Keeping Crypto Records You Can Actually File
IRAS publishes a list of eight things your crypto records should contain. An exchange CSV gives you four of them, and ge...
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What a Car Actually Costs to Own in Malaysia and Singapore
A Singapore Category A COE closed at S$126,000 in July — roughly eight times the price of an entire new Perodua Myvi. Ro...
Living in One Country, Earning in Another
Singapore counts 183 days, Malaysia 182, Indonesia more than 183 — and all three count them over different windows, whic...
How to Read Your Payslip in Singapore, Malaysia and Indonesia
Every line on your payslip, what it actually is, who pays it, and which ones you can change. Including the Singapore ded...
If You Put Engineers Inside Your Customers, Do You Still Have a Software Company?
The question every product leader has about forward deployment is financial, and almost nobody selling the model will an...
What Changed in the Statutory Rates This Year
If you earn S$60,000 in Singapore, your tax bill this year is S$200 higher on identical income — and no rate changed, no...
What an LLM Actually Costs You
The rate per million tokens is the one number you cannot change, and the smallest part of the bill. Measured on 102 para...
P/E, PEG and DCF: Three Ways to Tell If a Stock Is Actually Cheap
A low share price is not a cheap stock. Here is what the P/E ratio, the PEG ratio, discounted cash flow and the dividend...
Option Greeks, Explained: Delta, Gamma, Theta and Vega Without the Jargon
An option's price moves for four reasons, and the Greeks are the dials that tell you how much it responds to each. A pla...
Coast FIRE: The Retirement Number Nobody Coined (2026)
The coast number is compound interest run backwards, and nobody can say who named it. The worked math, the nominal-vs-re...
The FIRE Number: The 25x Rule Neither Founding Paper Contains (2026)
25x appears in neither Bengen 1994 nor the Trinity study — it is 1 ÷ 4%. What the papers really tested, MMM's actual ass...
The 4% Rule: Where Retirement's Most Famous Number Comes From (2026)
What Bengen 1994 and the Trinity study actually tested, how the 4% rule gets misused, and why CPF LIFE and EPF change th...
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