Archive

Guru

How to pay yourself first

April 12, 2012 by Guru
How to Pay Yourself First Whether you’re creating a budget, spending your latest paycheck or paying off old debts, it’s all too easy to overlook your need for savings. If this sounds familiar, it may be time to rethink your priorities and tweak your spending habits accordingly. You should be your own top financial priority. [...]

in Categories: Investing, Personal Finance

Read more →

Housing matters

March 18, 2012 by Guru
Being a parent has taken up lots of time and energy, it is indeed refreshing to have the time to blog when one has a family. This month has been eventful, first I got some guy from Channelnewsaia inviting me to attend their programs about middle class struggles, then I got to know that my [...]

in Categories: Personal Finance, Property

Read more →

Urgent request, any bloggers want to be on channelnewsasia?

March 4, 2012 by Guru
Hi Kelvin Have you managed to ask around for friends who share your views? I urgently need to find someone to take your stand during the show, which is why your blog appealed to me. If you are aren’t able to find someone, could I please trouble you to post on your blog, for people [...]

in Categories: Investing, Personal Finance

Read more →

Financially quite tight after the purchase

March 1, 2012 by Guru
I have came across all kinds of people during my part-time work as a real estate agent. I am not entirely “into” this job but the income earned is useful for the cash flow. Last July, I closed a deal with this particular customer;Background for this client was that they are a couple in their late thirties, they [...]

in Categories: Personal Finance, Property

Read more →

How to develop personal goals and objectives

February 25, 2012 by Guru
I came across this old posting on indianblogger and thought this is very well written;Every ambitious human being would of course like to quote”once you are born do it in a style”. As a striving human being your goals are much more important for you and for that you have formed your objectives. Objectives are carefully formulated strategies [...]

in Categories: Personal Development

Read more →

Middle Class struggles in Singapore

February 24, 2012 by Guru
The Middle Class really struggles in Singapore. I am not sure the exact income group to really categorized as one, but I believe among me and my peers, most of us belong to this class.  This post is not to complain about life being in the middle class, but to look at the common reality of life [...]

in Categories: Investing, Personal Finance

Read more →

Personal finance – Car Management

February 18, 2012 by Guru
Many years ago, I was debating with a good friend how much we needed to earn before we can afford to buy a car. The amount came to 3,000SGD. However, after much deliberation, I realised the amount is greatly insufficient. I always wanted to get my own car since I started work, images of sports car [...]

in Categories: Personal Finance

Read more →

Does good education guarantee success in life?

February 13, 2012 by Guru
Many parents are putting in savings or endowment plans to plan for their children’s education. The estimated cost of a tertiary degree education is expected to be double or triple in 20 years time. Singaporeans being the kiasu lot will want their kids to have the finest education in top schools and many often do [...]

in Categories: Investing, Personal Finance

Read more →

New work year and First blog articles being re-published

February 11, 2012 by Guru
The start of my dragon work year has been super tiring and eventful, I can’t believe I had to work overtime continuously daily ever since I have a baby. Thank god for the confinement nanny here and her presence has indeed helped to lower our burden at home. Work is work, I have no complaints. But I [...]

in Categories: Personal Finance

Read more →

Financial matters for 2012

February 4, 2012 by Guru
A couple of years back, I used to envy people driving that Lexus luxury car and was so tempted to get one for myself, I told my friends I will get one of those as my next car, a rich man son’s friend of mine even encouraged me to get one as he said this might enhanced my image in [...]

in Categories: Personal Finance

Read more →

Personal finance 2 – spending habits

January 31, 2012 by Guru
I must admit I am not overly qualified to write this, but I would like to share my own personal experience on spending habits and hope that people will also come to realise the importance of good spending habits. I grew up during the era where there was a silly trend for youngsters to wear [...]

in Categories: Investing, Personal Finance

Read more →

Personal finance 1 – Savings

January 29, 2012 by Guru
Do you have a rich father? If no, please continue to read this. Savings for Singaporeans is a must have, it is something we need to have and accumulate, if not, we are probably unable to fulfil the below needs: Car:To be able to afford a car, you need to have savings to cater for at [...]

in Categories: Personal Finance

Read more →

Not losing sight of what is important in the dragon year.

January 24, 2012 by Guru
It is another brand new year again! The year of the water dragon is expected to bring lots of volatility and uncertainties in 2012. The stock market has yet to recover to the previous peak in 2010 and we are still unsure when the market will complete the down cycle.Companies will continue to stay cautious [...]

in Categories: Investing, Personal Finance

Read more →

Survival in working till 50s and retirement

January 20, 2012 by Guru
I see many articles on retirement planning and all, I start to think how can one really plan for retirement in today’s volatile business environment. If you flip today’s Straits Times, you can read that Eastman Kodak, has filed for bankruptcy yesterday. This is one of America’s most notable companies and has a long history. [...]

in Categories: Personal Finance

Read more →

Singaporean in debt

January 15, 2012 by Guru
The current starting median pay for polytechnic graduates is 2000$. The starting median salary for University graduates is about 2700$. The average median salary per month for Singaporeans in 2011 is 2710$. I really wonder how can Singaporeans stay out of debt if they continue to spend. Take some example, a Singaporean couple fall in [...]

in Categories: Personal Finance

Read more →

Tips on how to safeguard $$ for drivers

January 14, 2012 by Guru
I am sad to say I might had contributed to the cash reserves at ministry of transport this month,it was a moment of complacency that might led to me being potentially a few hundred dollars poorer. While I am waiting for the red letter. I would like to share below tips with fellow drivers ; [...]

in Categories: Personal Finance

Read more →

Interesting Post on long term investing

January 10, 2012 by Guru
I was in this FSM forum thread where somebody posted his views on long term investing. Here he challenged on the logic of long term investing and compounding of stock/Unit trusts. I think it is pretty interesting and I am trying to find out more from him. I am not in support of his views [...]

in Categories: Investing

Read more →