Loans Application Made Easy By Understanding The Works Of Personal Loans In Singapore

Unplanned expenses pop up all the time. The trouble is when they pop up and there is no money saved for these rainy days. This is when a personal loan Singapore from Credit 21 Pte Ltd would be the best option for you.

When you are in need of an instant loan solution, it is difficult to have to wait for the loan to be approved. Banks and many other lending institutions usually take weeks to approve personal loans. Many of them will not give personal loans if there is no collateral to support the application.

At, we offer you an easy and convenient way to access money fast. We offer you both secured and unsecured personal loans at the most affordable interest rates. If you are in need of cash, we are the people to talk to.

Tired of filling out endless application forms? Tired of waiting for weeks for your approval? Tired of making and submitting mountains of documents? You can throw all that out of the window.

We at Credit 21 Pte Ltdoffer one of the easiest processes for accessing personal loans in Singapore. You only need to fill in our online application form and wait for our response. Responses typically take a few minutes to be sent. You can therefore access the cash on the very same day that you make the application. You’ll only have to sign the contract to have the cash released to your account or paid to you as cash.

We are a loan service provider that you can trust. You don’t have to worry about scams with us. We are a fully licensed moneylender in Singapore registered with the Registry of Moneylenders. You can check the registry to confirm our registration status. We have nothing to hide. We have provided loan services to many customers over the years. We are pleased to have them come back for more services or simply to say thank you.

Our staff is trained in customer service and fully understands the importance of providing the best in professional services. We place a great deal of emphasis on the protection of our clients’ privacy. We ensure that your information remains safe with us.

We operate by a strict code of ethics to ensure that all employees uphold the highest integrity in providing services to our customers

If you have any special needs or requirements when it comes to your personal loan, please contact us. We are always willing to make adjustments to suit our client’s special needs.

To find out know more about loan information and our company, simply visit


About Credit 21 Pte Ltd

Credit 21 Pte Ltd is a professional and fully licensed moneylending company based in Singapore. We have been approved by the Registry of Moneylenders (IPTO) to provide loan and moneylending services in the country. We provide loans to Singapore residents, PRs and foreigners who hold valid Singapore employment passes.

Best Deals on Gold IRA Accounts

I am going to try to switch a lot of my investments into gold, because I think that it will be safer that way. I am not sure how much gold will go up in the future, but I am rather certain that the price of gold is not going to go down. Apparently, it is one of the most stable commodities out there, and I am excited about investing in it. I think that I want to get a gold IRA and I am looking for companies that offer such investments.

I am really worried about the future of the world’s economy. It seems like every year, there is another country that is in trouble, and in need of a bailout. I do not know why countries are not better at managing their finances, but it is kind of troubling. Of course, the government of this country has a ton of debt, and that is unsettling as well. Continue reading

Married Life for a Bachelor

There was a time when I was younger that I thought I’d never get married. There was also a time when I was younger that I felt buying a home would be the most silly and absurd thing that I could. I honestly wanted to be able to stay a bachelor for the rest of my life. Fortunately for me a woman that I met had other plans for the bother of us! So here I am, married and now considering jumbo loans in order to put down a payment for a home. Sometimes it just takes a good woman or partner to help you see the stubbornness in your ways. Continue reading

Avoid the Debt and Save Your Money

After my parents bought their home with cash and preceded to take out a mortgage on it several years later only to turn around and lose it, I learned a valuable lesson from watching the chain of events which lead them to desperately seeking a new place to live. Debt, credit and everything to do with owing money is not for me. After college, I decided that I would have nothing to do with any of it! I would find my own by saving money of my own rather than building debt. Soon, I bought sunny isles condos for sale because I was able to do this. Because I worked hard, because I didn’t burden myself with a mountain of debt or interest rates – I don’t know how anyone is willing to do that to themselves. Interest rates just ensure that you are always going to be saving less than what you could have been without the card in the first place! It’s a ridiculous system that we have allowed ourselves to be bought by.

Just look at the numbers, people. Look at how many people are struggling with their finances because the promise of credit was far too good to pass up or because they lacked the knowledge and understanding necessary to handle it. It’s a shame that the credit companies are so willing, eager even, to target those individuals who do not have the necessary knowledge to be able to put the credit in context with the interest rates that are due within the framework of their own personal budget. Just look at how many people are not actively paying their debt and you will find the growing presence of a bubble that is straining even now as it threatens to burst. It’s only going to be a few years before it happens.

I Guess This is an Emergency

It is not like I do not know that only an idiot takes a pay day loan, but that some of the time has to include people who are just desperate. In this instance I need a car to get to work and if I do not have a car to get to work, the boss will fire me and get some guy who can get to the job. I am looking here, and trying to figure out which one of these pirates is going to be more gentle than the other pirates, but so far it is not all that much fun to think about it. Continue reading

Finding Success on the Web

Thanks to incredible accessibility to the web, people all over the world now have the ability to start their own personal business with the ease of formulating an idea and making a website to give people access to whatever you might be trying to sell! With programs like partner with anthony, which will show you how to start your very own business line, you will soon find yourself making a profit in no time at all. Personally, I went the route of starting my own blog and working with affiliates in order to create a backlinking network inn order to capitalize on Search Engine Optimization tactics. Continue reading

Accounting Malpractices Continue Even After Reforms

New revelations about the erstwhile Lehman Brothers Holdings Inc, have shown that governmental measures to curb accountancy malpractices have failed as exemplified in this case.

The Sarbanes-Oxley Act, which was approved by Congress in 2002, was aimed towards tighter regulation and monitoring of corporate accounting. It was prompted by the anomalies uncovered in Enron Corp and WorldCom Inc, companies that later folded. But despite these measures, misleading accounting is still prevalent in the corporate world, as was revealed by a recent report by an examiner on Lehman Brothers.

The bankruptcy examiner for Lehman Brothers Holdings Inc has reported that he has uncovered some anomalies in the company’s audit conducted by Ernst & Young showing that the auditor gave preference to the client’s interest over that of the company’s investors.

Anton Valukas’decision to maintain silence

Examiner Anton Valukas stated that Ernst & Young chose to remain silent about the billions of dollars worth of transactions that were conducted by Lehman to hide assets. Real estate assets are not always easy to hide- especially on prominent markets abroad in high profile Monaco- but certain assets are easily covered up. Given this, the examiner has raised concerns about the effectiveness of the many measures that were taken post Enron to address these failings in the regulatory framework.

Interestingly, Lehman was Ernst and Young’s only Wall Street client, and the fees paid to the auditors exceeded that from their other prestigious clients like Wal-Mart. There were also many ex-Ernst and Young employees among Lehman’s top management ranks, like Christopher O’Meara who held the post of CFO at Lehman Brothers. Based on the findings of the report, O’Meara may well be personally liable to the creditors. O’Meara however denied the accusations.

Ernst & Young’s reaction to criticisms

Meanwhile Ernst & Young’s spokesperson Charles Perkins said that these criticisms are being viewed seriously in view of the fact that the firm had followed the highest standards of ethics in its audit of Lehman Brothers.

The erstwhile CEO of Lehman’s, Richard Fuld, who held the reins of the company until its bankruptcy in 2008 has also been targeted by examiner Valukas. He has been accused of gross negligence in allowing his company to present a misleading picture of its finances.

The importance of investor interests

Considering that audited reports are completely trusted by the general public and investors, it is imperative that auditors keep investor interests before anything else including their own profit making. The Center for Audit Quality reports that most investors base their decisions on audit reports released by the companies. This was a major consideration in the government’s move to bring in measures like the Sarbanes-Oxley act to clean up the accounting systems at companies across the country.

Getting the Right Loan when You Need It

The financial world can be a rough one, especially when you are struggling to come up with cash for an unexpected expense. Few people are fortunate enough to live a life where extra cash is just sitting around and able to handle almost any unexpected twist. Even those who are careful about saving can be caught off guard by things like medical bills or other accidents. It is really unfortunate, but the bottom line is that sometimes people need a little help paying for things. It does not have to be a bad thing, a payday loan in singapore can work well assuming you are able to find a plan that works for you.

Of course loans are definitely not some sort of one-size-fits-all setup, as everyone has different needs and preferences. It is important to find a very flexible company that can offer a wide range of plans and options for dealing with the payment process.

The Immortality of Gold’s Value

For more than 3 millenniums gold served as an asset that allowed people to store wealth to prepare them for bad times ahead. Men realized gold’s scarcity even thousands ofyears ago as it was not as easy to find as most other metals were. With each passing yeargold became scarcer and more valuable than ever before. The fact is that gold is 6 fold scarcer than platinum and almost 20 fold scarcer than argentums (silver).

Another trait about this rare substance is that it is quite nearly impossible to disintegrate as it is unaffected by oxygen or even some of the strongest corrosive solutions such as hydrogen sulfide, and thus gold does not rust or decay or even tarnish easily. The fact thatgold melts at 1063 degrees Celsius ensures that gold stays in impeccable conditionthrough long periods of time. Most of the gold that has been mined over the centuries is still surviving to this very day, however new deposits of gold to mine are becoming harder to find than ever before, plus the cost of mining gold has increased tremendously. The annual growth of gold supply in the world is lesser than 2 % and the cost of mining an ounce of gold has increased by nearly 30 %. Continue reading