&#8217;s, Pak Yan Zhen, outstanding performance in April 2010. Especially the last sentence, &#8220;Don&#8217;t be afraid to be amazing. You are!&#8221; is truly inspiring. I believe my entire team can be truly AMAZING and as a [...]]]></description>
		<wfw:commentRss>http://ryankoh.sg/2010/05/pak-yan-zhen/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Barcelona Incentive Trip!</title>
		<link>http://ryankoh.sg/2010/05/barcelona-incentive-trip/</link>
		<comments>http://ryankoh.sg/2010/05/barcelona-incentive-trip/#comments</comments>
		<pubDate>Wed, 05 May 2010 07:52:08 +0000</pubDate>
		<dc:creator>Ryan Koh</dc:creator>
				<category><![CDATA[Life Style & Holidays]]></category>
		<category><![CDATA[Barcelona]]></category>
		<category><![CDATA[Prudential]]></category>
		<category><![CDATA[StarClub]]></category>

		<guid isPermaLink="false">http://ryankoh.sg/?p=491</guid>
		<description><![CDATA[Just confirmed my travel dates for Barcelona incentive trip! Will be travelling from the 6th &#8211; 11th July. After that, I will be extending my stay to London! My London stay will be from 11th till 15th. Barcelona is fully planned by company and I do not have to worry about the itinerary. As for London, [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is it a good time to raise CPF contribution rate by 1%?</title>
		<link>http://ryankoh.sg/2010/05/cpf-contribution-rate/</link>
		<comments>http://ryankoh.sg/2010/05/cpf-contribution-rate/#comments</comments>
		<pubDate>Sat, 01 May 2010 08:05:16 +0000</pubDate>
		<dc:creator>Ryan Koh</dc:creator>
				<category><![CDATA[Financial News]]></category>
		<category><![CDATA[CPF]]></category>
		<category><![CDATA[CPF contribution]]></category>

		<guid isPermaLink="false">http://ryankoh.sg/?p=436</guid>
		<description><![CDATA[As announced by our Prime Minister Lee Hsien Loong at the May Day Rally, employee CPF contribution will be increased by 1% from the current 14.5% to 15.5%. This increment will be done in 2 phases: On 1st September 2010, the first 0.5% increment will be paid into employee’s MediSave. The remaining 0.5% will be [...]]]></description>
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		<slash:comments>0</slash:comments>
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