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Investing Review: What Should You Invest In?

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Investing Review: What Should You Invest In?

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Stocks, bonds, bank accounts or IRAs? How do you choose?

With several types of investments to choose from and also thousands of sub-categories under them, finding the most suitable investment choice can be a daunting task.

First off, the main consideration in any long-term investing decision is the rate of return expected from it. At times though, investing in short-term investment can enhance your wealth even if the returns are not as high as you want them to be. You can select from among these common short-term savings vehicles:

Short-term savings vehicles

Bank savings account: The most resorted to savings medium availed of by people, which provides small returns but better than keeping your money at home where it could be stolen or spent easily.

Our company is partial to stocks as investment vehicles over the rest of the long-term choices since stocks have statistically provided the best rate of return in an investment. The most common long-term investing vehicles are as follows:

Long-term investing vehicles

Bonds: There are various forms of bonds. Also known as "fixed-income" securities, bonds generate a “fixed” or set income value each year when it is sold.

Stocks: Stocks allow an individual to own a portion of a company or business. A single stock share represents an investor’s proportional stake or share of ownership in a business.

Mutual funds: Mutual funds are vehicles which allow investors to combine their money to buy bonds, stocks,  or any vehicle the fund manager considers viable.

Retirement plans

Several special plans are intended to build retirement savings; and many of these plans permit an individual to transfer money directly from his or her paycheck prior to taxes. In support for this plan, companies sometimes match the amount transferred, or even a small portion of that amount, as their goodwill contribution to their employees’ future.

Individual retirement account (IRA): This type of plan lets you invest some money into a tax-deferred retirement fund – which means you will not be taxed unless withdrawals are made or before the fund matures.

Roth IRA: Unlike the previous IRA plan, this type of retirement account requires no tax payments up-front on contribution. Rather, it provides full exclusion from federal taxes when cash is withdrawn to purchase a first home or pay for retirement.

401(k): Employers provide this retirement savings vehicle, whose name is taken from the section of the Internal Revenue Code which allows it.

403(b): This is the nonprofit version of a 401(k) plan. Local and state governments also provide a 457 plan.

Keogh: A specialized form of IRA that serves simultaneously as a pension plan for a self-employed individual, who has the capacity to pay substantially higher contributions permitted for an IRA.

Simplified Employee Pension (SEP) plan: This is a special type of Keogh-individual retirement plan designed to allow small businesses to provide retirement plans (for their employees) that are slightly easier to manage compared to conventional pension plans. Either the employer or the employees can participate in a SEP.

Investing in stocks

Stocks deserve a closer look as they have been known in the past to offer higher returns compared to bonds and other vehicles. As mentioned, the investor becomes a part-owner of a company.

Common stock

The most common type of stock is, as expected, the common stock. The common stock provides an ideal vehicle for most individuals, since anyone can participate – whether you are young, old, discriminating or easy-go-lucky. There is practically no restriction imposed against anyone who wants to buy a common stock.

Different types of stock

Sometimes, companies can opt to focus the voting privilege of a company to cover only a particular type of stock, limiting the majority of shares to only a select group of investors. As an example, a family business seeking to raise capital by selling equity might create a second type of a stock which they already control and has, for instance, 10 votes for each share, while they release to others another type of stock that allows only a single vote per share.

What happens from now on?

That is about all you need to know for now about the fundamental classes of investment options available to you. You can start impressing some of your friends and relatives about your newfound knowledge on stocks. Use the basic terminology as well as the essential principles of becoming a shareholder of a company to tell them how they can also join in the experience of investing. Most of all, tell them of the potential rewards you and they can expect from buying stocks while reminding them of the greater risks they will encounter compared to merely keeping their money in a bank. In the end, what you will decide to do with your new knowledge will be up to you.

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Investing Review - What Should You Invest In

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Careconnect Health Insurance Group Review: Hay Fever by the Numbers

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Careconnect Health Insurance Group Review: Hay Fever by the Numbers

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Ah, spring! Warm breezes, chirping birds, blooming trees – and sniffling, congestion and all-around misery. Spring allergies, AKA hay fever, AKA allergic rhinitis, can last for weeks or even months, says Sherry Farzan, MD, an allergist at Long Island Jewish Medical Center and North Shore University Hospital. But paying attention to a few critical numbers may help you find a little relief.

2 weeks

If you experience symptoms like sneezing, runny nose, and red, watery eyes for more than two weeks, it’s a good bet you have allergies, not a cold -- see your doctor. (On the other hand, a fever suggests that a cold is to blame.)

20 million

In the United States, nearly 20 million adults and more than 6 million children have hay fever. If you suffer in the springtime, you’re probably sensitive to pollen or mold spores. An allergist can do a skin or blood test to identify your individual triggers.

5 degrees

This past winter broke records in the United States, with temperatures averaging nearly 5 degrees above the 20th-century average. Warmer winters mean earlier, longer and more severe allergy seasons, experts say.

5 to 10 a.m.

Pollen levels are usually highest between 5 a.m. and 10 a.m., so try to stay indoors during those hours, with the windows closed. If you have to go out, wear a hat and sunglasses to shield yourself from pollen, Farzan says.

3 to 4 days

An over-the-counter nasal decongestant can relieve stuffiness in a pinch, but if you use it for more than three or four days in a row, it can cause a rebound effect that makes your nose even more congested. If you need longer-term relief, an allergist can prescribe you something that won’t backfire.

90 percent

Allergy shots, also called immunotherapy, can reduce symptoms in 90 percent of people with seasonal allergies, Farzan says. You’ll need them weekly at first -- but eventually, once a month will do the trick.

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Careconnect Health Insurance Group Review - Hay Fever by the Numbers

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Careconnect Health Insurance Group Review: The New Rules for Eating Right

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Careconnect Health Insurance Group Review: The New Rules for Eating Right

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Every few years, the federal government comes out with advice about one of the most important things you do every day—eating. The new recommendations came out last month in the form of an update to the official Dietary Guidelines, and they include some big changes that are meant to help Americans make smarter choices about the food they eat in order to lower their risk of obesity and chronic disease.

“People whose diets match these guidelines stay healthier than those whose diets don’t,” says Nancy Copperman, RD, assistant vice president of public health and community partnerships for Northwell Health (formerly North Shore-LIJ Health System). “And as our understanding of nutrition gets more sophisticated, those guidelines get tweaked based on the strongest and most recent science.”

While many of the government’s suggestions will seem familiar (yes, you still have to eat your veggies), you may be surprised by some of the other recommendations in the new guidelines. One of the most important changes: Limit added sugar.

Dietary experts have cautioned for years against eating too much of the sweet stuff, but for the first time they’ve singled out added sugar, meaning sugar that doesn’t occur naturally in whole foods like an apple or glass of milk (although milk doesn’t taste sweet, it naturally contains a sugar called lactose). Americans should consume less than 10 percent of their daily calories from added sugar, say the new guidelines; for someone who eats about 2,000 calories a day, that’s just 200 calories.

“That’s equal to about 12 teaspoons of sugar, total,” says Copperman. “Most of us currently consume about 22 teaspoons a day, so we need to basically cut that in half.” The easiest way to do that is to read labels, she says; choose foods with less than 5 grams of sugar per serving. If the label lists anything over that level, the item probably contains added sugar. “That should make you think twice about whether that snack is really worth it,” Copperman says.

Worry less about cholesterol

Research has shown that cholesterol in food isn’t a major factor in raising the cholesterol level in our body. Instead, the new guidelines suggest limiting saturated fat. How? Try reducing your intake of fatty cuts of meat, and increasing chicken, fish and plant-based proteins like beans and nuts.

Get pickier about protein

Dovetailing with the above, another of the new guidelines says that many of us—specifically, many teen boys and adult men—eat more than the recommended 26 ounces of protein from animal sources per week. The problem is, a body can process only so much protein at a time, says Copperman. Anything it doesn’t use is stored as fat.

And while the guidelines single out guys, Copperman says that most of us (of either gender) can benefit from eating less animal-based protein. “Choosing smaller portions and filling our plates with fruits, vegetables, and whole grains instead is never a bad thing,” she says. “That’s advice that has stood the test of time.”

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Careconnect Health Insurance Group Review - The New Rules for Eating Right

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GAC Group Singapore R&D International Consulting: Innovation News

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GAC Group Singapore R&D International Consulting: Innovation News

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Below, you will find out about opportunities to improve your savings and results and receive a few of our tips to finance your innovation.

We wish you a pleasant reading!

PIC SCHEME

Optimize your PIC claims!

Did you know that companies can combine for YA 2013 to YA 2015 the yearly cap for each qualifying activity at S$ 400k? Companies are allowed to claim up to S$ 1,2M of eligible expenses for each qualifying activity by combining the three Years of Assessment. For example, if you haven’t claimed R&D costs in YA 2013 and YA 2014, you can claim up to S$ 1,2M of R&D costs in YA 2015. Do not miss this opportunity to optimize your savings!

PIC Bonus: get it while you can

The PIC Bonus is a S$ 15,000 dollar-for-dollar matching cash bonus on top of the PIC cash payout and the enhanced tax deduction available for YA 2013 to 2015. The PIC scheme will remain active at least until 2018. It is still time to get the PIC Bonus by optimizing your PIC Claims for YA 2015.

PUBLIC FUNDING IN SINGAPORE

Innovation Capability Voucher (ICV)

ICV is a public financing tool for local SMEs helping them to purchase integrated IT solutions and to get access to consultancy services for innovation, productivity, HR and finance management. Local businesses can get up to S$ 40,000 with 8 different vouchers.

iSprint Funding for Intermediate Packaged Solutions

This funding program initiated by IDA for local SMEs reimburses up to 70% of the buying cost of numerous pre-approved packaged solutions up to S$ 20,000 as well as consultancy and training costs related to packaged solutions such as SaaS, PoS, Accounting Management Systems, etc.

GAC EXPERTISE

Assistance to IRAS technical queries

More and more companies have seen their claims rejected or challenged by IRAS. It requires a specific expertise to claim technical staff salaries and outsourced R&D projects under the PIC scheme. We were expecting an increase of the controls, as it happened in other countries, with similar schemes. Make sure to secure your R&D tax credits by following all regulations and expectations from IRAS to avoid troubles and delays in the process.

R&D Tax Credits

From IRAS perspective, R&D includes the notion of innovation whereas it is excluded in OECD definition. Several countries use the OECD R&D definition for R&D tax credits, such as France, England or Canada. In Singapore, the definition of R&D is broader and therefore, the notion of eligible R&D activity of the PIC is larger than scientific research and is not limited to lab work and PhDs teams. Our consultants are R&D experts with either a MSc or a PhD who successfully claimed R&D projects in different fields such as Software Development, SaaS, Energy, E-commerce, Microsystem, Healthcare, Water, Big Data, Web technologies, etc.

GLOBAL NEWS

Singapore is becoming a global IP hub

The government has been implementing effective tax measures to encourage the anchoring of intellectual property in Singapore for the past few years. By helping companies finance acquisition and registration of Intellectual Property Rights through the PIC scheme, among other initiatives, the objective of the Government is to help Singapore become a global IP hub in Asia.

Top 20 Hottest Startups

Released in the Singapore Business Review, the Singapore's Hottest Startups 2015 awards the most innovative startups in the country. Five of our clients are ranked in this top 20! This shows the strong links between GAC and the technology-oriented startups ecosystem of Singapore. We help innovative companies finance their technical projects by claiming the salaries of their technical teams through the PIC scheme.

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Tyre&Auto Southbourne Group Review: Why do different car parts need regular check-ups?

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Tyre&Auto Southbourne Group Review: Why do different car parts need regular check-ups?

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A proper maintenance and regular check-ups are needed for different car parts to ensure that your car will maintain its best condition and performance. To further explain this thought, Tyre&Auto Southbourne Group provided in the following some important car parts and their distinct roles in a car:

Catalytic converters

The year of 1993 marks the birth of catalytic converters, which have been added in all petrol exhaust systems since then. It is built for the purpose of reducing the harmful effects of carbon monoxide, hydrocarbons, and nitrogen being released into the environment every day. Catalytic converters can convert toxic gases into water vapour and less dangerous gases, thus decreasing the effects of those damaging gases. Catalytic converters also need regular check-ups even if can last for a long period of time to guarantee the good performance of your car.

Brakes

Tyre&Auto Southbourne Group has seasoned brake experts that you can depend on anytime. Getting a cost-effective brake maintenance service is also possible with their company. At least twice a year, you should have the brakes of your car checked to ensure your safety as well as your passengers, and to assure the best performance for average or even beyond average annual mileage cars.

Tyre&Auto Southbourne depots have a wide range of brake systems to choose from for cars and light commercial vehicles. Their customers can also expect free check-ups on their depots, which include a digital measurement of wear on brake pads, discs, drums and shoes, the actual condition of your braking system compiled in a list, and a no-obligation price quote for the works needed to be done.

Tyres

As a car owner, you should already know the great significance of having your tyres replaced at the right time. Aside from keeping the good performance of your car, this could also ensure the safety of all people concerned while you're driving your car. Knowing the proper size and the type of tyres that fits your car is important and having the assistance of Tyre&Auto Southbourne Group on this subject could be an advantage to you. The company can help you decide which suits your car needs better.

There are different factors that can affect the lifespan of tyres, and these include the mileage of a car, the places it has been frequently used, and the driving habits of the owner.

Regular check-ups on the important parts of your car are worthwhile for extending its lifespan. It would be better to acquire the quality service of a car service provider that you can trust, without hassle and avoid fraud such as the Tyre&Auto Southbourne Group to assure the ideal condition of your car. The company also has trustworthy experts that can deliver an excellent service to their customers due to the fact the each of them possesses advanced tools and distinct techniques.

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CRIB Advisors Mentors Singapore: Crib Society

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CRIB Advisors Mentors Singapore: Crib Society

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CRIB SOCIETY is the platform to build networks, inspire and be inspired by fellow entrepreneurs.

We are a community of women and entrepreneurs who support and inspire one another through networking forums and lifestyle events.

We welcome all to join our mission of creating women entrepreneurs, especially existing and aspiring women entrepreneurs.

With thoughtfully curated partnerships and events organized throughout the year, from dialogues with fellow entrepreneurs to forums with prominent and successful industry mentors and venture capitalists, from merchandising opportunities to fundraisers, CRIB Society members have plenty of opportunity to get connected with inspiring personalities, showcase their businesses, and to give back to society.

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New Mothers Support Group Singapore: Who We Are

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New Mothers Support Group Singapore: Who We Are

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Set up nearly 20 years ago, New Mothers Support Group Singapore is the original support group for new mums and mums new to Singapore.  We offer a chance to start friendships and build support through regular socials, walks, wellness groups, parties and seasonal events.  New Mothers Support Group Singapore also offer information on all aspects of parenting under 5s through talks and our newsletters, as well as discounts with local retailers - why not join us?

If you have any questions please drop us an email with your enquiry.

Our Committee

NMSG is a not for profit organization and our committee is made up of mums who kindly volunteer their time to help setup, manage and run our events.

Click here to find out more about our committee members.

From time to time we have vacancies or new roles in our committee, if you are interested in joining our committee then drop us an email.

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Hawkfield
Gallery Fine Arts Consultants: America’s Traditional Artworks

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Hawkfield
Gallery Fine Arts Consultants: America’s Traditional Artworks

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With the rise of technology, an entirely new art forms are evolving. Music is a form of art that is prone to piracy due to the nature of modern digital technology. However, traditional artworks such as paintings and sculptures are one thing that cannot be easily forged by some. To ensure that you get the original work of an artist, you will need a trusted art collector or a fine arts specialist to help and guide you. Hawkfield Gallery might be able to assist you.

Hawkfield Gallery specializes in 20th and 21st century American fine art and folk art. Their interest spans from American impressionism, decorative songbirds, shore-bird decoys and wildlife bronze sculptures.

The owner of Hawkfield Consultants Gallery is Sally Caverly who has an impressive passion in collecting arts for more than 25 years. She got her start on Bachelor of Arts in Marketing and later on holds a Master’s degree in Education. She also became a Market Research Division Director of a major publishing house. Their gallery is located along Boston’s South Shore, midway between Cape Cod and Boston.

Hawkfield Gallery’s website is an exclusive space where you can find an actual collection of artworks from various painters and sculptures. Art experts of Hawkfield are always available to guide and advise their clients. Visit their website and take a look at their impressive list of artworks came from various talented artist.

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MAKE MORE POSSIBLE

Federal, state, and local governments constantly seek ways to stimulate economic development and investment. One of the levers they manipulate most frequently is tax credits and other incentives designed to foster innovative research and development, keep businesses in certain jurisdictions, or give them a reason to move to those jurisdictions.

Businesses that leverage these incentives wisely can save significant amounts, taking money that might otherwise have gone to the IRS or a state or local department of revenue and reinvesting it in their business instead. In many cases, even if you discover that you qualify for certain credits and incentives after the fact, you can go back over a period of years and amend tax returns to take advantage of them retroactively.

We can help your business apply and qualify for the credits and incentives to which it’s entitled. We routinely discover opportunities to save our clients money on their federal, state, and local taxes and turn what would have been tax expenditures into positive cash flow to help grow their business.

Our dedicated team works with businesses in a wide range of industries. We can help you not only qualify for an array of incentives but also document your qualifications and defend them in the event they’re challenged by a taxing authority.

We provide solutions in a number of areas, including:

- Cost segregation & fixed asset consulting

- Hiring and zone-based credits & incentives

- R&D tax services

- Transferable tax credits

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2015
Honda Shadow Aero 750 ABS - Al Lamb's Dallas Honda

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2015
Honda Shadow Aero 750 ABS - Al Lamb's Dallas Honda

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The first thing that will grab your attention about the Aero 750 is its custom retro style. But the real beauty of this cruiser motorcycle is beneath the surface with its big V-twin engine, three-valve dual-plug combustion chamber and five-speed transmission. Riders have the maneuverability to cruise the city streets at an unhurried pace or ramp up on the interstate without revving the engine through the roof.

If there’s one place you don’t want retro performance, it’s when it comes to your brakes. That’s why Honda designed the custom motorcycle with a 296mm front disc for distinctly modern stopping power. The road can throw anything your way – from wet pavement to sand and other debris on the street. With Honda’s innovative anti-lock brake system (ABS), the VT750 Shadow Aero ABS delivers confidence-inducing braking in challenging environments.

Honda’s proven ABS is a perfect addition to your Aero 750 when you’re riding in a less-than-perfect world. It helps make cruiser motorcycle riding more secure, and under normal operation, you’ll never know it’s there. But when you do need it, it’s always there to back you up. Brake with confidence when you ride the VT750 Shadow Aero 750. That’s the extra confidence you need to enjoy your riding experience without a worrying about what’s around the next curve.  h�A