Foundations for Family & Finance

All articles by Aaron Tay

As I speak to my clients, I realized that retirement is on their minds almost every day, especially if they do not like their work and only desire their monthly paychecks. So I decided to focus on helping them plan early for their retirement as my primary goal, so that they can be financially free
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Why Life Insurance is so important to me

As a boy, I was diagnosed with lupus and kidney problems. Growing up with much challenges physically and emotionally, I managed to complete my degree in Business Finance, and became a financial consultant. I was helping many people with their financial planning, insurance and investment management. I did well and was happy with my life.
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5 things you MUST know about life insurance

1. Premiums differ from various insurance companies As seen in the table above, a 35 year old male who wants to cover $300,000 for death, total permanent disability and major illnesses can choose from the above term insurances. The premium difference between the plans can be up to $518 per year. This means the policy owner can
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Retirement Realities in Singapore

“Don’t simply retire from something; have something to retire to”. ~Harry Emerson Fosdick Retirement is something we seldom think about. We are busy with everyday lives that we have no time to plan ahead. But at some point, usually after age 50, we will have to face the reality that our health may not be
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Family Governance

Family governance is a topic that most families in our modern age do not understand and are unwilling to address. When the word “governance” is mentioned, people back off and feel a sense of being controlled. Generally, people feel that the family ought to be a place where family members are free from any control,
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The Value of Value Investing II

How do we value investments in general? What are the principles and framework for us to value stocks, real estate, private business, etc? Can we, being lay people, confidently evaluate investments to get a good feel of the value and potential of the deal? The answer is yes. And the following are some guidelines I
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The Value of Value Investing

Benjamin Graham, the father of “Value Investing”, has made a profound impact on my view of investing. 10 years ago, when I started the financial advisory business, I was only focused on one thing; to help my client make MONEY in the SHORTEST possible time. In essence, I was a TRADER, rather than an INVESTOR.
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Father as Leader III

A father is called to set the culture and principles of the family. We, with the support of our wives, can be empowered and systematically grow the culture of our families. Our children, growing up in this environment, will have a greater chance of becoming individuals with strong confidence and character. The first 12 years
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Father as Leader II

How do we practically lead our families as fathers? From my experience, it really takes a conviction of our own principles and values as an individual. Even though leadership textbooks state that there are different “styles” of leadership, but I believe there is only ONE style of leadership – ROLE MODELLING. As men, we can
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Father as Leader

Fatherhood is the highest calling which is a man can respond to. When I was willing to accept the full responsibility of being a father, my entire heart started to change. No longer was I thinking about myself, my career ambitions, the size of my bank account, my car, my toys and gadgets, etc. These
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Being a Responsible Father

After one and a half years of being a father, I feel that it is nearly impossible to be a perfect father to my children. In this journey, I have the opportunity to really examine what does a father really mean in its truest sense. A father is the progenitor and the source of life
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Being Entrepreneurial!

I believe everyone is born entrepreneurial. Do you believe it? Notice that I did not use the word entrepreneur, which means someone who organizes a business venture and assumes the risk for it, but rather ‘entrepreneurial’. You do not need to be an entrepreneur to exhibit entrepreneurship. Many people are employees working for an organization
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Principles of Success

Is there a formula to becoming successful? What characteristics must a person possess to ensure that he will be successful in all areas of life? Although there is no standard formula for success, there are indeed some fundamental attributes that will make a person having higher chances of attaining personal success. I have listed 12
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