Singapore Gets Tough on Real Estate Market

By Billy Chen

With the low entry barrier, the real estate agents make up 30,000 of Singapore's population of 4 million residents. Coupled with non-existent requirement for qualification test or exam for the job holders, that probably explains the deteriorating service within this real estate industry.

In response to the market that is rapidly losing faith in the code is an indicator of the level of real estate services, announced the Government of Singapore to clean multi-access points in an effort to review the situation. The proposed solutions are: Industry leading accreditation body, Enforcement Agency, Dispute Settlement Court.

This accreditation body would be headed by industry veterans.One significant part of the proposal is compulsory accreditation for all real estate agents. And it would make public a central database of agents to conduct background assessment of agents they intend to employ.

The public search would hope that the role of hopping a subject that previously was not known, and stick to the substance with more cards to solve.

Enforcement Agency in the draft and recommended. Enforcement Agency is looking for agents and adventurers competent authorities. And it is also responsible for dealing with the weakness in the form of penalty points.

To a population who is increasingly losing faith to the existing system, this is definitely a timely booster. With the set up of experts led real estate dispute resolution tribunal, it is working to lead quick resolution of property related issues, and thus save money for all involved.

The government would set up the dispute resolution tribunal from its fund initially, but over time, the cost and the responsibility of running it would be handed back to the industry.

This agency level tribunal would continue to serve its purpose and additionally function as a gate keeper for official Dispute Resolution Tribunal. For that reason, government insists that this is not a replacement for the existing agency level tribunal.Going by the number of reported grievances, it is expected that this tribunal would be overwhelmed as it starts operation.

It would still be at least some months away before the proposal can be fully implemented and be checked against its effectiveness. But the government acknowledged the fact that all parties in this dilemma must work towards improving the present situation and government would also facilitate the program through public education. - 23204

About the Author:

Want to find out more about Singapore Property , then visit our site on how to choose the best of My Own Dream Home for your needs.

Forex Trading - Tips To Understand Forex Lots

By Mark Green

What is the first image that comes to your mind when you hear the word 'lot'? I'm hoping you thought of a group or collection of items and not cars. In the forex market we have what are known as forex trading lots. These are the base unit size of any given forex transaction. "I will take 5 lots of the euro against the British pound" you have heard the lingo before; In general, one standard lot is equivalent to 100,000 units of the base currency.

You may remember that the base currency is essentially just the first currency of a currency pair, for example in the EUR/USD currency pair the base currency is the EUR and the 'quote' currency is the USD; this means that you if you buy 1 lot (100,000 EUR) you will pay for it in USD and if you buy 5 lots of the Euro as stated earlier, you would pay for 500,000 Euros using the equivalent amount of British pounds.

You may remember that the base currency is essentially just the first currency of a currency pair, for example in the EUR/USD currency pair the base currency is the EUR and the 'quote' currency is the USD; this means that you if you buy 1 lot (100,000 EUR) you will pay for it in USD and if you buy 5 lots of the Euro as stated earlier, you would pay for 500,000 Euros using the equivalent amount of British pounds.

So now that we know what it is, what is the significance or use of all this? Okay, so if you have a 10,000 dollar account with your favorite forex broker, who gives you leverage of 100:1 (for every dollar in your account you control 100 dollars worth of any currency in the forex market) you can gain full control of a maximum of 10 lots of any base currency in the market. But if you have a micro account but want to control lots 100,000 units in size, you will definitely need to increase the amount of money in your account. Do not make the erroneous decision to use large leverage to control lots greater than permissible for your account type as the risk just isn't worth it.

I recommend that when you start out trading forex market currencies you begin with a small number of lots typically between 1 and 3. With time you may find that this is plenty and sufficient to be a successful trader in the market. Once you become more experienced, and possibly have 10,000 dollars and above in your account, you can increase the size of your lots and the number of lots to trade in accordance to your strategy. - 23204

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Get more forex tips to improve your trading. Visit http://www.abc-of-forex.com

Pick Forex Winners with Fap 'Winner

By Henry Blanc

In terms of trades, the Forex market is the single largest market in the world, trading an average of 2 trillion dollars daily. The combined average of the stock excange and the mercantile exchange is only about one third that amount. With a market this size, there is a lot of maney made and lost every day.

Even a tiny fraction of the total amount of trades is a lot of money. I's every trader's dream to get the tiny fraction and have financial security. Their are risks involved in any investment though.

However, forex trading is very much like gambling, only with more data and information to base from. The risk abounds and actual life changing losses happens 50% of the time. However, if you become an expert in it, you have a very clear future ahead of you and several other generations of your family. To do it is no walk in the park.

Then came Fap Winner. Suddenly, the need to understand every bit of data, history, trends, charts, past movements, economy of countries and every bit of information concerning foreign exchange as well as all the factors that affect its movement is no longer needed.

Moreover, training, heavy education and extensive hands-on experience in foreign exchange no longer became a prerequisite to trade successfully. This is because Fap Winner, an automated forex robot, will do all the dirty work for you.

All you will have to do it open an account where you can place all the profits you will be raking in once you put in place this software.

Fap Winner is a fully automated Forex robot which makes all the trades for you. You just have to install it and input your data. It works at times you wouldn't be able to monitor the market, when you're sleeping, working or just spending time with your family. Fap Winner takes the work out of Forex trading and makes you an instant expert.

Making use of Fap Winner will have you trading as if you are a forex wizard if you will base it on what you will earn alone. With just an amount of $2997, you can already have an investment tool that can afford you your need as well as your family's.

This is a very small amount compared to the money will be earning as soon as you download the forex robot and start it running.

All of the above are the impressive and quite attractive offer that can be found in the online site http://fap-winner.com/. The website is an eye-grabber and the information is interesting. It can easily get the visitors attention and have them reading all through the contents.

The online site also had enough images and clickable icons that are pleasing to the eyes of the observer. Information is plenty and direct to the point that you will not get bored reading.

For more information and to get a feel of the product and its benefits, it is worthwhile to give the site a visit. Should you find it impressive, you may already invest on it immediately since downloading is very easy.

As for the price, it is far from expensive since some of the forex out there can cost up to a high $10,000. - 23204

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Find more about fap winner and forex robots.

Commodities ETF

By Ahmad Hassam

If you are interested in investing in commodities than you can invest in a commodity mutual fund! Many people are not aware that commodities as an asset class has a lot of potential especially in the 21st century. It is being predicted that the 21st century belongs to the commodities.

This is the simplest way for you to get involved in investing in commodities as the mutual fund portfolio management will be done by a professional manager and you have to do nothing. Just buy the shares of the commodity mutual fund and let its NAV appreciate before you can sell for a capital gain.

There is another investment vehicle that is really hot right now with the public. ETFs started off some three decades back but became highly popular as investment vehicles in such a short time. Now, you must have heard about the Exchange Traded Funds (ETFs). ETFs are really hot investments these days. There are a number of ETFs that invest in commodities.

ETFs have many benefits. They trade like stocks but have the diversification advantages of a mutual fund. Now the good thing about investing in ETFs is that they give you the diversification benefits of a mutual fund with very low fees something like 0.7% as compared to 2-4% of the mutual fund. Driven by the growing demand of commodities by the investors many financial institutions are now offering Commodity ETFs.

So unlike a mutual fund whose net asset value is calculated at the end of the day and the shares of mutual fund cannot be traded during the day, you can go both long or short on ETFs all the time. Something you cannot do with a mutual fund! ETFs have the added benefit of being able to trade like stocks giving you the powerful combination of diversification and liquidity.

ETFs are mostly constructed to mimic some market sector index. Sector ETFs are a hot investment right now. Now, you can find thousands of ETFs in the market on different market sectors, stock indexes, currencies, commodities and so on. This diversification plus liquidity benefit makes an ETF a better investment tool as compared to the mutual fund and the stocks.

The first Commodity ETF in US was launched by Deutsche Bank in the start of 2006. The Deutsche Bank Commodity Index Tracking Fund is listed on AMEX and tracks the Deutsche Bank Liquid Commodity Index. This index is based on a basket of six commodities: light sweet crude oil, heating oil, gold, aluminum, corn and wheat.

Now, every month a new ETF gets launched. There are a number of Commodity ETFs that track individual commodities like crude oil, gold and silver. Do your research on Commodity ETFs, you may find a good investment. This ETF invests directly in the commodity futures contract. Now one of the downsides of investing in this Commodity ETFs is that it can be fairly volatile as it is based on commodity futures contracts that get rolled monthly. Another downside to this Commodity ETF is that it is based on a basket of six commodities only. - 23204

About the Author:

Mr. Ahmad Hassam is a Harvard University Graduate. Trade Dow Futures . Learn Commodity Trading !

Debt Consolidation

By Bob Jones

Debt consolidation offers borrowers the opportunity to get out of problematic debt and to regain control over their lives once again. Many people owe a lot of money and often struggle to find ways to pay off their debts. Debt consolidation opportunities are often the best choice in this scenario, as they can help debtors pay off both secured and unsecured loans.

Debt consolidation offers debtors the opportunity to reorganize their lives along with their debts. If they choose to go with one of the debt consolidation options, then a qualified company representative will help them combine their bills into one convenient monthly instalment.

The various debt management solutions can assist you by fixing the interest rates on your personal loans, mortgage loans, credit cards, and other loans. To summarize, debt consolidation then is that you will pay off your debt sooner and have more cash to spend later.

If you own your own home and your credit rating is bad, you may want to find a bad credit mortgage lender to help you lower your monthly payments and interest rates. However, be careful because some mortgage lenders will raise your rate of interest and mortgage instalments while claiming to reduce your monthly repayments.

There are, nevertheless, loans available that do provide genuine opportunities, such as early pay-offs, cash back loans, lower interest rate loans, lower monthly mortgage payments, and so on. Furthermore, lenders are well aware that families do sometimes encounter difficulties and instead of taking advantage of this, they will try hard to help them get out of debt and raise their credit score. There are also lenders that will combine your mortgage, interest and bills and credit cards into one monthly instalment after remortgaging your home.

There are always some debt consolidation options, so never give up all hope, no matter how bad your predicament is. There are many debt consolidation options from various sources, such as government or local citizens' advice bureaux; debt counsellors; bank managers; financial advisers, and the Internet. If you are in financial dire straits, you should research these debt consolidation options carefully.

Finally, if you are in a debt crisis, don't despair and accept that you will lose your home, vehicle, and / or business. Instead, become the sort of person who attacks problems proactively to find a solution before you get that far in debt. Start looking for a good debt consolidation expert now. - 23204

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If you have fallen on hard times and are thinking about debt consolidation assistance, just pop along to our web site entitled Debt Consolidation and Reduction