The Money Management Blog

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   Apr 20

How to Save Up On Electricity

You have to realize that the prices of electricity seem to be rising again and if you only have a specific amount allotted for your bills, you may want to decrease your use of electricity. The first thing that you have to do is to make sure that you will choose the right type of environment friendly lights from Focus De Lightings.

The first step that you have to do is to know how much electricity you are currently using. Are you using beyond your means? If you want, you can calculate how have used up through the year. Check what are the items that are causing you to have an increased amount in your electric bill and you may consider other items instead.

Here are some of the ways on how you can save up on electricity:

  • Choose the Right Lights

Are you still using incandescent light bulbs? Perhaps you would like to make sure that you will choose LED lights instead. Remember that there are energy efficient devices that are available. Choose indoor pendant light Singapore that will be great for all of your needs and will also add to the overall design of your home and you will not have any regrets.

  • Switch Off Items When Not in Use

If there are some things that you are not using at present time, you need to shut those things off first. Do not forget to remove the chargers from the plug as well as your television sets and your other systems that you have inside the house. Remember to remove all the appliances that you are not using because electricity will still move even if the items are not in use.

  • Remember to Place Items That Need to Cool Down in Cold Spots

There will be some spots around your home that would be colder than the rest of the house. If you need to place your refrigerator or your freezer, you need to make sure that you will place these items there so that it will not be too hard for the items to become colder.

This is also the same when you are using your stoves. You have to remember that there are some pots and pans that can utilize heat better and will therefore cook your food faster. As long as you would get to choose the right items, you know that saving up on electricity will be possible.

   Apr 03

Tips on Investing Your Money in the Right Property

You do know that when you purchase properties, you will either live in them or you would consider the properties as your main investment. Remember that with an investment, you need to make sure that you will be able to maximize the situation in your favor. The perfect way to do this is to choose the right property.

One of the things that people assume is that they will always have a great investment return no matter what they have purchased. Buying a property does not always give positive returns. There is always a big chance that the investments will be low in the long run and this is something that you would have to avoid.

Details on how you can invest in properties can also be found here:

You know that the Visionaire Executive Condo is very nice to look at and perhaps this can also be a great investment whether you plan to live in it or not. Here are just some of the things that you have to look for when you are looking for the right property investment:


  • Purchase the property in the right price.


There are a lot of properties that are nice to look at but there are different factors that will affect how the place will be priced. For instance, there are some properties that cost more even if they are smaller simply because of their location alone. Consider these things because there are some properties that will be priced higher than usual after the area around it has become more modernized.


  • Search for the right property manager.


If you do not know a lot of details about investing in properties, you have two options. The first option is that you are going to study proper details on how you can invest and the second option is to hire the right property manager. If you have a bit more budget, hiring the property manager may be the better option because you know that the person is an expert at this field.


  • Have enough knowledge about property investments.


It does not mean that just because you have decided to hire a property manager, you will not be exerting effort anymore to gain information about property investments in general. Make sure that you will still get to know The Visionaire project details so you will understand things when they are being explained to you.


Hopefully the details that are mentioned above will be enough for you to know all the proper information that you need to make the proper investments.

   Feb 15

How Artists Can Make Money

Have you always wondered how artists can make money? There are a lot of struggling artists all over the world but there are also some who are able to become successful at what they do. There are different things that you can do to make money. First and foremost, there are some artists who also teach other artists in order to make more money. At the same time, there are also some artists who are able to make money simply because they can sell their artwork.

Would you like to know the other ways on how you can possibly create money if you are an artist? Here are other things that you can consider:

  • Make sure that you will have a budget.

You have to know that to become an artist, you would need to make it similar to opening a business. You would need different materials in order to open your business as well. Before you can sell paintings, you need to make paintings and how can you do that if you do not have money? Once you have set your own budget, you can already formulate how much you are going to spend for everything else that you will do.

  • Have a plan.

You need to have a schedule when you will be presenting your collection. It will be helpful if you get into the network of art better so that you can get to know more people that can possibly help you when you start. If you do not have a plan, there is a bigger chance that you will become successful with what you are going to do. You may want to check out Creative Strokes online for more details. Get to know more details about this here:

  • Be committed to becoming an artist.

You have to remember that if you lack commitment to doing your job well, it will be harder for you to become an actual artist. You may have to let go of other things that may distract you from doing art. When you commit yourself to the world of art, you know that you have to do everything related to it even for a certain period of time until such time when your collection is ready.

Now that you already know the process that you can follow so that you can become a good artist that can paint and deliver Sydney landscape art, you can be sure that this can be a good start for you. You can become the artist that you have always wanted to be and make money at the same time.

   Jan 07

How much is productivity worth?

Whenever we talk about revenue and profits of a company, we always focus a lot on the sales calls, the amount of marketing, the closing ratio of the sales people. However, one thing many companies neglect, is the well being of the sales people.

Truth is, there are many aspects to measure growth and revenue of the company. However, many companies miss out the well being of their own people. If the people work happily at their workplace, they will be more productive, lower attrition rates, lower absenteeism rates, and in turn, more results for the whole company.

Now the question, how can you improve the productivity in your team?

One method is to build strong relationships with your team members. As a local company, you can organise team building in Singapore to get all your people together to have fun and learn about one another. This may not be just a whole day full of crazy games. It may be a day where your people learn the core values of the company as well. By taking time off work, your people will be full focused on learning and interacting with one another.

With stronger relationships in an off-site event, be it in luxurious hotels in central of Singapore, or even far away places like a country club in Punggol, it doesn’t matter. What most important is, to get your people off work, and get them together to build strong bonds. With better relationships, there will be better communication. Processes will be faster, and trust will be built. Less conflict in the workplace, and higher productivity overall.

As you can see, if you can increase the productivity of your company, how much do you think it is worth? Is it worth spending a few thousands to build a stronger team and achieve tremendous sales results in the end of the year? Definitely yes!

Hence, I would urge you to focus on building a strong team that your people love to work in, as compared to constantly pushing your people to drive sales for the company.

Keen to learn more about productivity?

Here’s a video that talks about the secret to be happy at work. A short video from Ted explains it all. We hope you learn something from here and use it to create a happy workplace!

   Jan 01

Setting Up New Website in 2016?

2016 is here. What a brand new year to kick start our blog again! I guess you would have read a lot of our posts in 2015 that shares with you money and investment tips. We hope you like them!

A brand new year, a brand new website?

If you are running a business in 2016, then you definitely need a website. More and more people are going online, and if your business is not online, then you will be out of business soon. Getting a web presence for 2016 should be a priority for you, if you have not done so.

However, to build a website, there are many ways as well. Just like the property investment launches we share with you last year, there are good deals, and bad deals as well. However, we will only share with you good deals here!

To build a website, you will need a domain name and a hosting plan. A domain name is what your website will be called. You want a domain name that matches your company name. This is for branding purposes and to make it easy for your customers as well. You can get a domain name cheaply for less than US10 in the market.

However, domain is not the expensive part. The hosting is. 

You want to get a good hosting plan to host your website, and you want a hosting that will help you save money as well. In the market, there are lots of hosting plans available, but if you are a small business, we recommend shared hosting plans.

As it is your first time getting the website up, we recommend you to start simple. If you want to expand your business, or get more websites done for more of your other businesses, you can consider other plans as well.

For a start, we recommend hostgator web hosting. It is a popular web hosting company and has been around for years. They have good deals in providing affordable web hosting packages. But if you are thinking of getting hosting from them, hold on. Use hostgator coupon codes 2016 first! These 2016 codes are updated and will give you more than 50% discounts on the hosting packages.

With more savings you can be assured that you are use more other money for your website building work, such as logo design or web design.

Yeap, that’s the reason why you need to get your coupon code! Use as many coupon codes as you can before you make your purchase. Have a fabulous website for your business in 2016!

   Dec 25

You Can Make Money from Your Art

Have you ever wondered why a lot of artistic people are called “starving artists?” It is because most artists are not given the break that they deserve and they end up having nothing but their creativity, skills and talent that people are unable to see.

If you are also a struggling artist but you are fairly new to this, you have to remember that you can also create money if you would know the proper ways on how to get people to notice you and appreciate the things that you can do.

If you would like to improve your current way of living and actually begin to make a name for yourself, there are some tips that you ought to remember so that you can start creating money from your artworks.

  1. Connect with other artists, business owners and even buyers.

If you would like to survive the world of art, you have to make sure that you will know a lot of other artists who may also want to sell their own paintings and drawings. Business owners can help you become better known if they would promote you and your art to their loyal customers. The people who have purchased art works from you should not be forgotten as they can help spread the word about your art work in Melbourne.

  1. Budget your finances appropriately.

You have to remember that your money will not always be constant. You have to have the allotted money in order to create your art and at the same time, have enough money to enable you to keep on living comfortably. Some artists spend too much on their art that they end up not having enough money to eat anymore. This can be avoided by proper budgeting.

  1. Sell Online.

It seems that some artists do not see the point of creating their very own websites and selling paintings and their other artworks online. If you are also a bit skeptical, think about it – there are millions of people who use the Internet every day. There is a big chance that people will see what you can offer and this way, you will be able to sell your art better. Just get to know details about having a business site to help you understand it better. You may even get to know more from here:

With these simple tips, you can reduce your chances of becoming a struggling artist. You may never know, it might help you become more famous in the future.


   Oct 23

Choosing the Right Home Loan

There is a possibility that you are searching for the right home loan to use. You have checked out a lot of home loans and you are feeling a bit confused with all the details that you have learned. As a consumer, what you have to do is educate yourself with the various home loans. It is only when you get what you should do will you be able to understand the home loans that you would like to consider.

Admittedly, knowing all the right details can be complicated because it is very likely that you do not know where to start. In order to help you not become too confused with all the details, here are some of the things to consider enabling you in choosing the right home loan:

  1. Consider the Loan Terms

The terms of the home loan are all different. There are times when people take out 30 year mortgages so they can be sure that paying for the loans will not be too hard on their pocket but you are recommended that if the loan price is low, you can only take out a 15 year mortgage. This will allow you not to pay off the loan without much effort.

  1. Consider Mortgage Options

Do you know that the different types of mortgages that are available also come with various mortgage options? You may be surprised with what you will find. There are some mortgages that will benefit you more than the others. For instance, if you would like a fixed rate mortgage then this is possible. You can choose this and you know you will not have many issues with it. There are also some mortgages with prices that will depend on the current market.

  1. Consider Amount to Pay

The amounts that you have to pay for the loan will always matter because just imagine having to pay off an amount that you can barely pay. This means that you will not have the extra money to pay off your bills. You will not have enough money to buy your basic necessities. In order to help you out, you may want to consider getting refinance home loan. This will allow you to have enough money to pay off the other home loans when you need to.

Get to learn more on how you can choose the right home loan when you check this out:

With all of these details that are available, do you think that you will find it easy to choose the loan you ought to purchase? The decision will be up to you.

   Oct 15

How to Invest in a Property Well

There is a possibility that you would like to purchase a property like The Wisteria but you are not quite sure if it is a good investment or not. You have to remember that there are always different things that you have to consider.

These are just some of the things that you have to consider when you are choosing the right property that you can invest on:

  • Location – The place where the property is located will matter a lot. Just imagine if you would choose a property that looks great but the location will find it hard for you to use that property, let alone consider it as some sort of investment.
  • Size – The size of the property that you are going to invest on will also matter a lot because of course, the bigger the size of the property, the more expensive it is going to be. There is also a big chance that big sized properties are harder to maintain though so this should be given proper attention.
  • Maintenance – It does not mean that just because you already know the Wisteria Project details you will just let it stay that way. You still have to make sure that you will maintain it properly. You may have to make sure that you will keep the plumbing well. Purchasing something does not mean that you will already let it become wasted.
  • Other Locations – You have to remember that the places where your location is close to can increase the amount of your property. For instance, if your property is close to a mall or even a coffee shop, you can already expect that the value of your property will already increase. Consider this well.
  • Decorations – The things that you will place inside your property will also matter a lot. The furniture that you are going to place, the decorations that you would place on your walls and even the appliances that will make your property livable, all of these things will make a lot of difference. It is important to take note of these things.


You can know more about properties when you check this out now:

Based on the things that are mentioned above, do you think that you will be able to find the right property that you can truly invest on? Do remember that aside from properties, your money can still be put to good use as long as you know the proper investments you can do.

   Sep 12

How You Can Invest in Properties

Using your money wisely may be one of the things that you know that you should be able to do. If you would invest correctly, you can be sure that you will get high returns but if you invest in the wrong property, there is a possibility that you will have a lot of losses. You can improve your decisions by making sure that you know all the proper tips to help you out.

You can invest on new Marina One Residences and you have nothing to worry about.

Get to learn on how to do property investment from here:

Here are some of the tips that you have to remember so that you can invest properly in the right properties:

  • Research about Real Investment Groups – If you become a part of a real investment group, there is a chance that you will learn more about the different properties that you are considering as well. Make sure that you will choose the right group for you. Through the group that you will choose, you will learn more tips on how you can choose the right property for you.
  • Consider Short Term Ownership – If you feel that you are ready, you can purchase a home that you would like to improve on and eventually sell. You have to remember that in order to make a profit, you have to raise the value of the house. More about that will be discussed later.
  • Consider Owning Apartments or anything that You Can Rent Out to Others – When you become a landlord, there is a chance that you will earn more money as people rent your property so that they have a right place to live. Payments are usually made monthly but this can change from one person to another.

How to Improve Properties

You have to keep in mind that it will be fruitless to invest on a property that would need a lot of repairs. Take into consideration the current state of the house to be sure. You can get to know Marina One project details to be sure. These are some of the things that can be done so that properties can be improved tremendously:

  • Make bathrooms bigger – A lot of people would like to have big bathrooms at home because they feel more comfortable with having big bathrooms. Improve the conditions of the bathrooms by upgrading the toilet and bath of the bathroom. The value of the home will increase after that.
  • Add Extra Rooms – Whether the extra room is a small office at home or a patio or deck, this extra room can add a lot of difference to the overall value of the home.
  • Consider the Flooring and the Walls of the Home – In order to improve the appearance of the house, it is highly important that the walls and the floors of the home are new and will look more modern and classy.

With all of these things in mind, there is a bigger chance that you will choose the right properties to invest on.

Previously, we also tried to evaluate certain new properties projects to help consumers make informed choices. If you are keen, you can look at the analysis here.

   Aug 10

Should you buy the latest launch The Wisteria in Yishun?

Should you buy the latest launch The Wisteria in Yishun?

Yishun is primed for the its upcoming condo launch in 2015-16, with the The Wisteria, a condo of over 900 units to be launched. It houses a range of units from studio apartments to 5 bedrooms and cater for all groups of people alike.

However, just like any property you buy, it is important to know more about the project. It can be your new home, or your new investment home.

If you are looking to buy a unit at The Wisteria, you have to first know the purpose of buying it. If you are buying it for an upgrade of your lifestyle from a HDB to a condo, then you have to see how big a unit you are getting for yourself and your family. Not only that, you also need to see how much additional money you have to fork out to purchase the new unit at Wisteria Condo.

If you are looking to purchase it as an investment, then you have to look at the investment side of things. You have to see how much money you are willing to invest in properties. You have to see if you have the capital power to hold on to the unit, in case of a low rental yield. This is important because many people thinks that Singapore is always in high demand, and there will not be a lack of apartment rentals. They are really wrong!

Demand may not drop, but rental income will drop. You don’t want your rental income to be lower than your monthly mortgage. If not, you are losing money on your investments!

On a side note, you can also look at how Wisteria can be a convenient place, even if you are staying there, or renting it out. It is convenient with many amenities around it, especially in a matured area like Yishun. Located along the north-south MRT line, you can reach Orchard or Somerset area within 20 minutes of MRT ride.

Singapore’s property market may be hit with many government cooling measures, but one thing we must note is that people are still on the lookout for opportunities, even with these cooling measures around. While some may see this measures as a hinderance to good investment profits, some may see it as a way for property prices to fall before they enter.

If you are considering The Wisteria development as your new home or investment, you can request for more information the the website. The assigned team will get in touch with you to arrange for a VIP preview of Wisteria units to give you a better idea on how you can fulfill your goals with the residence project.

Not keen on this project? You can also consider the latest launch of the Marina one Residences at Marina bay!