Insurable and Non-Insulative Risks

When we talk of insurance, we are referring to risks in all forms. Here, having for an insurance policy is just a way of sharing our risks with other people with similar risks. However, while some risks can be insured (ie insurable risks), some can not be insured according to their nature (ie non-insurable risks). […]

Backpacking Vs Organized Tours – A Decision Every Traveler Faces

In planning my RTW adventure, I have been giving considering thought to the options of backpack solo, or booking into an organized tour. In my past travels, I have done a combination of both organized tours and backpacking solo and both have their good and bad points. ORGANISED TOURS – THE GOOD … Time Poor […]

Construction Insurance – Importance and Coverage

Construction involves large number of manpower and huge investments of money. The workers at a construction site risk their lives working at great heights, with dangerous tools, toxic materials, heavy equipment, under tunnels, etc. Hence, construction is associated with high amount of risk for money and lives. A slight negligence or bad fortune on part […]

Property Tax – Pros and Cons

Property tax can be the fairest and at the same time the not so fair tax collected by municipalities. Two of the determining factors of how it can affect what an individual will pay for this type of tax are where you live and a person’s economic condition. Even though we all can appreciate the […]

Mandatory Provident Fund

Ideally, retirement means a person retire from their regular career; Enter a new life span to review what they have contributed to their profession through their early and middle adulthood. When a person entering retirement, they must enjoy the rest of their life, the fruitful harvest gain from their previous efforts and pursuing a new […]