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Queensland Backflips on Land Tax Reforms

Queensland Backflips on Land Tax Reforms

by Tiffany Toh

Queensland Backflips on Land Tax Reforms This article originally appeared…https://singapore.feebasedfinancialadvice.com/queensland-backf…land-tax-reforms/ In what has been a positive end to the weekly news cycle, we have seen Queensland announce that they would not be proceeding with their proposed land tax reforms. This comes as welcome news to both landlords, aspiring property investors, and of course renters or those looking to rent who would have no doubt seen increases in their rental prices as the higher taxes were passed on. Under the current rules, Queensland land tax applies and is calculated based on the value of the land that you currently hold in…

Should I Pay Down My Australian Mortgage Whilst in Singapore..?

Should I Pay Down My Australian Mortgage Whilst in Singapore..?

by Tiffany Toh

This article originally appeared on – https://singapore.feebasedfinancialadvice.com/should-i-pay-down-my-australian-mortgage-whilst-in-singapore/ This was the question that I was asked recently during a meeting by an Australian expat in Singapore, and one that many Australian expats ask. At first glance, it can seem like a ‘no-brainer’ to use your excess savings to reduce your mortgage while you’re working in Singapore, particularly given the currently weak Australian dollar relative to the Singapore Dollar. But…like with most matters of personal finance, there is a lot more to consider here. This week I explore what you should consider when it comes to deciding whether you should pay down…

Where to put my spare money to work

Where to Put My Spare Money to Work

by Tiffany Toh

[vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern”][vc_column][vc_column_text]In the last article I wrote, I mentioned that in the past when inflation was last at these levels, you could always find a quasi-risk-free fixed deposit rate at a bank that was generally higher than the inflation rate. So, your money earns a little more than the inflation rate of the time. Today, the fixed deposits and inflation markets seem to be moving in opposite directions. This tells us, the average investor, that we need to seek a little more risk for our savings to stay ahead of ongoing inflation. Generally, it…

Inflation – The Search for Returns for The Average Investor

Inflation – The Search for Returns for The Average Investor

by Tiffany Toh

Inflation – the search for returns for the average investor If I recall correctly, the last time inflation rates or cost of living were at these levels, our interest rates on bank accounts were far higher. For example, in Australia where I come from, the standard bank deposit rate was 13.95% while inflation stood at 7.3% in 1990. Meanwhile, the standard bank deposit rate was only 5.85% in 2000 when inflation stood at 4.5%. Today, inflation in Singapore stands at 5.5% annually to March but our standard bank deposit rates are only 0.05%

Top 7 finance tips for people in their 50s

Top 7 Finance Tips for People in Their 50s – Infographic

by Tiffany Toh

Top 7 Finance Tips for People in Their 50s Hitting the big 5-0 can be a financial wake up call for many. With retirement slowly coming into sight, this is the time to figure out where you stand financially and whether you have kept on track with your goals. Even if the answer is no, this next decade gives you the opportunity to make adjustments and put in the final touches to successfully set yourself up for your golden years. With fewer dependents and less people counting on you, your 50s are when you can…

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