Category: Uncategorized

We know that debt can be classified as good or bad. While it is possible to live completely debt-free for most of your life, it is not necessarily the best move you will make. Good leverage can be a form of investment that will multiply your income and generate greater returns. Bad debt, however, can…

We often hear financial bloggers preach that different people requires different needs in different situations. The amount of savings a person needs is highly dependent upon how much he earns and spends, and going back further how much a person earns and spends is very much dependent upon his education qualification and judgement of what…

Many times we hear of poor financial planning from the rich and the recent news have proved once again it’s still in existence. Here is the story extracted out: In 1993, when he was drafted by the Milwaukee Bucks in the years before rookie-scale contracts, Vin Baker signed a 10-year agreement with the team. That…

First story. An employee signs an employment contract with an employer whose official working hours start from 9am to 6pm (5 days a week). In the contract, there’s a small clause that states that the employee may be required to work overtime occasionally during peak period. The employee comes to work everyday at 9.10am and goes…

I had started my new role at a new company a few weeks ago and I enjoyed some of the detailed learning which I’ve never really encountered in my previous work experience. Sadly, one of our portfolio analyst is resigning and due to the small organizational structure of the company the CEO had asked me…

You’re a fresh grad out of university or you’re one of those who have been dreaming about opening a restaurant or cafe and now you’re raring to go to make your dreams come true. I have once been in this position – trying to live my glamorous dream, but yet not too sure on whether…

Markets seem to be bullish as there are more IPOs coming in the 2nd half of the year than the first. Today, we look at the latest REIT IPO  – IREIT GLOBAL. To give a little bit of some of the macro background on this IPO in case you have not read the prospectus. They…

The world cup has finally ended. GERMANY triumphed over second place Argentina by a score of 1-0 courtesy of Mario Gotze goal in extra time. What I would like to point out here is the psychological consciousness of the 2nd and 3rd place. As we all know, Bronze medal winners would need to lose first…

On hindsight, the correlation between fulfillment and money should be positively correlated, that is the more money one earns the more fulfillment one gets. But is that really the case? Based on a research done by Stevenson and Wolfers on the Life satisfaction metrics against Real GDP for each individual nation, we can deduce that…