Finance And Insurance Blog

  Photo by Joshua Mayo on Unsplash This article is probably going to be a short one. I decided to write this out as a notice or some sort to help people who are confused by the closing process of a Tiger Brokers account, because I certainly was. Disclaimer: I am not a professional financial advisor, and all my articles regarding finance and investing are pure opinions and by no means financial advice. Especially those before this article and this article included. P.S. If you are confused, during this time, by the noises about bonds or stocks better, I wrote this article on my own opinions and thought process. So what’s the matter that I need to write out an article about it? Let’s get into it!

  Photo by Rob on Unsplash The market is definitely in turmoil right now. Safe to say that it is happening all over the world. The reasons could be different, but the gist is still about inflation and the war that is still happening, especially with recent news on how Russia is not seemingly going to back down. In Asia, there is China that people do still bear in mind even though it is not hitting the headline as big as before. However, it still has its own issue about the property sector, covid-19 policy, and recently about Taiwan. Despite the chaos that is happening, let's focus on inflation. Almost every week we could see the headlines on how banks are raising their rate by a certain bps. Recently, Singapore has also posted how their core inflation is inching towards 14-year high. You can find the news here or anywhere else pretty much. One thing for sure though, is that people start to talk about how it might be better to just stay on the sideline, or, with the latest trend, ...

Photo by Jamie Street on Unsplash It has been a while since the news about the crash of Terra Luna as well as its stablecoin, UST. The news was so huge that even people who know nothing about cryptocurrency seem to have heard about it. So much so that somehow some of these people use this as an example as to why not to “invest” in cryptocurrency even though they do not know how it went down, where the weakness was, etc. because I actually had to explain to a group of people one time as to the reason why it crashed. However, all they cared about was just cryptocurrency is a no-go and it was proven, just like how Warren Buffet - Charlie Munger duo believed. On the other hand, being a software engineer, I still do not totally dismiss the potential that Web3 stuff has though in the perspective of investment, everybody has to still be really careful as there is no doubt that it is still in a very early stage. This also means that there could be a lot of failures still; worst, there might...

Inflation And Your Cash “There are two main drivers of asset class returns — inflation and growth.” — Ray Dalio Photo by Aditya Vyas on  Unsplash The information provided on this page is for educational purposes only. Inflation has been raging for a while now and it has affected people world-wide. We all know why it happened and how long it’s gonna be (spoiler: it’s gonna be for a while more at least). Therefore, I feel that it is just the time to talk about it. When inflation started, it felt slow initially, until suddenly a number of things started to increase in price one after another. The funny thing is that it didn’t affect me initially as I don’t own my own house nor car so utility bills or petrol price hike didn’t affect...

Risk And Return Of Assets “The most important investment you can make is in yourself” — Warren Buffett Photo by Markus Spiske on  Unsplash Welcome back to another article on investment newbie with me who is definitely not a professional. This article is intended to help or guide other people who are in the same boat as me and want to understand more or recap about risk and return. For those people who are expecting me to release articles on tech or programming stuff, please bare for a while more. Thanks! Now, this article was initially inspired by how inflation is rampaging. Almost every time I read the news, there would be news about different consumer goods or services prices being increased. These are then followed by people’s comments abou...

6 Habits To Set Your Path To Financial Independence “Someone’s sitting in the shade today because someone planted a tree a long time ago” — Warren Buffett Photo by Jamie Fenn on  Unsplash Over the past two years, financial and investment related matters seem to be soaring high as everybody suddenly becomes more aware of their money as well as their future. The pandemic has seemed to have successfully slapped a dose of reality to humanity. Therefore, previously, I had written an article to share about what to do before you start investing to help fellow newbies who are like me. This time, I want to share more about personal finance. This is because I realised another topic has come up often which is about your financial situation and how you...