Headstart On Record

Wired earphones and film cameras: Is retro tech back, or another performative trend?

In this episode, we look at how retro analogue items such as wired earphones, film cameras, and Walkmans are making a comeback. Is this here to stay or is it just another performative trend?

Join hosts Kai Wen and Sue-Ann as they chat with Gen Z business owner and CD collector Cody Tong about the psychology behind the analogue revival and the benefits of unplugging.

Highlights (click/tap above):

0:00 Introduction 

2:32 Why physical formats are making a comeback

5:52 Tech trends, aesthetics, and nostalgia

8:33 Intention and benefits of going analogue

17:13 Digital detox and practical tips to unplug

Follow See Kai Wen on LinkedIn: https://str.sg/qfwqQ

Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X

Read Sue-Ann Tan's articles: https://str.sg/mvSa

Hosts: See Kai Wen ([email protected]) and Sue-Ann Tan ([email protected])

Produced & edited by: Amirul Karim

Executive producer: Elizabeth Law

Follow the Headstart On Record Podcast here:

Channel: https://str.sg/wB2m

Apple Podcasts: https://str.sg/wuN3

Spotify: https://str.sg/wBr9

YouTube: https://str.sg/3psqrx

Feedback to: [email protected]

Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl

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Follow more ST podcast channels:

All-in-one ST Podcasts channel: https://str.sg/wvz7

Get more updates: http://str.sg/stpodcasts

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The App Store: https://str.sg/icyB

Google Play: https://str.sg/icyX

---

Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.

---

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Invest but keep enough liquidity to help you sleep at night.

In this episode, we look into the concept of liquidity. Everyone tells us to invest, but how much is enough and how much should we leave behind for a rainy day? What about saving for BTO and other commitments? 

Hosts Kai Wen and Sue-Ann speak to guest Bryan Low, Managing Director and Head of International Wealth Management for Singapore at KGI about what liquidity really means, types of investments and how liquid they are, and if you should just keep all your money in savings accounts for fear of that rainy day.

Highlights (click/tap above):

0:00 Intro

1:08 How much cash do we really need

5:00 Liquidity vs cash 

9:30 Investments that are less liquid 

12:50 Risk profile differs according to age

15:15 But what if I need to pay for my BTO?

22:55 The intersection between your life and wealth

28:00 How much to keep in the bank

Follow See Kai Wen on LinkedIn: https://str.sg/qfwqQ

Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X

Read Sue-Ann Tan's articles: https://str.sg/mvSa

Hosts: See Kai Wen ([email protected]) and Sue-Ann Tan ([email protected])

Produced & edited by: Amirul Karim

Executive producer: Elizabeth Law

Follow the Headstart On Record Podcast here:

Channel: https://str.sg/wB2m

Apple Podcasts: https://str.sg/wuN3

Spotify: https://str.sg/wBr9

YouTube: https://str.sg/3psqrx

Feedback to: [email protected]

Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl

---

Follow more ST podcast channels:

All-in-one ST Podcasts channel: https://str.sg/wvz7

Get more updates: http://str.sg/stpodcasts

---

Get The Straits Times app, which has a dedicated podcast player section:

The App Store: https://str.sg/icyB

Google Play: https://str.sg/icyX

---

Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.

---

#headstart

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What are the repercussions of adding your boss and colleagues on social media?

In this episode, Kai Wen and Sue-Ann discuss the nuances of adding your colleagues and supervisor on social media. 

While there are benefits to sharing your personal life with them on these platforms, should we also be wary that they might use the information against us? 

Highlights (click/tap above):

0:00 Introduction and personal experiences with bosses on socials

3:00 Power dynamics of social media

6:08 Online public vs private personas

8:56 Are there any pros to adding your boss on social media?

9:58 What do people use social media for?

15:32 Navigating social media boundaries with bosses and colleagues

Follow See Kai Wen on LinkedIn: https://str.sg/qfwqQ

Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X

Read Sue-Ann Tan's articles: https://str.sg/mvSa

Hosts: See Kai Wen ([email protected]) and Sue-Ann Tan ([email protected])

Produced & edited by: Amirul Karim

Executive producer: Elizabeth Law

Follow the Headstart On Record Podcast here:

Channel: https://str.sg/wB2m

Apple Podcasts: https://str.sg/wuN3

Spotify: https://str.sg/wBr9

YouTube: https://str.sg/3psqrx

Feedback to: [email protected]

Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl

---

Follow more ST podcast channels:

All-in-one ST Podcasts channel: https://str.sg/wvz7

Get more updates: http://str.sg/stpodcasts

---

Get The Straits Times app, which has a dedicated podcast player section:

The App Store: https://str.sg/icyB

Google Play: https://str.sg/icyX

---

Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.

---

#headstart

See omnystudio.com/listener for privacy information.

Our friend circles shrink as we get older. How do we deal with it?

In this episode, therapist Cao Zhikai shares how we can deal with losing friends as we enter adulthood, and what we can do to combat that feeling of loss. She also shares about the grief of friendship breakups, which don’t often get given enough attention in a society that prioritises romantic relationships. 

Hosts Kai Wen and Sue-Ann discuss why it’s nerve-wrecking making friends as adults, yet having the payoff of a purposeful adult connection is worth it. 

Highlights (click/tap above):

0:00 Introduction

0:32 Shrinking adult friend circles? 

4:35 Why proximity matters 

8:39 The grief of losing friends

16:26 Being intentional in keeping friendships alive

24:39 Do friends serve a purpose? 

28:10 The fears of making new friends as adults

33:59 Meeting new people in a non-romantic way

Follow See Kai Wen on LinkedIn: https://str.sg/qfwqQ

Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X

Read Sue-Ann Tan's articles: https://str.sg/mvSa

Hosts: See Kai Wen ([email protected]) and Sue-Ann Tan ([email protected])

Produced & edited by: Amirul Karim

Executive producer: Elizabeth Law

Follow the Headstart On Record Podcast here:

Channel: https://str.sg/wB2m

Apple Podcasts: https://str.sg/wuN3

Spotify: https://str.sg/wBr9

YouTube: https://str.sg/3psqrx

Feedback to: [email protected]

Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl

---

Follow more ST podcast channels:

All-in-one ST Podcasts channel: https://str.sg/wvz7

Get more updates: http://str.sg/stpodcasts

---

Get The Straits Times app, which has a dedicated podcast player section:

The App Store: https://str.sg/icyB

Google Play: https://str.sg/icyX

---

Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.

---

#headstart

See omnystudio.com/listener for privacy information.

Is travelling with friends worth the risk when all hell breaks loose?

From disagreements over budget to one person wanting to “travelmax” while another wants to wake up at noon, a trip can become a horror story. 

In this episode, Kai Wen and Sue-Ann discuss whether you should travel with friends and the red flags that can spell disaster instead of a fun holiday.

Highlights (click/tap above):

0:00: Intro

2:10 Compromising on travel choices

4:50 Walking red flags on holiday

8:11 Relaxing vs travelmaxxing  

12:00 Breakups on holiday 

14:05 Picking travel companions

15:57 Pre-trip disclosures

Follow See Kai Wen on LinkedIn: https://str.sg/qfwqQ

Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X

Read Sue-Ann Tan's articles: https://str.sg/mvSa

Hosts: See Kai Wen ([email protected]) and Sue-Ann Tan ([email protected])

Produced & edited by: Amirul Karim

Executive producer: Elizabeth Law

Follow the Headstart On Record Podcast here:

Channel: https://str.sg/wB2m

Apple Podcasts: https://str.sg/wuN3

Spotify: https://str.sg/wBr9

Feedback to: [email protected]

Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl

---

Follow more ST podcast channels:

All-in-one ST Podcasts channel: https://str.sg/wvz7

Get more updates: http://str.sg/stpodcasts

Watch Headstart On Record Podcast on YouTube: https://str.sg/3psqrx

---

Get The Straits Times app, which has a dedicated podcast player section:

The App Store: https://str.sg/icyB

Google Play: https://str.sg/icyX

---

Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.

---

#headstart

See omnystudio.com/listener for privacy information.

The US market is exciting, but it can also be dangerous for young investors.

The US market has been on a tear, but it is also littered with pitfalls for unsuspecting new investors. 

Should we stock pick or just buy the S&P 500? And what about new IPOs like Space X?

In this episode, ST business correspondent Sue-Ann Tan looks at how to explore the US market without getting burnt. 

Her guests are Sheryl Choong, Head of Client Advisory Singapore at Endowus and Afdhal Rahman, OCBC executive director of wealth advisory.

Highlights (click/tap above):

3:12 Should I just invest in the S&P 500? 

7:13 What percentage of my portfolio should be in the US? 

10:30 S&P 500 vs Nasdaq vs Dow Jones  

12:00 How to start investing in the US 

15:45 Getting into popular new US IPOs  

18:30 Lump sum investing vs regular investing 

23:20 Dealing with exchange rates 

Read Sue-Ann Tan's articles: https://str.sg/mvSa

Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X

Hosts: Sue-Ann Tan ([email protected])

Produced & edited by: Amirul Karim and Natasha Liew

Executive producer: Elizabeth Law

Follow Headstart On Record Podcast channel here:

Channel: https://str.sg/wB2m

Apple Podcasts: https://str.sg/wuN3

Spotify: https://str.sg/wBr9

Feedback to: [email protected]

Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl

---

Follow more ST podcast channels:

All-in-one ST Podcasts channel: https://str.sg/wvz7

Get more updates: http://str.sg/stpodcasts

Watch Headstart On Record Podcast on YouTube: https://str.sg/3psqrx

---

Get The Straits Times app, which has a dedicated podcast player section:

The App Store: https://str.sg/icyB

Google Play: https://str.sg/icyX

---

Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.

---

#headstart

See omnystudio.com/listener for privacy information.

Would you reveal your salary to your colleagues? What to do if you are underpaid?

In this episode, ST’s own manpower correspondent Sharon Salim talks about navigating conversations around salary transparency and how being too transparent can affect workplace dynamics.

Hosts Kai Wen and Sue-Ann discuss transparency being crucial to benchmarking against peers in the same industry, and whether firms discourage employees from salary transparency to maintain an advantage in salary negotiations.

Highlights (click/tap above):

0:00: Intro

3:55 Utilising salary guides & public sector disparity

7:58 The impact on workplace dynamics

11:52 Downsides of transparency

15:34 Job interviews to check “market rate”

19:59 Is sharing your salary against rules

23:29 Negotiating a pay raise

27:42 Track your monthly career milestones

Follow See Kai Wen on LinkedIn: https://str.sg/qfwqQ

Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X

Read Sue-Ann Tan's articles: https://str.sg/mvSa

Hosts: See Kai Wen ([email protected]) and Sue-Ann Tan ([email protected])

Produced & edited by: Eden Soh, Fa’izah Sani and Amirul Karim

Executive producer: Elizabeth Law

Follow the Headstart On Record Podcast here:

Channel: https://str.sg/wB2m

Apple Podcasts: https://str.sg/wuN3

Spotify: https://str.sg/wBr9

Feedback to: [email protected]

Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl

---

Follow more ST podcast channels:

All-in-one ST Podcasts channel: https://str.sg/wvz7

Get more updates: http://str.sg/stpodcasts

Watch Headstart On Record Podcast on YouTube: https://str.sg/3psqrx

---

Get The Straits Times app, which has a dedicated podcast player section:

The App Store: https://str.sg/icyB

Google Play: https://str.sg/icyX

---

Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.

---

#headstart

See omnystudio.com/listener for privacy information.

Talking to friends about money can be sensitive, here’s how to navigate it. 

Synopsis: Every first and third Monday of the month, get a head start in your personal finance, career and life with The Straits Times.

Friendships may be priceless, but money talk often crops up among friends - who owes who money, choosing dinner locations, trying to budget for travel together. 

But how can we talk openly about money without breaking friendships?

In this episode, ST business correspondent Sue-Ann Tan and See Kai Wen talk about how to navigate this issue. 

Their guest is Vivienne Ong from MoneyOwl. 

Highlights (click/tap above):

1:49 How will it affect the friend group if everyone knows each other’s pay? 

7:43 People pleasing vs guarding your own finances 

10:56 Money talk when travelling with friends 

18:00 Can owing money break a friendship 

23:29 Taking emotions out of the equation  

24:50 Expensive weddings and hongbao 

29:26 How to approach the money convo

Read Sue-Ann Tan's articles: https://str.sg/mvSa

Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X

Follow See Kai Wen on LinkedIn: https://str.sg/qfwqQ

Hosts: Sue-Ann Tan ([email protected]) and See Kai Wen ([email protected])

Produced & edited by: Amirul Karim and Natasha Liew

Executive producers: Elizabeth Law

Follow Headstart On Record Podcast channel here:

Channel: https://str.sg/wB2m

Apple Podcasts: https://str.sg/wuN3

Spotify: https://str.sg/wBr9

Feedback to: [email protected]

Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl

---

Follow more ST podcast channels:

All-in-one ST Podcasts channel: https://str.sg/wvz7

Get more updates: http://str.sg/stpodcasts

Watch Headstart On Record Podcast on YouTube: https://str.sg/3psqrx

---

Get The Straits Times app, which has a dedicated podcast player section:

The App Store: https://str.sg/icyB

Google Play: https://str.sg/icyX

---

Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.

---

#headstart

See omnystudio.com/listener for privacy information.

Job hopping: Career suicide or a way to learn what works for you?

Synopsis: Every first and third Monday of the month, get a head start in your personal finance, career and life with The Straits Times.

In this episode, Annabel Lim, Business & Reputation Director at communications firm We. Communications shares how she built her career by cycling through 7 full-time jobs.

She talks about how each change gave her a different perspective or skill that cumulated in her current role, and why “job-hopping” isn't necessarily a red flag in CVs. 

Hosts Kai Wen and Sue-Ann, who have worked in two jobs and one job respectively, also discussed how long a person should hold their job before making a switch and how to tell when a role no longer works for you.

Highlights (click/tap above):

0:00 Job hopping: Is it a bad thing?

6:56 Is there a minimum time one has to stay at a job?

9:45 Rage quitting

13:28 Is company loyalty worth anything?

20:40 Push factors at work

29:52 The urge to quit: just a phase or deeper problem?

34:31 Advice for those thinking of changing careers

Follow See Kai Wen on LinkedIn: https://str.sg/qfwqQ

Read Sue-Ann Tan's articles: https://str.sg/mvSa

Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X

Hosts: See Kai Wen ([email protected]) and Sue-Ann Tan ([email protected])

Produced & edited by: Amirul Karim and Natasha Liew

Executive producers: Elizabeth Law

Follow Headstart On Record Podcast channel here:

Channel: https://str.sg/wB2m

Apple Podcasts: https://str.sg/wuN3

Spotify: https://str.sg/wBr9

Feedback to: [email protected]

Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl

---

Follow more ST podcast channels:

All-in-one ST Podcasts channel: https://str.sg/wvz7

Get more updates: http://str.sg/stpodcasts

Watch Headstart On Record Podcast on YouTube: https://str.sg/3psqrx

---

Get The Straits Times app, which has a dedicated podcast player section:

The App Store: https://str.sg/icyB

Google Play: https://str.sg/icyX

---

Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.

---

#headstart

See omnystudio.com/listener for privacy information.

Does buy low, sell high work in today’s volatile market?

Synopsis: Every first and third Monday of the month, get a head start in your personal finance, career and life with The Straits Times.

Everybody wants to be a Warren Buffett - to buy when the market dips and sell when it soars again. 

But is this a good investment strategy for everyone?

In this episode, ST business correspondent Sue-Ann Tan looks at whether to go all in when the market dips. 

Her guests are Arpit Agal from Syfe and Chua Inn Chong from PhillipCapital. 

Highlights (click/tap above):

1:20 Why did the market dip in June?  

2:49 To be or not to be Warren Buffett? 

4:33 Can you actually time the market? 

13:55 ETFs vs stocks 

16:00 Are market swings bigger now than before? 

18:00 The gurus’ investing strategies 

21:25 SpaceX and hype investing

Read Sue-Ann Tan's articles: https://str.sg/mvSa

Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X

Host: Sue-Ann Tan ([email protected])

Produced & edited by: Amirul Karim

Executive producers: Elizabeth Law and Joanna Seow

Follow Headstart On Record Podcast channel here:

Channel: https://str.sg/wB2m

Apple Podcasts: https://str.sg/wuN3

Spotify: https://str.sg/wBr9

Feedback to: [email protected]

Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl

---

Follow more ST podcast channels:

All-in-one ST Podcasts channel: https://str.sg/wvz7

Get more updates: http://str.sg/stpodcasts

Watch Headstart On Record Podcast on YouTube: https://str.sg/3psqrx

---

Get The Straits Times app, which has a dedicated podcast player section:

The App Store: https://str.sg/icyB

Google Play: https://str.sg/icyX

---

Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.

---

#headstart

See omnystudio.com/listener for privacy information.