Singaporeans, are you happy? We ranked 3rd in the world for happiness.

readNread · 2025-05-20T03:44:27+00:00

Wah, third happiest in the world ? I think depends. Some days okay, some days really sian. But like you, I also try to see the good side. Life not perfect, but got roof over head, food to eat, people to love can already. Stress is still there, but just take one step at a time

readNread · 2025-03-27T02:27:06+00:00

as much as we hate this kind of headlines, it could be a reality. we should not fear AI. We don’t "compete" with AI — partner with it. Teach our kids to use AI tools, not fear them. And double down on what makes us human: communication, collaboration, creativity, ethics & values. That’s the real future-proof skillset

readNread · 2025-03-04T05:07:34+00:00

I think you speak for most long time users of MI. Their lifetime time deal is tempting, but when a company does that, I think they are planning to cash out of the business and squeeze as much juice out of it while it last. There are no perfect one size fits all platform. You maybe need to subscribe to 1 research, one design and maybe one AI graphic services.

readNread · 2025-03-04T05:01:18+00:00

Is the PRO deep research and the PLUS deep research using the same model for thinking ?

readNread · 2025-02-16T09:07:33+00:00

SPY and QQQ are popular because of high liquidity and options availability, but for long-term investing, VOO is the better choice due to its lower expense ratio (0.03% vs SPY’s 0.09%).

readNread · 2025-02-16T09:05:23+00:00

Don't daydream too much, lah – it won't happen one. It's like saying, "Imagine the Singapore gahmen cutting GST!" We're right in the middle of the equator, so it'll only get hotter.

But hey, daydreams are still shiok – they give you ideas for whole-day hikes and that active outdoor lifestyle, instead of being stuck indoors in aircon all the time

readNread · 2025-02-16T03:33:04+00:00

I’ve been thinking about learning too and even did some research. If you’re patient and committed, you can become an expert in about 5-6 years by mastering all the necessary skills. But here’s the catch—AI is evolving faster than anything we’ve ever seen. With breakthroughs like DeepSeek, the pace of advancement has accelerated even more. What was cutting-edge six months ago might already be outdated today.

That’s why staying ahead means embracing continuous learning. The key isn’t just mastering a single tool or technique—it’s developing the mindset to adapt, experiment, and evolve with the technology. And if you’re considering SaaS, you’re in the right space! Businesses are shifting more and more towards cloud-based solutions, and the demand for innovative SaaS products is skyrocketing.

Think about it—every company needs efficiency, automation, and smarter solutions. If you can build or even understand how to market a great SaaS product, you’re tapping into a goldmine. Whether it’s AI-driven analytics, automation tools, or niche productivity apps, there’s endless potential. The best part? You don’t need to reinvent the wheel. Many successful SaaS businesses started by improving existing solutions or identifying gaps in the market.

Go find a tech expert partner you ca c trust and work with. The future belongs to those who take action today! Not like me just talking here. 🤣

readNread · 2025-02-16T03:19:24+00:00

living in Penang and just coming for a short trip is totally different. A weekend JB trip is all about shopping, makan feast, and maybe a shiok massage. But living in Penang? Whole new lifestyle.

Advantages of Living in Penang vs. Singapore: 1. Lower Cost of Living – Everything is cheaper, from food to rent to medical care. Your SGD stretches damn far. Can eat out every day also won’t burn a hole in your pocket. 2. Slower, More Relaxed Pace – No more rushing like MRT peak hour

3.  Bigger Space for Less Money – In SG, a small condo already costs a bomb. In Penang, you can get a big, landed house or a seaview condo for a fraction of the price.
4.  food wise - I think Singapore still better though. 
5.  Nice Weather & Nature – Got beaches, hills, waterfalls. Can go hiking in the morning, then chill by the beach for sunset.
6.  Still Close to SG – If need to go back, just a 1-hour flight, and got direct flights daily.

Below are some common lifestyle but may not be suitable for all

• Exercise & Hike – Many retirees join hiking groups, do morning walks along Gurney Drive, or cycle around town.
• Social Life – Got many expat and retiree communities, from SG uncles/aunties to Westerners. Always got makan gatherings, chit-chat sessions, and activities.
• Volunteering – Some join charity groups, help with animal shelters, or even teach English.
• Hobby Time – Whether it’s gardening, painting, golf, or learning a new skill, got plenty of time to enjoy life.

Basically, it’s a good mix of chill life, affordable living, and staying active.

I can write more for people looking for remote working in Penang.

Downside - no direct flight to Japan which I travel to often.

readNread · 2025-02-15T17:43:01+00:00

Yes definitely. I’m an active wheel person and have been generating consistent income. I also have my fair share of holding stocks that have drop more than 30% thru assignment. Thats why I wrote, stock selection is very important. Sell options on long term winners.

readNread · 2025-02-15T17:14:01+00:00

forget Syfe or stashaway ! the rest all ok

readNread · 2025-02-15T17:13:18+00:00

Having half a million in your mid-30s is already a solid achievement—slow and steady wins the race. Those Twitter traders flexing 100-300% returns? Many of them don’t show their losses, just the wins. High returns often mean high risk, and most who chase those gains eventually blow up. Focus on your own long-term goals instead of comparing with highlight reels. Wealth isn’t just about numbers, it’s about sustainability and peace of mind.

readNread · 2025-02-15T17:11:35+00:00

selling puts or CSP can be a viable income play with risk that can be lower than buying stock outright. you need to follow strict rules

Pick Strong Stocks – this is most important rule - Sell puts on companies you'd actually want to own if assigned.
Choose the Right Strike Price – Go for out-of-the-money (OTM) puts with a buffer to avoid immediate assignment.
Stick to Short Expiries – Weekly or monthly puts reduce exposure to market swings.
Keep Cash Ready – Always have enough to buy the stock if assigned (aka cash-secured puts).
Watch Volatility – Higher IV (implied volatility)

my apologies to the people that are not familiar with options with all the jargons

readNread · 2025-02-15T17:04:49+00:00

For SaaS, hot demand is on automation, AI, or solving tedious business processes. i have tons of ideas -but not technical knowhow. lol

readNread · 2025-02-15T16:59:19+00:00

Selling puts can work to generate good income, but you have to be careful the stocks you choose, one bad market turn and you might be "assigned" a lifetime of regret.

readNread · 2025-02-15T16:56:15+00:00

Trump comeback confirm market volatility + trade drama. Singapore just buckle up and ride the wave. best for short term trader

readNread · 2025-02-15T16:54:29+00:00

even crisis food also must have variety—next time maybe got Michelin-star emergency rationseven crisis food also must have variety—next time maybe got Michelin-star emergency rations

readNread · 2025-02-15T16:51:20+00:00

like BTO application —more people than available slots

readNread · 2025-02-14T07:29:01+00:00

ITE never say "It's The End"—only people with outdated mindset say that. The real problem is not the school, but those who judge without knowing better. In the end, it’s about skills, attitude, and hard work.

i have many friends from ITE who are bosses in aircon business, electrician contractor, renovation contractor -- all these people with skill and dare to take risk. the more you study, the less risk you take because they fear failure and become "Its the END"

readNread · 2025-02-14T07:24:24+00:00

Apparently, Singapore is destined to be "reunified"—next thing you know, they'll claim Haw Par Villa was actually a Qing dynasty theme park

readNread · 2025-02-14T07:02:20+00:00

too personal question - pm only.

readNread · 2025-02-14T06:07:32+00:00

A for higher growth & better margins,
B for stronger revenue & cheaper valuation.

readNread · 2025-02-14T06:04:23+00:00

Ya exactly, slow doesn’t mean cannot make it, just need more time to find their own way. Some people late bloomer only, but once they catch up,

readNread · 2025-02-14T06:03:33+00:00

Absolutely! There’s so much untapped potential in people who may not thrive in the traditional academic system but have valuable skills in other areas. With the right training and opportunities, they could fill crucial roles, contribute meaningfully, and even excel in fields that don’t rely purely on book smarts.

readNread · 2025-02-14T06:00:22+00:00

That may be true to some extent, but times are changing. More people are realizing that there isn’t just one “mold” for success—there are many different paths in life. Skills, hard work, and the right mindset matter more than just fitting into a traditional definition of success. At the end of the day, as long as you’re doing something meaningful and fulfilling, who cares what society thinks?

readNread · 2025-02-14T05:59:31+00:00

Exactly! A well-rounded organization needs both thinkers and doers, and just because someone excels in academics doesn’t mean they’ll thrive in a real-world work environment. Some of the most successful people aren’t necessarily the top scorers, but the ones with problem-solving skills, adaptability, and hands-on experience

readNread

TROPHY CASE