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Tell a blatant lie

Tell a blatant lie

The benefit illustration of a life insurance policy showed the distribution cost to be 7.3% of the total premium paid over 25 years. If the total premium amounted to $100,000, the distribution cost was $7,300. The insurance agent twisted the figures and said that the...

Sun Tzu – War On Business Part 3 (Plastered 8)

Sun Tzu – War On Business Part 3 (Plastered 8)

Part 3 of Sun Tzu is also set in Beijing, China; but this time it focuses on a T-Shirt retailer called Plastered 8 (“P8”). This small business is located in a shophouse near a popular tourist belt and is headed by a Briton called Dominic Johnson-Hill (“Dominic”). He...

Scams Are Getting Around The System

Scams Are Getting Around The System

In Singapore, many consumers have the impression that products sold here are safe due to the strict regulations. However, contrary to popular belief, not all regulations are stringent. Ironically, scammers have made use of this thinking to con others. Take the example...

I just want a checking account

I just want a checking account

I wanted to open a joint account with checking facilities (meaning you can write cheques) with my gf. The main purpose of it is to allow each of us to contribute a part of our income to pay for joint expenses like mortgages, groceries, furnitures etc. Since I was a...

Trading Report Card – Mar 10

Trading Report Card – Mar 10

The opportunity has finally arrived in late Feb and early Mar 10. As you can see I have much more counters compared to the previous month. Hopefully the bull has more stamina. I still have 2 open positions carried forward to April. Adding this month’s profits, I need...

Poor financial future for Singaporeans

Poor financial future for Singaporeans

I feel sad for the people of Singapore. Most of them work hard and are frugal. They save for their future and for their children. But, when they come to retire, you do not have enough savings and are asked to continue to work longer. What went wrong? Most of them get...

7 timeless pitfalls of investing

7 timeless pitfalls of investing

Regardless of institutional or retail investors, chances are, they would have committed these sins at one point or another. 1) Placing forecasting at the very heart of the investment process. An enormous amount of evidence suggests that investors are generally...

The fallacy of long term investing

The fallacy of long term investing

It is often advocated that investing in the long term for equities is the way to go. That is because equities are volatile so in the short term, one may suffer a temporary drop in the price of their holdings. But it has been seen historically that equities has a...

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