Buying the dip means purchasing more shares (or cryptocurrencies, commodities or basically whatever you are invested in) when they have dropped in price, on the assumption that they will continue to rise in value. This is in line with one of the basic investment principle of buying low and selling high. But what most people forget when buying the dip is that the market falls fast but rises slow.

While the basic investment principle of buying low and selling high stands true, timing the market on such “dips” may be hard as you may face risks of prices continuing to…

Money-related issues have often been quoted as one of the reason of divorce, and more often than not such issues cause deeper conflicts and be a stressor event. Having different attitudes, priorities and management towards money definitely could be a starting point of agitation and causes friction in your relationship.

Money is often perceived as a touchy subject that couples avoid discussing when in a relationship for fear of being too materialistic or just being afraid of commitment and let-down that they are not as good as others. Being in a committed relationship is an ongoing work in progress, so…

Traditional business models may be easier to comprehend when compared to the SaaS (Software as a Service) business model, but SaaS solutions are here to stay. Although more complex, more organisations are starting to adopt this business model as they make use of the cloud services. How a SaaS business runs is that it has a centrally hosted software, which is then licensed to customers via a subscription plan. A few examples that you might have came across in your daily lives of SaaS products are Slack, Dropbox, MailChimp, DocuSign, Microsoft Office 365 and Netflix.

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There are two types of…

I get that not everyone loves to read, and reading should not be the only way to learn. In this article, I will be sharing three of my favourite channels to learn about investing that could come useful when you are going for a walk, a casual jog in the park or when you need a break from work/school but just can’t stay away from your phone.

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The first one is a Youtube channel that I have recently started listening to it more, which is ARK Invest. If you haven’t heard about it before, ARK Invest is an investment management…

Yes, I took a break from writing. It has been over a hundred days since I last wrote on Medium. I do not think I had a burnout, but I had to prioritise other things before writing. It was tough at first to admit that I needed a break from writing, because i am supposed to be “serious” at this, be better at time management and ultimately someone who works hard.

Aside from the fact that I am starting to have more work assignments at my current job, I was also preparing for my Chartered Accountants exam which was on…

You might think I am out of my mind, because the society has always preached about holding stocks for the long term to receive dividends that will become your passive income. Somehow the end goal is to have these dividends large enough to be your income strategy and voila, you can retire!

A disclaimer before we dive deeper into the dividends irrelevance theory: I do not mean dividends are unimportant to total returns, but what I am trying to convey is that dividends are irrelevant when determining which stocks have good future returns.

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The research for this theory started back…

This week was brutal in terms of work load from my job. I was handed my very first job assignment (finally after 4 months in!) and had to manage both the client and upper management’s expectations to have things delivered within 5 days. It was not until yesterday on my third day of running on few hours of sleep and relying on coffee for fuel that I realise how most people don’t think it is possible to have passive income while working at a full-time job or being a full-time stay-at-home mother.

Don’t get me wrong, I actually enjoy doing…

As adults we deal with money daily, yet many find it hard and struggle with their finances. The most common excuses for people are by the reasons of “I just don’t understand. I don’t make enough. The economy is terrible now. Money is the root of all evil. I will think about retirement funds in X years.” In fact, the term “evaporating money” came about by the concept that money just magically disappears with you having no idea where it went. I mean you most definitely did spend it anyhow, am I right?

Whether it’s because the economy is in…

Some of us step into the new year with hope-filled new year resolutions and bid good riddance to 2020. If you are more of a traditional type, perhaps you might have a bucket list of to-dos that you wish to tick off during the year. Nothing fancy, just the yearly oath that you promise to take actions in the year such as spending lesser time on social media, practicing a healthier lifestyle, reading more books and maybe this year you might be thinking of adhering to a budget to keep yourself accountable.

Perhaps you might have heard of the 50/30/20…

Looking back to New Year’s Eve 2019, many were ecstatic to welcome the beginning of a new decade. Little did we know it is the year with many historic events like the Covid-19 pandemic, global recession that resulted in the stock market crash, the Australian bushfires, and many more. But let us not forget the good news in bad times, and celebrate events like when Kamala Harris made history as first woman and woman of colour as Vice President of the United States of America, the fact that the Black Lives Matter movement sparked major changes across government, education, policies…

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