Learn the best ways to manage your finances the fastest way.

Here is the truth – each and every person faces financial constraints once in their lives. Whenever this transpires, their financial stability and future may be both affected. You will not want this to happen in your life, that is for certain. If you have a business, the same concern must be given attention as well. This is the reality you have to be aware of.

To work with a successful financial adviser may be the service you are in need of. With experts like Express Financing, our company, you are given the chance to manage your finances well. Handling it properly is the best way to avoid financial problems. We are open to other kinds of services.

The Services You Can Expect from Us

As a financial company, we are determined to support you in operating the following:

Retirement Planning

One of our services as a financial adviser is to provide you options in planning your retirement. Well, this is inevitable. After a number of years, you will retire. This is a chance for you to enjoy more of life. However, there are individuals who do not pay so much attention in their retirement because they are not able to manage their finances well. This should not transpire to you. With advisers like us, you will be offered retirement plans that may work for your situation. The features we open may fit your traveling, investing and lifestyle. Consider them!

Tax Services

To manage taxes is a task not given attention to a lot of individuals. But then, it cannot be denied that it has always been huge in nature. It has to be done annually. It might consume your time if you are not used to the activity. This is only for individual taxes. Imagine those which are intended for businesses and companies. In order to navigate the whole process, we are here to provide you tax advice services. As an addition, we have experts who will ensure that you enjoy tax returns.


There might come a point in your life when you become in need of huge money. The said situation may transpire to anyone. It is only just a matter of matching your needs. It may start by purchasing a house or a car up to the investment in assets. If you see yourself having to work on this, and then you have to apply for a loan. There are just requirements that you have to work on. That is where the struggle sometimes comes in. If this is too much for you, we are here to help you on the whole journey!

Express Financing is indeed the company that may lay out effective financial services for you and your company. We work with skilled experts who are the best in guiding you to create a really stable financial lifestyle and status. All of these become attainable as you contact us! So what are you waiting for, keep in touch with us now!


Read our articles to learn from the best professionals on how they manage their finances…
5 Things You Don’t Know About Credit Reports in Singapore 5 Things You Don’t Know About Credit Reports in Singapore (12/22/2021)

Many people in Singapore and the world make credit decisions without asking critical questions like why and what. Yet, credit reporting is an essential part of lending that most young adults either assume or ignore.

But when you choose to borrow money, you have to keep these five things in mind. That way, you will either land better credit deals or save yourself from extra payments in the form of additional interest fees.

Knowing what lenders look out for will help you understand what to do right and where to correct in case there are credit mistakes you’ve been doing without your knowledge.

  1. Your credit score will most likely get you or deny you a loan

Getting a loan is highly dependent on whether you have a good credit score or not. Depending on your lender, the credit score will also affect the rate of return given to you for your loan. That is why you have to keep a clean credit score to increase the chances of getting a good loan.

Now, you also have to know what your score is. Today, most youth will knock on every lender’s door, hoping to get a loan. But, instead, they go there depending on luck, which sometimes doesn’t work. So, you have to get things put in order. That way, you will strategically apply for loans, and the chances of getting them approved increases.

Therefore, you have to have a clear picture of your credit report. This information is readily available for you on different platforms at a cost.

  1. Aggregation

Singapore has a few significant credit report bureaus. Each of them has a report of you from different previous lenders you’ve probably dealt with. They keep these records and come up with an aggregate score.

Your total score is an average report of these reporters. That is why you are advised to simply honor your credit obligations. No matter how small a lender is, you must repay your loan.

These lenders report to different credit bureaus. These big CRB companies aggregate reports and generate once overall that affects you.

  1. You can get your score for free

There’s a possibility of getting this report for free. Well, most reporters will charge you to avail of this information. Some make it hard for you to get this information unless you are a lender or bank.

It is important to note that it is now possible to get this information for free. Today, Kind card providers provide credit scores of their clients for free as part of customer service.

This is a step forward, and young ones should do their due diligence to get such cards and access their credit reports. That way, they will be better advised and act diligently when looking for lenders to work with.

  1. You can correct your credit reports

All hope is not lost when you spoil your credit report. You should know that it is possible to correct your credit score. The first step to achieving this is by repaying your debt in full. That gives the impression of your will to get back on track.

After repaying the loans you owed in total, a few lenders will be willing to risk again. If you get such a chance, it would be prudent to utilize it and repay the loans in full and on time.

  1. Your score determines your rate of return

The credit report will determine a lot about your rate of return. The poorer the information, the higher your rate of return will be. That means you will spend more to repay the exact loan than another person for a similar amount.

How to Success in Tour Management (3/28/2018)

There really is a possibility to stumble upon diverse and multifaceted jobs these days. This may also be true as far as the music industry is concerned. In order to succeed in this, a tour manager should be present. He or she will be responsible in ensuring that everything goes on smoothly. The position may look daunting but in reality, it is not for the timid individuals. Basically, the right candidate must be ready for a pressuring, yet rewarding and unforgettable job.

What Can a Tour Manager Do

The tasks which are performed by most tour managers are diverse in nature. They are going to vary from one band to that of the other. The duty may be described as the ability to manage a band on the road. This would start from babysitting, down to checking that they are always on time. What are the other assignments of a band manager?

  • The band manager will take charge in the collection of money, promotion of shows, driving, finding hotels and assuring that the rooms are ready for everyone. It is safe to say that the manager does almost everything.
    When it comes to smaller bands, the manager may take charge in setting up the merchandise for the talent. This inventory may be done before and after. Selling their stuff may be simpler this way, and this is a chance for them to get the exposure that they deserve.
  • The most important task of a band manager is to discuss the gig that the band will be performing at. This might vary depending from one person to another. However, many would definitely agree that it would take an amazing network skill so that a manager may be effective. These managers may begin with local bands then they may take on front act activities. This is how they grow their socials which in turn may be the key towards earning more opportunities.
  • When the band manager landed the job that is when their true role begins. It is the time when the excitement and fun lie. The said people may have to travel every now and then. This will be their new middle name. It may occur for a number of months. They are most likely to check on new cities, watch amazing shows and meet new people. These are the perks of the job.

As far as the economy is concerned, tour managers should not be anxious. For as long as the job is dedicated to performing and making music, and people are still interested in listening, the industry has a place for you. It may look impossible at first, difficult even, but with determination, this may be feasible.

The whole endeavor may not be completed without hard work and passion. This can always be learned along the way. For those who are not sure, they can begin by starting as an assistant or merchandise person. As for small bands, one should not be scared of working with them because it is through them when learning becomes plausible.

The Types of Concerts (3/22/2018)

Here is the thing – concerts may come in various forms. However, there is one thing which they may have in common – they are usually live performances that are meant to an audience. As you mention the word “concert,” it is impossible for it not to be associated with music. It can be in variation of contemporary music, classical or jazz. Music is also an umbrella term for various musical genres.

There are instances when there is only one musician. Other times, there may be an orchestra or a band. Typically, a concert will be a show. Now, it is referred to as a gig especially if the performances are not classical including jazz, hip-hop, rock or punk. Most of these concerts are held in many venues. They range from a large auditorium including the Big Egg in Tokyo or the Ice Stadium in Stockholm or it can just be in a club or pub. They can be in barns, theaters and outdoors. For whatever it is worth, these will definitely provide a wonderful experience to many.

More about Concerts and Music Festivals

There are times when concerts are conducted for free. However, this is not always the case. The norm is that you would purchase a ticket so that you may attend a concert. More and more bands go on tour so that they can perform for their fans all over the globe. These concerts would provide performers the chance to play live in front of an audience. Such is an opportunity so that they may establish a rapport with their supporters and followers.

Indeed, concerts have a role to play when it comes to the promotion of a particular artist. This transpires because of their increased exposure with fans. Once the fans enjoy the gig, they are surely going to attend the concert of the same band all over again. Tours are utilized so that album sales may be promoted. With one, it is no longer surprising how album sales boost. This is very much the case with Coldplay, for example.

There are bands which would set up a good show so that they can pull a large audience. They may even bring those to your town. Among the special effects utilized are elaborate props, lasers, lights, screen, film, inflatables, pyrotechnics and smoke. These would help in increasing the spectacle and excitement going on in the place. The Rolling Stones for example, is popular in nailing a tour. They used inflatables in their Voodoo Lounge Tour.

When it comes to the progressive rock band, Pink Floyd, stunning props are channeled in their performance. They do this as they kicked off The Wall years ago. There was even a time when a wall was built on stage.

When it comes to festivals, there is normally a line-up of artists involved. Such would also take place outdoors where there are tents to hear different types of music including indie, hip-hop, rock, and a lot more. For music enthusiasts, these can be endearing for sure!

Why Do We Enjoy Concerts and Music Festivals? (3/12/2018)

Who does not love concerts? Well, it has always been a thrill to see your favorite band, singer or musical act. As a matter of fact, most people would not trade this for the world. That is for sure. Needless to say, concerts are life-changing for most people, most especially for the young ones who even save up their allowance and pocket money for ages so that they may stumble upon their favorite band. Imagine how they have counted the days only to see their favorite band. Yes, this can happen!

Today, it is also usual to meet audiences who patronize supporting acts too. These are musical acts or singers who are in-charge in opening up a concert through a performance. This is when the management teams usually select the opening acts. They do this according to who they think will be able to entertain the fans while waiting for the main event. There are times when the acts are almost similar in a way for the goal is the same – to make fans enjoy.

Going to Concerts and Music Festivals

Here are some of the things that you will surely enjoy from concerts and music festivals:

  • Most concerts would take a maximum of six hours. The three to four hours are usually spent for the live music itself, the remaining would have to be for the waiting and all.
  • These festivals are the best for they provide musical acts and musicians the fantastic exposure they truly deserve. This is also a once-in-a-lifetime chance so that they can interact with the fans.
  • Tours are typically organized by a musical act management or a musician. This is a way for a new album to be promoted. Aside from this, it is also a time when a musical act is done so that traveling all around the world becomes possible. This is done so that they can put their music closer to their fans.

Music Festivals

Here is the catch – music festivals have features of their own that somehow make them distinct from the musical concerts that we are used to. They even have a huge following as well. Among the famous music festivals that are known for music, loves are Warped Tour, Coachella, Lollapalooza, Glastonbury and the Lillith Fair. While it is true that most of these would only stay in one place, there is enthusiast who is more than willing to travel so that they may watch their favorite. Yes, this happens.

Annually, concerts and live music organizers and promoters would organize these massive music festivals. They do this to ensure that they may convince the biggest stars to grace the event. These go more than just a single stage and it can even last for a couple of days. The stages would serve as the haven for the volume of acts. They are going to be played on stage, one after the other, and it may even go for months. This is exciting for most fans out there!

What You Must Remember If You Want to Be on Tour (2/21/2018)

Who does not want to tour? If you are thinking of bringing your band on tour, the number of equipment you are to bring along with you should matter. Basically, you need to know where you intend to play. The same is also true with the number of performers and instruments. Apart from all these, you also have to project your budget for the endeavor.

Even in festivals, you might need a truckload of equipment so that you can show up in the event and set up your stage. This is a chance for you to use your own instruments. There are smaller bands that tend to rely more on the equipment which is already a default in the venue. Aside from these, there are those which usually bring microphone cables and leads so that the sound may improve. If this will not be given attention, distortion may occur.

What can you do in order to succeed in this? There are simple ways so that you can carry out a tour. What should you remember?

Touring Successfully

Take note of these techniques so that your tour becomes a remarkable one:

  • Do not fail to organize the tour carefully. This means that you have to know where you should be. You must be knowledgeable on how to get there too. For every venue, you must have the initiative to look at the available equipment. You will be in big trouble if you do not give it time.
  • There are instances when you might have to bring your own items. If that is the case, please do so. There are times when the default offerings are not up to your liking. They may not be of high quality. In order to not affect your performance, just bring your own instead. That should not work most especially if you have a service of your own too.
  • It is not surprising that you might prefer to travel bringing your instruments with you. As this is the case, you may have to secure an audio equipment with you including microphones, amps, cables, and lighting. There are venues out there which will wait for you to bring your own cables. As that is the case, do not fail to bring any items that you might like. Among these are your guitar picks, cables, and sticks.
  • It is also ideal that you check the compatibility of your equipment to your items that are to be utilized in the venue. If you will be in need of connectors, do not fail to check on the right cables and leads. What more if you are to go on a festival overseas. Be strict in looking at the connectors.

Indeed, this can be a wonderful experience for your band if you know what you are doing. With this said, do not fail to set a good plan so that everything goes on smooth sailing! This should be of assistance for sure! Keep rocking and enjoy your music!

Why Is It A Good Idea to Invest in Singapore? (2/16/2018)

At the end of the day, it is not about purchasing, but about selling that brings a huge difference to a profit. This is why most investors are advised to ensure that they went through financial plans for it is like going to a four-year commitment after a four-year Seller’s Stamp Duty or SSD has been considered. Repaying this is required and it has to happen before the four years.

Once the amount of finances available has been determined, there is already the great advantage of going to the property marketing so that a passive income may be generated. This may be earned through rental yields compared to putting the cash in the bank that does not grow at all.

With the current state of the market in Singapore, it is advisable to check out good investment properties from time to time. There were times when their prices drop to at least 10% as compared to those with a fixed deposit which often pays 0.5%. This unlikely hedge against inflation which now stands for around 5.7%.

Learning more about Investment Plans and Schemes

Here are some of the features of investing a property in Singapore:

  • Most of the investors in the country take advantage of the low-interest rate. This is the reason why they normally put out their money to property assets so that they could generate a positive cash flow. This may occur through a rental income. A positive result may be earned from here, most especially from off-set mortgage costs. This would even equate to that of annual passive income which may reach at least $18 annually. This can beat returns which are obtained from fix deposits and outperforms dividend returns which are earned from stocks.
  • The prices of private properties still rise until now. Despite the economic uncertainty, the effects of cooling measures are seen now. They have the power to lead slower rise in prices. This has been the case now as compared to how it was in the year 2010. Today, there are reasons seen why there is a sudden hold up in the prices. For instance, sales are now stagnating. There are those who are not willing to sell at lower rises. There are also buyers who are not ready to commit to higher prices. Aside from this, there is also an existing demand for the property which typically exceeds supply because of the owners being hurried to sell. This is when rising occurs.

Most investors should look at Singapore property asset as a long-term investment. They must not be alarmed by the sudden impediment in the property market because they will still benefit from it in the long run. There are reasons why there might an increase in value. These are the following:

  • Clean governance in the country
  • Scarcity of land
  • Inflation which places pressure on most prices

As for any buyer who is willing to invest in other kind of properties aside from the residential segment, shopping houses should begin as early as they can.

Best Guide in Borrowing Money from Licensed Money Lenders (2/5/2018)

Best Guide in Borrowing Money from Licensed Money Lender in Singapore

Most individuals borrow money because of different reasons – to fulfill daily needs, finance college tuition, purchase things, start a business, and pay mortgages. The amount that a person may want differs. It may begin from a hundred, up to thousands.

Every money borrower is unique. This is why there are methods they can go for. These are identified depending on a particular situation. Among the types include credit, and overdrafts. How can you utilize these in obtaining a proper, and effective money lending?

The Types of Loans

Loans may be of many kinds: unsecured, secured, Moneylines, and Credit Union loans. Learn more about them through these:

Secured Loans

This type of method is when a client surrenders security to the lender. This is undertaken even before the money is borrowed. The security provided here may be in two forms – valuables, or other assets. Once the person cannot pay, the lender is given all the rights to force the sale for the secured assets. This is done depending on what is stipulated in the loan agreement.

Unsecured Loans

This type of method does not ask for the surrendering of any security. This is too risky for the lender. As for this reason, unsecured loans have higher interest rates. They feature shorter repayment terms, and then stern rules. Penalties are bestowed for individuals who will not be able to pay in the maturity period.

Credit Union Loans

This is a kind of loan usually regulated by established financial organizations. The members of the certain organization provide this. Most members of the Union are responsible in sharing the bond which is directed for the organization. The similarities are housing territory, workplace, and association membership.


This type of method is intended for unfortunate individuals who have difficulty in looking for financial institutions which are just around the area. The moneylines are usually managed through the community in order to offer loans for individuals who are part of remote areas, and underserved markets. The money usually lent here is used for business purchases, working capital, home improvements, start-up capital, & property and equipment purchases, or personal loans.

The aforementioned are the types of loans that you can select from. It will help a lot for you to know what you really need before engaging into a certain kind. This is how you make a realistic decision for yourself. If you are not yet sure, it will not hurt to read more so that you can be guided accordingly.

When it comes to owning an overdraft, there is a need for a bank account. This borrowing method enables you to borrow money, but only for a particular limit. This may be perfected when the account does not have enough dime anymore. This is advantageous to individuals who want to overcome problems in short-term cash flows.

To purchase credit is also another method. With the presence of a credit arrangement, or credit card, the services and goods may be paid for.

How Do You Get Approval for Commercial Property Loan? (1/30/2018)

Once you decide to invest in a piece of commercial real estate, there is a big chance that you are to take out a mortgage so that you may pay the cost off. This is almost the same with a residential purchase. However, there are factors that set them apart, most especially when approval is concerned.

To seek approval for a commercial real estate is challenging. It demands a tenfold of requirements. Consequently, commercial mortgage lenders ask for various financial aspects such as credit check, property appraisal, downpayment, and even the Debt Service Coverage Ratio.

If you plan to apply for a commercial property loan, what should you expect from the process?

Applying for a Commercial Property Loan

  • In order to determine the market value of your prospect commercial building together with the land it covers, a property appraisal is necessary. This appraisal controls the lender from providing you money that is less or too much for the worth of the property. As that is the case, the risk on the part of the lender is reduced. Appraisals are completed for residential home purchases; however, their price-deciding elements are not the same.
  • The appraisal value of the commercial real estate you plan on taking will not only be calculated from its condition. Its location and size are also integral to the consideration. If it is more accessible, it is more expensive.
  • A good credit record is vital for an investment property loan. In residential mortgages, the mentioned credential is only a plus factor. That is different from this venture. Generally, commercial properties are costly. This is why the credit requirements can be stringent in nature. Hence, checking your score and credit history will matter. Lenders prefer a tenfold of income and asset for their documentation. This has been the practice ever since.
  • Your commercial real estate loan approval may also be influenced by the down payment you are shelling out for the transaction. Compared to residential borrowing where you can get away without doling out money, approval for commercial properties is different because it is affected by the upfront you will provide. If the down payment is large, the probability to earn approval is high. There is also a minimum here. It has to be 30 % to 45% of the whole cost. Check if you are capable of that already!
  • The DSCR or Debt Service Coverage Ratio of the mortgage will be looked upon for the commercial estate. This is known as the amount of money will be generated on a monthly basis. Rents and other fees are the usual sources for this. They have to be computed based on your monthly mortgage payment. The determined ratio will guide the lenders to discovering the reasonable amount that you can pay for your commercial property loan on a regular basis.

To plunge on a business is a big deal. It entails proper planning and scheming. If you are thinking of taking a commercial loan, know your rights and obligations!

Easy Ways to Save Money (1/23/2018)

The disturbing reality is that there are so many people today who do not think about saving. They only discover the importance of putting up for the future when they are faced with difficult financial situations already. It does not matter how much amount an individual receives every cutoff. Saving must be a priority!

There will come a point in a person’s life when he or she will be triggered to borrow money from the bank because there is no choice left. This is usually experienced by people who did not save anything. If this is your situation, there are tips that you can find purposeful.

Managing Finances

There are moments when the economy circles a downward spiral. This should be a wake-up call to everyone that nothing is permanent in this world. Even if this is the idea though, we cannot deny that saving is a challenge because let us face it – it is not that simple! Regardless, be prepared in times of financial hurdles.

What can you do in order to save for the future?

  • Find out your spending habits by tracking down your monthly expenditure. You can do this by keeping your receipts and analyzing them for a certain period of time.
  • Saving plans must be automatic. It should be an obligation you are willing to submit yourself in to. Commit to your schemes and delay leisure if it is called for!
  • If you find yourself with loose change, control yourself from spending. Instead, put them to savings. If you can invest, that will be much better.
  • Consider the most efficient bargains if you ever stumble upon a number of them. They are normally available. Look into them if you must!
  • Stay away from entertainment expenses that you do not even use. If you can sign up for free events and books for example, then take advantage of that! You might not need that premium subscription that much anyway!
  • Cut your phone bills. Is your phone package necessary? Is it still functional and useful to you? If it is idle already, maybe it is about time you change the way you employ your phone. This can save you money monthly.

These are simple money saving tips that you have to be aware of. Do not give yourself a hard time. If the steps are exorbitant for you and then perform them little by little. What matters most is that you are willing to start somewhere. Eventually, you will taste the fruit of your sacrifices.

There are other ways to save money of course. You should know which one works for you. To manage your finances practically is a way to protect yourself from crises. There is nothing to worry because this is surely within your control.

In order to implement the given techniques, you have to be determined and committed to change your lifestyle too. Doing this is the answer to a better life as well. Again, beginning the venture is the only way to know your capacity for this.

Common Business Finance Mistakes to be Avoided (1/23/2018)

There are common business financing mistakes that most owners should know. Keeping a close eye on them is the answer to survive the industry.

Truth be told – no one is exempted from making financing mistakes. However, if it is done all the time, it can affect the long-term success of a business. With this said, it is vital to reduce the chance of it happening again. How can this happen?

Understanding the usual mistakes business owners commit is the appropriate solution. Once this is completed, making better decisions becomes easier. So, what are these mistakes?

Myths about Business Financing

For anyone who wants their business to prosper, here are some practices they have to spare from doing:

No Monthly Booking

It is surprising how small businesses ignore the importance of a precise record keeping. They do not see the relevance of this until they are facing issues related to planning, cash flow, and business decision making.

Everything comes with a price tag. But, it will not hurt avail a bookkeeping service. This is affordable and beneficial. When this is already established, the cost may go down anyway. It may take time but getting there has always been feasible.

No Cash Flow Projection

Aside from a lack of bookkeeping plan, a business also becomes directionless without the right projection of cash flow. Keeping a score on this is vital to focus on the target.

Please remember though that it is not only about the projected cash flow. It is also about setting a realistic amount which the business may actually obtain.

As much as possible, conservatism must be present in the process, or else, the plan will only become unrealistic. It will not materialize at all.

Scarcity of Working Capital

The thing is that any hefty amount of record keeping will not assist if there is not enough working capital involved in the business operation. It has to be financed for.

Even prior to the startup, expansion or acquisition of a business, the accurate creation of a cash flow will unlikely work without a working capital at hand. This primary focus must not be ignored.

The idea is to achieve the normal sales cycle. This will not occur if there are only insufficient funds. Focus on this too!

Poor Management of Payment

Once a meaningful forecasting, working capital, and booking have been set, there is a big chance to face cash management problems after. This is most likely to occur. Resorting to deferring and stretching out payments can be dangerous. Do not even consider such.

This only shows that if one cannot identify the cash flow problem, extending the payments will not assist. Hence, it will only make the problem even way bigger. This is poor management. Do not ever do this!

Incompetence does not have a place in putting up a business. As one may see, one problem is connected to the other. Therefore, planning meticulously will always be the solution here. Give this time too!



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