Legal and Licensed Money Lender in Singapore

What You Should Consider Before Taking a Loan

Are you thinking of borrowing from a moneylender?

Borrowing money from a lender is a big decision, one which you must take only after you have thought about it from every angle and explored other alternatives.

When in need of monetary assistance, approaching a licensed moneylender should be your last port of call. First, check if you qualify for a loan from various Government agencies. Approach the agencies directly to know about various loan options, their criteria, and other relevant details. In case you need money but can’t get a loan from a Government agency, only then approach a moneylender, but not before you’ve learned the relevant details.

In particular, you must keep in mind the following things.

Don’t borrow more than you need

This is the first precept of taking a loan: borrow only that much what you can need and can repay. If you take up a loan that’s beyond your repayment capacity, interest payment and late payment fees will become a huge financial strain on you and your family. In worst case scenario, you might fail to make the payments altogether and risk a legal proceeding against you.

Understand the terms before you sign

The law dictates that money lenders clearly explain all the terms pertaining to a loan to the lender in a language he or she understands and provide the borrower with a copy of the contract. You must ensure that you have fully understood your contract terms, especially details related to the rate of interest, repayment schedule, and applicable fees.

You must read the loan contract carefully. Understand all contractual terms, and in case you need some legal advice, don’t hesitate from hiring a professional who can explain the terms to you. Agree to all contractual terms only after you have understood what they mean; otherwise, you might be in for a nasty surprise later. For instance, the money lender sometimes adds a caveat against the borrower’s property. If such a caveat is there in your contract, you must know that it can prevent you from selling your property, unless you first repay the full amount you owe to the lender. You might stand to lose all of the proceeds or a big chunk of it if the money obtained through the sale of the house is used to repay the loan.


Do some research

Even when the only option available to you is borrowing from a lender, don’t agree to whatever terms the first lender lays down. Just like you check with different vendors before buying an expensive utility item, shop around several money lenders until you find something that’s reasonable and look likes the best you can get under the circumstances. Whether it is love or taking up a loan, only fools rush in. Don’t make this mistake; otherwise, you might sign a contract that you will repent later.

Last but not the least, you should always borrow from a moneylender who’s licensed. You can verify if a lender is licensed or not by logging on to the website of Ministry of Law Singapore, where you’ll find a list of legal money lenders Singapore.

– See more at:

Best CRM Software and System in Singapore

CRM Trend in 2017

The worldwide CRM market is expected to be worth $36.5 billion by the end of 2017, predicts Gartner. Not only that CRM is growing faster than any other enterprise software; but the way it is being used is also changing fast. As a marketer, you can expect some new and exciting CRM trends in 2017. These include faster adoption of mobile CRM and cloud-based CRM systems. Being aware of the upcoming trends will help you make the most of this essential sales and marketing tool this year. So, here’s a look at some major CRM trends to watch in 2017.


Artificial Intelligence making inroads into CRM

Too much data is a common problem for most businesses using CRM today. The overwhelming data makes decision-making more difficult for managers. They often get confused between what to use and what not to use. Artificial Intelligence (Al) based CRM could provide a solution to this problem in 2017. The new technology, comprising of features such as machine learning and predictive analytics, will enable marketers to more accurately predict market trends and what type of products might rise to demand in the coming weeks or months. The Al-based CRM tools will do the prediction on the basis of certain parameters, such as buying history of customers, their shopping habits and demographic information.


Faster adoption of mobile CRM

The last year has already seen more and more businesses using mobile CRM apps like QuickDesk, which allow salespersons to manage their prospects on the go. The trend is likely to continue in 2017. In fact, mobile CRM is expected to come to the forefront in 2017. You can expect CRM tools with advanced features and extensions this year. The new and advanced CRM apps are likely to allow for faster data collection and more accurate analysis of the collected data. This will help improve the efficiency of sales process in 2017.

Increase in demand for simplified solutions

Businesses all over the world are now looking for simplified CRM software that can help them reach out to more prospects in less time. This trend is here to stay through 2017 and beyond, say experts. Simplified tools like Quick Desk are easy to implement and does not require you to spend a lot of time and money to train your team members on how to use it. In 2017, companies will increasingly look for improved user experience in their CRM system. For instance, if your Singapore CRM Software allows you to access real-time customer data on one single dashboard, it would help your sales and marketing departments to make better-informed decisions. On the other hand, your customers will be able to communicate with your company through a single point of contact. This will help enhance your brand reputation and thus maximize your sales.


Vertical CRM to get more importance

2017 is likely to see growth of vertical CRM or industry-specific CRM solutions. Until recently, CRM has been a software category itself, but no further division of the category has been available. From 2017 onward, more and more industry-specific CRM software will be developed, predict experts.

Best Interior Design Company in Singapore

6 Questions You Must Ask Your Interior Designer

Looking to hire an interior designer but are not sure about what questions to ask him or her in the first meeting?

Well, worry not, because we have compiled 6 most important questions you should ask an interior designer before hiring. Take a look.

How do you charge?

Most designers either have a room or hourly rate. Rate per room is more concrete because you know the cost of the project upfront. Some designers charge exorbitant hourly rate, like $150/hour or even more, and cost to you can increase very quickly.

The overall price depends mainly on two things: scope of the project and expertise level of the interior designer. Nevertheless, it’s always a good idea to do some research to learn the average cost of hiring an interior design consultancy Singapore. With this figure in hand, you can easily check if the rate quoted by your interior designer is reasonable or not.


When are the fees due?

Always sign a letter of agreement or design agreement when hiring a designer. A letter of agreement allows you to schedule payment. Many designers charge 50 percent upfront and the second half after completion. Some prefer setting up a schedule for payment. Whatever the fee structure, you must make sure that you know in advance when each payment is due. This will allow you to prevent any delay because of payment issue.

Will you offer me discount on products?

Top interior designers often have established working relationships with other designers, manufacturers and retailers. They purchase products from them at discounted prices and pass on a part of the total discount to their customers. For instance, a sofa set from a retailer with a price tag of $1000 might cost your designer $500, who might offer you it for $700. It’s a win-win situation for both: you save $300 on the purchase while your designer earns $200 on the deal.

What are your specialities?

Most designers are better at certain things than others. You should opt for a designer whose specializes in the style you’ve in mind. For instance, if you want a bold design for your home, you’ll be much better off aligning with a designer who specializes in modern design than one who’s an expert in conventional design.

Have you worked on projects similar to mine?

If you’re expecting a baby, would you choose a doctor who has never delivered a child before?

Of course, you wouldn’t. Ask your interior designer to show you proof of their earlier work that’s similar to yours.

Are you willing to give me some references?

Speak to previous clients of the shortlisted interior designer and ask them about their experience. You can also ask their opinion about certain specific things, like the designer’s ability to work within the stipulated budget or time period. The best interior design Singapore company will be more than happy to provide potential clients with references, so there’s no excuse for opting for someone who’s reluctant to provide them.

Best roof truss design & manufacturer in South Africa – ECO Roofing

When it comes to the roof over your families head you do not want to take any short cuts. Even a small over sight has the potential to end up costing you a lot of money. The roof structure design & pre-fabricated roof trusses you choose could be an expensive item when building a new house. Settling for a cheaper option and using unexperienced roofing contractors could end up costing you a lot more!

Things like exposed roof truss manufacturers could be one of the most visually pleasing elements of a new construction, if done correctly! To achieve the desired exposed truss effect collaboration between architect, trusses manufacturer and the client are essential!

So in short if you want a good looking end result that is functional and save it is imperative that you work with a roofing company that understands the roofing process from design to erection and who is qualified & certified for the roofing industry

Some of the things to keep in mind when getting started with a new roofing project:


When designing a new roof the last thing driving the project must be COST VS. VALUE. The roof structure and material used must be of roofing industry standard! The roof designers must be qualified and the roof manufacturer must be industry certified.

When choosing a roofer the same applies! The casual laborer will be cheaper than an experienced roofer but the end result will be worlds apart. It is strongly advisable to use a roofing company that can offer a complete roofing solution and let them worry about roof truss design.

With roofing companies like ECO Roofing, you can be assured of the best qualified roofing service at a competitive price.


Choose a roofing expert

Choosing to work with a roofing expert may be more expensive initially but with everything the roofing expert brings to the table you will save a boat load in the end. Roofing experts can handle the complete roofing process for you. They have skilled workers that understand the process of erecting roofs. They know what is trending and what works! They know what to do to prevent problems and to assure that a roof structure is structural save.

Choosing the correct roofing expert?

All roofing experts will have a good track record and many successful projects to show potential customers as reference to their work. Roofing companies must also be certified by the roofing industry standard and verifying this in most instances is just a phone call.

The one other thing to consider is “Do you get along with your roofing contractor” This may sound strange but you will be spending a considerable amount of time leasing with your roofing company / person and to a certain length you have to like him/her for it to work!

So give your roofing expert a call. Ask all the question and see if you guys click!

Company repetition.

If you find a local roofing expert you like but still need something extra to make sure it is the correct choice, the best thing is to head over to social media and see what people have to say about the company. You could also Google the company name and see what comes up beside their website detail. Do your homework, make sure they are qualified and capable. Be comfortable with your contact person. Happy Roofing!

Author Bio

Louw Barnard is a roofing consultant. He is well known for following the roofing industry closely and always exploring innovation roofing ideas. Louw recommends for the best roofing services in South Africa.


Learn About the Advantages of Dental Implants


Dental Implant Benefits

Improved Appearance

Improved Speech

Improved Comfort

Easier Eating

Improved Oral Health

Durability & Convenience

Implant Success Rate

If you have a rotten or broken tooth that needs to be extracted, you might be better off with a dental implant instead of a bridge, the standard procedure in such cases. The success rate of an implant these days is 96% over a period of ten years, while one out of three bridges will go bad in five years.

Permanent Solution


Dental implants are a more permanent solution; they greatly reduce your chances of having to pay multiple visits to the Anaheim Dentist to “resolve” the same problem over and over again. This means that implants will likely cost you less in the long run. At Dr. Nguyen’s dental office, we work hard to make dental implants even more affordable than bridges.

All-in-One Service

Our experience eliminates the need for you to run to multiple doctors and make multiple appointments to have the dental implants placed. Both the dental implant and the restorative abutment and crown in the comfort of our office, keeping your expenses down: our prices are over 60% less than you will find in other dental offices


Final Cut Pro X Products

Different  Glass comes packed with over 60 environment shots, title screens, text screens, and much more. There are a bountiful number of tools at your disposal. Change the text, adjust the colors, scale and position the drop zones, and utilize the easy to use parameters to create the project you always wanted Different Glass is made exclusive for Final Cut Pro X.



Motion 5 developers have announced a new animated effect entitled inMotion3D Shatter from Pixel Film Studios.

“inMotion3D Shatter is an exciting logo reveal tool for Motion 5,” said Christina Austin, CEO of Pixel Film Studios. “inMotion3D Shatter blurs the line between professional and amateur making this plugin a definite game changer.”

Smash and shatter footage or still pictures as 3D fragments explode to reveal the next image from Pixel Film Studios. With the 3D camera and lights in Motion 5, users can take their shatter effect to the next level. Spin, pivot or pan around the media as it shatters into hundreds of tiny pieces.

Control the shatter of any footage inside Motion 5 Effects and watch as 3D fragments and shards fly by the camera. inMotion3D Shatter’s animation is automatic and customizable, so users simply have to drag, drop a generator into the timeline, apply their media to the Drop Zone, and watch as it shatters.


Use the controls in the inspector window to fully customize the Motion shatter template. Users can change the number, weight, gravity, thickness and impact of the shatter effect to create endless cool looks.

Users can add photos, videos or color solids to their shatter effect. Simply drag the media into the timeline and then apply it to the generator. Once the media is inside the generator, users can uncheck the visibility box of the original media layer.

Designed for Motion 5, users can simply drag and drop the generator into the timeline, and then adjust the look. With the 3D camera and light sources available in Motion 5 Plugins, users can create more looks than ever.

Established in 2006, Aliso Viejo, California-based Pixel Film Studios is an innovative developer of visual effects tools for the post-production and broadcast community. Their products are integrated with popular non-linear editing and compositing products from Apple FCPX. All Apple, the Apple logo, Mac OS X, and Macintosh are registered trademarks of Apple Inc. in the U.S. and/or other countries. All other trademarks and trade names are the property of their respective owners.