Showing posts from September, 2019

Alert and warning on BiteBTC

Alert and warning on BiteBTC Dear Readers,
It has come to our attention that a cryptocurrency exchange, under the name of, has been FRAUDULENTLY using our name to operate and promote their exchange, cheating investors of their hard earn money through investments in cryptocurrencies on their platform. The footer of BiteBTC's website previously claimed to be operated by FinanceFirst Pte. Ltd and was located in Singapore with our rightful UEN identifier. After being alerted by various users, have since changed the footer of their website where it claims to be operated by a company named 'First Finance LLC', located in Seychelles (East Africa).
Investment Stab is a blog under the company, FinanceFirst Pte Ltd. We are not involved in any cryptocurrency exchange activities or stored value facility. Any activities by are not associated with or carried by us. As to reasons why our details and UEN identifier were listed and misappropriated by Bi…

Build an Emergency Fund: Avoid Financial Disaster

Build an Emergency Fund: Avoid Financial Disaster Life’s usually pretty amazing. But when it throws an emergency at you, can your wallet handle it? According to a recent study by the Urban Institute, nearly 22% of adults struggled to cover a $400 unexpected expense. People between ages 18-34 were hit the hardest and were more prone to using risky, high-interest means like credit cards to make ends meet, resulting in greater financial stress. To avoid facing the same fate, you need to build and maintain a healthy emergency fund. What’s that? It’s a pool of money that’s only gets used when life throws you a major curveball. That way, when your car breaks down, your pet gets sick, or you lose your job, you’ll have the cash stashed away to deal with it without taking on more debt. Follow the steps below and you’ll be well on your way to dealing with the unexpected with ease. Determine Your NeedsSince everyone’s situation is different, there is no hard and fast rule about how much you need to…

How to Save Money Each Month While Paying Off Debt

How to Save Money Each Month While Paying Off Debt You have tons of debt that you want gone. But you also have other important financial goals, like saving money, that need your attention. These competing priorities can make you feel like you’re trapped in a chicken or the egg cycle. If you pay down your credit card debt, you’ll have more wiggle room in your budget and can save that extra cash. But, if you save more money, you won’t have to whip out your credit card next time an unplanned expense pops up. So do you pay off debt or save? The short answer is: it depends Here’s your plan of attack to slay debt and pad your bank account: Divide and ConquerTo work on both goals simultaneously, you’ll have to split your available resources between them. But, you need a clear plan to ensure that you allocate your dollars in the most effective way. To get started, prioritise your debts and savings goals, keeping these things in mind: High-interest debt will sink you. If you only make the minimum …

10 Ways to Save on Insurance

10 Ways to Save on Insurance
Having insurance is great when the universe decides it’s time to give you a major (or even minor) problem. But when you can get a policy for practically anything, it’s easy to spend more on protecting your life than living it. Don’t worry, though. We can help you keep these expenses under control while still getting the coverage that you need.
Here are ten ways to be protected for less:
1. Assess Your Needs Rather than buying a coverage simply because you think you should, it’s important to consider your specific situation. Your life today and your future plans should dictate what insurance policies you need and how much coverage is appropriate. Although there are lots of factors to consider for each type of insurance, you should think about the following to determine your needs: Your assets: More assets (cash, investments, businesses, property, etc.) may mean more insuranceYour family:Having dependents typically requires more coverageYour health: Poor health c…

Spend $40 and Reach Starbucks Gold Membership

Spend $40 and Reach Starbucks Gold Membership
This is the young adult's symbol of status, and how much we are willing to splurge for coffee.
This Starbucks Gold Card is only available to those who spent $300 per year via their Starbucks card.
That's about $25 per month.
But fret not, here is 1 trick that I have been using for the past several years to maintain my Gold status without burning a hole in my pocket, and here's how you can too!

Most of us are trying to reach Gold status via our own effort. I applaud you for that though I think you have started to realise that you either spent too much on Starbucks or you seem to never be able to reach Gold level although you seem to drink quite a lot of their Frappucino.

The trick here is to rely on the collective effort of the people around you to help you reach that Gold (pun intended).
Here are some ways I use to reach Gold:

1. Buy Starbucks on behalf of friends and colleagues
We all have friends who once in a while wants to drink St…