Too much money is not always good, because money complicates matters.

You are never paying the price at which you purchase your house, unless you paid for it in full cash without any leverage…

Yes, you can save money by refinancing. However it is actually a waste of your money if you refinance too often, therefore it is always wise to have your personal mortgage consultant or broker to...

A good measure of debts can help you in achieving your goals. However, an over dosage can produce nasty problems in the future…

Leveraging on debts for investments can be very fruitful, or dangerous. It is a double edged sword

Attempting to develop a piece of land without doing the appropriate due diligence can lead to unexpected surprises during the project. Failing to do so is one of the main reason as to why companies...

You should not leave your housing loan aside after getting it. Learn to keep track of it every six months, or retain an advisor, such as a mortgage consultant or broker who can help you...

A private banker is really a good old trustworthy friend.

Analyze your property investment properly before you invest. Remember that it is not just about the valuation that determines the price. The credit facility that you use to finance your investment plays a large part...

China to reduce capital lending in the domestic market. Aiming to create structural changes to present economy by deleveraging from exports and focus on increasing domestic consumption…

No analyst, investment banker, consultant or even a fortune teller will be able to tell you when prices have hit bottom. You can start buying now, so as not to miss the opportunity…

Being alert to the terms and conditions of your existing home loan can prevent nasty consequences to you in the future when you refinance.

Unlocking the equity in your private property can be one of the best ways to finance the buying of a new business…

As long as you have a debt from the bank, you are working for them, not for yourself.

A bank only lends you money when you do not need it.

It would be in your best interest to refinance your home loan right now, making good use of the low interest rates. You would not want to be making high installment payments during an economic...

Choosing a house to buy is easy. The difficulty lies in getting approval for your housing loan application.

Property prices may drop, but I do not think it will drop that fast. The consumers are more financially educated as compared to the last crisis, plus the interest rates are very low now…

Singapore’s economic fundamentals are good. Together with such low interest rates available for mortgage financing, it makes perfect sense for real estate private equities to buy into Singapore…

Foreclosure investing is going to be one of the hottest growth area in Singapore in times to come.

Think positively! Pull your finance together as soon as possible during the economic slowdown. Don’t wait for things to happen to you. Shave off some extra expenses, refinance that home loan, restructure some of your...

A great foreclosure property investment often comes about with the co operation of a sound investment team. It is difficult to do it by oneself.

I feel it is an extremely crucial period for Singaporeans to stand together during this economic slowdown so we can pull through it together. This is a better move compared to pointing fingers at somebody...

Never assume your lender will take charge of your finance. Take a pro-active role in managing your own personal finance. It is your matter, not theirs.

Your home loan may be the largest ticket item of your life. It is therefore logical and sensible to pay the most attention to it.

Debt is like a double edged sword. Use it well and you shall win the war. Use it wrongly and you shall see your name in the tombstone…

It is never about how much you earn. It is how much you spend relative to how much you earn that matters.

The rich actually worries about leaving too much money to their children. The poor worries about leaving none for their children.

Every Cent Matters.

Ten out of ten banks will underwrite their home loan in the same way, to protect themselves, but does that mean as a consumer, you can do nothing about it?

He who feels pain when paying off debts is not fit to leverage on debts as an investment strategy

The money you pay to the bank as interest has zero percent chance of it returning back to you. Save on that and reinvest that on any other things. Now that is lean financial management.

There may be a correction in Singapore housing prices. The housing price index is reaching the peak and prices might stabilizes for a while before it goes down again.

Singapore Property Price Index for the Year 2009 has surpassed the last high of the Year 2010. Property Investors have to be careful because the market fundamentals aren’t that strong to subtain the index at...

The interest rates are at its lowest point now because of the economic turmoil. People in the market are going for floating housing loans because the combination of both the teaser rate and low interest...

Buying over an existing business is a smart move. The revenue starts running on the day you take over the business.

The good thing about working with a mortgage consultant, is that you get to shop for your home loan at a comfortable pace with him or her advising and guiding you along the way. Some...

What makes a good leverage financier? One who can effectively control debts and do not allow the debts to control him…

Take care of your debts and your debts will take care of you

It may be a good idea to get some equity out from your property for some renovation or to fund that investment idea. Using equity from your property is much cheaper than other types of...

An economic slowdown might be a good opportunity to spot some good business take overs…

One of the best way to raise cash is to mortgage your property. It is one of the cheapest and fastest way to secure your credit.

Despite the economic slowdown around the world, China is still doing relatively well. However, when winter comes, domestic demand in China will slow down and there will be negative movements in the equities market…

Leveraging on debts is definitely a useful method for gaining more wealth. The issue is, do you have your own set of risk management system to ensure you do not take on more debts than...

Property investing is one of the best method for acquiring wealth.

Remember, interest paid to banks only comes back to you in the form of a billing receipt. Nothing else…

The credit market is one of the factor that cause this financial slowdown. However one should not be impede from taking up a loan just because of this. Every coin has two sides. What you...

The price of your property is not the price at which you purchase it for, unless of course if you paid for it fully in cash…

Singapore Property Price Index has hit a high of 140+ but economic fundamentals are entirely different from the last Asian Financial Crisis. Real estate investors advised to be cautioned with buying and might be a...

If you are lagging behind in your housing loan payments due to some financial reasons, do not avoid the problem and call up your bank to negotiate the payment terms…