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text 2017-12-19 07:37
Get ultimate service from the best SEO agency Singapore

Do you find that your website has failed to provide the desired profit out of it? Well, you might have seen that there are no traffics that have led to poor visibility of your site. Well, this needs the right help of SEO experts that can help in making it possible to get organic traffics. BThrust Pte Ltd aims to make your website rank on the top position of the search engines that in turn helps to gain good result out of it. With the help of the best SEO agency Singapore, you can find that we have made it possible to bring back your confidence by optimizing your site for better ranking.



We make the proper analysis of your website so that it becomes possible for you to achieve good result meeting your needs. If you approach us for the better visibility of your site, then we would make our perfect effort to provide ultimate result. Our services, being cost effective, also help in saving your time and money. Therefore you can really anticipate in enjoying good and fast result from your website that would make you earn good business with new clients.


At BThrust Pte Ltd, we also provide automatic report mailing tools where we keep you updated on their site position. This helps in getting the right idea about it where you would never have to stay ignorant. By viewing the data metrics, it becomes possible for you in getting the comparison done with your previous SEO rankings or campaigns. So, by choosing our useful services, you can truly expect the best ranking and visibility of your site. You would be highly benefited by approaching our perfect SEO company in Singapore that would lead to find the ultimate result. So, you can make the right attempt to select our extensive services for best result.

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text 2017-12-04 07:42
Advanced And Trusted Services In Accounting And Bookkeeping And In Providing Secretary For The Corporate Sector In Singapore

The city of Singapore with various companies and MNC’s besides the tourism sector requires various services to fulfil their requirements and in running their business smoothly. Our company which is very much recognized and also one of the most renowned in the city of Singapore deals in the most advance and reliable services and our services in providing corporate secretary Singapore is in very high demand. We having much experience and being in the market for many decades have successfully gained the trust of many of our clients and most our clients are very much satisfied with our most unique and extraordinary services in the market of Singapore. Besides that our services are very much affordable and we also offer various discounted packages and offers which are the best in the market of Singapore. All our service details are provided at our website and we are also available over the phone and our representatives are very much prompt in visiting the clients personally and help them with all their requirements within the stipulated time frame.



We believe in delivering the best quality and professional services in the market and it we also believe greatly that the clients satisfaction is our satisfaction. Besides dealing in various other services we also specialize in the most unique and extraordinary accounting and bookkeeping services Singapore. We provide and facilitate our clients with the best solutions and the highest quality services. We give much importance to the services related to the accounts and maintaining the records since these are very much the core of any business institution and we do not compromise with the quality of our services. Besides that we are also very highly recommended by all our clients in the market of Singapore.

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text 2017-04-03 07:12
Wallace Associates - Effektive steuerliche Planung und Vorbereitung im Laufe der Jahre

Die meisten von uns kennen den Stress beteiligt bei der Planung und Vorbereitung von steuerlichen Unterlagen und wir verstehen, dass Steuern bereits ein Teil des Lebens. Verzweiflung ist manchmal das Ergebnis die lästige Aufgabe der Ermittlung der Bemessungsgrundlage und Entrichtung der Steuer selbst, die für mehrere Wochen, Monate oder sogar ein Jahr dauern könnte.


Froh, dass wir Experten auf diesem Gebiet, die uns die Arbeit erleichtern mit ihrer notwendige Beratung und Service helfen könnte. Wenn Sie derzeit eine harte Zeit zu diesem Thema haben, es gibt keinen Schaden in Rücksprache mit Wallace Associates, Recht? Die Firma bieten entsprechende Lösungen basierend auf ihren Bericht über Ihr Unternehmen. Sie sind bekannt dafür, dass eine langjährige Erfahrung und zuverlässige Funktion.


Die abrechnungstechnische und buchhalterische Dienstleistungen von Wallace Associates sind immer mit positiven Bewertungen von ihren Kunden, absolut kein Betrug gegeben. Für jede Art von persönlichen oder geschäftlichen Vorhaben ist die Firma in der Lage, alle Arten von vollständige steuerliche Planung und Vorbereitung.


Wahrscheinlich sah dies schon oft schon, aber es ist wirklich wichtig zu planen und Ihre steuerlichen Pflichten im Voraus vorzubereiten. Sie erhalten Einsparungen sowie geringere gegenwärtigen und zukünftigen Steuerzahlungen mit einer maßgeschneiderten Business-Strategie. Steuerexperte mit ein umfangreiches Wissen über diese ist notwendig, um Sie Bereiche, wo Sie dies wirklich tun können.


Mit ihrem hochspezialisierten Know-how verbringt die Firma genug Zeit bei der Vorbereitung und Auseinandersetzung mit der Vorbereitung der steuerlichen Unterlagen ihrer Kunden zu tun. Wallace Associates begrüßt jede Art von Kunden, sei es ein Konzern, Partnerschaft, Einzelperson, oder ein Landgut, Vertrauen oder Non-Profit-Organisation. Zeugnisse von ihren Kunden auch, dass die Firma spezialisiert hat Forschung Techniken sowie Programme zugeschnitten auf die Bedürfnisse seiner Kunden, minimale Steuerschulden zu erreichen.


Ohne Zweifel ist Wallace Associates für Ihren Finanzierungsbedarf gedacht

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text 2016-12-10 17:21
40 Money Management Tips from Professionals

When it comes to making financial decisions and managing your money, who do you ask for tips or advice? We think it’s always a good idea to consult with experts, and that’s how we pulled together these bits of financial wisdom. Here are 40 money management tips from experts that you can apply to your own trading, investing, saving, and financial planning:


  1. For each investment you make, you really, really have to understand the risks that you're taking. Don't outsource that task to your financial advisor…. If you're not willing to do that work, you should just keep your money safely in a bank.”


Greg Collett

Formerly COO of Deutsche Bank's commodity ETF business, currently a lawyer representing defrauded investors.


  1. You must walk to the beat of a different drummer. The same beat that the wealthy hear. If the beat sounds normal, evacuate the dance floor immediately! The goal is to not be normal, because as my radio listeners know, normal is broke.”


Dave Ramsey

Host of the "Dave Ramsey Show" and author of "The Total Money Makeover"


  1. Cut your losses short.The ‘it'll come back’ mentality is dangerous. One great way to do this is through the use of stop loss orders. Don't fear them. Use them. They are your best friend.”

Blain Reinkensmeyer

Principal at Reink Media Group, hobby investor, and full-time webpreneur. He is responsible for all equity broker reviews and business development on StockBrokers.com


  1. “Be patient and wait for the high probability/low risk trades. They are out there. Be like a predator/lion waiting in the brush and then pounce. You'll eat for a week.”


Dan Sugar

Instructor at Online Trading Academy


  1. I will tell you how to become rich. Close the doors. Be fearful when others are greedy. Be greedy when others are fearful.”


Warren Buffett

American business magnate, investor, and philanthropist. Widely considered the most successful investor of the 20th century


  1. A common mistake people are making in retirement planning is failing to diversify their investment strategy from a concentrated stock position.There is no reason why you can't diversify your risk when it comes to the stock market.”


Clark Kendall

CFA, CFP®, AEP, President and Founder of Kendall Capital Management


  1. “No one ever achieved financial security by being weak and scared. Confidence is contagious; it will bring more into your life.”


Suze Orman

American author, financial advisor, motivational speaker, and television host


  1. Check your credit report for errors!One simple mistake can cost you money. If you are not looking at your credit report to protect it against errors, who is? 15 minutes, twice a year is easy for anyone.”


Jeanne Kelly

Credit Coach.


  1. Wall St. is playing games with your money.Many investors do not know it is a game or know the rules! The first rule of trading is to know you are in a game.”


John O'Donnell

Chief Knowledge Officer, Online Trading Academy


  1. Frugality isn’t about cutting your spending on everything.That approach wouldn't last two days. Frugality, quite simply, is about choosing the things you love enough to spend extravagantly on—and then cutting costs mercilessly on the things you don't love.”


Ramit Sethi

Author of I Will Teach You To Be Rich


  1. Comparison shop when it comes to choosing a primary financial institution. It's a very basic concept, but one that many people fail to grasp. The big banks are often the default choice, yet smaller and institutions like community banks and credit unions are considerably overlooked.”


John Gower

Analyst for NerdWallet, a personal finance website


  1. An investment in knowledge pays the best interest.


Benjamin Franklin

One of the Founding Fathers of the United States. Author, politician, scientist


  1. Professionals look at a trade and ask ‘what is my risk?’ first. Novices ask ‘what can I make on this trade?’ first and don't understand the risks.”


Chris Muldoon

Instructor at Online Trading Academy


  1. You don't have to start big...small steps over a lifetime really add up. Start funding your emergency fund with $10 a month, start investing with $50 a month. It is more important to get going than to wait for the big amounts of cash!”


Andrea Travillian

Personal finance expert specializing in money management basics and beginner investing.


  1. In investing, what is comfortable is rarely profitable.


Robert Arnott

American entrepreneur, investor, editor and writer


  1. Individual traders must manage their trading just like a business. In other words - keep expenses low, focus on improving profit margins, develop several streams of income, and build large cash reserves.”


Charles Kirk

Full-time, independent trader, creator of The Kirk Report


  1. Warren Buffet said: ‘When you combine ignorance and leverage, you get some pretty interesting results.’ We have seen this statement become fact in the last 7 years. However, leverage used correctly when investing in real estate can create long term wealth and great ROI.”


Diana Hill

Instructor at Online Trading Academy - OTA Real Estate


  1. Live under your means. Know exactly what you earn each month and spend less. That's a step beyond living within your means. Take responsibility and choose where your money goes, instead of being influenced by whims, advertising, habits or peer pressure.”

Kevin Gallegos

National consumer finance expert, vice president of Freedom Financial Network


  1. The individual investor should act consistently as an investor and not as a speculator.


Ben Graham

Economist and professional investor. Graham is considered the first proponent of value investing


  1. One of the biggest mistakes I see people making is investing based on emotion rather than a disciplined, systematic process. In particular, I think people need a disciplined plan for risk management as mitigating large draw-downs in your investment portfolio has the potential to add more value over time than maximizing every ounce of upside in the bull markets.”


David Houle

Co-Founder and Portfolio Manager at Season Investments


  1. Know you want it, then wait for wholesale!


Joann Farley

Instructor at Online Trading Academy


  1. My top tip for traders is to look at each of their trading positions each day as if they didn't have it and ask themselves if they would open it. If the answer is "no", then the position is no longer justified, and therefore should be closed. This simple mechanism allows traders to trick their biggest enemy (emotionality in trading) and stay objective.”


Przemyslaw Radomski

Chartered financial analyst and owner/editor-in-chief of Sunshine Profits, website dedicated to gold and silver investments


  1. Everyone has the brainpower to follow the stock market. If you made it through fifth-grade math, you can do it.”


Peter Lynch

American businessman and stock investor, research consultant at Fidelity Investments


  1. The most impactful approach to money management is spending less than you owe… By establishing a structured spending plan, which accounts for all expenses, you can focus on eliminating unnecessary expenses and commit your disposable income to building wealth.”


Thom Fox

Community Outreach Director at Cambridge Credit Counseling Corp


  1. Saving at least $1,000 in emergency savings should be a non-negotiable part of your overall money management plan. This holds true regardless of any existing debt you're trying to pay down. Why? Because should an unforeseen financial crisis hit your front door, without a savings safety net, you’ll only fall deeper into debt; preparedness means everything when it comes to financial success.”


Jennifer Calonia

Editor for GoBankingRates.com, an online personal finance resource


  1. Invest in yourself. Your career is the engine of your wealth.”


Paul Clitheroe

Australian television presenter, financial analyst and financial advisor


  1. Wealth building is simple and can be fully explained in just one sentence: Spend less than you earn and invest the difference wisely. If you get that right you will be wealthy. Everything else is just details.”


Todd Tresidder

Money Coach at FinancialMentor.com


  1. People should take every opportunity they can to save money because it really adds up, and the best way I know to do that is to make your savings automatic.


David Bach

American financial author, TV personality, founder of FinishRich.com


  1. Never enter into a trade or investment without having a thorough plan first. If you fail to plan, you plan to fail! That is the best money tip I can give you.”


Merlin Rothfeld

Instructor and Host of Power Trading Radio, Online Trading Academy


  1. Run your household like a business and manage your finances like a bank! The lack of money is not our problem it's the mismanagement of life holding us back from maximizing our earning potential.”


Mark A. Wingo

Author of Wingonomics, Creator of Get Your PhD in Wingonomics and President and CEO of New Beginning Financial Group, LLC


  1. Success is not in the quality of the winning trade but in the quality of the losing trade.


Mike Mc Mahon

Instructor at Online Trading Academy


  1. To have a successful and secure financial future, it is important to adopt the mindset of saving before spending. If you set aside funds for the future each pay cycle, you are sure to have plenty of money in your retirement account and any other long-terms savings account.”


Gyutae Park

Co-owner of Money Crashers Personal Finance


  1. When buying shares, ask yourself, would you buy the whole company?


Rene Rivkin

Australian entrepreneur, investor, investment adviser, and stockbroker


  1. Set aside an hour twice a month to update your budget and make sure your accounts are balancing. It's much easier to keep spending under control if you stay on top of things and catch yourself before you are too far over budget.”


Kathryn Garrison

CFP® and senior financial advisor from Moss Adams Wealth Advisors


  1. It's not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for.


Robert Kiyosaki


  1. Trade what you see…not what you think.


Steve Moses

Instructor at Online Trading Academy


  1. Keep it simple, understand what you own and why.


Gary M. Shor

MBA, CFP®, VP Financial and Estate Planning, AEPG® Wealth Strategies


  1. The four most dangerous words in investing are: ‘this time it's different.’”

American-born British stock investor, businessman and philanthropist


Sir John Templeton


  1. Set it and forget it. Manage big planning items (retirement, saving for college, vacation planning, etc.) easily by making them automatic.”


Carla Blair-Gamblian

Loan Consultant and credit expert at Veterans United Home Loans


  1. How you spend your money is how you vote on what exists in the world.”


Vicki Robin

Co-author of Your Money or Your Life and Yourmoneyoryourlife.info

Source: sparkscorporation.edublogs.org/2016/12/10/40-money-management-tips-from-professionals
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text 2016-12-06 01:12
Retirement Planning Tips that Truly Matter



As each New Year begins, we see a deluge of effective recommendations on how to improve financial planning.


If there is anything worth mentioning in the past two decades that we have been dispensing retirement planning advice to numerous people, it is the fact that those who take a proactive stance have achieved positive results while those who failed to protect themselves with sufficient safeguards encountered disastrous results.


With 2017 here, we focus on a few recommendations we consider essential in coming up with an efficient retirement planning strategy.


Essential Planning Tip #1: A Retirement Plan


Seek the help of a professional financial adviser to create a retirement plan for you.


A retirement plan is essential in charting your course on the right path for a secure retirement future, to avoid scams and put your hard earned money into waste. If you are not a professional financial practitioner, do not do it yourself in order to avoid committing errors or overlooking crucial aspects.


A retirement strategy must incorporate your income sources: Social Security, CSRS or FERS annuity, FERS retirement supplement and others (rental income, military pension, etc.).


You must never take this advice for granted. Do whatever you can to rev up your potential to earn. If you work as a federal employee, determine what you need to do to avail all the benefits to which you are entitled and discuss with a financial expert who can help you maximize your benefits. Having a highly knowledgeable financial adviser, however, may not be sufficient; because a few have given bad advice to federal employees who made wrong decisions that could not be corrected.


One vital step to take involves evaluating your specific income sources and analyzing how each one affects the others, determining how all of them can be made to work in synergy.


Take this case, for instance: In general, retirement planning advisers recommend putting off availing of Social Security benefits until one reaches the full retirement age (FRA) in order to gain a higher pension amount. For those born from 1943 to 1954, the stipulated FRA is 66 and it gradually goes up to 67 for those born in 1960 or after. For those opting to retire earlier, benefits are provided for those individuals who reach 62 and 1 month at a fixed reduced amount which is 75% of the full amount of expected benefit. It is crucial for those wishing to retire early to consider it if they are better off postponing Social Security benefits for a few years and getting bigger withdrawals from their TSP and other savings. This can often be a viable choice; but does not guarantee a positive result at all times. Find out if the withdrawals from your savings will eventually eat up your savings in just a short time; in which case, you might need to avail of your Social Security benefit earlier to secure your savings. This is why you have to assess all aspects of your plan.


Compute accurately what your expected net monthly income goal will be. This involves determining your actual expenses, like your taxes, insurance, utilities, car payments, etc.


At this stage, ponder what you plan to do when you reach retirement age: visiting places, learning to play music, dining, sailing, cooking, gardening, playing golf and others. Make sure you attach a figure to each activity so you will know what your expenses will be.


A good retirement plan will tell you if you are on track to support your targeted goals. You can adjust your savings target accordingly, especially if you have to contribute more to TSP or other savings plan to reach that target.


Cost of Living Allowance (COLA) must be part of a retirement plan to maintain your buying capacity in the future. As a married individual, you will also have to consider the survivor needs of your spouse which is a vital aspect of the plan. In case of the death of one of the spouses, the survivor might lose not just a part of the of the Social Security benefits received but basically half of the deceased spouse’s pension or federal retirement annuity, as it may apply.


An effective retirement plan has several components; and when everything is in place, you will easily recognize lapses or realize when you must adjust your plan along the way. A yearly evaluation of your plan is recommended in order to assess your progress and to make necessary changes according to your goals and needs.


The biggest mistake most people make, especially the young, is to procrastinate planning for one’s retirement. They feel that working with a financial advisor requires a big investment which they cannot afford and that doing it early enough is a waste of opportunity.


Initially, a lot of financial advisors offer a no-obligation consultation to find out what your financial situation and needs are. After that, they can quote a price for making a retirement plan for you. In fact, many people talk to several financial advisors before deciding who to work with in the end.


Planning for the future has no fixed-age requirement before you must do it. We can say that the earliest bird catches the biggest worm. With people having different needs, knowing you are on target as to your own goals can provide lasting peace and satisfaction.


Essential Planning Tip #2: Prepare a long-term healthcare plan


Provide for your and your family’s healthcare needs, especially for long-term medical care.


Even if you have a sound plan for your retirement years with a secure retirement income target in place may not be sufficient. Considering enhanced healthcare nowadays and the improved life expectancy among Americans, it is also a vital need to prepare for a more comfortable senior-year life through having a long-term healthcare plan.


LTC or Long-term care is a valuable protection for those who need care due to such conditions as physical injury, chronic illness, frailty or cognitive impairment. In general, the care provided is custodial care, not rehabilitative or intensive care. Based on the Department of Health and Human Services studies, 7 out of 10 people who reach 65 will require some kind of LTC. Depending on certain conditions, the care will vary in terms of cost based on the kind and length of care required, the care provider and the location of residence.


How do you pay for a long-term care need?


First is by the traditional LTC policy which is available through the Federal Government’s tie-up with John Hancock. An individual chooses the amount of daily benefit needed, the benefit duration and the inflation coverage. Perhaps, this is the least expensive way to acquire a LTC plan; nevertheless, the two main disadvantages pointed out are: (1) No guarantee on the premium given and rates have increased a few times. The most recent rate increase was in 2016 at 83% on the average, although beneficiaries’ premiums doubled. (2) In case you will not require a LTC, the insurer will not return all your premiums.


The Hybrid Life/LTC policy offers an option that has been attracting many individuals. In essence, the policy is a Universal Life insurance coverage which provides a chronic-care clause. Many of the providers channel 2% of the death benefit toward long-term care needs. For instance, if your plan stipulates a death benefit of $500,000 and you need LTC, you will receive a benefit of $10,000 monthly for LTC. In case you will not need LTC, your beneficiaries will receive $500,000 upon your death.


For those who have neglected the task of preparing sufficiently, self-insuring is the only choice. The rich, on the other hand, can opt for self-insurance without affecting their finances. Read this Forbes article: Can You Self-Insure for Long-Term Care?


An alternative plan is to buy into a Continuing Care Retirement Community (CCRCs) which provide different services in the locality as well as enhanced quality of care according to the changing needs. Nevertheless, CCRC’s charge high entrance fees and monthly charges, ranging from $100,000 to $1 million entrance fees and from $3,000 to $5,000 monthly changes which may increase with time.


You final choice is to avail of Medicaid. To qualify, you should have limited income and resources which may require spending down majority of your assets. Likewise, Medicaid might not satisfy some costs of your longā€term care needs; hence, preventing you from getting the quality of life you aim for.


Long-Term Care Requirements will Impact Family Relationships


Planning for long-term care will not only affect a family’s financial resources but also cause emotional and physical stress for family members who must assist overworked caregivers. With children in the picture as well, an individual may have to set his or her life on hold. Hence, not only is the caregiver affected but also the spouse and the children. When care is not equally shared among members, conflicts and squabbles may arise, sometimes even leading to estrangement. In short, LTC may have the potential to shatter families.


Essential Planning Tip #3: Avoid Splurging Your Money in Retirement


Many get into the trap of splurging away their money once they retire.


Having a sound budget in retirement helps prevent a person to commit the worst mistake ever – spending too much money too soon.


Overspending is a kiss of death for retirees. Prepare a list all of your monthly, quarterly or annual needs and divide into two classes: (1) Needs – such as food, rental or mortgage, transportation and healthcare. Account for any increase in healthcare cost. (2) Wants – such as hobbies, travel, sports and social affiliations.


For those who have been used to exorbitant payments for car and house obligations, changing your lifestyle may be only the solution. The key is to accept the realities of retirement life and then resolve to reduce your fixed expenses to free more funds for the things you truly enjoy.


Avoid the temptation to unnecessarily support the needs and wants of grown-up children and grandchildren. This happens so often to so many people in retirement.


Take the case of a lady who had taken a pension buyout from a private company. With her sizeable IRA, she felt she could adequately provide for her children. Thus, she overspent on her daughter’s wedding and kept saving her son from his financial straits. In short, before realizing it, she had spent too much too soon. Although we all feel we need to go out on a limb to help out our children, we should do so without endangering our own essential needs. Rarely, if ever, are there second chances in retirement.

Source: sparkscorporation.weebly.com/blog/retirement-planning-tips-that-truly-matter
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