•Personal Finance
The asymmetry of investment gain vs loss to break even
A 25% investment loss doesn't require a 25% gain to break even—you actually need 33%. This mathematical asymmetry means losses hurt far more than equivalent gains help.
US Personal finance
32 posts in this category
•Expats in the US
Applying for a Loan in the US as an Expat: Everything You Need to Know
Even with a 740+ credit score, I got rejected for loans due to short US credit history—until I learned to strategically consolidate my finances to give lenders the data they needed.
•Expats in the US
Follow these steps to apply Ray Dalio's recommendations to your personal finances
I'll show you how to adapt Ray Dalio's hedge fund wisdom to protect your wealth during inflation, rising rates, and market turmoil—turning macro chaos into actionable steps.
•Expats in the US
Expat Medical insurance in the US update Jun 2022
I learned the hard way that US healthcare costs 5x more than Singapore—but you can save hundreds by shopping around for meds and never paying the first bill.
•Credit card tips
What credit cards should you get next for travel purpose?
After building your credit score and securing your first cards, the real strategy begins: Chase and Amex offer the best travel rewards, but their hidden rules mean timing matters more than you think.
•Credit score for expats
From zero credit history to a score of 720+: 9 tips to build a credit score for expats living in the US
I went from zero credit history to a 720+ score in just five months as a new expat—here's my exact playbook including the bank that approved me before I even arrived.
•Credit card tips
Tips on how to prepare for relocation from Asia to the US
I relocated from Asia to the US and learned that timing your move for late November, securing credit limits before you go, and opening a US bank account early can save you from costly mistakes that catch most expats off guard.
•Personal Finance
How to apply Ray Dalio's sharings to your personal finance?
I've learned to apply Ray Dalio's big cycle insights to my personal finance by prioritizing debt reduction and defensive positioning—here's how you can prepare for the volatility ahead.