Monday, September 19, 2011

Save on interest payment

It is important to have an emergency fund that can be used for your unexpected payments. This can save you a lot of interest payment.

Suppose you need $5,000 in an emergency - for medical expenses or disruption in your income. If you borrow $5,000 on your credit card, you have to pay interest of $100 a month (2%) on the roll over. If it takes you 2 years to make the repayment, you would have spend an additional $2,400 in interest payment, on top of the $5,000 that you borrowed (and have to repay).

If you have emergency fund that you can draw down, you can save on the hefty interest payment. But you should have the discipline to repay the borrowing back into your emergency fund - just like you have to repay an external lender.

You should  build an emergency fund of 6 months of your earnings. If you earn $5,000 a month, your emergency fund should be $30,000. You should keep the emergency fund in liquid investment, such as fixed deposit or short term bond. You should avoid investing it into a life insurance policy or structured product where there is a high upfront cost (which becomes a penalty on early withdrawal).

Remember - building up the emergency fund is your top priority - above buying a car or other discretionary expenses.


Foreign exchange training courses

Dear Mr. Tan,
I am a Singaporean PR with a background in the financial services sector. I am quite appalled at much of what goes on here in terms of mis-selling of products and services by the finance-related sectors. I am glad that you have managed to take on some of these issues and wish that the various authorities here in Singapore would be more active.

For the last couple of years I have had various dealings with such groups as MAS, ABS and CASE in my efforts to have some of these bad practises stopped and have had periodic successes.


However there is one issue that I just can't seem to make any headway on that I feel is something that somebody really needs to tackle and that is the selling of "get-rich-quick" type foreign exchage trading courses. This activity has been going on for years here and is essentially an on-going fraud that takes place in full public view, most notably via advertisements in the Straits Times.


The groups behind these schemes have made millions and millions of dollars here carrying out an activity which would be banned in most countries. It saddens me every time I open the newspaper when I see these advertisements because I know that it means yet more people will today be conned out of their hard-earned savings, or taken into debt, in order to attend one of these courses.


I would like to urge you to try to tackle this issue. I think that if you could do so you would be doing the Singaporean people a great service. Many millions have been swindled, but lets not let this practise go on for yet more years. I have realised that my efforts with the MAS, CASE, ABS etc are coming to nothing in this area so I realise it needs somebody of your status to be involved in this if anything is to change.


Please let me know if you would be interested to look into this issue and I would be very happy to help in any way I can starting by briefing you on what I believe are the illegal practises carried out by these groups in full public eye,


Concerned

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Social inequality in Singapore

Yee Jenn Jong is a non-constituency Member of Parliament from the Workers' Party. He writes regularly on social and economic issues. Read this article on social inequality in Singapore.

Schizophrenia 'link' to epilepsy

People with schizophrenia are six times more likely to develop epilepsy, says a study which finds a strong relationship between the two diseases.

Writing in Epilepsia, researchers in Taiwan say this could be due to genetic, neurobiological or environmental factors.

The study followed around 16,000 patients with epilepsy and schizophrenia between 1999 and 2008.

An epilepsy expert says it is an interesting and convincing study.

The study used data from the Taiwan National Health Insurance database and was led by researchers from the China Medical University Hospital in Taichung.

They identified 5,195 patients with schizophrenia and 11,527 patients with epilepsy who were diagnosed during the nine years period.

These groups of patients were compared to groups of the same sex and age who did not have either epilepsy or schizophrenia.

The findings show that the incidence of epilepsy was 6.99 per 1,000 person-years in the schizophrenia patient group compared to 1.19 in the non-schizophrenia group.

Continue reading the main story

?Start Quote

This is the first convincing study to suggest that people with schizophrenia could also be at risk of developing epilepsy ?

End Quote Dr Manny Bagary

The incidence of schizophrenia was 3.53 per 1,000 person-years for patients with epilepsy compared to 0.46 in the non-epilepsy group.

Previous studies had suggested a prevalence of psychosis among epilepsy patients.

Two-way relationship

Researchers in this study also found that schizophrenia levels were slightly higher in men with epilepsy than in women with the disease.

Dr I-Ching Chou, associate professor with the China Medical University in Taichung inTaiwan, said:

"Our research results show a strong bidirectional relation between schizophrenia and epilepsy.

"This relationship may be due to common pathogenesis in these diseases such as genetic susceptibility and environmental factors, but further investigation of the pathological mechanisms are needed."

Dr Manny Bagary, consultant neuropsychiatrist in Birmingham, said it was a "very interesting" study.

"We have been aware that epilepsy sufferers seem to be have an increased risk of psychosis but this is the first convincing study to suggest that people with schizophrenia could also be at risk of developing epilepsy, suggesting a bidirectional relationship has been found between depression and epilepsy".

"The association may be due to a common environmental factors such as traumatic brain injury or brain haemorrhage in utero. Alternatively, a genetic association may be relevant such as LGI1 or CNTNAP2 genes which have been associated with seizures and psychosis."

"However, there may be some questions to ask about the reliability of the schizophrenia and epilepsy diagnoses in the study because it is a retrospective health register study and both conditions can be difficult to diagnose.

"Nevertheless, this study will serve to guide further research into the relationship between epilepsy and psychosis."

Source: http://www.bbc.co.uk/go/rss/int/news/-/news/health-14948264

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