Singapore Banks' Interest Rates For Basic Deposit and Saving Account?
Question:
List me all the Interest Rates offered by adjectives the banks contained by Singapore (Standard Chartered, DBS, OCBC, OUB, etc etc) with regard to basic deposit and nest egg account. Or you own any risk-free highest interest rates for lump sum deposits. Singapore one and only!
Answer:
All rates reflect banks' chief passbook savings explanation. They may offer better rates for other savings/deposit accounts but near conditions attached. Please check bank website for details
Maybank (www.maybank2u.com.sg)
first $3,000 0.25%, above $3,000 0.375%
HSBC (www.hsbc.com.sg)
below $50,000 0.125%
$50,000 and above 0.25%
DBS (www.dbs.com)
first $3,000 0.25% subsequent $47,000 0.275% next 50,000 0.375% harmonize above $100,000 0.475%
UOB(www.uob.com.sg)
first $3,000 0.25% next $47,000 0.3% subsequent $50,000 0.4% above $100,000 0.5%
OCBC (www.ocbc.com)
first $10,000 0.25% next $40,000 0.27% subsequent $200,000 0.38% above $250,000 0.48%
Most basic deposits and reserves acct int rates are between 0.125%-0.5% p/a. Best interest rate i've seen so far is standard chartered's e$aver's acct. It is 1.88% p/a.
HDBC
i don't know
Online financial advisor?
Question:
I am embarrassed to recognize that despite receiving my BS within Finance, I can hardly fiddle with my personal finances. Does anyone know of any online resources that can offer me some lend a hand? I really need to get hold of on track as far as budgeting and saving, and eventually beside investing and my 401(k). I've been out of arts school since May 2005, and working full-time for a year and half and am have a difficult time transitioning. Any advice or other resources would be greatly appreciated. Thanks!
Answer:
Use Quicken Deluxe to track your finances and investments. If you know what you are spending and what it is for you might prefer that you can control your spending. I have also found it compliant to save 10% to 15% of my annual income and treat that stash as an expense in my budget.
Fool.com have been a big abet to me.
These Yahoo links have some virtuous advice.
http://finance.yahoo.com/retirement/educ...
Listen, and read, Dave Ramsey, he have a lot of upright advice, and I'm sure he can assist you, so then you can backing others!!
What is the best site to put up for sale college textbook online w/ no credit card?
Question:
Answer:
I'm not sure if you need a card or not, but I use Amazon.
Try partly.com if you have a paypal reason. Or you can sign up on Amazon with your mound account info.
My best guidance would be www.ebay.com
If you live in or practical the college where accounts were only just used, try Craig's List: www.craigslist.org - find your city and list files.
You do not have to use your own phone or email address within your ad, they will 'mask' your email and transport you all the replies. Then you can arrange to gather round people contained by person, for dosh only, within a public place - like the parking lot of a Burger King.
Best of adjectives: it is FREE to list on Craig's List!
I'm trying to integer out if I get screwed on my payroll. How do I solve this equation? X-.349X=343.95?
Question:
.349 being the average taxes I earnings, X being my gross, 343.95 individual my actual pay.
Answer:
x - .349x = 343.95
.651x = 343.95
x = 343.95/.651
x = 528.34
Substitue your Gross where on earth X is. Then solve accordingly. Its kinda firm to understand your examine.
X-.349X=343.95
On the left side here is X-.349X = 1X - 0.349X = 0.651X.
This equals 343.95.
So you get the solution for X if you divide 343.95 by 0.651.
That is : X = 343.95 / 0.651 = 528.341014
I couldn't frickin inform you;)
Bostonianmo is correct.
See - and you probably thought you'd never use algebra in the actual world.
You may not have gotten screwed depending on the states, the company, and the taxe rules for respectively different state, city, person or business companies any take out little remuneration or a lot of money for your takes approaching take mine for example gross pay packet about $500.00 bucks network pay more or less $380 that's all the taxes they took out to be precise not there within you net reimburse.
IRS ROTH IRA's, CAN INVESTMENTS IN ROTH IRA BE TRADED?
Question:
CAN INVESTOR TRADE THE INVESTMENTS IN ROTH IRA
Answer:
Mutual funds can be bought or sold at anytime. However, since your mutual funds are in a Roth IRA, if you vend any of your shares before age 59 1/2, you may be hit near a 10% tax cost if you are not using the proceeds for qualified expenses (such as purchase of first home or paying for college). If your Roth IRA is less than 2 years behind the times and you redeem any shares, you will be hit with a 25% levy.
After age 59 1/2, you may redeem your shares without have to pay any taxes on anything and you can save your investments as long as you like (meaning, you don't own to redeem it all at once). If you die during your retirement years, your beneficiary will acquire assets.
Bottom-line, Yes.
Depending on where you own your Roth IRA, determines the flexibility of your IRA. If you don't have as much flexibility as you want, you can other move your IRA to somewhere better.
You can always buy and supply inside of your IRA and you won't have to foot taxes on your gains. Depending on what you buy or put up for sale, you may face some fees for your moves. You should consult a financial advisor to see if the move is corect for you.
money issue...?
Question:
I'm 16 and have be trying to get a post, but I live in a small town where on earth there's not a lot of mission opportunities, and I really entail some money (I'm saving for a trip). I be just wondering if anyone have any ideas on how to take home some extra change? Thanks :)
Answer:
A dollar save is a dollar earned. Don't run to the trip.
I assume that you have tried the standard routes(mowing lawns, shoveling snow, treatise routes).
Try selling items for other people on eBay. You may own to start with some low side-line items to build up trust with your clients.
If you own a car, try to find work outside of your town. Also, don't give attention to that you're above doing something. If the only place contained by the town that's hiring is the Dairy Queen, set your pride to the side and get a commission there.
They speak Necessity breeds invention. So what things are you good at? Repairing computers, babysitting, mowing people's yard, or if it snows in your nouns, shoveling snow off people's sidewalks. Selling cake, CDs, old toys. Cleaning up people's garages. Delivering journalists, Carrying people's groceries to the car.
Good luck!
You're wanting to rob one of few available jobs surrounded by your area so that you can progress on a trip? Someone out there requirements that job to nurture their family.
How 'bout you spot that, at 16, you don't need to be taking any trips. If you do carry a job, store for college.
Maybe baby sitting, deliver newspaper or helping a senior being doing some small jobs for them?
Good on you for wanting to compensate for your own trip.
I'd guess I'd ask anyone and everyone you know that you're in have need of of odd-jobs for pay and if they own anything you can do.
You might be able to check at your high-school's guidance counsellor as sometimes businesses permit them know if they have recreational job opening.
I'd also ask your minister or pastor because they usually know business owners who might be willing to come up next to a job to assistance you out.
Good luck and I hope you have a great time on your trip.
Try affiliate marketing on the internet, not newly this but there are frequent more things that you can do online to get money.
What do you prefer an ATM reason or passbook nest egg reason?
Question:
Answer:
If you want to save money consequently a pass book is best. It is inconvenient for you to travel the bank and bring money out and you may think it through beforehand going to make a deduction if you have to physically dance to the bank a bit than your money being at your fingertips at the ATM. You own to decide which is more substantial to save money or to own easy access to it.
money accounts earn money (interest) over time... an ATM account charges you a excise to access your own money.
i prefer an ATM account surrounded by the sense that you get to access your side anywhere...although machines cant be too trustworthy...
How to cause dosh money each day?
Question:
how to make in haste money?
Answer:
Work in the slog market that wages daily rate.
be in motion to work, sure fire way to formulate money each hours of daylight you work.
NOpe, sorry there is no quick money. YOu have to put application and work hard for it to be capable of get it. ONly mode you can get briskly money is rob the bank. Hahaha which you will terminated up to jail.
affliate marketing is best to do this ...
easier said than done work daily unless you can win the next youtube, G00GLE or milliondollarsite
Reach your workplace swift, finish your work fast, and verbs with this process amazingly fast..thats the course the bosses will pay you faster and moregot it ? :)
Create a website, applied for G00GLE a.d.sense.
Load of money coming quickly
i tried cash crate i spawn last month $75 but i Saw some general public on forum made $600 how many offer you make,how much you bring back paid http://www.cashcrate.com/index.php?ref=1...
i also try hits4pay I'm immediately $20 just for reading emails but its completely slow . http://hits4pay.com/members/index.cgi?ce...
and also http://www.inboxdollars.com/?r=civileng...
Money issues..any belief?
Question:
What is the best way to store money for vacations, emergency, etc??
Answer:
Have a certain amount deduct from each check automatically and put into a special money account.
not to spend it
Open a funds account. Deposit money contained by it.
Set up a savings rationalization.
As soon as you are paid put a fixed amount into the details.
If you get remunerated directly in to a sandbank account enjoy a fixed sum automatically transferred to the savings picture soon after you are paid.
Depending on how disciplined you are, you may call for separate savings accounts for necessities (emergency funds, etc) and luxuries (vacations).
May I suggest that you carry a copy of the book below. DH & I have be following it for almost 3 years. We are getting out of all our college debt & we enjoy NO open credit cards/lines of credit, etc. We other have brass for emergencies & we never skirmish about money anymore - only little tiffs about what to spend the entertainment budget on. :) I'll also confer you the website. You can listen to his radio show podcasts, too. He will probably make you cracked at first b/c he will cahllenge a lot of what you've probably hear about money paperwork from others, but he will also challenge you to stop man "normal" b/c (as he says) "normal is BROKE".
Best wishes.
Btw, I win nothing for promoting Dave except sharing the "financial peace" we enjoy found w/ others.
I would say friendly up an online savings details at ING, Emmigrant Direct, Citibank etc. They offer interest rates of 4.5% and up.
For emergency, I would try to save 3-6 months worth of pilfer home pay. This sounds close to a lot, but if you commit to depositing $100 a month or more to your online funds account, you'd be amazed how much can gather.
For vacations and other non-essential items, I would create a budget outlining how much income you receive respectively month and then stripe up all of the monthly expenses such as loan payments, mortgage payments, living expenses and funds dedicated to your emergency fund and retirement accounts. Then the money gone over can be put into savings to be spent on your time off.
I would come up with a set amount you want to spend on your time off like $500. Make sure that you put aside $10 a paycheck or more. When it comes down to in reality going on vacation, spawn sure you don't overspend the amount you budgeted for vacation.
I use one vindication for emergencies and irregular expenses. First I accumulate enough money for an emergency fund (a few splendid or 3 months worth of expenses). This is my cushion that I aim to stay above.
But then I don't stop contributing to that side. I estimate the irregular expenses I will want to spend each year--gifts, vacation, taxes, insurance, new appliances, etc--and I divide it by 12. Then I stockpile that amount each month contained by my emergency account (in postscript to my other savings that are specifically designated to something similar to retirement or a new home). And I thieve it out when needed.
Click here:
https://www.surveysavvy.com/ss/ss_index
if you want to make money answering surveys. It is 100% legit simply problem is there isn't much surveys. Just check your email once every week. Its moderately easy to manufacture money doing nothing, but purely gotta refer a lot of general public. I made about 400-500 a month but I have refered a lot. Easy side commission.
what is IPO scam and how it be done?
Question:
tell me in the region of history of ipo and what is ipo scam?
Answer:
check out http://scamsbeware.com - consumer resource center. all kind of scam info there, there's also a forum where on earth u can keep up to date on current and adjectives scams. And if u enjoy any questions only just post it in the forum and somebody out here should help u. http://scamsbeware.com/forum/index.php. Best of adjectives it's FREE 2 join, a short time ago register at the top it'll be worth it for u to keep up 2 date on scams/fraud.
Well, an IPO (initial public offering) by itself is not a scam.
Many startup and established companys volunteer IPOs the first time they go public and get rid of stock. When G00GLE offered stock it had an IPO of $85 and go to over $400.
That said, there are scam for everything. You may have recieved an email maxim such and such company was have an IPO and you can get within on the ground floor by sending in money or providing your ridge information. That would be a scam.
Always buy through an established broker.
yahoo finance have a list of adjectives companys with IPOs and when they will come out.
Check it out if you enjoy any doubts about a company.
The different lb20 file ?
Question:
Who would you like to see on the rear of it ?
Answer:
Princess Diana
me
Lets play monopoly instead
my face
Does it really event!
Gordon Brown.
Dr Who. Who else!
Queen Elizabeth I
Who is on it? I haven't seen one but :-( But I would like to see someone I know on the back of it (like my mum) because that'd simply be really weird!
Yh I give attention to I would have to run with Doctor Who - David Tennent - later you have something nice to look at whilst you shop!!
someone welsh max Boyce,Katherine Jenkins, or a hollywood party Mae west,Marylin Monroe.or Diane the princess of wales.
how do I know if it's true more or less a hose down cooler chock-a-block beside penny's instead of river really totals $1000?
Question:
I heard that if you permeate a water cooler next to penny's a bank will administer you $1000 because it's been counted and is a set fact. This might be a myth but I can't find any information on the internet. IF I FILL AN EMPTY WATER COOLER WITH PENNY'S, WILL THE IT TOTAL $1000? Has anyone hear this before?
Answer:
The ridge is not going to give you a flat impressive. It's ludicrous to think a hill wouldn't count the money. They're banks... it's what they do. They hold machines similar to Coinstar machines. They dump in the loose translation, which is sorted and counted.
if you cant find it on the internet, its probably not true. the bank would probably not do that for you. im sorry. however, if you own that many pennies they will probably count them for you.
I hold not heard going on for this before but you can smoothly verify by performing a bit of math.
the internal volume of the water cooler
divide by the
the volume of a penny
equals the number of pennies you can fit surrounded by...
MoMo has the right view, pooir application thouugh.
There are several ways to do this.
1 weight an pointless water cooler, later weight a full one. Find the consignment of a penny and do the math.
MoMo's application is wrong in the pennies do not stack other, there will be too much space between pennies to seize an adequate method. To do it his way, you would own to fill the cooler beside pennies, then top it past its sell-by date with a particular amount of water to compress in the gap and then do the math.
Im on ssi and acquire a allowance the strength ins. comes out of the pensoin check going away lately around 300 from that?
Question:
IM 45 ANDNEED EXTRA MONEY TO STAY IN MY HOUSE AND FOOD FOR MY CHILDERN
Answer:
SSI is different from state to state, but one thing to be exact the same is that SSI is a state/federal welfare program. It is a program to be precise based on have a financial need. In demand to get SSI you enjoy to have a disability or be over the age of 65 AND enjoy less than $2,000.00 contained by resources (bank accounts, stocks, bonds, cash, etc. You are allowed to own a house, as long as you live within it and you are allowed to have one sports car, some money set aside for burial, and one wedding ring) and be below infallible income levels. Income can be earn income or unearned income. Earned income is wages, and unearned income is Pensions, Social Security Disability, interest income, rental income, etc. Since you ask about income here I will focus on the income. Depending on the state you are living within, you are allowed to have a particular amount of income, and that usually changes upon your living arrangement, if your income is above that smooth you can not get SSI. If your other income raise, your SSI will lower. So if you get more money from your income, your SSI will give you smaller number money. SSI does NOT CARE what your expenses are, it just care what your income is. It is not fair, but it is the style it is. I am not sure what the rules are for your state, but If someone on SSI works in the state I am from, SSI will fail to acknowledge the first $65.00 of earned income and the first $20.00 of unearned income. If someone have no other unearned income, SSI will give them the $65.00 earn income exclusion, and the $20.00 unearned income exclusion, so the first $85.00 of their wages will not be counted. In your case, if you be living in my state and you be to get a assignment, SSI would only exclude the first $65.00 dollars of your wages because they are using the $20.00 unearned exclusion for your allowance. So, if you get a errand, the first $65.00 you make does not own any impact at all on your SSI. If you attain a job be your monthly GROSS earnings are below $65.00 your SSI will not be reduced. If you grasp a job where on earth your monthly gross wages are above $65.00 SSI will reduce your benefits by $1.00 for every two dollars that you bring in. So, if you were to bring a job and enjoy $100.00 in GROSS wages (wages BEFORE taxes are taken out) SSI would consent to you keep the first $65.00 and later for the remaining $35.00, SSI would take rear legs 1/2 of it ($17.50) by reducing your SSI check. SO, by making $100.00 in monthly wages, your SSI would be reduced by $17.50. If you do the math, you are still finish up with more contained by your pocket by working if you are able. Check beside your local Social Security Office to verify the rules in your state. Also, if you are not getting them, apply for food stamps for your home. You may be able to find a higher amount of food stamps by applying the family connections. Also, if you are disabled, and worked, you may qualify for SSD. If you qualify for SSD, your minor children also may qualify for SSD on your record. Contact your local Social Security organization for that as well. SSI and SSD are both manage through the SSA; however, they are two separate programs so you will need to speak to two different empire. Good Luck!!
What is the question? Do you stipulation some money? Or do you need a course to make some money? Or do you call for a man in your enthusiasm?
You may need to receive a part-time post. If you are disabled, try contacting organizations similar to Goodwill Industries or the Salvation Army; they like to sign up people who hold problems in the regular workplace.
Also, jump to your church or synagogue. They often will be capable of help folks who are struggling.
With that income you should know how to receive some sort of welfare assistance. You need to record out the paperwork to receive at least food stamps.
Just because you're on SSI doesn't denote that you can't get a opportunity too.
If you need food for your children, be in motion apply for food stamps.
what the pro and con of a 401k program?
Question:
Answer:
The pros are: you save money. The money and nest egg are tax deferred, so you don't hold to pay taxes until you annul the money.
The cons: Your money gets tied up and you cannot use it until you turn age 59 1/2. If you annul earlier, you enjoy to pay taxes and a 10% cost on the gross amount withdrawn.
No Cons all pro, you dont enjoy to pay money on the money you gather, putting you into a lower tax bracket
great stuff, max it out if you can, you will see that it is cheaper later you thought, best way to become a millionair
its a great program,but i wouldn't enunciate no cons, you cant take it out short penalty until 59 1/2, though that can certainly be a pro if you are a spender, it forces you to save
export tax savings immediately, tax deffered growth, undemanding to save by taking it right out of your check, and usually a company game on the money you invest, if you can use a 401k then do it
The big pro of 401Ks is they are automatic reserves, so you do not have the incentive to spend the money which you never see. The other pro is the money grows without have taxes taken out until you withdraw the money.
There is definitely no con to contributing to a 401K the amount needed to get the company game.
The con is the lack of flexibility beside the money. Most 401Ks allow you to invest in at least possible some decent mutual funds. But the big dearth of flexibility is if you need the money beforehand you turn 59 1/2. You will generally own to pay a 10% cost on top of the taxes.
After getting the company contest, I would reccomend openning a ROTH IRA. These are a little more flexible(you can cancel contributions), but take more discipline. If after the ROTH IRA max, you still own money to contribute to retirement, then I would bump up the 401K contribution.
anyone know how i can capture a first time buyer mortgage??
Question:
if i have a ccj on my credit narrative. its been on near since april 2004...and im still paying it back...
but presently i need to buy a housei can afford monthly repayments, but its frozen to get a regular mortgage from a sandbank
Answer:
It is possible to get a mortgage, but the rates you are credible to be offered would be much higher than the 'typical' rate you would see on posters and advert.
The first link below explains a moment or two more. As you have an uncleared CCJ, you dive into the 'sub prime' mortgage market. There are a few specialists who would loan to you. A mortgage broker would find you the best concordat for your circumstances, saving you the drudgery of finding a lender and later the possibility of having an application refuse (too many search on your credit file will also drain your credit rating). Most brokers will charge a fee for their services (either outright or as commission on the public sale they receive from the lender).
If you have a apposite relationship with your wall, you may be lucky - but I would suggest a broker wih a good reputation, such as Charcol.
Have your agent put you surrounded by touch with Rural Development.
Banks won't touch you until the ccj is cleared.
turn to a mortage company !! there are millions within the phone book in your nouns ,they can get you started within what you need!
If you are a first time home buyer, you probably qualify for a mortage call SONYMA. It is government subsidized and you with the sole purpose have to bestow a five percent down payment. I hold attached the link. Good luck.
You can use a subsidiary lender which any mortgage broker will inform you various sources and arrange one for you. Although the interest rates will be slightly superior. Best to check with them on this point.
I would also check near your bank or any other building societies to see their policies on motgages and if they do allow you near one CCJ to obtain a mortgage as since you are paying this bad regularly. Best of luck
Try Abbey.
You will get a much better do business if you look on the net
Good luck
I assume you are surrounded by the UK.
Your first step would be to go to an independent mortgage advisor. Find one of these surrounded by the yellow page or from a recommendation past its sell-by date family or friends.
Because you own the CCJ most high street lenders will not touch you (including the one I work for) however, most of these companies enjoy secondary companies that specialise contained by non-conforming lending (or lend that does not fit their mainstream lend criteria).
A lot of these companies will lend to a first time buyer with a CCJ however, you may be required to place a larger deposit (i.e. instead of 5% you may enjoy to put down 15%).
The independent broker will then look through adjectives the available companies until one is found to be suitable to you. The reason have to be cost efficiency on your behalf not because he will receive a large commission.
The rate you will wages will be slightly higher (around 0.5% to 1%) than the advertise rates in the shop window of banks.
You will want to stay with this company until you enjoy paid the CCJ plus 3 years as most companies would want the debt to be settled for this length of time before allowing you to proceed.
After this time you can remortgage to a standard rate from a dune or building society.
Please note you may enjoy to pay for the services of an independent mortgage guide.
Hope this helps, contact me if you own any queries.
Look surrounded by the yellow book for a mortgage broker that have an ad for "Challenge credit" or similar. THey should know how to help you-- if it can be done, they'll find it!
But variety sure its a good one. If they run a few days and aren't responsive, get a latest company. A good mortgage broker know immediately when he see your scores if he can do something, and will other have several ideas/venues to explore. If they're wishy washy, shift somewhere else.
Try the websites below
Website; http://www.themoneycentre.co.uk...
http://www.moneysupermarket.com/mortgage...
some banks will touch you,ltsb own a mortgage for people near ccjs it was launch a couple of months ago and most banks building society will serve if the ccj is more than 2 years old,they enjoy had to relocate their policies to stay in queue with the rest of the flea market,make some appointments and see who can volunteer the best deal or dance and see an independent Mort adviser,they can bring up to date you all the mortgage you can achieve with your credit history income etc(that is easier than going to adjectives different banks etc)
Most states own programs set up for 1st time buyers. Check your state's website or talk next to a reputable mortgage company...they may even know of grants that are available through your local political affairs!