We are a group of freelance photographers managed by professional agency.
Our prices are very affordable if not the cheapest in town.
Our services include pre-wedding studio + outdoor photography, ROM photography, Actual day journalistic wedding photography and so on.
We are currently looking for couples who want to engage Actual day wedding photographer for just S$100 (limited to 10 couples only)
I am still thinking of the places to go for my Outdoor PS. I like sea and sky. I also like old buildings and also flowers ....
Here are some places which I tot of. Any comments?
1) Botanic Gardens/Japanese Garden
2) Changi Beach (any nice beach to recommend)
3) Shophouses at Chinatown (old style)
4) Reservoir
some of following locations u may consider:
1) botanic garden - got waterfall, pond, green field.....
2) Sentosa - orchid garden got a very nice chapel, famous hai zi shui, beach, old house...
3) Marina city park - green field, pond...
4) Changi - lalang field, beach.....
5) Kent Ridge park
6) temples at pickering street & cicil street
7) Peranakan Place at Somerset
8) Sportiswood park - shophouses
9) Railway station
10) Labrador park - sunset
11) SAM
Japanese garden nothing much to take, don waste money go there take. My fren told me the photo turn out not really impressive. He told me must choose colorful background den the photo will turn out nice.
Friday, May 4, 2007
Financial Planning for Newly Weds
As newlyweds, priorities and lifestyle changes. Any advice on what type of insurance coverage is necessary? What is the estimated monthly premium on such coverage? as u know.. many newly weds are also on shoe string budget.
I can truly understand what’s going through your mind now. When we are individuals, there are really not so much of responsibilities. However, things change when we become couple. Suddenly, we have to be more cautious, we tend to think and plan more because you are “formally” in charge of your own destiny now. This is especially so when there is a shoe string budget!
For a start, I believe communication between couple is very important. For example: You got to decide what kind of lifestyle you want to lead? That includes your type of dwelling, eating habits, how you want to spend your free time etc. Also ask yourself some of these important questions about your future such as:
-What are your priorities in life?
-Does your job gives security or prospect?
-Do you think you are adequately covered in terms of insurance?
-How many children you wish to have?
In short, list down what are important to the both of you. Do respect each other’s thoughts when both of you are in discussion. (Plus pt: This is a good starting point for couples to know each other even better!)
Then decide, what is comfortable budget for the couple. It is always difficult to advise on premiums and coverage because the couple is the one who valuate their life and not the advisor. The advisor is there to facilitate in the decision-making process, clear doubts and to present solutions to the couple’s needs.
To conclude, have a good and serious talk with your spouse, decide what both want, then seek professionals for solutions to cater to your needs. We can always discuss further after the couple has decided on what they intend to have in the future.
I hope that I have given some directions on head start to a better future.
Here are some important insurance to consider:
1) Life protection
A Life Insurance covering each other's life with each other as beneficiary.
2) Saving plan
Its good to start a saving policy in term of investment to ensure adequate funds for retirement and emergencies. You will be surprise on the amount of $ needed for retirement even if you decide to retire at 60. So it is recommended for the couple to talk to their Financial Advisor as soon as they settle down after their wedding.
3) Property
Property insurance to protect your most expensive spending. Many find this not necessary but to think about it; can we easily fork out another S$50K for reno again if anything would to happen to our property?
4) UnForeseen Circumstances:
Accident Policy
Lastly,
5) Hospital and Surgical coverage
With the rising medical fees in Singapore, this policy will help to lighten the 'bill load' if the person would to be hospitalised.
I can truly understand what’s going through your mind now. When we are individuals, there are really not so much of responsibilities. However, things change when we become couple. Suddenly, we have to be more cautious, we tend to think and plan more because you are “formally” in charge of your own destiny now. This is especially so when there is a shoe string budget!
For a start, I believe communication between couple is very important. For example: You got to decide what kind of lifestyle you want to lead? That includes your type of dwelling, eating habits, how you want to spend your free time etc. Also ask yourself some of these important questions about your future such as:
-What are your priorities in life?
-Does your job gives security or prospect?
-Do you think you are adequately covered in terms of insurance?
-How many children you wish to have?
In short, list down what are important to the both of you. Do respect each other’s thoughts when both of you are in discussion. (Plus pt: This is a good starting point for couples to know each other even better!)
Then decide, what is comfortable budget for the couple. It is always difficult to advise on premiums and coverage because the couple is the one who valuate their life and not the advisor. The advisor is there to facilitate in the decision-making process, clear doubts and to present solutions to the couple’s needs.
To conclude, have a good and serious talk with your spouse, decide what both want, then seek professionals for solutions to cater to your needs. We can always discuss further after the couple has decided on what they intend to have in the future.
I hope that I have given some directions on head start to a better future.
Here are some important insurance to consider:
1) Life protection
A Life Insurance covering each other's life with each other as beneficiary.
2) Saving plan
Its good to start a saving policy in term of investment to ensure adequate funds for retirement and emergencies. You will be surprise on the amount of $ needed for retirement even if you decide to retire at 60. So it is recommended for the couple to talk to their Financial Advisor as soon as they settle down after their wedding.
3) Property
Property insurance to protect your most expensive spending. Many find this not necessary but to think about it; can we easily fork out another S$50K for reno again if anything would to happen to our property?
4) UnForeseen Circumstances:
Accident Policy
Lastly,
5) Hospital and Surgical coverage
With the rising medical fees in Singapore, this policy will help to lighten the 'bill load' if the person would to be hospitalised.
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