Five Cents Ten Cents

Financial freedom, one realistic step at a time.

Panzer’s Road Map to Financial Freedom

This entry is part 1 of 2 in the series Journey

I am starting a manga series using Comipo tool based on my ebook “Road Map to Financial Freedom”. I will try to publish about one comics panel a week but if I don’t have much free time, I may post less frequently. Let me know your comments about this method of conveying the principles of financial freedom in manga form. :-)

Be well and prosper.
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Wishing all readers a Happy Lunar New Year of the Dragon 2012!


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Wishing everyone a Happy Lunar New Year of the Dragon 2012.

May your journey towards financial freedom be filled with wisdom, patience and success :-)

Be well and prosper.

Annual Review 2011


Soccer anyone?
I wrote a post about “Writing Your Life List” back in 2009. It was a useful exercise to put down digitally what I intend to achieve before I pass on from this world.

The original life list consists of the following:

  1. Travel business class on flight of at least 10 hours for business/pleasure
  2. Eat black ink squid rice in Korea
  3. Visit two of the places featured in Japan Hour
  4. Work for a local non-profit organisation full-time for 1 year at minimal pay
  5. Become the audit committee chairman of a listed company
  6. Run the half-marathon successfully and recover from it without injury
  7. See my daughter living an independent,  healthy, happy and productive life
  8. Obtain a class 2B licence
  9. Complete a triathlon safely
  10. Generate $50,000 passive income in 7 years’ time
  11. Take a train ride from one end of Australia to another
  12. Be a published author with sales of 20,000 copies of my personal finance book
  13. Be the champion of table-topics contest for toastmasters at district level
  14. Speak conversational Japanese
  15. Improve my mandarin to be able to blog in Mandarin

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What We Can Learn from the MRT Breakdowns


Taking the MRT (now known as the SMRT) to Marina Bay to see the Marina Bay Sands

The recent break-downs in the Singapore Mass Rapid Transit system or MRT (especially the serious ones last Thursday and Saturday along the North-South line) offers us some lessons in our journey towards financial freedom.

Numerous bloggers have discussed the socio-political issues arising from the breakdowns and SMRT’s top management’s abysmal lack of timely response and updates to the commuters. This post will not go over the same issues.

What is more instructive is to learn about how we can avoid the pitfalls encountered by SMRT during this recent crisis.

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