Headstart On Record

Gold prices have soared in 2025 but here are things to consider before buying your first gold bar. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Gold has never looked shinier, especially as a safe haven in a volatile world.  It reached highs when things were the most volatile, with Trump’s tariffs and then the federal government shutdown.  But should you buy gold, how do you go about it and what are the considerations to be taken first?  In this episode, ST business correspondent Sue-Ann Tan looks at how to make good use of the current gold rally.  Her guests are OCBC Managing Director of Investment Strategy Vasu Menon and ST business journalist Timothy Goh.  Highlights (click/tap above): 1:34 Why have gold prices been soaring?  6:50 What does gold as a “safe haven” mean? 10:02 Is this the right time to buy gold? 16:00 When do gold prices come down? 19:56 Physical gold versus paper gold 24:13 Tips for first-time gold investors  Read Sue-Ann Tan's articles: https://str.sg/mvSa Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X Host: Sue-Ann Tan (suetan@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & 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: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl SPH Awedio app: https://www.awedio.sg --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts The Usual Place Podcast YouTube: https://str.sg/4Vwsa --- 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. --- #headstartSee omnystudio.com/listener for privacy information.

More holidays a year sounds great but ensure they stay within budget by using these hacks. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Instead of saving for a home, young people are now saving for travel and leisure. Over half of young workers said saving for trips is among their top financial goals, a survey showed.  So travel is clearly a top of mind issue for Singaporeans. But how do we budget for three trips a year? In this episode, ST business correspondent Sue-Ann Tan looks at how to achieve your vacation dreams.  Her guests are Revolut’s Head of Strategy and Operations Ashley Thomas and ST travel journalist Sarah Stanley. Highlights (click/tap above): 2:23 How early do you plan for 2026’s trips? 4:00 Are more people doing three holidays a year?   8:00 How to set budgets for a trip 16:22 Using AI to plan holidays 18:00 Where are the upcoming popular spots? 21:00 Travel deals and ways to save money  Read Sue-Ann Tan's articles: https://str.sg/mvSa Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X Host: Sue-Ann Tan (suetan@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & 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: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl SPH Awedio app: https://www.awedio.sg --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts The Usual Place Podcast YouTube: https://str.sg/4Vwsa --- 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. --- #headstartSee omnystudio.com/listener for privacy information.

Find out how to choose the right employers, training and career paths to ride the wave. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. We are in the thick of it. Artificial intelligence (AI) has already taken root in our personal and professional lives, and is set to reshape society even more. How best to set ourselves up for success for the years to come? What is the support at hand to help us make better career choices? In this episode, host and ST correspondent Tay Hong Yi chats with Mr Dinesh Vasu Dash, Minister of State for Manpower, as well as for Culture, Community and Youth. MOS Dinesh shares more about who the hotly-scrutinised and recently launched Graduate Industry Traineeships (Grit) are meant for, and why it has taken the form it has. Joining the discussion is Ms Elsie Ng, director for talent solutions in Singapore for professional networking platform LinkedIn. She shares how both employers and workers are reinventing themselves for AI. This is a jam-packed episode that cannot be missed. Highlights (click/tap above): 5:43 What prevents people from taking the first step in upskilling? 9:17 How have skill requirements changed in recent times? 13:40 Huge demand in 'people' skills; why career research is important 17:36 What happens to those who find their efforts aren’t enough to keep up? 24:47 Grit is meant for those who can’t directly enter growth sectors 31:10 Nurturing ready trainees for when the role is eventually created Take the Career Health quiz: https://careerhealth.sg/quiz/ Read Tay Hong Yi's articles: https://str.sg/w6cz Follow Tay Hong Yi on LinkedIn: https://str.sg/AAxy Host: Tay Hong Yi (hytay@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & 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: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl SPH Awedio app: https://www.awedio.sg --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts The Usual Place Podcast YouTube: https://str.sg/4Vwsa --- 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 --- #headstartSee omnystudio.com/listener for privacy information.

Platform work can expand employment options and opportunities, but only with careful regulation. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Digital platform work has become a fixture of Singapore society, with a contingent of almost 70,000 plying their trade, mostly in ride-hailing or food delivery. In a special episode of Headstart On Record, co-host Tay Hong Yi moderates a fireside chat with four panellists across the platform work ecosystem at the Global Dialogue on Digital Platform Work on Sept 29. Hear their views on the challenges that come with this new format of work, the prospects that come with expanding it to a wider range of jobs, and what needs to be done to make it meaningful for young talent. The panellists were: Ms Yeo Wan Ling, assistant secretary-general at the National Trades Union Congress Mr Hao Shuo, chief executive officer, Singapore National Employers Federation Mr Lim Yew Heng, group managing director for public affairs, transformation and post-merger integration at Grab Mr Elvin Tan, Asia-Pacific head of operations at human resources services firm Persol Highlights (click/tap above): 4:01 How NTUC develops support for platform workers despite limited data 8:38 Is it a good idea to expand platform work to other jobs? 9:56 Should we be worried about platform work eroding Singapore’s skill base? 12:04 Are employers ready to recognise platform work as work experience? 18:26 The toughest balancing acts Grab makes Read what went down during the dialogue: https://str.sg/gTPf  Read Tay Hong Yi's articles: https://str.sg/w6cz Follow Tay Hong Yi on LinkedIn: https://str.sg/AAxy Host: Tay Hong Yi (hytay@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & 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: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl SPH Awedio app: https://www.awedio.sg --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts The Usual Place Podcast YouTube: https://str.sg/4Vwsa --- 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. --- #headstartSee omnystudio.com/listener for privacy information.

Investing your CPF might be exciting, but ensure you have enough too for housing and retirement.  Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Retirement seems like ages away for a young person, and the CPF that accumulates can feel like money just sitting in a fund.  But what can we use CPF for? And should we all invest our CPF?   In this episode, ST business correspondent Sue-Ann Tan looks at how to use your CPF, whether for investment or housing needs.  Her guests are Angeline Teo from CPF Board and Gen Z undergrad Quang Long. Highlights (click/tap above): 2:58 What are the different CPF accounts? 9:54 How do CPF savings grow?   11:50 Using CPF for housing 14:55 What CPF cannot be used for  16:28 How to invest your CPF 20:05 Other considerations when investing your CPF   Read Sue-Ann Tan's articles: https://str.sg/mvSa Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X Host: Sue-Ann Tan (suetan@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & 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: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl SPH Awedio app: https://www.awedio.sg --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts The Usual Place Podcast YouTube: https://str.sg/4Vwsa --- 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. --- #headstartSee omnystudio.com/listener for privacy information.

Find out how to discern the hallmarks of employers who do well. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Host and ST correspondent Tay Hong Yi chats with Mr Richard Cooper, business leader for benefits for Mercer Marsh Benefits in Singapore. Mr Cooper advises organisations on how to design healthcare benefits, insurance, flexi-benefits and related processes. The ability to take leave from work for medical and personal reasons is a cornerstone of modern work. However, it might not always be clear what a good benefits policy looks like, and when an employer is actually stingy or overbearing with what they require staff to do. Do you have such experiences? Highlights (click/tap above): 3:00 How job requirements shape benefits policies 4:51 What are best practices employers adopt? 9:58 What does overreach look like? 13:42 Are employees obliged to plan their leave periods around work? 16:47 Should we expect enough employers to keep reserve capacity? 23:22 Why can Nordic countries afford extensive leave? Read Tay Hong Yi's articles: https://str.sg/w6cz Follow Tay Hong Yi on LinkedIn: https://str.sg/AAxy Host: Tay Hong Yi (hytay@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & 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: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl SPH Awedio app: https://www.awedio.sg --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts The Usual Place Podcast YouTube: https://str.sg/4Vwsa --- 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. --- #headstartSee omnystudio.com/listener for privacy information.

Investing should not be about timing the market, but growing money over the long term. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Day trading is exciting - all the watching of stock movements and trying to buy low, sell high.  But experts often say, hold for the long term, and use the benefit of compounding.  What does that mean? How long exactly is the long haul and what does holding for the long term mean?  In this episode, ST business correspondent Sue-Ann Tan looks at investing for the long-term future, rather than the here and now.  Her guests are Gidon Jerome Kessel, group head for Deposit and Wealth Management at UOB and Leong Ji Keet, a financial blogger at SG Money Guide. Highlights (click/tap above): 3:00: What does investing for the long term mean? 6:23 Which assets should I buy for long-term investing? 8:00 How long is a long-term investment? 14:45 Long-term strategies vs day trading 15:49 Are high-yield bank accounts investments? 19:00 Investing for retirement Read Sue-Ann Tan's articles: https://str.sg/mvSa Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X Host: Sue-Ann Tan (suetan@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & 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: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl SPH Awedio app: https://www.awedio.sg --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts The Usual Place Podcast YouTube: https://str.sg/4Vwsa --- 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. --- #headstartSee omnystudio.com/listener for privacy information.

Why this sector also has back-of-house roles that call for talents from all walks of life. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Find out why job seekers should not just think of front-facing guest roles in this sector, as host and ST correspondent Tay Hong Yi chats with Ms Adeline Phua, managing lyf partner and vice-president for business development at Ascott, the lodging business of CapitaLand Investment. You may have come across lyf (pronounced life) properties, that are creatively designed. It is known for its appeal to young travellers and inventive activities for guests. Ms Phua argues why hospitality is something Singaporeans should look deeper into, beyond just traditional or stereotypical job roles associated with the sector. Do you have to be an extrovert to work in hospitality? No. Not everyone has to be interacting with guests on the frontline, with a surfeit of meaningful roles behind the scenes in areas including facilities management, designing and sustainability. Highlights (click/tap above): 3:23 Kombucha-brewing classes, world record attempts and other memorable guest activities  6:10 Hospitality roles in SG: Is there room to improvise?  13:23 The range of roles and skills needed at a company like lyf  16:54 Wanted: Ex-kindergarten teachers, ex-zoo professionals, illustrators, content creators? 20:49 How’s the sector holding up in this current economy? Read Tay Hong Yi's articles: https://str.sg/w6cz Follow Tay Hong Yi on LinkedIn: https://str.sg/AAxy Host: Tay Hong Yi (hytay@sph.com.sg) Produced & edited by: Amirul Karim & Natasha Liew Executive producers: Ernest Luis, Lynda Hong & 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: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl SPH Awedio app: https://www.awedio.sg --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts The Usual Place Podcast YouTube: https://str.sg/4Vwsa --- 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. --- #headstartSee omnystudio.com/listener for privacy information.

Working a full-time job but having a side-hustle is gaining traction among young people or students. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Side hustles are becoming more common, with people opening weekend cafes, selling coffee or doing other jobs besides their full-time work.  But are side hustles for everyone? Will it become necessary as people try to get extra income and find fulfilment outside their day jobs? And what do you need to look out for before starting a side hustle?  In this episode, ST business correspondent Sue-Ann Tan looks at the art of the side hustle and how to start one.  Her guests are Tris Su, owner of weekend matcha business Tofu Tofu, and Juliet Tan, founder of human resources consultancy firm Emplifi.  Highlights (click/tap above): 3:14: How does a home-based matcha maker run her side hustle?  4:17 What counts as a side hustle?   5:55 Juggling the side hustle with her full-time job 7:53 What to do before starting a side hustle  14:15 The trend of side hustling and why start one?  24:00 Can I start a side hustle now? Read Sue-Ann Tan's articles: https://str.sg/mvSa Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X Host: Sue-Ann Tan (suetan@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & 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: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl SPH Awedio app: https://www.awedio.sg --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts The Usual Place Podcast YouTube: https://str.sg/4Vwsa --- 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. --- #headstartSee omnystudio.com/listener for privacy information.

We put off work because work, for some reason, puts us off. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Procrastination: The frustratingly human tendency to postpone work we can and should get started on earlier. It may seem tempting to berate ourselves for being lazy, unmotivated or disorganised. Instead, procrastination is actually our brains trying to shield us from uncomfortable feelings, putting a hidden toll on ourselves. In this episode, host and ST correspondent Tay Hong Yi hosts an expert on the psychology of people who work together in groups. She shares with us what research tells us about procrastination and other quirks of our mind that permeate our work and daily life. She also goes into the “dark things” she relishes researching, such as why people are cynical at work, and the fallout from narcissist leaders. The guest is: Dr Ruchi Sinha, organisational psychologist and associate professor (practice) at Nanyang Business School, Nanyang Technological University  Highlights (click/tap above): 2:00 What is procrastination and what type of procrastinator are you? 11:06 What are some strategies to help you manage procrastination? 14:07 Procrastination is about misplaced priorities too 16:22 Is it any easier for Dr Sinha to beat procrastination, as an expert? 17:05 The “pretty dark stuff” Dr Sinha studies, such as narcissism at workplaces 23:04 How does Dr Sinha translate research in her field to real life? Read more about procrastination here: https://str.sg/C9QS Read Tay Hong Yi's articles: https://str.sg/w6cz Follow Tay Hong Yi on LinkedIn: https://str.sg/AAxy Host: Tay Hong Yi (hytay@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & 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: podcast@sph.com.sg SPH Awedio app: https://www.awedio.sg 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 The Usual Place Podcast YouTube: https://str.sg/4Vwsa --- 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 --- #headstartSee omnystudio.com/listener for privacy information.

Hospitalisation and critical illness insurance are vital, but beware of being upsold or paying too much for premiums. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. What do young people need to know when buying their first insurance package? Insurance is an essential part of “adulting”, but it can be daunting when choosing from a wide range of products on a tight budget.  Some can also find that insurance agents pressure them into buying products that they are not certain they need.  In this episode, ST business correspondent Sue-Ann Tan looks at what you need to know before buying insurance.  Her guests are NTU undergraduate Megan Wee and DBS bank Singapore head of bancassurance Loh Wanyun.  1:40: What are the different types of insurance? 9:00 Corporate vs personal insurance 11:00 How much should I spend on insurance?  13:25 How to deal with pushy agents 15:50 How much insurance is enough to cover me?  18:05 What are investment-linked policies?   21:00 Where should I buy insurance from?   Read Sue-Ann Tan's articles: https://str.sg/mvSa Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X Host: Sue-Ann Tan (suetan@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & 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: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl SPH Awedio app: https://www.awedio.sg --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts The Usual Place Podcast YouTube: https://str.sg/4Vwsa --- 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 --- #headstartSee omnystudio.com/listener for privacy information.

Find out how developing crucial career skills can help you triumph over times of turmoil. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Developing a vibrant, resilient career in this age will require consistent effort to make deeper and more frequent changes.  Mastering what we do in the here and now, does not suffice. Instead, we need to cast an eye towards what our jobs may become and even consider entirely new ones. In the third ST Podcast Live session recorded on June 3 at swish nightspot Rasa at Republic Plaza, we touch on what it takes to thrive at each stage of our careers, against a backdrop of economic upheaval. This special episode of Headstart On Record is in partnership with Workforce Singapore, in support of Career Health, a SkillsFuture initiative. We speak to a young engineer - Mr Noel Png - who did not let poor school grades deter him from an engineering career that took him to Britain and back home, where he also contributed to putting a satellite in space. He is now a telecommunications system engineer at ST Engineering. Oh, he's also met Elon Musk. He shares about his unorthodox approach to networking, how he found mentors who helped him find his direction in life and his thought process to take uncertainty in his stride. Joining him with host and ST correspondent Tay Hong Yi is veteran senior career coach Parameswari Seenivasan. A trained counsellor with over 15 years’ of experience from Workforce Singapore, she has helped over 2,000 clients in her work. She helps us draw principles and good practices from Mr Png's career experiences. The ongoing series of ST Podcast Live sessions are being held to celebrate 180 years of The Straits Times in 2025, with three more events planned for the rest of the year. Highlights (click/tap above): 3:13 How a chance encounter led Noel to work in the space industry 5:41 Taking stock of your strengths and values 10:37 How career coaching can help you gain clarity on next moves 16:43 The broader range of options you can explore 18:58 Making sure each transition builds on the next 24:38 Parames’ and Noel’s proudest moments in their careers  Find out more from WSG about Career Health SG: https://str.sg/H8Ko More about WSG: https://www.wsg.gov.sg/ Read how the live podcast went down: https://str.sg/uJ4C Read Tay Hong Yi's articles: https://str.sg/w6cz Follow Tay Hong Yi on LinkedIn: https://str.sg/AAxy Host: Tay Hong Yi (hytay@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & 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: podcast@sph.com.sg 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 The Usual Place Podcast YouTube: https://str.sg/4Vwsa --- 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 --- #headstartSee omnystudio.com/listener for privacy information.

Gaining exposure, cultural conflictions and intergenerational discussions are all part of the road to inheriting a family business. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Family businesses have been in the spotlight, after the CDL saga that saw father and son in a tussle for control over one of Singapore’s largest companies.  But whether it is about inheriting family businesses or family wealth, the process is not a straightforward one.  Banks and financial organisations prepare young people to take over family wealth, through programmes and even boot camps.  So how does wealth planning work, and how do youths take over their family businesses?  In this episode, ST business correspondent Sue-Ann Tan looks at what wealthy kids do to prepare to inherit wealth and companies.  Her guests are Darren Hui, who will one day lead his family’s property management business, and former national athlete Kendrick Lee who co-founded Raffles Family Office.   Highlights (click/tap above):  5:35 What is family legacy planning and governance? 7:30 The challenges the next generation faces 9:00 Generational differences between father and son 10:49 What difficulties has the family office seen in dealing with multiple generations? 18:02 When did you first realise you were going to inherit the business? 21:00 Will Kendrick let his children take over the business?  22:36 Going from national athlete to family office  Read Sue-Ann Tan's articles: https://str.sg/mvSa Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X Host: Sue-Ann Tan (suetan@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & 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: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl --- Follow more podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- 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 --- #headstartSee omnystudio.com/listener for privacy information.

An entrepreneur shares his hard-earned lessons on working with one’s hands. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. For much of human history, manual work and the skilled trades have been the default way to earn your keep. Even in a small, advanced economy such as Singapore, there remains a need for this work to be done, that requires a mix of hard graft and mindfulness. To piece together how to be successful in the trades, ST correspondent Tay Hong Yi speaks with his guest, an entrepreneur who slogged to build businesses across landscaping, hospitality and outdoor education. His guest is: Mr Clarence Chua, co-founder of The Sundowner Nature Experience Centre Highlights (click/tap above): 1:53 Did Clarence always know he would be working a skilled trade? 10:07 What is the most satisfying part of Clarence’s job? 11:18 Tips for those hoping to pursue a skilled trade 21:06 Dealing with parental disapproval Read about Mr Chua’s work here: https://str.sg/iiCi Read Tay Hong Yi's articles: https://str.sg/w6cz Follow Tay Hong Yi on LinkedIn: https://str.sg/AAxy Host: Tay Hong Yi (hytay@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & 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: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl --- Follow more podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- 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 --- #headstartSee omnystudio.com/listener for privacy information.

Three students in their early 20s tell us how they're approaching this. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Retirement used to be a word for middle-aged workers, perhaps as they started to think of how to lay up enough savings to enjoy their twilight years.  But with movements like Fire - also known as financial independence, retire early - younger workers are starting to talk about retirement and prepare for the time they can kick their feet back and stop working.  And for university students in their early 20s, preparing for retirement is already underway, to hit their goals of retiring early and to fund their ideal retirement lifestyles.   So how early should you think of retirement and how can you plan for it? In this episode, ST business correspondent Sue-Ann Tan looks at retirement planning even when you're in your 20s and if Fire can really work.  Her guests are three NTU students in their early 20s - Tina Aw, Charmaine Chia and Aurene Graciella. Highlights (click/tap above): 1:51 How old were you when you first thought about retirement? 5:33 Hustling from the age of 12 to achieve Fire 8:20 The mental and social costs of Fire 9:15 What is your ideal retirement age? 11:58 How are you preparing for retirement? 24:56 How much will you need per month in retirement? 27:44 Will you consider micro-retirement?  Listen to "Should we play with FIRE?": https://str.sg/5mHc Read Sue-Ann Tan's articles: https://str.sg/mvSa Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X Host: Sue-Ann Tan (suetan@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & 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: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl --- Follow more podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 ST Podcasts website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- 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 --- #headstartSee omnystudio.com/listener for privacy information.

Recent high-profile office return mandates belie a broader availability of flexi-work options from more firms. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Those of us who are humming along at a comfortable rhythm with hybrid work might have watched with worry recent developments of major firms insisting on five days in office a week by default. After all, it seemed like an equilibrium was reached in the years following the Covid-19 pandemic of working remotely for at least part of the week. Moreover, this comes after Singapore has issued landmark guidelines that make putting in place a process to fairly evaluate flexi-work arrangement requests compulsory. To piece together what to make of this mixed outlook, ST correspondent Tay Hong Yi speaks with his guest, a two-decade corporate veteran who now works with industry players to put in place progressive workplace practices. His guest is: Mr Aslam Sardar, chief executive of the Institute for Human Resource Professionals Highlights (click/tap above): 2:20 What is driving some employers to get workers back in the office so often? 5:11 Flexi-work arrangements are still more prevalent than before 7:57 Is there a chance of a “domino effect” of firms issuing office return mandates, one after the other? 15:31 How are employers here weighing up their options for office returns? 21:07 What to do if your employer asks you to return to the office more often Read about recent moves to make flexi-work more pervasive here: https://str.sg/tgoM Read Tay Hong Yi's articles: https://str.sg/w6cz Follow Tay Hong Yi on LinkedIn: https://str.sg/AAxy Host: Tay Hong Yi (hytay@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & 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: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl --- Follow more podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- 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 --- #headstartSee omnystudio.com/listener for privacy information.

A master's can help you get ahead in your career, but consider the expenses involved carefully too. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. It’s a question that comes up in our 20s and 30s - if we need additional educational qualifications to give us a leg up in our careers.  But how do you decide whether to pursue a master’s degree? How do you go about choosing courses, and most crucially, how do you finance such an endeavour?  In this episode, ST business correspondent Sue-Ann Tan looks at whether you should do a master’s and what to consider before plunging into it.  Her guests are Charmaine Yee who studied an MSc in wealth management and now works in private equity, and expert Kenneth Tan from OCBC who is Managing Director of consumer unsecured lending.  Highlights (click/tap above): 3:46 How her master’s got her into private equity 5:06 Do you need an MBA to work in finance?  10:11 How much does a master’s cost? 13:54 How do I fund a master’s?  18:36 Planning now to do a master’s five years later 20:54 Transitioning from work to school again 25:22 How about working and studying part time? Read Sue-Ann Tan's articles: https://str.sg/mvSa Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X Host: Sue-Ann Tan (suetan@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & 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: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl --- Follow more podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- 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 --- #headstartSee omnystudio.com/listener for privacy information.

Major shifts in the job market and employer practices make for more options but tougher decisions too. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Singapore’s tertiary education system has been shaken up in recent years, with polytechnics and universities among those seeing major changes. These include apprenticeships, structured talent programmes, industry attachments, longer-duration internships and even global exposure opportunities that raise the skills bar and prepare students for skilled roles from the outset. On one hand, some employers, especially in technical fields, seek for diploma graduates who enter the workforce earlier than others in their cohort and gain skills on the job. On the other, there is a push to grow the proportion of the cohort enrolled in university for further studies. ST correspondent Tay Hong Yi speaks with his guest, a seasoned education expert on how to make sense of these different forces in charting out your own education and career path. His guest is: Associate Professor Jason Tan, who studies education policy, curriculum and leadership at the National Institute of Education Highlights (click/tap above): 2:10 Where are these shifts in the tertiary education system stemming from? 5:49 Does this mean there are more pathways to meet industry needs from an earlier age? 10:35 What are the challenges that come with these changes? 16:34 Pay structures that look strictly at paper qualifications may not reflect differences in skills 18:08 Keeping an open mind on the best choice Read about one such recent change: https://str.sg/ioJA Read Tay Hong Yi's articles: https://str.sg/w6cz Follow Tay Hong Yi on LinkedIn: https://str.sg/AAxy Host: Tay Hong Yi (hytay@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & 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: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl --- Follow more podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- 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 --- #headstartSee omnystudio.com/listener for privacy information.

CDC vouchers are welcome, but young people also want more housing, jobs and childcare help. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Budget 2025 has come and gone - the time we Singaporeans look for some free money and vouchers.  This year, a big theme was around helping to alleviate the cost of living especially with inflation in the last few years.  But exactly how much did the Budget have for us young people in our 20s and 30s,  and what are the remaining problems that are untackled?  In this episode, ST business correspondent Sue-Ann Tan looks at what the Budget gave and what young people might want from it in the future.  Her guests are young financial literacy expert from DBS Shawn Lee, and investment strategy managing director Vasu Menon from OCBC.  Highlights (click/tap above): 1:39 What were the top three Budget goodies for us? 6:15 Help for young parents and families 8:58 Feeling the cost of living pinch 12:21 No housing measures this Budget? 18:31 Help for young people looking for jobs? 25:10 What would you tell PM Wong given the chance?  27:44 Giving your Budget 2026 wishlist Read Sue-Ann Tan's articles: https://str.sg/mvSa Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X Host: Sue-Ann Tan (suetan@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & 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: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl --- Follow more podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- 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 --- #headstartSee omnystudio.com/listener for privacy information.

An expert shows how fresh entrants to the workforce can gain the prior experience employers increasingly seek. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. It seems paradoxical for prospective employers to seek prior experience even for entry-level roles. This reflects the rising bar expected of fresh entrants to the job market. However, employers are becoming more open-minded towards what constitutes relevant prior experience. ST correspondent Tay Hong Yi speaks with his guest, a seasoned career expert who has worked with tertiary students from different backgrounds, on the help at hand. His guest is: Ms Sarah Neo, head of the career development office at the Singapore University of Social Sciences. Highlights (click/tap above): 1:55 Why are employers increasingly seeking prior experience even for entry-level roles? 4:13 The forms such experience can take, from internships to hackathons 9:05 Is it realistic to expect ever more prior experience from students before graduation? 11:58 How can students who lack experience still land that first job? 14:15 What does Sarah recommend those who remain undecided about their future careers do? Read Tay Hong Yi's articles: https://str.sg/w6cz Follow Tay Hong Yi on LinkedIn: https://str.sg/AAxy Host: Tay Hong Yi (hytay@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & 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: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl --- Follow more podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- 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 --- #headstartSee omnystudio.com/listener for privacy information.