Saturday, September 23, 2017

Managing Your Money (3)

Step 2 in financial planning: KNOW WHERE YOUR MONEY GOES

          It is possible to gain control of your financial situation, but first you must recognize where your money goes. Noting down your spending over a period of time (e.g. 8 weeks). Your aim is not to cut your spending but just to note where you have spent your money.

          If you have no idea on how to noting down the spending, you may download some excel spreadsheet for tracking purpose. There are several source to download for free online. Choose the one you are comfortable with.

Saturday, September 16, 2017

Managing Your Money (2)


Step 1 in financial planning: SET YOUR FINANCIAL GOALS

          It reflects things you want to do with your money for a given period of time. Do split these goals into short term, medium term and long term. It is all depend on factors such as

Sunday, September 10, 2017

Managing Your Money (1)

          Financial planning is the very first step of taking charge of your finances. You should be the owner of your money & asset, instead being control by them!

          There are 4 steps involved in financial planning:

  1. Set your

Sunday, September 3, 2017

What is Trust? (5)

          The reference Fixed Trust and Discretionary Trust actually refers to the beneficial entitlement of the beneficiaries. A Fixed Trust is one in which the amount or proportions to be distributed to the Beneficiaries have been determined. The beneficial interest of each Beneficiary has been clearly defined.

          A Discretionary Trust on the other hand is a Trust in which the amount or proportions to the Beneficiary(ies) are not fixed but left to the discretion of the Trustee, although he may be guided by the Settlor through a Letter of Wishes. 

为什么这么简单的心愿都无法完成?!

原以为立了遗嘱就安心,谁知道…… 为什么!?为什么这么简单的心愿都无法完成呢!?!?!

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