Archive

Personal Finance

When it comes to Money Management – irrational behaviour?

December 16, 2008 by Createwealth8888
A 45-year-old widow – believed to have lost HK$5 million of her late husband’s insurance money in Lehman minibonds – was discovered on Thursday night trying to kill herself, local media reported. Irrational behaviour – dump all eggs to buy one Golden Goose to lay golden eggs and hopefully to grow into a Golden Cow. [...]

in Categories: Featured, Personal Finance

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How bond prices are calculated & why it is useless for the individual investor

December 15, 2008 by Wilfred Ling
Many people know how to valuate the fair price of a stock but does not know how to valuate the fair price of a bond. Here is how it works & why I think it is useless to the individual: The fair price of a bond (or equivalent the yield-to-maturity) of a bond is often [...]

in Categories: Investing, Personal Finance

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Living within your means by planning ahead

December 15, 2008 by Panzer
I was reading SgMusicwhiz’s blog post “Creating a Personal Budget” and was inspired to write a related post discussing how you can live within your means if you track your expenses and plan ahead. You can read his post for the basic framework on how you can plan your personal budget. Record your past and [...]

in Categories: Featured, Personal Finance

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Some things about Wills (1)

December 14, 2008 by Adrian Khiat
I have been emailing articles called “Health & Wealth” and “The 3 minutes investment updates” on a monthly basis to my clients and prospective clients over the years. I strive to keep them abreast with the investment climate and Financial Plannings issues such as CPF Changes, Medishield changes, etc. It has been my service and [...]

in Categories: Featured, Personal Finance

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Personal Finance Part 10 – Creating a Personal Budget for 2009

December 13, 2008 by Musicwhiz
As the year-end approaches and a new year beckons, it’s time for the common man on the street (i.e. you and me) to plan and budget for the new year and the challenges it may bring. Next year is particularly important for this budgeting exercise as it has been widely tipped to be a “recession [...]

in Categories: Featured, Personal Finance

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Small changes in Electric Tariff?

December 11, 2008 by Tiang Chuan
Since the electric tariff increased by 21.5% for October 08 to Dec 08, there has been increased attention on the price of electricity, especially during the current economic downturn. Following the drop in oil price, the tariff will decrease by 24.7% for the Jan 09 to March 09 period. There was an advertisement on the [...]

in Categories: Featured, Personal Finance

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Two sources of loss on your investment

December 10, 2008 by Tan Kin Lian
Hi Mr. Tan, I was surfing the internet and came across your website. Recently, I feel very depressed because I realised I was conned by my own advisor who is also a friend of mine. I trusted her too much. I bought a few policies with her. Due to the bad market situation, I lost [...]

in Categories: Personal Finance

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What is Wealth? I am not Rich nor a Millionaire

December 3, 2008 by Createwealth8888
Wealth has also been defined as “the amount of time an individual can maintain his current lifestyle for, without any new income.” For example if a person has $1000, and their lifestyle dictates $1000 per week of expenses, then their wealth is measured as 1 week. Under this definition, a person with $10,000 of savings [...]

in Categories: Featured, Personal Finance

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Your choice of home impacts your financial freedom [1 Year Ago on Five Cents Ten Cents]

November 28, 2008 by Panzer
Singapore has one of the highest rates of home ownership in the world. Most Singaporeans, including myself, own our own homes. Your home is your single biggest investment you will make and has a fundamental impact on your lifestyle and your retirement because our retirement fund — the central provident fund (CPF) ordinary account savings [...]

in Categories: Featured, Personal Finance

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How to blossom like a flower towards financial freedom

November 23, 2008 by Panzer
You’ve heard of the saying, “You reap what you sow” and it rings true for the journey towards financial freedom too! If you want to blossom like a flower towards financial freedom, you can consider doing what flowers have been doing for millenia to survive and thrive Darwinian style. Flowers are used by many plants [...]

in Categories: Personal Finance

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A ticking time bomb?

November 20, 2008 by Patrick Lim
In my blog entry on October 18, 2008 under the title: Do the right thing. I highlighted a warning of the double whammy facing policyholders of regular premium investment-linked policies in the light of the current global financial turmoil which is reproduced here in full: “The majority of my concerns lie with regular premium investment [...]

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A Grateful Email

November 19, 2008 by Adrian Khiat
I received an email with the heading “Very grateful to your advice” recently. I’m glad that I managed to help a stranger away from such Regular Premium ILP. Adrian I am a structural engineer, 27 yrs old, and earn a salary of S$4700 per month. Last week, I was determined to have an investment plan [...]

in Categories: Insurance, Personal Finance

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How I was misled (1)

November 19, 2008 by Tan Kin Lian
Dear All, I have written to H and MAS 3 weeks ago. Until now, I have not got any reply from them yet. I have bought Pinnacle series 6 & 7 from H. I felt that I am misled and I this was what happen to me. Last year June 2007, I was looking around [...]

in Categories: Investing, Personal Finance

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It’s Not How Much You Earn, It’s How Much You Spend

November 19, 2008 by Panzer
When I was growing up, I remember thinking that I wanted to earn as much money as I could so that I could spend as much money as I wanted. Now that I’ve grown up, I realised that it’s not about how much you earn but it’s about how much you spend. Financial freedom is [...]

in Categories: Personal Finance

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Surviving through lean times – Part 2

November 11, 2008 by La Papillion
By: La Papillion Having talked about how to cope with possible recessionary fallout by trimming expenses and boosting income in order to boost savings, here I’m going to share about how to prepare myself psychologically for it. I believe the psychology part of preparing for the recession could be much more important than just the [...]

in Categories: Personal Finance

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How to live and fight another day during this crisis

November 9, 2008 by Panzer
By: PanzerGrenadier I was laid up with the flu-bug over the last few days and spent one whole day resting in bed to allow my body to recuperate. When you are sick, you need to rest so that your body can recover. When you are tired, you need to take a break, so that you [...]

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Surviving through lean times – Part 1

November 9, 2008 by La Papillion
By: La Papillion Possibly facing my first recession since I started work 5-6 yrs ago, I think it’s a good time to figure out how to tide over this rough period. Fail to plan, plan to fail, they say. I think I need to think about 2 aspects of coping with the possible recession – [...]

in Categories: Personal Finance

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What Is Assets Allocation All About?

October 30, 2008 by Helmi Hakim
By: Helmi Hakim It is COMMON in the finance world for us to hear these jargons like “assets allocation“, “rebalancing” etc2… In this post, I will like to share with you 2 COMMON approaches, financial planners use to allocate assets of our clients efficiently and effectively. 1) Strategic Assets Allocation Example: If my client get [...]

in Categories: Investing, Personal Finance

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