您想为未来高质量的退休生活提前做准备吗？您想了解美国的医疗保险五花八门的选择吗？您考虑过有一天可能去第三国定居退休但又怕没有当地医疗保障吗？您希望有一份优质保险却又可以有储蓄分红功能吗？您想了解新加坡保险与北美保险的区别和各自优势吗？您想了解在美国如何选择适合自己的养老医疗保险吗？你想知道在北美或其他国家如何投保新加坡全球险吗？
全球投资理财沙龙为您开启为期两集的全球医疗，养老，退休，保险话题。为您提供如何规划高质量的北美退休选择以及第三国养老医疗生活选择的信息。
此次线上论坛将在“全球投资理财沙龙记录频道” Youtube频道同步直播，并将在爱奇艺 “投投有道”频道后期剪辑频道录播。
参与嘉宾名单：
特邀谈话嘉宾：Nelson Lai (黎富城): 美国安心医保总裁，资深美国医疗保险和养老保险专家，美国纽约资深保险业界精英
特邀谈话嘉宾： ZeYa Sun (孙泽亚)，新加坡友邦保险金融服务顾问AIA Financial Services Consultant,Authorized Representative of AIA Singapore, 新加坡企业奖学金得主，毕业于南洋理工大学，友邦百夫长团队经理，百万圆桌会员，友邦年度精选顾问
特邀谈话嘉宾：Tiange Liu (柳天歌)，新加坡友邦保险金融服务顾问AIA Financial Services Consultant,Authorized Representative of AIA Singapore,新加坡企业奖学金得主，毕业于南洋理工大学，2020友邦年度领先顾问，友邦企业家推动计划会员
谈话嘉宾：郑皓，工程学硕士，多年投资理财爱好者，全球华人投资理财沙龙联合创始人
谈话嘉宾：Jay 朱：多年投资理财爱好者，全球华人投资理财沙龙群发起人，全球华人投资理财沙龙联合创始人
神秘特邀颁奖祝词嘉宾 1： 纽约市议员候选人，华裔政治领袖，特邀致辞开场
神秘特邀颁奖祝词嘉宾 2： 资深美国政界代表，纽约政界屡次担任要职，政治世家出身，特邀致辞开场
日期和时间
Saturday, 5/8/2021
8PM to 9:30PM (美东时间)
活动参与方式
1. 加入 Zoom 会议
https://us02web.zoom.us/j/82060887183?pwd=ekVQNHpoRTZyRXRRR3dMYldzcE8zdz09
会议号：820 6088 7183
密码：123456
手机一键拨号
+16465588656,,82060887183#,,,,*123456#美国 (New York)
+13126266799,,82060887183#,,,,*123456#美国 (Chicago)
根据您的位置拨号
+1 646 558 8656 美国 (New York)
+1 312 626 6799 美国 (Chicago)
+1 301 715 8592 美国 (Washington DC)
+1 253 215 8782 美国 (Tacoma)
+1 346 248 7799 美国 (Houston)
+1 669 900 9128 美国 (San Jose)
会议号：820 6088 7183
密码：123456
查找本地号码：https://us02web.zoom.us/u/kbT0UzT366
2． 加入Youtube 频道直播: “全球投资理财沙龙记录频道”
活动报名方式
活动前申请加入全球投资理财沙龙微信群(wechat 报名: clubadmin123，请注明你的职业，投资年限和经验) 并在以下活动登记Survey中报名
https://jinshuju.net/f/dt4wP8
OR
活动前在“全球投资理财沙龙记录频道Youtube 频道”的 “美国养老医疗保险的选择和新加坡保险的介绍 ” 任意社区帖子下留言报名
OR
活动前在Chinese American Startup Association Meetup（https://www.meetup.com/USACASA/） 相关活动页面直接登记
https://www.advisory.com/en/daily-briefing/2020/04/03/health-spending
Choose USA If Dual Eligible (Only my opinion, & it is still possible to minimize tax in the USA)
like
300,000 HQ in 1 office.
1209 North Orange St, Delaware, where 300,000 company HQ in one Office, is, Like Google, Amazon, Facebook, Coke, Ford, GE &, etc.
https://en.wikipedia.org/wiki/Corporation_Trust_Center_(CT_Corporation)
https://www.businessinsider.com/building-wilmington-delaware-largest-companies-ct-corporation-2017-4
Also, 2 major Countries where the USA has no Extradition Treaty.
Family Office vs Delaware LLC
Such Practices are not likely to change as this started back in 1913, right? Any lawyer here?
SFO vs Delaware LLC (Where Trump has 384 such LLC & is Delaware is Biden home state)
There are about 200 Single Family Offices (SFOs) in Singapore and the number has grown in recent years, Tharman Shanmugaratnam, Senior Minister and minister in charge of the Monetary Authority of Singapore (MAS), told the Singapore parliament on 5 October.
An SFO typically conducts various activities to facilitate the day-to-day management of a family’s assets. The activities involved are diverse and would include investment management, consolidation of the family’s accounts and tax filing. A simplified depiction of a typical ownership structure of a family office may be seen in the diagram below:
SFOs usually employ small teams of trusted advisors and investment professionals, and also generate indirect employment in Singapore through their engagement of external finance, tax and legal professionals for advice on wealth planning and operational matters.
Singapore is regarded as one of the most prominent financial centres in South-East Asia and has gained in popularity as a base for many high-net-worth families to manage their assets and investments globally. Singapore enjoys a reputation as a well-governed and well-regulated financial centre that offers political stability and a pro-business environment, as well as the presence of local and global private banks, investment banks and other financial service providers and professionals.
Singapore has a highly competitive tax system. The corporate tax rate of 17% is imposed on income that is either Singapore sourced or is remitted into Singapore. Singapore does not tax capital gains and the basis of taxation is further reduced by a number of exemptions. For corporate resident taxpayers, foreign dividends that have been subject to some foreign tax and are paid from a jurisdiction with a headline rate of at least 15% are exempt. Dividends paid by a Singapore resident company are exempt from further taxation. Singapore also has a large network of double taxation agreements that can reduce taxation at source on certain types of income and gains.
The Singapore government has put in place a number of tax incentives schemes for funds managed by family offices for both offshore and onshore vehicles. These require a Singapore manager that is either licensed or exempt under local securities law for providing fund management services. An SFO is typically structured as a ‘related corporation’ of the family fund vehicle so that it is exempt from regulation. An exemption from licensing can also be granted to a single-family office that can demonstrate that it only manages the assets of the same family.
Specific tax exemption incentives for funds managed by family offices are available for both Singapore resident and non-resident (offshore) fund vehicles, such that almost all investment gains will be exempt from Singapore income tax. These include:
Successful applicants under the 13R and 13X schemes will be granted employment passes (one for 13R and three for 13X), which can offer an interim solution pending permanent residency applications.
13R and 13X funds that are approved for the tax incentive scheme before 31 December 2024 can enjoy the benefits of the scheme for the life of the fund, provided that the on-going operational conditions for the entities are met.
Family offices set up under the 13R and 13X scheme can also utilise the new Variable Capital Company (VCC) structure, which came into force on 14 January 2020. A VCC can be set up as a standalone fund, or as an umbrella fund with two or more sub-funds. A VCC structure is regarded as a single company, with a single identity for tax purposes, removing the need for multiple tax returns.
Shares of a VCC are redeemable at the fund’s net asset value (NAV), and VCCs can pay dividends from the capital, which is not typically allowable in other forms of corporate vehicles. In addition, VCC shareholders register will not be publicly available, offering privacy to investors.
Alongside the 13R and 13X schemes, the Economic Development Board (EDB) of Singapore has also introduced the Global Investor Programme (GIP) for families intending to relocate to Singapore. The GIP awards Singapore Permanent Resident (PR) status to eligible global investors and includes an option that is specifically designed for family offices. Eligible investors must invest at least S$2.5 million (paid up capital) in a Singapore-based SFO that has AUM of more than S$200 million and maintain the investment for at least five years.
To qualify under this option, investors must have at least five years of entrepreneurial, investment or management track record and, as an individual or direct family, have net worth of more than S$400 million. Investors must also submit a five-year business plan outlining projected employment and annual financial expenditures, which should set out the functions of the family office, proposed investment sectors, asset types and geographical focus.
Aside from the tax exemption schemes available to the fund vehicles, family offices in Singapore could also apply for a tax incentive under the Financial Sector Incentive – Fund Management Scheme (FSI-FM) which incentivises fund management and the provision of investment advisory services in Singapore. Under this scheme, fee income derived by a Singapore fund manager from managing or advising a qualifying fund is taxed at a concessionary tax rate of 10% instead of the normal corporate tax rate of 17%.
To qualify for the FSI-FM scheme, a fund manager must hold a Capital Markets Services (CMS) licence (unless exempted by the MAS), employ at least three experienced investment professionals earning at least S$3,500 per month and have a minimum AUM of S$250 million. This is especially relevant for large family offices, where the scale of operations and the income derived from managing or advising qualifying funds could be substantial.
There are a number of administrative requirements involved in setting up an SFO, which include the registration of the corporate vehicle(s), the opening of bank accounts, preparations for annual tax reporting, and other regulatory reporting obligations, such as the Common Reporting Standards (CRS) and the Foreign Account Tax Compliance Act (FATCA).
Singapore has become a favoured destination for high-net-worth families to set up SFOs. Sovereign Management Services can assist with the process of setting up a family office and a VCC in Singapore, applying for tax incentives and assisting with the regulatory process and ongoing accounting and taxation requirements.
It varies by state, NY can be better as many people complain about Medicaid in CA.
According to the Cuomo administration’s updated financial plan, posted on Thursday (and later revised), total Medicaid spending is projected to hit $80.3 billion $82.5 billion in the fiscal year 2021, which began in April.
In the near-term, LAO estimates California will spend $22.7 billion in general funds on Medi-Cal in 2020-21. This represents a $920 million (4%) reduction in what was assumed in the 2020-21 Budget Act. This reduction is primarily due to a lower-than-expected Medi-Cal caseload growth stemming from the COVID pandemic
https://nysba.org/NYSBA/Sections/Elder/MR%20National%20Healthcare%20Decisions%20Day/SEC_ElderLaw_17%20Benefits_2016.pdf
The Door to Diamond Card. 10 years of FICA + Social Security.
If you are self-employed, you earn Social Security credits the same way employees do (one credit for each $1,470 in net earnings, but no more than four credits per year). Special rules apply if you have net annual earnings of less than $400.
A. Me
B. Not me
C. Only if it’s free
Medicare is a federal program that provides health coverage if you are 65+ or under 65 and have a disability, no matter your income.
Medicaid is a state and federal program that provides health coverage if you have a very low income.
They will work together to provide you with health coverage and lower your costs.
A. Age 0/New Born
B. 20
C. 55
D. 65
If your child is 18 or younger and does not qualify for Medicare, they may qualify for your state’s Children’s Health Insurance Program (S-CHIP). S-CHIP is a program for families with low incomes. If your child is 19 or older, they may qualify for Medicaid.
The number of credits necessary to meet the recent work test depends on your age. The rules are as follows:
The number of earnings it takes to earn credit may change each year.
In 2021, you earn one Social Security or Medicare credit for every $1,470 in covered earnings each year.
You must earn $5,880 to get a maximum of four credits for the year.
To be eligible for disability benefits, you must meet a recent work test and a duration work test.
How immigrants can be qualified for Medicare without working? Yes, it is Married related…
新/老移民如何獲取紅藍卡資格？(最早是?)
(Another Seminar maybe)
Sample Medicare Supplement Plan
*Reminder (LTC related – Skill Nursing Facility)
A. Yes
B. No
C. Maybe
** NY State only trick…
Medicare Advantage vs. Medigap. You can’t have both, so you must choose wisely … Medicare Supplement Insurance, or Medigap plans, are not connected with or … between the two forms of Medicare (or between Medicare Advantage plans)
*explain the different name of Part C
Drugs (can be complicated, but follow the money)
Briefly explain how all plans are changing
i.e.
Good Bye Rite Aid — Is Yours Closing?! We Have a List!
社安局為了確認申請人身分，會詢問五個私人問題。例如是否在一個時間段申請過信用卡，近期有無申請過房屋貸款等。
More tips on our #Youtube Channel (Click here)
Welcome to Medicare
You pay nothing for the “Welcome to Medicare” preventive visit if your doctor or other qualified health care provider accepts the assignment.
The Part B deductible doesn’t apply.
Note
Your doctor or other health care provider may recommend you get services more often than Medicare covers. Or, they may recommend services that Medicare doesn’t cover. If this happens, you may have to pay some or all of the costs. Ask questions so you understand why your doctor is recommending certain services and whether Medicare will pay for them.
This visit includes a review of your medical and social history related to your health and education and counseling about preventive services, including these:
When you make your appointment, let your doctor’s office know you would like to schedule your “Welcome to Medicare” preventive visit. Bring the following to your visit:
這是我們為什麼今天舉行演講會的原因。
**吳先生的例子，費用從$44到$700+
| Selected drugs | Retail cost | Cost before deductible | Cost after deductible | Cost in coverage gap | Cost after coverage gap |
|---|---|---|---|---|---|
| Atorvastatin 10mg tablet | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Glimepiride 2mg tablet | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Invokana 300mg tablet | $1,633.87 | $131.00 | $131.00 | $408.47 | $81.69 |
| Metformin hydrochloride 850mg tablet | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Olmesartan medoxomil 20mg tablet | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Monthly totals | $1,633.87 | $131.00 | $131.00 | $408.47 | $81.69 |
Did you know that if you’re unhappy with your Medicare Advantage Plan (Medicare Part C), you have options? Each year, there’s a Medicare Advantage Open Enrollment Period from January 1 – March 31. During this time, if you’re in a Medicare Advantage Plan and want to change your health plan, you can do one of these:
(Please call us… Too complicated)
Table of Contents
The table in the following pages explains when a Special Enrollment Period may apply to you, how long each SEP lasts,
and when your new coverage will begin. If you qualify for different SEPs at the same time, pick the one that is most
convenient for your circumstances.
1. You have creditable drug coverage or lose creditable coverage through no fault of your own
2. You choose to change employer/union coverage (through either current or past employment)
3. You are institutionalized
4. You are enrolled in a State Pharmaceutical Assistance Program (SPAP)
5. You have Extra Help, Medicaid, or a Medicare Savings Program (MSP)
6. You gain, lose, or have a change in your Medicaid, MSP, or Extra Help eligibility status
7. You want to disenroll from your first Medicare Advantage Plan
8. You enroll in/disenroll from PACE (Program of All-Inclusive Care for the Elderly)
9. You move (permanently change your home address)
10. You have had Medicare eligibility issues
11. You are eligible for a Special Needs Plan (SNP) or lose eligibility for your SNP
12. You are passively enrolled into a Part D plan or Dual-eligible SNP (D-SNP)
13. You experience contract violations or enrollment errors
14. Your plan no longer offers coverage
15. You disenroll from your Medicare Advantage Plan during the Medicare Advantage Open Enrollment Period
16. You qualify for a new Part D Initial Enrollment Period when you turn 65
17. You want to enroll in a five-star Medicare Advantage Plan or Part D plan
18. You have been in a consistently low-performing Medicare Advantage or Part D plan
19. Your Medicare Advantage Plan terminates a significant amount of its network providers
20. You experience an “exceptional circumstance