John Cheng
I used to work hard at earning money each month. However, at the end of each month, I don’t seem to have any money left in my bank account. Saving money seems to be a challenge to me. No matter how much I earn that month, I don’t seem to be able to save at … Read More
Can I Use CPF funds to pay for second or subsequent residential property? If yes, how should I use my CPF funds? Some of us may desire to finance our retirement or getting another stream of retirement income through property rental income. We may wish to buy more properties so that we can create a … Read More
I have been wanting to wake up and run early in the morning. Running early means I can certainly be free from all distractions like phone calls, messages and free up the rest of my day for other things. After running, it can likewise make me more energized for the day, making the stressful day … Read More
I have been doing regular planning for many of the people that I met on their property portfolio. In fact, over the last 3 years alone, I did more than 150 detailed property portfolio planning and financial analysis for them. I discovered nowadays we are regularly fed with property market information compared to many years … Read More
In a freak accident while I am skate scooting with my boy, I fell and landed awkwardly hard on my right hand. Immediately after the fall, I don’t really feel too much pain. Perhaps it’s just a normal kind of fall. My boy turned back and laughed at me for being so clumsy. In his … Read More
Recently I met a person who consulted me on his property matters. He wanted to know if he should buy more properties so that he can accumulate more for retirement and to fulfill his life’s dreams. He told me that he has attended various property courses and had gain different understanding on what he has … Read More
Besides capital appreciation and rental yield, is there a third way to profit from property investing? In property investment, investors believe they can only profit from it through two different ways. One way is through the capital appreciation of the property value, and the other way is through the rental returns from renting out the … Read More
If property prices of a country go up by 10% in a year, most of us would think that the property prices are getting more expensive and possibly a bubble may be imminent. If property prices move down by say 5%, we may think otherwise that the prices are getting cheaper. This case will be … Read More
One of my most preferred time to run is during the night. I find running in the night is one of the best moments of the day for me to be fully relaxed and clear my mind of all the day’s worries. During one of those runs, I started asking myself what is the meaning … Read More
The Land Transport Master Plan charts out the long-term vision of Singapore’s land transport system, and how it will look like in 2040 and beyond. It is an encouraging step forward to improve our future transport network. I believe it will bring a lot of time savings, convenience and thereby creating better lifestyle to residents … Read More