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…
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…
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…
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…
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…
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…
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…
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…
Ever since Trump campaigned for his second term, crypto has always been on the table. However, crypto price died down for a while after Trump’s victory in the elections, went for a bull run and die down again now. As…
Fu Shou Yuan is a funeral service which I invested in since last year. Despite my confidence in the company, stock prices has been steadily going downhill, causing many investors to lose faith. When prices are good, there are many…