Thoughts On The BluePrint For Singapore’s Future

For the past couple of weeks after Budget 2017 was released, everybody’s mind was fixated on the 30% water price hike. In my humble opinion, if the intention of the water price hike is to shock Singaporeans into realising how valuable water should be, the government should probably be considering an even bigger percentage hike. Afterall, for the average Singaporean family (the 4-room dwellers), … [Read more...]

Is Freelancing Worth It?

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It seems like I am not the only one as more and more millennials are turning to freelancing. As a tutor and budding writer during the past one year or so, I have had my fair share of triumphs and disappointments. So, I thought it would be good for me to share some of my insights so that people pondering on making this switch can have a better understanding of this life before making the … [Read more...]

Living Till Age 100?

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The Mrs celebrated her 31st birthday just last week. I actually told her that I would be really grateful if I get to celebrate her birthday for at least 50 more times.  Like most people, I actually don’t really believe I would live past 90, let alone 100. However, I came across this blogpost written by Labour MP Zainal Sapari which talks about how we all must start preparing to live a life till … [Read more...]

Can You Help, Please?

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In an alternate universe, I could easily be working as an employee in a tuition centre like “Learning Champs”, drawing a salary and receiving employee benefits. And imagine if such a scenario played out on me: Learning Champs is running into financial difficulties and Mind Lab is taking over the tuition centre I have worked at for the past three years. Mind Lab: Hi 15HWW, since you … [Read more...]

Do I have Enough Work For 2017? Fret Or Fret Not?

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I am just out of a mini-funk. Not the downright depression kind but the kind where you feel you are viewing the world through grey-tinted lenses. When you go from this: To this: Yeah, for those full-time employees out there who think my life should be all rainbows and unicorns now that I am self-employed, let me tell you that I have my fair share of unhappiness and worries about work … [Read more...]

Job Analysis In Singapore: Security Officer

Why Am I Analysing Jobs? Two reasons. Firstly, as a budding self-employed, there’s always a nagging fear (albeit small) that one day, my customers and work might dry up. Dwindling tuition or writing assignments until the day I become obsolete in my current industry. And what if this happens before the day I have socked away enough to declare myself financially independent?! Therefore, … [Read more...]

Affordable Hawker Fare At Bukit Panjang!

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Just a few days ago, NTUC Social Enterprises announced the official opening of NTUC Foodfare’s Bukit Panjang Hawker Centre and Market. Photo Credits: Tan Suee Chieh Bukit Panjang is a place that is really really close to my heart. I might even consider myself the “Son of Bukit Panjang.” I attended Zhenghua Primary School and stayed there for the best part of 2 decades. Although the town is just … [Read more...]

Why Singaporeans Need To Be Given First Consideration For Jobs

For most people, financial freedom can only be achieved after a few decades of ploughing hard at a job. If the expenses are controlled well and the remainder is invested prudently during the working years, one could possibly look forward to a golden retirement. However, the foundation upon which wealth is built for most is still a job; a good job. Our quarter-retirement was only possible … [Read more...]

The Mindset Change Needed to Beat Poverty

A few weeks ago, I actually spent many hours piecing together a super long article (close to 2,000 words) regarding poverty in Singapore. Since it was already an essay in itself filled with many hyperlinks, I didn’t really want to burden readers with my opinions on how poverty can be best alleviated, which is through a mindset change from the various stakeholders. Hence, this article! (Don’t … [Read more...]

The Mindset Change Needed to Beat Poverty

A few weeks ago, I actually spent many hours piecing together a super long article (close to 2,000 words) regarding poverty in Singapore. Since it was already an essay in itself filled with many hyperlinks, I didn’t really want to burden readers with my opinions on how poverty can be best alleviated, which is through a mindset change from the various stakeholders. Hence, this article! (Don’t … [Read more...]

Saving Money With The Big Value Bag!

When I first heard about the The Big Value Bag a couple of months ago, this was my initial thought: It must be a bag containing specific grocery items that are heavily discounted from NTUC Fairprice. If I want to lower my grocery expenses, I probably should check it out REAL soon!  Yet, I couldn’t find “such a bag” when I popped by the Fairprice Xtra outlet at Serangoon NEX. Puzzled, I … [Read more...]

Alternative Perspectives on Working Capital

One of my module lecturers happen to come from corporate banking background which involves a lot of credit and loan approvals for companies. She recently shared her take on working capital which I thought is worth sharing because it contradicts with conventional wisdom. It will be interesting to hear what others think of it. What is working capital? Working capital is a financial metric which … [Read more...]

Super Group – No SGX announcement over the weekend

No alerts from my mobile phone app about any SGX announcement about Super Group. Went to SGX website to confirm, nope, no new announcements. Now this is a good thing, as usually,i believe a company would post 'earth shattering' news after friday closing or during the weekends so that the market can take the time to absorb the news and reduce their 'emo' actions. But this is just an "act smart" … [Read more...]

Tan Kin Lian VS NTUC Round 2?

Complaint to the regulator By: Tan Kin Lian A friend asked me for the reason why I decided to set aside the Collective Protest. He said that there was a rumour that I was threatened by Mr. Lim Boon Heng and Mr. Matthias Yao. I replied that the main reason for my action was the assurance that I have received from Mr. Lim and Mr. Yao on fair treatment of policyholders. This was subsequently … [Read more...]