Saturday, September 4, 2010
Car and flooding
This reader has an innovative idea on how to save your car from flooding of the basement car park.
http://www.tankinlian.com/Information.aspx?CatID=15
http://tankinlian.com/admin/file.aspx?id=168
http://www.tankinlian.com/Information.aspx?CatID=15
http://tankinlian.com/admin/file.aspx?id=168
Mortgage Loans
Posted at request of Vinod Nair, www.SmartLoans.sg
So you're looking at buying a property and come to realize that you need to get a home loan as well. You call a banks' hotlines, only to speak with a generic customer service rep who's not specialized in home loans. You then wait to be directed to someone who IS a mortgage specialist in the bank, and then have to comprehend a whole lot of mortgage jargon. Even when the banker gives you the rate packages available, you're not sure how exactly it matches up to the other banks and whether you're getting the best deal. Then you call the next bank and go through the same process again.SmartLoans.sg is Singapore's first Online Mortgage Comparison Platform that allows consumers to directly compare rates and packages from all major banks. All the latest rates and packages are consolidated and available directly onSmartLoans.sg. Our Home Loan Wizard allows you to calculate monthly and cumulative interest payments, and rates them from lowest cumulative interest to highest. You can also set your interest calculation period from 1-3 years also if you plan to refinance your loan in the future.If you currently have an outstanding mortgage, you can save thousands with SmartLoans.sg. The refinancing calculator helps you calculate exactly how much you stand to save if you refinance your home loan to any of the current packages.Other LoansSmartLoans also helps you get the best deal for Commercial Property Loans, Renovation Loans, Cash Out Refinancing,Education Loans and Business Loans.
Land at Gerrards Cross, UK
Hello Mr Tan
A company is currently offering land in Gerrards Cross in the UK to investors via Friday evening sales events at some of the major hotels in Singapore and Malaysia. Apparently if you buy land at these events you may get a free Apple IPad computer.
According to this Freedom of Information request below the land being sold is green belt and protected until at least 2026. South Bucks say they have enough land to meet housing requirements until that time.
I wonder if this information which is clearly in the public domain and must be known to the marketeer, is being disclosed to investors at these events ?
SF
According to this Freedom of Information request below the land being sold is green belt and protected until at least 2026. South Bucks say they have enough land to meet housing requirements until that time.
I wonder if this information which is clearly in the public domain and must be known to the marketeer, is being disclosed to investors at these events ?
SF
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You have a new response to the Freedom of Information request
'Status Of Land In Gerrards Cross' that you made to South Bucks
District Council.
To view the response, click on the link below.
http://www.whatdotheyknow.com/
When you get there, please update the status to say if the response
contains any useful information.
Although all responses are automatically published, we depend on
you, the original requester, to evaluate them.
District Council.
To view the response, click on the link below.
http://www.whatdotheyknow.com/
When you get there, please update the status to say if the response
contains any useful information.
Although all responses are automatically published, we depend on
you, the original requester, to evaluate them.
Friday, September 3, 2010
Family3 for a child
A parent bought a Family3 policy for a child. He was attracted to the limited 10 year payment and the series of cash bonus and survival benefits, but was not aware about the cost of the insurance. Here is an analysis of the policy and the alternative of investing the same sum of money in a low cost investment fund.
Go to www.tankinlian.com/latest.aspx (search for Family3).
Go to www.tankinlian.com/latest.aspx (search for Family3).
What is Talent?
Read this article.
My view
The word "talent" was invented to provide excuse for excessive greed and predatory practices of people earning obscene incomes, e.g. the talented people who created the derivative products and swaps or professionals who charge excessive fees. It was also used to fool the local people to accept foreigners to work in Singapore on favorable terms, while the locals have to bear the burden of national service.
My view
The word "talent" was invented to provide excuse for excessive greed and predatory practices of people earning obscene incomes, e.g. the talented people who created the derivative products and swaps or professionals who charge excessive fees. It was also used to fool the local people to accept foreigners to work in Singapore on favorable terms, while the locals have to bear the burden of national service.
Insurance CEO quits
Read this report
My view
It is important for the top leadership of a life insurance company to be stable, so that their policyholders can some measure of certainty on their long term savings. If the top leaders can "jump ship" or make changes to established practices, the uncertainty will be bad for the policyholders. To avoid this uncertainty, consumers should take control of their long term savings, by investing in a transparent, flexible fund. They should avoid locking their savings in a insurance policy that has a high penalty on withdrawal.
Read my book, Practical Guide on Financial planning.
My view
It is important for the top leadership of a life insurance company to be stable, so that their policyholders can some measure of certainty on their long term savings. If the top leaders can "jump ship" or make changes to established practices, the uncertainty will be bad for the policyholders. To avoid this uncertainty, consumers should take control of their long term savings, by investing in a transparent, flexible fund. They should avoid locking their savings in a insurance policy that has a high penalty on withdrawal.
Read my book, Practical Guide on Financial planning.
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