Enjoy
Talk
Reward
Learn
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1
Contents
In full flight 2
Captured! Winners of the 4
“Travel Moments” contest
Enjoy
It’s a wonderful world 6
For the seasoned globetrotter 7
Family fun 8
Blissful vacations 10
Travel with peace of mind 12
Travel 101 14
Talk
Riding out the current market climate 16
Plan early for your retirement 17
Reward
Adding life to years 21
Active ageing 23
Goodies for the over 60s 25
A helping hand for medical costs 2
6
Learn
Women and their money 2
8
The 30-somethings
Mandy’s Mighty Adventures 3
4
Find us! 36
Useful numbers 8
3
Surprises! 39
Look out for special promotions throughout the book.
Check out www.askocbc.com for our online contest and useful ideas for everyday life.
In full flight
ReTiReMeNT and travel are both liberating.
it is not surprising that Singaporeans dream savIng Up
about and plan for them. We for Travel
unearth some insights here: To fulfil their wanderlust,
2 out of 3 Singaporeans
see the need for
sufficient savings.
Travel DreaMs
1 out of 2
Singaporeans are
confident they
will achieve their
globetrotting dreams.
faMIly TrIps
More families with
young kids (55%) dream
of travelling compared
to families with older gloBeTroTTIng
kids (46%). 1 out of 2 Singaporeans
intend to travel in
the next 10 years.
Of these, half yearn to
explore the world.
3
reTIrIng Well
3 in 10 retirees are very
focused on managing
their personal wealth to
see them through their
retirement years.
faMIly MaTTers
25% of Singaporeans
with goals and dreams
for their families
believe that health
and savings are key to
fulfilling their aims.
fInanCIal
freeDoM
Nearly 1 in 5 want
to be financially
independent so they
don’t have to worry
about money.
early
reTIreMenT
Almost 1 in 10
Singaporeans between
the ages of 25 and 34
are thinking of
early retirement in
the next 10 years.
HealTH Is
WealTH
14% of the retirees
want to maintain good
health to achieve
their life goals.
* Source: Research agency
The Nielsen Company,
commissioned by OCBC
Bank, conducted telephone
interviews with 500
Singaporeans aged
between 18 and 64 years
in October 2007.
Captured! Winners of the
“Travel Moments” contest
ConGRATULATIonS! We thank all readers who sent in your memorable vacation
experience to our “Share Your Travel Moments” contest in our previous issue
of The Ask oCBC Booklet. There were many good entries.
The top 3 entries won a Samsung nV24HD Digital Camera
worth S$599 each. We also awarded 5 additional contestants
a consolation prize of a Samsung MP3 player each.
Main Prize Winners
Up in the Himalayas
Nothing in this world could replace the awe-inspiring
view of the Himalayas and all the pain and
exhaustion from the trek were quickly forgotten.
Koh K.E.
The beauty of life
You can find that the beauty of life lies in you
and the nature of Meiringen, Switzerland.
LinTjE S.S.
My entourage
Catching Balinese taekwondo experts along Kuta
Beach, Bali, to join in my bridal photo shoot!
Photo credit: jimorca Ang h.L.
5
Consolation Prize Winners
All human bones
This is a Capuchin crypt in Rome. it was decorated
with the human bones of over 4,000 Capuchin
friars or monks! Totally creepy!
LoKE S.L.
In the highlands of Edinburgh
Managed to take a picture of this majestic
mountain as the scenic terrain whizzed past
the window.
KuEK S.R.
Sunset at Patong Beach
Beautiful sunset at the Patong Beach in Phuket.
it’s simply spectacular.
Chin T.F.
Lugwid II castle in Germany
Plain and the sophisticated mix.
TAn S.
Fishing encounter @ Tianjin
A spectacular fishing experience during winter in
the early morning on a frosted river in Tianjin, China.
LiM P.n.
ask oCBC asks you!
Tell us what you think of this year’s 4 quarterly Ask OCBC booklets and what
you would like to see in 2009. Five readers with the most interesting
ideas will win a Samsung e250 mobile phone each. Visit www.askocbc.com
to participate now! Closing date for entries is 30 november 2008.
Terms and conditions apply.
Enjoy
It’s a
wonderful
world
Make your next holiday
the best one by far!
Choose the path less
trodden and discover
the unexpected
and beautiful.
7
for the seasoned
globetrotter
THe well-travelled globetrotter is one
who appreciates something a little
different when it comes to choosing a
travel destination.
CrUISInG THE AnTArCTIC
The coldest, windiest and driest
continent on earth — so harsh it has
no Government and no citizens — may
not sound like the best place to visit.
But Antarctica, which is 1.3 times the
size of europe, boasts some of the most
breathtaking, unforgettable scenery in the
world precisely because it is untouched.
Visitors who go onboard special
icebreaker vessels, which cut through
the ice, will be awed by the sight of
towering mountains, bulky glaciers and
giant luminous icebergs the size of office EL BULLI In BArCELonA
blocks — about 98% of Antarctica is Gourmands who have never been
covered by ice which averages 1.6km in to el Bulli in Spain should make an
thickness. They can also visit the teeming appointment now for dinner next year,
penguin colonies and spot birds, seals, and they will get it if they are lucky! The
albatrosses and enormous whales. three Michelin-star restaurant run by
chef Ferran Adria is an attraction in itself.
GoLF In SCoTLAnd Chef Adria, who specialises in
Cold, grey Scotland is also the home molecular gastronomy, has been
of golf, and there is nothing quite like described as “the most imaginative
playing the game in its country of generator of haute cuisine on the planet”.
origin. There are over 550 golf courses each season, 800,000 people from
in Scotland, the most notable of which all over the world call in to try and book
is the St Andrews Old Course, the oldest one of 8,000 places for a meal of strange
golf course in the world. it is believed and wondrous delights, which costs
that golf was played there from 1552. about 250 euros (S$519.31).
For the wives, there is the Old Course The menu has in the past included
Hotel located near the golf course with glass panes of sweet nori seaweed, mini
spectacular views of the course and the parmesan ice cream sandwich and a
sea beyond, as well as spa treatments trout egg tempura, freeze-dried, shaved
based on the therapeutic effects of water. foie gras with consommé and tamarind.
Enjoy
family fun
TRAVelliNG with children may “ooh” and “aah” at lions, ostriches
sometimes be difficult — more so and giraffes in the vast wilderness.
to exotic destinations — but you Swing by Cape Town, where
can make it an enriching experience you can swim with penguins, visit
for the whole family to cherish. the aquarium, experience the
townships, and ride a cable car
SoUTH AFrICA to the top of Table Mountain.
Having young children does not Move on to the Garden Route,
mean you have to eschew the which is filled with excellent
back-to-nature holiday. beaches, a monkey sanctuary,
South Africa, which has truly Cango caves and ostrich farms.
stunning scenery, is a great And of course, a safari at the
destination for a wildlife safari-type numerous family-friendly safari
family adventure where the kids can lodges is a must.
9
TUrkEy
The entire family will go ga-ga
over Cappadocia, a region in
Turkey that has an exceptional
natural landscape of rocks
weathered into bizarrely shaped
pillars, cones and fairy chimneys.
An entire underground city —
the Underground City of Kaymakli
— exists with bedrooms, kitchens,
dining halls, wine cellars, chapels
and stables.
Then there is Uchisar, an
old village of small dwellings
carved into massive rocks.
Try to visit one of the homes in the
village as they are incredible. And if
you visit in early December, you may
see the whirling dervishes performing
their trance-like turning dance.
expeDITIon Travel
explore the undiscovered. enjoy 5% off the published
rate for the following expedition packages when
you charge the bill to any oCBC Credit Card.
l 11D antarctic explorer
l 14D antarctic Circle Quest
l 11D Magic of Turkey, family adventure in Turkey!
l 8D kruger & swaziland experience,
safari in south africa & swaziland
Visit www.adventures.com.sg/ocbc to find out more and book now!
Terms and conditions apply.
Don’t have an oCBC Credit Card? SMS “OCBCCards
Your name Your NRiC to 76062”. Alternatively,
you can call 1800-363-3333 or log onto www.ocbc.com
Enjoy
Blissful vacations
THeRe are plenty of interesting CAMBodIA
and safe vacation spots for senior Not just for the young backpacker,
citizens who have seen it all. Cambodia is now one of Asia’s
Try these. most intriguing destinations.
it has become an attraction even
ALASkA for tourists who want to travel in
Perhaps only well-heeled retirees style while exploring the ancient
can afford the price tag on an temple complex of Angkor Wat,
Alaskan cruise, but once there, Cambodia’s national treasure.
the experience is unforgettable. The city of Siem Reap has
Towering glaciers, breathtaking developed dramatically since
scenery and abundant wildlife Angelina Jolie acted in Tomb Raider,
create an experience totally unlike which was filmed there, and it
mall-and-museum holidays. offers elderly tourists all the
More adventurous seniors can
venture beyond the ship to hike
into the wilderness. Those who
prefer not to strain themselves can
stay onboard the ship and enjoy
the movies, great food and other
entertainment.
11
comforts they could wish for.
Apart from Angkor Wat, tour
the mist-shrouded Bokor Hill
Station, which recalls Cambodia’s
heyday in the 1960s, recline on
the white sand beaches of
Sihanoukville and discover the
treasures of Phnom Penh.
Have fun shopping for
Cambodian designed clothes
and handcrafted leather shoes.
Travel WITH oCBC easICreDIT
CasH-on-InsTalMenTs
Travel to the destinations you want, when you want, with
oCBC easiCredit Cash-on-Instalments. Now you can have the
cash for anything you desire.
With Cash-On-instalments, you’ll enjoy:
4 no interest* on the loan amount for 12 months
4 CasH automatically deposited into your account upon approval
4 sMall and easy repayment
4 InTeresT savIngs when you pay off your other bank’s
credit card bills and free up your credit card limit for did you
overseas transactions know?
you can withdraw
cash at over 855,000
Get a free Timex Watch# with a minimum visa/plus aTMs^
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FrEE
* No interest incurred on loan amount. A one-time fee of 5% of the approved amount is chargeable, together with the first instalment.
Please note that payments made to your easiCredit Account will be used first to settle any billed instalments amount due. if the billed
instalment amount and one-time fee of 5% is not paid in full by the statement due date, prevailing interest at 17.8% p.a. is chargeable on
the outstanding amount and subsequent instalment amount.
^ A nominal service fee of 3% is levied on the Singapore dollar equivalent of amount withdrawn (min $5, max $20 per transaction).
# The offer is valid and limited to the first 200 customers who have successfully applied for Cash-On-instalments on a 12-month
tenure. it is limited to one gift per customer based on approved amount of S$6,000 or more (excluding processing fee) posted by
27 December 2008. This offer is valid whilst stocks last. The eligibility of each customer to receive a gift shall be determined at the
absolute discretion of OCBC Bank.
Enjoy
Travel with
peace of mind
WHeN travelling in a foreign
land, anything can happen:
lost luggage, food poisoning
or trip delays.
While the time lost
cannot be recovered and the
unhappiness experienced
cannot be reversed, travel
insurance can at least cover
the financial loss.
This is why anyone going on
a holiday should purchase travel
insurance for peace of mind.
A travel insurance plan like
TravelWise — which can be
bought almost instantaneously
and conveniently via online
registration — protects
you against practically all
contingencies like accidental
death and disability (up to
$300,000), medical expenses
(up to $300,000), trip delays,
hospitalisation, missed
flight connections and
damage or loss of luggage.
13
speCIal proMoTIon*
enjoy 20% off your premiums when you activate any
TravelWise plan from 1 October to 31 December 2008.
preMIUMs – area 1
area 1 countries: Australia, Brunei,
Cambodia, China, Hong Kong, india,
indonesia, Japan, Korea, laos, Macau,
Malaysia, Myanmar, New Zealand, preMIUMs – area 2
Philippines, Taiwan, Thailand, and Vietnam. area 2 countries: Worldwide
Travel within area 1 Travel within area 2
period of travel Individual family period of travel Individual family
1-4 days S$40.00 S$90.00 1-4 days S$50.00 S$110.00
S32.00 S$72.00 S$40.00 S$88.00
5th day onwards S$4.00 S$8.00 5th day onwards S$5.00 S$10.00
(per day) S$3.20 S$6.40 (per day) S$4.00 S$8.00
Annual Plan S$280.00 S$460.00 Annual Plan S$350.00 S$580.00
S$224.00 S$368.00 S$280.00 S$464.00
CHoose TravelWIse – annUal Cover
if you are a frequent traveller, you should choose TravelWise – Annual Cover.
Not only you do not need to worry that you may forget to activate your travel
insurance, you also save more premiums.
Illustration^
single Trip premiums S$424
annual Cover S$368
savings S$56 (more than 13% savings)
^ based on family plan for a 10-day trip and 4 short trips of 5 days a year in Area 1. Premiums quoted are after discount.
additional 5% off your premium when you activate your TravelWise plan via
OCBC internet Banking.
Why take chances? log onto OCBC internet Banking or call 6248-2699
(Mon – Fri, 9am – 5pm) to activate TravelWise now.
*Terms and conditions apply. Payment must be charged to customer’s nominated OCBC Credit Card or Bank Account.
Important Information
The above is for general information only. it is not a contract of insurance. The precise terms and conditions of the plans are
specified in the policy documents. TravelWise is underwritten by Overseas Assurance Corporation ltd, a wholly-owned subsidiary
of Great eastern Holdings ltd and a member of the OCBC Group. No representation or warranty whatsoever (including without
limitation any representation or warranty as to accuracy, usefulness, adequacy, timeliness or completeness) in respect of any
information (including without limitation any statement, figures, opinion, view or estimate) provided herein is given by OCBC Bank
and it should not be relied upon as such. OCBC Bank does not undertake an obligation to update the information or to correct any
inaccuracy that may become apparent at a later time. All information presented is subject to change without notice. OCBC Bank
shall not be responsible or liable for any loss or damage whatsoever arising directly or indirectly howsoever in connection with or
as a result of any person acting on any information provided herein. The contents hereof may not be reproduced or disseminated in
whole or in part without OCBC Bank’s written consent. This publication may be translated into the Chinese language. in the event
of any ambiguity, discrepancy or omission between the english and Chinese versions, the english version shall apply and prevail.
Enjoy
Travel 101
FROM getting the cheapest fares BEAUTIFUL
to packing light to getting the best PHoToS
photos, it takes skill and experience To
to travel well. Check out these tips. most
people,
TrAvELLInG LIGHT holiday pictures are
Over-packing is a vacation mementos that bring
common travel mistake. back good memories.
For tips on how to shrink Always ensure your camera
your luggage, check out battery is in good working order
www.onebag.com by a seasoned and that you have an adaptor to
traveller called the “go-light guru” charge the battery overseas.
by Time magazine. Carry spare batteries especially
The incredibly detailed advice for cold climates where the battery
is tried-and-tested. One sample runs out faster. Make sure you have
nugget: items like razors, toothbrushes enough memory cards to store the
and hair dryers can be obtained from images. lastly, test the camera and
some hotels, so you do not bring get familiar with the functions
these along. before you take it along.
CHEAP FLIGHTS WoMEn TrAvELLErS
Apart from travel agents, For women who travel,
websites like zuji.com there is a great deal more
have helped many travellers they have to prepare for and
to find the fastest or a must-read is the website
cheapest travel route. www.womentraveltips.com,
One effective site is www.wego.com, which was featured on
which searches results across hundreds the Oprah Winfrey show.
of travel sites in a split second to give Useful tips include wearing a
you a best price — which includes the wedding ring — even if you are
airport taxes. single — and bringing along a rubber
Veteran traveller Adrianna Tan, door stopper to impede potential
who maintains a travel blog at intruders into a hotel room.
popagandhi.com, attests to getting The site also contains many tips
good flight rates out of Singapore, for travelling families, plus general
Kuala lumpur and Bangkok. travel tips.
15
CasH savvy
Travel noW, pay laTer WITH oCBC paylITe
Simply put your travel purchases of minimum S$500 or equivalent made
anywhere into a 3-, 6- or 12- month interest-free instalment repayment at
a one-time low processing fee*. lighten your shopping bills in 3 easy steps:
Purchase made Tenure Monthly Instalment Processing Fee
Air tickets 6 months S$100 S$18
worth S$600
Travel packages 12 months S$200 S$120
worth S$2,400
Pay
lit e
1 Charge your
travel purchases
of S$500 and
above to your
OCBC Credit Card.
2 l Call 1800-363-3333 to
apply for OCBC Paylite+ or
l Print paylite form from
www.ocbc.com/Paylite
and fax to 6530-4411+.
3 Upon approval,
you can now take
time to pay with
OCBC Paylite!
please visit www.ocbc.com/paylite for Terms & Conditions governing paylite Instalment
payment plan.
* One time processing fee of 3% applies for 3 or 6 month tenure or 5% for 12 month tenure.
Paylite application is subject to approval and processing time is 7 working days upon which
you will be notified by mail.
+ At least 7 working days before the payment due date of the relevant billing statement.
geT CasH InsTanTly,
anyWHere In THe WorlD
Running out of cash while you travel? With oCBC Cash advance^,
you can withdraw cash easily at any overseas MasterCard or
ViSA ATMs using your OCBC Credit Card and PiN+. You can also
call for cash with Dial-A-Cash at (65) 6363-3333.
+ Need your Credit Card PiN? Simply call 1800-363-3333 before you travel.
Your PiN will be mailed to your billing address within 7 working days upon receipt of your request.
^ Cash Advance Fee of S$15 or 5% on the amount withdrawn, whichever is greater applies for each
Cash Advance transaction. interest will be charged at 24% p.a. (subject to a minimum of S$2.50)
will be calculated on a daily basis and levied on the amount withdrawn.
enjoy HIgHer CreDIT lIMIT overseas
Finally, up your OCBC Credit Card limit as a buffer before you travel.
Call 1800-363-3333 to request for a temporary increase on your credit
limit on your OCBC Credit Card.
All requests will be subject to approval and T&Cs apply.
Talk
riding out
which will allow you to ride
through volatility in the long run.
the current
if you have already invested in
retirement plans like unit trusts
or life insurance, maintain them
to benefit from the recovery in
market
financial markets.
Those with greater risk appetites
may get tremendous value in financial
market storms by stocking up on quality
climate
assets, such as financial instruments or
properties, as their prices go down. Note
the three golden rules though:
1. MAkE SUrE yoU CAn AFFord To LoSE
By Nicholas Tan THE MonEy CoMPLETELy
Head, Global Wealth Management This way, even if you make a mistake, there
will not be a huge impact on your lifestyle
WHAT began as a problem in the US and other financial plans.
investment market is now a global concern
for both financial markets and the real 2. AvoId THE USE oF LEvErAGE, I.E. LoAnS,
economy. Though the rescue efforts may To TAkE on LArGEr PoSITIonS
hopefully stabilise the financial markets, a it is tempting to get a mortgage to buy an
slowdown in economic activity is a growing investment property when prices are low.
certainty and jobs may be lost. if you do that, be very sure that you can
The good news is, just a day follows night, continue servicing the loan over a long time,
the financial markets and economy will especially if prices continue to head down.
recover over time. However, it makes sense to
re-balance our portfolios in the meantime. 3. EnSUrE WHAT yoU InvEST CAn BE
Go for safer investments such as deposits. LoCkEd AWAy For A LonG TIME
As employers may retrench workers to Markets, be it financial or property, can take
cut costs, be prudent and ensure that you a long time to recover. Having said that,
have enough resources to tide through any time is also your greatest ally here. Once you
unexpected difficulties. A regular savings catch an upswing, you want to stay invested
plan will also provide some measure of safety. to maximise your gains. This can only occur
Retirement plans should still continue, if prices rise over a long period of time.
17
Talk
plan early BeSiDeS squirrelling pennies away in
a box, there are many smarter ways to
for your
make sure you have enough money to
live well during the golden years. Here
are some tips:
retirement
1. STArT EArLy
Start early to give your money more
time to grow. if you invest $2,000 a
year between the ages of 20 and 40,
this amount will “compound” and
become a far larger sum by the time you
hit 60, than if you started investing $2,000
between age 40 and 60.
Speak to a financial planner for financial
advice and wealth planning.
2. MAnAGE yoUr dEBTS
Get back to basics and focus on
strong money management
skills. Overspending now
will leave you with less for
retirement and servicing
debts robs you of money
which can be put aside for
your retirement.
Particularly, be mindful of
spiralling credit card debts.
Try also not to chalk up new
debts to help you control
your expenditure.
3. InvEST WISELy
Those who are saving for
retirement, protect your nest
egg by investing wisely. it is
crucial to avoid timing the
market and do ensure you
have proper asset allocation
with diversification when
it comes to managing your
Scheme, continually reviewing
existing unit trusts, capping sales
charges, and developing investor
education programmes that aim
to guide CPF members into making
informed decisions.
The Government has made several
changes since January this year to
offer better returns on idle CPF
balances. However, it only covers
a certain portion of an individual’s
CPF savings and beyond this, CPF
members will need to take ownership
and consider investment options that
retirement portfolio. Do not overly can help to boost their balances.
expose your nest egg to one particular While some CPF members may
type of investment asset class, market prefer the safety of the above
or industry sector. average returns offered by the CPF
Adopt a disciplined investment Board for idle balances, every member
strategy and consistently rebalance understands that to reap additional
your portfolio to meet your risk rewards, he or she must be prepared
appetite and most importantly, keep to take some investment risks.
your long-term retirement goal in mind. it is crucial to ensure the risks
that you have undertaken are
4. yoUr CPF, yoUr within your risk appetite by taking
rETIrEMEnT nEST EGG into consideration a longer-term
Your CPF savings are your retirement investment horizon.
nest eggs that you need to nurture So start reviewing your CPF savings,
with care. as it can be a powerful investment tool.
if you are depending on CPF savings
to fund your retirement years, you may 5. BUILdInG AnoTHEr rETIrEMEnT
need to rethink your plans. While CPF nEST EGG WITH SUPPLEMEnTAry
savings can help to ease the burden, rETIrEMEnT SCHEME
it is unlikely to provide for all your The Supplementary Retirement Scheme
retirement needs. Be proactive in (SRS) allows you to enjoy tax relief on
managing your CPF balances and other the money you have set aside.
savings that have been earmarked for The SRS is a voluntary scheme
your retirement. started in April 2001 to encourage
The CPF Board has taken several Singaporeans, Singapore Permanent
measures to moderate costs for Residents and foreigners to save for
investors, and encourage Singaporeans their old age.
to be proactive in investing their CPF From 1 October 2008, your employer
savings. These measures include setting can also contribute to your SRS account,
more stringent criteria for admitting with the same tax relief applicable.
new unit trusts into the CPF investment The only time you have to pay tax
19
is when you withdraw your SRS
savings upon retirement and then,
only 50% of the savings withdrawn Go Wealth
is subject to tax. –> management
The savings can also be withdrawn
over a 10-year period, from or after tool
age 62 (the official retirement age), Plan your retirement with our Online
without the need to pay a 5% penalty. Financial Calculator now. Get an estimation
With effect from 1 October 2008, of funds required during your retirement.
members can continue making Visit www.ocbc.com/wealth to plan now.
contributions to the SRS after age
62 as long as they continue to work
and pay income taxes. You can now
work as long as you want and still
enjoy tax relief on your income!
facts on srs
key BenefITs of srs
1. Consistent savings for your retirement.
2. Tax deductible against your annual income.
3. SRS contributions can be used to invest in a
wealth product to further grow your money.
ConTrIBUTIon
There is a contribution cap to the amount that
can be put in the SRS account every year.
l S$11,475 for Singaporean and
Permanent Resident
l S$26,775 for foreigner
Example
if you put aside s$11,475
for 25 years and have it
invested at 4%p.a., you will
build for yourself an additional
nest egg of s$497,000.
DID yoU knoW?
Number of SRS account holders
have jumped from 11,890 in
December 2001 to 41,334 in
December 2007. SRS funds
have grown from $157 million to
$1.44 billion over the same period.
geT reWarDeD as yoU plan
for yoUr reTIreMenT
Make the most of your investments with our selected insurance plans and receive
free cool gadgets ranging from the latest mobile phones to digital cameras to gaming
consoles. Simply choose from a range of regular premium plans and get rewarded.
Come talk to our friendly personal financial consultants at any OCBC branch
today or call 1800-438-6088 to plan for your retirement.
DOCBCC 23973 A5 Sticker 9/9/08 12:15 PM Page 1
Your geo-trivia stickers. Around the world with our fun stickers.
Put your knowledge to the test. Place these national landmarks in the correct countries on These stickers will help you to keep a visual tab on the wonderful places that you have
the geo-trivia map. travelled to. Write down the destinations on these stickers and stick them on the world map.
Plus, share with your family and friends your next dream destination for some rest and relax!
The Eiffel
Colosseum Tower
The Pyramid at
Petra Chichén Itzá
Tower
of Pisa
Opera House Mount Fuji
Great Wall
Statue
of
Mt. Golden Gate Liberty
Rushmore Bridge Pink City
Great
Big Sphinx
of Giza
Ben
Taj Mahal Machu Picchu
Did you know...
The New Seven Wonders of the World
• Chichén-Itzá (Yucatán Peninsula, Mexico, founded in around 445 B.C.) • Mt. Rushmore USA
Mount Fuji Japan • Pink City India
• Machu Picchu (Urubamba Valley, Peru, built around 1460) • Great Sphinx of Giza Egypt •
• Statue of Christ the Redeemer (Rio de Janeiro, Brazil, built in 1931) Pyramid at Chichén Itzá Mexico
Peru • Big Ben England • The
• The Colosseum (Rome, Italy, built between 70 - 80 A.D.) • Taj Mahal India • Machu Picchu
• Petra (Arabah, Aqaba Governorate, Jordan, founded between 9 B.C. Bridge USA • Statue of Liberty USA
to 40 A.D.) • Great Wall China • Golden Gate
Italy • Opera House Australia
• The Great Wall of China (Hebei to Xinjiang, China, built between
200 - 220 B.C.)
• Petra Jordan • Tower of Piza
• Eiffel Tower France
• Taj Mahal (Agra, India, completed in 1648 A.D.) ANS: The Colosseum Italy
DOCBCC 23973 Map Sel 9/8/08 5:51 PM Page 1
Your geo-trivia world map for you to paste your fun stickers.
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SOUTHERN OCEAN Melbourne
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www.ocbc.com
reward
21
adding life
to years
OUR interview with consultant
Dr Sitoh Yih Yiow of Parkway Health
Group uncovers tips for living well.
Says consultant geriatrician
Dr Sitoh Yih Yiow: “Growing old
doesn’t mean that one needs to
stop doing the things that one likes
to do. Nor does it mean the surrender
of dreams or aspirations. A healthy
and active lifestyle, conducive
environment and supportive society
are also important.”
To age successfully, these are the
things you can do*: Hence, going for regular health
screening — so that diseases can be
AvoIdInG dISEASE detected and treated early — is
For the elderly in Singapore, the top crucial. Dr Sitoh suggests that regular
killer diseases, according to Dr Sitoh, screening be done for hypertension
are cancer, heart disease, pneumonia, and diabetes after the age of 40,
strokes, diabetes mellitus and chronic screening for glaucoma and macular
obstructive lung disease. degeneration after 50, and screening
He says: “From the geriatrician’s for osteoporosis after 65.
viewpoint, early detection of chronic But if there is a family history
diseases and proper management of certain diseases, like breast or
of these conditions are extremely colon cancer, earlier screening is
important.” highly recommended.
MAInTAInInG HIGH CoGnITIvE restricting the salt intake of those
And PHySICAL FUnCTIonS with hypertension.
For our brains and bodies to be
working well into our old age, the kEEPInG An ACTIvE InTErEST In LIFE
adage “use it or lose it” is apt. According to the book, Successful
Studies have shown that when Aging: The MacArthur Foundation
it comes to brain degeneration, Study by John W. Rowe and Robert l.
conditions like dementia, memory Kahn, the elderly may feel that ageing
loss and even Alzheimer’s disease can is about letting go of life, and as their
be delayed with brain-stimulating friends die, they stop working and their
exercises — like doing crossword children go their own ways.
puzzles, playing mahjong and But increasingly, studies have
social interaction. shown that those who age well
Physically, Dr Sitoh recommends continue to connect with and
— in order of priority — stretching, embrace life, from maintaining
strengthening, balance and stamina a close social network of friends
exercises for the aged. and family, finding new passions,
He says: “Stretching and flexibility volunteering and grandparenting
exercises can minimise the risk of to pursuing new hobbies.
tendon, muscle or ligamentous
injuries. Do strengthening exercises sign up for our health seminar where
first, followed by balance exercises you can hear Dr sitoh elaborate on
to minimise the risk of injurious falls, how to age successfully!
and lastly, stamina exercises if the
*From the book Successful Aging: The MacArthur
person is able to tolerate this. By and Foundation Study by John W. Rowe and Robert l. Kahn.
large, walking or a slow jog for 20
to 30 minutes 3 to 5 times a week
is good enough.”
But those with certain conditions
should beware the kind of exercise
they choose: Heart disease patients
should avoid strenuous exercise and
osteoporosis patients must avoid
falls. This means that activities
like trekking are not ideal.
What you feed your body
is critical, so pay attention
to your diet.
Dr Sitoh stresses
the importance of
a balanced diet,
with certain
adjustments:
Avoiding or
rationing simple
carbohydrates
for diabetes
patients,
23
reward
active
ageing
AGeiNG does not mean having to slow life, and indeed, studies have shown that
down. Retirement gives you the time those who volunteer their services live
you need to pursue your interests. Try longer, healthier and more satisfying lives
out the following activities: because they have a sense of purpose.
Seniors and retirees are perfect
LInE dAnCInG volunteers due to their skills, knowledge
Dancing in grid lines to a set of steps is and experience. They have the time to
particularly well-suited to the elderly for spare too. Go to the National Volunteer
it is rhythmic exercise that is kinder on and Philanthropy Centre’s website to
the joints than other forms of dancing. find out more.
it’s also great fun and a great place to
meet friends. it is mentally stimulating as MAHjonG
the dancers have to memorise different Rather than viewing mahjong as a game
routines, and the choreography demands to lose money at, view it as a game to
that mind and body work together. boost brainpower. Many point to mahjong
as a key in the battle against mild to
GyM moderate dementia as it is essentially
increasingly, community gyms are a brain exercise. it is also believed that
frequented by retirees who enjoy a light the social interaction that accompanies
workout in air-conditioned comfort and mahjong has cognitive benefits for the
more importantly, who require the gym aged. So set up the tiles now.
equipment to maintain their muscle
tone. The gym also serves as a TAIjI
social meeting place to Taiji and qigong are the perennial favourites
chat with friends. of seniors whose joints and bones
benefit from gentler forms of exercise. At
voLUnTEErInG the Singapore Botanic Gardens and east
Holding out a helping Coast Park, there are numerous groups
hand is one of the of seniors who gather in the morning
most rewarding for their rounds of exercise. Join them
things we can do in for free and lubricate those rusty joints.
lIve Well, look greaT
seMInar CUM HIgH Tea
Co-organIseD By oCBC CreDITs CarDs anD parkWayHealTH servICes
is there a fountain of youth and how do i achieve
it? Our panel of expert speakers will share
important tips on how you can stay healthy
and look great by taking good care of your body,
mind and spirit. Join us and embark on your
journey to a healthier and happier lifestyle.
seMInar TopICs
l successful aging: Is there a fountain of youth
Dr Sitoh Yih Yiow, Consultant Physician
& Geriatrician
l Coronary artery Disease: facts which you may not, but should know
Dr lim Yean Teng, Consultant Cardiologist
l The perfect Cut – What you need to know before your cosmetic surgery
Dr Chua Jun Jin, Consultant Plastic Surgeon
Date: 29 November 2008 (Saturday)
Time: 1.30pm to 5.00pm
venue: Marina Mandarin Singapore
level 1, Marina Mandarin Ballroom
fee: S$10 for OCBC Generic Platinum MasterCard members
$15 for all other OCBC Credit Cardmembers and invited guests.
(Fee is inclusive of goody bag worth over S$200, lucky draw and high tea buffet.)
To register, email the following information to Cheokmhjoanna@ocbc.com
1. Principle Cardmember’s Name:
2. NRiC No:
3. Contact No:
4. Guest Name (where applicable):
5. First 8 digits of Credit Card Number (Payment of fee will be charged to this card):
For more information, please visit www.ocbc.com/platinum
Terms and conditions
limited to first 200 participants on a first-come-first-served basis. each OCBC Principal Cardmember can invite up to
1 guest. Payment of fee will be charged to your OCBC Credit Card. Strictly no refund once registration is confirmed.
25
reward
Museums and other attractions
instead of $3, senior citizens pay $1.50 to
visit the Asian Civilisations Museum and the
Singapore Art Museum. Other discounted
goodies
attractions include the Chinese Garden,
National Orchid Garden and the Singapore Zoo.
for the
TrAnSPorT
Buses and trains
Once you reach 60 years of age, you can apply
for the purple ez-link card for senior citizens
over 60s
and enjoy concessionary rates for MRT train
and SBS Transit bus rides.
Compared to a commuter who has
to pay 90 cents for a journey when he
boards an air-conditioned bus, for instance,
a senior citizen pays 67 cents.
CHeCk out all sorts of perks, from
transport to entertainment. air travel
Those 65 years and above who travel on
SHoPPInG budget airline Jetstar get concessions
nTUC fairprice on basic economy class adult fares on all
Senior citizens who shop at NTUC FairPrice sectors. Just fill in the concession form
on Tuesdays are rewarded with a 2% discount — from authorised travel agents, JetStar
on their purchases. offices or at JetStar’s website — and submit
it along with a photograph and proof of age.
EnTErTAInMEnT You can even apply for a Senior Citizen
Movies identity card from Jet Airways, which gets
Those who are aged 55 and above can pay you concessions for future travel on Jet
just $4 to watch a movie at any Golden Airways flights.
Village cinema. This is almost half the normal
ticket price, and it is valid from Mondays to HEALTHCArE
Fridays for movies screened before 5pm. Those aged 65 years and above get subsidies
at polyclinics run by Singhealth and the
sistic shows National Healthcare Group. For instance, at
enjoy various concessions the Singhealth Bedok Polyclinic, while others
for tickets purchased at pay $9 for a doctor’s consultation, a senior
Sistic outlets. citizen pays $4.60.
SPorTS
Senior citizens are eligible for concessionary
rates of $1.50 at all ClubFiTT gyms. They are
also eligible for the concessionary rate of
$0.80 for a single entry to public swimming
pools on weekdays and $1.10 on weekends.
reward
a helping hand
for medical costs
WHeN it comes to medical costs, it is FEATUrES oF MAxHEALTH vAnTAGE
best to be prepared for all eventualities l Guaranteed renewability.
by having comprehensive insurance l Reimbursement of hospitalisation
plans that can offer you financial and surgical expenses.
protection in the event of hospitalisation l if diagnosed with any of the covered
or surgery, critical illnesses, long-term 30 critical illnesses, you will get a sum
care or loss of income in the event of of money which will come in handy
long-term disability. for medical treatment or lifestyle
MaxHealth Vantage is one of the adjustments. MaxHealth Vantage
most comprehensive plans in the also covers an additional 10 critical
market. This plan can be bought for childhood illnesses for a child up to
anyone ranging from a 15-day-old and including age 18 (next birthday).
baby to a 60-year-old adult. it provides l Depending on your age or
targeted benefits for different life stages employment status, you can be
till age 60 (next birthday), and certain covered for the disability income
benefits can be renewed up to age 75 benefit. in the event you are totally
(next birthday). or partially disabled, the disability
income benefit provides you with
monthly payouts for up to 5 years.
However, if you are unemployed or
above 60 years old, the long-term
care benefit provides you with
monthly benefits for up to 5 years if
you are unable to perform at least 3
out of 6 “Activities of Daily living”.
To boost your well-being with
MaxHealth vantage, come talk to us at
any OCBC branch, call 1800-438-6088 or
log onto www.ocbc.com/wealth today.
27
Important Information
MaxHealth Vantage is a health and medical insurance plan underwritten by Overseas Assurance Corporation ltd, a wholly-owned subsidiary of Great
eastern Holdings ltd and a member of the OCBC Group, and is not a deposit or obligation of, or guaranteed by OCBC Bank. Max is a registered trademark
of The Overseas Assurance Corporation limited. it is usually detrimental to replace an existing accident and health insurance policy with a new one. A
penalty may be imposed for early policy termination and the new policy may cost more or less benefits at the same cost. You may wish to seek advice
from a financial adviser before making a commitment to purchase the product. in the event that you choose not to seek advice from a financial adviser,
you should consider whether the product in question is suitable for you. This article is for general information only. it is not a contract of insurance. it does
not constitute an offer to buy an insurance product or service. it is also not intended to provide any insurance or financial advice. The specific terms and
conditions of the plan are set out in the policy documents. A person interested in the insurance policies should read the product summary and benefit
illustration (available from OCBC Bank) before deciding whether to buy this product. OCBC Bank, its related companies, their respective directors and/or
employees (collectively “Related Persons”) may have positions in, and may effect transactions in the products mentioned herein. OCBC Bank may have
alliances with the product providers, for which OCBC Bank may recieve a fee. Product providers may also be Related Persons, who may be receiving fees
from investors. OCBC Bank and the Related Persons may also perform or seek to perform broking and other financial services for the product providers. No
representation or warranty whatsoever (including without limitation any representation or warranty as to accuracy, usefulness, adequacy, timeliness or
completeness) in respect of any information (including without limitation any statement, figures, opinions, view or estimate) provided herein is given by
OCBC Bank and it should not be relied upon as such. OCBC Bank does not undertake an obligation to update the information or to correct any inaccuracy
that may become apparent at a later time. All information presented is subject to change without notice. OCBC Bank shall not be responsible or liable for
any loss or damage whatsoever arising directly or indirectly howsoever in connection with or as a result of any person acting on any information provided
herein. This publication may be translated into the Chinese language. in the event of any ambiguity, discrepancy or omission between the english and
Chinese versions, the english version shall apply and prevail.
exeCUTIve HealTH
sCreenIng for oCBC
CreDIT CarDMeMBers
enjoy a special price for health screening @ s$288.00*
Package includes:
l Medical history taking by doctor l lipid/ Cholesterol profile
l Clinical examination by doctor l Full blood count
l Anthropometry Measurement l Thyroid disease
l Medical report and review l Gout/ Uric acid
l Chest x-ray l Bone disease
l electroCardiogram (eCG) l Venereal disease
l Urinalysis and stool examination l Hepatitis A and B
l PAP smear (ladies) l Cancer marker
l Blood investigations l CeA for G.i. cancer
l Kidney function test l AFP for liver cancer
l liver function test
For booking of appointment or any enquiries, kindly contact
our international Patient Assistance Centre (iPAC) 24-hr
Helpline at 1800-735-5000. Code: oCBC0808.
The executive Health Screening Package is available at:
1. east shore Hospital
level 1, 321 Joo Chiat Place
2. gleneagles Hospital
level 5 (Annex block), 6A Napier Road
3. Mount elizabeth Hospital
level 2 (Medical Center block), 3 Mount elizabeth
* Terms and conditions apply. Promotion is valid from 1 Oct - 31 Dec 2008.
Price quoted is before GST. Prior booking is required. Kindly quote
oCBC0808 during booking to enjoy offer. All payment must be
made with OCBC Credit Cards.
Learn
Women
and their money
The 30-somethings
iN THe previous issue, we looked at expenses and big ticket items like
the financial profiles of 20-something purchasing an apartment and a
women. Here, we move on to those car, as well as retirement. Those
in their 30s who could be: with kids worry about their children’s
l Single but financially independent; living and educational expenses.
l Married without kids; We take a peek into the financial
l Married with kids. profiles of three 30-something
They have more money, are more women by asking them 5 questions
financially savvy and know how to suggested by Anne Tay, Vice-President,
manage their money better. But they Group Wealth Management,
also have more concerns in life. OCBC Bank.
Research* shows that they fret over She then provides some tips for
the rising costs of living, health-care their financial makeover.
29
5 BASICS
Ms sHIrley Teo, 35,
MarkeTIng AnnE ASkS THE
Manager, sIngle
SALARy Over 1 Do you make it a point
to save each month and
S$4,000 a month. how much do you save?
2
SAvingS Saves
most of her bonus. Do you know how much
SPEnding Keeps you spend each month and
track of what do you keep a list of your
she spends. expenditures?
dEbT MAnAgEMEnT
Mainly credit
card debts of
3 Are you up to date on your
monthly payments and are
you aware of how much you
more than S$1,000,
need to pay each month for
which she pays
mortgage, credit card debt,
on time.
car loan and any other loans?
4
invESTMEnT hAbiTS
Time deposits, What financial products
unit trusts and insurance. have you purchased and who
biggEST FinAnCiAL WoRRiES prompted you to buy them?
5
Unemployment, having
enough money for old age What is your biggest financial
and caring for her parents. worry and what are your
FinAnCiAL goALS To buy a financial goals?
house and have a portfolio
of investments with secure
interest payouts.
anne Tay,
Anne ADVISeS: Vice-President
Group Wealth
it is good that Shirley saves her bonus, but Management,
she should inculcate an on-going habit of OCBC Bank
saving before spending. To better protect
herself against critical illness, disability,
rising healthcare costs, hospitalisation
and surgery, shirley can go for an insurance
needs analysis by a professional adviser.
She needs to protect herself well before
she can look after her parents.
* Source: idealog: business and consumer insight agency, commissioned by OCBC Bank, conducted 3 focus groups with
women of 3 different life stages who are Professionals, Managers, executives and Businessmen, a mix of degree and
diploma holders, and a mix of OCBC and non-OCBC customers. The 3 life stages comprise those who are from 24 to
32 years old, single or married without children; 28 to 35 years old, married with oldest child below 7 years old; and
36 to 50 years old, married with youngest child below 10 years old and above.
images used are not of the women interviewed for this feature. Names have also been masked.
Ms ng HUI lIng, 31,
Manager, MarrIeD
SALARy Between S$2,500 and
S$4,000 a month.
SAvingS Saves 1/3 of her gross
monthly income.
SPEnding Keeps track of what
she spends.
dEbT MAnAgEMEnT About S$800 a
month on housing and credit card bills.
invESTMEnT hAbiTS Fixed/time
deposits, insurance (life, critical illness,
hospitalisation and surgery).
biggEST FinAnCiAL WoRRiES
Healthcare expenses during old age.
FinAnCiAL goALS Buy a car, pay off
her housing loan and have liquid
assets of S$50,000 to S$100,000.
anne aDvIses:
Without children, this is
probably one of the best times
for Hui ling to be a great saver.
it is good that she sets aside at
least 33% of her gross monthly
income as savings and that
her debt servicing ratio is 25%
of her take-home pay, which is
below the recommended 35%.
She only needs 3 to 6 months of
her monthly expenses in liquid
assets, so rather than being
overly conservative, she can
invest the rest. With a very
long-term investment horizon,
Hui ling can take on a little more
risk. One way is through the use
of a monthly investment plan
which avoids timing the market,
allows buying at all market
conditions and above all, faces
less volatility. i would suggest
that she has her investment
risk profile determined by a
professional adviser.
31
Ms janICe lIM, 35, assIsTanT MarkeTIng DIreCTor,
MarrIeD WITH a THree-year-olD
SALARy Over S$4,000 a month.
SAvingS Saves 40% of her net
monthly income. anne aDvIses:
SPEnding Keeps track of what Janice should look at making her wealth
she spends. work much harder for her and her
dEbT MAnAgEMEnT $800 on a family. Considering that the average
mortgage and $800 on credit card life expectancy for a woman is 86, her
bills every month. investment horizon is long. if she plans
invESTMEnT hAbiTS Time deposits, to maintain her lifestyle during her
insurance plans (life and retirement years, she will need about
endowment), preference shares. 70% of her last drawn income before
biggEST FinAnCiAL WoRRiES Not retirement. She can start to build a
having enough money for an early retirement fund, in addition to her
and comfortable retirement. Cpf savings, to ensure that her
FinAnCiAL goALS Having enough retirement needs are met.
money for an early retirement.
Look oUT For THE nExT ISSUE WHErE
WE WILL TALk ABoUT WoMEn In THEIr 40S.
Learn
experience a world
of rewards as you
grow your wealth
LadIeS! Be a part of this unique programme created just for you to help
you achieve your financial goals while ensuring that you enjoy the journey
every step of the way! Simply apply for an oCBC smartsavings account
today and you’ll automatically be an oCBC ladies’ Circle member!
Here are the benefits you’ll enjoy: keeping track of your savings. You’ll
automatically receive an SMS from us
THE LAdIES’ rEWArdS when you are eligible for the reward!
Be rewarded for growing your savings in
your oCBC smartsavings account with THE LAdIES’ SMS & QUArTErLy QUIz
exciting gifts that are refreshed every Be delighted with our weekly SMS quotes that
quarter! What’s more, don’t worry about cover topics from Health and Fitness, Family and
Relationships to Financial Wellness and Beauty.
Plus, keep these weekly SMS quotes and
participate in our ladies’ Quarterly Quiz
and you could be 1 of the 3 lucky winners to
win exciting prizes*!
Reward
Categories What I need to do
Silver Save an incremental minimum
of s$10,000 and below s$20,000
in your OCBC Smart-Savings
Account over a 3-month period.*
Gold Save an incremental minimum
of s$20,000 and above in your
OCBC SmartSavings Account
over a 3-month period.*
Learn
33
THE LAdIES’ EvEnTS * Terms and conditions apply. Please refer to www.ocbc.com/ladiesCircle for
terms and conditions governing the OCBC ladies’ Circle.
every last Wednesday of the month, Singapore dollar deposits held by or for an individual or a charity in accounts
join us for treats while you bank at any of listed in OCBC Bank’s insured Deposit Register (available at www.ocbc.com/
policies ) will be insured in accordance with and for up to the limits specified
our OCBC branches at Ang Mo Kio Central, in the Deposit insurance Act.
Important notice
HarbourFront, Holland Village, Katong The plans under Maxlife Protector are underwritten by Overseas Assurance
Corporation ltd, a wholly-owned subsidiary of Great eastern Holdings ltd and a
and Serangoon Garden. member of the OCBC Group, and are not deposits or obligations of, or guaranteed
by OCBC Bank. Terms and conditions apply. Please refer to www.ocbc.com/wealth
- free floral tea throughout the day for more details. MAX is a registered trademark of The Overseas Assurance
Corporate limited. Buying a life insurance policy is a long-term commitment. An
- free 3-minute hand moisturising early termination of the policy usually involves high costs and the surrender value
payable may be less than the total premiums paid. it is usually detrimental to replace
therapy* for ladies only, from 5pm an existing accident and health policy with a new one. A penalty may be imposed
for early policy termination and the new policy may cost more or have less benefits
to 7pm at the same cost. This material is for general information only. it is not a contract of
insurance. it does not constitute an offer to buy an insurance product or service. it
Plus, get invited to our members-only is also not intended to provide any insurance or financial advice. The specific terms
and conditions of the plan are set out in the policy documents. A person interested
mini events filled with informative in the insurance policies should read the product summary and benefit illustration
(available from OCBC Bank) before deciding whether to buy this product. A copy of
talks and fashion or beauty-related fun! the prospectus of lionGlobal MAP Fund (“Fund”) is available and may be obtained
from the Fund Manager, or any of its approved distributors. Potential investors
should read the prospectus for details on the Fund before deciding whether to
subscribe for or purchase units in the Fund. The value of the units in the Fund and
WEALTH SoLUTIonS For yoU the income accruing to the units, if any, may fall or rise. You may wish to seek advice
from a financial adviser before making a commitment to purchase a life policy or
As an OCBC ladies’ Circle member, you’ll the Fund. in the event that you choose not to seek advice from a financial adviser,
you should consider whether the life policy or the Fund in question is suitable
benefit from an array of innovative wealth for you. No representation or warranty whatsoever (including without limitation
any representation or warranty as to accuracy, usefulness, adequacy, timeliness
solutions and privileges. or completeness) in respect of any information (including without limitation any
statement, figures, opinion, view or estimate) provided herein is given by OCBC Bank
Come speak to any of our Personal and it should not be relied upon as such. OCBC Bank does not undertake an obligation
to update the information or to correct any inaccuracy that may become apparent
Financial Consultants today and discover at a later time. All information presented is subject to change without notice. OCBC
Bank shall not be responsible or liable for any loss or damage whatsoever arising
more about the lionglobal Map funds directly or indirectly howsoever in connection with or as a result of any person acting
on any information provided herein. OCBC Bank, its related companies, their respective
and Maxlife protector today! directors and/or employees (collectively “Related Persons”) may have positions in,
and may effect transactions in the products mentioned herein. OCBC Bank may have
For more information, call 1800-438-6088 alliances with the product providers, for which OCBC Bank may receive a fee.
Product providers may also be Related Persons, who may be receiving fees
or visit www.ocbc.com/ladiesCircle from investors. OCBC Bank and the Related Persons may also perform or seek
to perform broking and other financial services for the product providers.
Be an oCBC laDIes’
CIrCle MeMBer ToDay!
You can when you sign up for your oCbC SmartSavings Account.
Key benefits you’ll enjoy:
l earn higher interest of up to 1% p.a.^
l The no-ATM-card feature helps you achieve your savings goals faster
l No monthly paper statements for greater privacy and security
l internet and Mobile Banking services for convenient 24-hour account access
plus, sign up with a minimum s$25,000 fresh funds deposit and get a free# bottle
of lanvin eclat d’arpege (30ml) worth s$71!
Head down to any of the selected oCBC branches to enjoy this special promotion.
Turn to page 39.
^ Compared to interest rate earned in regular savings account at 0.25% p.a. Promotional interest rates are subject to change without prior notice.
# Refer to page 39 for full set of terms and conditions.
Learn Catch “Mandy and her Mighty Adventures,
Season 2” every Sunday from 11.30am to noon,
starting from 26 October 2008 on okto,
formerly Kids Central channel.
Mandy’s Mighty
adventures
KiDS TV series “Mandy and her Mighty Adventures, Season 1”,
featuring 9-year-old Mandy and her 2 friends, the OCBC Mighty
SaversTM Simon and Sally, was a hit with kids. The season, which
finished its run early this year, was more than just fun and
entertainment. it was anchored on themes such as savings
and other life lessons. lead actress, Brittany Teo, who acted
as Mandy, tell us she also likes to see the world and learn new
things. Find out about her favourite travel experiences.
WHAT’S yoUr MoST AdvEnTUroUS HoLIdAy?
it was in Massachusetts, US, in Cape Cod.
i was in a cottage with my cousins and we
had so much fun! We were locked out.
We finally found a window slightly ajar and Mandy (centre)
because i’m a gymnast, everyone voted for me and her friends.
to climb in through that window! i had to climb
into the laundry room and make my way up a
flight of stairs to open the sliding door upstairs.
We also went whale watching. There were at
least 6 whales that we saw and our boat went
right up next to a whale that was feeding.
WHErE IS yoUr drEAM HoLIdAy dESTInATIon?
France. My friends all rave about France,
Paris, and i do want to see the eiffel Tower.
WHAT WILL yoU noT LEAvE
HoME WITHoUT?
i used to carry my mobile phone wherever
i went and i got so “addicted” to it, it was
in my face 24/7! Nowadays i don’t carry it
everywhere. i got rid of that habit. i also
carry my MP3 player and camera.
35
It’s not so easy to save. But if I don’t just spend,
spend, spend and save, save, save, I will have
enough for emergencies and presents.
WHy do yoU ACT? WHAT HAvE yoU LEArnT FroM FILMInG
i have always MAndy And HEr MIGHTy AdvEnTUrES?
wanted to act, i learnt that saving is very important in life.
so being Mandy At first i thought saving is easy. But doing
is a dream come the show, i realised i don’t have much
true! The fun part in my coin bank. i also learnt that being
about acting is being on the set. kind and unselfish is important in life.
We joke with the crew who are really
funny. it’s a lot of hard work to wake up WHAT MAdE yoU SIGn UP
early in the morning to memorise the AS A MIGHTy SAvEr?
lines, but i love it! And to be honest, i like the goodies that i get when
i like the attention. i save enough. There are also
i am also a lot like Mandy. i make stickers my mom gives me for
mistakes and learn from them. i like it every dollar i save. Best of all, i get a passbook
when people on the streets recognise me with my name on it. They even have my
as Mandy, and i don’t mind at all when thumbprint there. i think i am allowed to
they call me Mandy. make withdrawals with my thumbprint!
oCBC MIgHTy savers™
CeleBraTe CHIlDren’s Day!
in celebration of Children’s Day in October, we have lined up a series
of promotions and activities to celebrate with all the children:
Mighty savers™ short story Writing Contest (1-31 oct 2008)
We would like to invite your child to create a special Christmas story
about the Mighty SaversTM family and the importance of saving. This
contest is open to all Mighty Savers™ customers (aged 7 – 12 years old).
12 winners will be picked and each winner stands to win over
S$500 worth of prizes and Mighty Savers™ gifts. The winning stories
will be featured in OCBC branches and website.
Please log onto www.ocbc.com/mightysavers to find out more about
the Mighty SaversTM family and register for the contest now. You may visit
any OCBC branch or call 1800-438-3333 for more details.
Children’s Day gifts
Receive a special Mighty Savers™ Fun Bag and Wristband when you
open a child’s savings account with a minimum deposit of S$1,000 in
Oct 2008. if your child has an existing OCBC savings account, just top
up the same amount to enjoy the same offer.
The terms and conditions governing OCBC Mighty SaversTM Programme and OCBC Mighty SaversTM Short Story Writing Contest apply.
Please refer to www.ocbc.co/mightysavers for the complete set of terms and conditions.
Singapore dollar deposits held by or for an individual or a charity in accounts listed in OCBC Bank’s insured Deposit Register (available
at www.ocbc.com/policies) will be insured in accordance with and for up to the limits specified in the Deposit insurance Act.
ALL dEPoSIT ACCoUnTS
Tel: 1800-438-3333
eBAnkInG
Internet Banking, Mobile Banking,
Find us!
Phone Banking
Tel: 1800-363-3333
InSUrAnCE
Tel: 1800-438-6088
LoAnS
Home Loan, easiCredit, auto Loan,
Renovation Loan = Bukit
Tel: 1800-438-3333 *Choa Chu panjang
Commercial Property Loan kang
Tel: 1800-538-1111
InvESTMEnT
CPF
Tel: 1800-227-1188 = Bukit Batok
CPF Investments
Tel: 1800-783-5911 jurong
dual Currency Returns, Structured point
deposits, Unit Trusts = nTU *jurong
Tel: 1800-438-6088 east
= jurong West
OCBC Securities
Tel: 1800-338-8688
= jurong
CArdS = Clementi
Credit Cards, debit Card, Promotions
Tel: 1800-363-3333
ForEIGn ExCHAnGE
Foreign exchange & Interest Rates
Trading * Sunday Banking service will only be
Tel: 1800-538-1111 available in november 2008. Please
OCBC Foreign exchange Rates visit www.ocbc.com to find more.
Tel: 1800-363-3333
BUSInESS BAnkInG
Business Cash Financing For banking hours and more information,
Tel: 1800-328-1111
Corporate accounts, derivatives, visit www.ocbc.com/personal-banking/helpcentre/Hcr_Brl_Listing.shtm
emerging Business, Global Treasury Alexandra village Causeway Point
Tel: 1800-538-1111 Blk 123, Bukit Merah lane 1, 1 Woodlands square, #01-18, s(738009)
#01-98/100, s(150123)
CorPorATE CArdS Choa Chu kang
Aljunied Blk 304, Choa Chu kang avenue 4,
Tel: 1800-363-3333 Blk 119, aljunied ave 2, #01-40, s(380119) #01-663, s(680304)
ovErSEAS CUSToMErS Ang Mo kio CityLink Mall
If you are calling from overseas, Blk 629, ang Mo kio ave 4, 1 raffles link, #B1-07, s(039393)
please call (65) 6xxx-xxxx where #01-1006/1008/1010, s(560629)
Clementi
“xxx-xxxx” is the last 7 digits Ang Mo kio Central Blk 446, Clementi avenue 3,
of the toll-free number. For 53 ang Mo kio avenue 3, #B1-32/33 aMk #01-193/195, s(120446)
example, to enquire about our Hub, s(569933)
Coleman
al-Wadiah accounts, dial Balestier road 1 Coleman st, #01-09/ #02-08
(65) 6438-3333 360 Balestier road, The adelphi, s(179803)
#01-14/15 shaw plaza - Twin Heights, s(329783)
GLoBAL WEBSITE Compass Point
Bedok 1 sengkang square, #01-40/41
www.ocbc.com Blk 204, Bedok north st 1, #01-403/405, Compass point, s(545078)
s(460204)
SInGAPorE WEBSITE East Coast
www.ocbc.com.sg Bedok north 174/176 east Coast road,
Blk 88, Bedok north st 4, #01-163, s(460088) s(428880)
ASk oCBC Bishan East Point Shopping Mall
www.askocbc.com Blk 501, Bishan st 11, #01-372/374, s(570501) 3 simei st 6, #B1-06 eastpoint Mall,
s(528833)
ioCBC Bukit Batok
www.iocbc.com Blk 634, Bukit Batok Central, Geylang
#01-108, s(650634) 325/327 geylang road,
WEALTH MAnAGEMEnT s(389360)
Bukit Panjang
www.ocbc.com/wealth Blk 257, Bangkit road, #01-51/55, HarbourFront
s(670257) 1 Maritime square, Harbourfront Centre,
CrEdIT CArdS #02-99/100, s(099253)
Bukit Timah
www.ocbc.com/creditcards 170 Upper Bukit Timah road, #01-01 Bukit Holland village
Timah shopping Ctr, s(588179) 249 Holland avenue, s(278980)
Information is correct at time of print.
37
5
*sun plaza
northpoint
Causeway
point
= yishun
= khatib
= Woodlands
= punggol plaza
ang Mo kio
Central *Compass
point
White
= ang Mo kio sands
Hougang
= Bishan Mall = Tampines south
= Thomson = Upper serangoon
= serangoon garden = Tampines Central
= east point shopping Mall
= Bukit Timah = Hougang = Bedok north
Toa payoh
= sixth Central
avenue = Balestier
road = jalan sultan Bedok
*Holland katong
village = kallang
= joo Chiat
= lucky plaza = aljunied
= jalan Besar
= sMU = geylang
= orchard = Coleman = east Coast
= alexandra = Citylink Mall
village Harbour = oCBC Centre
sunday Banking branch
11am - 7pm (Mon - sun)
front = north
= people’s park
= Tanjong pagar oCBC Bank branch
= robinson road
Hougang khatib Sixth Avenue
Blk 211, Hougang st 21, #01-295, s(530211) Blk 846, yishun ring road, #01-3619/3621, 827 Bukit Timah road, s(279886)
s(760846)
Hougang Mall SMU
90 Hougang ave 10, #01-01/02/03, Lucky Plaza 70 stamford road, #B1-43, s(178901)
s(538766) 304 orchard road, #01-95/96/97 lucky plaza
shopping Centre, s(238863) Sun Plaza
jalan Besar 30 sembawang Drive, #02-23/24, s(757713)
10 jalan Besar, #01-01 sim lim Tower, north
s(208787) 460 north Bridge road, #01-00, s(188734) Tampines Central
1 Tampines Central 5, #01-02 Tampines Cpf
jalan Sultan northpoint Building, s(529508)
200 jalan sultan, #01-05 Textile Centre, 930 yishun ave 2, #01-07 northpoint
s(199018) shopping Centre, s(769098) Tampines South
Blk 138, Tampines st 11, #01-108/110,
joo Chiat nTU s(521138)
40 Changi road, s(419702) lounge at Canteen a, nTU nanyang avenue,
s(639798) Tanjong Pagar
jurong 260 Tanjong pagar road, #01-01, s(088542)
Blk 65, yung kuang road, #01-95/101, s(610065) orchard
160 orchard road, #B1-12/13 orchard point, Thomson
jurong East s(238842) 181 Upper Thomson road, s(574331)
Blk 130, jurong east street 13, #01-235,
s(600130) oCBC Centre Toa Payoh Central
65 Chulia st, #01-01 oCBC Centre, 520 lorong 6 Toa payoh, #02-53, s(310520)
jurong Point s(049513)
1 jurong West Central 2 Unit, #B1-31 jurong point Upper Serangoon
shopping Centre, s(648886) People’s Park 777 Upper serangoon road, #01-01,
101 Upper Cross street, #01-27 & #B1-49/50/51 s(534645)
jurong West people’s park Ctr, s(058357)
Blk 502, jurong West ave 1, #01-821, Woodlands
s(640502) Punggol Plaza Blk 303, Woodlands st 31, #01-159/161,
Blk 168, punggol field, #01-11/12 punggol plaza, s(730303)
kallang s(820168)
27 foch road, #01-02/ #02-01 White Sands
Hoa nam Building, s(209264) robinson road 1 pasir ris Central street 3, #01-11/a White sands,
77 robinson road, #01-03 robinson 77 s(068896) s(518457)
katong
Blk 83, Marine parade Central, #01-576/578, Serangoon Garden yishun
s(440083) 86/88 serangoon garden Way, s(555982) Blk 103, yishun ring rd, #01-67, s(760103)
USEFUL nUMBErS
Ministry of education
6872-2220
EMERgEnCy diAL-A-CAb
aaS emergency Road Service Weather Comfort and CityCab
6748-9911 6542-7788 6552-1111
ambulance/Fire Brigade Premier Taxi/ Silver Cab
995 6363-6888
Non-emergency ambulance PubLiC hoSPiTALS SMaRT
1777 alexandra Hospital 6485-7777
6472-2000
Police Tibs & SMRT
999 ang Mo kio - Thye Hua kwan 6555-8888
Hospital
Traffic Police 6453-8033 Trans Cab
6547-0000 6555-3333
Changi General Hospital
6788-8833
kk Women’s and Children’s SHOW
TIME
hELP LinE Hospital EnTERTAinMEnT
Care Corner 800 Hotline 6293-4044 Cathay Cineplex
(Mandarin)
National University Hospital 6235-1155
1800-353-5800
6779-5555
eng Wah
Family Life Society
Singapore General Hospital 6836-9074
6488-0278
6222-3322
Golden Village
National Family Service Centre
Tan Tock Seng Hospital 1900-912-1234
1800-838-0100
6256-6011
Shaw
Samaritans of Singapore (SOS)
6738-0555
1800-221-4444
alliance Francaise
Student advisory Centre
PRivATE hoSPiTALS 6737-8422
6778-0700
east Shore Hospital
6344-7588 Goethe-Institut Singapore
6735-4555
Gleneagles Hospital
6473-7222 Jubilee Hall, Raffles Hotel
oThER uSEFuL nuMbERS 6412-1319
Central Provident Fund (CPF) Mount alvernia Hospital
6347-6688 SISTIC
1800-227-1188
6348-5555
directory assistance (CitySearch) Mount elizabeth Hospital
6737-2666 The Black Box,
1900-777-7777
Fort Canning Centre
Flight information Raffles Hospital 6332-1302
1800-542-4422 6311-1111
Tickets.com
Housing & development Board Thomson Medical Centre 6296-2929
(HDB) 6250-2222
Victoria Theatre
1800-866-3060
6338-8283
Immigration and
Checkpoints authority (ICa)
6391-6100
Information is correct at time of print.
39
SUrPrISES!
Free sporty duffle bag upon sign-up for EasiCredit
Express Cash at any oCBC Sunday Banking branch.
Present this coupon with your NRiC, income documents
and attach them to the application form.
• Ang Mo Kio Central • Bedok • Causeway Point • Choa Chu Kang* • Compass
Point* • HarbourFront • Holland Village* • Hougang Mall • Jurong east* • Jurong
Point • Katong • Northpoint • Sun Plaza* • Toa Payoh Central • White Sands
sunday Banking branches banking hours: 11am to 7pm daily
* Promotion will only be available
from 23 November 2008.
Sign up for oCBC SmartSavings Account
to enjoy up to 4x higher interest rates^
and be a Ladies’ Circle member today!
Present this coupon when you sign up for the OCBC
SmartSavings Account with a minimum of S$25,000 fresh
funds deposit at the selected branches below and get a
FRee† bottle of lanvin eclat d’Arpege (30ml) worth S$71.
• Ang Mo Kio Central • east Coast • HarbourFront • Holland Village
• Katong • Orchard • Serangoon Garden • Toa Payoh Central • White Sands
^ Compared to interest rate earned in regular savings account at 0.25% p.a.
Earn up to 5x^ higher interest rate on your savings
today with oCBC Monthly Savings Account.
Bring this coupon down to any OCBC branch and get
a FRee† pair of movie tickets when you sign up for
OCBC Monthly Savings Account.
Turn to pg 40 for the list of OCBC branches.
^ Compared to the interest rate for a normal savings account.
receive a mystery gift with this coupon when you
perform a banking transaction (teller/PFC counter)
at any Sunday Banking branch on Sunday!
• Ang Mo Kio Central • Bedok • Causeway Point • Choa Chu Kang • Compass Point
• HarbourFront • Holland Village • Hougang Mall • Jurong east • Jurong Point
• Katong • Northpoint • Sun Plaza • Toa Payoh Central • White Sands
sunday Banking branches banking hours: 11am to 7pm daily
SUrPrISES!
†
Terms and conditions
- Valid from 1 october 2008 to 31 December 2008 or while stocks last.
- limited to 1 coupon per application.
- Customer must be a Singaporean or Singapore PR, earning at least S$30,000 p.a.
- A full set of application form, a copy of income document and NRiC is required.
†
Terms and conditions
- Valid only for new OCBC SmartSavings Account with a minimum S$25,000 fresh funds deposit.
- Valid from 1 october 2008 to 31 December 2008 or while stocks last.
- limited to female customers only, and 1 coupon per application.
- The gifts are not exchangeable for cash or other items.
- Singapore dollar deposits held by or for an individual or a charity in accounts listed
in OCBC Bank’s insured Deposit Register (available at www.ocbc.com/policies) will be
insured in accordance with and for up to the limits specified in the Deposit insurance Act.
†
Terms and conditions
- Valid from 1 october 2008 to 31 December 2008 or while stocks last.
- limited to 1 coupon per Monthly Savings Account sign-up.
- Free pair of tickets is only applicable with a minimum monthly savings of S$500.
Redemption letter will be sent within 1 month after successful account opening.
- OCBC Bank reserves the right to replace the gift without prior notice.
- Singapore dollar deposits held by or for an individual or a charity in accounts listed in
OCBC Bank’s insured Deposit Register (available at www.ocbc.com/policies ) will be insured
in accordance with and for up to the limits specified in the Deposit insurance Act.
†
Terms and conditions
- Redemption starts from 23 november 2008 and is valid while stocks last.
- limited to one free gift per customer regardless of number of coupons received.