Hi Gerald, Can you comment on the following: 1) How do people in their 40s find jobs in this day and age? (This being 2014) 2) How do you start a business venture with zero or very little (say about a SGD$1500) capital?  Thank you.  I received the above queries from one of my readers and it coincides with an article I read in Yahoo Singapore recently about underemployment rate of local graduates.  To me, this is a timely topic for me to dwell on because in a few more years, I will hit the forties bracket. Sooner or later, I may face the predicament or prospect of being retrenched from my job, so I think it is worthwhile to reflect and examine this issue now before it really impact me big time later on in my life. To put things into perspective, the Singapore employment landscape ...