• Money Quotes

    I will tell you the secret to getting rich on Wall Street. You try to be greedy when others are fearful. And you try to be fearful when others are greedy.Warren Buffett

How To Choose The Perfect Moneylender in Singapore

It happens that we encounter some difficulties that may require financial assistance. That is why we turn to our friends, relatives, and moneylenders. Keep in mind though that you must only seek those that are licensed moneylenders, and here are some tips on how to choose the perfect moneylender.

Things to Consider

There are many moneylenders in Singapore that you can run to, but not all of them are reliable and can provide you with professional assistance whenever necessary. You should always make sure that the lender should give you credible advice as well as reasonable repayment schedules.

Helpful Guide To A Perfect Moneylender

Once you have thought over the things that you should consider, let us move forward on how you can find the moneylender that is tailor-made for you. Here are some of them that you can check:

  • Credibility of the moneylender. It should make sense that before you go to this moneylender, you should check first its reputation. Reputation matters in this kind of business. Always look for licenses to make sure that they are operating legally. Do your research and make sure that you choose a moneylender that has been in the industry for some years.

The length of the year of the institution will show you the reflection of the business performance and their reputation.

  • Interest Rates. We already accepted the fact that when we apply for a loan, there’s always an interest rate that we need to pay. Make comparisons on what other money lenders are offering when it comes to their interest rates. Here are other factors that you should check.
    • Hidden fees and other essential details that are indicated in the contract’s fine print before you start signing. It is better that you know all the details, and this will prevent you from other disclaimers that you may not notice.
    • Think twice if the lender is offering low rates that seem too good to be true.
    • Take time in choosing the right lender. Again, do thorough research before you commit. The last thing that you would want is to be tied up to a fraudulent moneylender.


  • Application and Approval Process. We all know that it is a daunting task to apply for a loan from any banks especially for those individuals who have a poor credit rating, it is nearly impossible for their loans to get approved. There

Invoicing Methods Affect Your Cash Flow



Many small businesses rely on invoicing to get paid. Effective invoicing methods are critical to businesses’ success and can help merchants improve their cash flow. So, it’s no surprise that ineffective invoice strategies such as invoicing mistakes, delayed invoicing, and late payments can harm your business.

Clients may refuse to pay your invoices because of invoicing mistakes. Clients may forget about the services because of delayed invoicing. Finally, if clients know that they can pay late, they will.

If you’re planning to establish a business and need a startup business cash advance, turn to a reputable business funding provider. With a reliable and experienced alternative online lender, you can get the best cash advance for your startup business without any challenges.

The right invoicing strategy depends on clients, the type of industry you’re involved in, and your personal preferences. However, there are several effective invoicing techniques that you can follow to improve your cash flow:

  1. Establish and discuss clear terms and conditions before starting any work.
  2. Keep detailed records of products sold, hours worked, and expenses incurred. This way, you’ll keep your invoices accurate.
  3. Don’t fail to proofread all your invoices before sending them to clients.
  4. Send invoices to your clients without delay. Otherwise, your clients will forget about the service and avoid responding to the bill.
  5. Consider an invoicing reminder. It’d be great to have an automated invoicing process that sends reminders anytime a bill is unpaid for a certain period of time.
  6. Make it easy for clients to pay you. Ease of payments varies from client to client, but the majority of clients prefer digital processes.
  7. Shorten your payment terms. If you own a service-based business, demand 7-day payment terms. This doesn’t refer to those situations where you work with an enterprise-level business or government agency, which have their established payment policies.
  8. Know your client’s pay cycle. This will help you avoid a long lapse of time between sending an invoice and getting paid.
  9. If you have to pay another supplier, vendor, or freelancer in advance, the client must be on the hook for paying for that job upfront. At the very least, request a deposit that’ll cover this expense.
  10. Use invoicing software to automate your invoicing tasks. This way, you’ll avoid wasting time.

Invoicing plays an immensely important role for many business owners. If you’re among them and …

Advantages And Disadvantages Of Investing In Shares

The stalemate between the area and the Spanish government continues to be ongoing, however the information that the area isn’t dashing for the exit has lifted investor confidence. Your broker is the company who is answerable for speaking your trades to a clearing home, who then communicates your trades to a market center where the trade actually occurs. Whereas there are lots of books, websites, and sources discussing inventory market buying and selling strategies, little or no has been written particularly in regards to the psychology of trading, particularly for active short time period traders. If when the market plunges you panic and sell you will be A LOT worse off than for those who simply sit in cash. My plan is to hold 80% stocks/20% bonds however I am not certain if I use VAB (FTSE Canada All Cap Index ETF) or VUN (U.S. Whole Market Index ETF) for the shares half. That’s all you need to present the motivation when explaining the stock market to kids.

Merely, the inventory market is a place the place a complete lot of individuals come together to purchase and promote these stocks. CNBC’s Michael Santoli suggests Donald Trump shouldn’t demand an excessive amount of credit score for the US stock market rally. Kids have to know that without the inventory market, there could be no innovation or new merchandise like medicines that save lives, power-saving applied sciences and higher films or video video games. I know it would sound loopy however this fashion we purchase under the market value We also negotiate greater than others. There are various methods of buying and financing shares, the most typical being via a stockbroker Brokerage corporations, whether they are a full-service or discount dealer, prepare the switch of stock from a seller to a buyer. Also, mid-cap-value significantly outperform total market and small-cap-worth significantly outperform mid-cap-value.

Those that keep within the inventory market over longer periods of time make much more money. Your brokers fee is 5 dollars to buy it, then 5 dollars to promote it, and a ten dollar safety margin in case the lot must be break up up to be sold(this is VERY uncommon with such small inventory lots. But my timeframe contains 1987 Black Monday crash, 1990 recession, 2000 dot-com bubble and 2007-09 bear market. When the corporate grows larger, the value of …