If you follow my blog and Telegram channel, you know I am not a big fan of “investing” in Bitcoin. Many people consider Bitcoin as a get rich scheme, but to me, Bitcoin is not exactly an investment (for now) or even a currency. It is a collectable. It is a “token” that proves that we […]
Credit Report and the Bureau Score: What Are They And How Do They Affect You?
You can’t live a modern financial life without credit. Having access to “credit” is your ability to obtain goods and services before you pay for them, based on the trust that you will make payment in the future. You may not realize that you have probably used credit many times in your life. For example, […]
Credit Card or Personal Loan: Which One to Choose When You Need the Money
Sometimes, I hear people saying that they want to cut their credit card and be debt free. I feel it hilarious because your credit card doesn’t trap you into debt, your spending patterns do. Credit is like a knife in the kitchen, it is essential to your daily living, though it may hurt you occasionally. […]
3 Credit Mistakes You Must Avoid in Retirement Planning
When you think about retirement planning, your focus is always on building your retirement income to secure financial stability for your future. But will you be keeping a close watch on your credit reputation? It can make a lot of difference. Credit is an interesting thing. Some people think they have too much of it, […]
5 simple ways to improve your credit score so you can get the loan you want
Are you stuck when you are not able to get the loan you need? Maybe you want to take out a mortgage loan, plan a wedding, apply for a car loan or build up funds for retirement. If that is the case, improving your credit score should be your top priority. A Credit Score is a number used by […]
How to check your personal credit bureau report in Singapore
Your credit report is more important to you than you think. A few months ago, I wrote a blog article about my encounter with one of the local banks that rejected my request to increase credit card limit for no good reason. I mentioned I had an “AA” CBS Credit Score from Singapore Credit Bureau. […]