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Andy is my Business Coach. ie. I engaged him to teach me how to improve, to deliver more value-add to our clients...here's something I received from him, just to share with everyone. 7 Quality Questions...by Andy Ng, Business Coach & Trainer (www.asiacoachingtraining.com) 28/11/05 Note the diffe...

The Key Difference Between the Rich and the Poor for those who attended the "Billionaire In Training" seminar by Brads Sugar on 19 Oct (Fri), I'm sure you would agree that the 3 hours seminar was time well invested and personally, I have learned alot. Amongst other things, we learned about...

buying stocks trading at discount to Net Asset Value. Benjamin Graham has this rule of buying something for about half the price of the Net Asset Value. However, this way of investing is only useful for companies/business that "depend" on Net Asset Value for their business. eg. Banks, Fina...

As you might know, I speak on the Radio Financial Planning Talkshow on Capital Radio 95.8 FM every TUESDAY 11.15 am to 12 pm. The program is further extended to incorporate a special ?Q & A? session that listeners call in after the program ended on 12 pm where we will then ?broadcast? their ques...

Do you have fire insurance for your house? Most people said they have. The answer is both Yes and No. The type of Fire insurance most people have only covers the ?structure? of the building. It does not anything else. How much did you spend to renovate your house? (if it?s $50,000, sorry, this type ...

Dear HL, I would suggest that before you consider transferring some money from your CPF Ordinary Account to CPF Special Account make sure you have: 1. set aside enough money to pay for at least 12 months of Housing Loan instalments Thereafter, you can consider transferring some money into CPF Specia...

Dear Hl, from my personal experience, there's no evidence to show whether it's better to buy before of after XD (excluding dividend). The key before you invest is actually: 1. which stock to buy 2. when to buy To me the "when to buy" a possible way is to look at the charts (technical analy...

a member asked us: "How should one best cover one?s medical needs? A good way is to combine the following 3 to get maximum coverage while minimizing premiums: Critical illness cover Medical Insurance plan using CPF Medisave (can get up to $480,000 lifetime cover) Which has deductible and co-ins...

Decoding Financial Jargon When you're learning how to read and understand financial statements, a major annoyance will be the fact that many items go by different names. For example, you might have learned to look for "revenues" on an income statement, but the income statement you're looki...

a member asked us: "How should one best cover one?s medical needs? A good way is to combine the following 3 to get maximum coverage while minimizing premiums: Critical illness cover Medical Insurance plan using CPF Medisave (can get up to $480,000 lifetime cover) Which has deductible and co-ins...

Have you ever wondered which Insurer provides the BEST deal in Motor Insurance? Actually, the answer keep changing as the market is constantly changing. For instance, one month it might be Insurer A, another month later it might be Insurer H, 3 months later it might be Insurer C... As a result of ab...

Should you pay off your Housing Loan fast? Most Personal Finance books would advice you to pay off your housing loan fast. However, in my opinion, the housing loan should be the last loan you ever repay. My opinion was sought and published in Sunday Times 30 Oct 2005 in the article entitled "Se...

You might be wondering what is the outlook for Singapore Housing Loan interest rate. In my opinion, rates are still on an uptrend. Interest rates on housing loan moved up by about 1% in the last month alone, from about 2.2% to now about 3.2%....why? The main reason is interbank rates (the interest r...