What is the CDP account for?


I was having a casual lunch chat with my colleagues on the stock market and was pleased that my first attempt to explain the concept of long versus short, call versus put option was successful. But asked a simple question on what the CDP account is for, I found myself tongue tight. It is… a depository to hold my stocks and… perhaps my holdings inside are guaranteed in certain ways? How ignorant … [Read more...]

Time to upgrade with MOOCs


I am in a comfortable position right now. I got a good job and not overworked. Right now, it's the lull period where the sales figures are more or less fixed for the year and people are having holidays. It's like the end of the business cycle and new development will be next year's problem. Everyone is looking forward to collecting their bonus and busy slacking enjoying the rainy season. So … [Read more...]

Enjoy Yourself (It’s Later Than You Think)

Just finished watching the final episode of House and at the end is this classic song. It's a cool ending to the show and really make me wonder about my rat-race life now. Now is the holidays seasons and this serves as a good reminder to all of us: By Guy Lombardo You work and work for years and years, you're always on the go You never take a minute off, too busy makin' dough Someday you … [Read more...]

”I Chose Not to Have Kids—and Money Was a Big Reason”


Oh no, this was not said by me but by this article. I find it very interesting and was asking myself why our General Paper topics are not more like this. For the lazy bums, to summarize, this 50s lady chose not to have kids because: 1) She does not want kids even though she met someone in her 40s. They eventually broke off because her partner wanted kids. 2) She used her time and limited money … [Read more...]

Work and Travel USA


Many people who went university always tell me that secondary/poly/JC school was one of their best times in their life and I always think that it is because these people did not know how to optimize university's activities fully. I think I set a record by going for 4 freshmen camps consecutively for 4 weeks and made great friends there and had such a blasting great fun because of that. But … [Read more...]

Delayed gratification vs excuses


"No time" "No money" "Too far away" "Can't walk so much" "Nobody to take care of kids/pets/parents" "Don't have so many days' leave" Or just too many? Familiar things we hear, huh? These are all the excuses people give me when they complain that it has been xxx number of years when they last went travelling. To them, holidays is a far fetched idea that require careful planning … [Read more...]

Happy first birthday!


Still can't believe I managed to churn out articles for one year. I was thinking I would run out of juice in 6 months but luckily, I did stay on long enough to mark my blog's first year birthday! Thank you to my readers for the support and I am also lucky to get some extra bucks from Google Adsense. Some thoughts: 1) On Coftea The most popular post is not written by me... sigh. Haha but I … [Read more...]

Jumbo IPO: Insider news


This is the one time I have got more news than some of you and even though I am one of the latest to write about this... I am glad I have information that many are asking. Being in the sales line, everyone of us are familiar with Jumbo because we bring tourist and guests, customers and overseas colleagues there all the time. I can tell you I sometimes am sick of Jumbo food! The location … [Read more...]

What bartending has taught me about investing


Guest post by Alien Alien is a very good friend of mine who shares the same interest in investing and is pursuing his passion in bartending Scuttlebutting, opportunities are everywhere The famous term was coined by legendary investor Philip Fischer. If his mantra is read carefully, it highlights that the person providing the information has to feel as though he/she is not in danger of … [Read more...]

Stay away from toxic people


Toxic people are those who bring you down in work and also life. They spread negative emotions to you and make you feel depressed or not as optimistic after talking to them. Their actions generated so much negativity that the whole working or group environment will feel the change and dislike their job and everything else. Example 1: A good friend of mine insults and puts down my potential … [Read more...]

How to finally get approval from Google Adsense


After more than 10 times of applying to get into Google Adsense, I finally got it after almost a year of doing so! I thought I would never get it. Actually, I was not expecting to get approved when I did because I changed nothing since my last application. Anyway, these are the steps I took: 1) Include an About Me page 2) Include a Disclaimer page at the bottom 3) Include a Privacy Policy … [Read more...]

Why some women don’t invest


One reason is the one that inhibits most people to not risk their money: Fear. Money can make people irrational The other reason is what I observed from asking all my females friends. It's also the same reason why some of them find no need for grooming or to maintain their figure after the wedding: Because they found someone to take care of them forever. The husband will have … [Read more...]

Simply Sales Talk: What’s a regional sales manager?


I finally got to be a Manager. I have lots of queries about my job and what I do. It's only logical as it's really uncommon in the workplace. Not all industries have them and only some companies have regional sales manager. If your company only have an office in one of the SEA countries, then high chance that they will have a regional sales manager. A regional sales manager do sales … [Read more...]

The new OCBC Frank card has lost its appeal


Guest post by Coftea With its 6% cashback given for online spending, the OCBC FRANK card is every online shopper’s must-have. Well, not from 1st Oct 2015 onwards when the new changes come into effect. Good things tend not to last. What’s so bad about it? FRANK is turning into every other card out there, tempting you with attractive benefits but making the requirements hard to achieve. And … [Read more...]

The 10 things I’m grateful for being Singaporean


Starting with our outpour of emotions and respect for the late Mr Lee Kuan Yew, followed by our sportsmen doing us proud in Sea Games and finally witnessing a spectacular Jubilee NDP, I have never felt prouder to be a Singaporean. The feeling was especially strong while I was listening to PM Lee Hsien Loong's rally speech on 23 Aug. As with previous rallies, he started by recounting notable events … [Read more...]

Why some people are losing $10,000 every year


Getting more savings comes easier not by cutting down on some one-off items, but more of cutting down on the expenses of your daily life. The things that you consume regularly will take a huge chunk of your annual pay and these are some tips you can consider to stop the bleeding: Coffee, tea or money? (Source: wikipedia) 1) Coffee I understand that you need your daily joe but … [Read more...]

Simply Sales Talk: My failed interviews


The turnover in the sales industry is like 2 to 3 years so it's normal to go to many interviews and get to know the different jobs available in the market. To climb up to be a manager from an assistant manager, I had to go to more than 10 interviews to see which jobs interest me more. The interviewers always seem scary... (Source: Wikipedia) All these failed interviews helped a … [Read more...]

Great for Big Savers – UOB One Account


A holler out to all big savers: There is One account for you I have decided to do something about my UOB Campus account finally! I have graduated long ago and this account does not gives any interest but I still keep it because it is linked to my CDP account. I looked for an account that has higher rates and UOB One Account seems suitable. I was surprised that it only took 5 minutes to breeze … [Read more...]

Having the means doesn’t mean you have to


Guest post by Coftea I had a chat with a friend recently and I brought up the usual tease question that is always directed at him. “So when are you going to buy a condo?” His usual response was to give a shrug, tell people he was waiting for the right moment and share some details of condos he has scouted. His reply this time however, surprised me. In his matter-of-factly tone, he said he is … [Read more...]

A little tool to check HDB resale prices


Guest post by Coftea A few months ago, I came across a good piece of software that helps people to see and understand data. I actually tried it out using publicly available data and the resale prices released by HDB quarterly seems like a good data to analyze. As it turned out, my output wasn't too shabby and I think it might be useful to some readers out there. I call it a HDB resale price … [Read more...]