UPCOMING NLB TALKS

Date: Saturday, 5 November 2011
Time: 04.30pm – 6.00pm
Venue: Programme Zone in Bedok Public Library
Language: Chinese
Fees: Free
For more information, email dpcb@dpgroup.com.sg

MID-CAREER CREDIT CONSCIOUSNESS

You are in the middle of your career and you need to start managing your income. What do you need to plan for in terms of finance and credit management when you are single, planning for marriage or recently married? What actions should you take to start planning for retirement? It’s never too late to start! Join us for critical insight into planning for a golden retirement.

WEALTH MANAGEMENT FOR RETIREMENT
• Planning ahead for a comfortable retirement
• Building a balanced portfolio - wealth accumulation
• How to obtain credit when your money is tied up in investments
• Understanding gearing
• What types of investment options are open to me – risk?
• Investment products – insurance, stocks & shares, unit trusts

IMPORTANCE OF CREDIT REPORT (DP Credit Bureau)
• Maintaining your reputation collateral – credit report
• How to manage your personal credit reputation over time

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Date: Saturday, 14 January 2012
Time: 11.00am – 12.30pm
Venue: Programme Zone in Woodlands Regional Library
Language: Chinese
Fees: Free
For more information, email dpcb@dpgroup.com.sg

MANAGING MONEY, CREDIT & LIFE

You are concerned with how you are managing your finances in life and would like to learn more about how basic information about you and how you have been managing your money in terms of credit lines, are being interpreted by the banks and lenders. You would like to understand how your behaviour is measured and interpreted in credit approvals and how your score can help you plan your finances through a worry-free life.

UNDERSTANDING BANKING, FINANCING & PLANNING
• First things first – building a relationship with a financial institution
• Bank loans – Different types, fixed vs variable interest rate, effective interest rate
• Decisions, decisions, decisions - big ticket items – house and car

THE CREDIT CARD & THOSE LOANS
• Maximising your credit cards
• How your card can help you save or get you into trouble
• Evaluating which loans programs suit your needs
• Understanding your debt obligations over time
• Understanding how you should manage your debt profile using DP-Delphi Score

WHAT IS INVESTMENT & RISK
• What types of investment products are there out there?
• How do you know which investment products suit your needs?
• How much risk are you willing to take?

IMPORTANCE OF CREDIT REPORT (DP Credit Bureau)
• Maintaining your reputational collateral – credit report
• How to manage your personal credit reputation over time

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