7 Reasons Why You Should Start Investing In The Stock Market Now


Today is the day. Today is the day that you are looking to start your investing journey. You have worked hard all your life. You might have struggled for years to pay back your debt. Or your salary has finally reached a point where you can start saving. Or you are nearing your retirement and planning to be a full-time investor.We are all at different stages of our lives now. But, I have 7 good … [Read more...]

SMRT Taxis May Be Up For Grab: What Does It Mean For Your Taxi-hailing Days?


SMRT is apparently in talks to sell its taxi business to Grab, and if all goes through, it won’t be long before the familiar SMRT taxis vanish from our roads. What’s the Deal? Why is SMRT selling its taxi business anyway?  Well, it seems that Temasek, its holding company, wants SMRT to get its act together and focus on the rail business to make the MRT and LRT lines reliable, just like they have … [Read more...]

Fortune 500 Rankings: The Top Are Not Necessary the Great

If you stroll through the Fortune Rankings of the world’s companies, you probably see the MNC you are working in at the top 500 list. Or in another instance, your employer may be one of the best or top performers in a particular market or industry which is operating similarly to how the smartphones’ market share is dominated by a few major competitors. The main point here is not that they can be … [Read more...]

3 reasons why rubbish collection might not be such a rubbish investment after all

Living in Singapore, cleanliness has always been our claim to fame. Ask any of your friends visiting from overseas and the first comment that we get is usually: “Wow. Singapore is so clean!” This is all thanks to the clean and green campaign and good urban planning by the powers that be. Getting rid of rubbish has never been a problem for us. There are dustbins everywhere as we walk down the … [Read more...]

Free Webiner – Fintech Oppotunities For VCs and Startups in Southeast Asia


Nowadays, FinTech is everywhere, in fact, as a branch out of it, InsurTech is everywhere now too (at least I am hearing it every now and then in my office). So, what is actually FinTech? How does it disrupt the Finance Industry, especially in Singapore? To be frank, I am not too sure myself. I've gotten an email invite recently for a free FinTech webiner, for those who are keen to … [Read more...]

Is Pay TV Still A Reliable Cash Cow?


For the past 6 weeks, I have been blogging about the mobile services segment of telcos. It is time to move on to the next segment -- Pay TV. I will analyse Pay TV using Starhub's results, as Singtel has more business segments and operates in many countries. The figure below shows the no. of Pay TV subscriptions in FY2015 and FY2016. Starhub is kind enough to disclose its market penetration rate … [Read more...]

Where have all the Manhattan tenants gone ?

I read therefore I write This is an interesting article about increasing vacancies rate at high end shopping district at Downtown Manhattan in today's The Business Time. Quoted from the article “ Dusty windows on Madison Avenue. Ghostly trace of sign on Columbus Avenue. Manhattan’s top retail strip, some of which are among the world’s most expensive shopping districts, appear to have seen … [Read more...]

My business venture


I mentioned about trying to take on a part time business venture and here I am, announcing and asking for your support below for SnackFirst: Why snacks? I am not kidding you when I say I have tried far too many nuts to get a good source. Duringmy pregnancy, I bought my nuts and seeds from supermarkets. Every time I look at the nutrition label, I was disappointed. They taste so full of salt and … [Read more...]

Telcos From A Consumer’s Point of View


In previous weeks, I have been blogging about telcos from an investor's point of view. This week, the focus will be on a consumer's point of view, which actually provides some useful insights into how telcos price their services. Telco charges (inclusive of handphone, mobile data, broadband and fixed line) have been one of the biggest bugbears for my monthly expenses. Part of the reasons is … [Read more...]

Do Telco Investors Need to Fear the Fourth Telco?

Ever since the Government announced that they would allow the entry of a fourth telco, share prices of the 3 existing telcos have been on a down trend. In Dec 2016, the name of the fourth telco was made known; it would be TPG Telecom. Do investors of the 3 telcos need to fear the fourth telco?   Firstly, some background information about TPG. TPG is the second largest internet service provider … [Read more...]

Interview with King of Popiah, Mr Sam Goi

I watched the TV interview with Mr Sam Goi last Sunday on Channel 8 under the third season of the episode "Hear me Out". In the previous season, I watched the interview with CEO of Sheng Siong and was impressed. You can revisit the post which I have created arising from watching the interview here . For this episode, I have looked forward to being impressed once again by one of the richest men in … [Read more...]

Running lean – a systematic process for iterating your web application from Plan A to a plan that works


This is a book by Ash Maurya, which talks about how to find and create a product that the market wants. The book is split into three major parts: product/ solution fit, product/ launch fit, and product/ market fit. This is also the book about the Lean Canvas, a modification of the Business Model Canvas by Alex Osterwalder. Product/ solution fit The first part of the book talks about the ways … [Read more...]

Impact of Data Upsize Plans on Telcos

Competition among the 3 local telcos used to be fairly stale, until things started to heat up in Mar 2016 when all 3 telcos launched data upsize plans as a way to pre-empt competition from a potential fourth telco. The upsize plans provide subscribers with more data with the payment of an extra monthly fee. How does that impact the revenue and profitability of telcos? As M1 is closest to a pure … [Read more...]

Impact of SIM-Only Plans on Telcos

I recently switched my telco subscription plan from the regular ones to SIM-only plans. How do these SIM-only plans impact the revenue and profitability of the 3 local telcos? Before we begin, let me explain what are SIM-only plans. As the name implies, SIM-only plans only provide voice, SMS and data but do not come with subsidised handphones. The tables below show the amount of voice, SMS and … [Read more...]

Different models for e-commerce


Ok, I get a few queries pertaining to the idea of having passive income via e-commerce. Personally, I do doubt one can be really ‘passive’ when it comes to e-commerce. But first, let’s look at the various ‘models’ of e-commerce. It is not just getting a product and selling online. While listening to podcasts, one seasoned seller highlighted that initially, when he started out,  he was into … [Read more...]

Quick thoughts


Well, we are in January, still relatively early in the year. Work has been picking up. I intend to focus more of my attention at work (likely work later these past few days). News of retrenchments from other companies in my industry has been floating around. In the recent company Dinner and Dance (D&D), there isn’t any announcement of future projects (unlike previous years). In terms of … [Read more...]

Selling via Fulfillment by Amazon (FBA) – Status update (Part 7)


You can read my previous post on Amazon FBA here (Part 6). So far, I have 2 products listed on Amazon. I went through the whole process of lowering sales price, advertising through Pay Per Click  – PPC campaigns (Auto and Manual), doing Facebook Ads, giving out product at heavily discounted prices, going through an email list to promote my products. For Product 1, it received 2 nos. of 4 … [Read more...]

Purple cow – transform your business by being remarkable

Other than the 4Ps of Marketing, now we have another P - Purple Cow. I picked up this book last week, but stopped it halfway to read another book - talking to humans. Finished it today, which took me around 5 days. Overall, it's a very light reading. This book is about Marketing, and how do you design, create, market, or promote your product or service in a way that is so remarkable that … [Read more...]

It’s not personal, it’s just business!

Here’s a summary of the main points of the book: The Theory Of Business Enterprise. It’s an interesting read and it definitely reflects the direction of our societies today. The video by Ray Dalio sums up the first few chapter of the book. Our entire society is turning into a giant business and everything is getting impersonal. [embedded content] Introductory Veblen’s main points: The … [Read more...]

A simple persuasion checklist [1/6]

Aristotle was the first person to study the art of persuasion. In his work on the Rhetoric, he broke down persuasion into three key elements. I thought that follow up well with my 2017 post where I said “just because what you say is real doesn’t mean people will believe in you.” According to Aristotle, for a message to be persuasive, it must satisfy all three modes of persuasion, lacking of one … [Read more...]