<?xml version="1.0" encoding="UTF-8"?><rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	>
<channel>
	<title>English &#8211; Credit Counselling Singapore</title>
	<atom:link href="https://iassessment.ccs.org.sg/tag/english/feed/" rel="self" type="application/rss+xml" />
	<link>https://iassessment.ccs.org.sg</link>
	<description>A Trusted Credit Counselling Social Service Agency</description>
	<lastBuildDate>Fri, 14 Nov 2025 08:50:26 +0000</lastBuildDate>
	<language>en-US</language>
	<sy:updatePeriod>
	hourly	</sy:updatePeriod>
	<sy:updateFrequency>
	1	</sy:updateFrequency>
	<generator>https://wordpress.org/?v=6.2.2</generator>
	<item>
		<title>DMP Onboarding (27 Jan 2026)</title>
		<link>https://iassessment.ccs.org.sg/events/onboarding-260127/</link>
		
		<dc:creator><![CDATA[admin]]></dc:creator>
		<pubDate>Fri, 14 Nov 2025 08:50:26 +0000</pubDate>
				<category><![CDATA[Consumer Debt Management]]></category>
		<category><![CDATA[English]]></category>
		<guid isPermaLink="false">https://ccs.org.sg/?post_type=mec-events&#038;p=44461</guid>
					<description><![CDATA[Attend this webinar to find out how you can get started on your Debt Management Programme (DMP) on the right footing. Be familiar with what to expect in the weeks following the approval of your DMP by your creditors, how to make your first monthly instalment payments and the records that you are expected to keep. During the session, we will also share tips and pointers on managing your money the better way so that you can complete your DMP journey successfully. After successful registration, you will receive a confirmation email with a link to join this Zoom webinar. To join the webinar, click on the joining link provided in the event confirmation email 10 minutes before the scheduled start time of the webinar. You may need to check your Spam or Junk mailbox for the email.  Please inform education@iassessment.ccs.org.sg if you did not receive the event confirmation email at least 1 week before the webinar. When you click on the link, no Webinar ID or Passcode are required. During the webinar, 1.   You may use a nickname and may remain anonymous throughout the session. 2.   Your microphone, video and chat functions, are disabled. 3.   List of participants is not publicly visible. 4.   You may use the Q&#38;A function to type in questions anonymously. Thank you.]]></description>
										<content:encoded><![CDATA[<p><span style="font-size: 14pt;color: #000000">Attend this webinar to find out how you can get started on your Debt Management Programme (DMP) on the right footing.</span></p>
<p><span style="font-size: 14pt;color: #000000">Be familiar with what to expect in the weeks following the approval of your DMP by your creditors, how to make your first monthly instalment payments and the records that you are expected to keep. During the session, we will also share tips and pointers on managing your money the better way so that you can complete your DMP journey <em>successfully</em>.</span></p>
<hr />
<p><span style="color: #000000;font-size: 14pt">After successful registration, you will receive a confirmation email with a link to join this Zoom webinar.</span></p>
<p><span style="font-size: 14pt"><span style="color: #000000">To join the webinar, click on the joining link provided in the event confirmation email 10 minutes before the scheduled start time of the webinar. </span><span style="color: #000000">You may need to check your Spam or Junk mailbox for the email.  Please inform <strong><a href="mailto:education@iassessment.ccs.org.sg">education@iassessment.ccs.org.sg</a></strong> if you did not receive the event confirmation email at least 1 week before the webinar.</span></span></p>
<p><span style="font-size: 14pt">When you click on the link, no Webinar ID or Passcode are required.</span></p>
<p><span style="color: #000000;font-size: 14pt">During the webinar,</span></p>
<p style="padding-left: 40px"><span style="color: #000000;font-size: 14pt">1.   You may use a nickname and may remain anonymous throughout the session.</span></p>
<p style="padding-left: 40px"><span style="color: #000000;font-size: 14pt">2.   Your microphone, video and chat functions, are disabled.</span></p>
<p style="padding-left: 40px"><span style="color: #000000;font-size: 14pt">3.   List of participants is not publicly visible.</span></p>
<p style="padding-left: 40px"><span style="color: #000000;font-size: 14pt">4.   You may use the Q&amp;A function to type in questions anonymously.</span></p>
<p><span style="color: #000000;font-size: 14pt">Thank you.</span></p>
]]></content:encoded>
					
		
		
			</item>
		<item>
		<title>DMP Onboarding (6 Jan 2026)</title>
		<link>https://iassessment.ccs.org.sg/events/onboarding-260106/</link>
		
		<dc:creator><![CDATA[admin]]></dc:creator>
		<pubDate>Fri, 14 Nov 2025 08:48:25 +0000</pubDate>
				<category><![CDATA[Consumer Debt Management]]></category>
		<category><![CDATA[English]]></category>
		<guid isPermaLink="false">https://ccs.org.sg/?post_type=mec-events&#038;p=44459</guid>
					<description><![CDATA[Attend this webinar to find out how you can get started on your Debt Management Programme (DMP) on the right footing. Be familiar with what to expect in the weeks following the approval of your DMP by your creditors, how to make your first monthly instalment payments and the records that you are expected to keep. During the session, we will also share tips and pointers on managing your money the better way so that you can complete your DMP journey successfully. After successful registration, you will receive a confirmation email with a link to join this Zoom webinar. To join the webinar, click on the joining link provided in the event confirmation email 10 minutes before the scheduled start time of the webinar. You may need to check your Spam or Junk mailbox for the email.  Please inform education@iassessment.ccs.org.sg if you did not receive the event confirmation email at least 1 week before the webinar. When you click on the link, no Webinar ID or Passcode are required. During the webinar, 1.   You may use a nickname and may remain anonymous throughout the session. 2.   Your microphone, video and chat functions, are disabled. 3.   List of participants is not publicly visible. 4.   You may use the Q&#38;A function to type in questions anonymously. Thank you.]]></description>
										<content:encoded><![CDATA[<p><span style="font-size: 14pt;color: #000000">Attend this webinar to find out how you can get started on your Debt Management Programme (DMP) on the right footing.</span></p>
<p><span style="font-size: 14pt;color: #000000">Be familiar with what to expect in the weeks following the approval of your DMP by your creditors, how to make your first monthly instalment payments and the records that you are expected to keep. During the session, we will also share tips and pointers on managing your money the better way so that you can complete your DMP journey <em>successfully</em>.</span></p>
<hr />
<p><span style="color: #000000;font-size: 14pt">After successful registration, you will receive a confirmation email with a link to join this Zoom webinar.</span></p>
<p><span style="font-size: 14pt"><span style="color: #000000">To join the webinar, click on the joining link provided in the event confirmation email 10 minutes before the scheduled start time of the webinar. </span><span style="color: #000000">You may need to check your Spam or Junk mailbox for the email.  Please inform <strong><a href="mailto:education@iassessment.ccs.org.sg">education@iassessment.ccs.org.sg</a></strong> if you did not receive the event confirmation email at least 1 week before the webinar.</span></span></p>
<p><span style="font-size: 14pt">When you click on the link, no Webinar ID or Passcode are required.</span></p>
<p><span style="color: #000000;font-size: 14pt">During the webinar,</span></p>
<p style="padding-left: 40px"><span style="color: #000000;font-size: 14pt">1.   You may use a nickname and may remain anonymous throughout the session.</span></p>
<p style="padding-left: 40px"><span style="color: #000000;font-size: 14pt">2.   Your microphone, video and chat functions, are disabled.</span></p>
<p style="padding-left: 40px"><span style="color: #000000;font-size: 14pt">3.   List of participants is not publicly visible.</span></p>
<p style="padding-left: 40px"><span style="color: #000000;font-size: 14pt">4.   You may use the Q&amp;A function to type in questions anonymously.</span></p>
<p><span style="color: #000000;font-size: 14pt">Thank you.</span></p>
]]></content:encoded>
					
		
		
			</item>
		<item>
		<title>Consumer Debt Management Talk (10 Dec 2025)</title>
		<link>https://iassessment.ccs.org.sg/events/debt-talk-251210/</link>
		
		<dc:creator><![CDATA[admin]]></dc:creator>
		<pubDate>Fri, 14 Nov 2025 07:50:04 +0000</pubDate>
				<category><![CDATA[Consumer Debt Management]]></category>
		<category><![CDATA[English]]></category>
		<guid isPermaLink="false">https://ccs.org.sg/?post_type=mec-events&#038;p=43863</guid>
					<description><![CDATA[Attend our consumer debt management talk to find out how you can address an unsecured debt problem, what are the do's and dont's when dealing with creditors and what common collection actions creditors take to recover money owed. Find out more about our CCS Debt Management Programme (DMP) and how to arrange for an appointment with our Credit Counsellors. This talk is only conducted in person at CCS premises located at  CCS Seminar Room 51 Cuppage Road, #07-06 Singapore 229469 Should you wish to attend the online Zoom webinar (conducted on alternate Saturdays), please click here for the schedule and select "Debt Management Webinar". After successful registration, you will receive a confirmation email. Please arrive 10 minutes before the scheduled start time of the talk. The door will be closed and the talk will begin at 7.30 pm sharp. You may need to check your Spam or Junk mailbox for the event confirmation email. Please email to education@iassessment.ccs.org.sg if you did not receive the event confirmation email. (1 week before the commencement of the talk)]]></description>
										<content:encoded><![CDATA[<p><span style="color: #000000;font-size: 14pt">Attend our consumer debt management talk to find out how you can address an unsecured debt problem, what are the do's and dont's when dealing with creditors and what common collection actions creditors take to recover money owed.</span></p>
<p><span style="color: #000000;font-size: 14pt"> Find out more about our CCS Debt Management Programme (DMP) and how to arrange for an appointment with our Credit Counsellors.</span></p>
<p><span style="color: #000000;font-size: 14pt">This talk is only conducted <span style="text-decoration: underline"><strong>in person</strong></span> at CCS premises located at </span></p>
<p style="padding-left: 40px"><span style="color: #000000;font-size: 14pt">CCS Seminar Room</span><br />
<span style="color: #000000;font-size: 14pt">51 Cuppage Road, <strong>#07-06</strong></span><br />
<span style="color: #000000;font-size: 14pt">Singapore 229469</span></p>
<p><span style="font-size: 14pt"><strong>Should you wish to attend the online Zoom webinar (conducted on alternate Saturdays), </strong><strong><a href="https://iassessment.ccs.org.sg/consumer/debt-management/">please click here for the schedule</a> and select "Debt Management Webinar".</strong></span></p>
<hr />
<p><strong><span style="font-size: 14pt">After successful registration, you will receive a confirmation email. Please arrive 10 minutes before the scheduled start time of the talk. The door will be closed and the talk will begin at 7.30 pm sharp.</span></strong></p>
<p><span style="font-size: 14pt;color: #000000"><strong>You may need to check your Spam or Junk mailbox for the event confirmation email.</strong></span></p>
<p><strong><span style="font-size: 14pt;color: #000000">Please email to <span style="font-size: 14pt"><a href="mailto:education@iassessment.ccs.org.sg">education@iassessment.ccs.org.sg</a></span> if you did not receive the event confirmation email. (1 week before the commencement of the talk)</span></strong></p>
]]></content:encoded>
					
		
		
			</item>
		<item>
		<title>退休 - 您已经为退休生活的财务需求做好了准备吗? (7 Mar 2026)</title>
		<link>https://iassessment.ccs.org.sg/events/crp-260307/</link>
		
		<dc:creator><![CDATA[Chew Ai Mei]]></dc:creator>
		<pubDate>Tue, 11 Nov 2025 06:58:52 +0000</pubDate>
				<category><![CDATA[English]]></category>
		<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[National Silver Academy]]></category>
		<category><![CDATA[Public]]></category>
		<guid isPermaLink="false">https://ccs.org.sg/?post_type=mec-events&#038;p=44317</guid>
					<description><![CDATA[通过此工作坊的实用课程, 提升您的退休财务准备。学习如何评估您当前的财务概况，估算退休收入和支出，了解能够提供额外支持的关键政府计划。有了这些意识，您可以自信地做出明智的决策，朝着更安全、更自立的退休生活迈进。 地点: 51 Cuppage Road #07-01, Singapore 229469. 日期: Saturday, 7 March 2026 时间: 1:00 pm to 5:30 pm 课程费用: $46.40 *包含消费税，适用于50岁及以上的新加坡公民和永久居民，已扣除全国乐龄学苑补贴. 课程费用可现金支付或使用技能创前程培训补助 (SkillsFuture Credit). &#160; 本课程由新加坡信贷辅导服务 (CCS) 主办，作为全国乐龄学苑的一部分，促进乐龄人士终身学习，以保持其思维活跃和社会参与,　让晚年更精彩。]]></description>
										<content:encoded><![CDATA[<p data-key="157"><span style="font-size: 14pt;color: #000000">通过此工作坊的实用课程, 提升您的退休财务准备。学习如何评估您当前的财务概况，估算退休收入和支出，了解能够提供额外支持的关键政府计划。有了这些意识，您可以自信地做出明智的决策，朝着更安全、更自立的退休生活迈进。</span></p>
<p data-key="157"><span style="font-size: 14pt;color: #000000"><strong>地点</strong>: 51 Cuppage Road #07-01, Singapore 229469.</span></p>
<p><span style="font-size: 14pt;color: #000000"><strong>日期</strong>:<strong> Saturday, 7 March 2026</strong></span></p>
<p><span style="font-size: 14pt;color: #000000"><strong>时间</strong>:<strong> 1:00 pm to 5:30 pm</strong></span></p>
<p><span style="color: #000000"><span style="font-size: 14pt"><strong>课程费用</strong>: $46.40<br />
</span><span style="font-size: 14pt">*包含消费税，适用于50岁及以上的新加坡公民和永久居民，已扣除全国乐龄学苑补贴.</span></span></p>
<p><span style="font-size: 14pt;color: #000000"><strong>课程费用可现金支付或使用技能创前程培训补助 (SkillsFuture Credit).</strong></span></p>
<p>&nbsp;</p>
<p><span style="font-size: 14pt;color: #000000">本课程由新加坡信贷辅导服务 (CCS) 主办，作为全国乐龄学苑的一部分，促进乐龄人士终身学习，以保持其思维活跃和社会参与,　让晚年更精彩。</span></p>
<hr />
<p><span style="color: #000000"><div class="frm_forms  with_frm_style frm_style_big-text" id="frm_form_87_container" data-token="702cfc7196e81209e82c4436e849e5e6">
<form enctype="multipart/form-data" method="post" class="frm-show-form  frm_js_validate  frm_pro_form " id="form_nsa-crp-260307" data-token="702cfc7196e81209e82c4436e849e5e6">
<div class="frm_form_fields ">
<fieldset>
<legend class="frm_screen_reader">NSA Course RAYFR Chn (7 Mar 2026)</legend>

<div class="frm_fields_container">
<input type="hidden" name="frm_action" value="create" />
<input type="hidden" name="form_id" value="87" />
<input type="hidden" name="frm_hide_fields_87" id="frm_hide_fields_87" value="" />
<input type="hidden" name="form_key" value="nsa-crp-260307" />
<input type="hidden" name="item_meta[0]" value="" />
<input type="hidden" id="frm_submit_entry_87" name="frm_submit_entry_87" value="cafdaf514d" /><input type="hidden" name="_wp_http_referer" value="/tag/english/feed/" /><div id="frm_field_1528_container" class="frm_form_field  frm12 frm_html_container form-field">
<p><span style="font-size: 14pt; color: #000000;"><strong>Course Registration Form</strong></span></p>
</div>
<input type="hidden" name="item_meta[1529]" id="field_jgu213" value="退休 – 您已经为退休生活的财务需求做好了准备吗?（中文）(Retirement - Are You Financially Ready)"  data-frmval="退休 – 您已经为退休生活的财务需求做好了准备吗?（中文）(Retirement - Are You Financially Ready)"   />
<input type="hidden" name="item_meta[1530]" id="field_9vi143" value="2026年3月7日，星期六，下午1:00至5:30 (Sat, 7 Mar 2026, 1:00 pm to 5:30 pm)"  data-frmval="2026年3月7日，星期六，下午1:00至5:30 (Sat, 7 Mar 2026, 1:00 pm to 5:30 pm)"   />
<input type="hidden" name="item_meta[1531]" id="field_qkybe4" value=""     />
<div id="frm_field_1532_container" class="frm_form_field  frm_first frm_html_container form-field">
<p><span style="font-size: 14pt; color: #000000;"><strong>Learner's Particulars</strong></span></p>
</div>
<div id="frm_field_1533_container" class="frm_form_field form-field  frm_required_field frm_top_container frm_first frm_half">
    <label for="field_fkp833" id="field_fkp833_label" class="frm_primary_label">Full Name
        <span class="frm_required">*</span>
    </label>
    <input type="text" id="field_fkp833" name="item_meta[1533]" value=""  maxlength="75" data-reqmsg="Full Name cannot be blank." aria-required="true" data-invmsg="Text is invalid" aria-invalid="false"   aria-describedby="frm_desc_field_fkp833"/>
    <div class="frm_description" id="frm_desc_field_fkp833">According to your NRIC</div>
    
</div>
<div id="frm_field_1534_container" class="frm_form_field form-field  frm_required_field frm_top_container frm_first frm_half">
    <label for="field_6y83u33" id="field_6y83u33_label" class="frm_primary_label">Citizenship
        <span class="frm_required">*</span>
    </label>
    		<select name="item_meta[1534]" id="field_6y83u33"  data-placeholder="Please select"  placeholder="Please select" data-reqmsg="Citizenship cannot be blank." aria-required="true" data-invmsg="Citizenship is invalid" aria-invalid="false"  >
		<option  class="frm-select-placeholder" value="" data-placeholder="true">Please select</option><option  value="Singapore Citizen">Singapore Citizen</option><option  value="Permanent Resident">Permanent Resident</option><option  value="Others">Others</option>	</select>
	
    
    
</div>
<div id="frm_field_1535_container" class="frm_form_field form-field  frm_required_field frm_top_container frm_third">
    <label for="field_kvbev33" id="field_kvbev33_label" class="frm_primary_label">Other Citizenship
        <span class="frm_required">*</span>
    </label>
    		<select name="item_meta[1535]" id="field_kvbev33"  data-placeholder="Please select"  placeholder="Please select" data-reqmsg="Other Citizenship cannot be blank." aria-required="true" data-invmsg="Other Citizenship is invalid" aria-invalid="false"  >
		<option  class="frm-select-placeholder" value="" data-placeholder="true">Please select</option><option  value="Afghanistan">Afghanistan</option><option  value="Aland Islands">Aland Islands</option><option  value="Albania">Albania</option><option  value="Algeria">Algeria</option><option  value="American Samoa">American Samoa</option><option  value="Andorra">Andorra</option><option  value="Angola">Angola</option><option  value="Anguilla">Anguilla</option><option  value="Antarctica">Antarctica</option><option  value="Antigua and Barbuda">Antigua and Barbuda</option><option  value="Argentina">Argentina</option><option  value="Armenia">Armenia</option><option  value="Aruba">Aruba</option><option  value="Australia">Australia</option><option  value="Austria">Austria</option><option  value="Azerbaijan">Azerbaijan</option><option  value="Bahamas">Bahamas</option><option  value="Bahrain">Bahrain</option><option  value="Bangladesh">Bangladesh</option><option  value="Barbados">Barbados</option><option  value="Belarus">Belarus</option><option  value="Belgium">Belgium</option><option  value="Belize">Belize</option><option  value="Benin">Benin</option><option  value="Bermuda">Bermuda</option><option  value="Bhutan">Bhutan</option><option  value="Bolivia">Bolivia</option><option  value="Bonaire, Sint Eustatius and Saba">Bonaire, Sint Eustatius and Saba</option><option  value="Bosnia and Herzegovina">Bosnia and Herzegovina</option><option  value="Botswana">Botswana</option><option  value="Bouvet Island">Bouvet Island</option><option  value="Brazil">Brazil</option><option  value="British Indian Ocean Territory">British Indian Ocean Territory</option><option  value="Brunei">Brunei</option><option  value="Bulgaria">Bulgaria</option><option  value="Burkina Faso">Burkina Faso</option><option  value="Burundi">Burundi</option><option  value="Cambodia">Cambodia</option><option  value="Cameroon">Cameroon</option><option  value="Canada">Canada</option><option  value="Cape Verde">Cape Verde</option><option  value="Cayman Islands">Cayman Islands</option><option  value="Central African Republic">Central African Republic</option><option  value="Chad">Chad</option><option  value="Chile">Chile</option><option  value="China">China</option><option  value="Christmas Island">Christmas Island</option><option  value="Côte d&#039;Ivoire">Côte d&#039;Ivoire</option><option  value="Cocos (Keeling) Islands">Cocos (Keeling) Islands</option><option  value="Colombia">Colombia</option><option  value="Comoros">Comoros</option><option  value="Congo">Congo</option><option  value="Cook Islands">Cook Islands</option><option  value="Costa Rica">Costa Rica</option><option  value="Croatia">Croatia</option><option  value="Cuba">Cuba</option><option  value="Curacao">Curacao</option><option  value="Cyprus">Cyprus</option><option  value="Czech Republic">Czech Republic</option><option  value="Denmark">Denmark</option><option  value="Djibouti">Djibouti</option><option  value="Dominica">Dominica</option><option  value="Dominican Republic">Dominican Republic</option><option  value="East Timor">East Timor</option><option  value="Ecuador">Ecuador</option><option  value="Egypt">Egypt</option><option  value="El Salvador">El Salvador</option><option  value="Equatorial Guinea">Equatorial Guinea</option><option  value="Eritrea">Eritrea</option><option  value="Estonia">Estonia</option><option  value="Ethiopia">Ethiopia</option><option  value="Falkland Islands (Malvinas)">Falkland Islands (Malvinas)</option><option  value="Faroe Islands">Faroe Islands</option><option  value="Fiji">Fiji</option><option  value="Finland">Finland</option><option  value="France">France</option><option  value="French Guiana">French Guiana</option><option  value="French Polynesia">French Polynesia</option><option  value="French Southern Territories">French Southern Territories</option><option  value="Gabon">Gabon</option><option  value="Gambia">Gambia</option><option  value="Georgia">Georgia</option><option  value="Germany">Germany</option><option  value="Ghana">Ghana</option><option  value="Gibraltar">Gibraltar</option><option  value="Greece">Greece</option><option  value="Greenland">Greenland</option><option  value="Grenada">Grenada</option><option  value="Guadeloupe">Guadeloupe</option><option  value="Guam">Guam</option><option  value="Guatemala">Guatemala</option><option  value="Guernsey">Guernsey</option><option  value="Guinea">Guinea</option><option  value="Guinea-Bissau">Guinea-Bissau</option><option  value="Guyana">Guyana</option><option  value="Haiti">Haiti</option><option  value="Heard Island and McDonald Islands">Heard Island and McDonald Islands</option><option  value="Holy See">Holy See</option><option  value="Honduras">Honduras</option><option  value="Hong Kong">Hong Kong</option><option  value="Hungary">Hungary</option><option  value="Iceland">Iceland</option><option  value="India">India</option><option  value="Indonesia">Indonesia</option><option  value="Iran">Iran</option><option  value="Iraq">Iraq</option><option  value="Ireland">Ireland</option><option  value="Isle of Man">Isle of Man</option><option  value="Israel">Israel</option><option  value="Italy">Italy</option><option  value="Jamaica">Jamaica</option><option  value="Japan">Japan</option><option  value="Jersey">Jersey</option><option  value="Jordan">Jordan</option><option  value="Kazakhstan">Kazakhstan</option><option  value="Kenya">Kenya</option><option  value="Kiribati">Kiribati</option><option  value="Kosovo">Kosovo</option><option  value="Kuwait">Kuwait</option><option  value="Kyrgyzstan">Kyrgyzstan</option><option  value="Laos">Laos</option><option  value="Latvia">Latvia</option><option  value="Lebanon">Lebanon</option><option  value="Lesotho">Lesotho</option><option  value="Liberia">Liberia</option><option  value="Libya">Libya</option><option  value="Liechtenstein">Liechtenstein</option><option  value="Lithuania">Lithuania</option><option  value="Luxembourg">Luxembourg</option><option  value="Macao">Macao</option><option  value="Macedonia">Macedonia</option><option  value="Madagascar">Madagascar</option><option  value="Malawi">Malawi</option><option  value="Malaysia">Malaysia</option><option  value="Maldives">Maldives</option><option  value="Mali">Mali</option><option  value="Malta">Malta</option><option  value="Marshall Islands">Marshall Islands</option><option  value="Martinique">Martinique</option><option  value="Mauritania">Mauritania</option><option  value="Mauritius">Mauritius</option><option  value="Mayotte">Mayotte</option><option  value="Mexico">Mexico</option><option  value="Micronesia">Micronesia</option><option  value="Moldova">Moldova</option><option  value="Monaco">Monaco</option><option  value="Mongolia">Mongolia</option><option  value="Montenegro">Montenegro</option><option  value="Montserrat">Montserrat</option><option  value="Morocco">Morocco</option><option  value="Mozambique">Mozambique</option><option  value="Myanmar">Myanmar</option><option  value="Namibia">Namibia</option><option  value="Nauru">Nauru</option><option  value="Nepal">Nepal</option><option  value="Netherlands">Netherlands</option><option  value="New Caledonia">New Caledonia</option><option  value="New Zealand">New Zealand</option><option  value="Nicaragua">Nicaragua</option><option  value="Niger">Niger</option><option  value="Nigeria">Nigeria</option><option  value="Niue">Niue</option><option  value="Norfolk Island">Norfolk Island</option><option  value="Northern Mariana Islands">Northern Mariana Islands</option><option  value="North Korea">North Korea</option><option  value="Norway">Norway</option><option  value="Oman">Oman</option><option  value="Pakistan">Pakistan</option><option  value="Palau">Palau</option><option  value="Palestine">Palestine</option><option  value="Panama">Panama</option><option  value="Papua New Guinea">Papua New Guinea</option><option  value="Paraguay">Paraguay</option><option  value="Peru">Peru</option><option  value="Philippines">Philippines</option><option  value="Pitcairn">Pitcairn</option><option  value="Poland">Poland</option><option  value="Portugal">Portugal</option><option  value="Puerto Rico">Puerto Rico</option><option  value="Qatar">Qatar</option><option  value="Reunion">Reunion</option><option  value="Romania">Romania</option><option  value="Russia">Russia</option><option  value="Rwanda">Rwanda</option><option  value="Saint Barthelemy">Saint Barthelemy</option><option  value="Saint Helena, Ascension and Tristan da Cunha">Saint Helena, Ascension and Tristan da Cunha</option><option  value="Saint Kitts and Nevis">Saint Kitts and Nevis</option><option  value="Saint Lucia">Saint Lucia</option><option  value="Saint Martin (French part)">Saint Martin (French part)</option><option  value="Saint Pierre and Miquelon">Saint Pierre and Miquelon</option><option  value="Saint Vincent and the Grenadines">Saint Vincent and the Grenadines</option><option  value="Samoa">Samoa</option><option  value="San Marino">San Marino</option><option  value="Sao Tome and Principe">Sao Tome and Principe</option><option  value="Saudi Arabia">Saudi Arabia</option><option  value="Senegal">Senegal</option><option  value="Serbia">Serbia</option><option  value="Seychelles">Seychelles</option><option  value="Sierra Leone">Sierra Leone</option><option  value="Singapore">Singapore</option><option  value="Sint Maarten (Dutch part)">Sint Maarten (Dutch part)</option><option  value="Slovakia">Slovakia</option><option  value="Slovenia">Slovenia</option><option  value="Solomon Islands">Solomon Islands</option><option  value="Somalia">Somalia</option><option  value="South Africa">South Africa</option><option  value="South Georgia and the South Sandwich Islands">South Georgia and the South Sandwich Islands</option><option  value="South Korea">South Korea</option><option  value="South Sudan">South Sudan</option><option  value="Spain">Spain</option><option  value="Sri Lanka">Sri Lanka</option><option  value="Sudan">Sudan</option><option  value="Suriname">Suriname</option><option  value="Svalbard and Jan Mayen">Svalbard and Jan Mayen</option><option  value="Swaziland">Swaziland</option><option  value="Sweden">Sweden</option><option  value="Switzerland">Switzerland</option><option  value="Syria">Syria</option><option  value="Taiwan">Taiwan</option><option  value="Tajikistan">Tajikistan</option><option  value="Tanzania">Tanzania</option><option  value="Thailand">Thailand</option><option  value="Timor-Leste">Timor-Leste</option><option  value="Togo">Togo</option><option  value="Tokelau">Tokelau</option><option  value="Tonga">Tonga</option><option  value="Trinidad and Tobago">Trinidad and Tobago</option><option  value="Tunisia">Tunisia</option><option  value="Turkey">Turkey</option><option  value="Turkmenistan">Turkmenistan</option><option  value="Turks and Caicos Islands">Turks and Caicos Islands</option><option  value="Tuvalu">Tuvalu</option><option  value="Uganda">Uganda</option><option  value="Ukraine">Ukraine</option><option  value="United Arab Emirates">United Arab Emirates</option><option  value="United Kingdom">United Kingdom</option><option  value="United States">United States</option><option  value="United States Minor Outlying Islands">United States Minor Outlying Islands</option><option  value="Uruguay">Uruguay</option><option  value="Uzbekistan">Uzbekistan</option><option  value="Vanuatu">Vanuatu</option><option  value="Vatican City">Vatican City</option><option  value="Venezuela">Venezuela</option><option  value="Vietnam">Vietnam</option><option  value="Virgin Islands, British">Virgin Islands, British</option><option  value="Virgin Islands, U.S.">Virgin Islands, U.S.</option><option  value="Wallis and Futuna">Wallis and Futuna</option><option  value="Western Sahara">Western Sahara</option><option  value="Yemen">Yemen</option><option  value="Zambia">Zambia</option><option  value="Zimbabwe">Zimbabwe</option>	</select>
	
    
    
</div>
<div id="frm_field_1536_container" class="frm_form_field form-field  frm_required_field frm_top_container frm_first frm_half">
    <label for="field_9n2xb33" id="field_9n2xb33_label" class="frm_primary_label">NRIC
        <span class="frm_required">*</span>
    </label>
    <input type="text" id="field_9n2xb33" name="item_meta[1536]" value=""  maxlength="9" placeholder="SxxxxxxxA" data-reqmsg="NRIC cannot be blank." aria-required="true" data-invmsg="Text is invalid" aria-invalid="false"   aria-describedby="frm_desc_field_9n2xb33"/>
    <div class="frm_description" id="frm_desc_field_9n2xb33">Format SxxxxxxxA</div>
    
</div>
<div id="frm_field_1537_container" class="frm_form_field form-field  frm_required_field frm_top_container frm_first frm_half">
    <label for="field_ylm333" id="field_ylm333_label" class="frm_primary_label">Date of Birth
        <span class="frm_required">*</span>
    </label>
    <input type="text" id="field_ylm333" name="item_meta[1537]" value=""  maxlength="10" placeholder="dd/mm/yyyy" data-reqmsg="Date of Birth cannot be blank." aria-required="true" data-invmsg="Date is invalid" class="frm_date" aria-invalid="false"  />
    
    
</div>
<div id="frm_field_1538_container" class="frm_form_field form-field  frm_top_container frm_fourth">
    <label for="field_rjnhy33" id="field_rjnhy33_label" class="frm_primary_label">Age
        <span class="frm_required"></span>
    </label>
    <input type="number" id="field_rjnhy33" name="item_meta[1538]" value=""  readonly="readonly"  data-invmsg="Number is invalid" aria-invalid="false"   min="0" max="9999999" step="any"/>
    
    
</div>
<div id="frm_field_1539_container" class="frm_form_field form-field  frm_required_field frm_top_container frm_first frm_third">
    <div id="field_q30pd33_label" class="frm_primary_label">Gender
        <span class="frm_required">*</span>
    </div>
    <div class="frm_opt_container" role="group">		<select name="item_meta[1539]" id="field_q30pd33"  data-placeholder="Please select"  placeholder="Please select" data-reqmsg="Gender cannot be blank." aria-required="true" data-invmsg="Gender is invalid" aria-invalid="false"  >
		<option  class="frm-select-placeholder" value="" data-placeholder="true">Please select</option><option  value="Female">Female</option><option  value="Male">Male</option>	</select>
	</div>
    
    
</div>
<div id="frm_field_1540_container" class="frm_form_field form-field  frm_required_field frm_top_container frm_first frm_third">
    <label for="field_w7ieo33" id="field_w7ieo33_label" class="frm_primary_label">Race
        <span class="frm_required">*</span>
    </label>
    		<select name="item_meta[1540]" id="field_w7ieo33"  data-placeholder="Please select"  placeholder="Please select" data-reqmsg="Race cannot be blank." aria-required="true" data-invmsg="Race is invalid" aria-invalid="false"  >
		<option  class="frm-select-placeholder" value="" data-placeholder="true">Please select</option><option  value="Chinese">Chinese</option><option  value="Malay">Malay</option><option  value="Indian">Indian</option><option  value="Eurasian">Eurasian</option><option  value="Other">Other</option>	</select>
	
    
    
</div>
<div id="frm_field_1541_container" class="frm_form_field form-field  frm_required_field frm_top_container frm_first frm_half">
    <label for="field_unane33" id="field_unane33_label" class="frm_primary_label">Highest Academic Qualification
        <span class="frm_required">*</span>
    </label>
    		<select name="item_meta[1541]" id="field_unane33"  data-placeholder="Please select"  placeholder="Please select" data-reqmsg="Highest Academic Qualification cannot be blank." aria-required="true" data-invmsg="Highest Academic Qualification is invalid" aria-invalid="false"  >
		<option  class="frm-select-placeholder" value="" data-placeholder="true">Please select</option><option  value="Primary">Primary</option><option  value="ITE">ITE</option><option  value="O Level">O Level</option><option  value="A Level">A Level</option><option  value="Diploma">Diploma</option><option  value="Degree and above">Degree and above</option>	</select>
	
    
    
</div>
<div id="frm_field_1542_container" class="frm_form_field form-field  frm_required_field frm_top_container frm_first frm_half">
    <div id="field_wqe1433_label" class="frm_primary_label">Current Employment Status
        <span class="frm_required">*</span>
    </div>
    <div class="frm_opt_container" role="group">		<select name="item_meta[1542]" id="field_wqe1433"  data-placeholder="Please select"  placeholder="Please select" data-reqmsg="Current Employment Status cannot be blank." aria-required="true" data-invmsg="Current Employment Status is invalid" aria-invalid="false"  >
		<option  class="frm-select-placeholder" value="" data-placeholder="true">Please select</option><option  value="Employed (full-time)">Employed (full-time)</option><option  value="Employed (part-time)">Employed (part-time)</option><option  value="Self-employed">Self-employed</option><option  value="Not working (homemaker)">Not working (homemaker)</option><option  value="Not working (unemployed)">Not working (unemployed)</option><option  value="Retired">Retired</option>	</select>
	</div>
    
    
</div>
<div id="frm_field_1543_container" class="frm_form_field form-field  frm_required_field frm_top_container frm_first frm_half vertical_radio">
    <div id="field_5m1ug33_label" class="frm_primary_label">Preferred mode of payment
        <span class="frm_required" aria-hidden="true">*</span>
    </div>
    <div class="frm_opt_container" role="radiogroup" aria-required="true">		<div class="frm_radio" id="frm_radio_1543-0">			<label  for="field_5m1ug33-0">
					<input type="radio" name="item_meta[1543]" id="field_5m1ug33-0" value="Using SkillsFuture Credit"
		   data-reqmsg="Preferred mode of payment cannot be blank." data-invmsg="Preferred mode of payment is invalid" aria-invalid="false"  /> Using SkillsFuture Credit</label></div>
		<div class="frm_radio" id="frm_radio_1543-1">			<label  for="field_5m1ug33-1">
					<input type="radio" name="item_meta[1543]" id="field_5m1ug33-1" value="Using PayNow / Internet Bank Transfer"
		   data-reqmsg="Preferred mode of payment cannot be blank." data-invmsg="Preferred mode of payment is invalid" aria-invalid="false"  /> Using PayNow / Internet Bank Transfer</label></div>
		<div class="frm_radio" id="frm_radio_1543-2">			<label  for="field_5m1ug33-2">
					<input type="radio" name="item_meta[1543]" id="field_5m1ug33-2" value="Apply Fee Waiver Code"
		   data-reqmsg="Preferred mode of payment cannot be blank." data-invmsg="Preferred mode of payment is invalid" aria-invalid="false"  /> Apply Fee Waiver Code</label></div>
</div>
    <div class="frm_description" id="frm_desc_field_5m1ug33">Please select the preferred mode of payment.</div>
    
</div>
<div id="frm_field_1544_container" class="frm_form_field form-field  frm_required_field frm_top_container frm12 frm_first">
	<label for="field_ew5k13" id="field_ew5k13_label" class="frm_primary_label">Fee Waiver Code
		<span class="frm_required" aria-hidden="true">*</span>
	</label>
	<input type="text" id="field_ew5k13" name="item_meta[1544]" value=""  maxlength="10" data-reqmsg="Fee Waiver Code cannot be blank." aria-required="true" data-invmsg="Fee Waiver Code is invalid" aria-invalid="false" pattern="(CCS2025)$"   aria-describedby="frm_desc_field_ew5k13"/>
	<div class="frm_description" id="frm_desc_field_ew5k13">If you have a waiver, please enter the code to waive the fee payable.</div>
	
</div>
<div id="frm_field_1545_container" class="frm_form_field  frm12 frm_html_container form-field"><span style="font-size: 14pt;"><strong>The code has been accepted.</strong></span></div>
<div id="frm_field_1546_container" class="frm_form_field frm_section_heading form-field  frm12 frm_first">
<h3 class="frm_pos_hidden frm_section_spacing">Contact Information</h3>


<div id="frm_field_1547_container" class="frm_form_field  frm12 frm_first frm_html_container form-field"><span style="font-size: 14pt; color: #000000;"><strong>Contact Information</strong></span></div>
</div>
<div id="frm_field_1549_container" class="frm_form_field form-field  frm_required_field frm_top_container frm4 frm_first">
    <label for="field_x5ov69aaabb926933" id="field_x5ov69aaabb926933_label" class="frm_primary_label">Email
        <span class="frm_required">*</span>
    </label>
    <input type="email" id="field_x5ov69aaabb926933" name="item_meta[1549]" value=""  data-sectionid="1546" maxlength="30" data-reqmsg="Email cannot be blank." aria-required="true" data-invmsg="Please provide a valid email" aria-invalid="false"  />
    
    
</div>
<div id="frm_field_conf_1549_container" class="frm_form_field frm_hidden_container frm_conf_field form-field  frm_required_field frm_top_container frm4 ">
    <label for="field_conf_x5ov69aaabb926933" id="field_conf_x5ov69aaabb926933_label" class="frm_conf_label frm_primary_label">Confirm Email
        <span class="frm_required">*</span>
    </label>
    <input type="email" id="field_conf_x5ov69aaabb926933" name="item_meta[conf_1549]" value=""  data-sectionid="1546" maxlength="30" data-reqmsg="Confirm Email cannot be blank." aria-required="true" data-confmsg="The entered values do not match" data-invmsg="Please provide a valid email" aria-invalid="false"   aria-describedby="frm_desc_field_conf_x5ov69aaabb926933"/>
    <div class="frm_description" id="frm_desc_field_conf_x5ov69aaabb926933">Enter your email again to confirm</div>
    
</div>
<div id="frm_field_1550_container" class="frm_form_field form-field  frm_required_field frm_top_container frm4">
    <label for="field_5p4gp919a94162e33" id="field_5p4gp919a94162e33_label" class="frm_primary_label">Mobile Phone
        <span class="frm_required">*</span>
    </label>
    <input type="tel" id="field_5p4gp919a94162e33" name="item_meta[1550]" value=""  data-sectionid="1546" data-frmmask="99999999" maxlength="8" data-reqmsg="Mobile Phone cannot be blank." aria-required="true" data-invmsg="Please provide a valid mobile number" aria-invalid="false" pattern="\d\d\d\d\d\d\d\d$"  />
    
    
</div>
<div id="frm_field_1551_container" class="frm_form_field form-field  frm_required_field frm_top_container frm12 frm4">
    <label for="field_vtdf09036af26f133" id="field_vtdf09036af26f133_label" class="frm_primary_label">Home Postal Code
        <span class="frm_required">*</span>
    </label>
    <input type="tel" id="field_vtdf09036af26f133" name="item_meta[1551]" value=""  data-sectionid="1546" data-frmmask="999999" maxlength="6" data-reqmsg="Home Postal Code cannot be blank." aria-required="true" data-invmsg="Postal Code must be a 6-digit number" aria-invalid="false" pattern="\d\d\d\d\d\d$"  />
    
    
</div>
<div id="frm_field_1553_container" class="frm_form_field  frm12 frm_html_container form-field"><span style="font-size: 14pt; color: #000000;"><strong>Consent for Use of Personal Data</strong></span></p>
<p>&nbsp;</p>
<p><span style="font-size: 12pt; color: #000000;">By submitting this form, I agree that Credit Counselling Singapore (CCS) and AIC may collect, use and disclose my personal data, as provided in this form, in accordance with CCS Data Protection Policy (<a style="color: #000000;" href="https://ccs.org.sg/governance/pdpa-policy" target="_blank" rel="noopener">https://ccs.org.sg/governance/pdpa-policy</a>) and AIC’s Data Protection Policy (<a style="color: #000000;" href="https://www.aic.sg/data-protection-policy" target="_blank" rel="noopener">https://www.aic.sg/data-protection-policy</a>) respectively. Do note that photographs and videos may be taken during the course for publicity purposes.</span></div>
<div id="frm_field_1556_container" class="frm_form_field form-field  frm_required_field frm_none_container frm12 vertical_radio">
    <div id="field_63xi633_label" class="frm_primary_label">Consent
        <span class="frm_required">*</span>
    </div>
    <div class="frm_opt_container" role="group">		<div class="frm_checkbox" id="frm_checkbox_1556-0">			<label  for="field_63xi633-0">
			<input type="checkbox" name="item_meta[1556][]" id="field_63xi633-0" value="I have read and consent to the above terms and conditions."  data-reqmsg="Consent cannot be blank." data-invmsg="Consent is invalid" aria-invalid="false"   aria-required="true"  /> I have read and consent to the above terms and conditions.</label></div>
</div>
    
    
</div>
<div id="frm_field_1557_container" class="frm_form_field form-field ">
	<div class="frm_submit">

<button class="frm_button_submit frm_final_submit" type="submit"  formnovalidate="formnovalidate">Submit</button>

</div>
</div>
	<input type="hidden" name="item_key" value="" />
				<div class="frm__663b25eb0cd38">
				<label for="frm_email_87" >
					If you are human, leave this field blank.				</label>
				<input  id="frm_email_87" type="text" class="frm_verify" name="frm__663b25eb0cd38" value="" autocomplete="off"  />
			</div>
		<input name="frm_state" type="hidden" value="xTxUuXtgwFrU8lt8kKH5Bky9XiJ5RUvcVrYF+o47hWRJ1YCVlf0jbrd1WdRBNGj2" /></div>
</fieldset>
</div>
</form>
</div>
</span></p>
]]></content:encoded>
					
		
		
			</item>
		<item>
		<title>Retirement - Are You Financially Ready? (24 Jan 2026)</title>
		<link>https://iassessment.ccs.org.sg/events/rayfr-260124/</link>
		
		<dc:creator><![CDATA[Chew Ai Mei]]></dc:creator>
		<pubDate>Tue, 11 Nov 2025 06:50:29 +0000</pubDate>
				<category><![CDATA[English]]></category>
		<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[National Silver Academy]]></category>
		<category><![CDATA[Public]]></category>
		<guid isPermaLink="false">https://ccs.org.sg/?post_type=mec-events&#038;p=44313</guid>
					<description><![CDATA[Enhance your financial readiness for retirement with this hands-on course. Learn how to assess your current financial position, estimate your retirement income and expenses, and be familiar key government schemes that can offer additional support. With this awareness, you can confidently make informed decisions and take steps toward a more secure and self-reliant retirement. Location: Conducted in-person at CCS Seminar Room at 51 Cuppage Road #07-01 Singapore 229469.  Date: 24 January 2026, Saturday   Time: 1:00 pm to 5:30 pm Net Course Fee Payable $46.40 (inclusive of GST and after NSA subsidy) Applicable for Singaporeans and PR, aged 50 and above. $174.40 (inclusive of GST) for all others. The course fee can be paid in cash or using SkillsFuture Credit. This course is conducted by CCS as part of the National Silver Academy, which promotes lifelong learning for seniors to keep their minds active and stay socially engaged.]]></description>
										<content:encoded><![CDATA[<p><span style="color: #000000;font-size: 14pt">Enhance your financial readiness for retirement with this hands-on course. Learn how to assess your current financial position, estimate your retirement income and expenses, and be familiar key government schemes that can offer additional support. With this awareness, you can confidently make informed decisions and take steps toward a more secure and self-reliant retirement.</span></p>
<p><span style="font-size: 14pt;color: #000000"><span style="text-decoration: underline"><strong>Location</strong></span>: Conducted in-person at CCS Seminar Room at 51 Cuppage Road #07-01 Singapore 229469. </span></p>
<p><span style="font-size: 14pt;color: #000000"><strong><span style="text-decoration: underline">Date</span>: 24 January 2026, Saturday  </strong></span></p>
<p><span style="font-size: 14pt;color: #000000"><strong><span style="text-decoration: underline">Time</span>: 1:00 pm to 5:30 pm</strong></span></p>
<p><span style="text-decoration: underline;font-size: 14pt;color: #000000"><strong>Net Course Fee Payable</strong></span></p>
<p><span style="font-size: 14pt;color: #000000">$46.40 (inclusive of GST and after NSA subsidy)</span><br />
<span style="font-size: 14pt;color: #000000">Applicable for Singaporeans and PR, aged 50 and above.</span></p>
<p><span style="font-size: 14pt;color: #000000">$174.40 (inclusive of GST) for all others.</span></p>
<p><span style="font-size: 14pt;color: #000000"><strong>The course fee can be paid in cash or using SkillsFuture Credit.</strong></span></p>
<p><span style="font-size: 14pt;color: #000000">This course is conducted by CCS as part of the National Silver Academy, which promotes lifelong learning for seniors to keep their minds active and stay socially engaged.</span></p>
<hr />
<div class="frm_forms  with_frm_style frm_style_big-text" id="frm_form_85_container" data-token="702cfc7196e81209e82c4436e849e5e6" data-token="702cfc7196e81209e82c4436e849e5e6">
<form enctype="multipart/form-data" method="post" class="frm-show-form  frm_js_validate  frm_pro_form " id="form_nsa-rayfr-260124" data-token="702cfc7196e81209e82c4436e849e5e6" data-token="702cfc7196e81209e82c4436e849e5e6">
<div class="frm_form_fields ">
<fieldset>
<legend class="frm_screen_reader">NSA Course RAYFR En (24 Jan 2026)</legend>

<div class="frm_fields_container">
<input type="hidden" name="frm_action" value="create" />
<input type="hidden" name="form_id" value="85" />
<input type="hidden" name="frm_hide_fields_85" id="frm_hide_fields_85" value="" />
<input type="hidden" name="form_key" value="nsa-rayfr-260124" />
<input type="hidden" name="item_meta[0]" value="" />
<input type="hidden" id="frm_submit_entry_85" name="frm_submit_entry_85" value="cafdaf514d" /><input type="hidden" name="_wp_http_referer" value="/tag/english/feed/" /><div id="frm_field_1452_container" class="frm_form_field  frm12 frm_html_container form-field">
<p><span style="font-size: 14pt; color: #000000;"><strong>Course Registration Form</strong></span></p>
</div>
<input type="hidden" name="item_meta[1488]" id="field_jgu21" value="Retirement - Are You Financially Ready? (English)"  data-frmval="Retirement - Are You Financially Ready? (English)"   />
<input type="hidden" name="item_meta[1489]" id="field_9vi14" value="Saturday, 24 January 2026, 1:00 pm to 5:30 pm"  data-frmval="Saturday, 24 January 2026, 1:00 pm to 5:30 pm"   />
<input type="hidden" name="item_meta[1453]" id="field_qkybe2" value=""     />
<div id="frm_field_1460_container" class="frm_form_field  frm_first frm_html_container form-field">
<p><span style="font-size: 14pt; color: #000000;"><strong>Learner's Particulars</strong></span></p>
</div>
<div id="frm_field_1461_container" class="frm_form_field form-field  frm_required_field frm_top_container frm_first frm_half">
    <label for="field_fkp83" id="field_fkp83_label" class="frm_primary_label">Full Name
        <span class="frm_required">*</span>
    </label>
    <input type="text" id="field_fkp83" name="item_meta[1461]" value=""  maxlength="75" data-reqmsg="Full Name cannot be blank." aria-required="true" data-invmsg="Text is invalid" aria-invalid="false"   aria-describedby="frm_desc_field_fkp83"/>
    <div class="frm_description" id="frm_desc_field_fkp83">According to your NRIC</div>
    
</div>
<div id="frm_field_1462_container" class="frm_form_field form-field  frm_required_field frm_top_container frm_first frm_half">
    <label for="field_6y83u3" id="field_6y83u3_label" class="frm_primary_label">Citizenship
        <span class="frm_required">*</span>
    </label>
    		<select name="item_meta[1462]" id="field_6y83u3"  data-placeholder="Please select"  placeholder="Please select" data-reqmsg="Citizenship cannot be blank." aria-required="true" data-invmsg="Citizenship is invalid" aria-invalid="false"  >
		<option  class="frm-select-placeholder" value="" data-placeholder="true">Please select</option><option  value="Singapore Citizen">Singapore Citizen</option><option  value="Permanent Resident">Permanent Resident</option><option  value="Others">Others</option>	</select>
	
    
    
</div>
<div id="frm_field_1463_container" class="frm_form_field form-field  frm_required_field frm_top_container frm_third">
    <label for="field_kvbev3" id="field_kvbev3_label" class="frm_primary_label">Other Citizenship
        <span class="frm_required">*</span>
    </label>
    		<select name="item_meta[1463]" id="field_kvbev3"  data-placeholder="Please select"  placeholder="Please select" data-reqmsg="Other Citizenship cannot be blank." aria-required="true" data-invmsg="Other Citizenship is invalid" aria-invalid="false"  >
		<option  class="frm-select-placeholder" value="" data-placeholder="true">Please select</option><option  value="Afghanistan">Afghanistan</option><option  value="Aland Islands">Aland Islands</option><option  value="Albania">Albania</option><option  value="Algeria">Algeria</option><option  value="American Samoa">American Samoa</option><option  value="Andorra">Andorra</option><option  value="Angola">Angola</option><option  value="Anguilla">Anguilla</option><option  value="Antarctica">Antarctica</option><option  value="Antigua and Barbuda">Antigua and Barbuda</option><option  value="Argentina">Argentina</option><option  value="Armenia">Armenia</option><option  value="Aruba">Aruba</option><option  value="Australia">Australia</option><option  value="Austria">Austria</option><option  value="Azerbaijan">Azerbaijan</option><option  value="Bahamas">Bahamas</option><option  value="Bahrain">Bahrain</option><option  value="Bangladesh">Bangladesh</option><option  value="Barbados">Barbados</option><option  value="Belarus">Belarus</option><option  value="Belgium">Belgium</option><option  value="Belize">Belize</option><option  value="Benin">Benin</option><option  value="Bermuda">Bermuda</option><option  value="Bhutan">Bhutan</option><option  value="Bolivia">Bolivia</option><option  value="Bonaire, Sint Eustatius and Saba">Bonaire, Sint Eustatius and Saba</option><option  value="Bosnia and Herzegovina">Bosnia and Herzegovina</option><option  value="Botswana">Botswana</option><option  value="Bouvet Island">Bouvet Island</option><option  value="Brazil">Brazil</option><option  value="British Indian Ocean Territory">British Indian Ocean Territory</option><option  value="Brunei">Brunei</option><option  value="Bulgaria">Bulgaria</option><option  value="Burkina Faso">Burkina Faso</option><option  value="Burundi">Burundi</option><option  value="Cambodia">Cambodia</option><option  value="Cameroon">Cameroon</option><option  value="Canada">Canada</option><option  value="Cape Verde">Cape Verde</option><option  value="Cayman Islands">Cayman Islands</option><option  value="Central African Republic">Central African Republic</option><option  value="Chad">Chad</option><option  value="Chile">Chile</option><option  value="China">China</option><option  value="Christmas Island">Christmas Island</option><option  value="Côte d&#039;Ivoire">Côte d&#039;Ivoire</option><option  value="Cocos (Keeling) Islands">Cocos (Keeling) Islands</option><option  value="Colombia">Colombia</option><option  value="Comoros">Comoros</option><option  value="Congo">Congo</option><option  value="Cook Islands">Cook Islands</option><option  value="Costa Rica">Costa Rica</option><option  value="Croatia">Croatia</option><option  value="Cuba">Cuba</option><option  value="Curacao">Curacao</option><option  value="Cyprus">Cyprus</option><option  value="Czech Republic">Czech Republic</option><option  value="Denmark">Denmark</option><option  value="Djibouti">Djibouti</option><option  value="Dominica">Dominica</option><option  value="Dominican Republic">Dominican Republic</option><option  value="East Timor">East Timor</option><option  value="Ecuador">Ecuador</option><option  value="Egypt">Egypt</option><option  value="El Salvador">El Salvador</option><option  value="Equatorial Guinea">Equatorial Guinea</option><option  value="Eritrea">Eritrea</option><option  value="Estonia">Estonia</option><option  value="Ethiopia">Ethiopia</option><option  value="Falkland Islands (Malvinas)">Falkland Islands (Malvinas)</option><option  value="Faroe Islands">Faroe Islands</option><option  value="Fiji">Fiji</option><option  value="Finland">Finland</option><option  value="France">France</option><option  value="French Guiana">French Guiana</option><option  value="French Polynesia">French Polynesia</option><option  value="French Southern Territories">French Southern Territories</option><option  value="Gabon">Gabon</option><option  value="Gambia">Gambia</option><option  value="Georgia">Georgia</option><option  value="Germany">Germany</option><option  value="Ghana">Ghana</option><option  value="Gibraltar">Gibraltar</option><option  value="Greece">Greece</option><option  value="Greenland">Greenland</option><option  value="Grenada">Grenada</option><option  value="Guadeloupe">Guadeloupe</option><option  value="Guam">Guam</option><option  value="Guatemala">Guatemala</option><option  value="Guernsey">Guernsey</option><option  value="Guinea">Guinea</option><option  value="Guinea-Bissau">Guinea-Bissau</option><option  value="Guyana">Guyana</option><option  value="Haiti">Haiti</option><option  value="Heard Island and McDonald Islands">Heard Island and McDonald Islands</option><option  value="Holy See">Holy See</option><option  value="Honduras">Honduras</option><option  value="Hong Kong">Hong Kong</option><option  value="Hungary">Hungary</option><option  value="Iceland">Iceland</option><option  value="India">India</option><option  value="Indonesia">Indonesia</option><option  value="Iran">Iran</option><option  value="Iraq">Iraq</option><option  value="Ireland">Ireland</option><option  value="Isle of Man">Isle of Man</option><option  value="Israel">Israel</option><option  value="Italy">Italy</option><option  value="Jamaica">Jamaica</option><option  value="Japan">Japan</option><option  value="Jersey">Jersey</option><option  value="Jordan">Jordan</option><option  value="Kazakhstan">Kazakhstan</option><option  value="Kenya">Kenya</option><option  value="Kiribati">Kiribati</option><option  value="Kosovo">Kosovo</option><option  value="Kuwait">Kuwait</option><option  value="Kyrgyzstan">Kyrgyzstan</option><option  value="Laos">Laos</option><option  value="Latvia">Latvia</option><option  value="Lebanon">Lebanon</option><option  value="Lesotho">Lesotho</option><option  value="Liberia">Liberia</option><option  value="Libya">Libya</option><option  value="Liechtenstein">Liechtenstein</option><option  value="Lithuania">Lithuania</option><option  value="Luxembourg">Luxembourg</option><option  value="Macao">Macao</option><option  value="Macedonia">Macedonia</option><option  value="Madagascar">Madagascar</option><option  value="Malawi">Malawi</option><option  value="Malaysia">Malaysia</option><option  value="Maldives">Maldives</option><option  value="Mali">Mali</option><option  value="Malta">Malta</option><option  value="Marshall Islands">Marshall Islands</option><option  value="Martinique">Martinique</option><option  value="Mauritania">Mauritania</option><option  value="Mauritius">Mauritius</option><option  value="Mayotte">Mayotte</option><option  value="Mexico">Mexico</option><option  value="Micronesia">Micronesia</option><option  value="Moldova">Moldova</option><option  value="Monaco">Monaco</option><option  value="Mongolia">Mongolia</option><option  value="Montenegro">Montenegro</option><option  value="Montserrat">Montserrat</option><option  value="Morocco">Morocco</option><option  value="Mozambique">Mozambique</option><option  value="Myanmar">Myanmar</option><option  value="Namibia">Namibia</option><option  value="Nauru">Nauru</option><option  value="Nepal">Nepal</option><option  value="Netherlands">Netherlands</option><option  value="New Caledonia">New Caledonia</option><option  value="New Zealand">New Zealand</option><option  value="Nicaragua">Nicaragua</option><option  value="Niger">Niger</option><option  value="Nigeria">Nigeria</option><option  value="Niue">Niue</option><option  value="Norfolk Island">Norfolk Island</option><option  value="Northern Mariana Islands">Northern Mariana Islands</option><option  value="North Korea">North Korea</option><option  value="Norway">Norway</option><option  value="Oman">Oman</option><option  value="Pakistan">Pakistan</option><option  value="Palau">Palau</option><option  value="Palestine">Palestine</option><option  value="Panama">Panama</option><option  value="Papua New Guinea">Papua New Guinea</option><option  value="Paraguay">Paraguay</option><option  value="Peru">Peru</option><option  value="Philippines">Philippines</option><option  value="Pitcairn">Pitcairn</option><option  value="Poland">Poland</option><option  value="Portugal">Portugal</option><option  value="Puerto Rico">Puerto Rico</option><option  value="Qatar">Qatar</option><option  value="Reunion">Reunion</option><option  value="Romania">Romania</option><option  value="Russia">Russia</option><option  value="Rwanda">Rwanda</option><option  value="Saint Barthelemy">Saint Barthelemy</option><option  value="Saint Helena, Ascension and Tristan da Cunha">Saint Helena, Ascension and Tristan da Cunha</option><option  value="Saint Kitts and Nevis">Saint Kitts and Nevis</option><option  value="Saint Lucia">Saint Lucia</option><option  value="Saint Martin (French part)">Saint Martin (French part)</option><option  value="Saint Pierre and Miquelon">Saint Pierre and Miquelon</option><option  value="Saint Vincent and the Grenadines">Saint Vincent and the Grenadines</option><option  value="Samoa">Samoa</option><option  value="San Marino">San Marino</option><option  value="Sao Tome and Principe">Sao Tome and Principe</option><option  value="Saudi Arabia">Saudi Arabia</option><option  value="Senegal">Senegal</option><option  value="Serbia">Serbia</option><option  value="Seychelles">Seychelles</option><option  value="Sierra Leone">Sierra Leone</option><option  value="Singapore">Singapore</option><option  value="Sint Maarten (Dutch part)">Sint Maarten (Dutch part)</option><option  value="Slovakia">Slovakia</option><option  value="Slovenia">Slovenia</option><option  value="Solomon Islands">Solomon Islands</option><option  value="Somalia">Somalia</option><option  value="South Africa">South Africa</option><option  value="South Georgia and the South Sandwich Islands">South Georgia and the South Sandwich Islands</option><option  value="South Korea">South Korea</option><option  value="South Sudan">South Sudan</option><option  value="Spain">Spain</option><option  value="Sri Lanka">Sri Lanka</option><option  value="Sudan">Sudan</option><option  value="Suriname">Suriname</option><option  value="Svalbard and Jan Mayen">Svalbard and Jan Mayen</option><option  value="Swaziland">Swaziland</option><option  value="Sweden">Sweden</option><option  value="Switzerland">Switzerland</option><option  value="Syria">Syria</option><option  value="Taiwan">Taiwan</option><option  value="Tajikistan">Tajikistan</option><option  value="Tanzania">Tanzania</option><option  value="Thailand">Thailand</option><option  value="Timor-Leste">Timor-Leste</option><option  value="Togo">Togo</option><option  value="Tokelau">Tokelau</option><option  value="Tonga">Tonga</option><option  value="Trinidad and Tobago">Trinidad and Tobago</option><option  value="Tunisia">Tunisia</option><option  value="Turkey">Turkey</option><option  value="Turkmenistan">Turkmenistan</option><option  value="Turks and Caicos Islands">Turks and Caicos Islands</option><option  value="Tuvalu">Tuvalu</option><option  value="Uganda">Uganda</option><option  value="Ukraine">Ukraine</option><option  value="United Arab Emirates">United Arab Emirates</option><option  value="United Kingdom">United Kingdom</option><option  value="United States">United States</option><option  value="United States Minor Outlying Islands">United States Minor Outlying Islands</option><option  value="Uruguay">Uruguay</option><option  value="Uzbekistan">Uzbekistan</option><option  value="Vanuatu">Vanuatu</option><option  value="Vatican City">Vatican City</option><option  value="Venezuela">Venezuela</option><option  value="Vietnam">Vietnam</option><option  value="Virgin Islands, British">Virgin Islands, British</option><option  value="Virgin Islands, U.S.">Virgin Islands, U.S.</option><option  value="Wallis and Futuna">Wallis and Futuna</option><option  value="Western Sahara">Western Sahara</option><option  value="Yemen">Yemen</option><option  value="Zambia">Zambia</option><option  value="Zimbabwe">Zimbabwe</option>	</select>
	
    
    
</div>
<div id="frm_field_1464_container" class="frm_form_field form-field  frm_required_field frm_top_container frm_first frm_half">
    <label for="field_9n2xb3" id="field_9n2xb3_label" class="frm_primary_label">NRIC
        <span class="frm_required">*</span>
    </label>
    <input type="text" id="field_9n2xb3" name="item_meta[1464]" value=""  maxlength="9" placeholder="SxxxxxxxA" data-reqmsg="NRIC cannot be blank." aria-required="true" data-invmsg="Text is invalid" aria-invalid="false"   aria-describedby="frm_desc_field_9n2xb3"/>
    <div class="frm_description" id="frm_desc_field_9n2xb3">Format SxxxxxxxA</div>
    
</div>
<div id="frm_field_1465_container" class="frm_form_field form-field  frm_required_field frm_top_container frm_first frm_half">
    <label for="field_ylm33" id="field_ylm33_label" class="frm_primary_label">Date of Birth
        <span class="frm_required">*</span>
    </label>
    <input type="text" id="field_ylm33" name="item_meta[1465]" value=""  maxlength="10" placeholder="dd/mm/yyyy" data-reqmsg="Date of Birth cannot be blank." aria-required="true" data-invmsg="Date is invalid" class="frm_date" aria-invalid="false"  />
    
    
</div>
<div id="frm_field_1466_container" class="frm_form_field form-field  frm_top_container frm_fourth">
    <label for="field_rjnhy3" id="field_rjnhy3_label" class="frm_primary_label">Age
        <span class="frm_required"></span>
    </label>
    <input type="number" id="field_rjnhy3" name="item_meta[1466]" value=""  readonly="readonly"  data-invmsg="Number is invalid" aria-invalid="false"   min="0" max="9999999" step="any"/>
    
    
</div>
<div id="frm_field_1467_container" class="frm_form_field form-field  frm_required_field frm_top_container frm_first frm_third">
    <div id="field_q30pd3_label" class="frm_primary_label">Gender
        <span class="frm_required">*</span>
    </div>
    <div class="frm_opt_container" role="group">		<select name="item_meta[1467]" id="field_q30pd3"  data-placeholder="Please select"  placeholder="Please select" data-reqmsg="Gender cannot be blank." aria-required="true" data-invmsg="Gender is invalid" aria-invalid="false"  >
		<option  class="frm-select-placeholder" value="" data-placeholder="true">Please select</option><option  value="Female">Female</option><option  value="Male">Male</option>	</select>
	</div>
    
    
</div>
<div id="frm_field_1468_container" class="frm_form_field form-field  frm_required_field frm_top_container frm_first frm_third">
    <label for="field_w7ieo3" id="field_w7ieo3_label" class="frm_primary_label">Race
        <span class="frm_required">*</span>
    </label>
    		<select name="item_meta[1468]" id="field_w7ieo3"  data-placeholder="Please select"  placeholder="Please select" data-reqmsg="Race cannot be blank." aria-required="true" data-invmsg="Race is invalid" aria-invalid="false"  >
		<option  class="frm-select-placeholder" value="" data-placeholder="true">Please select</option><option  value="Chinese">Chinese</option><option  value="Malay">Malay</option><option  value="Indian">Indian</option><option  value="Eurasian">Eurasian</option><option  value="Other">Other</option>	</select>
	
    
    
</div>
<div id="frm_field_1469_container" class="frm_form_field form-field  frm_required_field frm_top_container frm_first frm_half">
    <label for="field_unane3" id="field_unane3_label" class="frm_primary_label">Highest Academic Qualification
        <span class="frm_required">*</span>
    </label>
    		<select name="item_meta[1469]" id="field_unane3"  data-placeholder="Please select"  placeholder="Please select" data-reqmsg="Highest Academic Qualification cannot be blank." aria-required="true" data-invmsg="Highest Academic Qualification is invalid" aria-invalid="false"  >
		<option  class="frm-select-placeholder" value="" data-placeholder="true">Please select</option><option  value="Primary">Primary</option><option  value="ITE">ITE</option><option  value="O Level">O Level</option><option  value="A Level">A Level</option><option  value="Diploma">Diploma</option><option  value="Degree and above">Degree and above</option>	</select>
	
    
    
</div>
<div id="frm_field_1470_container" class="frm_form_field form-field  frm_required_field frm_top_container frm_first frm_half">
    <div id="field_wqe143_label" class="frm_primary_label">Current Employment Status
        <span class="frm_required">*</span>
    </div>
    <div class="frm_opt_container" role="group">		<select name="item_meta[1470]" id="field_wqe143"  data-placeholder="Please select"  placeholder="Please select" data-reqmsg="Current Employment Status cannot be blank." aria-required="true" data-invmsg="Current Employment Status is invalid" aria-invalid="false"  >
		<option  class="frm-select-placeholder" value="" data-placeholder="true">Please select</option><option  value="Employed (full-time)">Employed (full-time)</option><option  value="Employed (part-time)">Employed (part-time)</option><option  value="Self-employed">Self-employed</option><option  value="Not working (homemaker)">Not working (homemaker)</option><option  value="Not working (unemployed)">Not working (unemployed)</option><option  value="Retired">Retired</option>	</select>
	</div>
    
    
</div>
<div id="frm_field_1471_container" class="frm_form_field form-field  frm_required_field frm_top_container frm_first frm_half vertical_radio">
    <div id="field_5m1ug3_label" class="frm_primary_label">Preferred mode of payment
        <span class="frm_required" aria-hidden="true">*</span>
    </div>
    <div class="frm_opt_container" role="radiogroup" aria-required="true">		<div class="frm_radio" id="frm_radio_1471-0">			<label  for="field_5m1ug3-0">
					<input type="radio" name="item_meta[1471]" id="field_5m1ug3-0" value="Using SkillsFuture Credit"
		   data-reqmsg="Preferred mode of payment cannot be blank." data-invmsg="Preferred mode of payment is invalid" aria-invalid="false"  /> Using SkillsFuture Credit</label></div>
		<div class="frm_radio" id="frm_radio_1471-1">			<label  for="field_5m1ug3-1">
					<input type="radio" name="item_meta[1471]" id="field_5m1ug3-1" value="Using PayNow / Internet Bank Transfer"
		   data-reqmsg="Preferred mode of payment cannot be blank." data-invmsg="Preferred mode of payment is invalid" aria-invalid="false"  /> Using PayNow / Internet Bank Transfer</label></div>
		<div class="frm_radio" id="frm_radio_1471-2">			<label  for="field_5m1ug3-2">
					<input type="radio" name="item_meta[1471]" id="field_5m1ug3-2" value="Apply Fee Waiver Code"
		   data-reqmsg="Preferred mode of payment cannot be blank." data-invmsg="Preferred mode of payment is invalid" aria-invalid="false"  /> Apply Fee Waiver Code</label></div>
</div>
    <div class="frm_description" id="frm_desc_field_5m1ug3">Please select the preferred mode of payment.</div>
    
</div>
<div id="frm_field_1490_container" class="frm_form_field form-field  frm_required_field frm_top_container frm12 frm_first">
	<label for="field_ew5k1" id="field_ew5k1_label" class="frm_primary_label">Fee Waiver Code
		<span class="frm_required" aria-hidden="true">*</span>
	</label>
	<input type="text" id="field_ew5k1" name="item_meta[1490]" value=""  maxlength="10" data-reqmsg="Fee Waiver Code cannot be blank." aria-required="true" data-invmsg="Fee Waiver Code is invalid" aria-invalid="false" pattern="(CCS2025)$"   aria-describedby="frm_desc_field_ew5k1"/>
	<div class="frm_description" id="frm_desc_field_ew5k1">If you have a waiver, please enter the code to waive the fee payable.</div>
	
</div>
<div id="frm_field_1491_container" class="frm_form_field  frm12 frm_html_container form-field"><span style="font-size: 14pt;"><strong>The code has been accepted.</strong></span></div>
<div id="frm_field_1472_container" class="frm_form_field frm_section_heading form-field  frm12 frm_first">
<h3 class="frm_pos_hidden frm_section_spacing">Contact Information</h3>


<div id="frm_field_1473_container" class="frm_form_field  frm12 frm_first frm_html_container form-field"><span style="font-size: 14pt; color: #000000;"><strong>Contact Information</strong></span></div>
</div>
<div id="frm_field_1474_container" class="frm_form_field form-field  frm_required_field frm_top_container frm4 frm_first">
    <label for="field_x5ov69aaabb92693" id="field_x5ov69aaabb92693_label" class="frm_primary_label">Email
        <span class="frm_required">*</span>
    </label>
    <input type="email" id="field_x5ov69aaabb92693" name="item_meta[1474]" value=""  data-sectionid="1472" maxlength="30" data-reqmsg="Email cannot be blank." aria-required="true" data-invmsg="Please provide a valid email" aria-invalid="false"  />
    
    
</div>
<div id="frm_field_conf_1474_container" class="frm_form_field frm_hidden_container frm_conf_field form-field  frm_required_field frm_top_container frm4 ">
    <label for="field_conf_x5ov69aaabb92693" id="field_conf_x5ov69aaabb92693_label" class="frm_conf_label frm_primary_label">Confirm Email
        <span class="frm_required">*</span>
    </label>
    <input type="email" id="field_conf_x5ov69aaabb92693" name="item_meta[conf_1474]" value=""  data-sectionid="1472" maxlength="30" data-reqmsg="Confirm Email cannot be blank." aria-required="true" data-confmsg="The entered values do not match" data-invmsg="Please provide a valid email" aria-invalid="false"   aria-describedby="frm_desc_field_conf_x5ov69aaabb92693"/>
    <div class="frm_description" id="frm_desc_field_conf_x5ov69aaabb92693">Enter your email again to confirm</div>
    
</div>
<div id="frm_field_1475_container" class="frm_form_field form-field  frm_required_field frm_top_container frm4">
    <label for="field_5p4gp919a94162e3" id="field_5p4gp919a94162e3_label" class="frm_primary_label">Mobile Phone
        <span class="frm_required">*</span>
    </label>
    <input type="tel" id="field_5p4gp919a94162e3" name="item_meta[1475]" value=""  data-sectionid="1472" data-frmmask="99999999" maxlength="8" data-reqmsg="Mobile Phone cannot be blank." aria-required="true" data-invmsg="Please provide a valid mobile number" aria-invalid="false" pattern="\d\d\d\d\d\d\d\d$"  />
    
    
</div>
<div id="frm_field_1476_container" class="frm_form_field form-field  frm_required_field frm_top_container frm12 frm4">
    <label for="field_vtdf09036af26f13" id="field_vtdf09036af26f13_label" class="frm_primary_label">Home Postal Code
        <span class="frm_required">*</span>
    </label>
    <input type="tel" id="field_vtdf09036af26f13" name="item_meta[1476]" value=""  data-sectionid="1472" data-frmmask="999999" maxlength="6" data-reqmsg="Home Postal Code cannot be blank." aria-required="true" data-invmsg="Postal Code must be a 6-digit number" aria-invalid="false" pattern="\d\d\d\d\d\d$"  />
    
    
</div>
<div id="frm_field_1479_container" class="frm_form_field  frm12 frm_html_container form-field"><span style="font-size: 14pt; color: #000000;"><strong>Consent for Use of Personal Data</strong></span></p>
<p>&nbsp;</p>
<p><span style="font-size: 12pt; color: #000000;">By submitting this form, I agree that Credit Counselling Singapore (CCS) and AIC may collect, use and disclose my personal data, as provided in this form, in accordance with CCS Data Protection Policy (<a style="color: #000000;" href="https://ccs.org.sg/governance/pdpa-policy" target="_blank" rel="noopener">https://ccs.org.sg/governance/pdpa-policy</a>) and AIC’s Data Protection Policy (<a style="color: #000000;" href="https://www.aic.sg/data-protection-policy" target="_blank" rel="noopener">https://www.aic.sg/data-protection-policy</a>) respectively. Do note that photographs and videos may be taken during the course for publicity purposes.</span></div>
<div id="frm_field_1482_container" class="frm_form_field form-field  frm_required_field frm_none_container frm12 vertical_radio">
    <div id="field_63xi63_label" class="frm_primary_label">Consent
        <span class="frm_required">*</span>
    </div>
    <div class="frm_opt_container" role="group">		<div class="frm_checkbox" id="frm_checkbox_1482-0">			<label  for="field_63xi63-0">
			<input type="checkbox" name="item_meta[1482][]" id="field_63xi63-0" value="I have read and consent to the above terms and conditions."  data-reqmsg="Consent cannot be blank." data-invmsg="Consent is invalid" aria-invalid="false"   aria-required="true"  /> I have read and consent to the above terms and conditions.</label></div>
</div>
    
    
</div>
<div id="frm_field_1486_container" class="frm_form_field form-field ">
	<div class="frm_submit">

<button class="frm_button_submit frm_final_submit" type="submit"  formnovalidate="formnovalidate">Submit</button>

</div>
</div>
	<input type="hidden" name="item_key" value="" />
				<div class="frm__663b25eb0cd38">
				<label for="frm_email_85" >
					If you are human, leave this field blank.				</label>
				<input  id="frm_email_85" type="text" class="frm_verify" name="frm__663b25eb0cd38" value="" autocomplete="off"  />
			</div>
		<input name="frm_state" type="hidden" value="xTxUuXtgwFrU8lt8kKH5Bo7UADyQU7z/skqj7n+PE8hJ1YCVlf0jbrd1WdRBNGj2" /></div>
</fieldset>
</div>
</form>
</div>
]]></content:encoded>
					
		
		
			</item>
		<item>
		<title>Consumer Debt Management Webinar (6 Dec 2025)</title>
		<link>https://iassessment.ccs.org.sg/events/debt-webinar-251206/</link>
		
		<dc:creator><![CDATA[admin]]></dc:creator>
		<pubDate>Tue, 11 Nov 2025 00:39:15 +0000</pubDate>
				<category><![CDATA[Consumer Debt Management]]></category>
		<category><![CDATA[English]]></category>
		<guid isPermaLink="false">https://ccs.org.sg/?post_type=mec-events&#038;p=43865</guid>
					<description><![CDATA[Attend this webinar to find out how you can address an unsecured debt problem, what are the do's and dont's when dealing with creditors and what common collection actions creditors take to recover money owed. Find out more about our CCS Debt Management Programme (DMP) and how to arrange for an appointment with our Credit Counsellors. During the webinar, 1.     You may use a nickname and may remain anonymous throughout the session. 2.     Your microphone, video and chat functions, are disabled. 3.     List of participants is not publicly visible. 4.     You may use the Q&#38;A function to type in questions anonymously. &#160; After successful registration, you will receive an email with instructions and a link to join this Zoom webinar.  To join the webinar, click on the joining link provided in the event confirmation email 10 minutes before the scheduled start time of the webinar. When you click on the link, no Webinar ID or Passcode are required. You may need to check your Spam or Junk mailbox for the event confirmation email and instructions on how to join the webinar. Please email to education@iassessment.ccs.org.sg if you did not receive the event confirmation email. (1 week before the commencement of the webinar)]]></description>
										<content:encoded><![CDATA[<p><span style="font-size: 14pt;color: #000000">Attend this webinar to find out how you can address an unsecured debt problem, what are the do's and dont's when dealing with creditors and what common collection actions creditors take to recover money owed. Find out more about our CCS Debt Management Programme (DMP) and how to arrange for an appointment with our Credit Counsellors.</span></p>
<p><span style="font-size: 14pt;color: #000000">During the webinar,</span></p>
<p style="padding-left: 40px"><span style="font-size: 14pt;color: #000000">1.     You may use a nickname and may remain anonymous throughout the session.</span></p>
<p style="padding-left: 40px"><span style="font-size: 14pt;color: #000000">2.     Your microphone, video and chat functions, are disabled.</span></p>
<p style="padding-left: 40px"><span style="font-size: 14pt;color: #000000">3.     List of participants is not publicly visible.</span></p>
<p style="padding-left: 40px"><span style="font-size: 14pt;color: #000000">4.     You may use the Q&amp;A function to type in questions anonymously.</span></p>
<p>&nbsp;</p>
<hr />
<p><span style="font-size: 14pt;color: #000000">After successful registration, you will receive an email with instructions and a link to join this Zoom webinar. </span></p>
<p><span style="font-size: 14pt;color: #000000">To join the webinar, click on the joining link provided in the event confirmation email <span style="text-decoration: underline"><strong>10 minutes</strong></span> before the scheduled start time of the webinar. </span><span style="font-size: 14pt;color: #000000">When you click on the link, no Webinar ID or Passcode are required.</span></p>
<p><span style="font-size: 14pt;color: #000000"><strong>You may need to check your Spam or Junk mailbox for the event confirmation email and instructions on how to join the webinar.</strong></span></p>
<p><strong><span style="font-size: 14pt;color: #000000">Please email to <span style="font-size: 14pt"><a href="mailto:education@iassessment.ccs.org.sg">education@iassessment.ccs.org.sg</a></span> if you did not receive the event confirmation email. (1 week before the commencement of the webinar)</span></strong></p>
]]></content:encoded>
					
		
		
			</item>
		<item>
		<title>Bouncing Back - Bankruptcy Information Talk (10 Dec 2025)</title>
		<link>https://iassessment.ccs.org.sg/events/bsp-webinar-251210/</link>
		
		<dc:creator><![CDATA[admin]]></dc:creator>
		<pubDate>Thu, 06 Nov 2025 05:58:52 +0000</pubDate>
				<category><![CDATA[Bankruptcy Rehabilitation Programme]]></category>
		<category><![CDATA[English]]></category>
		<guid isPermaLink="false">https://ccs.org.sg/?post_type=mec-events&#038;p=43861</guid>
					<description><![CDATA[A you struggling with overwhelming debt that feels beyond your control? Bankruptcy may be a last resort, but understanding what bankruptcy is and exploring your options is key to regaining financial stability. Join our free webinar on "Bouncing Back from Bankruptcy" where you’ll learn more about bankruptcy in general: 1. What is bankruptcy? 2. Are there alternatives to bankruptcy? 3. What are the requirements for getting a discharge from bankruptcy. 4. What are Monthly and Target Contributions. 5. What are CCS programmes and services? We will also share how CCS can offer guidance and support to help you and your family overcome financial challenges and rebuild your financial future. Register now to secure your spot and take the first step towards regaining financial control and stability! &#160; During the webinar, 1.     You may use a nickname and may remain anonymous throughout the session. 2.     Your microphone, video and chat functions, are disabled. 3.     The list of webinar participants is not publicly visible. 4.     You may use the Q&#38;A function to type in questions anonymously. After successful registration, you will receive an email with instructions and a link to join this online webinar. To join the Zoom webinar, click on the link provided in the event confirmation email 10 minutes before the scheduled start time of the webinar. You may need to check your Spam or Junk mailbox for the email.   Email education@iassessment.ccs.org.sg if you did not receive the event confirmation email.]]></description>
										<content:encoded><![CDATA[<p><span style="font-size: 14pt"><strong>A you struggling with overwhelming debt that feels beyond your control?</strong> Bankruptcy may be a last resort, but understanding what bankruptcy is and exploring your options is key to regaining financial stability. </span></p>
<p><span style="font-size: 14pt">Join our <strong>free webinar</strong> on "<strong>Bouncing Back from Bankruptcy</strong>" where you’ll learn more about bankruptcy in general:</span></p>
<p style="padding-left: 40px"><span style="font-size: 14pt">1. What is bankruptcy?</span><br />
<span style="font-size: 14pt">2. Are there alternatives to bankruptcy?</span><br />
<span style="font-size: 14pt">3. What are the requirements for getting a discharge from bankruptcy.</span><br />
<span style="font-size: 14pt">4. What are Monthly and Target Contributions.</span><br />
<span style="font-size: 14pt">5. What are CCS programmes and services?</span></p>
<p><span style="font-size: 14pt;color: #333333">We will also share how CCS can offer guidance and support to help you and your family overcome financial challenges and rebuild your financial future.</span></p>
<p><span style="font-size: 14pt;color: #333333"><strong>Register now</strong> to secure your spot and take the first step towards regaining financial control and stability!</span></p>
<p>&nbsp;</p>
<hr />
<p><span style="color: #000000;font-size: 12pt">During the webinar,</span></p>
<p style="padding-left: 40px"><span style="font-size: 12pt"><span style="color: #000000">1.     You may use a nickname and may remain anonymous throughout the session.<br />
</span><span style="color: #000000">2.     Your microphone, video and chat functions, are disabled.<br />
</span><span style="color: #000000">3.     The list of webinar participants is not publicly visible.<br />
</span><span style="color: #000000">4.     You may use the Q&amp;A function to type in questions anonymously.</span></span></p>
<p><span style="font-size: 12pt"><span style="color: #000000">After successful registration, you will receive an email with instructions and a link to join this online webinar. </span><span style="color: #000000">To join the Zoom webinar, click on the link provided in the event confirmation email <span style="text-decoration: underline"><strong>10 minutes</strong></span> before the scheduled start time of the webinar. </span></span></p>
<p><span style="font-size: 12pt;color: #000000"><strong>You may need to check your Spam or Junk mailbox for the email</strong>.  </span></p>
<p><span style="font-size: 12pt"><span style="color: #000000">Email </span><strong><a href="mailto:education@iassessment.ccs.org.sg">education@iassessment.ccs.org.sg</a></strong><span style="color: #000000"> if you did not receive the event confirmation email.</span></span></p>
]]></content:encoded>
					
		
		
			</item>
		<item>
		<title>DMP Onboarding (16 Dec 2025)</title>
		<link>https://iassessment.ccs.org.sg/events/onboarding-251216/</link>
		
		<dc:creator><![CDATA[admin]]></dc:creator>
		<pubDate>Fri, 31 Oct 2025 03:06:59 +0000</pubDate>
				<category><![CDATA[Consumer Debt Management]]></category>
		<category><![CDATA[English]]></category>
		<guid isPermaLink="false">https://ccs.org.sg/?post_type=mec-events&#038;p=43856</guid>
					<description><![CDATA[Attend this webinar to find out how you can get started on your Debt Management Programme (DMP) on the right footing. Be familiar with what to expect in the weeks following the approval of your DMP by your creditors, how to make your first monthly instalment payments and the records that you are expected to keep. During the session, we will also share tips and pointers on managing your money the better way so that you can complete your DMP journey successfully. After successful registration, you will receive a confirmation email with a link to join this Zoom webinar. To join the webinar, click on the joining link provided in the event confirmation email 10 minutes before the scheduled start time of the webinar. You may need to check your Spam or Junk mailbox for the email.  Please inform education@iassessment.ccs.org.sg if you did not receive the event confirmation email at least 1 week before the webinar. When you click on the link, no Webinar ID or Passcode are required. During the webinar, 1.   You may use a nickname and may remain anonymous throughout the session. 2.   Your microphone, video and chat functions, are disabled. 3.   List of participants is not publicly visible. 4.   You may use the Q&#38;A function to type in questions anonymously. Thank you.]]></description>
										<content:encoded><![CDATA[<p><span style="font-size: 14pt;color: #000000">Attend this webinar to find out how you can get started on your Debt Management Programme (DMP) on the right footing.</span></p>
<p><span style="font-size: 14pt;color: #000000">Be familiar with what to expect in the weeks following the approval of your DMP by your creditors, how to make your first monthly instalment payments and the records that you are expected to keep. During the session, we will also share tips and pointers on managing your money the better way so that you can complete your DMP journey <em>successfully</em>.</span></p>
<hr />
<p><span style="color: #000000;font-size: 14pt">After successful registration, you will receive a confirmation email with a link to join this Zoom webinar.</span></p>
<p><span style="font-size: 14pt"><span style="color: #000000">To join the webinar, click on the joining link provided in the event confirmation email 10 minutes before the scheduled start time of the webinar. </span><span style="color: #000000">You may need to check your Spam or Junk mailbox for the email.  Please inform <strong><a href="mailto:education@iassessment.ccs.org.sg">education@iassessment.ccs.org.sg</a></strong> if you did not receive the event confirmation email at least 1 week before the webinar.</span></span></p>
<p><span style="font-size: 14pt">When you click on the link, no Webinar ID or Passcode are required.</span></p>
<p><span style="color: #000000;font-size: 14pt">During the webinar,</span></p>
<p style="padding-left: 40px"><span style="color: #000000;font-size: 14pt">1.   You may use a nickname and may remain anonymous throughout the session.</span></p>
<p style="padding-left: 40px"><span style="color: #000000;font-size: 14pt">2.   Your microphone, video and chat functions, are disabled.</span></p>
<p style="padding-left: 40px"><span style="color: #000000;font-size: 14pt">3.   List of participants is not publicly visible.</span></p>
<p style="padding-left: 40px"><span style="color: #000000;font-size: 14pt">4.   You may use the Q&amp;A function to type in questions anonymously.</span></p>
<p><span style="color: #000000;font-size: 14pt">Thank you.</span></p>
]]></content:encoded>
					
		
		
			</item>
		<item>
		<title>DMP Onboarding (2 Dec 2025)</title>
		<link>https://iassessment.ccs.org.sg/events/onboarding-251202/</link>
		
		<dc:creator><![CDATA[admin]]></dc:creator>
		<pubDate>Fri, 31 Oct 2025 03:04:36 +0000</pubDate>
				<category><![CDATA[Consumer Debt Management]]></category>
		<category><![CDATA[English]]></category>
		<guid isPermaLink="false">https://ccs.org.sg/?post_type=mec-events&#038;p=43854</guid>
					<description><![CDATA[Attend this webinar to find out how you can get started on your Debt Management Programme (DMP) on the right footing. Be familiar with what to expect in the weeks following the approval of your DMP by your creditors, how to make your first monthly instalment payments and the records that you are expected to keep. During the session, we will also share tips and pointers on managing your money the better way so that you can complete your DMP journey successfully. After successful registration, you will receive a confirmation email with a link to join this Zoom webinar. To join the webinar, click on the joining link provided in the event confirmation email 10 minutes before the scheduled start time of the webinar. You may need to check your Spam or Junk mailbox for the email.  Please inform education@iassessment.ccs.org.sg if you did not receive the event confirmation email at least 1 week before the webinar. When you click on the link, no Webinar ID or Passcode are required. During the webinar, 1.   You may use a nickname and may remain anonymous throughout the session. 2.   Your microphone, video and chat functions, are disabled. 3.   List of participants is not publicly visible. 4.   You may use the Q&#38;A function to type in questions anonymously. Thank you.]]></description>
										<content:encoded><![CDATA[<p><span style="font-size: 14pt;color: #000000">Attend this webinar to find out how you can get started on your Debt Management Programme (DMP) on the right footing.</span></p>
<p><span style="font-size: 14pt;color: #000000">Be familiar with what to expect in the weeks following the approval of your DMP by your creditors, how to make your first monthly instalment payments and the records that you are expected to keep. During the session, we will also share tips and pointers on managing your money the better way so that you can complete your DMP journey <em>successfully</em>.</span></p>
<hr />
<p><span style="color: #000000;font-size: 14pt">After successful registration, you will receive a confirmation email with a link to join this Zoom webinar.</span></p>
<p><span style="font-size: 14pt"><span style="color: #000000">To join the webinar, click on the joining link provided in the event confirmation email 10 minutes before the scheduled start time of the webinar. </span><span style="color: #000000">You may need to check your Spam or Junk mailbox for the email.  Please inform <strong><a href="mailto:education@iassessment.ccs.org.sg">education@iassessment.ccs.org.sg</a></strong> if you did not receive the event confirmation email at least 1 week before the webinar.</span></span></p>
<p><span style="font-size: 14pt">When you click on the link, no Webinar ID or Passcode are required.</span></p>
<p><span style="color: #000000;font-size: 14pt">During the webinar,</span></p>
<p style="padding-left: 40px"><span style="color: #000000;font-size: 14pt">1.   You may use a nickname and may remain anonymous throughout the session.</span></p>
<p style="padding-left: 40px"><span style="color: #000000;font-size: 14pt">2.   Your microphone, video and chat functions, are disabled.</span></p>
<p style="padding-left: 40px"><span style="color: #000000;font-size: 14pt">3.   List of participants is not publicly visible.</span></p>
<p style="padding-left: 40px"><span style="color: #000000;font-size: 14pt">4.   You may use the Q&amp;A function to type in questions anonymously.</span></p>
<p><span style="color: #000000;font-size: 14pt">Thank you.</span></p>
]]></content:encoded>
					
		
		
			</item>
		<item>
		<title>Business Debt Management Webinar (19 Nov 2025)</title>
		<link>https://iassessment.ccs.org.sg/events/biz-debt-251119/</link>
		
		<dc:creator><![CDATA[admin]]></dc:creator>
		<pubDate>Fri, 24 Oct 2025 02:22:14 +0000</pubDate>
				<category><![CDATA[Business Debt Management]]></category>
		<category><![CDATA[English]]></category>
		<guid isPermaLink="false">https://ccs.org.sg/?post_type=mec-events&#038;p=42554</guid>
					<description><![CDATA[Attend our FREE Business Debt Management webinar to find out 1.   The various credit relief support measures available for Micro and Small Enterprises (MSE) facing cashflow difficulties. 2.   Options MSE owners facing financial distress can consider when addressing business debts and avoiding bankruptcy. 3.   Information on the Sole Proprietors and Partnerships (SPP) Scheme, Enterprise and Consumer Debt Management Programme (DMP) facilitated by CCS. 4.   What to do next if you wish to consult our Business Credit Counsellor. &#160; After successful registration, you will receive an email with instructions and a link to join this Zoom webinar. To join the webinar, click on the joining link provided in the event confirmation email 10 minutes before the scheduled start time of the webinar. When you click on the link, no Webinar ID or Passcode are required. During the webinar, 1.   You may use a nickname and may remain anonymous throughout the session. 2.  Your microphone, video and chat functions, are disabled. 3.  List of participants is not publicly visible. 4.  You may use the Q&#38;A function to type in questions anonymously. You may need to check your Spam or Junk mailbox for the email.  Email education@iassessment.ccs.org.sg if you did not receive the event confirmation email.]]></description>
										<content:encoded><![CDATA[<p><span style="color: #000000;font-size: 14pt">Attend our FREE Business Debt Management webinar to find out</span></p>
<p style="padding-left: 40px"><span style="color: #000000;font-size: 14pt">1.   The various credit relief support measures available for Micro and Small Enterprises (MSE) facing cashflow difficulties.</span></p>
<p style="padding-left: 40px"><span style="color: #000000;font-size: 14pt">2.   Options MSE owners facing financial distress can consider when addressing business debts and avoiding bankruptcy.</span></p>
<p style="padding-left: 40px"><span style="color: #000000;font-size: 14pt">3.   Information on the Sole Proprietors and Partnerships (SPP) Scheme, Enterprise and Consumer Debt Management Programme (DMP) facilitated by CCS.</span></p>
<p style="padding-left: 40px"><span style="color: #000000;font-size: 14pt">4.   What to do next if you wish to consult our Business Credit Counsellor.</span></p>
<p>&nbsp;</p>
<hr />
<p><span style="font-size: 14pt">After successful registration, you will receive an email with instructions and a link to join this Zoom webinar. To join the webinar, click on the joining link provided in the event confirmation email 10 minutes before the scheduled start time of the webinar.</span></p>
<p><span style="font-size: 14pt">When you click on the link, no Webinar ID or Passcode are required.</span></p>
<p><span style="font-size: 14pt">During the webinar,</span></p>
<p style="padding-left: 40px"><span style="font-size: 14pt">1.   You may use a nickname and may remain anonymous throughout the session.</span></p>
<p style="padding-left: 40px"><span style="font-size: 14pt">2.  Your microphone, video and chat functions, are disabled.</span></p>
<p style="padding-left: 40px"><span style="font-size: 14pt">3.  List of participants is not publicly visible.</span></p>
<p style="padding-left: 40px"><span style="font-size: 14pt">4.  You may use the Q&amp;A function to type in questions anonymously.</span></p>
<p><span style="font-size: 14pt">You may need to check your Spam or Junk mailbox for the email.  Email <span style="text-decoration: underline"><strong><a href="mailto:education@iassessment.ccs.org.sg">education@iassessment.ccs.org.sg</a> </strong></span>if you did not receive the event confirmation email.</span></p>
]]></content:encoded>
					
		
		
			</item>
	</channel>
</rss>
