Saving money is a great financial move to make. This is true for everyone, irrespective of the amount of income you get. It works as a security against unforeseen financial downfalls as well as gives you peace of mind.
Online banking is among the latest trends in the banking world. Nearly everyone currently prefers to access the bank services via the online platform, perhaps due to the many benefits that come with it.
Investing in a business is a good idea if you wish to increase your income. There is a wide variety of businesses which you can choose to invest in, both new and existing ones. The main goal of a business is usually to make a profit.


How to Choose the Best Money Lender in Singapore

There are times in this life when you are in need of money because you want to do something and you don’t have the money to do it. In case of such a scenario, you will need to look for a way to get the funds you want. One of the best ways is to look for a money lender  on who will give you the amount that you want. You will not only pick any lender, but you will be required to choose the best with better services and deals than other lenders in Singapore. There are many money lenders in Singapore and identifying the best can be tricky. In this article, we give you some guidelines which you can use in identifying the best money lender.

Establish the credibility of the lender

It will make some sense when you decide to check on the credibility of a money lender before you decide to moneycommit to it. You can check on the reputation that the lender has from clients who have had their services. Similarly, you can also check on licenses to understand if the lender is authorized to operate legally by the moneylender registry of Singapore. Besides you can consider checking on the experience of the money lender. Establish the period in which the money lender has been offering the services.

Check on interest rates

loanIt’s a fact that when you borrow money, you will need to repay it with accrued interest. The interest will be determined by the lender’s interest rates. You will find a credible money lender, but the interest rates might be an issue for you. It is advisable that you compare the various interest rates offered by various money lenders. You should also check on the hidden fees which the lender might fail to tell you until you agree to borrow from them.

Consider application and approval

Application for a loan is a process that is very tedious. If you have a bad credit history, you may face challenges and end up not receiving the loan you applied for. However, there are money lenders who are free to give loans to clients who have a bad credit history. For this reason, you should check thoroughly and establish moneylenders who have less strict qualifications when they are giving loans. Choose a money lender whose qualifications and requirements you will be able to meet for you to qualify for a loan. You can also discuss the loan repayment options which are there.…


How to Choose A Financial Planner

When you are planning to hire a financial planner, there are some factors you need to consider to have the right person. You need to have someone who is experienced and is good to handle your money. Make a right decision to avoid people with bad experience. You need someone who you can trust to prevent risks that may be associated with your money. Here are some of the tips that will help you find someone who can guide you About independent financial planning.

Check on the credential

kjhgtresdfcghjklThis is the most critical factor you need to check on when choosing a financial planner. The individual should be a certified professional with experience in handling finance. You must ensure that that person has the required education and a degree in the financial field. This will help you tell whether the advisor is well trained and has the needed skills. The person should also be tested with the possible requirements of a government organization to certify his profession.

Experience of the financial planner

This is a critical factor to focus on. The financial planner should have work experience and have at least some philosophy about investing and financial management. He should have worked with more people or organizations, and his skills are at expert level. Check these qualities from his different places of work or on the projects he has done before. A person who has been in the filed for a long time has experience, and you should give them the priority.

Communication with clients

You are required to have a person who is conversant with all his clients. The person you hire as your financial planner should be able to avail himself at any time you need him. The means of communication should be at all time of need, and the planner should be able to respond immediately to address your issues. A good financial planner should keep you up to date about your money. He needs to communicate consistently.

Ask for references

poikujyhtrdsxcvbnjAsking for references will help you get information about the kind of service the financial planner has offered to his clients. Clients who have been satisfied with the work of this financial planner will give correct information about the person you want to hire. This background information is critical because it will determine whether the person has the experience to handle your money and give relevant advice regarding financial management.…


Why You Should Try Using Bitcoin

We are at a time when most businesses are being conducted online. People have made use of the various online platforms to access some essential things. You can get the information you want from the different online sites. One can also derive entertainment from the internet. There are social media and video streaming sites that can keep you up to date in matters entertainment. The trading sector has not been left behind because you can now buy and sell goods online. People have set up sites where they sell some of the essential commodities you may need. Money exchange also takes place online. Several organizations have set up websites that support online money transaction. Paypal is one example of the sites where you can transfer money from one account to another.

There is also a new form of online currency popularly known as Cryptocurrency. Examples include Bitcoin, Ethereum, and Litecoin. Click003 for some information on how to purchase bitcoins. Cryptocurrencies are becoming a standard medium of online exchange.Bitcoin is the most popular of all the available virtual currencies. To start using them, you need to open an account with bitcoin and set up your bitcoin wallet. Many have been hesitant to use this type of currency. Here is why you should start using bitcoins for online trading.


The use of bitcoins is quick compared to other payment methods. Take an example of paying money via cheque from one bank to another which may take several days. With Bitcoin, all the transactions are fast because there are no third parties involved. They take seconds for everything to be complete. In instances where a merchant wants to confirm that purchase, it will take a maximum of ten minutes.


001The use of bitcoins is more economical compared to other online transfer methods. The fact that central governments have no stake in the use of online currency means there are no levies or charges in this type of exchange. Other platforms will charge transaction fees which is not the case in the use of virtual currencies like bitcoin.


When it comes to using bitcoins, you are in charge of your money. There is no other person you have to trust with your money like in banks. Your payment information is safe with you. During transactions, one can give the information they want. You have the privilege of anonymity in this type of operation. One does not need to worry about hackers accessing their wallets.…


Benefits Of Online Banking

Online banking is among the latest trends in the banking world. Nearly everyone currently prefers to access the bank services via the online platform, perhaps due to the many benefits that come with it. Some of the services that you can access online include transferring money to a different account, depositing money, paying utility bills, and checking your banking statements among many others. Below are a few of the benefits that you stand to gain when using online banking services over the traditional banking.

Top benefits


This is arguably the main advantage of banking online. For starters, you get to access the services from anywhere in the world, as long as you have a computer or smartphone and access to the internet. This comes in quite handy for those who travel a lot, as they are still able to do their banking business. You also do not get to make time and money savings, which you would otherwise spend commuting to the banks and waiting in queues. Convenience can also be seen in the fact that online banking works for 24 hours a day, all days of the week. This means that you do not have to worry about banking holidays or closing hours of the bank.

Easy filing

Online banking does not involve any paperwork. Everything is done in digital format. This makes filing very easy due to the easy nature of manipulating digital data. For example, you can sort out all your receipts with just a single click, in whichever order you prefer. You can store the information online, which means that no files will occupy any space on your computer or any physical space in your office as papers would.

Quick alerts

tfgytfgyiuyftugyhuWith online banking, you get alerts almost as soon as they are sent out. This means that information reaches you promptly, giving you ample time to take the necessary action. The alerts and notifications come in the form of an email. For example, you will get to know of any activity that happens in relation to your account. You will also know of any new product or feature launched by the bank on time, such as reduction of interest rates, which you can promptly take advantage of.

Good security

Online banking is also known to offer good security. Banks take all the possible measures to ensure that both your money and information will not get into the wrong hands.…


Tips For Saving Money

Saving money is a great financial move to make. This is true for everyone, irrespective of the amount of income you get. It works as a security against unforeseen financial downfalls as well as gives you peace of mind. Saving is, however, not an easy thing to do. It requires a lot of self-discipline and dedication to do it. Below are some tips that can help you to save money effectively.

Effective money saving tips

Open a savings account

Most financial institutions offer accounts, which are tailored specifically for saving money. You stand to enjoy many benefits when saving in such accounts, such as better interest rates on saved money and low transaction costs. Some may even have features such as lock account, which will discourage you from spending the money that you save if you do not really have to. Be careful when choosing the financial institution and particular savings account to open. Ensure that you go with the most suitable for your needs, usually based on your amount of income and frequency of deposit.

Set a target

It is a great idea to set a target for your savings. The target will give you great motivation to keep saving until you achieve it. Ensure that the target is realistic and achievable. The target should also be bound by time limits to ensure that you work hard to achieve it. Have a plan of how you will spend the money once you hit your target. Buying a house or a car are good examples of how you may plan to spend the money. This will give you some extra motivation as well.


tfudrjtyrdjfyguhcvYou should always make a budget on how you are going to spend your income. This will help you avoid overspending or buying things that you do not really need. When budgeting, it is advisable always to list saving as your priority. If possible, use the check-off system where part of your income will be deposited into your savings before you even get access to the money.

Increase your earnings

There are only two ways through which you can increase your savings effectively. The first solution is to spend less money of what you earn for you to be left with more to save. The other alternative is to increase your income. You can do this by putting in more hours in what you do to earn more. You can also opt to get alternative sources, such as starting a new business or investing in one that already exists.


Apartment Finance Today’s Developer Conference

Make the Connection for Success
at the Apartment Industry’s Best Event! 2006 Apartment Finance Today’s Developer Conference
March 8-10, 2006
Omni San Diego Hotel
Thank you to all who attended Apartment Finance Today’s Developer Conference 2006 in San Diego. You helped to make the conference a success.

If you were unable to attend, you can purchase the conference packet for $75. The packet contains information and handouts from the sessions, conference directory and more. Please click here or call 800-989-7255, ext. 304, to place your order.

We are in the process of planning for our 2007 conference and will post information here as soon as the dates and location are set. If you would like to be on our mailing list for Apartment Finance Today’s Developer Conference 2007 click here to send an email to Susan Piel, Conference Director.

If you are interested in being an exhibitor or sponsor at the conference, contact Tom Borsellino at (800) 989-7255, ext. 310.…