by chung chinyi | Jul 6, 2025 | Uncategorized
1. Foundation: Understanding Your Financial Position 1.1 Calculate Your Net Worth (Singapore Context) Assets in Singapore: Property: HDB flats, private condominiums, landed properties Consider current market valuations (use URA property price index) Factor in CPF...
by chung chinyi | Jul 6, 2025 | Uncategorized
Shrinkflation—the practice of reducing product sizes while maintaining prices—represents a sophisticated form of stealth inflation that has become increasingly prevalent in global markets. In Singapore’s unique economic and retail landscape, this phenomenon...
by chung chinyi | Jul 4, 2025 | Uncategorized
The Scale of the Problem According to the Federal Reserve Bank of St. Louis, about 16% of young people ages 18-24 are considered “disconnected youth” or NEETs, translating to nearly 5 million Americans. This represents a significant portion of an entire...
by chung chinyi | Jul 4, 2025 | Uncategorized
Understanding the Root Causes of Money Conflicts Cultural and Social Pressures in Singapore Money fights among couples in Singapore are intensified by unique cultural and economic pressures: The “Kiasu” Culture: Singapore’s competitive society...
by chung chinyi | Jul 4, 2025 | Uncategorized
While prices rise all around us, there’s still magic to be found in a simple hawker meal. Even with inflation, some dishes stay kind to your wallet and your soul. Take my recent find: Mr. Grumpy nasi ayam goreng. Crispy chicken, golden and hot, resting on a bed of...
by chung chinyi | Jul 4, 2025 | Uncategorized
Qonto’s filing for a French banking license represents a significant milestone in the European B2B fintech maturation cycle, with profound implications for Singapore and ASEAN fintech ecosystems. This analysis examines the strategic, regulatory, and competitive...
by chung chinyi | Jul 4, 2025 | Uncategorized
In Singapore, homeownership involves significantly higher costs than renting, with hidden expenses that can add S$30,000-S$80,000+ annually beyond mortgage payments. While renters pay a fixed monthly rental, homeowners face ongoing obligations including property...
by chung chinyi | Jul 4, 2025 | Uncategorized
Yindii app is launching in Singapore to help reduce food waste. The app allows customers to purchase “surprise bags” of unsold food from restaurants, cafes, and bakeries at 50-80% off retail prices. How it works: Customers buy surprise bags in advance...
by chung chinyi | Jul 3, 2025 | Uncategorized
How Apple Created Deep Interdependencies with China The Evolution of Dependency Apple’s entanglement with China wasn’t a single strategic decision but a gradual process of increasing dependency that occurred over two decades: 1998-2000: The Foundation...
by chung chinyi | Jul 3, 2025 | Uncategorized
China’s comprehensive digital ID system represents a paradigm shift from distributed identity management to centralized state control. If applied to Singapore, this model would fundamentally alter the current SingPass ecosystem, potentially enhancing security...
