Investments

7 Deadly Investment Sins

The definition of INVESTMENT is as follows: it is money committed or property owned that is acquired for future income. It has two main classes namely: fixed income (e.g., bonds or fixed deposits) and variable income (e.g., property ownership). Mark Tier, the author of “The Winning Investment Habits of Warren Buffett & George Soros”, argues that they are seven deadly investment sins that unwary investors make. What is observable with these so-called sins is that they are all irrational investment

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Credit & Loan

Undestanding the Total Debt Servicing Ratio (TDSR) in Singapore

TDSR Singapore

If you are planning to buy your first property, you will be made to get accustomed to a term call “TDSR” or Total Debt Servicing Ratio (besides SIBOR, LTV and the likes) introduced on 28 June 2013. Not surprisingly, 1 in 3 home buyers are not familiar with how the TDSR works. TDSR is one of the 8 rounds of property cooling measures enforced the the Monetary Authority of Singapore (MAS) since the financial meltdown of sub-prime crisis in 2008. It has

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Lifestyle & Hobbies

5 Affordable Beauty Hacks You Must Try Now

When you are caught in a beauty dilemma, you need a quick solution! In order for fast action to happen, health care products that are already available can be used. Here are 5 Affordable Beauty Hacks that can make your life easier… 1. FOR YOUR SHINY FACE To deal with your shiny face, you may use hand sanitizer or Sticky Notes (e.g. Post-it). Hand sanitizer has “dimethicone” that smoothens the skin like a primer and provides a protective coat locking

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Lifestyle & Hobbies

11 Cheapest Items on the First Months of 2015

Some items are cheaper at certain times. Hence, with planning and knowledge, you will be able to save more money when purchasing throughout the year. Here are the 11 cheapest things to buy from January to March 2015: IN JANUARY 1. HOLIDAY ITEMS Holiday items such as surplus or unused gift cards, Christmas decorations, and wrapping papers are now selling with discount in stores and in the Internet (e.g., eBay or Carousell). Buy now, as their condition and use will

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Investments

Learn About Mutual Funds Before Investing

Mutual Funds Mutual funds are investments that gather the investors’ money into a pool to make multiple types of investments, known as the portfolio. Professional money or investment managers, who invest the fund’s capital and attempt to produce capital gains for its investors, operate the mutual funds. The investment manager’s compensation relies on how well the fund performs. In this way, you can be assured that they will work hard to make sure the fund grows well. As a mutual

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