International Schools
In my previous post I talked about going overseas, and international schools is one of the many very feasible methods to do so. From now on I will try to keep my posts shorter so that it is easier to…
Pencil Leads
Moving Overseas
Prices are determined by demand and supply. This is the same for everything that can be transacted, including our labour. How much you are paid for is determined by how rare your network, skills and whatever attributes that can net…
Problem Solving In Life
Many people equate doing well academically to doing well in life. This was especially true in the previous generation, because the supply of educated people who can solve higher level problems were low back then. University graduates could handle tasks…
Why It Is Difficult For The Middle Class To Save Their First Pot Of Gold
In certain societies, climbing up from the bottom class to the middle class may be a difficult but realistic target. Achieving good academic results and going on to getting a decent job would be the default route. However in most…
My Child
Assume I have a child now, and I tell everyone that I will groom him into a very successful person in the future. I have the network, resources and expertise to help him succeed in life. Being born into such…
Swiss Cheese Model
The Swiss Cheese Model is a model used in risk analysis and risk management. In summary, human systems are compared to multiple slices of Swiss cheese which are stacked side by side, each layer having holes of random sizes and…
Goldman Sachs’ Total Return Swaps
In my last post, I talked about Goldman Sachs’ research report. The report indicated that the software sector was at the bottom of their list in terms of capital intensity. The report had good analysis and sound logic. But to…
Capital Intensive Industries – The Next Opportunity
Goldman Sachs published a research report on capital intensive vs ‘capital light’ businesses on 24 February 2026. The full 23 page research report can be found here, but I will summarise in plain simple English for my readers. This article…
The Economic and Banking Cycle
Few days back I bought another stock, the Postal Savings Bank of China (PSBC). I posted trade on my Red Note (Xiaohongshu) and there were readers asking if I could share the logic behind it. Today we will look at…
Studying Overseas
To many students and families, studying overseas is a very expensive venture. In the past, an overseas education is a glorious thing. People come back with good jobs. But as with monetary inflation, education has also seen a rise in…