8 Mistakes New Bitcoin Investors Make

Posted by admin
on May 5, 2020

So now that you are a new bitcoin investor, you must be having a lot of doubts as you are new to the cryptocurrency world. Many bitcoin investors and traders had made countless mistakes at the initial stage when cryptocurrency started a decade ago. Since you are a new investor, you surely do not want to make these costly slip-ups yourself. Therefore, we have listed down some of the slip-ups that you should avoid.

1.   Not Taking Your Privacy Seriously

When you create a cryptocurrency wallet, make a note of the public and private keys. Do not store your passwords or private keys in the computer as your electronic device can be hacked or breakdown. As there is no option for ‘Forgot Password’ in the cryptocurrency wallets, if you lose the private keys your entire investment and crypto portfolio will be lost as well.

2.   Investing More Than You Can

While investing in Bitcoins or even in share market, you need to remember that you gain huge profits if you invest wisely. A wrong investment, and you can lose it all in a blink of an eye. A responsible investor will analyze and plan their weekly, monthly or yearly budget. Being aware of your income and expenses, you can determine a solid budget to use the leftover money for other investment such as Bitcoin. Start with small investments with less risk and less loss. It’s better to lose a little than losing it all and having nothing to try again.

3.   Poor Research

No matter where you invest, you need to research before investing in any type of investment. As a beginner, you can just surf the internet and find a vast amount of information related to Bitcoins. First learn about the developers, their project goals, and the roadmap. You can find some details in white papers, projects, websites, and blogs related to Bitcoin investment. Research a bit about some famous personalities who have invested in Bitcoin and their articles for the same. Doing your own research can make you familiar with how it works and what you are about to invest in.

4.   Making Your Trades Based on Emotions

Many people are emotionally attached to their investments. Therefore, any certain changes in the crypto market can drive strong emotions. Fear-driven decisions can lead to making hasty decisions. Don’t be scared of the fluctuations and try to keep your feelings out of it. Many investors have made poor decisions due to the volatility in the cryptocurrency market and sold their Bitcoins when they notice a decrease in the value. A few weeks down the road, the prices rose again, leaving their investors devastated. If you see a dropping token, take some time to think calmly and track the market trends for a while and ask yourself if you are making a sound and reasonable decision. Successful traders remove emotions from their trading. They are very well aware of the consequences caused by fear and greed.

5.   Mining New Coins

As a new investor, you might have come across the word ‘Bitcoin mining.’ Mining every coin from your computer is time-consuming and costly process. Setting up mining for Bitcoin put a lot of load on your electronic devices. The more the device performs the process, the sooner it will develop faulty components and overheating issues. If you are serious about pursuing this option, conduct a further and intensive research on it to be prepared to shell out some serious cash for hardware and energy costs.

6.   Not Considering the Risk

The concept of risk management should be understood carefully when it comes to investing. If you don’t have any risk management strategy, you can face an extremely high risk and very low probability of success. You need to make sure when to get out with minimal damage and maximum profit. Start using a stop-loss rather than avoiding it. Stop-loss is a friendly tool to help you limit your losses according to your risk strategy.

7.   Avoiding the Taxes

You may have come across in many ways that the government of every country tried to exploit the cryptos. In which, even taxes (such as Goods and Services Tax in Singapore) are one of the strategies used to make profits out of this technology. Keep track of taxes that you are paying while earning profits through Bitcoins.

8.   Considering Others and Following Them

Listening to what others have to say or agreeing to what they order you to do can be risky. If they are knowledgeable and experienced in terms of Bitcoin trading, you can go ahead and take their advice. However, relying entirely on them is not a wise decision. Try to do your own research as your first mistake can cost you more than it will to them.

Avoid making the mistakes as mentioned earlier and be mindful of the in the future. There is no doubt that there are a lot of traps for you to fall and make a mistake, but even if you do be careful, calm, and take the wise decision.


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Intrigue to know more about our loan?  Send email to  enquiry@quickcredit.com.sg. Our officer will get back to you as soon as possible. Another way to contact us is just to drop us a message here our staff will get back to you asap.

Another hand you also can reach us at +65 6899 6188. Drop by our office to get free consultation 2 Jurong East Street 21 #04-01A IMM Building Singapore 609601

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How to market your newly established start-up

Posted by admin
on April 15, 2020

Firstly, congratulations on starting your new business. It’s now time to roll up your sleeves and fasten your seat belts to get started for the journey of marketing and letting the world know that you are here with your products or services. Listed below are a few hacks to market your business on a shoestring budget.

How to market your newly established start-up

Create a Start-up Plan

The first thing to start with, identify your target market. Decide who this product or service is meant for. Identify your target demographics before you move on to anything. You must have done this before starting your business. But it’s even more crucial to re-think about your potential customers to connect with them in the best way. Once you know who you want to target, start thinking of ways that they are most exposed to. For instance, if your target market is millennials, social media and the internet are two ideal places to market yourself and capture their attention.

Stay Updated and Be Ready

Once you start your new business, you need to be ready for the first customer. You also need to be ready to pitch to potential clients. For all this, you’ll require certain marketing materials at hand. Some of these things include your brand’s logo, business website, business cards, brochures, digital brochures, and Google listing. Once you have all these, you can easily approach your potential clients and other business connections to expand your business.

Start Locally

Well, this can be a little difficult financially. But it’s worth every dollar you spend. Think locally first, and find out what’s going on around you. Find the list of events that are going to take place in your neighborhood or area. Pick 1-2 events and sponsor them. You can either sponsor them monetarily or offer some kind products. In return, ask the organizers to promote your brand on their marketing material such as banners and social media announcements. Print bookmarks or brochures and leave them at the pre-event or event the event. For instance, if you are sponsoring a marathon, leave your brochures at the expo before the run. By doing all this, you will try your bit to be known by people living around you. This can be a great strategy for starters.

Consider Social Media

In today’s date, overlooking the power of social media can be a grave mistake. Millions of businesses make the most of social media platforms such as Facebook, LinkedIn, Twitter, Instagram, Snapchat, Pinterest, MySpace, etc. There are some businesses who don’t have a website and just a strong social media process, and this works great for them. Don’t miss out on social media platforms as a large chunk of your target market may be using various social platforms. Depending on your business and your target demographics, choose the right social media platform. For instance, you are a B2B business, start with LinkedIn to make business connections, share your business news and updates, and even sell yourself. Keep in mind to begin with only one platform. Managing too many social media accounts, pages, and handles can be consuming and overwhelming at the start. Once you are successful with one platform, move on to the second one, and eventually build a comprehensive social media strategy.

Write Blogs

When you have a business website, don’t let it stay on the internet only as a reference-tool. Make the most of your website by including a blog page on it. Start writing and sharing blogs regularly. Opt for topics that are relevant to your products, services, and business industry, and get started. Write blogs as if you are the source of extensive information and share as much knowledge as you can. Regular blog writing will help you showcase as an authority in your business sector. Not only this but well-written and search engine optimized blogs will also rank higher on search engines like Google and Bing. Once your blogs appear on the first, or second search engine result pages (SERPs), those blog posts and your website will have more traffic and exposure. This will eventually help you get more customers when they are in need of a similar product or service that you have to offer.

Join Communities

Want to make more business connections? Find out various local communities. For instance, if you are a real estate agent, look for various real estate-related groups and communities around you. Be a part of those communities. Most of these have various events that you may benefit from. Be a part of various educational and social events where you can gain information and even make connections with like-minded people. This way, you will be in direct contact with veterans of your business industry and gain insights of making your business successful in different ways. Moreover, you may even get a chance to get featured on their online channels where your logo and business name will be displayed. This way, you will be exposed to a new set of potential customers.

There are a plethora of things that you can do at this stage to market your business. From traditional methods of advertising on various platforms to simple word-of-mouth marketing, everything can work well for you. If you have friends who are business owners, talk to them and more of such insights. Or simply stay tuned for our next post of marketing your business.


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Any situation, you require quick cash for unforeseen spend just seek help from Quick Credit licensed lender. Our loan officer will comprehend your overall situation after that, create the premium personal loan to fits you. All of our staff is full of money lending knowledge ready to give you the best advice. Besides that, Quick Credit is a responsible money lender open on Sunday!  Grab your low-interest loan today!

Intrigue to know more about our loan?  Send email to  enquiry@quickcredit.com.sg. Our officer will get back to you as soon as possible. Another way to contact us is just to drop us a message here our staff will get back to you asap.

Another hand you also can reach us at +65 6899 6188. Drop by our office to get free consultation 2 Jurong East Street 21 #04-01A IMM Building Singapore 609601

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Everything you need to know about investing in unit trusts

Posted by admin
on March 16, 2020

What do you do when you just start earning for yourself? You may splurge all of it or treat your family to a nice dinner. Whatever may be the case, the feeling of receiving your first paycheck is unique and all of us get to experience it at some point. Once we start earning, our next concern is to manage expenses and find ways to save and invest. While most of us manage to save to some extent, we tend to be clueless about investing our funds.

For those of you who are new to the world of investing, putting your stakes in unit trusts could be the right thing to do. Why? Unit trusts are a combination of assets, which include a mix of shares among bonds, real estate, and other investments. These unit trusts are handled by fund managers. Unit trust investments are divided into units that are brought by various investors. So, for those of you who seem to lack a sense of direction in the field of investing, unit trusts could be a good investment option.

To help you make up your mind, here are a few things you should know about unit trust investments.

You get more investment opportunities

As discussed above, unit trusts involve a group of funds. And many investors pool in their money in these wide ranges of funds. Usually, when people start earning newly, they tend to have lesser funds available for investing. But in the case of unit trusts, you can invest along with others to enjoy the earnings from them collectively. So, you spend and earn together. You can also consider investing in the global market through unit trust investments.

You have less control over how your money is invested

Unit trusts are professionally managed by fund managers. In a way, you end up giving some of your autonomy over how your money is spent. You cannot ask your fund manager to invest in a particular fund. Your fund manager will invest in certain funds based on the firm’s expertise, market knowledge, and analysis. This can be a good thing, especially if you are new to the game. But if you are a control freak and believe in doing everything yourself, then maybe unit trusts aren’t your thing.

It’s not completely risk-free

No doubt you get to diversify your risk by investing in unit trusts, but that doesn’t completely eliminate all the risk from your investments. Market factors will impact the performance of the unit trust. There is a chance that you will get a negative return depending on the economy. This is something you will have to be prepared for and accept. With every investment, there is bound to be some degree of risk involved.

You will have to identify the best performing fund

Along with your fund manager, you can carefully determine the best performing fund for you based on the rate of returns, and awards and recognition. The return rate determines your gains and is calculated per annum as a percentage based on the fund’s performance in the market.

Most unit trust companies will post a fact sheet on their website, which details their fund performance to ensure transparency for the investors – with this, you can gauge your chances of a return.

Understand the different type of funds

There are also different types of unit trust funds you can invest in. Not all unit trusts are created equal, each fund is complemented with different assets. So, it’s best you understand the common types of unit trust funds available and how they complement your financial goals to know which to put your money in. Some common types of unit trusts involve equity funds, balanced funds, bond/fixed income, and money market funds.

With unit trust investments, you can be sure that your money is in safe hands. Your fund manager will always have the best interest of investors and will work to maximize your returns without you having to do it yourself.


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Looking for instant cash just keep in touch with Quick Credit licensed lender. Quick Credit is your best choice to get a personal loan. Our officer will comprehend your overall situation after that, create the premium personal loan to fits you. All of our staff are full of money lending knowledge ready to give you the best advice. In addition, Quick Credit is a responsible money lender open on Sunday! Apply for your low-interest loan now!

Still, have any questions, just send an email to  enquiry@quickcredit.com.sg. Our officer will contact you as soon as possible. An alternative way to contact us is just to drop us a message here our staff will get back to you asap.

Another hand you also can reach us at +65 6899 6188. Head down to our office to get free consultation 2 Jurong East Street 21 #04-01A IMM Building Singapore 609601.

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Common Fixed Deposit Mistakes to Avoid

Posted by admin
on March 5, 2020

When it comes to making investments in Singapore, you have countless options available. Depending on the amount you are willing to invest and your risk-taking capacity, you can choose between stocks, bonds, mutual funds, insurance policies, fixed deposits, etc. Talking about fixed deposits, it is a good option for those planning to invest a fixed amount for a considerable period without withdrawing money or expecting multiple returns. However, while investing in fixed deposits, people end up making a lot of mistakes that may cost them a lot. Listed below are some of the most common mistakes.

No Clear Goals

Having a goal gives us a clear idea about what we want to do. If you do not have a proper goal when it comes to investments, then you might end up disappointed. Your aim should be easy to achieve. Your objective matters a lot in forming a strong strategy for investments. You might want to save money in a fixed deposit for various reasons like for a wedding, higher education, vacation, retirement, etc. The strategy that you choose when you are investing your money depends on your aim and also on your goal.

Making Long-term Investments

Generally, the longer the fixed deposit term, the higher the interest rate. Before locking in that attractive rate with a five-year plan, you should do your homework first. The last thing you want to do is commit to a lengthy fixed deposit right before the federal reserve increases rates. It is a good idea for fixed deposit investors to keep an eye on fixed deposit news headlines to understand when rates might fluctuate. It is also important to note that significant increases in fixed deposit rates typically occur over several years.

Tying up your funds over a long period could prevent you from taking advantage of fixed deposits with higher yields if they become available further down the road. While it is possible to pull your funds out of a fixed deposit before it matures, doing so usually results in penalty fees – which can take a real bite out of your interest earnings, and in some cases even your principal.

Selecting a Bank Without Any Research

There are plenty of banks out there offering fixed deposits. Whether you are more comfortable putting your funds into a local, regional, or national bank, it pays to evaluate a few different financial institutions to see what fixed deposit rates they have to offer. Trying out the bank down the street instead of the bank you have your current account with might make sense if they are offering a more competitive rate. Be sure to ask your bank about any fixed deposit specials they might be offering too. Visit several banks personally or check the terms online of various banks before you compare them and select the best bank for your fixed deposit investments.

Missing Out on Diversification

Although “diversifying” in the investment world typically means having different types of investments such as stocks, bonds, and fixed deposits,. You can also diversify your fixed deposit investments specifically. This is where fixed deposit laddering comes in. Basically, fixed deposit laddering is when you set up multiple fixed deposits that will mature at staggered intervals, so you will have access to your fixed deposit funds on an ongoing basis. Fixed deposit laddering typically involves a mix of short and long-term fixed deposits, so you can reap the benefits of longer terms with higher rates, while still having other fixed deposits maturing regularly.

Keeping Aside Insurance

A fixed deposit scheme and an insurance policy are two very different investment options. The benefits of either of them can never overlap those of the other. Having insurance is necessary, even if you have invested in fixed deposits. The insurance covers all the uncertainties in life, and if anything bad happens, you will be prepared. Having a basic insurance coverage like health insurance and life insurance is very important. If anything happens, having insurance will not affect your future financial goals. These policies help secure your family and loved ones in unforeseen events. This way, in cases of emergency, you always have an insurance policy as a backup option. This will ensure that you do not have to break your deposits or other investments in case the urgent need for cash arises.

Not Following Up

You must keep a tab on all your investments periodically. At every stage of the investment, you need to have a clear record of the returns and the account details. Pay attention to your bank statements and passbook entries of the fixed deposit account. The benefits that you get from your investments are affected by a lot of factors, including the current market scenario. Once your fixed deposit matures, you have a chance to withdraw your funds or move them to another fixed deposit or investment. This is a great opportunity to see if there are higher rates available for your savings.

Now that you know the kind of mistakes people end up making, you can be careful in the process of fixed deposit investing. Right from the beginning, you can watch your actions and ensure that you don’t make any errors throughout.


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Looking for instant money just keep in touch with Quick Credit licensed lender. Quick Credit is your best choice to get a personal loan. Our officer will comprehend your overall situation after that, create the premium personal loan to fits you. All of our staff are full of money lending knowledge ready to give you the best advice. In addition, Quick Credit is a responsible money lender open on Sunday! Apply for your low-interest loan now!

Still, have any questions, just send an email to  enquiry@quickcredit.com.sg. Our officer will contact you as soon as possible. An alternative way to contact us is just to drop us a message here our staff will get back to you asap.

Another hand you also can reach us at +65 6899 6188. Head down to our office to get free consultation 2 Jurong East Street 21 #04-01A IMM Building Singapore 609601.

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6 Signs You are on the Wrong Track With Your Stocks

Posted by admin
on February 24, 2020

Are you someone who invests most of his/her time keeping an eye on the stock performances? Are you someone who wishes to earn some fast cash through stock investments? If yes, then this is for you.

As a regular stock investor, you may come across various situations where different stocks perform differently. And because of this, you may not know, but you may end up making mistakes or get on the wrong track. This can result in a loss worth a million dollar. To avoid any losses, make sure you know these mistakes well in advance.

1.   Investing Big on Short-term Stocks

Investing big money on the hot news that just read on the news website definitely doesn’t come in the category of investing. The future return from stocks is based on many factors which should be carefully studied rather than investing based on single news of a quarterly jump of EPS of a company by 40% or launch of a new hyped product. Serious investors should perform detailed qualitative and quantitative study rather than investing based on short-term market twitches. Market psychology is hard to predict in short-term as sentiments drive it (similar to voting machine). On the other hand, long-term results can be measured concretely, if the studies are done correctly (like weighing machine). Focus on the long-term performance of the stocks, rather than short-term turbulence.

2.   Following the Big Guys

There’s no harm in making someone your role model and taking inspiration from them for your stock market investments. But you need to be careful and make sure that this inspiration doesn’t become blind faith. It’s challenging to understand the exact strategy of the big players of the market, no matter how carefully you track their investments. Moreover, a regular investor cannot match the resources available to big investors. Investing blindly in what big guys are purchasing is undoubtedly a sign of gambling in stocks. Some stocks may work well for them, but that doesn’t mean they’ll be advantageous for you too. After all, they have a different strategy than yours. Plus, luck plays a vital role too.

3.   Following the Crowd

When you hear about a popular investment that’s shooting up in value, you may be tempted to hop on the bandwagon. But this isn’t a good way to pick where you put your money. “Hot” stocks may rise rapidly, but they can fall just as rapidly. And you might invest when the price is high, and it later falls. Everyone wishes they could get rich quick off a smart investment, but when you’re talking about your life savings, caution is paramount. It’s possible that the latest craze could be a smart move for you, but it’s equally possible that it’s a bad move. You won’t know until you investigate for yourself to decide if it’s a good long-term choice. Speak to a fee-only financial advisor if you’re unsure how to choose wisely on your own.

4.   Putting All in a Single Stock

Investing all your money in a single stock is the worst form of management in stocks. Maybe it seems a great opportunity now. However, there can be thousands of reasons which may prevent the stock from performing. And if that stock doesn’t perform as you wished, for whatever reason, all your hard-earned money will be gone. Putting all in a single stock magnifies the risk. The wise approach for intelligent investors is to diversify their portfolio. Make a note of all the well-performing stocks, shortlist a few, and invest in different stocks to keep the risk to a minimum. You should also invest your money in several different industries, so if one suffers a hit, it doesn’t devastate your entire investment portfolio. As the old ones used to say – “Do not put all your eggs in one basket.”

5.   Ignoring Your Risk Tolerance

An investment product can be a good fit for someone else and a bad choice for you. It all comes down to your risk tolerance. This generally declines as you get older, because if your investments drop in value, you may not be able to wait for them to recover before you need to begin drawing upon them. It doesn’t make sense to invest heavily in high-risk stocks when you plan to start spending your retirement savings in a few years. But if you’re young, you may be able to afford to take a few more risks. No matter what your risk tolerance, always remain well diversified. You may want a more stock-heavy portfolio when you’re younger, but as you age, you should transition more of your money to safer areas, like bonds.

6.   Trying to Time the Market

Some investors stay fully invested in stock funds while the stock market is rising, then jump quickly into the money market or cash equivalents just before stock values begin to fall. For this strategy to work, investors must know precisely when to get out of stocks. And precisely when to buy back into them. Always. If you build a portfolio that meets your long-term goals and considers your risk tolerance, you can stay invested. Even when the market is volatile.

Be aware of what can go wrong if you make these mistakes. You surely don’t want to end up losing all your investment or most of it. Hence, it is advised to work with a reputed financial advisor who will help you with every step. But don’t forget to go by your instincts too. Professional assistance and your instincts will help you become a successful stock market investor.


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Looking for instant cash just keep in touch with Quick Credit licensed lender. Quick Credit is your best choice to get a personal loan. Our officer will comprehend your overall situation after that, create the premium personal loan to fits you. All of our staff are full of money lending knowledge ready to give you the best advice. In addition, Quick Credit is a responsible money lender open on Sunday! Apply for your low-interest loan now!

Still, have any questions, just send an email to  enquiry@quickcredit.com.sg. Our officer will contact you as soon as possible. An alternative way to contact us is just to drop us a message here our staff will get back to you asap.

Another hand you also can reach us at +65 6899 6188. Head down to our office to get free consultation 2 Jurong East Street 21 #04-01A IMM Building Singapore 609601.

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How to Save and Invest with Fluctuating Salary?

Posted by admin
on February 18, 2020

Being self-employed has the challenge of dealing with fluctuating income. A fat check in some months, and a smaller amount for some months. Under these circumstances, how does one save and invest to achieve one’s long term financial goals?

We all know that the process of budgeting and investing is much simpler with a stable income. However, we live in a world of freelancing and commission-based jobs that makes investments and savings even more difficult. Here are some ways how to save and invest with a fluctuating salary.

Map Out the Income for Next Year

Try to map out your income patterns based on your past income data. It will help you estimate your income for next year. If you have received a check of SGD6000 a month, a check of SGD4000 for another month, and SGD5000 for all the other months- you could project a monthly income of SGD5250, based on your yearly average. A more conservative estimate will take the lowest income of SGD4000. It is with this income that you need to manage your expenses and savings.

Create a Basic Budget

The next step is to categorize your expenditure into two categories: needs (essentials) and wants (non-essentials). The essentials are your monthly expenditures on food, rent, groceries, and utilities. Under no circumstance, it could be done with. There is expenditure on non- essentials that includes discretionary expenses like shopping, exotic vacations, and entertainment like movies or dine outs. Keep in mind that your discretionary expenses are to ensure that you are not overspending as compared to your estimated income.

Use an Old School Spreadsheet to Budget

There are tons of budgeting apps that can automate your savings, budget, and even pay bills for you. But even with all this new technology coming in, a simple spreadsheet is a better option if you have a fluctuating income. With the help of the spreadsheet, you can keep track of all your income, and know exactly how much you can afford to save and invest. Also, these budgeting apps only catch what is in your bank. You might receive cash tips or may even prefer to cash a paycheck than deposit it in the bank. Get started with the budget template for Google Docs or Microsoft’s official budget template for Excel. Insert all the numbers what you calculated, including essentials and non- essentials. Once you have figured what budgeting templates to use, pick a budgeting method. You could use the 50/20/30 rule and zero-sum budgeting.

Saving Targets

Convert all your financial goals into your savings targets. For example, if you plan to build a retirement egg over the next 30 years, start working backward. Look at how much you need to save quarterly, half yearly or yearly by investing in equities and debt in proportion to your income. Aim to make investments early during the month before making any household expenditure, and use your account to do it. If you find monthly investment a stretch, consider investing on a quarterly or half- year basis. Any excess in the personal bank account could go towards making further expenses.

Give Yourself a Paycheck

Create two bank accounts-one is your account, and the other one is your business account. Give yourself a paycheck every month by transferring money from your business account to your account. The amount that is transferred would be equivalent to your budgeted household expenditure with your savings target. The excess amount, which is in your business account, after paying the salary and other business expenses, will remain untouched. The amount could be used to pay non -recurrent expenses like taxes, and the rest could be transferred to your account as a quarterly or annual bonus. Use it to invest in equity and debt funds. You can even revisit your monthly checks after a year based on your new earning patterns. Paying yourself is helpful because the separate holding account would grow, and you will always have the amount to pay for the bills and live a comfortable life. Whatever is left over in the holding account, can be used to pay extra toward debts, could go into an emergency fund or can also be used as a cushion for the slower income months.

Create a Cash Buffer

Does the question arise that how would you give yourself a monthly paycheck when your salary is irregular? The three-month cash buffer comes in handy here. It should be made over and above your emergency fund. The cash buffer would ensure that your savings and the budget plan are going well because of a few bad paying months. Some of these funds could even be saved in good performing liquid fluids.

As compared to your regular nine to five jobs, working and planning your future on a fluctuating income requires more discipline in financial matters. By exercising certain restrain in expenses when income levels hit a high, and by resisting the temptation to create a cash buffer when it hits a low, you can not only get full control over your finances but also move closer towards your financial goals.


Your Trusted Money Lender in Singapore– Quick Credit Pte Ltd

Looking for instant money just keep in touch with Quick Credit licensed lender. Quick Credit is your best choice to get a personal loan. Our officer will comprehend your overall situation after that, create the premium personal loan to fits you. All of our staff are full of money lending knowledge ready to give you the best advice. In addition, Quick Credit is a responsible money lender open on Sunday! Apply for your low-interest loan now!

Still, have any questions, just send an email to  enquiry@quickcredit.com.sg. Our officer will contact you as soon as possible. An alternative way to contact us is just to drop us a message here our staff will get back to you asap.

Another hand you also can reach us at +65 6899 6188. Head down to our office to get free consultation 2 Jurong East Street 21 #04-01A IMM Building Singapore 609601.

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How To Save Money On Moving Across Towns In Singapore

Posted by admin
on February 4, 2020

A business-friendly nation, Singapore, is a global hub for businesses with its reduction in corporate tax. Singaporeans move across towns the reason for which could be a new job, move to a new house, move to a new college or school. What are the things you need to consider before being in transit from a particular town to another? A well-informed decision always influences the destination and the departure from the starting point. A well-thought-of pathway and how to consider the inclusions to get beyond the journey and settle down at a specific spot is vital in every minute detail. Let’s expound around the whole scoop.

1.   In The Throes

The information that follows a home move decision can initiate a destination. This is a warm-up where the homeowners and their belongings need to be transposed to a different location altogether. Don’t carry items that are so bulky and heavy that you have to hire two vehicles under a brand of packers and movers. The pinch and the grind lie in the costing for the journey. Declutter spaces at home so that the move is all sorted out. The total expense must be measured up to transport belongings. Offload your belongings, for instance, demote your furniture stack to some necessary items only. Fetch for yourself from a Yard sale. A garage sale could be implemented for smaller items. Also, Craigslist, eBay, and Etsy are great avenues to explore and enlist your items. Get in touch with the right locomotors who have deals and discounts on their packages.

2.   Seasons

The peak season for the packers and movers are the summer and winter seasons. When they are in the Pinnacle hours of their business, they get competitive. Towards the rear of the month, the contracts or leases expire. During the middle of the month or at the beginning of the month, the tribe of packers and movers slacken in their ebb and flow. It is the academy or university that begins during the summers, so in contrast to other periods seasonally, the rates for doing business are comparatively low. It is during this time you need to strike up a deal. The applied knowledge of off-seasons and the on-seasons must be brazened within the functional talks between homeowners and the movers.

3.    Better Packers and Movers

The main crux here is that the very first packers and movers that you confront shouldn’t be your first choice. Check on stipulations and speculations to draw your estimates form the list of packers and movers that you put down to cross-check with from the many experienced people with insights on the same topic. The long-distance locomotors like American Van Lines and Long Distance Relocation Services specialize in cross-country dealings. They should be considered in talks about their functions and economy. Inferring a lower price, might separate extras that could cost you fringe benefits.

4.   Initiate The Move

Instead of hiring professionally pricey packers and movers, start with either a trailer to a van you own or hire a trailer to about a separate four-wheeler vehicle, or try U-Haul or Budget Truck Rental which could come cheaper rather than the bargains of the expensive locomotors. If the budget is sparse, the truck rentals could be cost-effective or even more economical, could be to hitch the move of items to your own four-wheeler either a van or a car. A one-way rental and only critical items in your own car is the best bet. You can also take recurrent trips in your own car to the destination where your move touches base or where your belongings land or have been moved to.

5.   Portable Containers

When you have to relocate, then move the parcelled items or goods to the mobile storage containers where all the goods are collected together and in one spot. The minute you make a move, cross-country or across towns, the storage units reach the desired destination, on axle and wheels. For example, there is a company called POD that has the necessary mobile vehicular infrastructure for exactly this kind of service. This eliminates all the fuss about the route and trip to and fro. This form of delivery is also pertinent to post the actual move. It would be approximately $1.5k for a cross-interstate trip.

6.   Shipment

If you don’t have furniture and other bulky items like cupboards, the freight or cargo can be shipped through FEDEX or United Postal Service for interstate movements for your belongings like accessories, artefacts, paintings, portable detachable chest drawers, and so on. Logistics is a system you are resorting to which can cost you far less than a reasonable mover and packer. This can be complemented with the other modes of delivery, as explained above.

7.   Frugality

Do not splurge inexplicably out of line. In cross-country journeys and interstate trips, you could save a lot of money of you accept help where fond family members or the members of your community can donate their vehicles for some temporary fixes till all your items are manageably transposed to the destinations in lieu of paying for costly packers and movers. For boxes and packaging tapes, search on Craigslist or Amazon for cheaper options rather than the findings at your local store or departmental store chains. The packaging tapes and boxes you find at discount shops are preferable as they are as good as the high-end retailer. Your friend could offer help like allowing you to redeem frequent flier miles. Such things in generosity could cut you some slack.

Now that you know of these pointers, you don’t have to literally rack your brains on how you can ply goods on a cost-effective basis. Do a thorough check with keeping a checklist for such transience that you can stroke off once the listing is over and done with.


Your Trusted Money Lender in Singapore– Quick Credit Pte Ltd

Looking for instant cash just keep in touch with Quick Credit licensed lender. We are your best choice to get a personal loan. Our officer will comprehend your overall situation after that, create the premium personal loan to fits you. All of our staff are full of money lending knowledge ready to give you the best advice. In addition, Quick Credit is a responsible money lender open on Sunday! Apply for your low-interest loan now!

Still, have any questions, just send an email to  enquiry@quickcredit.com.sg. Our officer will contact you as soon as possible. An alternative way to contact us is just to drop us a message here our staff will get back to you asap.

Another hand you also can reach us at +65 6899 6188. Head down to our office to get free consultation 2 Jurong East Street 21 #04-01A IMM Building Singapore 609601.

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How to Terminate a Credit Card in Singapore

Posted by admin
on November 6, 2019
How to Terminate a Credit Card in Singapore
How to Terminate a Credit Card in Singapore

If you have multiple credit cards under your name, you must have heard people saying that you should get rid of the excess. This makes sense. Too many credit cards mean too many financial obligations on your head. This will ultimately affect your credit score, even if you pay all the dues regularly. Not only credit cards, but you must also keep other obligations to the minimum.

If you are already planning to close a credit card, and looking for the right process to do so, this is for you. Here’s a 10-step process of closing your credit card in Singapore.

Step #1

Close simply one account at a time. If you need to shut one account or several, constantly cancel them one at a time, start with the cards that charge you fees. It is recommended to cancel the more recent cards first and then the older ones. You may additionally desire to think about keeping playing cards that offer precise rewards programs. Choose which credit cards you’d like to close and then move ahead with the next steps.

Step #2

Pay or switch the outstanding balance. Make sure that you pay off the existing balance and stop using the card. If you can’t afford to pay it off, you can transfer the balance to another card that you do not plan on cancelling. If you try to close your credit card with a large balance amount, the financial institution may extend the activity charge or demand full and immediate payment. Moreover, it doing so will also affect your credit score, something you seriously don’t wish for. So, when you call to cancel your card, confirm that there is no balance on it.

Step #3

Transfer any reward points on the credit card. If you have any present reward factors on the card, redeem them for rewards or transfer them to your conventional flyer account before inquiring for the cancellation of the card. All unclaimed points will be wasted once you close the card and don’t make the right use of the outstanding rewards

Step #4

Cancel direct savings transfers. Make sure that you cancel all current direct credit transfers linked to your credit card to minimize any price disruption.

Step #5

Call to cancel your card. Once you’ve paid your outstanding balance and claimed your reward points, name your card provider’s patron provider department to inform them of your selection to shut the account.

When you call to cancel your card, the issuer may offer you something, such as a lower interest rate or more rewards points, to keep you as a customer. It may or may not be worth it to consider these offers, depending on why you want to cancel the card in the first place.

Step #6

Cancel your card in writing. It’s always a good idea to send the company a letter as well. This will help ensure that the account is really canceled, even if the customer service agent you spoke to makes a mistake. The letter must include your name, address, and credit card account number. Include the date that you canceled the card and the name of the representative you spoke to in your letter, and request that the company send you a written confirmation letter indicating that the card has been canceled. You may want to include proof of your final payment, such as a copy of a check. Send the letter by certified mail with a return receipt.

Step #7

Check for future statements. Try to log into your account or go through your credit card statements following your request to make sure that the card is really cancelled. Watch your deposit report. It can also take a number of weeks for adjustments to be reflected on your credit score report, but take into account to hold tabs on it to see if the cancellation affected your credit score.

Step #8

After you cancel your credit card, it’s a good idea to request a copy of your credit report and look at it carefully to confirm that it reflects the fact that you have canceled the card. It should not say that the account was closed by the issuer, as this will look bad to other creditors. If your credit report is inaccurate, you will need to contact the credit card company’s customer service department again and ask them to correct the way in which they reported the closure of the account to the credit reporting agency.

Step #9

Destroy your credit card. Once you’re certain that your account is closed, it is recommended that you reduce the card into tiny pieces to make it not possible for anyone to piece it back together. If you’re feeling greater cautious, discard the pieces at specific times or places.

Step #10

Your credit card provider should provide confirmation that your credit card account has been closed. If you haven’t received any notice of the account closure within 1-2 weeks, follow up with your provider.

Since cancelling a credit card can influence your credit score, it’s important to be strategic about when you do it. Avoid closing any accounts if you are in the process of applying for new credit. If you are planning to buy a house or a new car, wait until after the loan is finalized to cancel your card.


Your Trusted Money Lender in Singapore– Quick Credit Pte Ltd

Shopping for instant money just keep in touch with Quick Credit licensed lender. Quick Credit is your best choice to get a personal loan. Our officer will comprehend your overall situation after that, create the premium personal loan to fits you. All of our staff are full of money lending knowledge ready to give you the best advice. In addition, Quick Credit is a responsible money lender open on Sunday! Apply for your low-interest loan now!

Still, have any questions, just send an email to  enquiry@quickcredit.com.sg. Our officer will contact you as soon as possible. An alternative way to contact us is just to drop us a message here our staff will get back to you asap.

Another hand you also can reach us at +65 6899 6188. Head down to our office to get free consultation 2 Jurong East Street 21 #04-01A IMM Building Singapore 609601.

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Top 9 Games and Apps that will Help Your Kids Learn About Saving Money

Posted by admin
on September 6, 2019

We all want our kids to be responsible and independent as soon as possible. We all want them to take their life decisions without going wrong. One of the major responsibilities is that we’d want our kids to be great at is managing their finances. Right from saving money to curbing unnecessary expenses, we all want our kids to be serious about financial matters. The learning can start early in life so that they understand the importance of finance management soon. The best way to inculcate maturity for money is by making your kids use games and apps that will help them to save money. Here are some of the games and apps to start with.

1.   P2K Money

P2K Money is all about teaching your child the value and responsibility of money, plain and simple. You can engage in the learning process together using tools for budgeting, spending, and savings of your kid’s earnings, like an allowance. They can even create wish lists to save for the items they want to buy. And what’s especially cool is that the app will save those wish lists so your little guy or gal can evaluate if those items were actually worth the expense.

2.   Savings Spree

Savings Spree doesn’t just teach your kid how to count nickels and dimes. Instead, it focuses on how different lifestyle choices every day can add up to either big savings or big expenses. Your child can earn, spend, donate, or invest “money” in a variety of scenarios, which are presented in a game show format for added interest. Along with teaching the basics, this app will even present your little one with the harsh reality of those unexpected expenses that necessitate an emergency fund. An important lesson, indeed!

3.   Renegade Buggies

Renegade Buggies designed by the National Center for Families Learning (NCFL) has earned a REVERE award, which honors “high quality resources that educate learners of all ages, in all media, and in all educational environments.” The dynamic, fast-paced game teaches financial literacy with a focus on saving as much money as possible while grocery shopping. Smart consumer strategies, such as comparing unit sizes and buying in bulk, are implemented into the game.

4.   Bankaroo

The inspiration behind Bankaroo is 11-year-old Danielle Gafni, an honor student who was looking for an easy way to track her pocket money. The app serves as a virtual bank for kids without being tied to an actual bank account. It teaches about money and its value subtly. Bankaroo features multiple currencies, such as the US dollar, euro and British pound, and you can even set goals, such as saving for a new bike, drum set or special trip with your family.

5.   Bee Farming

Bee Farming allows your child to start his or her own virtual business with a swarm of bees and just $100. Each week, the bees can go to work in the forest, collecting honey that your child will “sell” in a market to earn more bees or other supplies. This is such a fun game, even adults play it and compete to earn a spot on the Top Farmers Board. What a great way to give your kid the basics of business, hard work, and managing expenses.

6.   Save! The Game

Mass Mutual developed Save! The Game to teach kids the difference between needs and wants. In this 3D virtual fantasy game, kids collect money and have to avoid losing it all to the “I wannas.” Conveniently, the game fits in well with Mass Mutual’s Time for Kids website, which has plenty of valuable money lessons for kids.

7.   Star Banks Adventure

Star Banks Adventure is an app that combines puzzle solving with tricky quiz questions to teach kids about fundamental financial concepts, so they can save the planet of Polaria from drowning in financial chaos. With the coins they save, they can purchase in-game upgrades, which will help reach different financial goals all while having fun and learning important lessons about financial planning, saving, investing, asset allocation, inflation, etc. According to the developers, all educational content was created by financial professionals. After all, you don’t want your kids to adopt the wrong behavior.

8.   Bank of Mom

Designed by Gomu Gomu, the Bank of Mom app will teach your kids about lines of credit. You can give your kids cash credit for their allowance or pay them for chores. When they want to make a “withdrawal,” they request one from their “bank,” which you control. In addition, kids can bank time for leisure activities like watching TV, playing video games, or going to the mall with friends. For instance, if your child raked the leaves, he or she can bank that time and then withdraw “credits” to use for time at the movies with friends. You can manage multiple accounts with the app, and even email transaction details to your kids.

9.   PiggyBot

Even young kids with an allowance can jump in on PiggyBot to collect a virtual allowance. This tool will help your child visualize his or her allowance and categorize it into what areas they’ll spend, share, and save. This app also motivates kids to pick savings goals and gives them useful information for how much money they need to save and how long it will take them to save it.

Teaching kids about money doesn’t have to be boring. In fact, with the right apps and games, money management can become your kid’s favorite subject. So make sure you load your kid’s phone or iPad with these and several other money-saving apps and games so that learning becomes even more fun.


Your Trusted Money Lender in Singapore– Quick Credit Pte Ltd

Looking for instant money just keep in touch with Quick Credit licensed lender. We are your best choice to get a personal loan. Our officer will comprehend your overall situation after that, create the premium personal loan to fits you. All of our staff is full of money lending knowledge ready to give you the best advice. In addition, Quick Credit is a responsible money lender open on Sunday! Apply for your low-interest loan now!

Still, have any question, just send email to  enquiry@quickcredit.com.sg. Our officer will contact you as soon as possible. An alternative way to contact us is just to drop us a message here our staff will get back to you asap.

Another hand you also can reach us at +65 6899 6188. Head down to our office to get free consultation 2 Jurong East Street 21 #04-01A IMM Building Singapore 609601.

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Financial Literacy

Posted by admin
on July 26, 2019

Sometime in the distant past, you’d be considered monetarily astute if you could make a change and read the numbers on your bank. Today, financial education is undeniably more than taking care of financial and monitoring the cash. With the ongoing expansion of credit items, speculation vehicles, economic foundations and progressively complex methods for ascertaining premium, you’d be pardoned if you need an advanced education to deal with your cash.

Like reading perception, financial education is an inclination: Some people are scarcely proficient while others could reveal to you the contrast between knock up and facilitated CDs in a moment. The best way to have your grip of economic ideas is through research and practice.

While financial is an exceedingly specific field and a significant number of its experts spend considerable time in only a couple of regions inside it, laypeople can and ought to wind up all around educated financial generalists. In case you’re not kidding about improving your financial information, there are a couple of simple advances that you can take to make some snappy advances.

The concern of own funds

While it’s decent to have working information of a corporate account and expert venture ideas, your quick concern ought to dependably be your very own funds. With that in mind, begin by hardening your comprehension of vital financial concepts, similar to the distinction among checking and investment accounts and the essential systems of charge cards. You’ll additionally need to comprehend concepts like premium, protection and funds and venture vehicles: You may not consider these things once a day, yet the choices you make about them can influence your financial future regardless.

You don’t need to corner your financial organizer uncle at your next family meeting to pick up a working comprehension of fundamental cash matters. A lot of free online assets, as Investopedia.com and Mint.com, exist to present such learning.

Later financial related enactment has taken care of revelation prerequisites for most financial foundations, exposing an abundance of data and counsel that recently had been hush-hush. Even though it might be difficult to comprehend, and the source positively isn’t fair, the “fine print” that you find for you articulations and in the entrails of your bank’s site can indeed contain enlightening clarifications of things like accruing funds, punishments and expenses, and your lawful alternatives in case of a mistake or debate. If you run over a new term or idea, essentially allude back to one of the previously mentioned online financial proficiency assets, which ought to be bookmarked in your program in any case.

Cautious fine print

Before you open an account with another bank or do any further business with your present establishment, cautiously perused this “fine print” data and set aside the effort to contrast it with similar disclaimers from different organizations. After some time, you’ll show signs of improvement feeling of which lenders offer the best terms on their credit as well as accounts. It is particularly vital before you take on a noteworthy long haul credit trouble, similar to another home loan or business advance, where even a little financing cost contrast can indicate thousands or even a vast number of dollars in debt throughout the years.

The non-benefit division has a vast number of assets intended to improve comprehension of cash issues, the most noticeable of these being an open private organization known as the Financial Literacy as well as Education Commission.

In case you’re searching for a considerably more top to the bottom outline of individual cash matters, the self-improvement area at your nearby library emphatically overflows with books on financial education. When you’ve aced the nuts and bolts of the personal fund, you might need to graduate here to become familiar with specific sub-fields or find procedural messages on retirement arranging, speculation related expense issues, and acquiring and overseeing credit offices like advances and business credit extensions.

financial related library

On the other hand, it might be justified, despite all the trouble to put resources into a little financial related library of your own. Cash, the board, is the bread and butter of the prominent “For Dummies” arrangement of self-improvement guides, and the brand offers all way of financially related writings available to be purchased at Dummies.com. With shockingly clear titles like Personal Finance in Your 20s for Dummies and Asset Allocation For Dummies, the odds are high that you’ll discover a book on your particular inquiry there.

There are a lot of explanations behind you to endeavor to be your very own capable supervisor cash, and a large number of them will undoubtedly be close to home.

Above all else, financial education involves security. As the world itself has developed progressively intricate and interconnected, the experts of financial have concocted better approaches to remain on the ball, regularly with shocking results. Late history offers a reasonable precedent: The utilization of not recommended home loan advances to back elusive inadequately comprehended financial related items known as credit-default swaps accelerated the overwhelming financial emergency of 2008, the stun waves from which keep on reverberating today.

Some are weak on the handle of cash experience

Sadly, a large number of people with a weak or nonexistent handle of cash matters experience their very own financial emergencies consistently. In a loaning scene that looks like a functioning minefield, financial information is your likeness a bomb suit.

Nowadays, the line between real credit items and inside and out tricks can be wrongly characterized or missing. Indeed, even with financing costs at notable lows, many home loans use skillful deception to build their expense in the out years drastically. For example, swell home loans request a huge single amount installment upon development notwithstanding the intrigue they’ve gathered over their term and regularly can’t be renegotiated, while adjustable-rate home loans’ at first low intrigue charges continually increment over the long haul.

Regardless of whether these confounding home advances can be viewed as misleading involves understanding, yet they’re unquestionably subtle. Payday advances, then again, can be absolute damaging, with annualized loan costs of 300 percent or more. Equipped with your recently discovered financial related information, you’ll see directly through these tricks and stay away from the oversights of the individuals who preceded you.

The ideal path both to maintain a strategic distance from the enticement and need to take out dangerous advances is to put the store of financial information that you’ve aggregated to utilize and improve your FICO rating. Bringing your credit resurrected requires significant investment. However, the result can be tremendous as you’ll get a good deal on everything from vehicle protection to Visas. Begin improving your financial education today and anticipate a future full of choices and less demanding cash.


Your Trusted Money Lender in Jurong– Quick Credit Pte Ltd

For those who need instant cash just approach Quick Credit licensed lender. We are your best choice to get the loan. Our loan officer will comprehend your overall situation after that, create the premium personal loan to fits you. All of our staff is full of money lending knowledge ready to give you the best advice. Moreover, Quick Credit is a responsible money lender open on Sunday! Apply for your low-interest loan now!

To get more information about our loan, just send email to  enquiry@quickcredit.com.sg. Our officer will get back to you as soon as possible. An alternative way to contact us is just to drop us a message here our staff will get back to you asap.

Another hand you also can reach us at +65 6899 6188. Head down to our office to get free consultation 2 Jurong East Street 21 #04-01A IMM Building Singapore 609601.

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