When that green envelope arrives each year, it’s a clear sign that tax season is here again. While we all understand that paying taxes is a civic duty, it’s hard not to feel a little heart-wrenching when you see your bank balance take a hit. You’ve probably heard of Voluntary Health Insurance Scheme (VHIS) and Qualifying Deferred Annuity Policy (QDAP). This ‘Tax-Saving Duo’ not only helps safeguard your health and future retirement life but also serves as an effective tool for tax deductions. But how can you truly save smart with them?

There are many financial planning tools available on the market, and a Qualifying Deferred Annuity Policy (QDAP) may be an ideal option. Not only can it provide a steady income stream for retirement, but also it can qualify for tax deductions if you meet the eligibility criteria. Today, let me guide you through retirement planning and explore how a QDAP can help you achieve your goals.

Poisoning risks during travel often arrive unexpectedly and leave you at a loss. Whether it’s encountering venomous insects or ticks during outdoor activities, or accidentally consuming contaminated food or water, these health threats can swiftly turn a wonderful holiday upside down. This guide aims to provide travellers with clear, practical self‑help knowledge — from recognising symptoms and taking immediate action, to adopting essential preventive strategies and insurance protection. With these tools, you can remain calm in the face of crisis, make the right decisions, and minimise harm and risk.