Personal Finance

How to Save Money Consistently  When it comes to saving, CONSISTENCY is crucial! To maintain solid progress in your saving journey, consistency would be vital. Here are a few consistent saving tips.  About GEM COMM We are an International Investor Relations firm (IR) based in Singapore. We specialise in Investor Relations, Public Relations, marketing, branding […]

Income Investing- Introduction Income investing is one of the most common goals sought after by investors as it gives regular cash flow and higher returns than the normal fixed deposits one can get in banks. In general, we typically recommend those with an investment horizon of more than 20 years (esp those who are in […]

Like any typical Asian household, money was rarely discussed at home. That kept me blissfully oblivious to the perils of money making in my teen years, but led me straight to a few painful (and expensive) lessons in my early 20s.  The unfortunate thing is that these lessons are in no way isolated to the […]

When I first started working, I could not seem to get my finances in order. I could not save more, spend less. After one year of work and a few impulse buys later, my bank account was less than stellar. Initially, there was a lot of internal guilt tripping when I couldn’t reach my finance […]

We have heard a lot about the US Federal Reserve System (Fed) or US’s central bank (equivalent to our Singapore’s MAS), and how it affects the market with their monetary policy.  One of the major components of the Fed’s quantitative easing program so far has been its huge bond purchase program which has resulted in […]

As a first time investor, I’ve been researching about different investment strategies, starting with the ones that are beginner friendly.  Because I’m such a noob at all things finance, it was a really steep learning curve to understand what all the finance terms were, and then what each investment strategy meant (and this series is […]

We talked about how to save more money in the previous article. Now let’s talk about something that’s less fun but equally important: how to pay off debt. We’ll all land in debt one way or another (that is of course, unless you have the backing of a trust fund), perhaps most commonly through student […]

“We live in a culture of blame. People will blame anyone or anything for their misery sooner than take the responsibility to own it and make it better.” Dr. Henry Cloud; Dr. John Townsend, It’s Not My Fault. We have met many many investors around the world. There are those who are responsible and there […]