Best way to get insurance IMO

2021.12.09 04:52 Ok-Raise8704 Best way to get insurance IMO

Disclaimer: This is not financial advice, just findings of my own research on the internet and speaking with some insurance agent.
After reading thru the threads on insurance and researching and comparing thru DIY websites, eg. comparefirst.sg, moneyowl.com.sg and etc. I realized it's most worth it to directly purchase insurance from those website or insurance company website(without agent).
I'll list the benefits, along with the cons (with solutions) down below.
Benefits of DIY insurance 1) Cheaper, no longer have to pay costly middleman fees 2) Won't have to be pressurized by agents to buy 3) Have clearer understanding of what you are covered for and own financial health (Noone cares more about you than your love ones and yourself) 4) No longer have to depend on agents who have conflict of interest 5) Won't have bad relationships with friends who are agents even if they are no longer incharge of your policies 6) Easy and swift
Disadvantages of DIY insurance 1) Have to understand the terms and what the products cover 2) Have to look out for changes in insurance coverage 3) Claims and all other things have to DIY
So what's the solution to these disadvantages? One of the solution is go to financial blogs; eg. seedly, to learn more and keep yourself updated on insurance and then DIY but this is recommended for those who already have exposure in personal finance.
Another way, which is the easiest and laziest solution, is by meeting up with a one-time fee based Independent advisor and consult them accordingly to your needs and clarify on insurance products.
Times have changed and better alternatives are available whereby it provides us fairer opinions compared to traditional commission agents because, more often than not, commission agents will definitely push for high commission products instead of proposing products according to your needs. Ie, Agent commission first, your well being second.
Another important thing to take note of is to make sure that all insurances you have are made aware and sent to either your most trusted friend, family members, spouse or kids or all of them so they know what you have if anything were to happen to you.
To sum up, if you're really unclear and not financially trained get a one-time fee based advisor (It might cost $100-$200 for a one, but you're going to save a lot more by paying less for insurance in a long run) but if you already know what are your needs, just DIY.
TL:DR: DIY or One-time fee based advisors. Commission agents is a BIG NO
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2021.12.09 04:52 KalMusic Dolphin VR release doesn't work well with Oculus Quest 2

It's a weird issue I have, and im curious if anyone has a workaround/fix. I have an oculus quest 2, which i've managed to get working with most PC VR games via oculus link - pretty much everything i can think of works, including Steam VR games, at full speed. However, The VR build of dolphin runs at 40% speed, which is def not normal and absolutely unplayable. The thing is, I used to own an oculus devkit 2, which(even with my current PC build) worked at 100% with the emulator 3 years ago. Is there some weird difference or setting i'm forgetting to enable/disable here? It's not like the emulator doesn't run at all on the oculus - the games tend to launch just fine - but it only plays at 30-40% speed despite my hardware being able to run at 100%+ speed. tbh half of the reason i got my quest was to be able to play dolphin in VR again. Any suggestions would be appreciated!
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2021.12.09 04:52 LokiSmokey He'll accept his Nobel Peace Prize now...

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2021.12.09 04:52 friendliest_sheep Don’t spoil, but found what looks like foreshadowing(?) as early as the second level.

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2021.12.09 04:52 Pirateravi Dharma above brothers.....

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2021.12.09 04:52 nickbet0011 Instant ticket pdf from StubHub? Fake ticket?

I just bought some Sharks tickets for next week on StubHub for a decent price.
Usually when I buy on stubhub there is a verification email which transfers tickets to ticketmaster and the sharks app and you can add to Google/apple wallets, etc.
This time, I instantly received a shady looking PDF of 4 tickets with a mobile bar code. Never seen this before and a little worried. Has anyone had a similar experience?
These fake tickets?
I attached here what the top of the ticket looks like, cropped out the section, row, and mobile barcode.
Any help would be well appreciated! just bought some Sharks tickets for next week on StubHub for a decent price.
Usually when I buy on stubhub there is a verification email which transfers tickets to ticketmaster and the sharks app and you can add to Google/apple wallets, etc.
This time, I instantly received a shady looking PDF of 4 tickets with a mobile bar code. Never seen this before and a little worried. Has anyone had a similar experience?
These fake tickets?
I attached here (https://imgur.com/a/SS64SHw ) what the top of the ticket looks like, cropped out the section, row, and mobile barcode.
Any help would be well appreciated!
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2021.12.09 04:52 Strider2126 Ex Battlefield player looking for a new home

Hello! This is my first post here and i feel kinda weird, excited and curious at the same time
As you all know battlefield went full shit with 2042 and i feel lost. I need a new fps to fall in love with and i was looking around. I have found many fps however most are tactical none is on the level of battlefield which is pretty arcade. My questions are : can i enjoy it? I like tactical games however i am not a microphone guy..is it necessary to use it? What kind of new stuff can bring HLL to me? Is it a rewearding game or is just playing for the sake of playing? It seem a very interesting game to me and i am deciding if buy it or not need some infos
Thanks again
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2021.12.09 04:52 Po0Po0Bo0Bo0 Suggestions?

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2021.12.09 04:52 fentonvanwinkle Modded to actually look like himself.

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2021.12.09 04:52 Fokil Ancient planet stuck in the void

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2021.12.09 04:52 fearlessmash117 Should I start my conquest of the earth?

View Poll
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2021.12.09 04:52 Gingerguitarist98 graffiti floor update

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2021.12.09 04:52 Spend539 why iraq ain't gulf

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2021.12.09 04:52 RMavayya_bot MD 24/M

ID: rccujd
It’s mid night for me here. Nidra rataledu. So come let’s talk. I can be interesting, fun, intelligent, boring and dumb depending on who I am talking to. :p
Click here to respond. However, to report this post click here
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2021.12.09 04:52 trajop Where do you see yourself in an hour?

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2021.12.09 04:52 kiolets What is something you know there’s a better way to do, but are too stuck in your ways to change ?

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2021.12.09 04:52 ElementalPreacher If you cancel student debt. Isn’t there just going to be more student debt the next year?

What is the long term plan? Let’s say you cancel everyone’s student debt. Is the plan to do this every year so effectively making tuition free?
Apologies for not knowing how it works as I’m a Brit and it’s a little different here.
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2021.12.09 04:52 mac_cumhaill New impfzentren added to doctorlib

Two need Impfzentren added to Doctorlib with appointments from next week.
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2021.12.09 04:52 Arminnoori دوستان این میم در 18 آذر ساخته شد اگر مشابه این میمو دیدید به تاریخ نشرش توجه کنید

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2021.12.09 04:52 Salsal_Azar I wake up to find that after a night of getting wasted, my friends must've tattoed an ugly baby's face on my chest.

The next day, the tattoo has somehow moved down to my belly which has somehow started to swell.
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2021.12.09 04:52 One-Outside-4085 Quick-Tiques! - The Reed Effect "1973" (Self-released) - BallBuster Music

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2021.12.09 04:52 iambangingamilf Whom would you fuck, why and how ?

Whom would you fuck, why and how ? submitted by iambangingamilf to sexy_reallife_ladiess [link] [comments]


2021.12.09 04:52 jobsinanywhere HYD vs DEL Dream11 Prediction, Fantasy Cricket Tips, Dream11 Team, Playing XI, Pitch Report, Injury Update- Vijay Hazare

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2021.12.09 04:52 i-have-a-gud-dog Friends, why are you lonely?

I'm lonely and sad. I have no friends and partner. I'm doomed to die alone.
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2021.12.09 04:52 ConvergenceMan About that "supply shortage" the Hoomers keep talking about

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