Monthly Archive: September 2016

Different Types of Investment Opportunities Available in Singapore

These days, there is a great range of consumer products available in the market from which you can choose a suitable one. However, it’s imperial to have an analysis on what consists of a suitable product. Have a look at your investment objectives and see what investments you have already made, what you can afford to make and your associated risk profile.

Purchase only what you understand fully and be familiar with the product’s risks, benefits, costs and limitations. You can have a look at Investment visa in Singapore options. You should think about diversifying your investment. Moreover, you must consider whether the new product will replace, supplement or complement the existing ones.

Different Types of Investments in Singapore

  • Conventional Fixed Deposits

Also known as time deposits, these deposits provide higher returns than savings accounts. The rates given on fixed deposits are guaranteed. Deposit themes vary from 1 week to 36 months. If you hold a deposit for longer, you get higher interest rate earnings.

  • Premature Withdrawals

You can choose withdrawing your deposit prior to maturity date. As per the usual industry practice, if your bank deposit has completed “quarters”, you will get lesser interest than contracted originally. In case you withdraw before completing 3 months, you may not get any interest at all.

On top of all, you may have to pay penalty for withdrawing your amount prior to maturity. Therefore, you may end up getting the lesser amount than what you invested initially. In case, foreign currency movements are not favouring you, the amount may decrease more.

  • Foreign Currency Deposits

These are the deposits which are denominated in some other currency i.e. a currency other than Singaporean Dollar. Some banks of Singapore provide foreign currency deposits in wide variety of currencies.

These are generally available in tenors that range from 7 days to 1 year. These deposits give the potential of getting higher returns than what you can get on conventional deposits. However, these deposits are prone to foreign exchange risk.

  • Islamic Fixed Deposits

With its availability in Singapore, these deposits comply with Shariah principles, which involves sale of products at a marked-up price. Profits get determined upfront and are paid one calendar day after the cheque clearance or cash placement. Customers, who are more than 55 years or more, can enjoy 0.25% above existing profit rates.

  • Deposit Insurance Scheme

Deposits which are denominated in Singapore dollars under Supplementary Retirement Scheme get insurance by the Insurance Corporation of Singapore, for an amount up to S$50,000 in total per depositor by law.

Deposits and monies denominated in Singaporean Dollars under CPF Investment and Minimum Sum Scheme are added and separately insured for amount more than S$50,000 for every depositor per Scheme member.


Consider your level of risk, amount of investment and diversification of various investment options and decide a portfolio accordingly. You can check details related to the risk and returns on various options by visiting banks or websites online. Have a safe investment!

What is Asset Liability Management and how do you get involved?

It can be hard to figure out what is asset liability management and because of that we wanted to make things a lot easier for you. With this article you will be able to understand what this is and you will have the ability to harness its potential in the long run.

What is asset liability management?

Simply put this is a process that was designed in order to better manage risks. These risks can appear most of the time due to a difference between liabilities and assets. It’s important to note that the asset liability management process is found somewhere at the intersection of strategic planning and risk management.

The idea here is that you shouldn’t offer solution for hedging or mitigating the risks. The idea here is to focus on the long term. If you focus on that then you will be able to maximize the assets. As a result, you will have the ability to actually meet the complex liabilities and as a result the profits will increase.

Is asset liability management necessary?

Yes, because it’s the best tool you can use in order to further manage risks and take them to new heights. It’s a very challenging process but it does bring in front some great rewards to begin with. The great thing is that every company should try to do it especially since they want to lower potential risks and maintain the value of their assets.

Sure, it will be tricky at first but if you do manage to maximize the assets then you will be able to meet the liabilities. The company can be more profitable and the results can increase exponentially. The only true issue here is that you have to do this properly because if you don’t the outcome will not be as good as you expect it to be in the first place.

Should you consider using asset liability management?

Yes, this is a very helpful process and one that can provide an immense amount of value to begin with. It does come with its own set of challenges, true, but it also makes everything a lot more rewarding. That’s what manages to push the experience forward and you should consider using it right away.

If you truly want to boost your company’s profits, then using the asset liability management will help quite a bit. Being liable and having the ability to meet all those complex liabilities is very important. That’s what makes the entire company work properly and with its help everything will pay off. You should definitely consider focusing on results and with a good approach like asset liability management you can indeed do that.

Rest assured that results will be worth it as long as you do asset liability management! You can get involved fast once you do proper strategic planning and good risk management. It will help you push forward and access a very refined and professional experience right from the start!

Ensure the protection of your vehicle by purchasing motorbike insurance

No one can predict when they will have to face a critical situation therefore it is always better to be prepared to face the situation. Today most of the individuals are not aware of the importance of motorbike insurance hence they do not purchase insurance for their motorbike. Eventually they are supposed to face many problems when they get into any trouble. For example, imagine that you are driving your bike and meet with an accident unexpectedly. In such situation, your vehicle may get damaged or the other person’s vehicle may be damaged. However, you will definitely face a financial problem. If you have purchase motorbike insurance, you can easily manage the situation and cover the expenses by claiming insurance.

Why motorbike insurance?

Those who are purchasing a motorbike for the first time will definitely have no idea about why they should purchase insurance for their motorbike. This is being a common thing among many people in the present days. However, as it is mentioned already the main purpose of purchasing an insurance policy is to cover the financial needs in the critical situation. If you damage your vehicle or the third person’s vehicle, you can utilize the insurance and claim the amount to settle the repair expenses. The comprehensive cover will provide utmost protection in various cases.

Similarly if you lost your vehicle or if it is damaged severely in an unexpected accident or natural disaster, you are able to claim a considerable amount of money from the insurance provider. Likewise there are many advantages in purchasing motorbike insurance. Therefore it is recommended that they have to purchase the policy without fail. It will protect them in the critical situations.

How to find the best insurance company?

There are plenty of insurance companies in every location but the individuals cannot ensure that all those companies will provide best insurance offers to them. Moreover they cannot trust all the companies which are available in their location. Therefore it is very important to make sure that the insurance company that an individual is going to choose is reliable. In order to identify the best and reliable insurance company, the individuals can make use of the online sources. There are many websites which are especially available to guide people in choosing the best insurance company therefore individuals can utilize those platforms and make a better decision.

First of all, people have to explore the complete information about each and every insurance company and get to know about them properly. At the same time, they have to get insurance quotes from all those companies and compare them to find out which company is offering the best and suitable insurance policy. This is the most important thing that everyone has to do. On top of all these things, they have to go through the reviews about each of the insurance companies. Since the reviews are given by the customers who are presently and previously associated with the company, the individuals can utilize the reviews for making the right decision.

Mississauga Hot Tub Covers, Hot Tub Lid Replacement, Spa Covers

Mississauga is a city that was initially developed as a suburb of Toronto. It is located on the Great Lake of Ontario and has become the 6th fastest growing city
in all of Canada! It has close to 730,000 residents and still growing! It is known as the gateway to Canada because the Toronto International Airport is situated here. This is Canada’s busiest and largest airport.

Mississauga is a cooperate capital with 55,000 registered businesses that employ many people of the Greater Toronto Area. It is a city that has many things to offer such as a colorful downtown city center that contains condo living, high executive office jobs, over the top entertainment and major retail businesses. From Fortune 500 companies to fantastic appreciation of the arts and cultural diversity at Celebration Square to retail needs like hot tub covers, Mississauga has it all!

Locals and tourists alike enjoy the entertainment of The Living Arts Centre where a 25,000 square foot theatre will dazzle you with artistic and cultural plays and attractions featuring some of the biggest names in this industry. The Art Gallery of Mississauga is a place to explore works from Canadian and local artists. Not to overlook the impressive Hershey Center that was built to host major sporting events and world famous entertainment productions for all of the Greater Toronto area. Inside it’s massive and impressive building, it has hosted many NLH hockey games, big name concerts such as Green Day, just to name a few! It has even had over 100,000 visitors every year!

What a great place to raise a family as Mississauga has be voted the top safest city in Canada for many years in a row now. Boasting of hundreds of outdoor parks and woods to explore and seek adventure. The ever popular destination, The Waterfront Trail features 400 miles of trail to run long, bike on, walk or roller blade. JC Saddington Park and Credit Village Marina are places where you will find the opportunity to catch the fish you can only dream of! For golf enthusiasts, take your pick of world class golf courses as you play the day away! Such an active community throughout the day, locals love to go home, flip open their hot tub cover and relax under beautiful skies as they unwind from the adventures they’ve had in Mississauga.

A gorgeous city with historic villages, miles upon miles of major waterfront trails and beaches, world class artistic entertainment, the gorgeous and pristine Rhododendron Gardens or shopping at Ontario’s largest shopping mall, Square One! Mississauga is definitely a place to make your home and even just to visit and get a taste of the eastern Canada lifestyle!

There is Hope for Every Woman Who Wants It

I’ve never really liked the way that I look in most shirts. I was somewhat aware of it on my own, but things really became apparent when I saw photos of me as an adult. Photos where I had no time to pose in ways that make things seem less noticeable showed me that I could use some improvement. I found some good answers at when I started to research what I cold do. As a woman in my thirties, I really wanted to look less like a 10 year old boy, and instead, have the ability to look my age.

When I was in middle school, I noticed that all of my friends were blossoming into looking like women, but that wasn’t happening for me. It was quite puzzling because this was never a problem for my mom, my two grandmothers or my three sisters. I was the only female in the family who developed really late. (more…)