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Mandino

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Mandino

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Investments

Parents have a property and are looking to liquidate in the current uptrend. Expect to have a cashflow of ~500k that is not needed for immediate use. Should we sell and invest the money or is it better to just leave it and collect rental. TIA.
M
Mandino
Level 4. Prodigy
Answered on 03 Apr 2020
What did you with the property in the end?! :D Well, it takes most understanding & perspective of your situation to really get the most ideal advise and opinions. However, with this limited info, just to throw in a different perspective. Especially with the lower interest rates as of now, one can consider taking a mortage on the house right now and make new investments! The market is at a discounted price! Or maybe invest in another property and get more rent?! Wow! Of course, one would need a proper stragety and structure in venturing to all these different ideas. Hope your parents are doing well and are retire! Cheers!
ūüĎć 0

COVID-19

STI ETF

Investments

SeedlyTV S2E01

Given the current COVID-19 situation and DPM speech today, is it a Yay or Nay for STI ETF (RSS)?
M
Mandino
Level 4. Prodigy
Answered on 03 Apr 2020
Diversity, diversity, diversity. If you're willing to speculate and take a bet. Be ready to lose all that money. Have a great day! Cheers! PM really going to make a speech later also! :O
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Insurance

I kinda know how to invest myself, so regarding "Buy Term and Invest the Rest", what are the things I should look out for when getting Term? And what's a recommended insurance company I should go with regarding this? Why isn't there a "best" option?
M
Mandino
Level 4. Prodigy
Answered on 03 Apr 2020
That's something I have been asking myself for 5 years. "Why in the world people buy insurance?" "What's the best insurance?" "What's the "best" option?" Well, for one, each company plays to a certian group of people. Company A has more benefit for Smokers, Company B has better rates for people in their 50s, so on and so fourth. Like every other companies, each try to be different. Thus, each has their own niche. Hope you're doing well in this trying times bro! Or Sista! Cheers!
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Investments

Property

Lifestyle

Stocks Discussion

SeedlyTV S2E01

What are the precautionary measures that I should take in order to prepare for a recession?
M
Mandino
Level 4. Prodigy
Answered on 03 Apr 2020
Being of value to your boss. If you're self-employed, being of value to your clients and customers. On the practical side of things tho, yes, following Kenneth's lists is a really good idea. If a recession really do goes down, interest rates would tend to be lower, thus refinancing would be a good idea. Keeping cash is incredibly important. One thing I would also like to add is relationships. During the recession, it'll be a blood bathe, people would be out of jobs, market would be crashing. But end of the day, what's most important is that we don't lose humanity. We don't lose hope. It's the most trying time where we see ones true colours. Priorisites relationship above everything else.
ūüĎć 2

COVID-19

Career

Economics

SeedlyTV S2E01

Freelancers

I resigned from my full-time job 3 months ago to work as a freelancer but this was before Covid-19 got worse. Does anyone know if the government has measures to help freelancers like me tide over?
M
Mandino
Level 4. Prodigy
Answered on 03 Apr 2020
Look, even if the government steps in and help its citizens, it would be enough, at least not for my standards. In a meritocratic society, we are all responsible for ourselves. There's a saying that we're defined by the questions we ask. And I understand your situation, as a self-employed. We only eat what we kill. I wake up everyday thinking of how am I going to get my buck, next deals. However, consider asking yourself: "How do I give people value in this current situation?" "What do people need that I can contribute?" "What can you do to help the government?"
ūüĎć 0

COVID-19

Economics

Investments

SeedlyTV S2E01

How can companies digitalise and transform during this Covid-19 period and is the government providing any help?
M
Mandino
Level 4. Prodigy
Answered on 03 Apr 2020
Like what Shaun mentioned, there are a handful government programs for SMEs to start to learn and inculcate digitialisation and subsidies for addtional consulations. More importantly tho, would be. How are the leaders growing and shaping themselves and the team during this crisis?
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SeedlyTV S2E01

Career

What are some simple changes I can make to my life now in case I lose my job?
M
Mandino
Level 4. Prodigy
Answered on 03 Apr 2020
Ask your boss: "What is it that I need to do to get to my next promotion?", "I know you guys might not be looking at promoting anyone now, but when the time comes I want to be ready for it." This gives the idea to your boss that you're not expandable. You're essential and a someone who's willing to grow, and would be foolish of them if they were to let you go. Even if they were to let you go. People appreciate value. Learn how to position yourself where people can see the actual value you give to them, the KPIs and the ROIs. That's how you're gonna land your new job.
ūüĎć 0

Career

If I graduate as a business student (Bachelor -Accounting/Finance/IS) during a recession with no job offers, what should I expect? What will you do?
M
Mandino
Level 4. Prodigy
Answered on 03 Apr 2020
When there's no job offers, offer your service. At this point of stage, like what Jack Ma said, 20s is where you follow a mentor and learn. Google 'Gray Vee' and learn from him. Put yourself out there, learn. Bottomline, every business, every individual appreciates it when they are given something that is of value to them. What can you value can you give to business? It just came to mind, go to Instagram and search for "School of Impact". Loads of tips there.
ūüĎć 0

Career

COVID-19

What to do when you're stuck with a miserable job during a recession?
M
Mandino
Level 4. Prodigy
Answered on 03 Apr 2020
Hey, hope you're doing find! Totally understand what it feels like to have a unreasonal boss especially when you try to be nice but they take it for grated and are extremely toxic. And because of that looking for ways to manage it, if not change. First of all, I just want to thank you for serving as us in the healthcare sector. I know it might already feel like a warzone on a normal daily basis. And with resources running low, things are getting more tensed. Well, finding different jobs may not be the solution, because the bottom line is the company's culture and the environment that you want to be looking for and priorisiting. Going into another job, you might face the same problems. Unless you find one where it has a nurtuing, open and growing culture. If not, a coping machanism that I alwayed used during one of my most trying times was when I was in amry. I just told myself that everything was a game. Every uncomfortable situation that I went through was getting "experience points" and that sooner or later I'd "level up" to a better version of myself. So what you can consider, is learning how to take things from a different perspective and challenge yourself! One of the biggest thing you can learn right now that is transferable is communication. You can apply it to your boss, colleague, friends and family to build better relationships. Better communication would not only help you cope with your current situation, but if used correctly, you might be able to win your boss's favour! Google, "Never Split the Difference by Chris Voss". In first sight, you might not think this book is anyway applicable. However, if you give it a deeper thought and let it settle on your mind. It's actually a golden nugget that might be the key to your next promotion, career progession or better, getting your gf/bf to agree with you. Once again, whether you stay or leave. Thank you for your service.
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Level 4. Prodigy
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