Owner: TheFinance.sg URL:htto://thefinance.sg Join Date: Sun, 15 Jun 2008 04:18:52 -0500 Rating:0 Site Description: TheFinance.sg is a collection of articles from various local bloggers who comes from different walks of life but share one common passion - Personal Finance and Investing.
The aim of this site is to bring together all bloggers, professionals or anyone Site statistics:Click here
Principal Guaranteed, Principal Protected 2008-06-14 20:00:12 By: Tan Kin Lian
Hi Mr. Tan,
Let me explain what I know about the difference since I have held some of these products before:
Principal
Guaranteed – The issuer (not necessary the bank selling you the notes) guarantees it. As long as the issuer does not go bankrupt you should be safe. However the issuer of such [...]
Trend of financial broker: Past, Present and Future 2008-06-14 09:18:09 By: Brendan
Having works in the different sectors of the financial industry, I think this will qualify me to give a few comments on the broker industry.
Price spreads
Ten years ago working as a broker in the forex market was easy money, because you can quote spreads as wide as 10 points to institutional clients and clients [...] Read more:Present
, Future
Mid-June 2008 Portfolio Summary and Review 2008-06-14 09:16:27 By: musicwhiz
The first half of June 2008 was a surprisingly quiet month for me as my companies had nothing much to report. I would assume that their business is chugging along fine, though of course as the global economy reels from high inflation and a receding economy, this would inevitably have some impact on my [...] Read more:Portfolio
, Summary
How to live and leave peacefully? 2008-06-12 11:30:11 By: Brendan
As I advance in my age from teenager to early adult and now in my 30s, my sense of insecurity increases. There are some concerns that are always in my mind. If I lost my job suddenly, who is going to pay for the mortgage? Who is going to pay for the bills? If [...]
They forgetful or I misrepresent? 2008-06-12 11:28:42 By: Adrian Khiat
As mentioned in my previous post, I have a lot to share about Shield Plans. I considered myself one of the top producer in term of Shield plans in my previous company. Small premium, big cover and I feel that its so important to be covered under a good medical insurance. “Top Producer”? [...]
Medishield Reforming again 2008-06-11 05:00:03 By: Adrian Khiat
On 11th April, our Health Minister, Khaw Boon Wan announced to unionist during a dialogue session about a proposed Medishield reform. The cover will be enhanced but with an increased of premium. The last reform was in July 2005 where Medishield was improved and all private plans are being integrated with Medishield.
What are [...]
Importance of back-testing in trading 2008-06-10 23:00:28 By: Brendan
There are many indicators that can to be used for as a tool for trading, namely RSI, MACD, Stochastics, Bollingerband etc. Some traders have their own favourite indicator which they think its most useful to track buy and sell signals. But have they been profitable in their trades? No, for most of them.
Over my [...]
Bull Market Baloney and Bear Market Valuations 2008-06-10 04:00:26 By: musicwhiz
Strange title eh ? At the risk of sounding silly, the title is supposed to represent my posting on the valuations inherently found within a bull market, versus a bear market. Interestingly, as we have observed currently, the bear market is not even fresh into a year (12 months), yet people seem to be [...] Read more:Market
How to profit from volatility in the forex market? 2008-06-09 08:28:26 By: Brendan
Most retail forex traders only know how to place directional trades, and miss the chance to profit
on volatility.
Everyday there are economic data from US, UK or Europe, namely Non-farm payroll, New Homes Sales, Unemployment, Personal Income, CPI, PPI etc; some of these datas can move the forex market rather wildly. So to trade [...]
Vicom 2008-06-09 08:24:15 By: La Papillion
Vicom is Singapore’s leading provider in technical testing and inspection services. Listed in 1995, they have 4 business segments: Vehicle inspection business, vehicle assessment, commercial/industrial testing and other services. Vicom group consists of VICOM and JIC inspection centres, VICOM assessment centre (VAC) and SETSCO services. VICOM and JIC centre is a one stop [...]
My recent claims experience 2008-06-15 20:00:10 By: Adrian Khiat
As promised from my previous posting, I shall share about my 3 claimsexperience
which happened over the last 1 month. Seriously, I’m doing so many claims that I’m so convinced on the importance of a medical insurance.
1st Claim - Cancer Chemotheraphy
Mr Ng was diagnosed with Lung Cancer since April 07. He underwent [...]
China New Town unappreciated 2008-06-16 08:26:02 By: Alen
Last Friday, Dow closed at the positive region, the coming week should see some rebound. After that, the bad news might get investor nervous again.
The only transaction I did last month was to buy China
New Town share. After watching it plunging from 80 cents to near 20 cents, I think it is a [...]
Singtel 2008-06-16 08:16:56 By: La Papillion
Business
Singtel had significant operations in Singapore and Australia, through a wholly owned subsidiary of Singtel Optus. They are the second largest satellite operator in Asia pacific, with international network providing direct connections from Singapore to more than 100 countries. Singtel had major investment in telecommunications industry in Thailand, India, Philippines, Ban
Saving for an early retirement 2008-06-18 06:30:06 By: Tan Kin Lian
Dear Mr. Tan,
I am in my mid 20s. I need your advise on planning for retirement
, savings and life protection. Frankly speaking, I have checked many products and are confused with what I need. I do not have much spare cash in the past as I have dependants.
My current pay [...] Read more:Saving
Same apple that cost so different 2008-06-17 23:00:14 By: Adrian Khiat
When I was a tied agent, I often thought that premium of similar coverage from different
insurance companies should be somehow similar. Pricing difference are expected but shouldn’t be too far apart. I thought that the market is efficient enough to identify rapidly if a plan is over or underpriced. I thought the [...]
Mega trends 2008-06-17 20:00:27 By: Brendan
The greatest transfer of wealth in the history of the world is well underway.
The wealth transfer is taking place because of two mega trends. The first is the high cost of oil and other raw commodities that net consumption nations like the US are forced to pay in the highly competitive world marketplace. When [...]
Pimco’s Bill Gross: Fooling With Inflation 2008-06-17 09:10:18 By: Drizzt
This is not the first time that i posted an essay by Bill Gross
. Why do i post so much article on the man? I admire him for his profound commentaries on the market. Sometimes it gets so profound that i need to reread what he wrote a few times just to get what [...] Read more:Inflation
The Cult of Consumerism: Why Savings is So Difficult in Singapore 2008-06-22 00:00:42 By: PanzerGrenadier
Singapore
is a consumer paradise. Shopping malls can be found everywhere. Flip open your newspapers and be greeted by 50% of the newspapers filled with advertisements for all manner of products and services. Turn on your television set and be bombarded with images that make you thirst for the latest gadget, fashion or services. [...] Read more:Savings
The Bull Hunter – Dan Denning 2008-06-21 22:00:41 By: La Papillion
This book is very meaningful to me. I remember in 2006, me and a friend just went over to DBS building there to just open a DBS Vickers account together (but not joint). After some time, my friend bought this same book and passed it to me for reading. I browsed a bit [...] Read more:Hunter
How to teach your children about money 2008-06-20 20:00:41 By: PanzerGrenadier
Originally Posted by Panzer at kidsRICH.
Singapore has one of the world’s highest literacy rates in writing, arithmetic and reading (3Rs - reading, ‘riting, ‘rithmetic), but we also have one of the highest financial illiteracy rates.
Why are most Singaporeans financially illiterate?
Financial literacy in my days of schooling was not taught in any formal way. About [...]
Rejection of Shield claim 2008-06-20 06:00:11 By: Tan Kin Lian
Dear Mr. Tan,
I am writing to you to seek your advice on how I should go about seeking redress with regards to my claim
with Y.
I bought the Shield
plan from Y. I was hospitalised 9 months later for angioplasty (ballooning). Y had written to state that they are not covering me [...]
Pacific Andes - FY 2008 Financial Review and Analysis 2008-06-19 20:00:03 By: musicwhiz
This review and analysis was long overdue, I admit, but analysis takes time and I did not want to do an analysis that was too short and shoddy in case I missed out something important. As it is, there was recently an interview with Pacific
Andes where CFO Dennis Chan gave updates on PAH’s [...] Read more:Financial
, Analysis
Financial Freedom 2008-06-19 08:21:02 By: Brendan Lee
Building wealth is all about having a system that implements fundamental steps that once you have learned can be applied to create wealth. These steps are crucial to achieving your FinancialFreedom
Day.
It is never too late to build a financial wall around you and your family that nothing can get through. This [...]
A writeup on Silverlake Axis (on NextInsight) 2008-06-18 20:00:20 By: DanielXX
No, this is not a hotstocknot article. I wrote this article for NextInsight about one of the lesser-known stocks in my virtual portfolio, and thought I’d reproduce it here in my blog. As always, grab the facts, but be sceptical of my opinions and think it through yourself.
You may be aware of a Stock [...]
Who’s the real culprit? 2008-07-05 20:00:25 By: Level13
Below are some of the versions we read about recently on the reasons behind the relentless price increase of commodities.
VERSION 1: Speculators
In the current global economic slowdown, it would be fundamentally reasonable to assume that consumption has gone down and prices have weakened. This indeed is the case for lead, zinc and nickel. Copper [...]
Pacific Andes - Rationale and Reasons for Increase in Stake 2008-07-05 09:31:24 By: musicwhiz
On July 3, 2008, I increased my stake in Pacific
Andes at an attractive price of 44 cents per share, thereby taking advantage of Mr. Market’s manic and depressive mood swings. Below are a list of reasons (including some risk factors outlined) which underlie my decision to purchase more of this company. This move [...] Read more:Reasons
, Stake
Are You Ready for Retirement? [Part 2 of 3] 2008-07-03 20:00:51 By: PanzerGrenadier
Part 2: Funding Your Retirement
Welcome to Part 2 of the three-part series “Are You Ready for Retirement?”. If this is your first time reading this series, you may wish to read Part 1 first.
We talked about what retirement means to us and realise it is different for each of us. What retirement means to [...]
Hedging of my forex positions using binary options 2008-07-03 05:50:42 By: Brendan Lee
Non-farm payroll (NFP) number is being released today at the exact same time that ECB President Trichet begins his press conference, which means that we could see unusual volatility at the morning of US hours. The ECB press conference and the Non-farm payroll report will either neutralize each other or be a toxic [...] Read more:Hedging
, positions
Economics events for the next 24 hours 2008-07-03 05:28:50 By: Brendan Lee
Today there are a few economics data announcements, the most important and impactful ones are Non-farm payroll and Unemployment rate. Both of these data are announced at the same time.
The timing in the calendar below is based on GMT + 8 hours. The 1st number of the left is the previous announcement figure, [...] Read more:Economics
, events
Are You Ready for Retirement? [Part 1 of 3] 2008-07-02 06:14:55 By: PanzerGrenadier
Part 1: What is Retirement?
Retirement means many things to many people. If you make reference to Wikipedia, they describe “retirement” as:
Retirement is the point where a person stops employment completely. A person may also semi-retire and keep some sort of retirement job, out of choice rather than necessity. This usually happens upon reaching a [...]
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