Author: Growing your tree of prosperity

Power of the dual-lawyer family.

Some law students are like oxygen molecules, they form covalent bonds very quickly.  After one semester, it comes at no surprise that couples have started to form in class. While I think that teasing is not a necessary part of campus life – I am certainly happy for my classmates who are now happily attached to each other, it would be interesting to examine what i would think is the most potent couple combination in class. The lawyer-lawyer couple is, financially one of the most potent combinations you can form in Singapore. This may have far reaching consequences for...

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Functionalist perspective on the attainment of Financial Independence.

The primary reason why I avoided the study of Humanities when I was younger was mainly because I do not like the idea of getting lots of B’s when the report card gets handed back to us.  The secondary reason, which also explains why I do not have great luck with Arts girls when I was an undergraduate, is that I have a very utilitarian and pragmatic philosophy of life. Like many engineers, I am not only vulgar in my words, I am vulgar in my outlook of life. Here’s hoping Law school can change that. Imagine that you...

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One year after leaving the workforce !

Wow ! Since Christmas, my life has been a series of milestones. It has been a year since I left the workforce, and it’s been so long I am probably not even classified as someone as someone who is unemployed any-more. instead, I am now someone who is no longer participating in the labour force. The economy has really changed a lot, I’d just like to speak about two trends which was not anticipated when I quit my job last year at about the same time. a) SIBOR is up. Real-estate bulls are in for a beating of a...

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At 40, I have no doubt that Confucius is wrong !

One of the WTF moments I had turning 40 is that I had the luck to know of Confucius very ancient ideas of personal development earlier to see if it is possible to compare my personal development with the Great Confused One. I was not surprised that this effort made me more confused. This was taken from Analects 2.4. At 15 I set my mind on learning; by 30 I had found my footing; at 40 I was free of perplexities; by 50 I understood the will of Heaven; by 60 I learned to give ear to others; by...

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Countdown to 2015 – Create Systems, not Resolutions.

As we approach the new year, I start to find myself busy again. SMU has started spamming the readings for the next semester and I’ve been finding that I’m spending more time clearing the cases for the upcoming semester, so this has not been very much of a break in spite of being a month long. After working on getting my condo into a livable state, things have been so comfortable that I have not been able to travel our of the country before school reopens. Hopefully, I would be able to budget for some travel during the next...

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About to begin my fifth decade….

Tomorrow, I will celebrate my 40th birthday. Just some thoughts and reflections on the last decade of my life and what’s in store for me in my next decade. It has been a very productive decade leading to my 40th birthday. On the family front, I started dating, got married and became a dad within this time. More interesting, this is probably the most prosperous decade I would ever experience in my lifetime as I was able to accumulate a portfolio size which gives me a higher drawn income higher than my previously held job, which then opened up...

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Who wants to be a "Sergeant" ?

A class of problems in a modern urban city is that problem of “Who wants to be the Sergeant?” Why would a top A level student choose Engineering as a discipline when the pay of a technical professional lags a marketing or finance professional after 5 years ? Similarly, why would a medical practitioner choose to be a GP considering the gap between the salary of a GP and a specialist ? More likely, why would someone really smart and capable choose nursing, pharmacy or an allied health practitioner and play the sergeants and assistant to doctors. To a...

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Financial Independence as a Continuum.

Since my exams, I have been busy getting my EC ready as TOP occurred a couple of months ago. Most of my day has been spent moving my belongings from my parent’s place and assembling Ikea furniture. As we spend quite a fortune on conservancy fees, I was also retooling my exercise routine to ensure that my conservancy fees will result in a healthier life which will hopefully defray medical expenses in the future. This blog article is my first one from my new home. A lot of bloggers and the financial community have been very anxious and excited...

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Why Jack Ma is wrong about education and innovation.

Jack Ma joins the list of very successful billionaires who laments about the education system he has gone through and has spoken very convincingly of why the Chinese education system must change in order for the country to make progress. This is not a new idea. Einstein himself values imagination above knowledge. Many successful business men and even our own minister talks about the value of creativity and imagination in creating a vibrant innovation driven economy. In fact, I count a large part of my academic achievements not so much by my mediocre exam taking skills but mostly through...

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The Myth of the Self-Made man.

Wow ! It has been a while since I blogged. I’ve been busy on my first Law Exams which took me out for about 3 weeks, and after that, I’ve been playing Dragon Age : Inquisition and trying to move into my new condominium. It’s going to be almost a year since my last pay-check and it’s been quite a struggle maintaining my fiscal balance in 2014. I have to settle two semesters of fees and condominium furniture and appliances on a year of investment income and I’ve been barely making it with some of my counters declaring fewer...

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What can we learn from hipsters ?

The days get worse and worse for everyone in my class. We survived our double-whammy Friday where two papers become due within one day and I must say that my class-mates are really amazing with many not having any sleep at all over the past 24 hours. I think the worse is over not just for my class but for the markets as well. This is the time to stock up on equities for the Capricorn effect of 2015 ! Today’s article we explore the concept of hipsters. Why ? Because I can. I can’t find any hipsters in...

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Are you Superman or Batman ?

One of the privileges I have in my life is that I get a front seat to experience the struggles of myself and my fellow classmates. This 3-year reboot has allowed me to do some serious thinking about the nature of success. This is not so much an analytic exercise, but I see this as more akin to a religious experience. One phenomenon I notice in campus is the kind of quality people attribute to their personal conception of what success looks like. For folks who really are into personal development, this is very similar to Carol Dweck’s notion...

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Why we should press on.

At the end of the semester, some classmates are having doubts about whether they made the right choice in coming to the SMU JD program. I promised that over the weekend, I would write something to cheer them up so that they would press on in their studies. I think that my class is a small class and the industry is large enough to absorb all of us in spite of all these changes going on to “nerf” the legal profession. For the rest of the readers, my analysis should also apply if you’ve worked damn hard to get...

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Taste and Aesthetics. Being Basic and Normcore.

I think get along fairly well with my JD classmates despite a glaringly large generation gap. I actually said to a classmate that if I had a shotgun wedding when I was in JC, my kid would be her age, Maybe they treat me like a insane cousin or uncle that they can’t seem to avoid on a family gathering. I like to ask questions in class like what if two people in a contract hypothetical case are lovers or whether consent can be withdrawn halfway during sexual intercourse just prior to male orgasm. The generation gap becomes really...

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"Till All Are One !" – The Mechanics of Synergy.

It was a perfect storm for my personal finances this week. First SMU decides to bring forward payment for my next semester of fees. The the markets had a series of sudden bearish moves while I lacked the funds the exploit this weakness. Then two things happened: My condominium TOP-ed and I have to write a couple of checks and  my weekend car battery failed and we have to get AA to help us out next week. Still, I spend so little money as a student these days, I’ve yet to touch my capital yet. Hope this can be...

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