CYH

Money can change behaviour when it is significant enough

It is easy for anyone to return a wallet and feel righteous about the act. But it becomes harder when the wallet contains a life-changing amount. Same thing for family inheritance. There’s nothing to fight for...

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Book of the Year 2020

2020 is an unforgettable year and it will definitely go into the history books. Many lives have been lost due to Covid-19 and the rest of us alive should be grateful and we should stay positive to rebuild our world. I...

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What is more deadly than bombs, war and fire combined – evolution

Singaporeans should have heard about Robinsons closing down for good. I read the memory piece by Straits Times and had the following reflection. The outlet at Raffles Chambers was hit twice by Japanese bombs in 1942. It...

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UX of a cash machine

I was at the NTUC supermarket queuing up to pay. There was a customer in his eighties making payment. He had no wallet and was counting his notes and coins. He inserted the notes into the cash machine and subsequently...

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It is okay that investors are not 100% rational

I loved to draw when I was young. And I scored pretty well in art while in school. But I don’t count myself as an artist. Far from it. I had no intention to become an artist. Maybe because I was told that it was...

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Evolution of human’s attire

170,000 years ago – Clothes. Africans started wearing clothes before migrating to colder climates at higher latitudes. 40,000 years ago – Shoes. Researchers have found several differences between feet that...

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Expressways = wealth pyramid

Typically, there are three lanes on the expressways. Rightmost = Lane 1 – sports cars Middle = Lane 2 – majority of the passenger cars Leftmost = Lane 3 – trucks, lorries and slow moving vehicles The...

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Value investors should adapt and invest in tech stocks but there’s a bubble brewing now

“Value investors are making an epic 34.7% short bet against the technology sector.“ The underperformance of value investing could simply be attributed to the absence of tech stocks in the portfolio. No...

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We cannot expect businessmen to operate out of benevolence but we also cannot expect goodwill from customers

Adam Smith was spot on to observe that people do not start businesses out of altruism. They start out of their self-interest. But this is what made capitalism work because trade and transactions could happen – the...

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New and Old Economies

Tech is currently driving the world’s economy while finance is taking a passenger seat. This is even more evident during Covid-19 – tech adoption was accelerated as consumer behaviours were reshaped....

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