Financial Cyber Security: #2 The "Safer Than Your Neighbour" Theory

Okay, I know a lot of cyber security experts don't really believe that this is a real thing, but I believe that it is. Example 1 When I was in the Netherlands (the land of bicycles), I was always told that the safest place to park my bicycle is NOT a well-lit, highly trafficked place. It is in fact to park it in between bicycles with smaller locks and thinner chains. If a bicycle theft … [Read more...]

DIY Home Renovation: Getting the best bang for your buck

Spending money on renovation is similar to investing whose chief aim is to get the most value out of our money. Most would agree that the renovation journey can be hard especially for a first timer, and harder if you have no clue of what is in store. This post is to share some personal experiences on how to optimize the renovation budget and identifying areas for cost savings in cold hard … [Read more...]

Cory Diary : Job Replacement


Recently one of my staff move on. I am happy for her. Truly. What interesting is after. I need to request for replacement. What surprise me is that my business HR want me to justify why I need replacement which to me suppose to be routine re-fill of position. Mind you, the company is doing well. So in my head is why are we spending time doing this needless exercise. We have hundreds/thousands … [Read more...]

Don’t Fall For This Insurance Agent "Trick"

Don't mind the title, just trying to use the click-bait sort of titles to pull in the views, because this is a trick that most, if not all, of the slimy agents out there will use. The TL;DR is at the bottom, so jump there if you don't want to see my amazing story telling skills. ---------------------------------------------------------------------------------------------------------- I am … [Read more...]

What I Learned From These Two Blog Posts

You might have noticed that the frequency of me updating my blog post has reduced recently. Yah .. I have been busy catching “Pokemon” and running around many parks which I never or have no time to explore before during full time working . Places like “ MacRitchie Reservoir “ ,” Woodland Water Front Park” , “West Coats Park” , Fort Canning Park “ , ChangiVillage “ , “ Bishan-Ang Moh Kio Park … [Read more...]

How much do you need to retire? | Find out with the Retirement Savings Chart


When is the last time you bought a lottery ticket and thought to yourself: 'I am going to stop working if I win the grand prize'. How do you know that the prize money is enough to sustain your retirement lifestyle? Have you ever wondered how much money is required for you to achieve independence? Max also faced the same problem when drawing up his Masterplan to retire by 40. Not knowing … [Read more...]

The ultimate price review to baby formula milk in Singapore


As I am promoted to a mummy now, I will be sharing more about the finances of a family. One big hole in the pocket is because of formula milk, no wonder we always say parents have to 赚奶粉钱 (earn money for milk)! The recent report by Straits Times is not helping. It states that the price of formula milk has gone up by 120% in 10 years, faster than any other raw materials. This post aims to … [Read more...]

Automate Yo’ Social Media


Heyyyyaaa! I know, I know, I’ve been away for awhile now. No, I’m not dead (yet). I haven’t posted for several weeks because work has been crazy busy in the past month: 3 countries, lots and lots of meetings, a bunch of presentations, and my wife got baptised over the weekend (Yay!). I’m won’t bore you with the details, but I wanted to let you know that I’m still alive and kicking Anyhoo, I … [Read more...]

Early Retirement Maybe A Luxury That I Cannot Afford

I have blogged about early retirement in the past 2 years, but I really do not intend for this to be an annual series. Moreover, I do not intend to retire early and sit back and do nothing. Nevertheless, there are fresh insights on this topic and it is good to write them down for future reference.  In the past 1 year, I have read a few books such as "Capital in the 21st Century" and "Rise of … [Read more...]

Thought processes & problem solving

I finally discovered how to utilise pivot tables for data analysis. It looks cheem to me when I first looked it up (I only know pie charts and line graphs for the sake of presentations), until I discovered the 'woah' moment with trial-and-error and things suddenly fall into place like magic. Not without some data chewing that was quite frustrating initially as I have 800+ lines of data with … [Read more...]

Dabbling in Carousell over the long weekend

It’s been a busy long weekend. We went for a church service on Good Friday morning, went for lunch and dinner celebrations with our families later that day and on Sat as well. Not to mention the whole lot of shopping my wife did with her mum in between the lunches and dinners. We finally have a day off to ourselves today and will probably just relax and do nothing. There was something I did … [Read more...]

What to do if you are a victim of Credit/Debit Card fraud?

a security lock on credit cards / credit card data security and encryption

Recently, my wife was an unfortunate victim of a debit card fraud. You can read about her experience here: Naturally she was upset but she stayed calm and proceed to: Call the bank to inform them of the fraudulent charges and to cancel the card. Make a police report and inform the bank again once the report has been made. Contact the merchant. In her case, the merchant was Uber but … [Read more...]

Lending money to family and friends?

Reader: Dear AK, What do you do when people borrow money from you? Everytime a friend called to borrow some money, I will always remind myself that many years ago I also seek help, a friend lend me a few thousands dollars. I worked hard and repay. So whenever friends seek help, I help them. After a while, I found that most are unable to pay back... Actually, one of them even bought a … [Read more...]

Insights from interviewing candidates

Being the sai kang Ops Manager, my new add-on duty currently is to hire for a HR generalist position for the SME I am working at (before I get a new add-on duty of HR manager too). Here are some interesting takeaways from the interviews I have conducted. 1) Those who don't know how to give 'model answers' for the standard questions asked, I know they have little or no experience in interviewing … [Read more...]

Why You Didn’t Use Your Medisave???

Read? Financial Independence : Withdrawal??? Passive Income > Living Expenses??? (2) Today, Uncle8888 received a call from his medical insurance company asking why he didn't submit Medisave claim form. Insurance: Why you didn't submit your Medisave claim form? CW: Why do I need to submit Medisave form as I am paying total cash! Insurance: First 10% of medical bill is deducted from … [Read more...]

Financial Cyber Security: #1 The Security-Convenience Continuum


Okay, there is one thing is we need to understand when we get down to looking at Financial Cyber Security, or anything that requires security at all. And that is the good ol' Security-Convenience Continuum. It's very, very complicated, so let me draw a diagram for you: So on one end you have Safety. On the other end you have Convenience. Basically, this is a gave-and-take relationship. If … [Read more...]

The newest con artist on the block

I'm still feeling pretty angry over an episode that happened earlier today. I was out with my mum for a leisurely stroll around the neighbourhood and she was approached by an individual who possessed certain characteristics that evoked pity. At first, said individual offered some "products" to her, citing that it is for "charity." According to the individual, these products are "free"; the … [Read more...]

Interest Rate Hike: 4 impacts it has to you and your money


Will you give it a yawn when you hear the news that the interest rate hike is coming? You may yet to realise how deeply this will affect you and your money. For a start, when US Federal Reserve increases their interest rates, it is not only a US thing. US interest rates matter to Singapore. When the interest rate in the US is raised, so will it be in Singapore. The interest rate is important … [Read more...]

The Seller Internship


I bought a sold- out event ticket at double its retail price on Carousell, and was trying (hard) to sell it at what I buy at. It was tough. It's still on sale. After being a corporate warrior for nine years, there is a skill that is totally lacking in me --- selling. You see, my corporate job mainly requires me to share technical know-how. My selling point is my technical know- how, which my … [Read more...]

Random Musing from Tom K

I am an employee and I can identify the corporate rat race. Many have used the metaphor of a treadmill to exemplify the incessant pace of work. Basically most employees wake up early and work hours of overtime. The result is an imbalance of other aspects of life if one gets more of this rat race. The only way to get out of the rat race is to be financially free via business and investments. A … [Read more...]