Financial Advice For My 25 Year Old Self

Assuming that my 23 year old self had followed a disciplined approach to balance my income and expenses, at 25 years old I should be well into building my emergency savings. Once I have accumulated an emergency savings worth 6 months of expenses, my savings should now go into riskier investments. There will be things… Continue reading Financial Advice For My 25 Year Old Self

Financial Advice For My 23 Year Old Self

My first job as a telecommunications engineer paid about MYR2,300 (~USD600) a month. That's pretty reasonable for an entry level job in Malaysia but boy sometimes it seemed that I could never make any headway with my savings. If only I knew then what I know now about managing personal finances. I didn't really keep… Continue reading Financial Advice For My 23 Year Old Self

It’s Not You, It’s The Machines

About 70% of the trades in the US stock market are made by computers. That means that there are many computer programs that automatically buy and sell stocks everyday without human intervention. The programs take in a variety of inputs such as the news, analyst reports, financial performance, economic data, etc. and then make a… Continue reading It’s Not You, It’s The Machines