Valentine’s Day is regarded as a romantic but expensive occasion by most couples, and this is mostly due to retail companies jacking up their prices during the celebration. As soon as February starts, one can expect the costs of flowers, chocolate arrangements and dinner plan to be more expensive than usual. With that said, you do not need to burn a hole in your wallet to celebrate the occasion well. It is possible to have an enjoyable, budget friendly Valentine’s Day with these following tips. 1. Cook The Meal There’s nothing more attractive to a woman than a man who[…]

It’s that time of the year, bring out the pen and paper for new year resolutions. If you are planning on making new year resolutions that are financially relevant in 2020, then stay on board and let’s look at the options. Thinking about improving your financial state and to have good financial health for 2020 is a great mindset to have for the new year. On your own, reflect on 2019. Are you happy with how it went? If you could do things differently about your finances and lifestyle in the previous year, what would they be? Now it’s a[…]

Here’s the question. What do you think is the best investment for your money? For all it’s worth, you invest in all the different investment instruments known in the market. From conventional fixed deposit accounts to unit trusts, REITS and shares – to more recent tech-led investments such as robo-advisory and bitcoins. And no, you’re not stopping there. You’re also looking at alternative investments such as gold, art works, expensive watches and designer bags. Ah, and how can we forget what we Asians love best – properties! In fact, investors all over the world are in pursuit of THAT investment[…]

As parents, what are your biggest concerns? It’s not too far fetch to say that your children are one of your greatest priorities in life. We all want the best for our little ones – right from the very first time we hold them in our arms, to the time they can finally stand on their own feet. Everything about them matters to us. Whether they have enough to eat, to wear, a good school to go to and if they can get into a choice higher institution and carve a career for themselves. And as parents, that would mean[…]

Wedding is a beautiful affair, but it can also be costly to those who are not prepared for it. A typical wedding can set couples back by at least an average of RM50,000 in Malaysia and even up to $100,000 in Singapore.  Fortunately, you don’t necessarily have to break the bank to make your wedding memorable. Here are some smart ways to save on your wedding for a wallet-friendly event. The last thing you want is to put a strain on your relationship after marriage due to financial issues. This issue is especially prevalent among divorce cases in Malaysia in[…]

Money and happiness. For most of us, we live in a make belief world of if-onlys. If only I had a better car, if only I can travel, if only I can afford better clothes…We believe that once we can afford these things, only then we can be genuinely satisfied with our lives. But is there a basis to such a belief? Researchers and experts have long debated and discussed the true factor to happiness. And along with it, is how happiness is related to money. It’s inevitable. In our society, money is important. We need money to eat. We[…]

I grew up in a middle-class income family. Money was certainly not something my mother would coin as easy. If there’s anything I remember about money as a child, it would be her favourite phrase – “You think money grow on trees ah??” in a typical Asian mum fashion. With two working parents, we had enough growing up. It wasn’t luxurious, but we weren’t entirely deprived either. There were enough to eat, we had a decent roof over our heads and the privilege of going to school. There were occasions where my parents gave in when I relentlessly wanted something,[…]

How can you relate a soccer analogy with investments? Easy. You can relate it for your asset allocation.  Successful asset allocation accounts up to 91% of a person’s financial success. What is asset allocation? It’s basically how you put your asset strategically into the different asset classes. This way you can optimize your return and minimize your risk. Using the Soccer Analogy, we’ve broken down the best way for you to allocate your assets. Whether you’re a retail or enlightened investor, you definitely need to check this out! Retail Investor As a retail investor, your Goalkeeper is your insurance or[…]

Finally ready to start investing in Singapore? Congratulations! That’s great news because if you’re seriously considering investing that means you’re also serious about achieving your financial freedom. We couldn’t be more ecstatic and happier for you! But at last, where should you start? Your first step to investments is opening up a brokerage account in Singapore. This process is fairly easy and nothing you should be intimidated about but we understand why it can be intimidating. Therefore, we’re here to guide you. Without further ado, let’s begin!  CPD Account There are basically two accounts that you need before you can[…]

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