121 When one party of a bank account jointholder passed on, can the other party make withdrawal?

When one party of a bank account jointholder passed on, can the other party make withdrawal?	聯名開戶頭1人離世 另一方能提款嗎？
The title is actually a reporting published in ChinaPress (21/2/2017). The reporter is responding to a online rumour that when one party of a bank account jointholder passed on, the left-behind party cannot automatically inherit the money.	“聯名開戶頭1人離世 另一方能提款嗎？”是刊登在中国报（21/2/2017）的一则报道。记者是根据网上谣传关于当银行户头的某方逝世时、另一方无法自动继承存款的问题，而想几间银行进行访问。
I believe many of us do not know the answer for sure. Just that elderly parents will normally open jointholder account with their children, to play safe. Well, if it can be inherit automatically, what should we do then? This we need to find out.	我相信很多人其实也不是很肯定答案。只是一般上的年长者都会与子女开设联名户头以防万一。如果真的生存方无法自动继承存款，哪又要怎么办呢？这确实也是我们必须了解的。
The reporter found out the answer depends solely on the decision made during account opening time—is it to be operated by a single party or both parties. If it is single party, the other party has to inform the bank together with supporting documents such as both NRICs, certificate of death, and signing a letter of indemnity. In this case, the account should belongs to left-behind party in a week time.	记者的访问结果是—能与否完全视乎开户时是选择单方或双方操作户头为准。若是单方即可领款的情况，那生存方必须通知银行并附上双方身份证、死亡证书、签署免责声明书，一般上在一个星期即可由生存方继承存款。
In the case of both parties to operate, then it depends on whether a Wills is available or not. Regardless of the availability, the account will be freeze until Letter of Administration or Grant of Probate is produced.	若是选择了双方签名方可领款的情况呢，那就得依据是否有遗嘱的情况而定了。在这个情况下，户头将被冻结直到家属完成遗嘱认证书或财产分配执行书。
The report also analysed situation with a Will is easier and faster than a situation where Will is not written. Therefore, a proper distribution instruction is definitely necessary. Although we may think having single party to operate may work just fine, we must remember one may have not only bank accounts. He could have a house, car, various investments, heirloom that need to be distributed.	报道也有分析有遗嘱的情况下的程序要较没有遗嘱的情况简单以及省时。所以妥善安排分配是绝对重要的。虽然说单方可操作户头的安排似乎已经挺妥善了，但我们还是必须考量到一个人可能不仅仅只有银行户头罢了。他可能还有屋子、车子、投资、家传之宝等等的财产需要分配。
So, let's make proper instruction. After all, we want our loved ones to enjoys our hard-earned assets, and not let them be frozen or become unclaimed assets.	让我们好好的安排我们的财产。毕竟我们要辛辛苦苦赚来的财产让挚亲拥有，而不是财产被冻结或是变成无人认领。

120 Videos @ Investors at Google

Investors at Google	Investors at Google
There is a wealth of videos about value investors or authors at Investors at Google. I am so excited when I listen to them. For some of the big names (Mohnish Pabrai, Pat Dorsey, Howard Marks etc.), I have heard of them and maybe read their books. However, to be able to listen to their talk is always a wonderful experience.	Investors at Google 里有好多价值型投资者或作者的演讲录影。真的很开心可以听到这些录影。当中有许多大师(Mohnish Pabrai, Pat Dorsey, Howard Marks 等)，我都有听过他们的大名或读过他们的著作，毕竟可以听大师的演讲还是很棒的。
Wow, I think it must be fortunate to work in Google. Besides about investing, videos on other areas of interest can also be found. Pls drop by there. I am sure there must be some that might interest / benefit you.	在谷歌打工好像很不错喔。除了关于投资的，还有其他方面的演讲录影。不妨去那儿一游。我相信可以有不薄的收获。

119 We provide minimum 2 insurance quotations

We provide minimum 2 insurance quotations	我们将提供至少两份保险估价单
Phillip Wealth Planners has partnership with 11 life insurance companies. As part of our financial services to our clients, planners are required to provide at least 2 insurance quotations when presenting to client.	Phillip Wealth Planners 共与11间寿险公司合作。为了提高理财员的服务水平，我们有义务为顾客提供两份以上的保险估价单供选择。
With this, we are not biased by any brand name. The decisions will be solely based on client's needs, financial ability and preferences.	如此，我们才能避免偏袒某品牌的情况。最终的决定取决于顾客的需求、财务能力及喜好。
Difference insurance companies may have similar products with different features or cost structures. If one wants to look at different companies quotation, the traditional method would be to get quotations from different companies' agent. The difficulty is all will say theirs is the best.	不同的寿险公司往往有类似的保单，各自可能有不同的特点或者成本架构。如果有人想要比较不同寿险公司的估价单的话，传统的做法是从不同寿险公司的代理员得到估价单。难处往往是老王卖瓜，自卖自夸。
For planners, we tried to do the reverse. When agents represent the insurance company, we planners represent the client. We tried to generate quotations using different different systems and make comparison.	对于理财员，我们尝试另类做法。如果说代理员是代表寿险公司，那理财员代表顾客。我们试着用不同公司的软件来做出估价单并进行比较。
If we can offer a product that the client eventually need, it doesn't matter to us which brand he choose. Client can choose based on any criteria he likes. This will be very beneficial to both parties.	如果我们能够提供顾客最终所需要的，那哪一个品牌对我们而言是不重要的。而顾客又可在毫无压力下自由选择。这对双方都是好事。
If your agent is unable to provide more than two quotations for your comparison, please write to sateo7689@yahoo.com.	若是你的代理员无法提供两份以上的估价单让你选择，请联络我们。电邮致sateo7689@yahoo.com即刻。

118 Good news for SPM holders who intends to study CFP.

Good news for SPM holders who intends to study CFP.	SPM 生就读 CFP 的绝好消息！
SPM holders who intends to study CFP course finally has a chance to do so. FPAM opens a channel for SPM holders to do so. The pre-requisite for the students is he must be a SPM (or equivalent) and 5 years of full time relevant experience in the financial services industry.	SPM生终于有机会就读CFP课程了。FPAM开启了这个机会。学生的先决条件是拥有SPM（或同等）以及在金融领域有5年全职相关经验。
What he needs to do is to pass a "Prior Learning Recognition Assessment (PLRA)" exam—a 2-hour MCQ assessment. No workshops are required for the assessment exams. After passing the PLRA exam, the student may then proceed to take Module 1.	学生需过关"Prior Learning Recognition Assessment (PLRA)"考试，这是一个两小时多选择题的考试。考试前无需参加任何课程。PLRA过关后，学生就可以就读单元一的课程。
This is indeed a very good news. We know there are many agents who wish to advance their career into financial planning industry but was rejected because of academic requirements.	这的确是非常好的消息。我们晓得有许多代理员有兴趣晋升理财行业但是碍于学术条件而无法如愿以偿。
I have checked with our Education Provider on this PLRA exam. He confirms that he can arrange the exam as long as there are a minium of 5 students.	我们的教育提供者确实了他可以安排如此的考试，条件是最少有5位学生。
CFP used to recruits Degrees holders, while RFP recruits Diploma holder from 2017 onwards. This special program for SPM holders to enrol in CFP course is indeed very precious opportunity. Don't miss it.	CFP的收生条件是学士生，RFP从2017年开始收取文凭生。如此的SPM生特别收生条件确实是相当宝贵的。可千万别错过了。
If you are interested, please email to sateo7689@yahoo.com for enquiry.	若是你有兴趣了解更多，请致邮sateo7689@yahoo.com。

117 CFP course for 2017

CFP course for 2017	2017年CFP课程
The first batch of CFP course for 2017 will start in February 2017. The education provider is looking for students. Do not miss the opportunity because it will only conduct class twice a year.	2017年第一批的CFP课程就要在二月份开课咯。学院正在录取新生。请尽早报名因为课程是每半年一次。
Pls write to me at sateo7689@yahoo.com if you want to know more details. I am not a staff or representative from the service provider. I just want more people to study CFP course.	如果您需要更多资料，可以电邮sateo7689@yahoo.com。我本身不是学院的职员或代理，只是想有更多人就读CFP课程。。