A Pen Quotes
Hi, I am a typical guy born in 1976. You can call me ‘T’. Family: I have a lovely wife and 2 kids (a boy and a girl). To me, they are the best things that happened in my life. Work: I’m working full-time in the construction industry. Interests: I like to swim, draw and read up on financial articles. I have started a Youtube channel on sketches. Do check it out here.
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Invest By A Pen Quotes • August 1, 2026
Beyond the Check-In: Why CLAS’s “Dividend Smoothing” and Living Sector Pivot are the Ultimate S-REIT Hedge The resurgence of global travel has undoubtedly breathed life back into lodging REITs, but for the sophisticated investor, the narrative has evolved....
Shares & Derivatives By A Pen Quotes • August 1, 2026
Digital Core REIT: Why the AI Revolution is Hiding Behind a “Flat” DPU—And the 32% Valuation Gap You Shouldn’t Ignore The Data Centre Paradox For the Singaporean investor, the current state of Digital Core REIT (SGX: DCRU) presents a baffling paradox. We are told we...
Shares & Derivatives By A Pen Quotes • July 25, 2026
Dividends, AI, and a UK Surprise: 5 Key Takeaways from iFAST’s Record-Breaking 2Q2026 Results Introduction: Beyond the Green Screen For the average Singaporean retail investor, a quarterly earnings report is often reduced to a binary...
Personal By A Pen Quotes • July 23, 2026
Why Your “Dream Life” Feels Like a Trap: A Singaporean’s Guide to Quitting the Corporate Race You followed the script perfectly. You mugged for the right degree, survived the North-South Line squeeze for years, and played the BTO lottery until...
Personal Finance By A Pen Quotes • July 19, 2026
[Paywall] The “Reasonably Irresponsible” Guide to Spending Your Way Through Singapore Singapore is a city-state of high-definition contradictions. On paper, we are the fourth wealthiest city on the planet, boasting an average household...
Personal Finance By A Pen Quotes • July 17, 2026
Why Singapore is Actually the World’s Greatest “Cheat Code” for Financial Freedom The Relatable Paradox: High Costs, Higher Ceiling A recent Singlife poll featured on CNA delivered a sobering wake-up call: over 40% of...
Personal Finance By A Pen Quotes • July 11, 2026
[Paywall] Why $5,000/Month Feels Like Zero: The Uncomfortable Truth About Being “Broke” in the World’s Richest City Singapore is a global financial miracle. On paper, we are untouchable—a city-state with a GDP per capita higher than the United States, Germany, and...
Property By A Pen Quotes • July 10, 2026
1 in 7 Families Earn $30K a Month? The Real Reason Why Million-Dollar HDBs Are Becoming the New Normal Imagine your parents bought their 5-room flat in Toa Payoh for $250k back in the 90s. Today, a young couple buys that same unit for $1.2 million. They...
Invest By A Pen Quotes • July 10, 2026
[Paywall] DBS Stock Breaches S$70: Why Singapore’s “Big Three” Are Defying Interest Rate Gravity The Kopitiam Consensus Between the rows of tailored suit-jackets nursing espressos at Amoy Street and the aunties at the Serangoon Community...
Personal Finance By A Pen Quotes • July 9, 2026
Why Your First $1 Million in Singapore Might Still Leave You Taking the MRT (And Why That’s Okay) The Millionaire Next Door is Just… Normal? Meet Benjamin. He’s 43, a mid-level manager, and last month he finally saw the number he’d...
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