Author: My CEO Journey

The One Thing You can Control at Work

This article was sparked from dropping my eldest at the enrichment centre. Before I left her for class, I told her to “Enjoy Youself!”. Then I stayed for a short moment while she walked in, and overhead many parents telling their kids like “Pay attention.”, “Speak loudly today.” “Get more stars (the teacher will give a number of stars according to their performance)”, and so on. None asked their kids to enjoy. Seems like the focus is performance. Well, let me set it right. I expect my child to pay attention in class, and speak up when she knows...

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2019 in Review

It’s 2020 for more than half a month now, and I am only doing a review now. I have been really busy, really really really busy as I mentioned here… Personal2019 was a year of self- discovery. I come to realize that I had been having a very negative outlook of people and things, and started to change. At least, now when I realize I am having negative thoughts, I will “nudge” myself.  Also, I stop thinking that people are responsible for my predicament, but rather decide that it’s up to me to build my dreams. There are people...

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Outsourcing Parts of my Life

It has been a real long time since I have written anything in this space. I had been really busy with life. With a recent addition to the family, I have been busying with feeding, diapering, pumping, and carrying the baby. This is on top of the demands of my other two kids, cooking and maintaining the home to liveable standards (i.e. not too untidy and dirty). So guys, if you think maternity leave is just rest and relax, you can consider doing an internship at my home (I’m kidding, really). My eldest will be  entering primary one soon....

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Prenatal and Delivery Cost on a Budget in Singapore

We all know that maternity cost in Singapore is expensive. Is there a more economical option for prenatal to delivery then in Singapore?If you are a Singaporean or permanent resident of Singapore, have you heard of the subsidized route? In this case, you go to a polyclinic to get a referral to a public hospital of your choice (e.g. KKH, NUH, SGH) to begin the prenatal checkups leading up to the delivery. You can read the section under subsidized rates on KKH website here to find out more about how to be a subsidized patient. Take note, even if you...

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Are you Ready?

Scenario 1: Let’s go back in time to school days (I assume most readers are working adults).  Do you have instances where your teacher tells you you can’t do certain things well, and you should just focus on a few. (E.g. instead of taking 4 A level H2 subjects, you should take just 3). They feel you do not have an aptitude to do 4 in the final A levels. The reason is you didn’t ready yourself for one of the exams and didn’t do well overall.  Are you not ready to take 4 A level H2 subjects during...

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Why I stayed on…

A few months ago, I mentioned about the decision to moved on from my current job without any plan here.  Nonetheless, things do not usually follow as planned, and a surprise occurred, and I decided to stay on. It’s not a promotion, it’s not a change in role. Those would not have changed my decision at that point in time. Rather, it’s an upcoming new addition to our family that made me think twice. To be very practical, I am thinking of the upcoming paid maternity leave. Also, this allows me to buy time to plan for what I would...

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A Parent’s thoughts on time vs money

As a parent, I want to give the best to my children. And as much as I could, to provide them with the opportunities and exposures. Undoubtedly, money gives one a higher chance of accessing resources, beneficial to giving my kids a head start in future. With this belief, I persevered in my current job, where I spend about 30% of my time out of the country, away from my young children.  With the money I get out of my job, I outsourced childcare to childcare centres (so that I can continue working). When I am overseas, my partner...

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2018 in review – Finance and Career

Finance It’s just three more weeks before the end of 2018. With the dividends and coupons in already, it’s time to wrap- up the finance performances for this year. Stock Investing This is the year of the telecommunications for me. Only sale of the year is M1, while I purchased Singtel, Starhub and Lippo Malls Trust. Summary: Dividend – $4,120.20 Current Market Value – $50,440 Realized Gains – $1235.89 Paper Losses – $4,396.65 Bond Investing I talked about the Singapore Savings bonds having a relatively good short term interest here previously. Apart from the SSB that I bought at...

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The benefits of taking 16 weeks of maternity leave consecutively

Mothers of Singaporean children, who are legally married, and have worked continuously for a company for at least three months, will get 16 weeks of maternity leave in Singapore. There are some flexibility in this leave, which you can find out more here. You need to take the first 8 weeks consecutively, and the subsequent 8 weeks can be taken over the next 12 months. However, some companies may have different requirements over such flexibility. I know of many who take the first 12 weeks consecutively, and then take the other four weeks (i.e. 20 days for a five- day...

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If I could turn back time…

If I could turn back time… If I knew I would have kids in my early to mid thirties, I would have spent my twenties working hard to earn as much money as possible, save as much as possible, and learn investing early. Get a home, and complete my home mortgage by then. Make my twenties the time of my life in career and finance. Once that is settled, then my thirties is the time I can YOLO- ing, with my kids. My kids will only love to spend all their time with me in their early few years,...

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Why I have never topped up my or my parents’ CPF

This article is inspired by MR 15HWW‘s article on why he had never topped up his CPF yet. This article is full of very good rational reasons behind his motives. There are many articles that talk about the pros, and the benefits one have gotten from topping up their CPF or their parents’. For the sake of a balanced article, do a google search, and you’ll get all the benefits. Why I have never topped up my CPF? 1. Automation in place My current employer ensures that my CPF is “topped up” automatically monthly for all three accounts (OA, SA and MA)...

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Three important words

I remembered my previous manager telling us, never to say “yes” to a client who wants us to meet/ finish something the next moment. His reason — you won’t be appreciated, and they will just take you for granted. He was right. Firstly, psychologically, clients appreciate slightly delayed response better because if you take more time, it means it is better thought out. And you are busy. Of course they appreciate you putting in time and effort for it. On contrast, if you give an immediate response, anything wrong it’s because you do it too quickly with little effort....

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New Year Resolutions – UnSMARTing 2018

I was thinking about the new year resolutions for this year, and looking at the past years. Apparently, I only blog once about goals. Last year, I was thinking of setting monthly goals instead of new year resolution, by breaking down items into smaller bites. Well, it didn’t go well. I stopped the monthly goals even before the first quarter of the year. So this year, I’ll try to be different (yet again) by unSMARTing myself. S-M-A-R-T as in the acronym for specific, measurable, achievable, results, and time. This year’s goals will be qualitative. There are things that I...

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This is better than many Fixed Deposit for this month

I used to be a fixed deposit person, putting my money in fixed deposit to earn the interests. So when I found out that this low risk instrument earns better than fixed deposit (or at least for this month), I am totally surprised! Based on risk and liquidity, should fixed deposit will yield better interest than them for the same tenure. Let me give you some examples: –  UOB gives a 1.2% per annum interest (with minimum deposit of $20,000) for a 10 month fixed deposit – OCBC gives a 1.18% per annum interest (with minimum deposit of $20,000)...

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What do Mr. Money Mustache and Early Retirement Extreme have in common?

These two are very popular people who have achieved financial independence at an age where most of us are still working, not by building a multi dollar business, but through their executive jobs, frugality and smart investment. But apart from this, they also have supportive spouse who believe in their notion, and are working on their side to achieve this goal. If aiming for financial independence early is your goal, it’s important to get your spouse on your side (or at least someone who will be consequence natural to your goal). And in Asian context, your parents and the...

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