Never assume your lender will take charge of your finance. Take a pro-active role in managing your own personal finance. It is your matter, not theirs.

Your home loan may be the largest ticket item of your life. It is therefore logical and sensible to pay the most attention to it.

The interest rates are at its lowest point now because of the economic turmoil. People in the market are going for floating housing loans because the combination of both the teaser rate and low interest rate, result in initial rates that are irresistible. I advise against you against that ...

Leveraging on debts is definitely a useful method for gaining more wealth. The issue is, do you have your own set of risk management system to ensure you do not take on more debts than needed?

It may be a good idea to get some equity out from your property for some renovation or to fund that investment idea. Using equity from your property is much cheaper than other types of credit facilities...

A good measure of debts can help you in achieving your goals. However, an over dosage can produce nasty problems in the future...