If you have frequented enough places that promote haircut at $3.80 or $5 you will notice that most of these salons will try to engage in the following tactics to earn more money from you. 1. Upsell - they will sell you packages like $38 for 10 haircuts or $50 for 10 haircuts. Because at any point in time, there are always "unredeemed" haircuts which means that these hair salons can capitalise on future earnings in some sense. 2. Cross-sell - they will sell you other services like hair colouring, wash and blow, hair scalp treatment, hair care products which can sometimes cost hundreds of dollars. To tie everything together, when these hair salons lock you in for 10 haircuts, it provides them plenty of opportunities to up-sell and cross-sell you the abovementioned. The basic hair-cut is just a bait, the real money is made from the other haircare services and sale of hair care products.

Will be my first time!

Ideas are not worth anything until they are executed well and eventually lead to some form of sucess. There are however a few things to consider: 1. First mover advantage - If there are no players in the market with the same business model as what you have in mind, being the first to actually execute your idea might be able to help you not only secure a sizeable market share but also protect your idea(s) as being original. 2. Patents/Intellectual Property - Check with IPOS how you can protect your idea(s) in the form of patents or trademarks. https://www.ipos.gov.sg/

You are partially right to say that a new regulation might "break your entire thesis about one particular company" if you look at the bidding of digital bank license from MAS. If a fintech company is not in a capacity to comply with the capital requirements to secure a digital bank license, then a lot of its plans and roadmap may have to adjusted or tweaked, sometimes even at risk of ruining a sustainable/profitable business model. This is a problem that Grab and Razerpay is facing as they're the only 2 confirmed parties that are still in the race to secure a digital bank license. They would have to come up with a profitable business model to justify the $1.5B capital requirement down the road. This is no simple feat but if executed well, could very well catapult the company to be one of the most profitable fintech unicorns. But if from the start you have a business model in the payments industry that is compliant with the Payments Services Act 2019 and other relevant regulations, I do not think any change in regulation would be so drastic to the point it will inadvertently break your entire business overnight. Looking at the current landscape, MAS do hold talks with players in the industry and sought ideas on how to best regulate the industry. I think this healthy relationship between players in the industry and the regulator(s) is crucial to not stifle any innovation in this space as well.

Fun Facts: - One cannot Leia hands on CPF until 55. - Han Solo can only get BTO at 35. - C3PO saw the most ROI because he "C"(see) "3PO"(triple).

Instead of planning how much time to spend on bonding activities with your loved ones per week , consider making it a routine if your schedule permits. For example, having breakfast with your family on at least one weekend day, going for a family outing every Sunday, coming home for dinner at least twice a week. Things like these mke it easier to commit yourself to spending quality time with loved ones.

Approaches to diversification: 1. By geographic region Will suggest you start off with SGX and once you're comfortable and understand how the exchange landscape works, you can start exploring other exchanges to trade US and HK stocks. You may wish to note that some local stocks have exposure to properties or operations overseas also. 2. By sector You may wish to explore a variety of sectors such as the finance sector(banks) and the manufacturing sector(e.g semiconductor) and even REITs(property). 3. By size Larger companies(otherwise known as blue-chip stocks) tend to have more stability in price(limited capital gain potential) but a decent dividend yield. Smaller cap stocks on the other hand, have more upside potential when it comes to price but dividend yield may be limited or non-existent. A more risk-averse approach would be to have a larger composition of blue chips in your portfolio and vice versa.

The most important thing to do would be to max out the CDA account for your child. The dollar-for-dollar matching of savings means that the government will match up to $3,000 when you deposit your first $3,000 in to the CDA account. Planning for your child's future milestones like university tuition fees might be a decision that you want to take at this point. You can consider an investment portfolio consisting of endowment plan, equities, bonds, etc. Allocation and contribution per month will depend on how much you intend to provide for your child's university education(you may wish to provide part of or fully cover their university education) when the time comes.

Having the chance of achieving 20% yield is one thing, the likelihood of that and the likelihood of negative returns is another. I think if you understand the inverse correlation between risk and returns then you will understand that a 20% annualised yield will naturally come with considerable amount of risk. The decision to target what percentage of annualised returns should be a reflection of how much risk you're willing to undertake. That will be a more meaningful metric to consider when it comes to achieving your desired annualised yield, rather than simply is X% annualised yield achievable.

1. Putting all your eggs in one basket. Pretty self explanatory. Overexposure to a single counter will dramatically affect your portfolio returns should it tank. 2. Not maintaining a sizeable warchest for the following reasons: - Inability to dollar cost average down for instruments you own and still maintain a bullish outlook - Inability to buy the dips on instruments on your watchlist 3.Not doing your own due diligence. Never blindly follow what people tell you to invest in. Trust no one, not even your friend or family member.