What is investing all about? How do you start?

If you have decided to enter the world of investing, learning how to invest must now dominate your time and focus. Two steps will help you on your way.

Defining investing

In essence, investing involves spending your time, effort and resources to attain a higher objective. For instance, you spend weekends with a social group to do charitable work, use your talent in the arts to create works of beauty and value or apply your profession in your job or your business to earn a living. In the same way that you do these things hoping to gain valuable rewards, you likewise invest your money in a bond, mutual fund or stock, just be careful of investment scams online, but with the goal of achieving material benefits in the future.

Eradicate your debts now

Now that you are eager to go ahead and start investing once you learn how to, you certainly would want to know the next step. But rein in your enthusiasm for a while. Hold your horses while you check if you are really ready to take the ride of your life in investing. Now that you see the possibilities opened to you through the magic of compounded returns, you have to protect yourself from the same trap which you could be unwittingly locked in. Do away with high-interest debts that you may have at the present.

Reward yourself first of all

To succeed as an investor, you must make investing an integral part of every day. That may sound difficult or tedious; but not really. You must realize that the act of buying something, say a cappuccino, will influence your daily finances as much as acquiring a home-equity loan to cover your credit-card payments.

Active and passive methods of investing

There are two primary methods of stock investing: active and passive management; and they differ on how stocks are chosen, not on how you choose your verbs. Active investing involves selecting stocks yourself or you can ask your brokers or fund managers to pick the stocks, bonds, and other forms of investments. Passive investing requires you to let your holdings follow an index which a third party makes.

Speculating versus investing

Perhaps, you may have heard of a close friend who struck it rich with options. Or you may have had moments of lucky streaks in the past where you won a sizeable amount of cash from a raffle or lottery. Why should you then enter into a long and slow process of investing your money which can only bring you a double-digit gain and not bundles of cash right away? Investing demands years of patience before you can finally reap the good harvest. What if you cannot wait that long?

Planning and setting objectives

Investing is a long-term process, like planning a long vacation. Ask yourself these questions before you embark on this endeavor:

• What is your destination? (What financial goals do you have?)

• How long is your vacation? (What is your time frame in investing?)

• What should you bring along? (What investments forms will you choose?)

• How much gas do you need to use? (How much will you invest to achieve your goals? How much can you invest a regular plan?)

• Do you have stopovers on the way? (What short-term financial expenses do you have?)

• How long is your vacation? (Will you have to retire using your investment?)

• If you run out of gas because you frequently stop to rest and drive through the night, you are bound to spoil your vacation. So it is if you do not save enough money, if you invest haphazardly or fail to invest at all.

How stock trading works

Now that you have set your finances in order and you have also established definite financial objectives, you are now ready to learn how to begin investing. With mutual funds, the procedure is quite easy: Call the fund company and request them to open an account for you. Dealing with stocks can be a more challenging endeavor.

The dangers of margin

Through a brokerage account, you can choose between a cash account or a margin account. A cash account allows you trade using available money you are willing to invest. A margin account allows you to buy stocks using other people’s money – which you borrow. Margin accounts can be attractive for obvious reasons; however, the risks can be significant.


Now that you have gained enough background information on how to start investing in stocks, as well as what your financial goals are, how much money you will need to invest, how long it will take to recover your investment, the next move is to begin considering where to invest and the kind of potential gain you hope to make.

You can get more info from our newsletter services which we offer free for one month. Our contributors may have diverse views on many issues; but this fact helps to provide you with a wide selection of insights and perspectives on how to succeed in investing. We have a disclosure policy which allows us to be fully transparent in all transactions.

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Ah, spring! Warm breezes, chirping birds, blooming trees – and sniffling, congestion and all-around misery. Spring allergies, AKA hay fever, AKA allergic rhinitis, can last for weeks or even months, says Sherry Farzan, MD, an allergist at Long Island Jewish Medical Center and North Shore University Hospital. But paying attention to a few critical numbers may help you find a little relief.

2 weeks

If you experience symptoms like sneezing, runny nose, and red, watery eyes for more than two weeks, it’s a good bet you have allergies, not a cold -- see your doctor. (On the other hand, a fever suggests that a cold is to blame.)

20 million

In the United States, nearly 20 million adults and more than 6 million children have hay fever. If you suffer in the springtime, you’re probably sensitive to pollen or mold spores. An allergist can do a skin or blood test to identify your individual triggers.

5 degrees

This past winter broke records in the United States, with temperatures averaging nearly 5 degrees above the 20th-century average. Warmer winters mean earlier, longer and more severe allergy seasons, experts say.

5 to 10 a.m.

Pollen levels are usually highest between 5 a.m. and 10 a.m., so try to stay indoors during those hours, with the windows closed. If you have to go out, wear a hat and sunglasses to shield yourself from pollen, Farzan says.

3 to 4 days

An over-the-counter nasal decongestant can relieve stuffiness in a pinch, but if you use it for more than three or four days in a row, it can cause a rebound effect that makes your nose even more congested. If you need longer-term relief, an allergist can prescribe you something that won’t backfire.

90 percent

Allergy shots, also called immunotherapy, can reduce symptoms in 90 percent of people with seasonal allergies, Farzan says. You’ll need them weekly at first -- but eventually, once a month will do the trick.



Did you know that eye exams are an important part of your overall health -- even if you have perfect vision? It’s true: Starting at age 40, every adult should see an optometrist or ophthalmologist at least once every two to four years. As you get older (or develop vision problems), that frequency should increase.

“A lot of eye-related conditions -- like glaucoma or age-related macular degeneration -- don’t cause symptoms until they’re quite advanced,” says ophthalmologist Carolyn Shih, MD, assistant clinical professor at Hofstra Northwell School of Medicine. “If we catch them early, we can treat them or prevent them from getting worse.”

In case that’s not enough to convince you, eye exams may also help identify health problems that have nothing to do with your vision -- like diabetes, multiple sclerosis, even a brain tumor. “Examination of the eye’s retinal blood vessel or the optic nerve can tell us a lot about what’s going on elsewhere in the body, even if you don’t feel anything out of the ordinary,” adds Shih.

March is Save Your Vision Month. If you’re 40 or older and can’t remember the last time you had a comprehensive eye exam, make an appointment to get one soon. In the meantime, here are four more easy ways to protect your peepers every day.

Sport the right sunglasses. Exposure to the sun’s ultraviolet rays can increase your risk for cataracts and macular degeneration. Choose lenses that promise to block 99 to 100 percent of UVA and UVB rays, and wear them year-round -- not just in the summer.

Follow the 20-20-20 rule. To avoid eye strain while working on an electronic device, take a 20-second break every 20 minutes and look at something 20 feet away.

Practice good eye-giene. If you wear contact lenses, always wash your hands before putting them in or taking them out. Be sure to disinfect your contacts between uses, and never wear them for longer than instructed.

Watch the scale. Being overweight can raise your risk for diabetic eye disease and glaucoma. Talk to your doctor about how diet and exercise changes can help you shed unwanted pounds.



The exponential surge in online fraud and cybercrime saw almost 6 million offences committed last year, meaning around one in 10 adults in the UK were victims

According to the latest findings from the Crime Survey for England and Wales, fraud has now become the most prevalent crime in the country with people 10 times more likely to become a fraud victim than they are to suffer a theft.

What is clear is that fraud is an insidious problem that challenges all businesses in the UK and around the globe.

For far too long, fraud has been viewed as a victimless crime. On the contrary, it is continually being used by criminals for monetary gain.

It is also used to fund a wide spectrum of illegal activities including drug dealing, human trafficking and even the funding of terrorism. Very often, the victims are oblivious to the risks of transacting online and are amongst more vulnerable members of society.

An evolving threat

Fraud has evolved from simple and opportunistic modus operandi to more complex scenarios.

Fraudsters are becoming increasingly sophisticated, making use of techniques ranging from social engineering such as phishing or vishing to cyber-enabled malware attacks.

They also often hide within complex networks where they employ ‘mules’ to do their bidding.

Those networks are often hard to detect as they combine fraudulent activity with legitimate and compliant transactions.

Also contributing to the rising velocity of fraud is the proliferation of online services and the anonymity those digital channels provide to consumers.

For example, when making insurance claims it’s easy to inflate the value of a damaged or stolen item or to add a few additional items to the claim, therefore resulting in what’s often referred to as ‘soft fraud’.

Adopt a constant state of readiness

Organisations must be in a constant state of readiness and need a multi-layered and pragmatic strategy to curb this threat.

It is critical that organisations adopt a holistic approach that encompasses data management, fraud detection, as well as robust policies and strict internal governance to ensure that their exposure to fraud is brought down to a minimum.

The ability to analyse high volumes of data quickly, in real time, is becoming more and more a ‘business critical’ requirement. Organisations must start with enhancing their data quality, as well as collating and linking different data types coming into the organisation.

The use of data analytics is often understated but could yield significant value for organisations wishing to adopt a superior approach to monitoring and detection.

Better fraud detection tools, better business

For businesses, fraud introduces additional costs that impinge on growth, performance and productivity. On a wider scale, it undermines sustained economic progress and the operation of free markets.

The onus is therefore on individuals and businesses alike to deter and report instances of fraud.

According to SAS research with the Centre for Economic and Business Research, efficiencies from better fraud detection tools could total £290m from 2015 to 2020. Such tools include advanced analytics which will enable businesses to intervene and prevent fraud before it happens.

Lastly but crucially, people at the head of organisations should lead by example and nurture a culture of zero tolerance towards fraud and other forms of financial crime within their organisation.

There should not only be policies but enforcement of those policies in the way that day-to-day business is conducted, both internally and with external parties.

With increased government focus and regulatory scrutiny on financial crime, businesses found cutting corners will be exposed and be subject to potential fines.

For small to medium organisations, the associated reputational damage may undermine their very ability to exist in the future. Find out what it takes to develop effective fraud management to help identify suspicious transactions and networks before the money leaves your premises.



We have arrangeda regular monthly socialat Power Kids Gym (formerly JWT) UE Square. This is a soft play gym with asprung floor and lots of soft play equipment, ideal for all ages.

You can registeryour interest in attending this event via the NMSG Meetup Group

· Please note that the maximum number ofchildren is 30 and the cost is $5 per child.

· Socks or bare feet only please.

· There will be no Paediatricianattending this event.

· Please note, due to the popularity ofthis venue, we have started a first come / first served system as there is alimit to the number of children/adults permitted in Power Kids Gym at any onetime.

· Meet-up registration does notguarantee you a place at our regular socials.

· Power Kids Gym is kindly offering ourmembers the following promotion:

· 1x Free Trial Class (worth $42)

· 1x Membership Fee Waived (worth $60)

· Kid’s Night Out at $49 only! (UsualPrice $79). Kids’ Night out is our 4 hour Drop your kids off party, filled withsome high energy activities, where they will navigate through obstacle courses,create fabulous crafts, have a pizza and go wild with our trainers. Parentsenjoy the night out without the kids.


3pm - 4.30pm onthe following dates in 2016

8 November

13 December


Power Kids Gym

81 ClemenceauAvenue

UE Square, #02-12

Singapore 239917


Pip Johnson



Set up nearly 20 years ago, New Mothers Support Group Singapore is the original support group for new mums and mums new to Singapore. We offer a chance to start friendships and build support through regular socials, walks, wellness groups, parties and seasonal events. New Mothers Support Group Singapore also offer information on all aspects of parenting under 5s through talks and our newsletters, as well as discounts with local retailers - why not join us?

If you have any questions please drop us an email with your enquiry.

Our Committee

NMSG is a not for profit organization and our committee is made up of mums who kindly volunteer their time to help setup, manage and run our events.

Click here to find out more about our committee members.

From time to time we have vacancies or new roles in our committee, if you are interested in joining our committee then drop us an email.



Whilst the vast majority of websites in Japan are of genuinebusiness companies, but it is also a sad fact that online scams and fraud arealive, well and are very big business in Japan and rest of the world. It isvery important to be smart and stay safe by exercising all due precaution anddo not become a fraud victim.

One of the most troubling concerns of today's economy is thepossibility of internet fraud. If you plan to buy a car, machinery, instrument,electronic, or anything from an exporter in Japan, it is strongly recommendedfor your own safety to verify any Japanese website or company's status underthe "Japan Company Trust Organization". The most important thingbefore sending the money is to verify reality of a company, as online fraudsand scams are increasing rapidly.

Since Japanese companies are respected for honesty, fraudsterstake advantage of good reputation of Japanese enterprises. Many criminals inJapan has launched fake websites by showing them as legitimate business to gainvictim’s trust and pretending to be real business. When somebody sends themmoney, they simply disappear. The internet fraud is damaging business of realJapanese companies. Since Japanese law is very strict against the fraud, thisOrganization reports all fraud attempts to the Japanese police department.

Online frauds take different forms to directconsumers to a fraudulent website that looks legitimate. Such websites claimtheir credibility and honesty and then commit a fraud. Those websites aredesigned by the professionals and even a very careful person can be a victim.Always remember if you are a professional business person, impostors are fraudspecialists. They have such high tech that sometimes you will never realizethem. A fraud website can appear legitimate, but you can verify on JCTOdatabase, which will help you avoid being deceived.

For your own protection, the Japan Company Trust Organizationwarns you to reconfirm a website or company's reality at our database beforeany purchase. Just by typing company’s name in JCTO’s search box and you willfind reality of that company. The Japan Company Trust Organization is ananti-fraud organization in Japan, fighting against the online-fraud.

This Organization has a close connection with Japanese police, andall fraud-attempts are immediately reported to Japanese Police Department. Before registration, JCTO verify thecompany’s profile including registration, license, and physical address. JapanCompany Trust Organization warns you NOT to remit money to any so-calledJapanese company without verification and your full satisfaction.



With the rise of technology, an entirely new art forms areevolving. Music is a form of art that is prone to piracy due to the nature ofmodern digital technology. However, traditional artworks such as paintings and sculpturesare one thing that cannot be easily forged by some. To ensure that you get theoriginal work of an artist, you will need a trusted art collector or a finearts specialist to help and guide you. Hawkfield Gallery might be able toassist you.

Hawkfield Gallery specializes in 20th and 21st century Americanfine art and folk art. Their interest spans from American impressionism,decorative songbirds, shore-bird decoys and wildlife bronze sculptures.

The owner of Hawkfield Consultants Gallery is Sally Caverly who has animpressive passion in collecting arts for more than 25 years. She got her starton Bachelor of Arts in Marketing and later on holds a Master’s degree inEducation. She also became a Market Research Division Director of a majorpublishing house. Their gallery is located along Boston’s South Shore, midwaybetween Cape Cod and Boston.

Hawkfield Gallery’s website is an exclusive space where you canfind an actual collection of artworks from various painters and sculptures. Artexperts of Hawkfield are always available to guide and advise their clients.Visit their website and take a look at their impressive list of artworks camefrom various talented artist.



Why are these statements alllies?


"The honeymoon is over.We can't get the spark back in our marriage."


"When I married you, Iexpected you'd stay in love with me."


"This other person is mysoul mate and so I've got to get a divorce."


When you meet someone and fallin love, it seems like your love will last forever. So you get married. Youwant a permanent feeling of love. Yet sooner or later, it happens . . . no morespark.


Maybe a marriagecounselor tells you to take a weekend trip together. If you enjoy the weekend,you might feel a little spark again. But once you get back to your routine, thehoneymoon is over again.


Maybe you try a drug or drinksome wine to make your marriage better. If it helps, it is only temporary andthen drops to new lows. Besides, who wants to depend on a chemical for a goodmarriage?


All too often, husbands andwives give up. They either learn to live with a dead relationship or get divorced.


The biggest lie is that onceyou get married, you can sit back and enjoy it. Unfortunately, a marriage doesnot exist just because you have a marriage license. A family does not existjust because you have children. Read more articles and advice from Meir Ezra




Consumer Fraud and Product Liability: Practice Details

Class Actions

Cornerstone Research has addressed issues of certification, exposure, reliance, impact, and damages in class actions. Key questions in these cases may include whether common evidence can prove that certain challenged conduct caused each member of the proposed class to make a purchase and whether the challenged conduct injured each member of the proposed class. An additional consideration is whether each proposed class member's damages, if any, can be determined by common proof.

We have worked on class actions involving allegations of:

- The benefit of the bargain harm, where plaintiffs claim that consumers would have allegedly paid less or not purchased the product at issue had they not allegedly been misled or had defendants not acted in in bad faith, because of improper labeling, advertising, or disclosure

- Diminished resale value of a durable good due to the challenged conduct

- Demand and price inflation claims that plaintiffs argue caused class-wide impact, even for consumers who were not influenced by the challenged conduct

Class certification in these cases frequently turns on the particulars of the challenged conduct, the overall structure of the industry and the market, and the characteristics of individual transactions. We evaluate these issues through empirical research within a framework of sound economic concepts.

Consumer Finance

We have worked on consumer finance cases involving credit cards, checking accounts, and pension plan choices. Our experience encompasses fraud and misrepresentation allegations as well as deceptive advertising and inadequate disclosure claims.


In several technology and manufacturing cases, attorneys have retained Cornerstone Research to analyze issues related to alleged false advertising, deception, product liability, and demand and price inflation.


Cornerstone Research has rich experience in analyzing causation, impact, and damages issues in the automobile industry. We have addressed allegations of benefit of the bargain harm and diminished resale value in these cases.

Individual Actions

Individual actions involving allegations of fraud and misrepresentation are often brought by a defendant's competitors. These cases may require a focus on the relevant market, quantification of the effect of the challenged conduct on demand and prices for competing products, and estimation of damages suffered by competitors due to the defendant's alleged fraud or misrepresentation.

Pharmaceuticals and Healthcare

We have worked on several cases involving allegations of fraud and misrepresentation in pharmaceutical and healthcare matters.

Other Consumer Products

Our staff have assessed allegations of false advertising, deception, and product liability in many consumer products.

Capabilities in Statistics, Surveys, and Large Database Analyses

Analyses in cases involving allegations of consumer fraud and product liability often require the ability to conduct surveys, analyze company and public data, and work with large datasets. In several cases, we have conducted original surveys of market participants to determine consumer behavior, attitudes, and preferences. In other cases, we have been able to draw inferences from company and public data about the factors driving consumers' decisions.