Tampilkan postingan dengan label books. Tampilkan semua postingan
Tampilkan postingan dengan label books. Tampilkan semua postingan

Poetry on a Friday

Meet Anna, the latest addition to my daughter's doll collection. If you notice that Anna seems to be wearing something very similar to a CHIJ Saint Nicholas uniform, well, that's because she is.
I received this little doll last Friday afternoon, as a token of appreciation from the school. CHIJ was organising a poetry event, and I was one of the two invited speakers. The other invited speaker was Marc Nair, who had recently published his second book, entitled Chai, which is a collection of his travel poems.

About 250 students attended. Most were from CHIJ Saint Nicks itself, but there were also perhaps 20 students from other schools including Anderson Secondary and Deyi Secondary. I spoke about how to explore one's everyday experiences and circumstances and use them as material for creative writing. In retrospect, I probably could have simplified my presentation and made it a little less high-brow.

I also read five poems from my book Two Baby Hands. One of the poems was The Couple Next Door, a poem about wife abuse, set in the HDB heartlands. Coincidentally, a CHIJ literature teacher told me that another school, Singapore Chinese Girls School (SCGS), had just used this poem to set an exam question in their literature prelim paper.

    The Couple Next Door

    Sometimes at night I hear them fight. I think
    it's over money. Usually he's drunk. He always wins.
    Hits her with something heavy - I can't tell what.
    She cries awhile, then falls silent. A door slams.
    This happens about once or twice a week.

    I listen intently to all their fights. I blast my radio.
    He will hear me. And know that I can hear him too.
    My small intrusions. My vague useless gestures.
    My rock music turning violent, bearing futile witness,
    battering doors at midnight demanding entry.

    What does she do, after he falls asleep?
    Perhaps she lies besides him, counting the reasons
    not to leave. This time not so bad, no need to see doctor.
    Maybe: I cannot go. We are already married.
    Or worse - He won't do it again. I know he won't do it again.

    Sometimes in the mornings, on the way to work, I see her
    in the common corridor. She must know that I know.
    Her eyes avoid mine. I let the walls stand.
    I will be the stranger who sees and hears nothing.
    I believe we both prefer it that way.

Perhaps a little overly dark, for teenaged students. But then again, perhaps not - since SCGS had seen fit to use it as an examination question. Ah well.

Quite a number of secondary schools in Singapore use my poems for their literature lessons from time to time. It all started several years ago, when the Education Ministry asked for my permission to include my poems in their official "teaching resources" file, for literature teachers. Although I don't get paid for this, I am pleased that this allows many of my poems to get a regular readership, year after year, among Singapore's literature students.

Even if my poems are now ... homework. :D
Gadis Bispak Imut

Babies and Fractures and Einstein on the Violin

In terms of manpower, my department has been jinxed most of the year.

Here are the developments in October alone. One colleague went on paternity leave. Another colleague will go on paternity leave any day now. And another colleague fell down a staircase this week, fracturing her leg, so that means six weeks' MC.

I am happy for the two new dads. And very sorry for the stairs-tripper. I am also sorry for myself - because guess who has to do all the work, while all these other people are away?

Rather ironic, because next week I am to give a talk at CHIJ Saint Nicholas (it's a literature camp, for students from six schools) and one of the things that the organiser asked me to talk about is how I successfully juggle my career with my creative writing.

Since blunt honesty is one of my more endearing traits, I don't think I will paint a pretty picture for them.

It's bloody tough. My progress on Book 2 is slow as snails.

One thing I will say is that everyone should have at least one passion, outside of and away from their career.

Doesn't matter what you do for a living, doesn't matter even if you really, really like your job. That one passion, away from your main job, allows you to recharge, renew, gain another perspective, live and learn and grow in a different way.

If creative writing is your thing, then that's great. If it's something else, that's great too. As long as you find it.

Einstein used to play the violin. Did you know that?

In other literary news, I'll be reviewing a new book - Reaching for Stones, by Chandra Nair - for Quarterly Literary Review Singapore. This is a pretty hefty collection, compiling his poems from 1963 to 2009. No further comments from me at this stage, as I just received the book (free review copy, yay!) yesterday and haven't read it yet.

Also, my publisher just told me that he's in talks with an electronic publisher in the US to license them the rights to reproduce and distribute my poetry book Two Baby Hands in any "electronic format or media, now in existence or hereafter developed".

I wonder whether that means I'll be able to read my own book on my iPhone. I would love to be an iPhone app - wouldn't that be cool?
Gadis Bispak Imut

How To Teach Your Kids To Read

ST Jan 30, 2008
Revamp to Reading Scheme Ups Its Pass Rate
Instead of remedial lessons, English Learning Support Programme focuses on skills
By Ho Ai Li

AN IMPROVED version of a programme that helps pupils who are weak in English has led to higher passing rates for them, the Ministry of Education (MOE) said yesterday.

The scheme, known as the Learning Support Programme (LSP) for English, emphasises pronunciation and recognition. Under it, pupils who had barely understood two-letter words later learnt how to read long passages and passed their exams.

Around 65 per cent of the 402 Primary 2 pupils in this pilot scheme eventually made the grade compared to only 40 per cent previously, the ministry said.

The new scheme has made such a difference that it has been rolled out in all primary schools.

Around 5,600 pupils who are less proficient in reading than their peers will come under this scheme. This comprises up to 14 per cent of each Primary 1 cohort.

While the old lessons were remedial and no different from the usual English classes, the new ones focus on skills, said Ms Thoo Mei Lan, a senior reading specialist at MOE.

Senior Parliamentary Secretary for Education Masagos Zulkifli gave reporters an update yesterday, saying that the ministry had looked into improving the LSP as its pass rate had been 'hovering at 40 per cent for a long time'.

Many pupils start Primary 1 not being able to read words like 'on' or 'is', said Ms Thoo.

Now, they are taught to recognise the letters of the alphabet and to decode and spell words. After going through the programme, they should be able to read even polysyllabic words such as 'sapphire', she added.
This article makes me feel a little sad. It's not that difficult for parents to teach their little kids to read.

My son knew all the letters of the alphabet even before he could talk. (If you wrote out all 26 letters of the alphabet, he would be able to correctly point out whatever letter you randomly asked him to point out). Before he could even hold a pen properly, he could already spell words like “cat”, “dog” or “house”.

My daughter is three years old and can recognize probably around 200 different words with no conscious effort. She has a good grasp of phonics and that enables her to break down more complicated words (“COM-PLI-CA-TED”) and figure out how they sound, even if she doesn’t know the meaning.

What’s the simplest way to teach a toddler his ABCs? Put him in front of a TV, and play a Sesame Street VCD. That’s it.

As the child progresses, you substitute with more advanced VCDs. I highly recommend “Between the Lions”, for kids who have learned their ABCs and moving on to learn simple words. The storylines are so wickedly humorous and entertaining and the music so good that as an adult, I enjoy watching the show too.

Many people think that TV is bad for kids, but that has not been my experience. In my opinion, it largely depends on what programmes you let them watch. These days, plenty of excellent children’s shows are available. You just have to choose intelligently.

Of course, books are also of vital importance.

The trick to teaching a little kid to read is to make it fun. There should be no coercion or pressure – it would kill the kid’s natural joy for learning.

Buy a wide variety of children’s books and leave them in your kid’s room. Always let the kid choose what he wants to read. If the kid loses interest halfway and doesn’t want to read anymore, just stop right then.

Where can you get lots of good children’s books, without burning a hole in your wallet? Look out for the book sales by Times or the National Library, at the Singapore Expo. At these events, books go at extra cheap prices. Buy in bulk. I go to these events with my suitcase, no kidding.

If you don’t want to wait for these events, go to the Children’s Book Store on the 4th floor of Bras Basah Complex. This is a place where kindergartens and playschools regularly source for children’s books. You get brand new books here at very cheap prices – most books would be between $3 and $8.

When you read to your child, be sensitive to the material. Different books can be used, and are designed to be used, in different ways.

Don’t read like a tape recorder. Keep the process interactive. Give the kid time to point and poke at the pictures. Before you turn the page, ask the kid to guess what’s going to happen next.

Read dramatically. Act out the story as you go along. Ask your child supply the sound effects (for example, if you are reading a story about the Dark, Dark Woods, ask him to howl like a lonely wolf).

As your child’s reading skills improve, take turns with him to do the reading – get him to try reading the next word, or sentence or paragraph. Invite questions – talk about the animals, or the flowers, or different countries, or good manners, or whatever the book is about.

Young kids often like to read the same book again and again. This is normal – they need the repetition to learn. Don’t be impatient or bored. Get innovative in the way you read. Entertain them, and yourself.

Reading with your child is a good way to bond. It’s also like aerobic exercise. 20 minutes a day, three or four times a week, is enough for excellent results.
Gadis Bispak Imut

The Modern Risks of Information and Advice

In my earlier post, I wrote about the school principal who had strongly urged her Secondary 5 students to give up studying for their O-levels and go to the ITE instead. This incident reminded of Freakonomics, a very interesting book that I had read some time ago.

Here's the relevant point from Freakonomics. As society grows more complex, more and more specialists evolve. Doctors, lawyers, financial advisers, property agents, journalists, religious leaders and car salesmen - all of them are specialists of a different kind.

The individual cannot possibly be an expert in every field relevant to his life. So he must often rely on advice from different specialists. For example, if he is ill, he will consult a doctor. If he wants to buy a car or sell an apartment, he will talk to a car salesman or a property agent.

The Freakonomics authors warn us that very often, the specialist's self-interest is not fully aligned with the self-interest of the person seeking information or advice. In other words, it often does not serve the specialist to tell you everything that you should know.

For example, it may take too much time for the specialist to tell you everything you should know, and there is no reward for doing so - therefore he won't.

Or the specialist might deliberately withhold certain information about his product / service, because if you knew all its flaws, limitations or disadvantages, you might not want his product / service any more.

Or he may deliberately slant or angle his advice in certain ways, so that you will be inclined to make a decision that serves his own self-interest.

And there is usually no equal footing, because the specialist, by virtue of being a specialist, already knows more than you. He holds the edge.

Let's now consider our education system. Socially, we are conditioned to think of education as a noble thing, and of educators as noble people. Certainly this view has some validity - some people would say, a lot of validity.


But at the same time, we must realise that there are different actors within the school system. Different actors means different self-interests, and that means the Freakonomics info/advice problem must arise again.

What's good for the Ministry of Education is not necessarily good for the principal. What's good for the principal is not necessarily good for the teachers. What's good for the teachers is not necessarily good for the students.

And what's good for the students may not necessarily be good for the teachers, principal or the Ministry of Education.

(Minor digression - here is a brief
account of how I, as a student, went against the government's then-prevailing career advice for young Singaporeans. I thereby became quite rich and successful).

It is very good for the principal, if the school achieves a high overall pass score. An ambitious principal may well aim to achieve, say, a 98% or 100% pass score. It is conceivable that such an ambition may heavily shape a principal's advice to the students or the way the principal runs the school.

For example, the principal may discourage students from exploring knowledge outside the formal school syllabus (such extra learning may be good for the students, but will not help the overall pass scores).

Or the principal may prevent the students from taking subjects which the students are interested in, but which are considered harder to pass (for example, Further Maths, or Art, or Literature).

Or the principal may seek ways to put extreme pressure on the students to work as hard as possible, such that a few of the less-resilient students will inevitably suffer
severe stress.

Or the principal may advise the weak students to leave the school and pursue other options elsewhere (if these students stay, and fail their exams, then the overall pass scores would be damaged).

And the students may never realise that their education is being shaped, not by considerations of what is good for them, but of what is good for their principal.

The Freakonomics authors do not say, of course, that in every case, specialists are out to hurt the advisee's position. In many situations, the interests of the advisor and the advisee could be well-aligned - this means that the advisor has a strong incentive to be genuinely helpful.

What Freakonomics does warn us is that when we receive any specialist advice, we should pause to ask ourselves - what are all the possible reasons why the specialist is telling us what the specialist is telling us?

Final food for thought. Here's that Bertrand Russell quote again:
"Passive acceptance of the teacher's wisdom is easy to most boys and girls. It involves no effort of independent thought, and seems rational because the teacher knows more than his pupils; it is moreover the way to win the favour of the teacher unless he is a very exceptional man. Yet the habit of passive acceptance is a disastrous one in later life. It causes man to seek and to accept a leader, and to accept as a leader whoever is established in that position." - Bertrand Russell.
So beware of the specialists in your life, whoever they may be.
Gadis Bispak Imut

The Carnegie Secret

This man is Andrew Carnegie. If you draw up a list of the 50 most successful people who have lived anytime in the past 100 years, there is a very good chance that his name would be on that list.

Carnegie grew up in a poor family. His father was a hand loom weaver. His mother was the daughter of a shoemaker. One of Carnegie's first jobs was as a messenger boy in a telegraph company , earning $2.50 per week.

Despite these humble beginnings, Carnegie ended up building one of the most powerful and influential corporations in the history of the United States. By the 1860s, he had investments in railroads, railroad sleeping cars, as well as bridges and oil derricks. In the 1870s, he founded the Carnegie Steel Company, which eventually became the largest and most profitable industrial enterprise in the world.

Carnegie wasn't just a business tycoon. Among other things, he was also a scholar and a social activist. He became one of the best-known philanthropists in the world, and had a special interest in funding local libraries, world peace, and scientific research. By the time he died in 1919, he had given away USD $350,695,653 (approximately US$4.3 billion, adjusted to 2005 figures). After his death, his estate continued to donate millions of dollars to charitable causes.

Carnegie, as social activist, also had several interesting theories. One of his key ideas was that wealthy people had a responsibility to redistribute their wealth back to the poor in society, for the greater good of mankind. He called this idea the
Gospel of Wealth.

Anyway, Carnegie had a secret. It was later known as the Carnegie Secret. Apparently Carnegie discovered this secret all by himself. He felt that it was very, very important. It was basically the secret to achieving just about any goal a person might have. Carnegie felt that he should teach this secret to everybody, to share it with the rest of the world. How did he try to do this?

He met a young journalist. He explained the Carnegie Secret to the journalist. He wanted the journalist to write about the Carnegie Secret. However, Carnegie didn't want the journalist to simply take Carnegie's word for it, that the Carnegie Secret was true and really worked. Carnegie wanted the journalist to vigorously investigate and test the Carnegie Secret and be personally convinced of it . How? By researching the most successful people in the United States, and meeting them personally wherever this was possible, and asking them if they too, knew the Carnegie Secret.

It was a project that lasted 20 years. During this time, the journalist personally met with, or did research on, people like
Henry Ford, Theodore Roosevelt, Thomas Edison, Alexander Graham Bell, John Rockefeller and many others. In total, the journalist did his research on more than 500 extremely affluent, powerful and/or successful people. And eventually, that journalist, Napoleon Hill, did write a book about the Carnegie Secret. First published in 1937, the book continues to be sold today, 70 years later. It is one of the bestselling books of all time.

The book, of course, is about TAR.

It is not one of my favourite books. One reason is that I find it rather dated - the examples and illustrations it uses are drawn from the world as it was in the 1920s and 1930s. The book also presents conventional, non-TAR wisdom such as the importance of persistence and good planning, which is rather obvious and self-explanatory to me. However, a good chunk of the book does revolve around key words like "thought", "faith", "visualisation", "imagination" , "subconscious mind", "reality", "the sixth sense", "autosuggestion", "positive affirmation", "the transmutation of sex energy", "the science of prayer", "Infinite Intelligence" etc. In other words, hardcore TAR.

As I said - it's not one of my favourite books. But it is one of the pioneering works, and it would be unfair to regard it as anythng less than a true modern classic. It is Mr Andrew Carnegie's secret. In case you're interested, this is the book -
Think and Grow Rich.
Gadis Bispak Imut

Good Books

A reader asked if I read self-improvement books. I certainly do.

To begin with, I read lots of books in general, and a sizeable portion of what I read are "how-to" books. I have "how-to" books on
raising little kids; meditating; investing my money; photography; Microsoft Excel; law; business; banking etc etc, and for obvious ulterior motives, I also like to buy recipe books for my wife.

And yes, my "how-to" collection includes many titles on self-improvement, including titles by Stephen Covey, Napoleon Hill, Anthony Robbins, Tony Buzan, Brian Tracy and other lesser-known authors.

I’m aware that many people feel strangely adverse about self-improvement books. It goes beyond mere disinterest – it is actually an adverse feeling about the entire genre.

These same people wouldn’t hesitate to buy a recipe book, if they were into cooking. They wouldn’t hesitate to buy a book about how to look after a dog, if they had just bought a dog. But they wouldn’t even want to be seen in the self-improvement section of a bookstore, holding a book with a title like "How To Succeed in Life" or "Time Management for Dummies".

It’s interesting to examine the reasons why.

I think that some people feel that self-improvement books are for dysfunctional, inadequate people, who already have difficulty coping with everyday life and therefore need some self-improvement. According to this logic, if you buy a self-improvement book, you’re admitting to yourself that you’re dysfunctional and inadequate.

Heheh. If you subscribe to such logic, then you have some big insecurities to face up to. Enough said.

Others may feel that self-improvement books are full of good advice that can’t be followed. In other words, they doubt their own ability to apply whatever ideas they might come across in a self-improvement book. It is true that if you don’t apply the good advice that you read in a self-improvement book, then it will be of absolutely no value to you.

However, it is also true that if your mother, teacher, mentor, pastor, boss, doctor or best friend gives you good advice, and you don’t apply it, then the good advice will also be absolutely of no value to you.

If you go through life doubting your ability to apply the good advice, ideas and suggestions that come your way, then life will be quite challenging indeed. You’ll just have to rediscover and reinvent the wheel again and again. Others would have faced the same challenges in life as you have, and they would be willing to share those lessons. But if you do not wish to learn from the experiences and insights of others, well, you’ll just have to struggle on, on your own.

Now, of course I am not saying that everything written in a self-improvement book is going to be relevant, useful or appropriate for you. Similarly, not everything that your mother, teacher, mentor, pastor, boss, doctor or best friend tells you is going to be relevant, useful or appropriate.

Still, it seems wise to pay at least a little attention to what they have to say, and think about it. Take what you find is useful, and leave the rest behind.

I am also not saying that the application of good advice is always an easy thing. Then again, because good advice comes in many different forms on many different topics, it cannot be the case that it is always a difficult or impossible thing.

Incidentally, you could jolly well think of holy texts and ancient scriptures as the original how-to books. For example, you could regard the Bible as a big how-to book entitled "How to Have Eternal Life After Death in Heaven". You could also think of Buddhist texts as how-to books entitled "How to Seek Happiness and Avoid Suffering".

Whether you’re a Christian or a Buddhist, the application of such good advice could, in either case, seem very difficult or even impossible. But as a Christian or a Buddhist, you would know that the most foolish thing you could do is not to try.

Gadis Bispak Imut

This Evening In Mr Wang's Life

Came home after work, turned on my computer and checked my own blog. I found this comment:
"Mr. Wang, for each person who made it to compete, let alone win, in the Olympics, there must be hundreds of thousands if not millions who aspire to that. It is wise for the average person to bear that in mind. Most champions are born and identified early in life. Goals must be realistic and commensurate with one's ability. Otherwise, many will end up with miserable lives."
The anonymous commentator went on to give various examples to show that success in life is mostly attributable to random chance and dumb luck. Of course I disagreed and in response, supplied a link to an old post of mine, back in May 2005, where I had previously written:
"... I have tremendous respect for human potential. I am usually quite easily convinced that most people can achieve many quite great things in their lives. I have even made public speeches where I tell the audience, "Hey, YOU can achieve great things."

Nevertheless, I am a realist. Although I believe that most people can achieve great things, I also believe that most people won't. The greatest reason is that THEY don't believe that they themselves can achieve great things.

And really - nobody ever wins an Olympic medal, or becomes CEO, by accident. Nobody ever writes a bestselling novel, or becomes a multimillionaire entrepreneur, or gets a PhD, by accident. Whatever your definition of a "great thing" may be, it just won't happen if you don't do it."
After that, I turned off my computer, and went to check my mail (not my email, but my hardcopy mail). Okay, let's see, bills, ads, flyers, bank statements ...... and hey, a new book. Its author had sent me a complimentary copy. Flipping through the pages, I found this passage:
The Dark Side of Pragmatism - Social Myopia

Programmed to Fail


In the year 1990, I was still studying in the Swiss Cottage Secondary School, a government school which was located in Dunearn Road ... In those bad old days, I could hardly spell "myopia". I was, however, a big fan of Rick Astley.

A group of lecturers from the polytechnics came down to our school. These wise guys sought to represent the interests of the polytechnics in Singapore. And their agenda was to come over to a government school to encourage us to forget our dreams to get into a good junior college and subsequently a university.

.... one of the lecturers said that based on statistics, fewer than 50% of students who had double digit aggregates for their O-levels would be able to make it to the local universities. The good lecturers then went on to reason that this makes polytechnics a pragmatic choice because by choosing a diploma over a degree, a student may save two years in a junior college and even begin to contribute to the economy at a much younger age.

That very same year I scored 11 points for my O-levels. It was one of the biggest heartbreaks in my life in a country which measures a person's worth by the number of distinctions he gets. Still I have never regretted fighting tooth and nail to get into National Junior College. The difference it made to my life and confidence was tremendous. Till this day, I wonder what would have happened had I taken the polytechnic lecturer's advice. Would I have even graduated from university? Would I even have been a writer and working hard to fulfil my aspirations this very day?"

I turned to the first few pages of the book, to the "About the Author" section. I found out that not only did he make it to NUS, he also obtained 1st Class Honours in Electrical Engineering.

He then went on to get a Masters of Science in Applied Finance, as well as a bunch of qualifications in the two separate fields of IT and Finance: the MCSE, MSCD, CISSP, CISA, PMP, FRM, CAIA and CMFAS qualifications, and now he's on his way to becoming a
Chartered Financial Analyst.

In case you didn't know, the CFA is probably the most internationally recognised financial qualification in the world. Definitely much more widely recognised than my own humble little law degree from NUS.

Flipped back to page 33 of the book, where the author wrote:
Pragmatic Use of Statistics

The name of Pragmatism is often invoked along with statistics and figures. Pragmatism does what works, based on the statistical analysis - it never takes into consideration the power of the human spirit and our ability to often surprise ourselves. It never considers the possibility that someone would want to excel simply because he wants to show the world that someone from a government school can trounce a member of the super-elite gifted club in the universities.

In many ways, my batch of classmates from Swiss Cottage Secondary School that year were subtly programmed to fail by the policy makers. After all, the numbers say it all - if you ever succeed it is only because you are lucky.

In such a case, Pragmatism when wrongly applied can destroy your very dreams and aspirations."
The book I've been reading is Harvesting the Fruits of Prosperity. It is the second book written by Christopher Ng Wai Chung (who happens to be a regular reader and faithful fan of my blog). And I'll be telling you more about his book in the near future. But for now, I'll just leave you this thought. Look at the anonymous comment again:
"Goals must be realistic and commensurate with one's ability. Otherwise, many will end up with miserable lives."
... and compare it to Mr Wang's words:
"Although I believe that most people can achieve great things, I also believe that most people won't. The greatest reason is that THEY don't believe that they themselves can achieve great things."
Then further consider both statements in light of Christopher's personal story. And ask yourself - which is the likelier path to a miserable life? (1) To dare to try to succeed, like Chris .... or (2) to water down your goals, blame your luck and just accept mediocrity?

Gadis Bispak Imut

Exams for Mr Wang

I received my textbooks today. My new job requires me to pass certain exams, held by the Institute of Banking & Finance and also the Singapore College of Insurance. Rather annoyingly, most of the syllabus has no direct relevance to what I actually do at work.

So these are exams that I'll have to pass for the sake of passing. If I fail, the MAS will not allow me to work in Singapore and who knows, my employer may have to transfer me to Hong Kong (heheh) .

There are, however, some positive aspects to these exams. Some parts of my required syllabus are actually meant for personal financial advisers and insurance agents. I'll have to study in detail certain things like how to conduct a financial needs analysis; how investment-linked insurance products work; the CPF Investment Scheme system; the Supplementary Retirement Scheme; how unit trusts operate etc.

None of this will be completely new to me, as I have, for many years now, been quite hands-on and interested in managing my own money. But this will be a good time to organise the higgledy-piggledy personal financial planning knowledge in my head into a more formal framework. The studying won't be relevant to my job at all, but it will be useful for my own money.

In the coming weeks, I may blog more about such money matters. One of my readers, Ling, had written: "I'd like to get advice from you on how Singaporeans can prosper under the current situation in our country". Personal financial planning would certainly have something to do with that.

I'd like to take this opportunity to introduce one of my regular readers, Christopher Ng Wai Chung. Christopher is an expert on personal financial planning and has published a book, "Growing Your Tree of Prosperity", on the topic. The book was previously reviewed on the Singapore Entrepreneurs blog.

This book is useful particularly because it is written for the Singapore audience. There are always many money-related books available in the stores, but most are by overseas authors (so they wouldn't address Singapore-specific aspects of financial planning).

Gadis Bispak Imut