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Pascal S

I am a recent SMU MBA Graduate. I used to make a living "answering" questions. Now, I hope to make a living asking questions.

Pascal S

MBA Graduate at Singapore Management University

About

I am a recent SMU MBA Graduate. I used to make a living "answering" questions. Now, I hope to make a living asking questions.

Credentials

MBA Graduate at Singapore Management University

Pascal S

MBA Graduate at Singapore Management University

  • Answers (120)
  • Questions (2)
  • Reviews (8)

Entrepreneurship

Career

What is the best excel courses in Singapore?
Pascal S
Pascal S
Level 6. Master
Answered on 05 Apr 2020
Not Excel, but Google Sheet. And this one really helpful among the few that I have followed: https://courses.benlcollins.com/p/all-courses-bundle I am a native Google Sheet user.
ūüĎć 1

Career

Savings

Entrepreneurship

Can you be a successful poor person?
Pascal S
Pascal S, MBA Graduate at Singapore Management University
Level 6. Master
Answered on 10 Mar 2020
I'm successfully poor. Interesting way to look forward to being successfully rich. Define yourself by defining your own version of success...there are nuances and an over-simplification would be to draw a quandrant and jot down what are the factors that define success and grade them along your Y-Axis and use the X-Axis to define how much money makes sense to be alloted to each factor... Okay, just be happy and live in the moment. #yololo = you only live once, like one
ūüĎć 0

Entrepreneurship

Career

Education

What to do if you have a new app idea and would like to develop it but I have no app building experience?
Hey there, I have a plane to catch today, but the best pieces would be - Learn coding by picking the most popular language for Android development - Be relentlessly resourceful Regarding the first point, it could also be a web app, then other programming language would also work Regarding the second point, google the "no-code" movement and you will find ways to build a Minimum Viable Product to get your idea out there for testing... You can thank me later Cheers, Pascal
ūüĎć 0

Economics

Stocks Discussion

NYSE (New York Stock Exchange)

Investments

Wall Street has suffered its biggest one-day loss since the financial crisis in 2008. There was a huge 30% plunge in world oil prices minutes after markets opened. Should investors panic?
Pascal S
Pascal S, MBA Graduate at Singapore Management University
Level 6. Master
Answered on 10 Mar 2020
Everyone should be concerned right now. The virus is just an event (that will last for a period of time) and the ripple effect will heavily impact everyone. Although the markets might recover or show sign of recovery, the job market and the world economy will take a bit of time to resume working at full speed.
ūüĎć 1

Investments

StashAway

Hi, I have a lump sum that I want to put into Stashaway - should I do so in a one-time deposit or DCA over the months?
Pascal S
Pascal S, MBA Graduate at Singapore Management University
Level 6. Master
Answered on 06 Mar 2020
Hi Anon, I don't know. Like you, I have googled and been reading many different point of views. Everyone got something to say. I do too, now. Every year, on my birthday, I never forget to invest my hard-earned money into my portfolio. That is a lump sum and that is DCA. 2 in 1. Great deal, today. I hope it will reap a great return too, tomorrow in 2050. Cheers, Pascal
ūüĎć 0

Whole Life Insurance

Insurance

An agent recommended me Whole Life insurance multiplier with a premium term of 20 years. Can I treat this as a way to save my monthly income for the surrender value at the end of the policy's life?
Pascal S
Pascal S, MBA Graduate at Singapore Management University
Level 6. Master
Answered on 06 Mar 2020
If your agent is still around in 20 years time, then get it. Else, do not. If in doubt, call your agent if s(he) will be around in 20 years time. Life is good. Cheers, Pascal
ūüĎć 0

Savings

ETF

Robo-Advisors

As a fresh grad with no student loans, I have 20% of my income set aside for emergency savings + savings for big ticket items, 30% for passive investment such as ETFs, Robo-Advisors. Is this ideal?
Pascal S
Pascal S, MBA Graduate at Singapore Management University
Level 6. Master
Answered on 06 Mar 2020
Hi Anon, Well, it is not ideal. But you know what? It is fine. You are still "young" and you still have space to maneuver. Maintain your current pace, and you will be fine. But, optimize your spending and taxes along the way...oh, your earning potential too. Cheers, Pascal
ūüĎć 0

Stocks Discussion

SG Budget Babe

What is your 2020 investment goal?
Pascal S
Pascal S, MBA Graduate at Singapore Management University
Level 6. Master
Answered on 06 Mar 2020
Save a bit more towards my goal of buying an island!
ūüĎć 0

Lifestyle

I come from a relatively well to do family, and recently I've been getting to know this girl who is not well-to-do, we may end up together. How do I know she's not in this for the money?
Pascal S
Pascal S, MBA Graduate at Singapore Management University
Level 6. Master
Answered on 06 Mar 2020
Difficult question... I don't have a crystall ball and I am not a mind reader....I try to give you a not-so-generic piece of advice... And the advice is, "you don't know until its too late" Of course, if you think like what you are thinking, you will find excuses or at least, you would notice or over-notice things that you would like to believe.... Too bad. Life is good. Cheers, Pascal
ūüĎć 0
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