Published Aug 30, 2015, 5:02 am SGT
What to look out for if you want enhanced coverage with integrated plans
Lorna Tan Invest Editor
Choosing comfort over costs in IPs
Come Nov 1, MediShield Life will be launched for all Singaporeans and permanent residents (PRs), providing welcome protection for them against medical bills for life, regardless of age or health condition.
MediShield Life replaces MediShield, a hospitalisation and surgical (H&S) insurance plan that covers patients in class B2/C wards in public hospitals.
The cover under MediShield Life is automatic and will include those currently covered by MediShield, private H&S plans, the uninsured, and those with pre-existing medical conditions.
This is a welcome enhancement as the MediShield scheme excluded pre-existing conditions and the coverage was only till the age of 92.
Like MediShield, MediShield Life is targeted at class B2/C coverage.
But it provides better protection by having higher limits for inpatient treatment, day surgery and outpatient cancer treatment, higher cancer limits, no lifetime limit and lower overall co-insurance, while maintaining the same deductible.
This means MediShield Life will pay more of the hospital bill.
Every household should have received a MediShield booklet by this month, which provides information on MediShield Life, its benefits, premiums and subsidies.
It also explains how Integrated Shield Plans (IPs) work and how the Additional Withdrawal Limits will work. Today, about six in 10 Singaporeans have IPs.
The Central Provident Fund (CPF) Board is the administrator of MediShield Life on behalf of the Ministry of Health (MOH).
The MediShield Life hotline is 1800-222-3399 and the website is www.medishieldlife.sg
HOW MUCH WILL MEDISHIELD LIFE COST?
With better benefits, MediShield Life will come at a higher cost than MediShield, ranging from a small 11 per cent rise for older people to a trebling of premiums for young adults.
For example, for a person aged between 31 and 40, the annual MediShield Life premiums would be $310, up from $105 under MediShield.
But help is at hand for various segments of the population.
To help pay your premiums, the Government will provide support via premium subsidies for lower- to middle-income households, Transitional Subsidies for all Singapore citizens, Pioneer Generation premium subsidies and additional premium support for the needy.
PREMIUM SUBSIDIES
A permanent feature for Singaporeans and PRs, these subsidies are for lower- to middle-income households. However, PRs will receive half the applicable subsidy rates of Singapore citizens.
To be eligible, the criteria are:
•Household monthly income per person of $2,600 and below;
•Living in an HDB flat or private housing with annual value of $21,000 and below;
•Do not own a second property
PIONEER GENERATION SUBSIDIES
Given to all pioneers for life, these Singaporeans will receive subsidies between 40 and 60 per cent, depending on age.
Pioneers will also receive annual Medisave top-ups for life, ranging from $200 to $800 each year. With both the Pioneer Generation Subsidies and Medisave top-ups, all pioneers will pay less for MediShield Life than for MediShield today.
TRANSITIONAL SUBSIDIES
Available for the first four years of MediShield Life, Transitional Subsidies are only for Singapore citizens, regardless of household income, annual value of homes and number of properties.
In the first year, Transitional Subsidies will cover 90 per cent of the net increase in premiums, after taking into account other premium subsidies. These subsidies will reduce and cover 70 per cent, 40 per cent and 20 per cent of the net premium increase in the second, third and fourth years respectively.
To check out your estimated MediShield Life premiums and subsidies, use the premium calculator at www.medishieldlife.sg/calculator.
ADDITIONAL PREMIUM SUPPORT
For those who cannot afford their premiums even after subsidies, the Government will provide additional premium support. This will ensure that no one will lose coverage.
SERIOUS PRE-EXISTING CONDITIONS
A person may have to pay additional premiums if he has a pre-existing condition - a medical illness that he has before he is covered under MediShield or a private integrated plan. For those with serious pre-existing conditions, a flat additional premium of 30 per cent of life premiums is payable for 10 years to reflect their higher risk.
Examples of these medical illnesses include stroke, cancer, kidney failure and heart diseases.
Details on who or which conditions will be subject to this premium loading will be finalised soon.
INTEGRATED PLANS
These are private H&S plans comprising a basic MediShield component (to be converted to MediShield Life automatically on Nov 1) and an additional private insurance component. As such, there is no duplication in coverage between MediShield and IPs.
IPs provide higher protection that cover the B1/A wards of public hospitals and private hospitals.
They are managed by private insurers under different product names, namely AIA (HealthShield Gold Max), Aviva (MyShield), Great Eastern (SupremeHealth), NTUC Income (IncomeShield) and Prudential (PRUShield).
If you have an IP, your insurer will inform you of the total premium, which includes the portion for MediShield Life.
This portion will be channelled to CPF Board by your insurer. As such, there is no double payment of the MediShield Life premium.
The good news is that you will be covered up to MediShield Life benefits for any pre-existing conditions, including those excluded from your IP. You may use your Medisave to fully pay the MediShield Life component of your IP premium, including any additional premiums resulting from the cover of serious pre-existing conditions.
Medisave used for the additional private insurance component of your IP will be subject to an additional withdrawal limit set at $300 (below age 40), $600 (turning 41 to 70) and $900 (turning 71 and above). You will need to pay your MediShield Life premiums at your next policy renewal on or after November. If you are currently covered by MediShield only, the CPF Board will inform you on your premiums and subsidies at the next annual renewal.
For those who own an IP, you will be informed by your private insurer when your plan is up for annual renewal. If you are currently uninsured, the CPF Board will inform you about your new MediShield Life coverage, premiums and subsidies, as well as additional premiums (if you have the applicable serious medical conditions), by October .
OPTING FOR INTEGRATED PLANS
Everyone has unique financial and medical circumstances and needs.
If you are deciding whether to keep or opt for IPs, here are some questions posed by Mr Apelles Poh, senior financial services director at Professional Investment Advisory Services.
•Is comfort important to you? You can enjoy more privacy with cool comfort with an IP whereas MediShield Life covers B2/C wards which have more beds and no air-conditioning.
•Is speed important to you? Mr Poh highlights that one can usually make an immediate appointment to see a specialist at a private hospital, while it could take much longer to be referred to a specialist at a public hospital by the polyclinic. If you are suffering from an aggressive medical condition, the time saved could be critical.
•Is the choice of doctors important to you? With IPs, you can choose your doctor, for example your own gynaecologist, to operate on you in a private hospital. Not so for MediShield Life.
•Is "as charged" (no sub-claim limits) and a fully covered plan important to you? With an IP, you can pay for a rider that covers both the deductible and co-insurance components of a hospital bill.
•Is covering out-of-pocket expenses incurred during pre- and post-hospital treatment important to you? MediShield Life will not cover such bills.
•Can you afford the premiums? Premiums for IPs are relatively low when one is young but they increase with age. One option is to downgrade the plan as you grow older, for example, after 65.
The Life Insurance Association Singapore (LIA) adds that with an IP, you enjoy higher annual limits on coverage and are also covered for emergency hospitalisation outside Singapore. MOH suggests that individuals keep in mind two broad factors when considering an IP.
First, the type of ward they prefer to stay in if they are hospitalised and whether they wish to choose their doctor.
Second, whether they can afford their IP premiums in the long run, as they increase with age.
The ministry also noted that while MediShield Life premiums are fully payable using Medisave, the additional private insurance component of IP premiums is only payable with Medisave up to a certain limit. Depending on your age and plan, you may need to pay part of your IP premiums in cash.
The most expensive IPs (taking into account MediShield Life premiums) can go:
•Up to $588 from ages 30 to 40, or two times MediShield Life premiums;
•Up to $2,553 from ages 66 to 70, or three times MediShield Life premiums; and
•Up to $8,058 from ages 89 to 90, or five times MediShield Life premiums.
The corresponding MediShield Life premiums for these age groups are $310, $815 and $1,500 respectively (before subsidies are applied).
LOOKING AHEAD - STANDARD IP AND IP CLAIMS ESCALATION
Some may wish to have an option of enhanced coverage beyond MediShield Life, but in a standardised, affordable and easy-to-understand package. This is why MOH is working with insurers to develop a Standard IP with benefits pegged at class B1 wards in public hospitals.
To be launched in the first half of next year, this will allow those concerned about premiums to buy or keep an IP. The five private IP insurers have promised to freeze premiums (not applicable to riders) for a year following the launch of MediShield Life. However, premiums are expected to go up after the first year, according to LIA.
This is because IP claims have escalated by an average of 12 per cent (involving public hospital class B1 and A wards) to 17 per cent (involving private hospitals) a year in the past few years, with private hospital claims rising the fastest.
Said an LIA spokesman: "Claims for IPs have increased over time due to larger medical bills, greater healthcare consumption and greater use of newer and costlier procedures resulting from medical technological advancements."
LIA added that based on IP insurers' experience, the average bill size from private hospitals is about two to three times that of the average bill size from public hospitals. The average bill size from private hospitals is also increasing at a faster rate than those from public hospitals.
IP insurers monitor the impact of claims escalation and bill sizes very closely and review their premiums and benefits on a regular basis. The last review was in early 2013.
MOH suggests a two-prong approach to prevent the escalation of total healthcare spending.
"The first approach is to transform our model of care to be less reliant on acute hospitals, more integrated with primary care and more centred on the patient in the community and home," said an MOH spokesman to The Sunday Times.
"Healthcare delivery should allow patients to receive care that is more effective, less costly and in more appropriate settings."
The second approach is to ensure there are right incentives for healthcare providers, doctors and individuals to deliver care appropriate for what the patient needs and avoid the problem of over-consumption.
MOH added: "We want to avoid a situation where doctors order more tests than necessary because the bill will be paid by insurance. We should ensure that treatments are clinically necessary and cost-effective. The concept of co-payment also reinforces this discipline."
The ministry is also working towards improving pricing transparency for hospital services, so Singaporeans can make more informed choices. Since 2003, MOH has been publishing total hospital bill sizes for common conditions in public and private hospitals.
Last year, MOH started publishing the total operation fees in public hospitals on the MOH website.
LIA says IP insurers will seek effective and innovative ways to improve price transparency and comparison of professional fees within the healthcare industry, as well as use in-depth data analytics to scrutinise unusually high bills to better manage claims costs and keep premiums affordable for all.
Sunday, August 30, 2015
Sunday, August 9, 2015
50 top money tips for financial health
Published Aug 9, 2015, 5:00 am SGT
Learn how to save, budget, get insured and plan for retirement
Lorna Tan
As we celebrate our nation's 50th birthday today, The Sunday Times highlights 50 top money tips covering a wide range of finance issues from saving and budgeting to insurance and investments in bite-size nuggets.
Understanding the basics
1. FINANCIAL VISION
Start with an end in mind. What do financial independence and retirement mean to you?
2. FINANCIAL PLAN
This is a money road map of your current and future cash flows.
It details how you want to build, preserve and distribute them to help you achieve what you want in life.
3. ACHIEVABLE MONEY GOALS
Set realistic shorter-term goals that are achievable so that you are encouraged to pursue your vision in incremental steps.
Start with an end in mind. What do financial independence and retirement mean to you? Create a money road map of your current and future cash flows. It details how you want to build, preserve and distribute them to help you achieve what you want in life.
4. FINANCIAL CALENDAR
Create a spreadsheet with milestones of hitting your short-term and long-term financial goals, and track them.
5. PRIORITISE YOUR GOALS
Wants are unlimited but resources are limited. Which financial goals are most important to you now?
6. CALCULATE FUTURE COST
Ask yourself if you would rather spend the money now or save it for the future by compounding and growing it.
7. SET UP A BUDGET
This is a tool to help you visualise where your money is being spent and identify where expenses can be reduced.
8. BUDGET WITH THE FAMILY
Share the responsibility with family members. When everyone cuts back a little, it can make a big difference.
9. CASH ENVELOPE
Take out cash to last you one week of discretionary expenses and stick to it.
10. KEEP YOUR RECEIPTS
You will be less likely to over-spend.
Saving
1. SET MONTHLY AND ANNUAL SAVINGS GOALS
If saving is difficult for you, start with 20 per cent and aim for a higher percentage when your income grows.
2. SAVE YOUR BONUSES
Try to save most of your bonuses.
3. PAY YOURSELF FIRST
Set up a Giro arrangement so that part of your monthly pay goes to a separate savings account. Better still, do not link an ATM card to this account to prevent quick access.
4. PAY OFF HIGH-INTEREST DEBT FIRST
This is to avoid these high interest debts from ballooning out of control.
5. TRACKING YOUR SPEND
Use an app to track your expenditure on a daily and monthly basis.
6. USE A DEBIT CARD
People who chalk up huge debts usually blame it on their easy attitude with credit cards which charge customers up to 24 per cent a year in interest for late payments.
7. AVOID MAKING IMPULSE PURCHASES
Compare prices and feedback in chat forums before you make that purchase.
Consider how many times you will use the item. Have a mental picture of what you already own. Will it add value to your life?
8. BUYING ON INTEREST-FREE INSTALMENTS
This is a marketing tactic. Do you really need to buy the item?
9. EAT AT HOME MORE
It is cheaper to eat at home (and healthier too) than to eat out.
10. DO YOU HAVE TOO MUCH IN SAVINGS?
Consider investing to grow your savings, once you have set aside about six months of emergency cash.
Insurance
1. HOSPITALISATION & SURGICAL INSURANCE
Unless your company offers portable health insurance, you owe it to yourself to be insured while you are still healthy and insurable.
2. CPF LIFE
The CPF Life is a national annuity scheme offering income payouts for life upon retirement. Save for and beyond it to secure your retirement.
3. BUNDLED INSURANCE PRODUCTS
Over the years, insurance has become bundled with investments, which introduces another layer of cost.
In some cases, it may be better to buy term (pure protection) and invest the rest.
4. MORTGAGE INSURANCE
If you have an outstanding home loan, it is prudent to buy mortgage insurance to cover you and your family should you meet any unfortunate situation.
5. UNDERSTAND INSURANCE JARGON
Do you know what these terms mean: Death benefit, guaranteed and non-guaranteed benefits, surrender value, rate of returns, premium holiday and exclusions?
6. AT POINT OF SALE
Expect to be given certain documents including a "Your guide to life insurance" booklet, a product summary and a benefit illustration, even if you buy on a "no advice" basis.
7. COMPARE INSURANCE PRODUCTS
Use comparison portals, such as compareFirst and DIYinsurance to check out differences in features and premiums.
8. CHOOSE THE RIGHT INSURANCE
Have a clear idea of what you need. The cheapest product is not always the best for you. Understand the benefits, terms and conditions.
9. HOW MUCH LIFE INSURANCE DO I NEED?
The conventional rule of thumb is to multiply your annual income by 20 years. But there are no fixed rules. Consider how much your beneficiaries would need if you are not around.
10. COMMITMENT
Buying insurance is a long-term commitment. Early terminations may result in you losing part of the premiums paid.
Investments
1. WORST-CASE SCENARIO
Don't let greed get in the way. It's natural to picture the best-case scenario. Discipline yourself to ask what is the worst-case scenario and if you can take the risk of it happening.
2. MINIMISE INVESTMENT COSTS
Investment-related costs like sales charges, expense ratios, fund management fees, trailer fees, hurdle rates and performance fees will eat into your returns. This is why some investors prefer low-cost index funds, which are passively managed as they track indices.
3. RISK VERSUS RETURNS
Consider how much risk you feel comfortable with. Also, do you have the capacity and do you need to take the risk?
4. RULE OF 72
To find the number of years required to double your money at a given interest rate, you divide 72 by the expected return. For example, if you want to know how long it will take to double your money at 8 per cent interest, divide 72 by eight and you get nine years.
5. POWER OF COMPOUNDING
When you understand the power of compound interest, long-term investing makes a lot of sense because the amounts will add up rapidly over the years.
6. DOLLAR COST AVERAGING
Invest equal amounts regularly over a long period so as to buy more units or shares when prices are low and fewer when prices are high. The advantage is that you lower your cost of investment and reduce the risk of investing at a peak.
7. SUPPLEMENTARY RETIREMENT SCHEME
A national voluntary scheme which enables you to save on taxes while you build your nest egg.
8. DON'T TRY TO TIME THE MARKET
It's difficult to time the market which moves in cycles. Those who time the market typically miss the run up.
9. TIME HORIZON
As a general rule of thumb, subtract your age from 100. That is the percentage you can invest in stocks and the rest in more conservative investments like bonds.
10. REBALANCE YOUR PORTFOLIO
Fine-tune your portfolio periodically by buying and selling portions of it so as to bring it back in line with your risk profile and asset allocation.
Money is a means to an end
1. HEALTH
Health is wealth. Reduce your healthcare cost by eating healthily and exercising regularly.
2. EXPERIENCE
Spend on experiences, not things.
3. FRIENDS
Cultivate friends with similar money attitudes and healthy lifestyles.
4. GIVE AND BE INVOLVED
It is better to give than to receive. Besides cash donations, experience the joy of giving your time and effort.
5. MONEY IS NOT AN END IN ITSELF
Accumulating money without a purpose loses its meaning in the long run.
6. LASTING POWER OF ATTORNEY
Decide who are your donee(s) in case you become mentally incapacitated.
7. LEAVE A WILL
Ensure a speedier and hassle-free distribution of your estate upon your demise.
8. ADVANCE MEDICAL DIRECTIVE
To reduce the trauma of family members having to make a difficult decision, inform your doctor in advance that you do not want the use of any life-sustaining treatment to prolong your life in the event that you become terminally ill and unconscious and where death is imminent.
9. COUNT YOUR BLESSINGS
Do this daily before you sleep and you are more likely to wake up happy and positive.
10. PURPOSE-FILLED LIFE
To me, the meaning of life is to discover my gifts and use them to make a difference. Money simply provides more options.
Learn how to save, budget, get insured and plan for retirement
Lorna Tan
As we celebrate our nation's 50th birthday today, The Sunday Times highlights 50 top money tips covering a wide range of finance issues from saving and budgeting to insurance and investments in bite-size nuggets.
Understanding the basics
1. FINANCIAL VISION
Start with an end in mind. What do financial independence and retirement mean to you?
2. FINANCIAL PLAN
This is a money road map of your current and future cash flows.
It details how you want to build, preserve and distribute them to help you achieve what you want in life.
3. ACHIEVABLE MONEY GOALS
Set realistic shorter-term goals that are achievable so that you are encouraged to pursue your vision in incremental steps.
Start with an end in mind. What do financial independence and retirement mean to you? Create a money road map of your current and future cash flows. It details how you want to build, preserve and distribute them to help you achieve what you want in life.
4. FINANCIAL CALENDAR
Create a spreadsheet with milestones of hitting your short-term and long-term financial goals, and track them.
5. PRIORITISE YOUR GOALS
Wants are unlimited but resources are limited. Which financial goals are most important to you now?
6. CALCULATE FUTURE COST
Ask yourself if you would rather spend the money now or save it for the future by compounding and growing it.
7. SET UP A BUDGET
This is a tool to help you visualise where your money is being spent and identify where expenses can be reduced.
8. BUDGET WITH THE FAMILY
Share the responsibility with family members. When everyone cuts back a little, it can make a big difference.
9. CASH ENVELOPE
Take out cash to last you one week of discretionary expenses and stick to it.
10. KEEP YOUR RECEIPTS
You will be less likely to over-spend.
Saving
1. SET MONTHLY AND ANNUAL SAVINGS GOALS
If saving is difficult for you, start with 20 per cent and aim for a higher percentage when your income grows.
2. SAVE YOUR BONUSES
Try to save most of your bonuses.
3. PAY YOURSELF FIRST
Set up a Giro arrangement so that part of your monthly pay goes to a separate savings account. Better still, do not link an ATM card to this account to prevent quick access.
4. PAY OFF HIGH-INTEREST DEBT FIRST
This is to avoid these high interest debts from ballooning out of control.
5. TRACKING YOUR SPEND
Use an app to track your expenditure on a daily and monthly basis.
6. USE A DEBIT CARD
People who chalk up huge debts usually blame it on their easy attitude with credit cards which charge customers up to 24 per cent a year in interest for late payments.
7. AVOID MAKING IMPULSE PURCHASES
Compare prices and feedback in chat forums before you make that purchase.
Consider how many times you will use the item. Have a mental picture of what you already own. Will it add value to your life?
8. BUYING ON INTEREST-FREE INSTALMENTS
This is a marketing tactic. Do you really need to buy the item?
9. EAT AT HOME MORE
It is cheaper to eat at home (and healthier too) than to eat out.
10. DO YOU HAVE TOO MUCH IN SAVINGS?
Consider investing to grow your savings, once you have set aside about six months of emergency cash.
Insurance
1. HOSPITALISATION & SURGICAL INSURANCE
Unless your company offers portable health insurance, you owe it to yourself to be insured while you are still healthy and insurable.
2. CPF LIFE
The CPF Life is a national annuity scheme offering income payouts for life upon retirement. Save for and beyond it to secure your retirement.
3. BUNDLED INSURANCE PRODUCTS
Over the years, insurance has become bundled with investments, which introduces another layer of cost.
In some cases, it may be better to buy term (pure protection) and invest the rest.
4. MORTGAGE INSURANCE
If you have an outstanding home loan, it is prudent to buy mortgage insurance to cover you and your family should you meet any unfortunate situation.
5. UNDERSTAND INSURANCE JARGON
Do you know what these terms mean: Death benefit, guaranteed and non-guaranteed benefits, surrender value, rate of returns, premium holiday and exclusions?
6. AT POINT OF SALE
Expect to be given certain documents including a "Your guide to life insurance" booklet, a product summary and a benefit illustration, even if you buy on a "no advice" basis.
7. COMPARE INSURANCE PRODUCTS
Use comparison portals, such as compareFirst and DIYinsurance to check out differences in features and premiums.
8. CHOOSE THE RIGHT INSURANCE
Have a clear idea of what you need. The cheapest product is not always the best for you. Understand the benefits, terms and conditions.
9. HOW MUCH LIFE INSURANCE DO I NEED?
The conventional rule of thumb is to multiply your annual income by 20 years. But there are no fixed rules. Consider how much your beneficiaries would need if you are not around.
10. COMMITMENT
Buying insurance is a long-term commitment. Early terminations may result in you losing part of the premiums paid.
Investments
1. WORST-CASE SCENARIO
Don't let greed get in the way. It's natural to picture the best-case scenario. Discipline yourself to ask what is the worst-case scenario and if you can take the risk of it happening.
2. MINIMISE INVESTMENT COSTS
Investment-related costs like sales charges, expense ratios, fund management fees, trailer fees, hurdle rates and performance fees will eat into your returns. This is why some investors prefer low-cost index funds, which are passively managed as they track indices.
3. RISK VERSUS RETURNS
Consider how much risk you feel comfortable with. Also, do you have the capacity and do you need to take the risk?
4. RULE OF 72
To find the number of years required to double your money at a given interest rate, you divide 72 by the expected return. For example, if you want to know how long it will take to double your money at 8 per cent interest, divide 72 by eight and you get nine years.
5. POWER OF COMPOUNDING
When you understand the power of compound interest, long-term investing makes a lot of sense because the amounts will add up rapidly over the years.
6. DOLLAR COST AVERAGING
Invest equal amounts regularly over a long period so as to buy more units or shares when prices are low and fewer when prices are high. The advantage is that you lower your cost of investment and reduce the risk of investing at a peak.
7. SUPPLEMENTARY RETIREMENT SCHEME
A national voluntary scheme which enables you to save on taxes while you build your nest egg.
8. DON'T TRY TO TIME THE MARKET
It's difficult to time the market which moves in cycles. Those who time the market typically miss the run up.
9. TIME HORIZON
As a general rule of thumb, subtract your age from 100. That is the percentage you can invest in stocks and the rest in more conservative investments like bonds.
10. REBALANCE YOUR PORTFOLIO
Fine-tune your portfolio periodically by buying and selling portions of it so as to bring it back in line with your risk profile and asset allocation.
Money is a means to an end
1. HEALTH
Health is wealth. Reduce your healthcare cost by eating healthily and exercising regularly.
2. EXPERIENCE
Spend on experiences, not things.
3. FRIENDS
Cultivate friends with similar money attitudes and healthy lifestyles.
4. GIVE AND BE INVOLVED
It is better to give than to receive. Besides cash donations, experience the joy of giving your time and effort.
5. MONEY IS NOT AN END IN ITSELF
Accumulating money without a purpose loses its meaning in the long run.
6. LASTING POWER OF ATTORNEY
Decide who are your donee(s) in case you become mentally incapacitated.
7. LEAVE A WILL
Ensure a speedier and hassle-free distribution of your estate upon your demise.
8. ADVANCE MEDICAL DIRECTIVE
To reduce the trauma of family members having to make a difficult decision, inform your doctor in advance that you do not want the use of any life-sustaining treatment to prolong your life in the event that you become terminally ill and unconscious and where death is imminent.
9. COUNT YOUR BLESSINGS
Do this daily before you sleep and you are more likely to wake up happy and positive.
10. PURPOSE-FILLED LIFE
To me, the meaning of life is to discover my gifts and use them to make a difference. Money simply provides more options.
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