Started playing with this new online trading tool in Forex..... much similar to those who are familiar with Dual Currency Investments. The only difference is there is no fixed deposit involved.... its just plain vanilla forex trading.
Started in negative position now... learning how to get to do this right..... S$10 per day will be my target. :D Pls pray for me ok? Thanks!
Wednesday, March 26, 2008
Friday, February 29, 2008
Thursday, February 28, 2008
Common Financial Documents
Went to the National Library today to collect some freebies for my daughter. Came across the above document from MoneySense which i would like to share with you. I was amazed by the content found in this document. I hope by posting the link to download would help you better understand your personal financial documents. :D
Saturday, February 23, 2008
Ladies Only - AIG Venus Care
Dear ladies,
AIG has launched a new GI plan especially for ladies, Venus Care .
This plan specifically covers female organs carcinoma-in-situ and cancer. It also reimburse up to $100 annually for your pap smear and mammogram test – a good reason for us to do routine check up to ensure we are cancer-free and seek early treatment if needed. I personally belief this plan will be a great enhancement to your existing life plan with Critical Illness. Below are some illustrations of how this plan works.
In the event of carcinoma-in-situ, the plan will pay out the carcinoma-in-situ benefits. And the cancer benefit will be reduced by the sum payout under carcinoma-in-situ. All other benefits are not payable in the event of carcinoma-in-situ.
In the event that cancer is diagnosed, the cancer benefit will be payout and the rest of benefits (excluding carcinoma-in-situ) will be made available. These benefits (in hospital medical reimbursement, post hospitalization out patient reimbursement, etc) have a 365 days validity. The plan will terminates at the 1st anniversary from the date of 1st diagnosis of cancer.
In order for death benefit to be payout, death must result within 365 days of 1st diagnosis of cancer.
Let me know if you will be taking up the plan to enhance your existing coverage. I will be able to assist you with the policy arrangement. Do feel free to forward this information to any of your female colleagues or friends.
Additional Info: Singapore Cancer Registry Report
AIG has launched a new GI plan especially for ladies, Venus Care .
This plan specifically covers female organs carcinoma-in-situ and cancer. It also reimburse up to $100 annually for your pap smear and mammogram test – a good reason for us to do routine check up to ensure we are cancer-free and seek early treatment if needed. I personally belief this plan will be a great enhancement to your existing life plan with Critical Illness. Below are some illustrations of how this plan works.
In the event of carcinoma-in-situ, the plan will pay out the carcinoma-in-situ benefits. And the cancer benefit will be reduced by the sum payout under carcinoma-in-situ. All other benefits are not payable in the event of carcinoma-in-situ.
In the event that cancer is diagnosed, the cancer benefit will be payout and the rest of benefits (excluding carcinoma-in-situ) will be made available. These benefits (in hospital medical reimbursement, post hospitalization out patient reimbursement, etc) have a 365 days validity. The plan will terminates at the 1st anniversary from the date of 1st diagnosis of cancer.
In order for death benefit to be payout, death must result within 365 days of 1st diagnosis of cancer.
Let me know if you will be taking up the plan to enhance your existing coverage. I will be able to assist you with the policy arrangement. Do feel free to forward this information to any of your female colleagues or friends.
Additional Info: Singapore Cancer Registry Report
Friday, February 22, 2008
I am Back!
Sorry to keep you guys waiting for my postings...... was out searching for new ideas on this blog. Stay tuned for my next postings. :)
Monday, January 21, 2008
UT Portfolio as at 19 Jan 08
Another lousy week (another $4k off the scoreboard)..... when will this global downtrend bottom up? Nothing much to comment on this out-of-sync market. I am keeping my fingers crossed for a global reversal next week. If not, the idea of "pull the plug to fight another day" might just appear.....
Friday, January 18, 2008
Version 2 - Mortgage Calculator
Click on the images to download your free Mortgage Calculator now!
Change it to your preferred Colour Scheme, your preferred logo or image & append your contact details, Voila!
Features:
1. Auto tabulation of loan amount based:
a) on the lower of Purchase Price or Valuation Limit
b) Choice of % financing (80 or 90%)
c) Loan Tenor
2. Auto calculation of Stamp fees and other cost of conveyance
3. Adjustable interest rates to reflect difference scenario of loan financing
4. Auto calculation of monthly installments and total interest payable
$50 per customisation, great tool to impress your clients!
SPECIAL OFFER: 1st 50 customers get to personalise this tools @ $30 only!
Change it to your preferred Colour Scheme, your preferred logo or image & append your contact details, Voila!
Features:
1. Auto tabulation of loan amount based:
a) on the lower of Purchase Price or Valuation Limit
b) Choice of % financing (80 or 90%)
c) Loan Tenor
2. Auto calculation of Stamp fees and other cost of conveyance
3. Adjustable interest rates to reflect difference scenario of loan financing
4. Auto calculation of monthly installments and total interest payable
$50 per customisation, great tool to impress your clients!
SPECIAL OFFER: 1st 50 customers get to personalise this tools @ $30 only!
Tuesday, January 15, 2008
UT Portfolio ast at 13 Jan 08
Two weeks passed.... bad news.... markets no improving much.... sigh.... still not enough time to monitor the volatility.... hmmm....
Tuesday, January 8, 2008
UT Portfolio as of 06 January 08
Finally, 2008......
Looking back, 2007 was considered quite a good year for the financial markets with Asia leading the charge. China, India and other emerging markets constitute to most of the double digit growth. US's growth for the year in 2007 was wiped last week, presenting a less than satisfactory return for its investors (negative slightly in fact, see DJIA).
Resources was another good investment in 2007, constituted by non oil-related commodities. (most oil related funds post less than expected returns even with the rising oil prices).
Property interests were cleaned out with the ever scarier sub-prime issues. Instead of buying into funds of such asset class, purchasing the actual asset might be a better bet. :D
Personal Opinion:
With Bejing Olympics on the cards, China will still post good investment value towards end of Q1 of 2008. Focus should be channeled to other emerging markets like middle east countries. Buying into a spread of resources funds must be a good hedge against flunctuations in the equity markets. Stay away from property funds for the time being unless you can buy into commercial properties related REIT funds.
Friday, January 4, 2008
My Personal Likes
The following are my personal likes (top 10) for this quarter in 2008:
1. PRU Peacock Fund - SGD 1,406.40 million (as at November 30, 2007)
2. Schroder BRIC - SGD 426.50 million (as at November 30, 2007)
3. Aberdeen India Opp - SGD 638.80 million (as at November 30, 2007)
4. HGIF Indian Eqty - N.A. (New Fund)
5. First State Global Resources - SGD 661.10 million (as at November 30, 2007)
6. Aberdeen Pacific Eqty - SGD 866.10 million (as at November 30, 2007)
7. DWS China Eqty - SGD 857.01 million (as at November 30, 2007)
8. Fidelity EMEA - N.A. (New Fund)
9. SGAM Oasis MENA - N.A. (New Fund)
10. Schroder AS Commodity - N.A. (New Fund)
The above funds selection is solely based on my own opinion, pls consult your financial advisor in greater details before leaping into any investment. If you do not have one, you can contact me for a NO OBLIGATION chat..... :D
1. PRU Peacock Fund - SGD 1,406.40 million (as at November 30, 2007)
2. Schroder BRIC - SGD 426.50 million (as at November 30, 2007)
3. Aberdeen India Opp - SGD 638.80 million (as at November 30, 2007)
4. HGIF Indian Eqty - N.A. (New Fund)
5. First State Global Resources - SGD 661.10 million (as at November 30, 2007)
6. Aberdeen Pacific Eqty - SGD 866.10 million (as at November 30, 2007)
7. DWS China Eqty - SGD 857.01 million (as at November 30, 2007)
8. Fidelity EMEA - N.A. (New Fund)
9. SGAM Oasis MENA - N.A. (New Fund)
10. Schroder AS Commodity - N.A. (New Fund)
The above funds selection is solely based on my own opinion, pls consult your financial advisor in greater details before leaping into any investment. If you do not have one, you can contact me for a NO OBLIGATION chat..... :D
Thursday, January 3, 2008
UT Virtual Challenge # 3 - Conclusion
It's been a roller coaster ride for all financial markets for the past 3 months with the Bears clearly emerging as the winning side. Jamie finishes top placing with her conservative outlook on the financial markets, hitting 3.29% in total return. Worst performing portfolio came from Rox which managed a -8.14% total return. For educational purpose, i will share their portfolios for your viewing pleasure:
With the average total return at -3.14% overall, it is quite obvious how proper Asset Allocation can help absorb shocks from sudden market downturn as witnessed in the last quarter of 2007. Asia was much affected with at least two funds in the entire portfolio going down more than 10% (China focusd).
Well, some say its bad time to invest since no one knows how long more the downtrend will be; some believed that this is opportune time to go in because the funds will be "cheaper". What do you think?
With the average total return at -3.14% overall, it is quite obvious how proper Asset Allocation can help absorb shocks from sudden market downturn as witnessed in the last quarter of 2007. Asia was much affected with at least two funds in the entire portfolio going down more than 10% (China focusd).
Well, some say its bad time to invest since no one knows how long more the downtrend will be; some believed that this is opportune time to go in because the funds will be "cheaper". What do you think?
Tuesday, January 1, 2008
Property Loan Calculator
I have just developed a mortgage loan calculator which caters to the local flavor. You can click on the image to download this free calculator.
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