Endowment policy vs investing it yourself

Many bankers and insurance agents tried to sell me endowment policies.  I have never believed in this type of policy. It has got to be the worst payback vehicle ever, i think worse than Singapore savings bonds!  They sell it […]

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I stayed in my parents’ rental property for too long

I stayed in my parent’s rental property for too long. It was near the office, hence everything was so convenient, walking distance in fact.  I stayed for 7 years, and I missed out on 7 years of extra dividend income. […]

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Purchasing life insurance

I recently re-balanced the family’s insurance schemes. I remember just when i was just starting out, my cousin once told me to buy only Term + Critical illness insurance. I didn’t listen and bought an investment linked plan from one […]

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Having a high savings rate right early on

The day I received my first paycheck was memorable.  At 23, I remember feeling I was financially independent, and I didn’t need to spend my parents money anymore.  So I spent about 80% of my salary for the first 3 […]

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Why I won’t ‘gamble’ in Creative stock

Over the past few days, we’ve seen Creative shares (SGX: C76) rocket from $1 to $9+, and drop back down to $7+.  To those employees of Creative, better sell now while you can. To those who managed to catch this […]

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Doona baby stroller

This has got to be the best stroller invention yet. It easily converts from a car seat into a stroller and you don’t wake up your baby in the process. We all know how difficult it is to manage crying […]

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Swaddles

From day 1 of birth, the hospital always swaddled the little one. I never knew why, until I decided to ask. It’s because it prevents the baby from being disturbed by their own startle reflex and it keeps them warm. […]

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Starting out

My eyes are always on retirement, and I welcome you to journey with me.  Learn from my mistakes, and benefit from early advice. My history: I started out in Singapore back in 2007, exactly 10 years ago. Wide eyed and […]

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