Auctioning for Property

main auction houses in Singapore - Colliers International, DTZ, Jones Lang LaSalle and Knight Frank - post their auction dates, venues and available properties online. They usually hold their auctions at Amara Hotel.

do not forget to take your cheque book. Should you succeed in bidding for a property, you will have to pay a 10 per cent deposit. Those buying commercial properties also have to pay the Goods and Services Tax on the spot.

http://www.asiaone.com/Business/My%2BMoney/Property/Story/A1Story20091019-174518.html

How much is your Girlfriend Costing You ?

Being in a relationship may enrich your life, but it’s definitely doing no favors for your wallet. Find out where you’re spending the most money on your girl and plug those holes ASAP.




http://www.primermagazine.com/2009/spend/why-your-girlfriend-is-making-you-broke

Strategies for Apartment Hunting

1. Inform everyone that you are looking for a place. That great deal may come from a friend's pet-sitter's therapist.
2. Look a few months in advance. if you are looking for a great deal in a week, its not going to happen. Its even less likely to happen if you are looking for a place in 24 hrs.
3. Be willing to make sacrifices. the more unsavory the neighbourhood, the longer the commute ( the more ulu it is ), the lack of restaurants usually means it will have a much cheaper rent. You don't need the coolest place in the world right out of college. postpone it until u have a million dollars.
4. Bargain with the landlord. it doesn't hurt to request for a 2 year lease in exchange for lower rent. the allure of long term and reliable tenant is worth it to most landlords. Generally any non-shithead vibe you give to your landlord is for the best. So try to be nice !
5. Be willing to have roommates. It could improve your people skills and save you a bundle of cash.
6. Rent a furnished apartment. stick around with used to discarded furnishings until you buy a place of your own.
7. Don't hire a broker. Good deals can be found if you do the legwork yourself.

- From Alan Corey's A Million Bucks By 30

How to Become a Millionaire

How to Be a Millionaire

from wikiHow - The How to Manual That You Can Edit

Regardless of where you go in the world, money is the basic universal measurement for being "rich", or becoming a millionaire. And it seems like everyone wants to be a millionaire these days.

Steps

1. Open a savings account. Having a savings account is one of the many ways where you can set your money up to work for you. Your initial deposit of money grows whether or not you make additional deposits by interest. Learn the different types of accounts, including accounts like IRAs.
   
2. Buy stocks. If you are gung-ho for individual stocks, you should buy stocks of the companies whose products and services you use or purchase. One of the best ways to invest in individual stocks is through an investment club; you may want to consider forming one with your friends.
   
3. Buy mutual funds. Mutual funds are really an investment of other investments. When you own a mutual fund, you actually own the securities (stocks, bonds, cash) within the mutual. With mutual funds, you are pooling your money with other investors and diversifying your investment.
   
4. Audition for game shows. Game shows earn their money by the audience, not the contestants.
   
5. Find a "system" that has been proven to make people become millionaires. The top five producers of millionaires today are: technology - internet marketing, direct marketing, home-based business, product distribution, and investments (stocks, bonds, real estate investment / development). Usually, the most stable and reliable forms of income would be from internet marketing, technology, and real estate, with internet marketing, and home based businesses requiring the least money to set up. Investments like real estate and stocks are usually quite risky and time consuming.
   
6. Find a mentor who has walked the walk and seek advice. Surround yourself with already-made millionaires. They can be found in several places, there's even a private online club where you can have a millionaire mentor personally show you how to make money in many areas online.
   
7. You can also visit this great website for top opportunities online today. http://www.ourgoldrush.com
   
8. Win who wants to be a Millionare. If you don't know the answer to the question, just guess you have a 25% chance of getting it right, if you do know the answer, then say it.
   

Tips

• Don't use a credit card much, all of the excessive spending will come back to haunt you, and you may end up in debt. Try getting a debit card for daily purchases, they're a lot easier to deal with. Use your credit card only for emergencies, and to establish your good credit.
  
• Try not to take any big loans, because that's "big" money that you'll just have to pay back, and you could end up in debt for that also.
  
• Control your expenses. You get rich on the difference between that and what you make
  
• Make it a game. Looking for opportunities to make money is supposed to be fun. Never sweat it.
  
• Read. The more you know the more you will perceive to be possible, the more you can make.
  
• Make it about something else than money. It has to be fun. Fair enough you are doing it to become financially well off but few wealthy get off on that alone.
  
• Make friends with people who share the same goals and values. It will reduce your downtime, and give you pleasure when you are down.
  
• Make friends with people who are different than you. They can be the greatest source of inspiration and guidance if you are open to their different perspective.
  
• Help others. Learn to be a caring individual that makes the world better for people around yourself. It will lead to more positivity coming your way. Also, donating to charities can come back to you in the form of tax deductions.
  
• Plan. Define what you want, Act on it, and Evaluate often to see how you are going.
  
• It is OK to be cheap, but never be cheap on things that give you value.
  
• Never invest more than you are willing to lose. This is particularly important when you start. The older and more experienced you get the less risk you are likely to take, or the better you are capable of taking it.
  
• Think a lot on why you want to become rich, what exactly you want to buy, what lifestyle you want. Make it specific, and date your time for having it and why it matters to you
  
• Money represents value. You might come to the understanding that you make money on giving something that other value more than what they pay. You spend the money to get something that is more valuable.
  
• If possible, make the maximum out your retirement fund provided either by your government or your work. Then proceed to put as much money in to an account like a Roth IRA.
  
• Whoever said money can't buy happiness has never driven a sports car!
  
• Money can never buy true happiness. Do not lose your friends and family over making money.
  

Warnings

• Unless you are the wealthiest person in the world, there will always be someone with more money than you; there will always be someone with less money than you.
  
• Be prepared to make choices that are different than most people around you.
  
• Keep riches and wealth in perspective i.e. don't kill the goose that lays the golden egg. In other words, avoid neglecting the source of the wealth e.g. decent health.
  
• Money doesn't always buy happiness (but it can take care of almost everything else).
  
• Never steal money. So don't get any ideas about robbing the bank.
  
• Do not brag about how much money you have. Thieves will be more likely to target you. Consider investing in a means of personal defense such as a martial art or a firearm.
  

Related wikiHows

• How to Get Rich Easily
  
• How to Look Rich
  
• How to Become Rich Someday
  
• How to Get Rich Quick if You're a Kid
  
• How to Look Rich without Being Rich (for Teens)
  
• How to Find a Rich Woman to Date
  
• How to Act Like a Rich Girl
  
• How to Pretend You Come from a Rich Family
  

Article provided by wikiHow, a wiki how-to manual. Please edit this article and find author credits at the original wikiHow article on How to Be a Millionaire. All content on wikiHow can be shared under a Creative Commons license.

Saw Something really CHEAP ? Don't Buy It !

Or rather, don't buy something just because its CHEAP.

I was walking back after lunch and there was a crowd of people surrounding a make shift stall.
Being kaypoh curious, I went to have a closer look.

It was a stall selling fridge magnets with a cute toy attached to it at $1.

Sure you may think "That's cheap !", but how many of us really need that magnet ?

Was it really value for money ? i'm sure the magnetism would be pretty weak and not much use other than for decorations.

How often do we find ourself gulty of buying something we don't really need or even want but buy it because its cheap and think that we will use it ?

Price : $2, Value : $0.00 ( cheap but still overpriced )

Whenever we make a purchase, ask ourself "Do I need this ? or do I want this ?"

When I only buy what I need and not what i want, then I will be able to save more money and make better purchases. ( & of course less junk lying around at home =) )

A quote From (500) days of Summer

You cant describe great cosmic significance to a simple earthly event. Coincidence, thats all anything ever is, nothing more than coincidence. There are no miracles. There is no such thing as fate. Nothing is meant to be.

This was the thoughts of Tom Hansen ( male lead ) at the end of the show (day 500) when he was interviewing for a job. There was another girl who was waiting for interview as well.

Instead of thinking there's such thing as "the girl of your dreams", Tom decided to take action by asking the girl out whom he met at an interview.

Her name, was Autumn.

Ok. Opened account

MySavings POSB at 0.4% interest rate.

Hope this works out =)

Dating places visited

Possible Places to go *updated*

Sentosa
West Coast Park
that place around Yio chu kang and Khatib
Esplanade
fish spa
night safari
pulau ubin

Bedok prawn mee wif handmade noodles
Jurong Area Crab Feast ( see mangekyou blog )

Dating locations

Macritchie Reservoir
Firestation ( bt timah )
Changi Airport ( T2 viewing gallery closed :S )
Changi Village
East Coast Park
Labrador Park ( nothing much )
Hort Park ( colourful park )
Keppel Bay ( nice view )
Bt timah Nature Reserve
Punggol Beach ( ??? )
Marina Barrage
JB

Eating Places visited

Boon Lay Market ( Nasi Lemak )
Soup Spoon ( great soup )

2 Books : $50. A millionaire by 30 and finding your ideal partner? priceless ~

"I'm going to be a millionaire."

I recently purchased 2 books "A million bucks by 30" by Alan Corey and "I kissed Dating Goodbye" by John Harris from the MPH bookstore near my office.

A million bucks by 30 talks about how this college graduate working in a normal day job sets this goal of becoming a millionaire by the age of 30.

He does it in a systematic way by gaining as much knowledge as he can about finances and lives as frugally as he can with many cheapskate tips for the readers throughout the book. I have not completed the book but he eventually made it by the age of 28 within 6 years.

What he has achieved proves to everyone that you do not need a high paying job or a rich family in order to become rich living in an expensive city like New York. I got to admire him for his determination to live such a spartan lifestyle to achieve his goal even to the extent of being called a "cheap date" and being ridiculed on tv to make extra cash.

I kissed dating goodbye is all about how to treat dating as a Christian and to understand more about how to find the right life partner without having to do traditional dating routine.

Some of the stuff mentioned is not easy to do especially since following God is never an easy path with all the temptations of the world.

I hope to apply some of the methods in the book to my life so as to have a better relationship experience with girls as well as God so that the 2 do not have to conflict.

---------------------

I'm glad 2 months of gruelling RT is finally over ! I think I'm pretty close to passing IPPT although my fitness level would mot probably drop by the next time i do my IPPT.

P.S if you feel that your car can do some decoration to differentiate itself from other car owners of similar models, check out this website to improve the interior and exterior design of your car.

http://luxury-concept.blogspot.com/