Archive

Kay

Leaving without a will

May 22, 2010 by Kay
I was looking at the implications of not doing a will and what will happen to the assets of the deceased if a will was not done when the deceased was still alive. A search on the internet threw up a legal act which I thought it will be pretty useful to put it up [...]

in Categories: Investing

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Property crash of 1996

May 16, 2010 by Kay
I’m not sure if anyone still remembers the previous property crash of 1996 where prices of properties tumbled over 40% from the 2nd quarter of 1996 to the 4th quarter of 1998. Going by the euphoria sweeping the market and the tendency for people to forget, the bad memories of this crash are probably distant [...]

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Property crash of 1996

May 16, 2010 by Kay
I’m not sure if anyone still remembers the previous property crash of 1996 where prices of properties tumbled over 40% from the 2nd quarter of 1996 to the 4th quarter of 1998. Going by the euphoria sweeping the market and the tendency for people to forget, the bad memories of this crash are probably distant [...]

in Categories: Investing

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Dream Home Loans

May 4, 2010 by Kay
Dream Home Loans By Gabriel Chan and Harsha Jethnani Taken from the Sunday Times on 2th of May 2010 If you thought low mortgage rates would stay unchanged this year, think again. Over the last month or so, some banks have upped the spreads they charge above Sibor – the rate at which banks lend [...]

in Categories: Investing

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Be prepared for higher mortgage interest rates

May 2, 2010 by Kay
The graph belows shows the historical 3 months SIBOR chart starting from Jan 1988 to the SIBOR now. The data that were used from to obtain this chart was taken from MAS’s website here. The current SIBOR, at the time of publishing of this post, stands at 0.646% and this is one of the lowest [...]

in Categories: Market Review and Trends

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Be prepared for higher mortgage interest rates

May 1, 2010 by Kay
The graph belows shows the historical 3 months SIBOR chart starting from Jan 1988 to the SIBOR now. The data that were used from to obtain this chart was taken from MAS’s website here. The current SIBOR, at the time of publishing of this post, stands at 0.646% and this is one of the lowest [...]

in Categories: Investing

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Factors crucial to financial freedom

April 28, 2010 by Kay
There are three factors which I consider as crucial to get started on the journey towards financial freedom. To get started, I would define financial freedom to be the ability to sustain your desired lifestyle with little or no further work. That means that without having to work, there will still be income being generated [...]

in Categories: Featured, Personal Finance

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Factors crucial to financial freedom

April 25, 2010 by Kay
There are three factors which I consider as crucial to get started on the journey towards financial freedom. To get started, I would define financial freedom to be the ability to sustain your desired lifestyle with little or no further work. That means that without having to work, there will still be income being generated [...]

in Categories: Investing

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The more things change, the more things stay the same

April 19, 2010 by Kay
Has the sudden change of market taken anyone by surprise. Last Wednesday, the STI broke the elusive 3000 level by closing at a level of 3019.74, fueled by the news of an excellent quarterly GDP growth by Singapore. When I logged into Facebook on the following day, I saw a few comments that goes like [...]

in Categories: Investing

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Starting salaries for graduates in 2009

April 10, 2010 by Kay
The graduate employment survey for 2009, which is conducted by the Ministry of Education has been released and the official link is here. The course which has the highest starting salary in this survey is the Information Systems Management offered by SMU with a mean and median starting salary of $3,754 and $4,000 for those [...]

in Categories: Investing

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The fallacy of long term investing

March 29, 2010 by Kay
It is often advocated that investing in the long term for equities is the way to go. That is because equities are volatile so in the short term, one may suffer a temporary drop in the price of their holdings. But it has been seen historically that equities has a strong tendency to trend up [...]

in Categories: Featured, Investing

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The fallacy of long term investing

March 26, 2010 by Kay
It is often advocated that investing in the long term for equities is the way to go. That is because equities are volatile so in the short term, one may suffer a temporary drop in the price of their holdings. But it has been seen historically that equities has a strong tendency to trend up [...]

in Categories: Investing

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Raising the Threshold for CPFIS-SA Investment

March 16, 2010 by Kay
Raising the Threshold for CPF Investment Scheme-Special Account Investment From 1 July 2010, the first $40,000 of members’ Special Account balances will no longer be allowed to be used for investments. Given the higher risk-free interest rate on the Special Account, it is better to be more conservative than to subject these savings to the [...]

in Categories: Investing

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Definition of Critical Illness

March 14, 2010 by Kay
Critical illness plans are insurance policies which will pay out a sum of money if the policyholder is diagnosed as having a critical illness. However, if you are having such a plan, have you ever seen the definition of the critical illnesses which must be met first before the full sum of money will be [...]

in Categories: Insurance, Investing

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Make full use of interest free study loan

March 3, 2010 by Kay
If you are or you have kids who will be entering university soon, you should take advantage of the interest free study loan and tuition fee loan and use the funds to invest. The returns that are generated can be used to offset the cost of a university education slightly. Fresh undergraduates who will be [...]

in Categories: Featured, Personal Finance

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