Timothy Ho

Singapore

Co-founder and Managing Editor at Dollars & Sense

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Articles

Million Dollar Round Table (MDRT): What Does It Mean For Agents To Get In?

1 week ago | sg.news.yahoo.com | Timothy Ho

Million Dollar Round Table (MDRT): What Does It Mean For Agents To Get In? The Million Dollar Round Table, also known as the MDRT, is a global association that recognises top performing life insurance agents and financial advisors around the world. Members who qualify for the MDRT are typically held in high regard by their peers and are seen as the top achievers in the life insurance and financial services space.
Why Managing A Football Team Is Similar To Managing Your Investment Portfolio

2 weeks ago | sg.news.yahoo.com | Timothy Ho

The 2024/2025 Premier League season concluded two weeks ago with Liverpool crowned champions for the 20th time. Arsenal, Manchester City, Chelsea and Newcastle also secured qualification for the Champions League, alongside Liverpool and Tottenham, the latter earning their spot as Europa League winners. Meanwhile, Manchester United endured their worst season in recent history, finishing 15th in the league.
What Happens To Your HDB Flat After You Pass On Without Leaving A Will?

3 weeks ago | sg.news.yahoo.com | Timothy Ho

What Happens To Your HDB Flat After You Pass On Without Leaving A Will? In Singapore, 80% of us live in an HDB flat – and of those who do, 90% of us own our HDB flats. Typically purchased together with our spouse, an HDB flat usually represents the first step we take towards starting our families. But have you ever wondered what happens to your HDB flat after you or your spouse passes on?
What Happens To Your HDB Flat After You Pass On Without Leaving A Will?

3 weeks ago | sg.yahoo.com | Timothy Ho

Timothy Ho6 June 2025 at 5:45 am·5-min readIn Singapore, 80% of us live in an HDB flat – and of those who do, 90% of us own our HDB flats. Typically purchased together with our spouse, an HDB flat usually represents the first step we take towards starting our families. But have you ever wondered what happens to your HDB flat after you or your spouse passes on?
6 Things Every Singaporean Should Know About The GST

1 month ago | sg.news.yahoo.com | Timothy Ho

Whenever we buy something in Singapore, we see a 9% GST slapped on top of the price in the receipt. In most other countries, this is also known as the Value-Added Tax (VAT). This is a tax that affects everyone in Singapore, and we would assume that most people are familiar with how GST works. Yet, beyond knowing that we have to pay 9% tax on goods and services that we consume, many of us may not really know much more about it.
5 Ways Singaporeans Can Avoid Overspending On Health Insurance

Feb 13, 2025 | sg.news.yahoo.com | Timothy Ho

With an estimated 20,000 to 30,000 financial planning practitioners in Singapore, it’s common for Singaporeans to be approached by multiple agents offering health insurance products. This typically starts as soon as you enter the workforce, when financial planning becomes a topic of discussion among peers. It’s also likely that some of your friends have pursued a career in the insurance industry as financial planners.
Why Intentionally Lowering Your Credit Limit For Credit Cards Is A Good Idea

Jan 29, 2025 | sg.news.yahoo.com | Timothy Ho

Most of us are familiar with the advantages of paying with a credit card. Besides the convenience they provide, which allows for online shopping and cashless payment, most credit cards also offer attractive rewards in the form of points, cashback or miles. These rewards can be substantial, especially if you use the cards for most of your spending. When you pay using your credit card, you are actually using debt to purchase the products and services first.
How Much Does It Cost To Own A Rolls-Royce In Singapore?

Oct 18, 2024 | dollarsandsense.sg | Timothy Ho

Buying a Rolls-Royce in Singapore will be one of the most expensive vehicles that anyone can ever own as a vehicle in the world
SEC Adopts Final Climate Change Disclosure Rules | JD Supra

Mar 28, 2024 | jdsupra.com | Craig Fischer |Timothy Ho |Brendan Stone

On March 6, 2024, nearly two years after proposed rules were released, the Securities and Exchange Commission (“SEC”) adopted final rules to require public companies to disclose climate-related information in annual reports and in registration statements, either in a separate, captioned section or in another appropriate section such as risk factors, business or MD&A, or by incorporating the disclosure by reference from a separate SEC filing.
5 Financial Resolutions To Make As A Couple In 2024

Jan 11, 2024 | dollarsandsense.sg | Timothy Ho

Setting financial resolutions at the beginning of a new year has always been a popular practice. Many of us would want to improve our financial habits, such as controlling our spending, saving more, or investing consistently. Setting financial resolutions for oneself can be straightforward. However, achieving these resolutions frequently depends not only on our individual efforts but also on the cooperation and involvement of our partners.