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...]

Mr. Lee Kuan Yew said China could become pushy.

"I don't want to sound apocalyptic but I don't see Taiwan as being able to resist the pull of the mainland. There will come a time when the 7th fleet cannot intervene." Mr. Lee Kuan Yew. A long time ago in ancient China, there was a big village that sat on both banks of a river. One day, there was a big fight in the village and villagers living on the left bank said they wanted to have nothing … [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...]

My First Talk On 12 Jan 2017: Do Show Your Support!

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It’s only been a few days into 2017 and I am sure you have made some new year resolutions with regards to Money and Love. If you’re single, are you hoping to get hitched in 2017? And how do you know he/she might be the right one? Or if you’re happily attached, perhaps your goal is to tie the knot? What are some common potential money pitfalls you wish you could avoid before getting … [Read more...]

ABCDEFGH Formula To Growing Your Money The Shariah Compliant Way In Singapore…

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At times, when I discuss wealth management strategies with my friends, they say it’s difficult to make money the shariah compliant way in Singapore. It’s easier in Malaysia. In Indonesia. In Bangladesh. Or in Saudi Arabia. But not in Singapore. As a Muslim financial consultant who specialises in helping Muslim families plan their finances the shariah compliant way in Singapore, I am … [Read more...]

$500,000 stuck in a bad commercial space investment!

READER: Hello AK, I have a question regarding real estate that I would like to ask you. I am a responsible investor and does my own homework before making any investment, so I will not make you responsible for any decisions I make. I have it down here in writing so you can have a peace of mind when you reply to my email. I am a stock investor which means I am not familiar with real … [Read more...]

A Meet-Up With Early Retirement SG

Previous Interactions I have sort of known Early Retirement Sg for close to 3 years, having stumbled onto one of his first few posts like this. Needless to say, I was quite impressed by his writing and views. So much so that as a rather new blogger then, I plucked up my courage and approached him to see if he was willing to guest post on my budding blog. And voila, here’s what he came up … [Read more...]

The Ultimate Guide To Achieving An IPPT Gold

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It started with a T-shirt. While trying on T-shirts at Uniqlo, I realised that not a single M-sized shirt could hide my proudly protruding belly. Aren’t these changing room mirrors supposed to make you look more attractive than you actually are? Ugh. It was time to do something about it. I didn’t want to do the usual “join a gym, pay lots of money, fall of the treadmill (literally)” cycle that … [Read more...]

A Christmas Gift From POSB

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Despite the long queues at POSB ATMs, I will always have a soft spot for this heartlanders’ bank. At least for the first 20 years of my life, this was the only bank I transacted with and it was there when I saved my first $1, $10, $100 and then $1,000. Therefore, I am not surprised by my favourable review in the past and even right now, it continues to benefit me even when I have long … [Read more...]

Buy 99 years leasehold or freehold property in Singapore?

For home buyers in Singapore, most would qualify for a BTO HDB flat. It gives the best value for money. Even a resale HDB flat is a good deal compared to the sky high asking prices of private condominiums. However, regular readers know that I would caution against buying very old HDB flats. "It's OK lah. I like the location and there is 60 years left to the lease." And how long are you … [Read more...]

Reviewing Workers’ Party Retrenchment Insurance Proposal

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A few days ago, Workers’ Party released a consultation paper regarding a Redundancy Insurance scheme and I read it with huge interest. With calls for more social safety nets in Singapore in recent years, sacred cows have been slaughtered and we actually have minimum wages for specific sectors like cleaners and security guards now. This shift is apparent since even PAP MPs like Patrick Tay from … [Read more...]

Top 10 Ways How Billionaires Actually Make Their Money

Forbes 400 did a quick survey to find out how the 400 billionaires on their list actually made their money. Out of these 400, 127 inherited their billions (which is a total cop out but something that I totally wouldn’t mind) and one strategy that none of us are lucky enough to possibly use. But the rest of the Forbes 400 billionaires (273 of them) made their money the old-fashioned way — by … [Read more...]

My girlfriend is more than US$100K in debt!

Human beings are rarely solitary. Although in modern societies with very high cost of living like ours, fewer people are thinking of getting married unless they want children (but, in Singapore, people who don't want to have children will still get married just to get a BTO HDB flat) and fewer who are married are staying married, many still need companionship in life. Realistically, once we … [Read more...]

6 affordable ways to invest for the average Singaporean

We get it, not everyone has $100,000 to sink into a well-diversified portfolio. But you have to start somewhere, or you’ll never be in that position. The good news is that you live in one of the world’s biggest financial hubs, and there are products that cater even to those on modest incomes. Here are a few things to look at: 1. Blue chip investment programmes There are two participating banks we … [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...]

Cory Diary : Global Warming

This has been one of most contentious. Global temperature has been rising. Does not using coal helps ? Should we use Nuclear energy ? Will the damage be reversible especially our oceans ? Is Oil the problem and the solution ? Save the Earth helps ? Cutting down electrical usage helps or just prolong the issue ? Cory believes is plainly due to human population growth. From google ..."What is … [Read more...]

How To Fly First Or Business Class At A Fraction Of The Cost

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What are some of your most deep-seated assumptions? You know, stuff that you’d never even think about questioning. Like: “You need a college degree to be successful” “Investing is about how well you pick stocks” “Donald Trump will never win the election” How about this one: “Credit card fees are a waste of money” Are they really? Let’s think about this for a sec. Sure, no … [Read more...]

Going To Maldives – Part 2

Weekend is coming, and it’s a great time to dream of that getaway. I like to tell long stories, so you’ll have to bear with me here 🙂 But hey, by Singaporean, for Singaporeans! You’ve got to admit that such stuff in local context are harder to come by. Travel Agents and Maldives Even with the proliferation of the internet, travel agents remain an integral part of Maldivian tourism. It’s all … [Read more...]