financial freedom

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

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

Once in a while, my friend or my client will ask me if Singaporeans are really that rich? The showrooms seem to be packed and so many people are balloting for new launches. From time to time, we do see in the news on condo units being snapped up, or how successful the new launches … Read More

Most of my friends including me has been working very hard. The daily grind has really taken a toil on us, especially when we are no longer young. No longer we are in our twenties. In between all these toiling, sometimes I ask myself what is the reason behind all these and why am I … Read More

Recently I chanced upon this publication: Singapore in figures 2018, compiled by Statistics Singapore. Inside this publication, there are many interesting facts and figures about Singapore population, housing, trade etc. You can find out more information of this publication from www.singstat.gov.sg. I have extracted some of the key segments from this publication, which I think is … Read More

With the cooling measures in place and additional buyer stamp duty, some Singaporeans may consider investing in overseas property to avoid the tight regulations here. Just like all investments, investing into an overseas property does carry some investment risks. Here I will share the 10 things to take note of before you buy a foreign … Read More

After my 21 days of fit bod fat purse challenge, I am fitter and of course $1053 dollars richer! On top of these 2 benefits, I have learned 5 important lessons from this challenge.   For the benefit of those who does not follow this challenge, the 21 days fit bod fat purse is a … Read More

In my previous article, I shared that Leverage is generally a very good tool in property investment. It will work out well if you use it carefully and prudently. So how much leverage you should take on before it becomes too excessive? Let us explore some important debt ratio here. Total Debt Servicing Ratio (TDSR) … 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 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