Personal Finance
The Fourth Quarter of Calendar Year 2011
By Five Cents Ten Cents  •  October 14, 2011

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It’s the last three months for calendar year 2011. For some if your organisations have hit substantially the key performance indicators set at the beginning of the year, it’s time for staff to clear leave and set aside some down time to recharge, rejunvenate and to refresh.

For others, they may have to push harder at work, business or personal lives to achieve the goals they set out at the start of 2011.

Whatever is the reason, the coming of the end of year in the next 1-2 months heralds the mood for retrospection and reflection.

What have we achieved in 2011?

What do we want to pursue in 2012?

What will the future hold for us and how have we managed our time on the present and the past?

Busy is good

Work-wise, the ironic thing is that things are getting busier towards the year-end partly because I am ...

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By Five Cents Ten Cents
PanzerGrenadier is a 30-something accountant who finally grasped the concept of financial freedom at the ripe old age of 32. Ever since, he has been travelling on his journey towards financial freedom and documenting his adventures through his blog "fivecentstencents". PanzerGrenadier allocates his non-work time in between living within his means, saving and investing as well as spending quality time with family. He is an avid toastmaster and has completed 10 years of being a reservist conscript in the Lion City.
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