TSL Designs.com Blog

The Employees Provident Fund (EPF) declared a dividend rate of 6.15 percent for the financial year ended Dec 31, 2012. The dividend rate, an increase of 15 basis points over the 6 percent rate paid out in 2011, translates to a record breaking total of RM27.45bil being distributed to its members, an increase of 12.2 [...]

To me, the internet is my cash cow generating income for me every week, if not every day! It is the golden goose that lays the golden eggs and I just need to collect the golden eggs. So, never slaughter the goose. As long as I have my internet connectivity, I can make money online [...]

I have owned an HDB flat in Commonwealth Drive in Singapore and shared the flat with my younger sister. At that time, I needed a place to stay instead of renting and decided to check out the best mortgage rates for my home. As a condition to own an HDB flat in Singapore, you need [...]

No matter how much you earn, to be really rich is to spend less than you earn each month. This is basic financial principal. As long as you can save some money, say 10% of your income every month, you will become rich when you retire eventually. Many financial experts keep writing in their books [...]

With the gloomy USA economic woes and spiralling Eurozone debt crisis, many people are in debt and out of job. They are unemployed and this makes matters worse if they have a family to support like aged dependants and children to feed. So it might be a reprieve to be able to get your hands [...]

Cryogenic means related to very low temperatures. So cyrogenic storage are equipment to store liquefied gas like liquid oxygen or nitrogen, et cetera with low temperatures. All cryogenic liquids produce large volumes of gas when they vaporize. Most cryogenic liquids are odorless, colorless and tasteless when vaporized into the gaseous state. Also most cryogenic liquids [...]

Making money on the internet certainly requires some effort and luck. Your computer is your cash cow for you to milk from the internet with broadband connectivity. You have to be resourceful by scouring through the thousands of web sites to find the select few that pays regularly for some work done in a timely [...]

There is a 50% possibility that America may face the second round of recession next year and it is going to be worse than the first time recently. There will be no more bail out money or Government interception to buy Treasury bonds and help spur the economy to pre-recession times. Many of the Americans [...]

Gold is a good hedge against inflation. Using the rule of 72, if the inflation rate is 6% per annum, then it takes 72 divided by 6 equal 12 years for your money to become half its value. Inflation will decrease the value of paper money over time and this is scary. That is why [...]

Today, HSBC (Hong Kong and Shanghai Bank) axed 30 thousand jobs all over Europe and America. HSBC is Europe’s largest bank. Though they make profit in the first quarter of this year, the reason they are shedding thousands of jobs is to streamline their business and get out from countries that are not making much [...]

Working for other people has frequently been a struggle for me. It is not easy to work for others and I know I am not alone in this venture. Many of my family friends have kids who could not hold on to their jobs beyond the probation period. I know of my mother’s church friend’s [...]

You need to have a few sources of income and not just rely on your main job to feed your family and put bread on the table. It is good to be able to maintain your main job as not everyone is blessed enough to work beyond the probation period. I know of many ex-colleagues [...]

Chinese New Year is coming and falls on 3rd February 2011. I was at the bank recently and it was so crowded with people waiting and they were seated patiently for their queue number to be flashed on the screen. I was there to add my mother’s name to my fixed deposit certificates for the [...]

Now there are so many sites offering instant payday loans for your Christmas shopping this year. I think I have over spent this time but most of the money will go to my life insurance policy as part of my retirement plan. So in effect, it is like paying myself which is a form of [...]