Category Archives: Finance & Insurance

An Overview of Licensed Money Lenders

Licensed moneylenders play critical role of helping individuals with instant cash loans to settle unpaid bills and other financial needs. Apart from offering quick cash loans to borrowers, they have very competitive interest rates. Though you may be in need of instant cash, it is highly recommended that you select the best lender available on the market. Therefore, when searching for a licensed money lender Singapore, it is advisable to conduct thorough research to enable you choose a reliable company.

Factors to Consider when Searching for a Lender


Credit: Power Credit

Reputation of the company you have selected. It is very important to consider how reliable and reputable the lender is. Remember, your aim is to obtain quick cash within a very short time. Lenders who delay processing your loan after submitted your application is not reliable and should be avoided. A reliable lender should approve your loan within the time they agreed with you before you submitted the application.

The experience of the lender is another aspect to consider. Well-established firms are recognized for providing quality and excellent services. An experienced licensed moneylender understands the market and the clients extremely well, hence the ability to provide top rated services. Therefore, when searching for a lender, it is crucial to know how long it has operated, since it would determine how you will be served.

Professionalism of the lender will also determine the quality of service to be offered. Firms that provide professional services have capability to satisfy their clients. It is important to note that professional lenders have tailor-made products and services designed to cater for individual needs of their clients. Furthermore, the objective of professionals is to provide reliable and effective services to their clients according to their needs.

The lender you choose must be licensed and registered by various government organs that regulate their operations. This is the only way you can be assured of dealing with a genuine lender. It is mandatory for every lender to be licensed and display the certificate where every customer can see it when they enter the office.

There should be clear understanding between the lender and the borrower. As such, the lender will understand the needs of the clients, and this will lead to a perfect cooperation aimed at achieving common goals. Therefore, as you embark on a mission to search for a licensed money lender, make sure you have selected a reliable and effective provider available on the market.

Learn All About Private Equity and Making Investments with Private Equity Firms

Private equity is the type of finance provided to companies in return for an equity stake in the same companies. Most of such companies show the potential of growing at a faster rate, but they are not yet listed on the stock market. Instead of the companies going to the stock market to sell their shares for capital, the companies seek other methods of raising capital. Common sources for funding include pension funds, endowments, the insurance companies and rich individuals.

The private equity investment singapore  is when the individuals and firms decide to invest in such high growing companies. The funds got from the investors and their personal coffers are used in building the company and growing its effect on the market.

The application of private equity investment will depend on the rules and regulations of a country. Like in Europe, private equity is treated as the entire range of the investment sector, which includes the management of buy-ins and buyouts together with the venture capital. However, in the US, private equity and venture capital are treated as different entities and investments. They are both still seen as the mainstream source of funding for a business.

The private equity firms expect that the investment is a long-term thing. Most of the time the investment can last for over 5 years before an investor decides to pull out. This type of commitment is what can make it easy for the business to become sustainable. For a period of 5 years, it can be easy to know if the business can keep on yielding good returns or it is time to pull out.

How to Invest in Private Equity

Before you can commit yourself to invest in private equity, you have to know more about the business first. Here are some factors to consider.

  • The past returns of the business. The business has to show that it can deliver more returns in the near future based on its past performance.
  • The minimum investment requirement is what determines how many people will invest. Just invest enough money that cannot be too much to lose just in case the investment does not yield as much as you like.
  • The current management of the firm. You have to be sure that your money is in the right hands. Some managers can triple your money in a short time while others can easily waste it all. Do some research on the managers of the private equity firm before committing to doing business with them.

Life Insurance: Everyone need it

It doesn’t matter about your age, or what sort of lifestyle you have, everybody can benefit from getting the protection provided by life Insurance.

Life gives us challenges. Generally, we tend to face these challenges head-on as they appear. However, one thing is for sure – nobody can predict what’s around the corner. In case you were to unexpectedly die and became unable to cover your family expenses, how would they deal with the extra burden of financial needs?

Whether you are young and don’t have a family yet, or enjoying retirement, getting the security of life insurance ensures that your beloved ones won’t face financial issues when you die.

In case you are ready to obtain a life insurance quote, you can choose options for all ages, ranging from 18-80 years old. You can click through the simple insurance form online and compare 20 year life insurance quotes. You will be asked if you want the insurance policy to cover death only, critical illnesses only, or both. You can also select level term life insurance – in which the cover amount is set for the policy term – or decreasing term, in which the cover amount declines over time with the repayment mortgage.

There is a life insurance calculator for helping you decide on how much cover you will need. You will be asked about the duration of the insurance policy, about your basic personal information, as well as whether you smoke. If you find any trouble, you can try looking for the solution at the FAQs page.

You can also go for over 50s lifelong protection that comes with guaranteed approval for individuals who are 50-80 years old. You won’t have to undergo a medical test – just enter your basic personal information, pick the monthly premium you will pay, and simply click to obtain your quotes.

You can also find in-depth information on some products like whole of life insurance, term insurance, funeral cover critical illness cover, as well as payment protection, with direction on whether you require a policy, if labor benefits are enough, how much cover you require, exclusions, the way that quotes are estimated, how you can maintain the cheap costs and how health problems affect premiums.