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Thursday, 16 November 2017

How to avoid saying you jobless

Jobless sounds negative. As if you can't find or hold on to a steady ob.

Unemployed is worse. Now people assume you got fired or retrenched... No employer wants you...

Some may say there are "in between jobs". Good try. People are not fooled. They straight away think you jobless or unemployed. LPPL.

So what to tell others and at the same time can make ourselves feel good? Never mind they are little lies we tell ourselves?

1.  I'm studying; I've gone back to school.

Ego feels better right? For the next 1 to 3 years, no need to stress or worry about finding a job. That's until the course ends...

Then its reality bites again... Still, its a good stop gap measure against prying relatives during CNY. 

2.  I'm financially free!

You are living off your savings and investments. In the meantime, you try to put on a brave front until you find a new job.

Have you noticed quite a few have started their own small businesses, yet instead of acknowledging they are now business owners, they like to still claim they are "financially free"? 

Being a business owner so shameful meh? Unless...

3.  I'm a stay-at-home dad or mom (or bum).

You are living off your working spouse or parents...

Hey! If they don't mind, why should we care?

I personally find its very cool, provided its because you want to; not because you do it as a form of "escape"...

4.  Sabbatical from work

I like this the best!

"Retired" sounds too old... Like we've been put to pasture...

Sabbatical "officially" meant you are still employed but have taken time-off to pursue your own interests - with either fully paid, part paid, or unpaid leave.

Since all snake-oils like to take creative license with words, I'm no exception!

So I say I'm taking sabbatical from fulltime work.

Which gives me lots of wriggle room. Wink.

Words are powderful

No way I'll tell anyone I'm jobless.

Or unemployed.

Or retired.

Tuesday, 14 November 2017






Sunday, 12 November 2017

Makeup in the Morning

Thursday, 9 November 2017


Quick "Trust but Verify" test.

What's the first thing that comes into your mind when you read or hear this word - minimalism?

Close your eyes and no peeking below!

If you "see" minimalism as in architecture, art, literature, music, fashion, and home decor, you are on the right track. You are Western educated - "ang moh pie".

You know minimalism is a visual arts movement that started around the late 60s in the States.

If you think of Zen, you are also "technically correct" since minimalism got some of its influences from Japan. In Japan, the philosophy of Zen got intertwined with the Japanese aesthetics of simplicity or ma (間) - empty or open space. You are more Oriental biased.

You know your aesthetics. Wink.

No. Minimalism is not about saving money or frugality.

Minimalism is about stripping down to its bare essentials, aesthetically speaking.

Yes, Steve Jobs and Mark Zuckerberg are "minimalistic" when it comes to their work clothes - its the same turtuleneck and T-shirt - although they may own 10 pieces of the same clothe!

Not exactly "frugal" is it?

Minimalism is not about using the same detergent for washing your dishes, clothes, and bathing - that's when policemen still wear shorts - you really want to use that Lam Soon long bar soap for dishes, laundry, and bathing now? Seriously?

To appreciate minimalism, one cannot be hungry or worried about roof over head matters.

How come people are talking about minimalistic living or lifestyle in financial blogshpere?

Well, clever marketing isn't it?

I mean if I want to start a blog or sell a book, which sounds sexier - frugal living, "giam siap gui", thrifty squirrel, or the minimalist?

Who wants to be known as a miser?

So you convince your wife minimalism is about having one pair of shoes.

If you wife believed in your "Jedi mind trick", well, I am most envious of you...

That meant she has a pair of big big ding-a-ling-ding-dings! 

Sunday, 5 November 2017

Investment Not Required - Real Life Cases

I think I'll follow up with more real life cases where Singaporeans are living or retiring well without the need for investments.

Remember this old post:  Landed Property and Car with $6K per month Household Income

Here's one interesting case about a 67 year old ex-Regional Sales Manager's retirement in Singapore:

What's my takeaways?

1.  Staying healthy can be more important than dollars and cents.

2.  CPF savings enough if you had a good career and didn't over invest in properties so that you are asset rich but CPF poor. 

3.  Flexibility and adaptability give us options. Driving weekend taxi is not "beneath" an ex-Regional Sales Mananger...  "Downgrading" from HDB 4 room to 2 room is not a loss of face...  Isn't doing what we feel like doing without fear of what others think - freedom?

Investment Not Required

Let's be honest now. 

The harsh reality is for the majority of people, the more we invest, the more we lose.

Everyone is sharing "succcess" stories, but where are the "chop fingers" examples?

Only CW mentioned about them in his blog.

Just like entrepreneurship, can't be the majority of new startups and new businesses all succeed right?

You really believed the spin vested interests are telling you?

Look, if you don't invest, how do they earn commissions and fees from you?

No, I'm not telling you not to invest.

Financial freedom is more than $XXX passive income or multiple baggers in capital gains...

If you are a stay-at-home dad or mom, your CPF is a pittance. But if you had brought up your children proper, do you have to worry about your retirement and anxious your CPF not enough to qualify for CPF Life?

Wait. Is there such a thing as retirement from being mom and dad?

No, invest only when you enjoy so. 

If you don't enjoy this craft of investing, then no big deal!

Don't have to feel pressured to join the other lemmings. Yes, most of us have no clue ourselves!

In bull markets we are louder than a peacock; in bear markets we are quieter than the church mouse... 

With a bit of common sense and listening to your heart, you'll find your own path.

Its OK to take the path less travelled.

Wednesday, 1 November 2017

97% Will Fail This Test

I got this test question from my Buddhism class coursemate in Facebook.

Amazingly, everyone in his Facebook got the answer WRONG!?

All 80 plus of them! 

I don't want to embarass anyone. DON'T write down your answer at the comments below.

Just write out the answer in your head, and more importantly, HOW you got the answer as in the calculations.

I'll reveal the answer in the comments section.

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