Author: Follow the Hive

Financial Literacy: An Introduction (Part 1)

Financial Literacy: An Introduction (Part 1) General Finances, Savings, SpendingBy Gibs, 16th November 2018 Financial literacy has many definitions. One of our favourite ones is knowing how money works, and how you can put money to work for you. Others define it as how well one can understand budgeting, and apply financial prudence to life decisions. In general, financial literacy refers to how well one can manage their financial resources effectively throughout their life, and how well they are able to plan for their financial goals. Why is important for us to be financially literate? Quoting Futurpreneur, “Research studies...

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Podcast 25 – I Was So Tempted

Podcast 25 – I Was So Tempted PodcastsBy Gibs, 7th November 2018 Does choosing between instant or delayed gratification have an impact on our finances? In last week’s podcast, Qiuyan and Michael discussed some definitions and what factors may cause us to lean one way or the other. This week, they dove deeper into the financial implications of instant versus delayed gratification, and tried to determine how it directly affects our decisions in the areas of loans and investments. Before they did that, they took a look at the results of the quiz that was written about...

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Financial Wisdom in Delayed Gratification – Part 3

Financial Wisdom in Delayed Gratification – Part 3 PsychologyBy Gibs, 2nd November 2018 In Parts 1 and 2 of this mini-series, we introduced the concept of instant and delayed gratification, and how it has possible implications on our decision-making and finances. Join us today for the 3rd and final part of this series, where we discuss practical steps on how to improve our financial self-awareness and avoid the pitfalls of instant gratification. (If you have not read Parts 1 and 2, it would be great if you did to benefit best from this series.) Financial prudence seems simple in...

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Podcast 24 – The Key Word is Balance

Podcast 24 – The Key Word is Balance Podcasts By hiveup, 29th October 2018 Qiuyan and Michael talked about instant versus delayed gratification…in life and in investing. How does one’s personality impact the way you live and invest? Does your personality affect the way you make decisions? Instant gratification generally refers to the impulsive decisions we make for the sake of immediate pleasure. It’s about getting exactly what we want, right when we want it. In contrast, delayed gratification is the ability to resist those impulses for immediate pleasure, in order to receive something better in the future. Do we choose...

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Financial Wisdom in Delayed Gratification – Part 2

Does choosing between instant or delayed gratification have an impact on our finances? In our previous article, we introduced the definitions and what factors may cause us to lean towards one or the other (click here to read). Today, we will be diving deeper into the financial implications of instant versus delayed gratification, and learn more if it directly affects our decisions in the areas of loans and investments. But just before we do that, let’s take a look at the results of the quiz in Part 1. Which category did you fall under? It seems that a good number...

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Podcast Episode 23 – Robo-Advisors, A Snapshot

Podcast Episode 23 – Robo-Advisors, A Snapshot PodcastsBy hiveup, 12th October 2018 Qiuyan and Michael talked a lot about Robo-Advisory and based a lot of their discussion on an article written in Wealth In Asia… “Robo-advisors have gained in popularity since they first launched a decade ago, with more platforms and Fintech companies arriving on the scene to take a slice of the pie away from traditional wealth managers. In general terms, the robo-advisory model offers investors automated investment strategies that factor in one’s risk tolerance and time horizon. Algorithm-driven processes then invest and manage your portfolio. As the...

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Financial Wisdom in Delayed Gratification (Part 1)

Does your personality affect the way you make decisions? Join us in this mini series as we explore what instant and delayed gratification are, and their implications on your finances. Instant gratification generally refers to the impulsive decisions we make for the sake of immediate pleasure. It’s about getting exactly what we want, right when we want it. In contrast, delayed gratification is the ability to resist those impulses for immediate pleasure, in order to receive something better in the future. Do we choose to satisfy our sweet tooth, or reap the benefits of a healthy eating plan? Do we...

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Guide To Choosing An Independent Asset Manager (Part Two)

Last week, we talked about what independent asset managers are, and what they can do for you (click here to read). Join us today as we list the key factors that you should consider when evaluating prospective independent asset managers:   1. Size Large asset management firms score over their smaller competitors on several counts. The in-house portfolio management expertise that a client will have access to will usually be stronger. In addition to this, it is likely that an independent asset manager that has assets under management of several billion dollars will have access to a wider range of...

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Podcast Episode 22 – Information Is Everywhere

Podcast Episode 22 – Information Is Everywhere Podcasts By hiveup, 18th September 2018 Qiuyan and Michael talked about how Skype makes every conversation start with, ‘Can you hear me?’ Last week she spent a day or so on a beach while Michael went and sat in the park for an hour.  It felt like the end of the summer made them both need a bit of a break.  Even with the break, they both could stop thinking about business.  Then again, there is always brain-fog… Hive Up is developing a way to help its customers read the news more critically and to...

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Episode 21 – What Are You Really Comfortable With?

Episode 21 – What Are You Really Comfortable With? Podcasts By hiveup, 13th September 2018 Qiuyan was joined this week by Andrew Wong, the Business Director at Wealth In Asia. Originally majoring in economics at university, Andrew switched to finance, which he considered the lifeblood of the economy.  Graduating in 2008, in the middle of the global financial crisis, gave Andrew real time case studies for what he was learning in school…a real baptism by fire. His first job after graduation was at a retail brokerage in Australia.  He was forced to take a view on individual stocks right away and find his...

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Guide To Choosing An Independent Asset Manager (Part One)

Guide To Choosing An Independent Asset Manager (Part One) General Finances, InvestmentsBy Sha Osman, 13th September 2018 In this guide, you will learn: – What an independent asset manager can do for you. – The key factors to consider when choosing an independent asset manager. – The step-by-step process you should follow when choosing an independent asset manager. What can an independent asset manager do for you? Independent Asset Managers (IAM) offer wealth management services that are independent of a private bank. Most independent asset managers started their careers as private bankers. As a client, you will get the...

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Podcast Episode 21 – What Are You Really Comfortable With?

Podcast Episode 21 – What Are You Really Comfortable With? PodcastsBy hiveup, 12th September 2018 Qiuyan was joined this week by Andrew Wong, the Business Director at Wealth In Asia. Originally majoring in economics at university, Andrew switched to finance, which he considered the lifeblood of the economy.  Graduating in 2008, in the middle of the global financial crisis, gave Andrew real time case studies for what he was learning in school…a real baptism by fire. His first job after graduation was at a retail brokerage in Australia.  He was forced to take a view on individual stocks right away and find his...

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Financial Advisors and How to Choose One (Part 2)

Last week, we shared what financial advisors are and what they can do for us. (Click here to read.) Today, let’s cover some key factors and a step-by-step process to consider when choosing a financial advisor. Selecting the right financial advisor is not simply a matter of identifying someone who is competent and qualified. The person or firm that you select should be a good match for your specific needs. In fact, finding someone whom you can trust and who can provide you with the correct advice at the right time should be your primary objective. Here are some points that...

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Podcast Episode 20 – Sometimes You Gotta Embrace the Suck

Podcast Episode 20 – Sometimes You Gotta Embrace the Suck Podcasts By hiveup, 3rd September 2018 Qiuyan and Michael had a quick discussion on how exercising is important to keep your mind clear. They had also talked about how the more you practice connecting the dots, the more you realize you can. They had also discussed on how you can be proactive about this and actually set aside time to think, write down ideas and keep an ‘ideas book’. This is pretty important. How does writing it down help? It helps focus on real ideas and eliminates noise. It...

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Financial Advisors and How to Choose One (Part 1)

Financial Advisors and How to Choose One (Part 1) General Finances By Gibs, 31st August 2018 Our friends over at wealthinasia.com have written an awesome guide to what financial advisors do, and certain steps you should follow when choosing one. Let’s begin by sharing what financial advisors are and what they can do for us. A financial advisor is a qualified professional who can help you to manage your money. This person will provide you with advice and guidance on investments, insurance, tax-related matters, and even on taking a loan for, say, buying a house or paying for your...

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