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Private Property Sale Increased in Singapore

Suprising considering the fact that the many people whom i have spoken too has been complaining about how sluggish the economy has been. 

Still i guess it is a good sign for the property market to begin picking up while i am also hoping it is not a calm before the storm

SINGAPORE – The private residential property market has continued its momentum into the new year, in a further sign that the market is on the mend. Sales rose 17.6 per cent last month compared with the same period in 2016, with developers selling 381 units… Credits: New private home sales continue to rise
 

Slow down of economy in Singapore

Yes this is some thing that we can feel on the ground. Business has been slowing down to a trickle, less than half of what it used to be and this is feedbacks from several business owner from different industry such as F&B, Services industry, retails and more.

The problem is that the slow down has started since after the Chinese New Year, which means it has been more than 6 months since the slow down has begun.

I doubt the goverment has no knowledge about this seeing how govt. assisted loan has been hitting the market for SME owners. 

How bad will things be this time round? We can only wait and see.

SINGAPORE – Companies in Singapore were the most pessimistic among their Asian peers in the third quarter, a Thomson Reuters/Insead survey revealed yesterday, as concerns over slowing economic growth, weak global demand, manpower shortage and a flagging oil… Credits: S’pore business sentiment crumbles amid domestic, global concerns
 

How To Be Successful With Your Personal Finance

The more you understand about money matters, the more successful your life will be. Our ancestors had to learn to deal with money the hard way. Most of us do not live that way anymore. Using the tips in this article will help you make your money work for you.

Eat as if you aren’t a tourist when you want to save on food costs when traveling. Restaurants in busy tourist areas tend to be the highest priced, so find out where the locals eat. From local restaurants, you will find more ethnic food for less money.

Keeping track of all of your expenses is important towards developing a solid plan for the future. However, if you write it in a notebook that gets closed and set aside until you open it again the next day, it might become a case of “out of sight, out of mind”. Instead, try setting a full-size whiteboard in your bedroom or office to list your expenditures. Since the notes will be constantly visible to you, you will stay aware of your fiances.

It is in your best interest to keep track of important deadlines and dates for filing income taxes. For a faster refund, file as early as possible. However, you should wait until April to file if you plan on owing taxes.

Try using the automatic withdrawal plan at your bank so that you will automatically have money transferred into your savings account at regular intervals. This can be a great way to save money. This is extremely beneficial when you are saving money for something like a luxury vacation or wedding.

One best practice for maintaining healthy credit is to only use two to four different credit cards. It can take quite some time to establish a satisfactory credit score if you only utilize one credit card, but if you use more than four, you are unable to handle your finances in an efficient manner. Use two cards to start, then add new cards as needed to build your credit.

When you are thinking about your finances, you should be patient. It is very commonplace for people to purchase the latest electronic gadget the first day it is released to the public. This usually results in paying top dollar for an item, whereas if you waited just a little, you could have saved a lot. This way, you will have extra money to spend on other things.

Knowing how to manage your finances is great to have in your arsenal of tools as a person. If you can be aware of your money, where it is going and why, your life as a whole and financially will be simpler. If you use these personal finance tips, you will have a much easier time managing your money.

How To Maximize Your Personal Finance Efforts

Being a financial expert is not needed to control your personal finances. A bit of common sense combined with some proven techniques will let you save money while building wealth.

Stop spending money on things that promise you money overnight. Don’t waste your money on a program consisting of nothing but empty promises. Expanding your knowledge is important, but it is more important to actually pursue relevant and valuable experiences.

Documenting each purchase you make daily can allow you to learn where your money is going. A notebook that is easily set aside or lost is probably not the best method, as it is often soon forgotten. This is why you should install a white board into your bedroom, kitchen, or even your office so that you can write out your expenses. That way, you see it more frequently.

If you want improved personal finances, avoid debt whenever you can. While some debt is inescapable, such as mortgages and education loans, you should work hard to avoid toxic debt like credit cards. The less you have to borrow, the less hard-earned money you will lose to interest and fees.

To achieve a more stable financial situation, you should open up a savings account and put money in it regularly. This way you might not have to apply for a loan when you need money, and also you will be able to face most unforeseen events. You might not be able to contribute as much as you would like each month, but every little bit helps.

If some of your debts are in collection, you should know that there is a statute of limitations for collecting on debts. Find out when your debts will become obsolete and refuse to pay back anyone who is trying to get money for an expired debt.

Frequent Flier

If you fly all over the world on a regular basis, then you need to take advantage of frequent flier programs. A lot of credit card companies give rewards or discounted flight tickets to be redeemed from purchases for no additional charge. Some of the major chain hotels even take frequent flier miles towards reduced rates, or even free lodging.

As proven above, everyone can make changes to live their lives within their financial means and increase their personal worth, leading to the happy financial life that they desire. By doing some rational thinking and heeding these useful personal finance suggestions, you will save, lower your debt, manage your expenses, and have of final control your finances.

Personal Finance Advice You Can Start Using Now

Unfortunately, a lot of people seem to have financial lives that are out of control. Many times, this is because they are not properly informed on the subject. There is no need for you to worry because this article provides the advice you need to avoid personal financial disaster.

Manage your money to be successful. Sources of profit need to be safeguarded and surplus capital should go into investments. When you put some of your profits into capital, this builds a foundation to grow upon. However, when you utilize those profits wisely, you can watch your money grow as return on investment. Decide on a plan ahead of time regarding your profits and capital.

Watch trends when trading in forex. Always know the market so you know when to buy and sell. It is usually a bad idea to sell when a currency is experiencing a trend, whether it is an upswing or a downswing. You must have a goal, and stick to it during these wild trends.

In these times, spreading your money into different areas is a great idea. You should have a part of your money in savings accounts, in checking accounts and placed in a diverse portfolio. Use these ideas to safeguard your money.

Having the proper health insurance policy is crucial in protecting your personal finances. Everyone will get ill at some point. The right health care coverage is important. In quick order you can run up a huge amount debt with doctor and hospital bills. If you have no health coverage, then it will cost you a lot of money out of your own pocket.

If you want financial stability, it’s important to have an established savings account into which you make regular deposits. If you do this, you can use your own money to cushion against unforeseen financial problems without having to take out a loan. Any amount that you put in savings is helpful. The best way to do it is to look at savings as a bill that you have to pay every month and this way you always put money in.

Money management can be difficult for some people. However, now that you’ve been provided with the advice above, you don’t have to be one of these people. Remember the advice you have read in order to improve your financial situation and reduce your stress levels.

Quick Online Personal Finance Tips And Tricks

Everyone must deal with finances in one form or another. Children, with little more then a weekly allowance, need to learn to make thoughtful decisions on how best to spread out their funds. The more money you make, the more important it is to be organized and sensible with your personal finances. Following are some tips that can help you improve your finances.

Watch the global market by viewing the world news. Americans typically ignore markets outside the United States, but they are especially important to note if trading currencies. Being knowledgeable about the world around you allows you to be more successful.

You should write down every penny you spend to find where you are blowing the most money. If you do write it down then put it aside until the next day, you don’t always have to stare at it and may forget about it. A better option is to track expenses on a large whiteboard that sits out in full view. By seeing it frequently, it will stay fresh in your mind.

Do not believe that credit repair counselors will fully help you. Many companies will make blanket statements about their ability to repair your history. There is no fix that will work for every situation, and these companies are not being honest with you. Not one person or company can promise a favorable outcome and to say differently is fraudulent.

Whenever you can, avoid debt. This will result in healthy personal finances. There are certain types of debt that you cannot escape like mortgages. Yet you should not opt to take out credit cards and build debt that way. Avoid borrowing money that has high interest rates and fees associated with it.

It is a good idea to always file your personal taxes when they are due. If you file for your refund with the IRS early, you will receive your money much quicker. If you owe the IRS money, file as close to April 15 (the due date) as you possibly can.

Consider having an automatic transfer monthly that will put money in your savings account from your checking account. This method makes it easier to increase your savings over time. You can also make use of this plan to save up for major purchases or expenses, such as vacations and weddings.

These tips will help anyone understand and shape their personal financial situation into a healthier, more productive situation. No matter whether you’re starting with five dollars in the bank or with five thousand in investments, the same principles apply, and you can use tips like these to boost yourself into a new, better way of life.

Use These Great Tips To Improve Your Personal Finances

Many people think that only the assistance of a finance professional will enable them make to smart investment decisions and maintain a healthy personal finance profile. The truth is all you need is the right type of information. When it comes to managing personal finances, knowledge is king. Keep on reading to figure out how you can get your financial situation back under control.

Keeping a log of exactly what you spend on a daily basis will allow you to figure out exactly where your money is going. If you put your notes in an obscure location, though, it may be too easy to forget about it. Instead, create a big chart or board at home and use that to list all your expenses. It’s hard to overlook such a large board, so this can help your goal stay on the forefront of your mind.

Be suspicious of a credit repair company that guarantees that they will be 100% successful in restoring your perfect credit. A lot of credit repair organizations will make broad, general statements about what they can do for you to clean up your credit. Remember that every credit situation is different, so there is no blanket cure. Not one person or company can promise a favorable outcome and to say differently is fraudulent.

Stay on top of your personal finances by making concrete plans for your financial future. The use of a plan will provide motivation, as well a logical reason to put money in certain places, rather than following your impulses at random times.

Instead of using credit cards that are almost maxed out, spread it between other cards. The payments on a maxed-out account is more than the combined interest of two cards with smaller balances. The lower amount will be less of a burden to your credit, as long as you stay in control of both cards.

Personal Finances

It is important to learn appropriate methods for budgeting your money in order to get your personal finances in order. If you invest the time in learning how to manage your personal finances, you can cut your spending and increase your savings. Apply the above tips to your own financial program, and you will find yourself headed in the right direction towards a financially successful future.

Get Your Finances In Order With These Tips

Many individuals like to ignore the things associated to their financial difficulties. The information in this article can help you get the upper hand over your budget and make your money work for you. Get a grip on your finances now!

Use multiple credit cards instead of maxing out one. Multiple card interest should be lower than paying back the maxed out one. This should not hurt your credit score; you might even be able to increase it if you always pay your bills on time.

One way to improve one’s personal finances is to cut back on expensive restaurant trips and, in fact, to avoid all sorts of ready-made meals. Grocery shopping and cooking in your own kitchen will help your bottom line, and will also foster a love of making delicious food for your family.

You have to get out of debt before you can rebuild your credit score. Cut back on spending and pay off debts, loans and credit cards. Perhaps you can resolve to eat at home more often and stay in on the weekends. Little things, like bringing a sack lunch to work or avoiding excess spending on weekends, add up over time and can help you to save enough money to pay off your debts and repair your credit.

Do you do your banking online? Make sure to sign up for electronic alerts. Banks frequently notify their customers of significant account changes with online alerts. This type of alerts will stop you from overdrawing your account and you will be informed right away in case of fraud.

Focus on credit cards with a high interest if you want to get rid of your debt as soon as you can. You may be tempted to make payments on all of your accounts, but it is far more cost-effective to eliminate those debts which carry high interest rates. This is very important, since credit rates are expected to rise soon.

Buy the store’s generic brand instead of opting to purchase the well-known name brand. A lot of the times a brand name is only pricey because of the advertising they have to do. Buying cheaper, generic brands will save you a lot of money. Differences in quality and taste are often difficult to discern.

Know that when you do not maintain you home or car that you are not really saving cash in the long run. By taking proper care of your property, you will avoid bigger problems in the future. Taking care of your belongings is an easy thing to do and you will be amazed to see how much you can save.

Credit Card

Have you considered signing up for a credit card that offers a rewards program? Anyone who regularly pays off their credit card in full is the perfect candidate for this program. Rewards cards could compensate you with cash back, airline miles or even other things that you can use for everyday purchases. Look for a good percentage rate on your purchases and pick the card that offers the reward you like best.

Use the information presented here to address the financial issues plaguing your own peace of mind. You can take one step at a time to eliminating financial stress and improving your finances.