Due to work commitments, I sometimes do a lot of runnings at night. I find that night running can help me to unwind the day’s activities and bring down my stress level. It also helps me to feel relaxed so that I can get a better sleep. After many rounds of night running, I have … Read More
Many a time, I have heard people saying that when it comes to savings or investing, it is always good to start early. Does it really make sense? How big is the effect of saving or investing early? If I have 20 years to save or invest Say if I have 20 years ahead … Read More
Recently the Government has introduced the latest round of property cooling measures. In this round of property cooling measures, adjustments to the Additional Buyer’s Stamp Duty (ABSD) rates and Loan-to-Value (LTV) limits on residential property purchases are made. In my previous article, we have discussed the effects of ABSD. Here we will discuss the changes … Read More
Recently, the Government has introduced the latest round of property cooling measures. In this round of property cooling measures, adjustments to the Additional Buyer’s Stamp Duty (ABSD) rates and Loan-to-Value (LTV) limits on residential property purchases are made. The Additional Buyer’s Stamp Duty amount went up, while the Loan-to-Value (LTV) limits went down. Residential … Read More
Recently I have the privilege to attend a guardianship planning seminar conducted by FPSB (Financial Planning Standards Board). What is FPSB? Their mission statement below, taken from their website explains it well: FPSB (Financial Planning Standards Board)’s Mission To benefit the global community by establishing, upholding and promoting worldwide professional standards in financial planning. FPSB’s … Read More
Upon the request from a friend in Ontrack.sg Facebook page, I will share my thoughts on injury prevention. Please note that the sharing below is based on my own experience, and if you have doubt or suffer any injury – the right thing to do is to consult a doctor nearby. Progressive training In … Read More
Many years ago, I started to look at my wealth accumulation process after reading this book called The Richest Man in Babylon by George Samuel Clason. This is one of those book that helps me to kick start my savings and investment journey. It helps me understand how to save and to how to accumulate my … Read More
If I have some Cash on hand and some CPF on hand, should I use my CPF funds for purchase of the property first or should I use my Cash first? Understanding the returns that you will be getting from your funds The first question I will ask myself before deciding on using cash … Read More
Having use your CPF monies when you purchase a your property comes with an opportunity cost. So what is the opportunity cost? Here we will explore how the use of CPF can work for you or work against you and hence affecting the profit you can get when you sell your property. First, Understanding … Read More