Welcome to my Blog!

I wrote one of my expenses to be the X mini speakers. Guess what. I applied for this HSBC credit card, buying online propecia and it actually offered me a free gift. And its another X mini speakers! The same model.

Without hesitation, I immediately took it to my office and sold it off at half the price, by just being friendly. If only I had waited, I could have save that $36. Anyway, it had passed already. This HSBC card indeed gave me what it mentioned; with 3 transactions a month, you get a $5 cash rebates.

My aunt too gave me a $100 voucher for a bookstore, Kinokuniya. I ended up buying $200 worth of books. Well, books are knowledge, and I can read them at a later date, since these information don’t go outdated. (I bought all books related to stocks investment etc)

Here’s this month’s breakdown:
Savings and Earnings

$500/month Citibank Step up Account
$150 - Profit from US stocks trades

Expenses
$100 Kinokuniya books!
$20 Some Audio CDs. Korean ver - Boys over flowers
$12 A couple of bubble teas. They cost $3 per cup.

This rule came from the era where buying propecia online the points — the fee paid to lenders for making the loan — and closing costs associated with a mortgage refinancing took years to pay off. Today, there are many available mortgages with little or no closing costs.

As a result, consumers can get long-term savings by shaving half a percentage point or more from the mortgage, or by keeping the rate but shortening the loan’s duration.

The consensus of the experts: Work the numbers. You could be wasting money waiting for rates to fall further before you make a deal.

Critics say this is a longtime insurance industry marketing ploy, while supporters call it an honest benchmark. Either way, it’s usually off-target; a key problem, again, is the focus on income rather than expenses.

Experts say the five-times-income rule applies to the sole breadwinner in a family with two kids. That makes it inadequate for larger families and a waste for people yet to start a family. Like most financial rules of thumb, this rule’s suitability is a function of your personal situation.

Rather than relying on income, a more accurate formula for many consumers will be to insure what they can’t afford to pay for propecia hair without coverage. That means taking their mortgage balance, the kids’ college education and four or five years’ worth of expenses to allow your loved ones to get back on their feet emotionally.

This is a fuzzy interpretation of the famous Ibbotson-Sinquefield stock market study, research that showed the stocks deliver an annualized average return of 10%. The problem is that purchase viagra Roger Ibbotson, the guy behind the study, now says that he expects the next 25 years to be different from the past 75, with returns closer to 8%.

Moreover, the 10% number includes several assumptions, such as a long time horizon, no active trading, no taxes and no transaction costs. That’s hardly the real world.

Also, many people forget that the historical returns are an average, not an annual total. When people live by this rule and make it their expectation, they tend to be disappointed, which makes it tough to stick to an investment strategy.

This month, Great Singapore Sale happens, (I guess it happens every country too), and I had gotten a good deal. Since I am very tall at 186 cm or 6 foot 2, I need proper office shirt that has long sleeves, not too big at the sides and waist, and something not expensive. So I have only 2 choices here locally, Marks & Spencers and G2000 apparels.

So this month, I’ve gotten 2 very good deals, buying 5 shirts priced at $69.90 for only about $31.xx (can’t remember how much), and a wallet priced at $90 for $65.

This was G2000 going at a 40% discount, and on top of that a Citibank Credit card 25% discount, so in total, I had a 65% discount ! We, luckily I waited and waited and finally I gotten in and got all. Since their shirts are all cut the same for all shirts, it’s easy for me to go back, buy and not worry about any misfits.

The wallet, was from a 2 day special by Tangs, a 20% + 10 % discount, so not a bad deal, and too was provided by Citibank’s Credit Card. I guess I found good value in keeping this viagra bestellen card!

As for trading, I stopped, because freaked out like what other books had written. A single large failure will cause small investors like us to quit the market, lose moral and confident, and this is so true. I am still human afterall.

Here’s this month’s breakdown:
Savings and Earnings

$500/month Citibank Step up Account

Expenses
5 x $31.xx = $150 - G2000 shirts x 5
$65 - Pierre Cardin wallet

Not a bad idea, but too many critical factors are being ignored (again). Retirement needs are a function of life expectancy, good or bad health, inflation and spending, not previous salary. Living a jet-set lifestyle requires a lot more money than staying home and watching television; failing to generate enough income can force retirees to give up activities that would make their viagra for men retirement years more enjoyable.

“Most folks who hit 65 these days — if they wait that long to retire — are finding that they have more energy and more desire to do more things, and they need to plan on a higher level of spending in the early years of retirement,” says Rick Brooks, the vice president of investment management for Blankinship & Foster, a Solana Beach, Calif., advisory firm.

“Sixty-five is the new 55, where folks still have energy, they have resources and they are no longer shackled by the 9-to-5-job thing. While those conditions will change over time, someone who doesn’t replace all of their income may draw down too much early and then may be in a position where they outlive their assets.”

In the previous posts I mentioned having a change in life with how I handle and mange money. Other than working my sweat out to earn that keep just for bills, we have, or should I say, our financial system allows us to do something called investment. (after all banks, financial firms, insurance, all ultimately goes to trading onto business and credit interests to earn, and we should too.)

Without going into details, I’ll just redirect you to my trading and investment blog called

http://www.managemoneyonline.com.

It blogs down buy cheap viagra some of the winning and losing trades, as well as what really happen to my initial capital of 1xxxxx dollars.
*Warning, its pure hardcore posts in terms of stocks and market trading, on the NYSE and NASDAQ.

Here’s this month’s breakdown:
Savings and Earnings

$500/month Citibank Step up Account

Expenses

Lots of >$20 lunch while I was making $50-$100 on average trading daily.
And a terrible terrible lost in a single trade, that left me saving even my toothpaste for brushing. (Look to my trading blog for more details! http://www.managemoneyonline.com )

I didn’t really track this money as money went flying around my bank account, to my POSB account, then to through my EPS to my POEMS trading account.

his isn’t really a rule, according to experts, so much as a starting point. It’s hard to put a number on “the right percentage” to save because that ignores several factors, such as the return the buy viagra cheap money can earn, how long someone has to build a nest egg and the lifestyle someone wants to maintain.

If this rule gets people to save — even if they can’t afford to get all the way to 10% of income — then it’s better than nothing.

But if you follow this rule expecting it to deliver a secure retirement, you may be sorely disappointed.

Advisers have struggled with this one for years because an investor can spend years trying to save six months’ salary, and then keeping that money liquid for emergencies surrenders big growth potential.

A better rule might be to focus on living expenses rather than gross income. That would allow an emergency fund to cover its intended purpose: paying the bills, not replacing lost paychecks. The necessity of these funds can depend on a variety of factors, including disability insurance protection, the availability of credit and the potential costs a family would face from a job loss, health problems or the breakdown of cars or big-ticket household appliances.

Chances are, viagra pills the average consumer will never face an emergency that requires him or her to come up with six months’ salary within 24 hours, which is why some advisers suggest that emergency funds can do double duty, being an investor’s most conservative bond investments while being accessible if the worst happens.

These are just some random cost saving tips I thought of so I shall write it here.

1. Save electricity on Air-conditioners

Use curtains or shares to block sunlight from entering the room directly through glass windows. Clean your air conditioners filters regularly as well. This reduces the workload of your air conditioners, and thus help save that bit of electricity.

2. Save electricity on refrigerators

Shift your fridge away from heat generating appliances (eg. Stove or cooker). Another common method is to close your fridge immediately once your open and grab your stuff. You don’t want to let too much cold air pharmacy viagra online out, and hot air into the fridge.

3. Using your Local library to get more information before spending to learn.

This is a common tip I used to do, when I want to acquire new knowledge. There are simply tons of books in the library, and wealth of knowledge that we can read up on. There are always people who love to take out money before realizing that the knowledge they are paying for are available in the library.

Remember, these little tips can add up to lots of amount after a long time.