Welcome to my Blog!

Yes it’s Christmas and New year, and I’ve spent quite abit, apart from the rest of the usual boring months. This year was alittle bit different. I spent quite abit of time with old friends, had some great time with them with the joyous occasion.

Also just recently, I realize some good ways to have good ROI with investments propecia cost vehicles of up to 10%-15%. SO with this newly gain information, I hope my portfolio of money management will have some slight adjustments.

Oh yes, it’s nearing the end of 2009 (in fact its 2010 now), just taken quite abit of year end bonus here, but not alot. This had went into that investments, and subsequently I would channel some percentage of my money to that vehicle hmm… just thinking about getting $3000 a year for my $30,000 worth of investments…

And it is coming close to a round of increments to salaries roughly 3 months time.

$500/month Citibank Step up Account

Expenses
$20 Dinner for Xmas Eve
$15 Drinking for Xmas Eve
$25 KTV Singing
$20 Dinner for Post New Year ?
$40 Presents for my dear cousins

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 Well, books are knowledge, and I can read them at a later date, since these information don’t go outdated.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.

August seemed to run so fast, as I am a little late on my summary post here.

This month, I saw a cheap offer for toothpaste, offered by Watson’s a pharmacy. It also sell lots of other daily needs. Armed with a credit card that offers 3% rebates on total amount purchase, I bought some of the usual toiletries and save about 30% on Oral-B toothpastes. Its 33% of savings in total.

And just when I thought I am starting to save more, I actually made a mistake on my internet bills. My dad accidentally threw away the internet bills, so I had to pay a 2 months bill, making it higher this month.

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

$500/month Citibank Step up Account

Expenses
$80 internet bills
$36 X mini Speakers (cool speakers, but I don’t need em actually..)
$50 A treat to my relatives on Ice cream buffets

It isn’t that bad, I track my expenses closely. But propecia finasteride sometimes these are stuff that must be spent on

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.