Low Check Kian's Blog

Critical Business Financing Mistakes

noreply@blogger.com (lowcheck kian) — Mon, 27 Jul 2015 07:11:00 +0000

If you are about to commit following two business financing mistakes, you are going to lessen your possibilities of long term business achievement. Also, to be an achievement in business you need to think critically. Reputation in business is earned with time. A good and professional business reputation is to a great extent judged on monetary achievement and budgetary accomplishment in business is evaluated generally through the examination of business accounts. Successful business accounts show to banks, agents, associates and so forth, that you are a bankable specialist and will lead them to put their confidence and money into you and your business wanders. By not conferring any of the below 2 business finance blunders you will, at any rate, have great money related markers and have the capacity to respond to the organizations budgetary position in time. The key here is to comprehend both the reasons and importance of each.

No Monthly Bookkeeping:

Notwithstanding the size of your business, erroneous account keeping makes a wide range of issues involving to income, business choice making and planning. In more simple word, your business is ruined, if you are not doing month to month accounting. Bookkeeping services are extremely inexpensive contrasted with most different expenses, a business will bring about. Bookkeeping ought to be done on a month to month premise alongside Management Accounts, so that your budgetary records are dependably up to date and you can see the monetary status of the business. Once a bookkeeping procedure gets built up, the expense and time included generally goes down. Thus, this one blunder has a tendency to prompt every one of the others in somehow and must be avoided.

No Projected Cash Flow and Budget:

Having inaccurate bookkeeping makes an absence of information on where you are. Furthermore, having no anticipated income and budgets makes an absence of information about where you are going. Without keeping track of who's winning, a business has a tendency to stray further and further away from its objectives and, welcomes a disaster that ultimately constrains the business to change it monthly or yearly spending. A projected cash flow main requirement is to be practical. You ought to project a best-case and worst case both situation in view of anticipated deals and business consumptions. It's a smart thought to go for the ideal situation, however know how the business would response ought to the most dire outcome situation transpire.

This good information is brought to you by Mr Low Check Kian who is the business leader (biography of low check kian)

Business Finance - Strategic Planning

noreply@blogger.com (lowcheck kian) — Wed, 08 Jul 2015 15:48:00 +0000

A Few Surprising Facts about Indonesia

noreply@blogger.com (lowcheck kian) — Tue, 07 Jul 2015 08:40:00 +0000

A Few Surprising Facts about Indonesia http://lowcheckkian.quora.com/A-Few-Surprising-Facts-about-Indonesia#Indonesia #culture #LowCheckKian
Posted by Low Check Kian on Tuesday, July 7, 2015

Low Check Kian as an Artist

noreply@blogger.com (lowcheck kian) — Thu, 25 Jun 2015 08:24:00 +0000

Low Check Kian, an artist in his own right, strives to collect and then display prominent works of art that he feels...
Posted by Low Check Kian on Wednesday, June 24, 2015

The Secrets of Finances and a Happy Family

noreply@blogger.com (lowcheck kian) — Tue, 23 Jun 2015 15:46:00 +0000

The Secrets of Finances and a Happy FamilyAs has been the situation all through our history, finance is the most...
Posted by Low Check Kian on Saturday, June 20, 2015

Why you need to save and invest

noreply@blogger.com (lowcheck kian) — Wed, 03 Jun 2015 06:26:00 +0000

Why you need to save and invest from Low Check Kian

How to Avoid Common Financial Pitfalls

noreply@blogger.com (lowcheck kian) — Tue, 02 Jun 2015 08:37:00 +0000

How to Avoid Common Financial Pitfallshttp://lowcheckkian.hubpages.com/hub/How-to-Avoid-Common-Financial-Pitfalls#LowCheckKian
Posted by Low Check Kian on Friday, 8 May 2015

MaxiAids Products For Independent Living: 5 Money Saving Tips for Holiday Shopping 2014

noreply@blogger.com (lowcheck kian) — Thu, 28 May 2015 11:38:00 +0000

MaxiAids Products For Independent Living: 5 Money Saving Tips for Holiday Shopping 2014: Believe it or not, the 2014 holiday season is approaching fast. On Twitter, Black Friday chatter has already commenced, and the hashtag #hol...

Low Check Kian is a Director of Cluny Park Capital

noreply@blogger.com (lowcheck kian) — Thu, 30 Apr 2015 05:47:00 +0000

Indonesia - A Country of Thousands of Beautiful and Exotic Islands

noreply@blogger.com (lowcheck kian) — Mon, 02 Mar 2015 06:28:00 +0000

Indonesia, a Country of a great many excellent and extraordinary Islands, that start off your creative ability with considerations of fine sandy shorelines, colossal sanctuary edifices, incredible plunging and the titan dragon of Komodo. The islands of Indonesia are spread over an endless region of sea and actually talking is isolated by two Continents. A few parts of the Country can be as not quite the same as one another as dark is from white. The buzzing about of the advanced capital Jakarta is similar to an alternate planet when contrasted with the customary Papuan tribes of the Baliem Valley.

Jakarta

It is not the biggest City in the Country, Jakarta is likewise the pulse. Indonesian's from everywhere throughout the archipelago go to the City to attempt and find their fortune or just to survive. The substance of the City is continually changing because of the development of new high rises, shopping centers and inns. Jakarta is for the most part a business and political City and not by any stretch of the imagination a traveler destination, yet the more established provincial parts of the City are exceptionally intriguing and the galleries have a ton of captivating displays. Jakarta, in the same way as you would expect, is the most extravagant place in Indonesia, and in addition the most contaminated and generally congested. It can be difficult to adapt to the greater part of the hustle, soil, wrongdoing and expense, yet in the event that you would you be able to will discover an energizing City with bounty to offer.

Kota

This is the old Town of Batavia that was the capital of the Dutch East Indies and the best illustration of the pilgrim period in Indonesia. In spite of the fact that a great part of the old town has been wrecked or decimated through the years, a portion of the old Colonial structures are still in dynamic utilization, and the territory has an unmistakable Dutch feel to it. The middle of the old Town is the stone square known as Taman Fatahillah and this is the way to having the capacity to orientate you around the sights of the old Town. The waterway of Kali Besar is one piece to the west of the square and runs nearby the Ciliwung River. This was an extremely prosperous range and on the west bank are a portion of the high class homes that date from the eighteenth Century. The Chicken business extension is the final drawbridge from the Dutch period; it is at the north end of the Kali Besar. Transports dependably drop by on their courses and the city prepare additionally has a stop here.

Jakarta History Museum

This exhibition hall is housed in the old town corridor of Batavia, which is on the south side of Taman Fatahillah. It is a well constructed building, which was initially built in 1627 and added to in the early 1700's. It was from here that the Dutch managed their settlement, and the urban communities law courts were additionally here and their primary jail compound. It contains a lot of overwhelming, cut furniture from the provincial and other memorabilia from the Dutch period.

Wayang Museum

This historical center is likewise on the Taman Fatahillah, and has an awesome grouping of Wayang manikins. It likewise has illustrations of manikins from different Countries like Cambodia, China and India. This building was earlier the exhibition hall of old Batavia and was inherent 1912 on the site of the previous Dutch church which was crushed in 1808 as the Dutchman Daendel(s) plan to free the City of its unfortunate regions. In the ground floor patio, there are commemorations to past governors who were covered on location.

Fine arts Museum

Built in the 1860's, the castle of Justice building is currently the Fine expressions historical center. It has a pleasant gathering of contemporary compositions from noticeable craftsmen. They likewise have a few potteries on show from Chinese things to Majapahit offerings.

Gereja Sion

This congregation was inherent 1695, and is the most established Church in Jakarta. It is on Jl Pangeran Jayakarta close to the Kota train station. The outer surface of the Church is really plain yet inside copper light fixtures, the first organ and the ornate lectern makes it extremely engaging. In spite of the fact that a huge number of individuals have been covered here there are not very many tombs left remaining.

Sources of Business Finance

noreply@blogger.com (lowcheck kian) — Sat, 21 Feb 2015 07:22:00 +0000

Source of business finance can be contemplated under the accompanying heads:

Short Term Finance:

Fleeting money is expected to satisfy the current needs of business. The current needs may incorporate installment of duties, pay rates or wages, repair costs, installment to loan boss and so forth. The requirement for transient fund emerges on the grounds that business incomes and buy installments are not splendidly same at constantly. Some of the time deals can be low when contrasted with buys. Further deals may be using a credit card while buys are on money. So, transient fund is expected to match this disequilibrium. Sources of fleeting fund are as per the following:

· Bank Overdraft

Bank overdraft is broadly utilized wellspring of business fund. Under this customer can draw certain entirety of cash well beyond his unique record parity. Consequently it is simpler for the representative to meet transient startling costs.

· Bill Discounting

Bills of trade can be reduced at the banks. This gives money to the holder of the bill which can be utilized to fund quick needs.

· Advances from Customers

Advances are essentially requested and got for the affirmation of requests However; these are additionally utilized as wellspring of financing the operations important to execute the occupation request.

· Installment Purchases

Purchasing on portion gives of a chance time to make installments. The conceded installments are utilized as a wellspring of financing little costs which are to be paid instantly.

· Bill of Lading

Bill of filling and other fare and import records are utilized as a surety to take advance from banks and that credit sum can be utilized as account for a brief time period.

· Financial Institutions

Different money related foundations likewise encourage agents to escape from monetary troubles by giving fleeting credits. Certain co-agent social orders can mastermind transient monetary aid for representatives.

· Trade Credit

It is the normal practice of the representatives to purchase crude material, store and extras on layaway. Such exchanges bring about expanding records payable of the business which are to be paid after a certain time period. This permits some opportunity to businesspeople in gathering monetary troubles.

Medium Term Finance

This money is obliged to meet the medium term prerequisites of the business. Such funds are essentially needed for the adjusting, modernization and substitution of apparatus and plant. These are likewise required for re-designing of the association. They assist the administration in finishing medium term capital undertakings inside arranged time. Taking after are the wellsprings of medium term money:

Commercial Banks

Commercial banks are the real wellspring of medium term money. They give advances to distinctive time-period against suitable securities. At the end of terms the advance can be re-arranged, if needed.

· Hire Purchase

Hire buy means purchasing on portions. It permits the business house to have the obliged products with installments to be made in future in concurred portion.

· Financial Institutions

Several money related foundations, for example, SME Bank, Industrial Development Bank, and so forth, additionally give medium and long haul accounts. Other than giving money they additionally give specialized and managerial aid on diverse matters.

· Debentures and TFCs

Debentures and TFCs (Terms Finance Certificates) are likewise utilized as a wellspring of medium term funds. A debenture is an affirmation of credit from the organization. It can be of any span as concurred among the gatherings. The debenture holder appreciates return at an altered rate of investment. Under Islamic mode of financing debentures has been supplanted by TFCs.

· Insurance Companies

Insurance organizations have a vast pool of trusts contributed by their arrangement holders. Insurance agencies award credits and make ventures out of this pool. Such credits are the wellspring of medium term financing for different organizations.

Long Term Finance

Long haul accounts are those that are needed on lasting premise or for more than five years residency. They are fundamentally sought to meet structural changes in business or for overwhelming modernization costs. These are likewise expected to start another strategy for success or for long haul formative ventures. Taking after are its sources:

· Equity Shares

This technique is most generally utilized everywhere throughout the world to raise long haul fund. Value shares are subscribed by open to create the capital base of a substantial scale business. The value offer holder imparts the benefit and loss of the business. This strategy is sheltered and secured; one might say that sum once got is just paid again at the time of injuring up of the organization.

· Retained Earnings

Retained profits are the stores which are created from the overabundance benefits. In times of need they can be utilized to back the business venture. This is likewise gotten back to furrowing of benefits.

· Leasing

Leasing is likewise a wellspring of long haul fund. With the assistance of renting, new supplies can be obtained with no substantial outpouring of money.

· Financial Institutions

Different budgetary organizations, for example, previous PICIC additionally give long haul advances to business houses.

· Debentures

Debentures and Participation Term Certificates are likewise utilized as a wellspring of long haul financing.

These are different sources of fund. Actually there is no firm administering to separate among short and medium term sources or medium and long haul sources. A hotspot for instance business bank can give both a transient and a long haul advance as per the needs of customer. Be that as it may, all these sources are much of the time utilized as a part of the current business world for raising accounts.

A review about Indonesian Heritage

noreply@blogger.com (lowcheck kian) — Thu, 19 Feb 2015 06:25:00 +0000

Indonesia is nation which rich exceptional society & convention. For example, the moves, conventional music, handcrafts, models, houses, and so on. Every locale has their own particular fortes; some of special houses are Jineng from Bali and Joglo from Yogyakarta. They have special shapes and rich with decorations and models.

The principal extraordinary house is Jineng, It is a reice horse shelter structures which generally utilized by antiquated Balinese individuals to store their rice after the harvest. Presently days, Jineng has been change into remarkable and solace inhabitant or manor. One of this interesting manor is Villa Raja, and a kind estate that respect a former age which reflecting the holder's energy to safeguard, offer & commend the legacy of Indonesia.

Settled in Canggu, Villa Raja finished with the diverse four rooms estate, 20 meters swimming pool, devoted staffs and rich arrangement encompassed by a rivulet and rice porches. The center of this manor is the dazzling focal Jineng developed mainly of iron wood which over than 500 years of age. Furthermore to backing the biological obligation, Villa Raja utilizes crisp, drinkable water created by a colloidal silver cleaning plant. This framework has guaranteeing that water from all taps & showers are cleansed and sheltered to drink.

The main room, outfitted with obsolescent cut bunk head showing established Balinese material painted creations. Complete with an outdoors rain shower, designed with astonishing mosaic. The doorway made of tremendous doorframe of "fabulous legendary animal" which cut out of an old. Around evening time, these delicately lit wall paintings arrive at life; it is similar to spending the night in the wonderful craftsmanship display. These manors additionally give a fun treat to children. They will love the eight meters waterslide made by the developers of Bali's popular water boom in the pool.

The second exceptional house is “Joglo” from Yogyakarta in focal Java. Joglo is the conventional living arrangement of the Indonesian gentry in focal Java. Which gladly displayed by Khayangan Estate, in these manor the joglos have been affectionately restored & refitted for solace & extravagance with strong reused teak floors, glass trough dividers, noteworthy obsolescent entryways and furniture's which intended for delicate contemporary outfitting & solace. The joglos are masterminded in a semi circle to imitate the inclination of a customary Javanese town with gimmick resplendent and antiquated cut roof. In simple words, Indonesian heritage offer you a lot to explore and take joy of.

Indonesian Martial Arts and Pencak Silat

noreply@blogger.com (lowcheck kian) — Fri, 06 Feb 2015 10:35:00 +0000

The indigenous styles of combative arts concocted and utilized in Indonesia are commonly distinguished as pencak silat. Pencak silat is a battling style which concentrates on self-protection against a ton of rivals. The name unites two Indonesian words for hand to hand fighting: “Pencak” makes reference towards the execution perspective or the conveyance of moves, while “silat” identifies with the standard connected with self-protection. In a far-reaching way, pencak silat is a reference to both conspicuous zones of the Indonesian battling style.

The inception and improvement of martial arts in Indonesia were not recorded on paper. Subtle elements on the authentic past of pencak silat are focused around archeological discoveries, oral traditions, notwithstanding fanciful stories. As indicated by legend, silat was first taught deliberately inside Srivijaya by a specific lady. A few locales have diverse variations of the story, yet all are in understanding that it was a lady, Rama Sukana, that began the early silat, which inturn recognizes the rich parcels of the military craftsmanship.

Inside one record, Rama Sukana was said to have connected the battling movements connected with winged animals and tigers in shielding herself from smashed men. She found herself able to mimic the creatures' moves in the wake of viewing a tiger and a sizeable flying creature battle. Based on the creatures' postures and developments, she composed a rich battling methodology and taught it to her accomplice, Rama Isruna. The self-protection style of Rama Sukana was then passed on through their family genealogy. After the conflict concerning Indonesia and The Netherlands reach an end in 1949, Indo individuals of consolidated Indonesian and European plunge who procured information of pencak silat brought the workmanship to European nations.

Pencak silat has ended up perceived and mentored in Indonesia, as well as additionally in western areas, for example, The Netherlands, France, UK, Spain, Australia, and USA. The key focuses in regards to the creation and utilization of pencak silat are self-protection furthermore discretion. The point ought to be to protect one's own life as opposed to cause harm.

To immaculate a self-protection battling style, students train with different experts. A rudimentary preparing session will include a newcomer understudy working on utilizing three extra understudies. More propelled preparing, on the other hand, needs an understudy to prepare guarding themselves against much more foes, ordinarily five to seven. This sort of preparing is prescribed for understudies to understand that to do well in managing more than one attacker; they should regularly be prepared to face one adversary while not lessening an opportunity for protection against another person.

Being a military craftsmanship that incorporates survival as its definitive point, pencak silat concentrates on sparing yet intense strategies. Among the rundown of techniques made utilization of by pencak silat experts are striking, kicking, and catching identifying with unfilled hand battling. Pencak silat people can utilize the striking and kicking moves fundamentally to destroy their enemies before moving to hooking moves. They will target weight regions so as to immobilize aggressors or to make tracks in an opposite direction from any lock. People will be taught to utilize all aspects of his or her body as systems relating to hitting, locking, furthermore busting joints.

The stances change as per limited varieties, yet they are typically peculiar and intended to occupy the foe. Indigent upon the stance of a professional, he or she can do a progression of preventive or forceful strategies. In this specific segment of the educating, learners learn to utilize real weapons, as well as furthermore to utilize things as a part of their quick surroundings as devices, including, cinchs, pencils, and brushes, to do the proportionate void hand procedures.

A remarkable bladed weapon used in pencak silat is known as the kris. It is a knife that regularly offers a wavy edge. Generally, a kris was created to be especially fatal by method for inundating it in venom whilst producing it. An option bladed weapon is the pedang, an Indian long sword. Counting the kris, the pedang was wielded for the most part by rulers and nobles. Much like the kris is a long sword known as the sundang, regularly offering a wavy razor sharp edge. A remarkable bended weapon is the kerambit, a minimized weapon that shows up like a feline's hook. It has been particularly decently loved by females on the grounds that it could be effectively altered inside their hair.

Dependable protracted weapons would be the batang, a staff or shaft which may be made of bamboo, wood, or steel, and also the lembing, a lance that is generally utilized alongside a perisai or a rattan shield. The samping or sarong is useful for assurance against an aggressor's cutting weapons. It can be actualized for catching, bolting, and gagging too.

Reasons Why You Must Be Serious About Personal Finance

noreply@blogger.com (lowcheck kian) — Fri, 30 Jan 2015 17:45:00 +0000

As a term, individual finance covers an extensive range right from planning, pay expense wanting to retirement choices, saving, ventures and recipient service. At the fundamental level, individual fund begins with planning uses and discovering the wage streams to meet the consumptions of an individual as a unit. The root capacity of any commercial bank is to give ways and intends to individual finance to help families and people arrange their costs and procure an enthusiasm on their reserve funds. There are different channels, which go under the general classification. They are investment funds and financial records, MasterCards and Debit Cards, advances and stores and other security storehouses.

Where do you get the data?

Money related guidance is basically seen from the point of the individual investment funds and cost portions. On the off chance that there were enduring sources of earnings, then it would be less demanding to casing up a financial plan around which the use can be based. Each and every advice would reach a state of perfection in a sparing source and this can be either in ordinary bank accounts in banks to other top of the line speculation choices from the long haul perspective.

How do credit cards come in the situation?

Credit cards are the most mainstream instruments that have a go at the highest point of any individual money situation. Generally as you have ledgers and salary sources unmistakably distinguished, you likewise need to recognize what and which are your ordinary use channels. Costs in any ordinary center fragment US family are channelized through credit and here charge cards assume a noteworthy part. Whether it is ordinary staple buy or buy of fuel, once in a while money is utilized. Visas have a huge acknowledgement element both at the shopper side furthermore at the dealer foundations. Opportune installment of costs acquired through Credit cards guarantees that your individual account is sound and you have an adjusted view about pay and consumption.

Does that imply that one can't put resources into long haul strong consumer merchandise?

Obviously, you can. If you can adjust your pay and use extremely well such that you have enough for reserve funds, you can want to try for some sturdy shopper stock like a Television, a smart phone or even a cooler. You can arrange your interests in purchasing an auto or putting resources into a condo as well. Everything would rotate around your capacity and ability to spare focused around which you can settle on these venture choices. There is particular money organizations that provide for you tailor made individual account guidance which can end up being to a great degree useful over the long term. The retreat has left the nation heaving for speculations and those with prescience have possessed the capacity to transparent the troublesome times because of exact budgetary arranging and individual account investment funds. Contribute for the future in the event that you are to transparent the present and that is everything that individual finance is about.

Business Finance and Choosing the Right One

noreply@blogger.com (lowcheck kian) — Sat, 17 Jan 2015 07:25:00 +0000

One of the principle reasons in respect to why new business wanders come up short is because of an absence of budgetary subsidizing to get the business wander off the ground. Numerous individuals don't understand the amount of opening and maintaining a business really costs. On the off chance that you don't research and search out business money you will be not able to pay for your business premises, the greater part of your fundamental gear, your bills and your staff compensation and any of the stock that you will require.

You additionally need to guarantee that when you choose your business fund that you pick the particular case that is best for your business. Finance comes in various structures and can be part into two fundamental areas; equity finance and debt fund. The meaning of equity fund is cash that is put into your business that doesn't have to be reimbursed. This cash is yours to use as an exchange for an offer of your business benefit. And additionally getting cash put into your business with value account you will likewise pick up skill and business contacts that are yours to utilize. The second principle kind of business fund is debt finance. This is cash that is credited to you. It is cash that obliges the need to be reimbursed over a concurred measure of time. You will need to reimburse the credit in full with included investment yet no rate of your shares is given over.

A few illustrations of equity finance incorporate business heavenly attendants; these are ambitious people who put a certain measure of cash into your business. In exchange for the cash that is contributed a business heavenly attendant will increase some of your imparts so they get a rate of your benefit. Business blessed messengers are ideal for new companies as they give cash that doesn't oblige the need to be reimbursed and in addition master counsel about the most ideal method for maintaining your business. An alternate illustration of equity finance comes as an investor. An investor is for all intents and purpose the same as a business holy messenger separated from they can give higher measures of fund and have a tendency to put all the more in settled organizations where the danger of disappointment is lessened.

Some sample of debt finance incorporates; bank credits. At the point when a great many people consider new company back the primary spot that strikes a chord is their bank despite the fact that banks are exceptionally watchful about giving cash to new organizations as there is dread that the month to month reimbursements won't be stayed up with the latest. An alternate case is Credit Cards; these are costly regarding start-up fund however they are likewise a speedy method for raising account. One more sample of debt finance is overdrafts; these can be lavish yet are an adaptable type of getting, they are not suitable for long haul finance and are repayable on interest.

In spite of the fact that with debt finance you have a considerable measure more alternatives open to you with methods for lending cash, the choice of equity finance is still more positive with new organizations as a private financial specialist will do everything that they can to guarantee that your business is a win.

Things to Expect from Your Investment Consultant

noreply@blogger.com (lowcheck kian) — Wed, 31 Dec 2014 16:08:00 +0000

What do you expect from your investment consultant? Most of time, an investment consultant is hired because people think he does only three jobs: report on performance, conduct occasional search and review managers. Do you think the same? This is very short list. I must add few more things that a trustee should expect from an investment consultant. Have a look!

Monitoring the performance of managers- This goes beyond overseeing the performance of managers. It also involves monitoring their strategies, policies, and their implementations, organization changes. An investment manager should inform the clients about all these matters.

Help put decisions on rational basis- Investment decisions are complex and also involve many risks and uncertainties. Investment consultant should be able to define clear alternatives, key factors and potential consequences. No one can assure that all investment plans will work out but making them in framework of clear decision analysis will surely minimize the regrets if plans don’t work.

Accept changes- Change in policies, strategies and asset allocation is requirement of the financial investment management as the field is continuously evolving. Consultant should take the responsibility of keeping the policies current. For this, it is imperative for investment manager to stay up-to date with developments and variations in the markets. Furthermore, consultant must understand both asset allocation and liabilities. Investor must expect from his consultant to involve in research groups to bring in actual procedures and their implications.

Write account guidelines- Account guidelines become obsolete with the rapid changes in markets. It is preferable to have more and explicit guidelines. An investment management professional is responsible for bringing guideline issues in the notice of investor before any problem arises.

Monitoring the managers-An investment manager is not only concerned with managing financial assets. He must have broad vision. Many consultants report merely on bonds, shares and stocks while some focuses on real estate, advising and investment. An investment consultant must present full picture of opportunities for investors.

Conducting search-Whatever searches are required, consultant should be able to handle them all. Consultant must indulge in searches whenever required to ensure careful investment management process. You should expect your consultant to go into the depth of the issues and explore the new dimensions.

Team work- Investment management is not confined to only one department. It is imperative to expect your consultant to work in collaboration of other service providers as well. This is about relationship of both temperament and familiarity with other areas of professional competencies.

If your investment consultant is not providing you with all these services then you need to reconsider your manager.

Top 7 Investment and Finance Blogs in Singapore

noreply@blogger.com (lowcheck kian) — Sun, 21 Dec 2014 12:47:00 +0000

This is fact that cash can make life comfortable and also creates optimism about the future. In Singapore, there are plenty of fantastic financial advisors available. Many successful investors and finance advisors publish their growing knowledge on internet. What can be best than achieving knowledge from those who are actively growing and gaining their financial goals? Here I have listed some top financial and investment blogs in Singapore that I read for general interest and also suggest interested people to read them for valuable insights in the world of investing and money.

The Finance

This renowned site provides opportunities to finance and investment bloggers to share their views and make a vibrant community of like minded people. This blog mainly focuses on shares, property and business. All information shared on this blog is leveled at adept and experienced people belonging to trade, investment and business.

Money Smart

This is an honest and well laid out platform for the people suffering from financial problems. This is the fascinating blog that particularly emphasizes on prudent financial decisions and low cost living. Different financial aspects of day to day life including parenting, holidays and a lot more are covered by a wide range of both Singaporean as well as Ex-Pats writers of this site. This blog also highlights those tough financial problems which are often neglected by even well known financial blogs.

Value Investhink

This blog has established itself as one of Singapore’s leading investment and financial blogs in recent years. This blog lays great stress on critical thinking as the title suggests. This site may offer valuable insights into investment fundamentals and offers variety of posts for serious long term investors.

SG Wealth Builder

In-depth information about investing and finance is available on this blog. Started in 2010, this one man blog is regularly updated with new and insight posts covering the aspects related to wealth accumulation, investment and most interesting money making. It is regarded as old guard of Singapore’s financial blogs. Make sure to check this one out.

Financial Freedom

This financial blog looks at the journey of a person towards his financial freedom. By reading this blog, you can judge the ups and downs come along his way in reaching to his goal. This blog comprises a lot for the assistance of general consumers. From credit cards to wedding cost and property investment, this blog provides beneficial tips to readers.

Singaporean Stock Investor

The author of this blog feels pleasure to share about his financial position and decisions he makes in investment. With the main purpose on the theme of financial freedom, this blog is for all whether you are a conscientious beginner or experienced investor.

Dividend Warrior

This is well written site by financial experts who sparks new ideas for financially ambitious. This one is for most experienced investors as this blog focuses on less work but a lot of wealth. In-depth information on this site can be very useful for you.

If you are ready to set out on your journey towards financial freedom, just have a look on abovementioned top financial and investment blogs that have been creating insights and providing useful information with valuable tips for strengthening your financial position in Singapore. You will not go wrong following the recommendations and advice of successful financial advisors.

Low Check Kian

noreply@blogger.com (lowcheck kian) — Sat, 29 Nov 2014 10:55:00 +0000

Low Check Kian , one of the popular personalities born in Singapore. Mr. Low Check Kian is presently working as a sovereign Non-Executive Director at Singapore Telecommunications Ltd. Well, Singapore Telecommunications Ltd is a Singapore based company offering a variety of services, including securities and exchanging. No doubt, Mr. Kian is the real piece of this organization. He has devotedly served Singapore Telecommunications Ltd since May 9, 2011. In short, he is considered as one of the expert, master and dedicated individuals all over the world. He is additionally the Senior Vice President of the Executive Management Committee of Merrill Lynch and Co.

Educational Background

Low Check Kian completed his Bachelor’s degree in 1983 from The London School of Economics and Political Science. Afterwards, in 1984, he did masters from the same institution. Undoubtedly, he was a brilliant student with encouraging and motivational attitude. Things do not end here; he also achieved much more due to his struggling nature.

Awards and Certifications

Mr. Kian remained Founder and Chairman at NewSmith Capital Partners LLP from 2000 to 2011. He is also the Director and Chairman of Nominating Committee and Member of Enterprise Risk Management Committee at Neptune Orient Lines Limited. Low Check Kian served at Singapore Exchange Limited as well as the Chairman of Nominating Committee and Member of Remuneration Committee in from 2005 to 2012. . He was just like the backbone of Singapore Exchange.

Currently, he is working as a Non-Executive Non-Independent Director, Member of Employee Share Option Scheme and Member of Nominating Committee at Fibrechem Technologies Limited from 2011. Previously, he served the Merrill Lynch and Co. as a Senior Vice President and the Member of the Executive Management Committee. It will not wrong to say that Mr. Kian is a man of devotion and passion.