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Insurance or stock market: Where should you invest?

Posted by admin
on December 14, 2017

Insurance or stock market: Where should you invest 

KEYWORD PHRASES – invest in insurance or stock market 

Financial freedom is everyone’s dream. Who wouldn’t like being a millionaire and have the money that can help in any unfortunate event or serve the needs of generations to come. People seek financial security for themselves as well as their family. Although savings help, can they alone drive you toward achieving the financial security that can alleviate adverse consequences?  

insurance
insurance

The Breakdown

Savings do help, but they may not be enough to face a financial crisis or get you the needed freedom. However, if these savings are invested, it can help you achieve the financial security you seek. Investment is the only way to enhance and earn great returns on your savings. When we talk about investments, the stock market comes to our mind. Stock markets or shares and securities have long served as the ultimate investment option. Since long, insurance has also been a lucrative investment option for many people. Certain insurance policies not only provide you with life cover but also offer investment options.  

With choice comes confusion. People often fail to decide whether to invest in insurance or stock market. Both options come with their own sets of benefits and risks. Let’s explore each option to help you figure out a solution. 

 

Insurance Investment 

Life insurance is an important component of your personal financial management. When considering life insurance, chances are your agent must have spoken to you about Investment-Linked Policies or ILPs. As the name suggests, these policies are a combination of investment and insurance. Many people prefer going for investment-linked insurance policies because they offer a great amount of exposure to insurance as compared to other life insurance cum investment products. ILPs are of two types –  

Single Premium ILPs 

In this type of ILP, you pay a lump sum premium to buy units in the sub-fund of your choice. Typically, single premium based ILPs offer less insurance coverage as compared to regular premium ILPs.  

Regular Premium ILPs 

If you hold a regular premium ILP, you are required to pay premiums in regular or monthly installments. This type of investment-linked policy offers you the advantage of adjusting your insurance protection as per your need.  

Since investment-linked policies play a dual role, they may sound apt. And, they may be. But, these policies come with various risks along with the benefits they offer.  

The Benefits and Risks Associated with ILPs 

ILP’s have several risks and benefits associated with them. These advantages and disadvantages relate to various aspects like the choice of sub-funds, returns, associated fees, and the use of premiums. Also, many people think that these policies are same as whole life plans. But, in reality, they are different.  

Unlike a whole life policy, ILPs offer you a wide range of sub-funds to choose from. Most insurers also provide fund switching options with a limited number of free switches and a fee on additional ones. While this freedom of choice allows you to put your money where you want, you are also incurring fees or are restricted to switch to better funds. Plus, ILPs do not offer guaranteed cash value. This is because the policy value built up depends on the performance of the sub-funds.  

The major disadvantage of the policy comes in the way your premium is used. By paying for these policies, you not only pay for the returns and coverage but also for the agent’s commission, fund management and administrative costs, any additional fee and charges, and the maintenance fees. Considering this, for the initial few years, you may not have any cash value attached to your policy.  

Stock Market Investment 

Singaporean Context 

Singapore has always been a high yielding market. But, the trends from 2013 to 2016 were not so great. 2016 had been a disappointing year at the stock market. Investors were showered with one shock after the other. The trends last year signified investors to adopt a cautious approach with stock markets in 2017. This was mainly because of the economic and political scenarios around the globe that was expected to bring in more volatility to the market. Current trends show the market slowly recovering. While nothing definite can be said, investors may be able to hope for a better future.  

 

Stock Markets – Risks, Benefits, and Solutions  

While the Singaporean stock markets may not give you positive signs as of November 2017, they may show high profitability in the future. That’s how stock markets are – volatile and unpredictable. Investing in stock markets has been a preferred choice for many investors. Yes, they come with risks. But, these risks have allowed investors to enjoy great returns. The biggest disadvantage that comes with this investment type is losing every penny you invested. But, if you are well versed and plan well, these investments can give you great returns.  

Financial planning and good portfolio management is the key to reap the high returns offered by stock markets. Keeping track with inflation, having the right mix of investments, keeping your financial goals in mind when investing, etc., are ways you can gain good returns. Whether you want to achieve financial freedom or gain good returns on investment to finance your child’s education or marriage, having a diverse portfolio can be beneficial. Using a dollar cost averaging strategy can be helpful in mitigating the risks arising from these investments. Dollar cost averaging is nothing but starting by investing small amounts of money at intervals to reduce the effects of violent price shifts. Good financial planning can take you a long way with stock investments.  

Conclusion

Whether you invest in insurance or stock markets, you will have to face the risks that come with them. While investing in insurance offers you life coverage and savings, there is no guarantee about the cash value you gain. Plus, the benefits are highly dependent on the performance of the funds. Stocks don’t get you insurance, but if done right, they have the potential for bringing you financial freedom. Everything boils down to your preferences and goals. Maybe balancing both investment options in consideration with your goals can be fruitful.  

 


Quick Credit Pte Ltd

Quick Credit Pte Ltd is the best money lender you will be able to find in Singapore. If you currently need help in anyway, do not be shy and let us know. Anything cash related, we will be able to help you. Our well train loan consultants will be able to come up with a good loan package to help you clear off all your outstanding bills or debts. In doing so, you will help you keep better track of all your expenses and money. We have been a licensed money lender since 2002.

We have the skills, knowledge and people to assist you through the entire loan process while providing you with excellent advice.

In addition, we have one of the highest positive moneylender reviews among money lenders in Singapore. Furthermore, Quick Credit is also one of the few moneylender open on Sunday!

Interested in knowing more about how you can get a loan from us? You can drop us an email at enquiry@quickcredit.com.sg. Our manager will get back to you as soon as possible. Or you can drop us a message here and our manager will get back to you soon.

Alternatively you can call us at +65 6899 6188. Or visit our office at 2 Jurong East Street 21 #04-01A IMM Building Singapore 609601. The nearest MRT station to us will be Jurong East Station.

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Steps to Prepare Financially for a Newborn (2017 Update)

Posted by admin
on December 5, 2017

Steps to Prepare Financially for a Newborn 

It’s always a delight to have a new member of the family or knowing that you are going to be a parent shortly. However, for lots of people, the financial uncertainty of bringing a child into this world can be a source of stress. That said; in this piece of information, we are going to enlighten you on several tips that will assist you to bring a child into the world devoid of worrying about your financial situation.  

newborn
newborn

Ensure Your Emergency Fund Intact 

There is nothing that is so convenient such as having an emergency fund in place. It might sound hard or an attainable to have sufficient emergency fund, but that will only remain unseen if you haven’t taken the first step. You can always save a piece of your month to month paycheck into your emergency reserve fund. That said, you have to note that, babies are very delicate being and they are only going to enhance the chances of emergencies. Therefore, if you don’t have an emergency reserve in place, it is high time to create a plan to contribute to an adequate rainy day fund.  

Plan for Increased Expenses 

With additional people in the family comes extra expenditure. If you already have a budget, you need to sit and think about on how it will look once you have a new member of the family (baby). If you lack the idea of the amount the newborn will need on a monthly basis, ask friends who have had baby lately or make a simple calculation. Once you have the real picture of what the newborn baby will need monthly; you have to start thinking about what expenses you will have to cut to accommodate the cost of him/her. Never forget factoring in the cost of health insurance.    

Evaluate Your Health Insurance Options 

Health Insurance option has never been a better option for many individuals. However, in a situation such as giving birth, health insurance has been one of the best tools in ensuring that women get the best maternity attention all over the work. Luckily, there are several health insurances to choose from, and the only thing you need to do is select a plan that will offer more coverage for the newborn-related expenses. As you make your choice, you also have t check how much more it will cost you to add the baby to mom’s or dad’s health insurance plan. Having a child qualifies as a qualifying life event which will provide you with a chance to improve your health insurance by work or the healthcare exchange outside of the yearly open enrollment time.

Finally, it makes lots of sense to switch from one plan to another relying on the increased cost of adding up dependents. 

Plan for Paid/Unpaid Leave 

You and your better half discussed how much time you are planning to take off? If not, this is the right now to do so. Leave are usually very critical to the mother, father and the newborn during this time. That said, as a family, you also need cash to be able to cater to the need for the newly born child and now here comes the situation of paid leave.  

As an employee of any company ensure that you have information as to whether your firm proffers paid, unpaid or partly paid leave and more importantly, how long the benefits last. If you are planning to take unpaid leave or partially paid expenses, it is essential to have money set apart to pay for the expenditure whereas you are on the payroll.    

Think About Estate Planning 

It might appear a bit off the hook, however, having an estate planning document in place early enough might be a good idea because anything might happen for instance death and so forth. You have to start thinking about whom you what your property left to when you die and whom you would wish as a guardian for your child. You can write all these intentions in your estate planning documents. It is also the best time to reassess your life insurance needs, factoring the newborn. 

Start Thinking About College 

When a baby is born, you all concentrate on the immediate things. Like clothing the baby, feeding the baby and so forth. However, it is relatively essential to have a long-term plan for securing your future and your child’s future. With that in mind, you need to begin discussing the percentage of college cost you would like to save. Make a plan to save enough cash to achieve your college funding goals. Just like retirement, beginning early is one of the most vital things. You can do so to save enough to achieve your goals. Once you have a saving plan in place, work with an expert and see which kind of plan works better for you. 

Preparing financially for a baby might assist you to plan for the unanticipated and protect you from the unexpected. If you still do not know where to go from here. Look for an expert who can assist you or educate you; however, you need to make sure that he/she is a certified personnel. 

Open a baby-fund for diverse baby plus mommy expenditure 

Besides getting health and life insurance, you can as well open an account for the newborn. And start saving for him/her for the unexpected eventuality. The many you are saving in the baby account might be of great importance in different ways. For instance, buying clothes, medical care as well as any other extra cost that comes your way. Financial preparation will assist in dealing with stress-related with unforeseen issues.  

Discuss and explore daycare 

Before you get a baby, you need to discuss. If you or your better half has the plan to stay in the house with the child. Or if you’ll use a daycare. All the options can affect your financial ability dramatically. Before doing anything, you need to discuss options to give yourselves a chance. To prepare for a financial change which will assist both of you to deal with stress effectively. 

 


Quick Credit Pte Ltd

Quick Credit Pte Ltd is the best money lender you will be able to find in Singapore. If you currently need help in anyway, do not be shy and let us know. Anything cash related, we will be able to help you. Our well train loan consultants will be able to come up with a good loan package to help you clear off all your outstanding bills or debts. In doing so, you will help you keep better track of all your expenses and money. We have been a licensed money lender since 2002.

We have the skills, knowledge and people to assist you through the entire loan process while providing you with excellent advice.

In addition, we have one of the highest positive moneylender reviews among money lenders in Singapore. Furthermore, Quick Credit is also one of the few moneylender open on Sunday!

Interested in knowing more about how you can get a loan from us? You can drop us an email at enquiry@quickcredit.com.sg. Our manager will get back to you as soon as possible. Or you can drop us a message here and our manager will get back to you soon.

Alternatively you can call us at +65 6899 6188. Or visit our office at 2 Jurong East Street 21 #04-01A IMM Building Singapore 609601. The nearest MRT station to us will be Jurong East Station.

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Singapore’s Competitive Advantage in the World (2017 Update)

Posted by admin
on November 28, 2017

Singapore’s Competitive Advantage in the World 

KEYWORD PHRASES – Singapore’s competitive advantage 

competitive advantage
competitive advantage

 

 

 

 

 

 

When you think about Singapore, one thing that comes to your mind is its transformation from a third world country to a first world developed nation. When Singapore gained independence, it had little or nothing to develop. The time saw the city-state with minimal natural resources, little space to accommodate the immigrant population, and no support from neighboring nations. Today, Singapore has a great economy and has turned into a developed nation. Singapore stands on the pinnacle of the world along with top-tier cities like New York and London. It’s economy dwarfs many Asian, African and European economies.   

A 2013 World Economic Forum report on Annual Global Competitiveness saw Singapore rank second. The report cited the city-state’s institutional framework and the sound macroeconomic environment and fiscal management as the reasons behind it.  

Those who know the nation well can say that there’s much more to Singapore’s competitive advantage than these metrics. Several qualities, right from its geographical advantage and leadership quality to strategic abilities, make Singapore stand at par with world leaders.  

 

Geographic Location 

Singapore’s location has played an important role in its transformation from a third-world country to a first-world economy. As mentioned above, the city-state had little to go on with during independence. The major disadvantage was the lack of foreign support. Had the city-state waited for foreign help, it would probably still be waiting to be developed. Rather, Singapore’s leaders utilised whatever they had to their advantage. A city-state with a harbour has the advantage of marine trade. Singapore is located right in the middle of the trade route between Europe and the Far East. The excellent harbour not only allowed ships to anchor safely but also posed a convenient centre for supply and exchange of goods and information.

Singapore took advantage of these opportunities and encouraged free trade with nations. Today, the nation’s port is the busiest and also acts beneficial for new age businesses like e-commerce. It contributes a great portion (7% as of 2015) to the nation’s GDP and acts as a competitive advantage.  

Quality Leadership 

The credit for Singapore’s success undoubtedly goes to the nation’s government. When it had nothing, Singapore was blessed with a leader like Lee Kuan Yew. Lee Kuan Yew was Singapore’s first prime minister and is credited with the engineering of city-state’s economy. He took globalisation as an approach to bring Singapore out of bad times. He has a major hand in making the city-state attractive, not only in materialistic terms but also through attributes.

Singapore’s economy is based on strong morals of pragmatism, meritocracy, and honesty. The city has practiced equality and put the nation in the hands of the one who deserves it and not the ruling class or heirs only. It has also embraced immigrants with warmth and allowed them to reap the benefits of the nation’s economy. The government is non-corrupt and practices a fair system. This has brought stability to Singapore’s economy and attracted various businesses to the nation. In times, where social and religious issues tear apart nations, Singapore definitely has the advantage of good governance.  

A Do or Die Approach  

Singapore has had limited or no choice always. Since it lacks the power of natural resources, the nation has to face challenges head or it may suffer a major downfall. Singapore manages challenges with a very pragmatic approach. First, it works on maintaining the hard or materialistic aspects of economic development to stay in the advanced stage. Second, it nurtures the soft sides of trust, integrity, and building a country brand. Instead of chasing the illusion of perfection, those who find opportunities in adverse times have a high chance of success. Singapore does just that. It understands the forces that impact and shape economies, reads weak signals, and responds quickly to alleviate adversities. This strategic skill is one of the most enduring competitive advantages of the nation.  

A Collaborative Approach toward Talent 

One of the biggest advantages is human talent. Singapore has long recognised the importance of developing and nurturing talent. A 2017 Global Talent Competitive Index compiled by INSEAD saw Singapore on the 2nd position for attracting and retaining talent. Talent management has been a problem for businesses around the world. Instead of taking competition in a negative way, i.e., implementing the approach of us versus the world, Singapore embraces a collaborative policy of us and them.

It welcomes talent from all around the world and believes in cooperation of governments and organisations with education systems to remain competitive. This mindset can bring in positive changes within industries and the economy. Additionally, it can help leaders look at competitors as partners and turn perceived threats into opportunities. With disruption taking over economies and the world moving towards a digital future, a collaborative and welcoming approach can benefit nations.  

It is not only the material aspects like infrastructure and high currency value that gives nations a competitive advantage. Often strong economies are also base on positive values. Therefore. Singapore’s competitive advantage is the perfect example that involves a right mix of both.  


Quick Credit Pte Ltd

Quick Credit Pte Ltd is the best money lender you will be able to find in Singapore. If you currently need help in anyway, do not be shy and let us know. Anything cash related, we will be able to help you. Our well train loan consultants will be able to come up with a good loan package to help you clear off all your outstanding bills or debts. In doing so, you will help you keep better track of all your expenses and money. We have been a licensed money lender since 2002.

We have the skills, knowledge and people to assist you through the entire loan process while providing you with excellent advice.

In addition, we have one of the highest positive moneylender reviews among money lenders in Singapore. Furthermore, Quick Credit is also one of the few moneylender open on Sunday!

Interested in knowing more about how you can get a loan from us? You can drop us an email at enquiry@quickcredit.com.sg. Our manager will get back to you as soon as possible. Or you can drop us a message here and our manager will get back to you soon.

Alternatively you can call us at +65 6899 6188. Or visit our office at 2 Jurong East Street 21 #04-01A IMM Building Singapore 609601. The nearest MRT station to us will be Jurong East Station.

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6 Ways To Increase Investment in Your Startup

Posted by admin
on November 20, 2017

6 Ways To Increase Investment in Your Startup

KEYWORD PHRASES – raise funds for a startup 

investment
investment

You have a million-dollar business idea and you want to bring it out in the market? And, you are also willing to put in sweat equity to bring that idea to fruition? Great, what next?  

Starting a business is not rocket science, but is no less daunting than that. The first thing that you need to establish a business is money or capital. The stage of raising funds for a startup poses great challenges, but is crucial enough to decide the success or failure of your venture. Right from attracting investors to managing the capital successfully, raising seed money can be daunting if you lack knowledge and fail to strategise. Several aspiring entrepreneurs typically give up on their idea at this stage or fail to establish their business because of the lack of capital.  

Good financial planning and strategising is the key to attract investment for your startup. If you are an aspiring entrepreneur and looking for tips to enhance investment, here is a brief guide to raise funds for a startup.  

 Tap into Your Own Finances 

Investment in your startup plan must start with you. If you do not have enough money to back you, why would anyone lend you? Lacking the money to even partially fund your business plan equals low credibility. No one, including your friends and relatives, will be willing to take chances with their money. Showing credibility is vital to secure investment for your startup. Tap into your savings to fund your business idea. Knowledgeable investors want to see financial confidence and credibility when funding business ideas. They will favour enthusiasts with more than just sweat equity.  

Have the Right Team in Place 

A powerful management team adds value to a business and attracts investors easily. Having sufficient knowledge in the field is not enough to qualify as a strong founding team. Along with knowledge and experience, the right balance of skills is vital to propel businesses to successful heights. Working with someone with a similar thinking process may seem great but can be counterproductive in the long run. This is because the team would lack valuable foundation skills. For example, for a real estate business, a founding team of one with expertise in real estate and the other with knowledge about finance and investments would be fruitful. A team with complementary skills shows strong success rate and will easily attract investors.  

Go for Strategic Investors 

Funding from strategic investors is the best thing your business could get. These investors have interests that align with your business and seek more than just financial returns from your venture. They can be in the form of companies as well as individuals. There are several established companies that seek to expand in new areas or solve their own problems and can bring in investments to profitable ideas that serve as a solution to their demands. Large corporations like Google, IBM, Intel, Microsoft, promote startups through early and later stage investments. Such investors can also end up being potential clients, promoters, partners, and acquirers in the long run.  

Individual strategic investors or angel investor is another option. These individuals not only provide funds but also bring along their valuable skills and advice to your business. While some take an active part in the business, others may act as sleeping partners. Make sure you are willing to part with a good amount of stake when considering strategic investors.  

Consider Clients for Raising Investment  

There’s nothing great than finding a client who finds enough value in your idea to contribute to the seed money. Client investment can come in different forms – they could be early adopters and fund you for a prototype development, they could make a direct investment, or they may share a part of their business operations with you to minimise risk. Ask yourself who are your potential clients and how would they benefit from your product or service? The answer will help you frame a pitch and gain their interest to invest in your company. If you secure the interest of some big names, then you may have the added credibility to your advantage.  

Bootstrap  

The only limited thing in your hand is finances when you are starting out. Bootstrapping or using every penny wisely is the most cost-effective way to enhance your financial resources. Controlling expenses or utilising resources optimally could be beneficial in not only enhancing investment but also in attracting potential investors. Investors would be interested in a team who knows the value of their money and handles it accordingly. Keep fixed costs to the minimum and carefully handle variable expenses. Ideas for bootstrapping include using shared office spaces and equipment, being a part of business incubators, negotiating fees and terms with service providers and suppliers, using technology like to save expenses like travel, hiring fresh graduates, etc.  

Utilise Crowdfunding  

Crowdfunding is gaining wide popularity amongst aspiring entrepreneurs. Unlike other investment options, crowdfunding allows you to gain small amounts of money from the ordinary public. Plus, you need not necessarily provide them dividends as returns. Crowdfunding can be done in various ways. While equity fundraising is one, you can raise donation-based money or provide investors with early access to your products and services in return for their investment. This option is great for individual inventors, entrepreneurs, and those seeking to make a difference in the world through their venture. This investment option is also great for ventures aligned with social issues as such issues pique the interest of the public and can attract investment.  

There’s no one way to raise funds for a startup. A good amount of thought and a strong financial and business plan will ensure you gracefully attract investment and drive your venture toward success.  

 


Quick Credit Pte Ltd

Quick Credit Pte Ltd is the best money lender you will be able to find in Singapore. If you currently need help in anyway, do not be shy and let us know. Anything cash related, we will be able to help you. Our well train loan consultants will be able to come up with a good loan package to help you clear off all your outstanding bills or debts. In doing so, you will help you keep better track of all your expenses and money. We have been a licensed money lender since 2002.

We have the skills, knowledge and people to assist you through the entire loan process while providing you with excellent advice.

In addition, we have one of the highest positive moneylender reviews among money lenders in Singapore. Furthermore, Quick Credit is also one of the few moneylender open on Sunday!

Interested in knowing more about how you can get a loan from us? You can drop us an email at enquiry@quickcredit.com.sg. Our manager will get back to you as soon as possible. Or you can drop us a message here and our manager will get back to you soon.

Alternatively you can call us at +65 6899 6188. Or visit our office at 2 Jurong East Street 21 #04-01A IMM Building Singapore 609601. The nearest MRT station to us will be Jurong East Station.

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How Can Businesses Create a Smarter Workplace

Posted by admin
on November 17, 2017

How Can Businesses Create a Smarter Workplace 

KEYWORD PHRASES – build a smart workplace 

smart workplace
smart workplace

Gone are the days where your day at work ends as the clock strikes 5. Decades ago, your work officially ended as you left the office space and you only come back to it the next day. Today, the advent of technology has changed the face of businesses. Technology has made work easier and smarter. So, is your business using technology at the workplace?  

High productivity and profits are the ultimate goals of any business owner. But, as an entrepreneur, you alone are not going to achieve that. As and when your business grows your team expands and collectively you take your firm toward success. To achieve these goals, entrepreneurs are striving to build an ideal and productive workplace.  

But, what is an ideal workplace? An ideal workplace focuses on smart work. Your workforce can decide the success and failure of your business. Having a smarter workforce is your first step to build a smart workplace. However, with the challenges posed by technology how do you do that? The use of technology in a positive way combined with certain other measures can help you build a smart workplace.  

 

Using Technology to Benefit Your Business and Employees 

Technology helps ease a lot of business tasks. Using the benefits of technology to bring more productivity and flexibility to your business can help create a smarter workforce. How?  

Use it for Easy Communication 

You no longer have to worry about connecting with a potential employee having a day-off for a crucial meeting or going to the employee sitting in a distant corner of the office to communicate an important thing. Technology can do that for you. Using Google Hangouts, Skype, e-mail, etc. to communicate in as well as out of office allows ease and flexibility. If an employee needs to take a half-day to cater to her kid’s needs, they can be available on mail and phone in case of need. This offers work-life balance and ensures productivity is not hampered.  

Digitising Business Operations For Enhanced Organisation 

Technology leads to an organised workforce and business. Disorganised tasks and data lead to low productivity and failures. Use technology to organise business operations and daily tasks. Adopt an electronic filing system, cloud-based accounting software, digital inventory management, productivity trackers, and more to ease business operations. Furthermore, utilise reminders and calendars to set up tasks. Utilising technology to make your business more organised will leave you and your workforce with more time to focus on important tasks.  

When using technology to your advantage ensure you have plans to reduce the disadvantages that come along. For example, spending too much time on social media or constantly going back to email and chats can be distracting. Encouraging employees toward organising their time and identifying the line between breaks and distraction can be helpful.  

Offering More Flexibility  

Research has shown that lack of breaks leads to burnout and low productivity. When you work for days together or even for long hours without taking enough breaks, you may stress yourself out and lower your productivity. To provide employees an encouraging work atmosphere, Indeed, a tech company introduced unlimited paid vacations in 2016. When researched its productivity, the company found that they hit the goals in spite of the fact that its employees took 30 percent more time off. Offering employees the flexibility to take time off work and encouraging them to take frequent breaks during work can take away the work pressure and bring you a healthier and a smarter workforce.  

Provide a Comfortable Environment 

No one likes working in dull and boring spaces. Comfort has a huge impact on employee productivity. Considering the amount of time employees spend at workplaces today, comfort is an important factor to create a smart workplace. There’s nothing worse than an employee showing low productivity because of monotonous work routines or developing a back problem sitting in a single place for hours together. Ergonomics or the study of people efficiency at workplaces and aligning that with your office infrastructure could be helpful in creating a comforting and fun environment. A vibrant and balanced space with alternative seating options can offer employees with a different vibe and in turn, enhance their productivity.  

Continuous Motivation  

Who does not want some encouragement and recognition at workplaces? Everyone does. In fact, millennials continuously seek feedback and motivation. Additionally, they are attracted to workplaces that have employee engagement programs like social events. Feedback is vital to keep and enhance an employee’s productivity. Timely feedback, rewards, and support, offers motivation to employees and encourages them to give their best. Plus, having socially driven activities or fun sessions like company barbeques or lunches can get them excited about work prevent them from slipping them to discouragement and boredom.  

A smart workplace starts with a smart team. Implement these points and build a smart workplace by having a motivated and energised talent team.  


Quick Credit Pte Ltd

Quick Credit Pte Ltd is the best money lender you will be able to find in Singapore. If you currently need help in anyway, do not be shy and let us know. Anything cash related, we will be able to help you. Our well train loan consultants will be able to come up with a good loan package to help you clear off all your outstanding bills or debts. In doing so, you will help you keep better track of all your expenses and money. We have been a licensed money lender since 2002.

We have the skills, knowledge and people to assist you through the entire loan process while providing you with excellent advice.

In addition, we have one of the highest positive moneylender reviews among money lenders in Singapore. Furthermore, Quick Credit is also one of the few moneylender open on Sunday!

Interested in knowing more about how you can get a loan from us? You can drop us an email at enquiry@quickcredit.com.sg. Our manager will get back to you as soon as possible. Or you can drop us a message here and our manager will get back to you soon.

Alternatively you can call us at +65 6899 6188. Or visit our office at 2 Jurong East Street 21 #04-01A IMM Building Singapore 609601. The nearest MRT station to us will be Jurong East Station.

 

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How Do You Manage Your Loan Repayment

Posted by admin
on November 9, 2017

How Do You Manage Your Loan Repayment

KEYWORD PHRASES – managing loan repayments 

Loans scare people. Whatever the interest rate charged (low or high), loans are debts that can burden your financial state and pose obstacles to the path to financial freedom. Although loans are usually the last resort, there are times when they are needed and useful. Be it for a business project or the necessity of a home, loans are taken for various reasons. But, once obtained, many borrowers are haunted by the issue of managing loan repayments. Several borrowers have horrific stories to tell about loans extended till retirement, missed EMI’s and harassing calls from lenders, or heavy penalties.  

The major reasons people face difficulties with loan repayments is the lack of financial planning. A close look at your financial health and planning the outflow of money can settle the issue of loan repayments. If you have a loan and find it difficult to manage them, here’s a short guide on managing loan repayments.  

 

repayment
repayment

Draw Up a Monthly Budget 

A budget is always helpful when you plan for financial freedom. Having a monthly budget can ease your loan repayment schedules. List down your monthly expenses and income, including minor details of where your money goes. This will help you analyse where you need to cut down to repay your loans faster. Along with it, you also get an idea about your income and savings that will help you prioritise loan repayments. Make sure your monthly debt commitments do not cross 35% of your gross monthly income. Keep this in mind when taking loans can be helpful.   

Prioritise Repayment of High-Interest Loans 

While a single loan repayment is easier, many people face difficulty when managing multiple loans. Why? Although they draw up a budget, they fail to prioritise their loan repayments the right way. The fact that you have a debt is definitely a burden, but what adds to it is the interest rate charged. Higher the interest rate, more the burden of debt repayment. Minimising the total interest rate paid on all loans can reduce the load on your finances.

Debt avalanche is a strategy that can be helpful here. It involves putting the maximum amount of money against the high-interest rate loans without risking the repayment of other loans. List your loans with their interest rate and allocate the maximum amount to the one with the highest interest rate like credit card payments. Once that gets cleared, use the same strategy by moving on to the next one. Using this strategy can ease debt management.  

Raise Your Regular Repayments  

Did you get a pay hike? Or did you receive a fat bonus? Why not use it to free yourself from debts? Gains can come in various forms like pay hike, bonuses, income tax refunds, profits on your investments, etc. Using financial benefits that you gain to repay your debts could ease your financial commitments. Whenever you have extra money to spare, call up your lender and ask them if you can raise your repayment amount. If you have a good amount of money accumulated, you may even consider repaying with a lump sum amount. However, make sure there are no penalty charges attached to this. Some loans may come with conditions like a fine on early or increased repayments and advanced notice before increasing regular payments.  

Use Investments and Schemes for Debt Commitments 

Debts can be divided into good and bad debts. Debts that pay you back or has a futuristic financial value attached are good, but those that will not add to your financial value are truly a burden. Bad debts like credit card payments and automobile loans can add to the burden of your financial commitments. While using your retirement savings or any other investments is usually the last option, they can be beneficial if debts exceed and near insolvency.

Additionally, Singapore offers schemes like Debt Consolidation Plan, Debt Management Plan, and Debt Repayment Plan for those struggling to pay off debts. While DMP and DRP work with you to pay off your debts, DCP consolidates all your debts across different financial institutions and puts them in a single institution to help you ease your monthly obligations.  Make sure to read the terms and conditions surrounding your investments and these schemes to ensure you use the right one.  

Make Changes to Your Lifestyle to Repay on Time  

Your spending habits and expenses can add to the difficulty of loan repayments. Apart from the above-mentioned things, there are little habits that would ease your debt commitments and take you closer to financial freedom. Keep a check on your spending habits. Do you splurge the profits you gain on expensive dinners and gadgets? Or do you balance them with investments? If the answer is former, you need to make changes to your lifestyle. Go easy on movies, dinners, shopping, etc., to help you trim your expenses and repay debts faster. Having a balanced financial routine is great, but make sure you prioritise your commitments in consideration with your goals.  

Keeping these strategies in mind will allow you to ease the process of managing loan repayments. Balance is the key. Cultivating healthy financial habits will ensure you become free of debts and enjoy financial freedom.  

 


Quick Credit Pte Ltd

Quick Credit Pte Ltd is the best money lender you will be able to find in Singapore. If you currently need help in anyway, do not be shy and let us know. Anything cash related, we will be able to help you. Our well train loan consultants will be able to come up with a good loan package to help you clear off all your outstanding bills or debts. In doing so, you will help you keep better track of all your expenses and money. We have been a licensed money lender since 2002.

We have the skills, knowledge and people to assist you through the entire loan process while providing you with excellent advice.

In addition, we have one of the highest positive moneylender reviews among money lenders in Singapore. Furthermore, Quick Credit is also one of the few moneylender open on Sunday!

Interested in knowing more about how you can get a loan from us? You can drop us an email at enquiry@quickcredit.com.sg. Our manager will get back to you as soon as possible. Or you can drop us a message here and our manager will get back to you soon.

Alternatively you can call us at +65 6899 6188. Or visit our office at 2 Jurong East Street 21 #04-01A IMM Building Singapore 609601. The nearest MRT station to us will be Jurong East Station.

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6 reasons to start trading in Bitcoin (2017 Update)

Posted by admin
on November 3, 2017

6 reasons to start trading in Bitcoin 

KEYWORD PHRASES – start trading Bitcoin

bitcoin
bitcoin

The recent years have seen cryptocurrencies gaining immense popularity among investment enthusiasts. Of all the digital currencies available in the market, bitcoin has been at the forefront. Bitcoin, a digital currency, is not controlled by any central bank and has appealed to people for a variety of reasons. The free access, limited restrictions, surging prices, behavioral differences from traditional currencies, and more have triggered a great interest in bitcoins.  

Since its inception in 2009 till today, the currency has seen enormous growth. Quite recently, the markets saw the currency’s value surpass that of gold. In spite of the tragic incident in 2014, bitcoin has succeeded in churning wide interest amongst financial enthusiasts.  

The rising value and promising returns have awakened aspiring investors to start trading bitcoins. If you are keen to invest, but not able to come to a decision, we give you several reasons why you should start trading bitcoins. 

 1. It works on a Decentralised System and Offers Security 

It is common knowledge that bitcoin is not a centralised currency, i.e. it is not controlled by any single source. The decentralised nature of this currency makes it quite secure. How?  

Bitcoins are not created by a single source. Anyone, having the resources and knowledge, can mine (create) bitcoins. Being a digital currency, bitcoin works on blockchain technology. Blockchain, as the name suggests, is a technology signified by a chain of information blocks. Whether you mine, transact, or trade using bitcoins, information blocks get added to the chain of events. These events are stored in the virtual world and can be accessed by anyone.  

Today, for information on the amount of paper currency you hold, you need to connect with the particular bank where you store your money. But, with bitcoins, if you wish to go back and look at any transaction details you can access it from any source. Plus, you cannot remove blocks (data). This reduces the chances of fraud. Decentralisation and easy access to historic data offer immense security to bit coin trading.  

2. Promising Gains 

Bitcoin’s value is experiencing a boom. Early 2017 saw reports on Bitcoin surpassing the value of gold. Recent reports state that the Bitcoin value almost touched USD 6,000 mark. Plus, currently, the value of bitcoin is approximately USD 5,600/SGD 7,600 higher than that in the recent months (approx SGD 6,000). The surging prices clearly indicate the promising returns it can yield for investors and traders. Furthermore, many commentators speculate about Bitcoin being a global currency. In a continuously digitising world, if this happens, the value of Bitcoin could rise substantially. The rising value clearly signifies that now is the right time to invest in bitcoin.

3. Bitcoin is a Scarce Currency 

21 million is the cap on bitcoin release. Unlike traditional currency, bit coin is subject to a fixed supply limit. No more than 21 million Bitcoins can be created and released in 100 years. So, each year, there is a particular quantity of bitcoins mined. Eventually, as the number closes on 21 million, the supply will decrease and become zero at a point. Lower supply typically results in deflation and hoarding. But, a currency like bitcoin, with a fixed supply, may be able to save investors by preventing adverse consequences.  

4. Offers Easy Accessibility and 24/7 Trading Opportunity  

Unlike stock investments, bitcoins do not require you to tie your money to churn profits from investments. Being a form of digital currency, bitcoin is available anytime and can be invest in instantaneously. There are hundreds of Bitcoin exchanges that allow you to buy, sell, and trade in the cryptocurrency. Coinbase and CoinHako are two of the popular Bit coin exchanges available in Singapore. Plus, these Bit coin exchanges operate 24/7. This offers you the opportunity to buy, sell, or trade in the currency anytime and from anywhere. Thus, the easy and instant accessibility and anytime trading opportunity makes Bit coin an appealing cryptocurrency.  

5. Bitcoin is Highly Volatile  

Bit coin is a highly volatile digital currency. While its unpredictable nature scares many, it’s a great opportunity to make money. The currency is decentralise, with no particular source churning out bitcoins. Because of this nature, the prices tend to vary frequently, creating arbitrage opportunities for savvy traders. Regular traders want to avail benefits of low prices and sell them at a high price to earn profits. Thus, the unpredictable nature of bitcoin offers speculators a chance to make good profits through this currency trading.   

6. Emerging Global Currency 

Although bitcoin came into existence in 2009, the currency is still in the emerging phase. While it is operational in several nations, it still remains unexposed to various countries and a hoard of customers. Plus, the technology behind bitcoin is being adopt in various applications and not only in currency trading. Also, this opens up a wide array of opportunities for bit coin enthusiasts. With digitisation taking over the world, more and more countries are seeking to legalise this cryptocurrency. Additionally, with several nations adopting the currency for various applications, it has the potential to become a global monetary form.  

Here were all the reasons you should start trading Bitcoins. Remember, you can start with even a minimal amount. Make sure, you analyse your financial health and understand the cryptocurrency well before jumping to buy bitcoins.  


Quick Credit Pte Ltd

Quick Credit Pte Ltd is the best money lender in Singapore. If you currently need help in anyway, do not be shy and let us know. Anything cash related, we will be able to help you. Our well train loan consultants will be able to come up with a good loan package to help you clear off all your outstanding bills or debts. In doing so, you will help you keep better track of all your expenses and money. We have been a licensed money lender since 2002.

We have the skills, knowledge and people to assist you through the entire loan process while providing you with excellent advice.

In addition, we have one of the highest positive money lender reviews among money lenders in Singapore. Furthermore, Quick Credit is also one of the few money lender open on Weekend!

Interested in knowing more about how you can get a loan from us? You can drop us an email at enquiry@quickcredit.com.sg. Our manager will get back to you as soon as possible. Or you can drop us a message here and our manager will get back to you soon.

Alternatively you can call us at +65 6899 6188. Or visit our office at 2 Jurong East Street 21 #04-01A IMM Building Singapore 609601. The nearest MRT station to us will be Jurong East Station.

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Economic Policy of Singapore (2017 Update)

Posted by admin
on October 9, 2017

Economic Policy of Singapore  

economic policy
economic policy

Policies on the island nation Singapore cannot be make in isolation. Because the economy is affect by extreme events on a regional and global level. The nature of extreme events would determine the type of policy interventions and responses. In the case of SARS, the key challenge was to ascertain the root cause of the SARS epidemic. And find a cure for the SARS virus. For the GFC, the objective was to prevent job losses and keep the island economy on track for recovery post-GFC. Additionally, Singapore is a small open economy and being a trade dependent economy, exchange rate policy (where the Singapore Dollar is kept within an undisclosed band of the US Dollar) is endorsed to have exports of goods and services in a favorable position.  

This provides employment and enhances BOP by monitoring the foreign exchange. SARS and GFC call for vastly different policy measures . These measures aim at addressing the vulnerability of the island economy from extreme events. Thus, the following outlines the measures to preserve jobs, manage extreme events and island nations’ intervention. 

Budget toward job preservation policy

To address the impacts caused by SARS, the Singapore government implemented a SGD231 million (in 2003) SARS relief package to reduce the costs for tourism operators. And its auxiliary services and a SGD230 million economic relief package to aid businesses. The Singapore National Wage Council recommend SARS-struck companies to minimize job losses. And by adopting temporary cost-cutting measures and wage cuts were used as a last resort. The measures adopted included implementation of shorter work week. And temporary lay-offs, arrangement for workers to go on leave or undertake skills training. And upgrading provided by the Ministry of Manpower (MOM) and associated agencies. 

In response to the GFC, the fiscal measures were aimed at maintaining business competitiveness and preserving local jobs. A Resilience Package worth SGD20.5 billion (in 2009) was announce. And to save jobs, enhance cash flow and competitiveness of firms and strengthen the economy’s long-term capabilities. This Budget was funded from surpluses rather than from borrowing — which suggests that taxes would not rise in the future to fund current spending.  

 

Resilience Package policy

As part of the Resilience Package, Jobs Credit Scheme serves to preserve jobs for Singaporeans and minimize retrenchment; the Skills Programme for Upgrading and Resilience offers course subsidies. Furthermore, to allow the upgrading of skillsets and the Workfare Income Supplement provides support for low-income workers and increase public hiring. Thus, to lessen the expenditures for families, a 40% reduction in residential property tax. And a personal income tax rebate of 20% capped at $2,000. Also,  increase in Goods and Services (GST) credits and raising of the Central Provident Fund housing grant to $40,000 were offered to eligible recipients. 
Additionally, the scale of rescue packages differs between both extreme events due to the nature of the crisis. The package for GFC was warranted as the magnitude of impact and the time taken to return to pre-crisis levels were greater for some of the selected indicators examined.  

Toward a governance structure and Policy

The SARS epidemic challenged the prevailing Home front Crisis Management structure as the epidemic transcended beyond managing civil defense incidents. Thus, one important lesson the Singapore government learn from the SARS epidemic was the crucial role play by bureaucratic system in disaster management. And the bureaucratic structure in place was severely inadequate in terms of handling a situation that was both fluid and unprecedented (Lai and Tan, 2012). Thus, the policymakers realized the necessity to adopt a comprehensive disaster governance structure, an all-hazard approach that includes a mechanism for seamless integration at both the strategic and operational levels among various government agencies.  

To this end, Singapore revamped its Home front Crisis Management framework to produce the current inter-agency structure. A three-tier national control structure was create in response to SARS. Also, these tiers were individually represent by the Inter-Ministerial Committee (IMC), the Core Executive Group (CEG) and the Inter-Ministry SARS Operations Committee (IMOC) (Tay and Mui, 2004). The nine-member IMC was chair by the Minister of Home Affairs (MHA). And it fulfill three major functions: to develop strategic decisions, to approve these major decisions and to implement control measures. 

 

Ensuring Liquidity

Similarly, Singapore learned from the 1997 AFC to strengthen its financial system and to remain robust (Thum, 2010) in preparation for future crisis. Additionally, in response to the GFC, the MAS ensured that firms had access to liquidity to ensure the smooth functioning of financial markets. For example, the MAS enter in a USD$30 billion swap with the US Federal Reserve and Singapore denominate debt securities are accept if it is AAA rate. Thus, regulators need to complete their effort at implementing a macroprudential approach to enhance resilience within the system.  

And these are more effective in cooling housing markets and speculative purchases. (Arnold, 2014) Thus, than the traditional monetary policy of raising interest rates which may dampen economic activity (Flaherty and Schneider, 2014). Additionally, a combination of prudent and administrative measures such as limits on loan-to-value ratios and transaction taxes prevents excess liquidity from fueling asset price bubbles in the private property market. Thus, there is a need to streamline terms and conditions of different mortgage types and communicated in simple terms for the general public.  

 

Information Policy

Information present in this manner enables an ease of understanding and allows decision to be make and act upon easily. Also, the world is becoming a smaller place and economies are becoming more dependent on exports, investments, equities and property and market sentiments. Thus this is clearly draft out in Giles (2011) where a timeline identified the global impacts of the GFC. Export-led economy requires supply side intervention to ensure that businesses remain competitive and allow the creation of upstream value-added jobs. Futhermore, some examples include labor force productivity, new innovative and technological advanced industries and encouraging entrepreneurship. And this is especially critical in the case of Singapore where labor is the only source of natural resource. 


Quick Credit Pte Ltd

Quick Credit Pte Ltd is the best money lender in Singapore. If you currently need help in anyway, do not be shy and let us know. Anything cash related, we will be able to help you. Our well train loan consultants will be able to come up with a good loan package to help you clear off all your outstanding bills or debts. In doing so, you will help you keep better track of all your expenses and money. We have been a licensed money lender since 2002.

We have the skills, knowledge and people to assist you through the entire loan process while providing you with excellent advice.

In addition, we have one of the highest positive money lender reviews among money lenders in Singapore. Furthermore, Quick Credit is also one of the few money lender open on Weekend!

Interested in knowing more about how you can get a loan from us? You can drop us an email at enquiry@quickcredit.com.sg. Our manager will get back to you as soon as possible. Or you can drop us a message here and our manager will get back to you soon.

Alternatively you can call us at +65 6899 6188. Or visit our office at 2 Jurong East Street 21 #04-01A IMM Building Singapore 609601. The nearest MRT station to us will be Jurong East Station.

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Sources of Alternative Business Financing in Singapore

Posted by admin
on October 3, 2017
Sources of Alternative Business Financing in Singapore
Sources of Alternative Business Financing in Singapore

Running a business is not easy. It demands a lot of time and capital to stay afloat during the formative stages. Depending on the type of business, it takes time to re coup the initial investment. There comes a time when the investor may want to grow the business and will requires additional funds which are not readily available.

Banks are the most common sources of financing in Singapore or one to qualify for a bank loan they must produce valid identification documents, business permits and/or licenses. If the business is a partnership then all partners/co-owners must be vetted accordingly. The applicant must submit current bank statements, financial statements, tax assessment among others. The applicant must also prove that the business has a minimum turnover of a set amount prescribed by the bank depending on the amount applied for.

So what are the available alternatives to bank loans?

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How To Retire At Age 50 (2017 Update)

Posted by admin
on September 26, 2017

How to retire at age 50 

Everybody hopes for a comfortable and healthy retirement. It is possible to retire at an early age by saving enough income for your retirement days. There are many retire options for you, finding the right one being your only task. 

It can be disastrous to be in your retirement days without sufficient income. How much do I need to retire? 

The right answer for this involves a plan that will cover all emergencies. Moreover, it should cater for your needs comfortably without you having to strain yourself. The plan has to be more than just basic requirements for you to enjoy your retire days. 

With your finances intact, you can now look forward to a much secure future. 

retire
retire

So how should you plan for your retirement? 

Retirement planning is all you need to sustain yourself. There are critical aspects to be considered when planning for retirement. These aspects are: 

  • Having sufficient funds. 
  •  Having paid off all your debts. 
  •  Whether you are incurring medical care expenses. 

 

It takes a few steps to make a retire plan. You should look into your financial situation to know where to begin. From there, you will be able to budget effectively for retire. Once you come up with a retirement plan, it goes without question that part of this exercise is keeping track of your savings. 

After you have taken up the task of saving, add more funds into your savings account.  Thereafter, build up on your savings which will consequently draw your goals closer. 

Misuses of income through ways such as gambling can cost you a fortune. More so, consider the emergencies and higher expense to income ratio. The more the expenses you have, the more income you’ll need. 

Once you clear off debt, it’s time to acquire and also safeguard all your assets. Anything you may own can be classified as an asset which can be used to earn you some genuine income. Your health is crucial when planning for your retire so start considering visiting your doctor for regular check-ups. 

You stand to benefit a lot when you seek help from an expert who has grasped the ins and outs of the various retire plans you wish to have. By doing so, you will be in a better position to know where you lay. 

How to earn extra income for retirement. 

It is evident that you will require enough money to help you sustain yourself in your retire days. For this reason, you will need to be creative enough and focused to succeed.  

For many of us, our salaries are our main sources of income but there are always other ways to garner more! Here are some ways to make more money in preparation for your retire days: 

  1. Get a new and better paying job. 
  1. Ask for a salary raise. 
  1. Become a tour guide. 
  1. Be a Virtual assistant. 
  1. Consider tutoring on your free time. 
  1. Start your own blog. 
  1. As a writer, you could earn through freelance writing. 
  1. Sell your stuff online on platforms like Amazon and eBay. 
  1. Sell stuff in yard sales. 
  1. Rent out your car or a spare room. 
  1. Consider housekeeping. 
  1. Pet and babysitting. 
  1. Take legit online surveys. 
  1. Be a consultant. 
  1. Try out mystery shopping. 
  1. Graphics designing. 
  1.  Sell your high quality photos.  
  1. Consider getting into the show business. 

Some of these jobs can be done at home after you have retire. When it comes to earning income, bury your head in your works and get things done. 

Which are the best Investments for you? 

Investments are made hoping for good returns in the long run and we here are finding ways to get you making more money to make it easy to retire at 50.  There are many investment types that you can consider, some which will make you very lucrative returns but always keep in mind that investments have risks. 

You can start investing as early as your 20s and you can invest in the following types of investments; 

  1. Bonds 
  1. Stocks 
  1. Retirement accounts 
  1. Annuities 
  1. Products offered in banks 
  1. Peer to peer lending 
  1. College savings 
  1. Commodity futures 
  1. Security futures 
  1. Real estate 

A better goodnight sleep, you get to pay less taxes and being ahead of inflation are some of the advantages of getting into the investment business. Investments are part of retirement planning and if done right you can look forward to better quality of life and also those many vacations you desire can become a reality. 

Personal finance management tips 

You need to get your finances in order for you to dwell in a financially friendly world. It has become much easier to manage one’s finances with the development of personal finance software. These finance software programs enable you to pool all your accounts and financial institutions in one platform. 

To improve your financial life, you have to: 

  1. Work on and stick to a budget. 
  1. Learn how to not only plan for your future just for retirement purposes but also for unexpected emergencies. 
  1.  Let your money work for you through investments by opening up businesses. 
  1. Work on your saving. 
  1. Avoid getting deep into debt. 
  1.  Seek help from financial advisers. 
  1. Use the finance applications. 
  1. Be aware of your net worth. 

How you manage your funds will have a great impact on your life today and days to come. Making budgets, saving and venturing into investments are the basics of personal finance management. With these, you are bound to succeed financially. 

It is always advisable to have more than you actually need in your savings accounts. With all in place, all you’ll be left with is making beautiful memories in life. 

 


Quick Credit Pte Ltd

Quick Credit Pte Ltd is the best money lender you will be able to find in Singapore. If you currently need help in anyway, do not be shy and let us know. Anything cash related, we will be able to help you. Our well train loan consultants will be able to come up with a good loan package to help you clear off all your outstanding bills or debts. In doing so, you will help you keep better track of all your expenses and money. We have been a licensed money lender since 2002.

We have the skills, knowledge and people to assist you through the entire loan process while providing you with excellent advice.

In addition, we have one of the highest positive moneylender reviews among money lenders in Singapore. Furthermore, Quick Credit is also one of the few moneylender open on Sunday!

Interested in knowing more about how you can get a loan from us? You can drop us an email at enquiry@quickcredit.com.sg. Our manager will get back to you as soon as possible. Or you can drop us a message here and our manager will get back to you soon.

Alternatively you can call us at +65 6899 6188. Or visit our office at 2 Jurong East Street 21 #04-01A IMM Building Singapore 609601. The nearest MRT station to us will be Jurong East Station.

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