Insurance

Managing money shouldn’t feel complicated — yet many working adults feel unsure whether they’re saving enough, investing correctly, or making the right financial decisions for the future. This beginner-friendly, educational session is designed to give you a clear, practical foundation in personal finance — specifically tailored to the Singapore context. Whether you’re early in your career or simply want to get more clarity around money, this session will help you understand how the key pieces fit together. What We’ll Cover * The 3 pillars of personal finance: Saving, Investing & Protection * How CPF, cash savings, and investments should work together * How much you should roughly save vs invest at different life stages * Common financial mistakes working adults make (and how to avoid them) * How to build a simple, sustainable financial structure without jargon * How to think long-term without needing to “time the market” Who This Session Is For ✔ Working adults in Singapore ✔ Beginners with little or no finance background ✔ Those feeling overwhelmed by too much online financial advice ✔ Anyone who wants clarity before making financial decisions No prior knowledge required. What This Is (and Isn’t) ✅ Educational and discussion-based ✅ Practical and real-life focused ✅ Neutral and beginner-friendly ❌ Not a sales talk ❌ No products being pushed The goal is understanding, not selling. Event Format * Short presentation * Simple visuals & examples * Open Q&A and discussion * Casual, friendly environment Come listen, ask questions, or just learn at your own pace. 📍 Venue: Woodlands Regional Library ⏱ Duration: \~1.5–2 hours 🎟 Cost: Free If you’ve ever thought “I should really get my finances sorted, but I don’t know where to start” — this session is for you.

⚠️ **REGISTRATION IS REQUIRED VIA [THIS SIGN UP FORM](https://forms.gle/NAY2Ju1EsGNaqDo79)**[ ](http://forms.gle/saLWmbr5XbwUX8Jp8)⚠️ \*Please keep a look out for our email on the outcome of your registration that will be sent to you at **1-2 day(s) before** the session. If you did not receive any updates, please drop us an email at [community@div0.sg](community@div0.sg)\* **Career Trajectory AMA Series: Real Cybersecurity Career Moves, No Filters** Cybersecurity careers aren’t linear—and many of us reach a point where we start questioning our next move. End user to vendor, private to public sector, engineer to architect, practitioner to GRC—these transitions raise real concerns around skills, pay, identity, and long-term impact. This Career AMA series is built for people navigating those questions. Every two months, we’ll host an open AMA with cybersecurity professionals who’ve actually made these shifts. No polished success stories or recruitment pitches—just honest conversations about what changed, what was harder than expected, what they got wrong, and what they’d do differently. Expect candid insights, practical lessons, and space to ask the questions people usually avoid. If you’re considering a career move—or just want clarity on what’s possible in cyber—this series is for you. **AGENDA** * 6.30pm: Registration * 7.00pm - 10.00pm: Career Trajectory AMA on Crossing the Aisle: Strategically Transitioning from End-User Roles to the Vendor Ecosystem Till Late: Networking **SPONSORS** * F&B SPONSOR: [CHECK POINT](https://www.checkpoint.com/) * MEETUP VENUE SPONSOR: [CyberSG TIG Collaboration Centre](https://www.linkedin.com/company/cybersg-tig-collaboration-centre/posts/?feedView=all) **PANELLISTS' BIO** * **Kelvin Lim \|** *Senior Director, Sales Engineering at BlackDuck* Kelvin Lim is a veteran technology leader with over 20 years of experience driving cloud transformation and cybersecurity resilience. As the Senior Director of Sales Engineering, APAC at Black Duck Software, he leads AI adoption and GTM strategies while overseeing the region's application security teams. A recognized industry voice, Kelvin serves as an official spokesperson for Black Duck and contributes regularly to national and regional media. Kelvin’s career is defined by bridging technical execution with board-level strategy. His background includes leading global IT and cloud infrastructure services at GIC, and serving as Regional Head of Solutions Engineering at Cloudflare. Whether advising enterprise startups or guiding system integrators through large-scale modernization, Kelvin is dedicated to helping organizations navigate the complexities of hybrid cloud environments. * **Daisy Radford** \| Managing Director at Reversec * **Goh Kiat Chong** \| Head of Sales\, Public Sector at Check Point Software **IMPORTANT NOTICES** * Code of Conduct: [[https://www.div0.sg/code-of-conduct](https://www.div0.sg/code-of-conduct)] * Terms of Use & Disclaimer Notice: [[https://www.div0.sg/terms-of-use-disclaimer-notice](https://www.div0.sg/terms-of-use-disclaimer-notice)]

Let's hear from Samuel who is a veteran in the Financial Planning industry on balancing spirituality and career!

New Year, New Connections. Join us at Bar Spectre for an exclusive singles mixer where AI-powered matchmaking pairs you with people who share your interests and vibe—before the year ends. Sign up, make friends, get matched, and meet your curated connections in a relaxed, wellness-focused setting. Enjoy cocktails, guided conversations, and multiple rounds designed to spark something real. $10 per guest with one drink - alc or non alc. Limited spots. Register now and let AI do the matching magic before midnight!

**\*Subject: Join Me at the Next BNI Chapter Meeting!\*** Hi, I hope this message finds you well. I would like to extend a special invitation to you to join me at our upcoming BNI Chapter meeting. It's an event I'm excited about, and I believe you'll find it both valuable and enjoyable. BNI (Business Network International) has been a game-changer for my business, helping me connect with like-minded professionals, expand my network, and generate quality referrals. I believe that you, too, could benefit from being a part of our dynamic BNI Chapter. At the meeting, you'll have the opportunity to: * Network with fellow professionals from various industries. * Share information about your business and what types of referrals you are seeking. * Learn more about the power of referral marketing and how it can boost your business. * Discover the success stories of other BNI members. This meeting is a great chance for you to see firsthand BNI's incredible potential and how it can help you grow your business. I will be there to introduce you to fellow members and guide you through the process. Date: 9 May 2024 Time:7.30 am to 10.00 am Fee: $58 Venue: Chui Huay Lim Club 190 Keng Lee Road #04-01 Singapore 308409 Dress Code: Business Attire If you can make it, please RSVP by 8 May at 4.00 pm so we can ensure your spot at the meeting. [https://www.eventbrite.sg/e/9-may-24-bni-synergy-weekly-networking-meeting-tickets-885471006617?aff=oddtdtcreator](https://www.eventbrite.sg/e/9-may-24-bni-synergy-weekly-networking-meeting-tickets-885471006617?aff=oddtdtcreator) I genuinely believe that your presence at this meeting can significantly impact your business and professional network. If you have any questions or need further information, please don't hesitate to let me know. I'm looking forward to seeing you at the BNI Chapter meeting and introducing you to this fantastic group of business professionals. Together, we can take our businesses to new heights. Best regards, P/S: For more information about BNI, click here: [https://www.youtube.com/watch?v=JTLWbaIKJuw&t=5s](https://www.youtube.com/watch?v=JTLWbaIKJuw&t=5s) To find out more about BNI Synergy, click here [www.bnisynergy.sg](http://www.bnisynergy.sg) If you have any questions, please feel free to WhatsApp me at 98394575 or Email soononn@kashacademy.com

Join our Jump Start Planning Group, where we'll explore the essentials of Lasting Power of Attorney (LPA) and wills, and dive into real-life case studies to enrich your understanding. What's in store: \- Learn about LPA and wills from expert insights and past case studies \- Share your experiences and questions\, and get feedback from the group \- Discuss challenges and opportunities in planning for the future \- Connect with like\-minded individuals who share your interests \- Enhance your knowledge and confidence in making informed decisions Open Discussion: Bring your questions, concerns, or experiences related to LPA and wills. Our supportive community is here to learn together, share insights, and grow. Who should join: \- Young professionals planning for the future \- Families seeking to secure their loved ones' well\-being \- Individuals looking to understand LPA and Wills better

Hello there! Couchsurfing Singapore will be hosting a weekly social meetup where we will interact, make friends and talk about anything under the sun over a couple of drinks! There are no fees involved as we only value your presence and connection! This is a weekly meetup where we will discuss travel tips, adventures, current affairs, tech, hobbies, music, movies and anything you can think of. Please be respectful of others during the meetup. You can find myself, Kjello, Suraj or Shian Bang if you need any assistance before or during the meetup and we will gladly assist you! Drop a chat or comment if you require assistance before the meetup! Location: The Hummingbird Address: 3 Amoy Street, #01-01, Singapore 049948 Time: 8pm till late Join the group, to get up-to-date info on events, meetups and connect with other members (link to the whatsapp group will be sent to you)

To confirm your participation, please email **completeme@outlook.sg** or WhatsApp **81252321** us at least 3 days before the event. Please note that marking yourself as “Interested” on Meetup does not confirm your slot. Kindly contact us early to secure your place. **Walk-ins are not allowed.** Everyone deserves a chance at love — no matter where life has taken them. Fresh Starts is a welcoming speed dating event specially curated for those who are divorced, widowed, or simply looking to begin a new chapter. Meet like-minded singles in a supportive, judgment-free space where genuine connections are the goal. Through a relaxed 1-to-1 rotational format, you’ll have the opportunity to engage in meaningful conversations, and mutual matching will be done at the end to help take things further with someone you click with. Whether you're rediscovering love or open to something new, this is your chance to start fresh — because love doesn’t have an expiry date. ❤️ Your experience doesn’t end there. You will be invited to a private Telegram group for one week, providing the opportunity to continue conversations either in the main group or privately with your matches. Your ticket includes: ✨ 1 complimentary drink ✨ Guided 1-to-1 rotations ✨ Mutual matching ✨ A week-long facilitated Telegram chat group If you’re looking to meet new people, expand your circle, and potentially discover someone special — this is an event designed for you. **Cost:** Lady's Ticket $38 Gentleman's Ticket $38 This event is organised by **CompleteMe Dating Agency**. Founded in 2012, CompleteMe is a Singapore-based dating agency known for its curated dating events and speed dating sessions designed for working professionals. Having organised over 1,000 dating activities, the agency has helped countless singles meet, connect, and build meaningful relationships over the years. As a legit dating agency, CompleteMe conducts verification checks to ensure that all participants are legally single.

**Follow us on instagram @blacksleisure for directions to venue and more info!** Or refer to video here Public Transport https://youtu.be/jJs5TaGIPfs?si=KXXIUgVuW5GApZgV By private car https://youtu.be/xJP9H9hsXyU?si=4RcDGw5cLyPOvvma **Come join us for a session of leisure floorball to make new friends and workout!** 🍪All levels of expertise, age group and gender are welcomed. 🍪No experience needed. 🍪Come dressed in sports attire will do! 🍪Equipment will be provided. 🍪 A small fee of $5 only We also offer opportunities to play competitively. We have 2 men league teams and is looking to start a ladies league team soon. We want to build physical and mental fitness through sports and start a ladies competitive team in the near future. PS: Beginners are encouraged to come earlier 10 mins for introduction to sport. There will be a section of court used for training of newbies. Pls only rsvp if you are sure to turn up so as not to hog slots for others.

Hike with friends 11/1/2026, 8.30am Winsor nature park - Treetop Back to winsor nature park After hike, probably have brunch at nearby eateries Join whatsapp group https://chat.whatsapp.com/De0OteAzfM71TaNNGg6aBh

**BUKIT PAYUNG (258m) + 4 SMALLER HILLS LEISURE HIKE** **DATE: 10 Jan 2026 (Sat)** **{CONFIRMED TRIP}** **INTERESTED, WHATAPP +94884478 WILFRED, RSVP MEETUP!!** [https://www.meetup.com/lets-go-travelling-hiking/events/312470237/](https://www.meetup.com/lets-go-travelling-hiking/events/312470237/) **(A) Trans Bukit Payung (258m)** **Trans Payung** is an exciting hiking route in Malaysia that covers three prominent hills: **Bukit** Botak, **Bukit** Berdiri, and **Bukit Payung**. This trail offers a mix of open grasslands, forested paths, and scenic viewpoints, making it a great adventure for hikers It is 20 min drive from Yong Peng and all are low mountains and the highest is only 258m. This hike is open for beginner hiker as long as you have tried Bukit Timah or similar hikes and regularly exercise. Please come alone, with group of known friends or families to enjoy beautiful hike and good workout to burn out calories. **(B) EVENT DETAIL:** **Cost: $120/person** **2 person RSVP in Single Payment is $110/person)** **3 person or more person RSVP in Single Payments is $100/person)** **(C) PAYMENT:** Please Paynow $xxx/person to UEN 201727764C Wilfred Go Travelling & Hiking Pte or Bank Transfer to DBS Current Account 0029069789 and Text 94884478 with Print-screen Receipt **TA License No 03066** **TA NAME: WILFRED GO TRAVELLING & HIKING PTE LTD** **(D) INCLUDES:** \* 1 Event Host \* Mountain Guide/s\* Transportation Van < 14 person Bus >15 person \* Group Dinner is only included if group-size is 10 or more **(E) EXCLUDES:** \* Personal Insurance \* Items Not Mentioned In Itinerary include massage etc \* Dinner is at own cost if group-size is less than 10 persons **To Connect With Us:** Whatapps Channel: [https://whatsapp.com/channel/0029VaJmIsU9mrGTPqpect3l](https://whatsapp.com/channel/0029VaJmIsU9mrGTPqpect3l) Telegram Channel: [https://t.me/wilfredtravelsg](https://t.me/wilfredtravelsg) Facebook: [https://www.facebook.com/events/calendar](https://www.facebook.com/events/calendar) **❈Suggested Itinerary: (D)** 645am-Marsiling MRT Station 730am-Woodlands Checkpoint 8.00am-JB Custom 10am-Breakfast & Pack Lunch 1045am-Briefing and Start Hike 1130am- Puncak Bukit Botak (1st peak) 12pm- Puncak Batu (2nd peak). 1230pm- Rest, Own Packed Lunch 1pm: Continue hike to other peaks. 2pm- Puncak Bandkuit (3rd peak) 3pm-Puncak Bukit Alam (4th peak) 4pm-Puncak Bukit Payung (5th peak) 430pm- Return Meeting Point 5pm-Shower/Get Change 6pm-1 Group Dinner 8pm-JB Custom 10pm-Marsiling MRT **❈DISCLAIMER, INDEMNITY AND TERMS OF PARTICIPATION:** **\-\-\-ACKNOWLEDGEMENT TO OUR TERMS & CONDITIONS\-\-\-** PLEASE READ THIS LINK FOR T&Cs BEFORE YOU RSVP: [https://www.wilfredtravel.org/terms-and-conditions](https://www.wilfredtravel.org/terms-and-conditions) **\*BY PARTICIPANTION, I HAVE READ, AGREED & ACCEPTED TERM & CONDITION:\*** **❈THIS TOUR IS ORGANIZED BY:** **TA NAME: WILFRED GO TRAVELLING & HIKING PTE LTD** **TA License No: 03066**

If you are interested in selecting investment choices for your 401(k) or other workplace savings plan, minimizing your income tax liability, or identifying the most effective investments for your brokerage account, we are the group for you. We are a local chapter of Bogleheads, whose investment strategy can be found here: https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy Or you can peruse the Boglehead forum here: https://www.bogleheads.org/index.php I look forward to seeing you there. Mark Vonder Haar

Let’s meet for lunch at Tensuke market. They offer a variety of sushi and other Japanese food. Within Tensuke market is the restaurants Sushi Ten and Tensuke Ramen.

Staff Favorites Tasting at House Wine. I trust Jeff's palate and judgment. This will be a great value and quality tasting. Meet and Greet format....show up after 7pm, pay your $15 at the cash register, get your wine glass, and enjoy. I will get a table reserved for the group. Attendance is your agreement to the Group's Waiver of Liability terms. See our Group homepage for details.

The Columbus housing market is evolving, raising questions about next steps. This session will outline current trends in clear, practical terms. Seniors, caregivers, investors, and those preparing to buy or sell in 2026 will all benefit from the information provided. What You’ll Learn: • Key market trends and what’s driving them • How today’s conditions affect buying, selling, and investing • Guidance for seniors and caregivers navigating housing decisions • Strategies to make informed, confident choices All are welcome to attend. Please bring any questions you may have.

**Shake up your after work routine.** Join us for a guided cocktail class with our friends from Ilegal Mezcal and learn the story behind tequila and mezcal while creating three delicious cocktails from scratch. Your $15 ticket includes the class, all three cocktails, and a few party favors to take home. It is the perfect mix of learning, drinking, and socializing whether you are coming with coworkers, friends, or a date. Must be 21+ to attend.