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Personal Finance

Be a plumber or be unemployed?

March 7, 2012 by AK71
I read an article in The Straits Times today on how a 50 year old Chinese plumber makes RMB10,000 a month clearing drains in Wuhan, Hubei, China. This is about S$2,000 and about 5 times more than what a fresh graduate in China is able to command as an office executive. The plumber has saved [...]

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Minimum Wage Move for Malaysia?

March 5, 2012 by FF
Malaysian Deputy Prime Minister said that the government had reached an agreement with the private sector on the need for a minimum wage policy.  Based on a certain website, it was rumored that the Cabinet had agreed to set a minimum wage of below RM1,000 for the 3.2million workers in the private sector, with a [...]

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cpf life plans refined from 4 to 2

March 5, 2012 by Patrick Lim
an announcement was made by Deputy Prime Minister and Manpower Minister, Tharman Shanmugaratnam during the Committee of Supply debates on the Manpower Ministry’s estimates in Parliament on Monday on another tweaking to the cpf life scheme introduced in 2009. when the cpf life scheme was launched, there were 4 plans available, namely: 1. life plus [...]

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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

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"I was cheap before frugal" – Classic

March 4, 2012 by B
I was reading a post recently debating about the differences of being cheap and frugal and it does strikes a resembility between the two. (Let’s skip “spendthrift” for a moment because it is a huge gap that we all can easily identify). Assuming you are buying over a pair of shoes which cost one at [...]

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My Passive Cash Flow Portfolio

March 4, 2012 by Dave
Today is the last day of February 2012. How time flies. I have done a quick analysis of my current passive cash flow portfolio and also placed down my progress for my goals. This will assist me to be on track of what I wanted to achieve. In a nutshell, I have created the simplified Cash [...]

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The one million dollar question

March 3, 2012 by Greatsage
If you were given a choice between having $1 million and gaining the ability to make multi-millions, which one would you choose? Many people, including me, would normally choose the former. After all, its human nature to dream of being rich, not having to work and to indulge ourselves. But look, how long can the [...]

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Reflection of the Journey Towards Financial Freedom

March 1, 2012 by Panzer
The more I travel along this journey towards financial freedom, the more I realise that I’ve grown a lot over the past few years. Partly it is due to growing older as I am approaching 41 years of age this year 2012. My coming to four years old daughter has also taught me more about [...]

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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

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You can’t out run the bear!

February 28, 2012 by Jared Seah
2 Greek friends were having beer one evening in the local taverna. “How about coming with me to the rekcus forest this weekend? I know a spot where there are lots of wild Saffron flowers!” Dimitris asked Yiannis excitedly. Now Saffron is one of the most expensive spice in the world… Why would Dimitris share [...]

in Categories: Investing, Personal Finance

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Standard Chartered Bonus$aver Account

February 28, 2012 by Martin Lee
Standard Chartered Bank has recently launched their Bonus$aver account, which offers an interest rate of 1.88% p.a. on the savings for the first S$25,000 in your Bonus$aver account. The account also comes with a Mastercard credit or debit card. To qualify for this special rate, you will need to spend at least $500 every month [...]

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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

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What can happen if you are at the wrong side of the market

February 21, 2012 by Ivan Guan
I always advocate that investors should not to pay too much attention to financial news. The main reason is that as a retail investor, your reaction just cannot beat the “big sharks”. This morning, when you may be having your company meeting, having a toilet break or even watching the computer screen, Reuters announced that [...]

in Categories: Personal Finance

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Singapore Budget 2012

February 21, 2012 by Lau
Deputy Prime Minister and Minister for Finance Tharman Shanmugaratnam announced the following initiatives relating to financial planning during the FY2012 Budget Statement in Parliament on 17 February 2012: - Increase in CPF Contribution Rates for Older Workers Lower CPF contribution rates for older workers were introduced to help improve the employability of older workers. Now, [...]

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Anyone keen on talk on “What should you do when you have children born of the failed marriage?"

February 20, 2012 by Wilfred Ling
Written by Wilfred Ling  Sunday, 19 February 2012 Occasionally I come across cases of failed marriages. It is critical that they must start to do an estate plan. This is important when the person has children born of previous marriage. Complexity is increased if they remarry and have children born of the new marriages. The following [...]

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Singapore Budget 2012

February 20, 2012 by Martin Lee
Singapore Budget 2011 was announced by Finance Minister Tharman Shanmugaratnam last Friday. The full Singapore Budget 2012 can be downloaded here. Apart from the changes affecting companies, what would be some of the changes or initiatives what would affect individual Singaporeans either directly or indirectly? Here’s a quick summary of some of them: An acknowledgement [...]

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AK71 gets recognition from the government!

February 19, 2012 by AK71
Some time back, I wrote about how I was asked to take part in Eldershield. That blog post generated many good comments, putting forth arguments for and against me taking up Eldershield. In the end, I decided to take up Eldershield because of an appeal by LP, the blog master of “Bully the Bear”. He said “…  [...]

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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 [...]

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