Earlier this year, I was invited to Catholic Junior College to share with the students on financial planning. This was an interesting challenge: What can I share about financial planning with an audience that has no income, and likely, no interest in such a topic (mainly because they have no income)? I gamely took on the challenge and proposed to the students that one can embark on financial planning without any income on hand. All they need to do is to master these 3 things:

Everyone wants big wins. We want to be the first. We want to have a big breakthrough in our work, in our lives. If I daresay, we live for the big wins. And we think that to get big wins, we need bold moves. Our new year's resolutions tend to be bold. We set up gutsy strategic plans, and we plan for ambitious moves. And for most of us, we fizzle out. We then believe ourselves to be lazy. And we despair. Change is hard because people wear themselves out. And that’s the second

There are many terms that are being thrown out there, and oftentimes, the terms have specific meanings that are not consistently understood. I decided to write a bit on some of the terms in order to bring clarity to the issue of finance. In Part 2, you can look forward to understanding the finer differences between different investment types. (Note: The ideas here may also apply to stocks and bonds, but nothing in this article serves as advice to act or not to act. Please see

2023 has begun. How do you feel? Since 2020, life has changed so much. Circuit breaker, restricted movements, a new work-from-home environment, “a new normal”, and a shortage of fresh chicken. Even today, Covid-19 reminds us of its presence, either in newspapers or the fact that we have to put on masks each time we board public transport. But we persevered, found solutions, and overcame challenges, and as a result, we grew stronger. Most of us start the new year by reflecting

As I write this reflection, Michael Buble’s lyric punctuates the air: “It's the most wonderful time of the year”. The season of Christmas always brings sweetness to each moment and also invites us into a mood of reflection. 2022 is almost at the exit door, ready to leave, as we prepare to welcome 2023. Unlike the last two years of covid, we had a relatively ‘normal’ year. Most of us took any possible opportunity to travel out of Singapore. The little red passport that for th