Business and Money Tips

Beyond Compliance: How Companies Should Select an Independent Director By Andy Ng MBA, B.Acc (Hons) Financial Governance & Strategy Helping boards navigate financial oversight, governance, AI-era risk, ethics, and human capital strategy. Every board appointment is a decision that shapes the future of an organisation. When companies appoint an Independent Director, the question should never be, “Who is available?” Nor should it be based solely on reputation, titles, or familiarity. The more important question is: “Who will protect the long-term interests of the company, its shareholders, and its stakeholders?” As corporate governance continues to evolve, Independent Directors are no longer appointed merely to satisfy regulatory requirements. They are expected to provide independent judgement, challenge assumptions respectfully, oversee risk, strengthen governance, and help management make better long-term decisions. Selecting the right Independent Director is theref...

报喜不报忧: 《给阿嬷的情书》与侨批教会我们的爱的智慧 《给阿嬷的情书》里最令人感动的，不只是侨批。更是侨批背后的一种人生智慧。 那个年代，远赴南洋谋生的华人，都有一个共同的默契： **报喜，不报忧。** 为什么？不是因为他们喜欢说谎。 而是因为他们深爱着远方的家人。 他们不会写自己挨饿。 不会写自己受苦。 不会写自己遇到危险。 他们写的总是： **“我很好。”** **“不用担心我。”** 有些侨批甚至请人代笔，把一封普通的家书，写成一首优美的诗， 把思念、希望和祝福寄回故乡。 他们希望寄回家的，不是恐惧。而是希望。 这不是欺骗。这是**爱的智慧**。 他们明白， **不是每一个真相，都必须马上说出来。** 有时候， 爱，就是 把痛苦留给自己， 把平安留给家人 。 有时候， 智慧，不只是知道真相。 更是知道**什么时候说真相。** 时间， 终究会告诉我们答案。 有些真相，多年以后才揭晓。 有些真相，也许永远不会说出口。 但背后的出发点始终只有一个： **保护。** **鼓励。** **爱。** 这也是《爱的智慧》（LQ）最深刻的一课。 **关爱（Care），是宁愿自己承担，也希望家人安心。** **勇气（Courage），是默默承受，不求别人理解。** **连接（Connection），是即使相隔千里，也让彼此的心始终连在一起。** 《给阿嬷的情书》告诉我们， 爱，不一定轰轰烈烈。 有时候，爱，就在一句： **“我很好，不用担心。”** 也许，这就是侨批留给今天最珍贵的礼物。 不是一封信。而是一颗始终为别人着想的心。

Only Good News, Never Bad News What Dear You and Qiaopi Teach Us About Love Intelligence One of the most touching lessons in Dear You comes from the Qiaopi (侨批) —the letters sent by overseas Chinese migrants back to their families in China. These letters followed an unspoken rule: Report the good news. Hide the bad news. Why? Not because they wanted to deceive. But because they wanted to protect the people they loved. They did not write about hunger. They did not write about loneliness. They did not write about hardship or danger. They did not report on death, illness, or imprisonment Instead, they wrote, "I'm doing well." "Don't worry about me." Many letters were even rewritten by professional scribes, transforming simple or crude messages into beautiful poems and elegant prose. The words became more beautiful,  because the writers wanted to send hope instead of fear. This was not dishonesty. It was Love Intelligence . They understood something many of us...

Most people think making more money means working harder. I don't. I believe the real question is: How can you move faster with less fear? The answer is Corporate Governance . Think of corporate governance like the brakes on a high-performance car . Without good brakes, would you dare to drive at 200 km/h? Of course not.  Ironically, the better your brakes, the faster you can safely go. The same applies to business. Corporate governance is not just about complying with government rules and regulations. It is about three things: First, protecting your business from unnecessary risks. My client wants to bet big on the oil futures.  With an independent director questioning at the board meeting, my client took the risks WITH SAFEGUARDS.  Second, making better decisions through accountability and transparency. As a corporate coach and trainer, my clients need to explain why they do something. Such accountability and transparency may slow things down at the beginning, they do s...

小伟：眼里只有金钱的孙子 我们一开始不喜欢他，后来却在他身上看见了自己 《给阿嬷的情书》的故事，从小伟开始。也可以说，最后又回到了小伟。 故事一开始，小伟只有一个目标： 赚钱。 他来到泰国，希望找到传说中富有的祖父，得到一笔遗产。 他并不关心阿嬷淑柔过去经历了什么。也不太在乎她的感受。 因此，很多观众一开始并不喜欢他。 但也正因为如此，小伟成为电影里最重要的人物之一。 因为， 小伟就是今天的我们。 我们努力追求成功。努力赚钱。努力得到更多。却常常忽略了，那些一直默默爱着我们的人。 随着小伟一步步了解木生、南枝和淑柔的故事，他的心开始改变。 他来到泰国寻找金钱。最后找到的，却是 情义 。 他终于明白，人生最大的遗产，不是财富。而是品格。 不是金钱。而是爱。 不是拥有多少东西。而是留下多少真情。 这也是《给阿嬷的情书》最精彩的地方。 电影从一个年轻人寻找金钱开始， 却以一个年轻人找到人生真正价值结束。 这，也是《爱的智慧》（Love Intelligence LQ）的旅程。 很多人一生都在问： “我怎样才能赚更多的钱？” 《爱的智慧》教我们问一个更重要的问题： “我怎样才能成为一个值得别人信任、尊敬和深爱的人？” 当我们找到这个答案，也就找到了小伟最后找到的答案。 人生最大的财富，不是金钱。 而是情义。

  X iao Wei: The Grandson Who Only Wanted Money The Character We Dislike at First... But Eventually See in Ourselves Dear You begins with Xiao Wei.  And in many ways, the movie ends with him. At the beginning, Xiao Wei has only one goal: Money. He travels to Thailand hoping to find his wealthy grandfather and claim an inheritance. He shows little interest in his grandmother, Shurou.  Her past means nothing to him.  Her feelings matter even less. Many viewers may even dislike him. But perhaps that is exactly why he is one of the most important characters in the movie. Because Xiao Wei represents many of us. We are busy chasing success. We pursue wealth. We focus on what we can gain. Yet we often overlook the people who quietly love us. As Xiao Wei uncovers the truth about Mu Sheng, Nanzhi and Shurou, something begins to change. He came looking for money.  Instead, he found Qing Yi 情义 He discovered that the greatest inheritance is not wealth. It is character....

  我只是顺着自己的心去做。 《给阿嬷的情书》教会我的爱的智慧 很多人谈《给阿嬷的情书》，都会想到木生、南枝和淑柔。 但电影里还有三位不太起眼的人物， 却默默诠释了情义以及真、善、美。 他们没有惊天动地的故事，却让人感受最深。 1. 谢来顺——放手，才是真正的父爱 谢来顺看起来爱喝酒、什么都不管。但事实上，他一直默默守护着女儿南枝。他没有控制兰芝的人生，没有替她做决定，而是相信她、支持她，让她勇敢走自己的路。 这份爱，不是占有，而是成全。 2. 小伟——寻找金钱，却找到情义 淑柔的孙子晓伟来到泰国，原本只想寻找财富。 最后找到的，却是比财富更珍贵的东西——情义。 他终于明白，人生真正的遗产，不是金钱， 而是一个人留下来的品格与爱。 3。 谢泽华——默默传承爱的精神 泽华没有轰轰烈烈的戏份。却用行动，默默延续养母南枝一生坚持的价值。 没有口号，没有炫耀，只是安静地把善良、感恩和责任继续传承下去。 真正的爱，就是这样一代传一代。 我只是顺着自己的心去做。 这三个人，都有一个共同点。 他们从来没有计算得失。没有追求掌声。没有想过自己会不会成功。 他们只是顺着自己的心，去做自己认为对的事。 这，就是《给阿嬷的情书》最打动我的地方。 它告诉我们， **真、善、美**， 并不属于英雄。 而是属于每一个平凡的人。 当我们愿意关爱别人，勇敢坚持，真诚连接， 爱的智慧（Love Intelligence LQ） 便自然流露出来。 也许，电影里最伟大的，并不是主角。 而是这些默默无闻、却始终活出情义、真善美的人。 因为真正改变世界的，往往不是轰轰烈烈的人。 而是那些顺着自己的心，默默做好每一件事的人。

"I Am Just Following My Heart." What Dear You Teaches Me About Love Intelligence When people talk about Dear You , they often focus on Mu Sheng, Nan Zhi and Shurou. But three lesser-known characters quietly reveal the deepest meaning of Love Intelligence . Xie Laishun – The Father Who Let Love Be Free He looked like a drunk who cared about nothing. Yet beneath that rough exterior was a father who never tried to control his daughter Nanzhi.  He simply trusted her.  He protected her. He gave her the freedom to follow her own heart. That is Care with Courage . Xiao Wei – The Grandson Who Found Qing Yi As the grandson of Shurou, he went to Thailand looking for money. Instead, he found no money but something cannot buy. He discovered that the greatest inheritance is not wealth, but Qing Yi . His journey reminds us that true prosperity begins with becoming a good person. Zhehua – The Son Who Quietly Carried Love Forward He never stood in the spotlight as the adopted son of Nan Zhi...

Can a Man and a Woman Be Just Friends? Dear You Gives Us a Beautiful Answer. One of the biggest questions people ask after watching Dear You  movie is: Did Nanzhi remain unmarried because she loved Mu Sheng? For nearly twenty years, she wrote letters and sent money to Mu Sheng's wife in China, Shurou. Was it romantic love?  Was she simply transferring her feelings onto another woman? I see it differently. The brilliance of Dear You is that it does not portray Nanzhi as a woman hopelessly in love. If her actions were driven only by romantic love, it would have been almost impossible for her to devote eighteen years of her life to caring for the family of her so-called "love rival" without resentment. Nanzhi was not protecting her own love. She was protecting Mu Sheng's promise. She was not loyal to a man. She was loyal to Qing Yi (情义) . Perhaps she admired Mu Sheng.  Perhaps she respected him deeply. But the movie never allows her to cross the line into romance. Beca...

男女之间，真的有纯友谊吗？ 《给阿嬷的情书》给了我们一个最美的答案 很多人看完《给阿嬷的情书》都会问： 南枝终生未嫁，是因为她爱上了木生吗？ 她十八年来替木生写信、寄钱给木生在中国的妻子淑柔， 到底是爱情？还是一种移情作用？ 我反而认为，电影最伟大的地方， 就是 它没有把南枝写成一个痴情女子。 如果只是男女之爱，面对所谓的“情敌”， 一般人很难做到十八年毫无怨言地照顾对方一家。 南枝守护的，不是自己的爱情。 而是 木生的承诺。 她忠于的，不是一个男人。 而是 情义。 她爱的是木生这个人吗？ 也许有欣赏，也许有感动。 但电影从来没有让她跨越那条界线。 因为有一种感情，比爱情更伟大。 那就是彼此尊重、彼此成全、 彼此守护的 纯友谊 。 《给阿嬷的情书》证明了一件很多现代人已经不相信的事情： 男女之间，是可以有纯友谊的。 这种友谊，没有占有。没有嫉妒。 没有索取。只有信任、责任、以及情义。 这也是为什么南枝这个角色如此令人敬佩。 她不是为了得到木生。 她只是希望木生最在乎的人，能够好好活下去。 这，不是爱情。 这是更高层次的人性。 也是《爱的智慧》所说的： 关爱，不一定要拥有。 勇气，不一定要表白。 连接，不一定要成为恋人。 真正伟大的关系，有时候不是爱情。 而是 情义。 而《给阿嬷的情书》，让我们重新相信，这个世界，依然有男女之间最纯粹的友谊。

The 5 Ways to Manage Risk: What If AI Replaces Your Job? Artificial Intelligence (AI) is no longer a future possibility, it is a present reality. Across industries, routine tasks are increasingly being automated. While AI creates new opportunities, it also raises one important question: "What if AI replaces my job?" Good risk management is not about eliminating all risks. It is about making wise decisions before risks become crises. A simple and practical framework consists of five risk responses : 1. Avoid the Risk Do not start, accept or continue with the activity. If your role is almost entirely repetitive, rules-based and predictable, continuing to rely solely on that job may expose you to significant AI disruption. For example: Data entry Basic bookkeeping Simple customer service Routine reporting Instead of remaining in a role that AI is likely to automate, consider moving into work that requires: Leadership Creativity Relationship building S...

How Yijing Leadership and Management Helps You 1. Pattern Recognition See what others miss. Most leaders react to isolated events. Yijing trains you to identify recurring patterns in people, teams, markets, customers and organizations before they become obvious. You will learn to: Spot hidden organizational dynamics Detect opportunities earlier Anticipate risks before they become crises Make better strategic decisions Business impact: Higher profits through better timing and fewer costly mistakes. 2. Probability Thinking Think in probabilities instead of certainties. Leadership is rarely about being 100% right. Yijing teaches you to evaluate likelihoods instead of making rigid predictions. You will learn to: Assess multiple possible outcomes Reduce decision bias Prepare contingency plans Increase confidence under uncertainty Business impact: Better decisions with lower risk. 3. Principle-Based Reasoning Lead by timeless principles, not emotions. Markets change. Technology changes. Huma...

为什么《给阿嬷的情书》感动了千万人？ 因为它唤醒了我们心中最珍贵、却渐渐遗忘的价值。 很少有一部电影，让人看了两遍、三遍，还忍不住推荐身边每一个人去看。 《给阿嬷的情书》做到了。 不是因为明星。不是因为特效。不是因为宣传。 而是因为，它疗愈了我们的心。 它让我们重新想起两个字： 情义。 1. 情义，不是利益交换。 不是今天帮你，明天你就要回报我。 情义，是一种责任。是一种承诺。 是一种即使没有人知道，也愿意做对的事。 电影里的南枝，为了一个素未谋面的女人，默默写信、寄钱十八年， 没有要求感谢，没有期待回报。 她守护的，不是一个人。 而是 情义 。 2. 电影也让我们重新认识侨批。 一封封家书，寄回家的不仅是钱，更是诚信、责任、思念，以及一个男人对家庭永不放弃的承诺。 今天，我们通讯越来越方便，人与人的距离却越来越远。 《给阿嬷的情书》提醒我们， 真正维系家庭的，从来不是科技。而是真心。 3. 电影里的女性，也展现了最美的人性。 她们没有为了爱情互相争斗。没有嫉妒。没有算计。 有的，只是彼此成全，彼此守护。 这份情，跨越了十八年。 4. 电影还告诉我们，文化值得守护。 即使环境再艰难，依然有人坚持华文教育，坚持传承自己的语言与文化。 因为失去语言，失去的不只是沟通工具，更是一个民族的记忆。 或许， 《给阿嬷的情书》真正成功的原因，只有一个。 它证明了： 真诚，依然最有力量。 善良，依然最能打动人心。 情义，依然是这个世界最珍贵的财富。 这也是《爱的智慧》（Love Intelligence LQ）一直想告诉我们的。 在AI越来越聪明的时代，世界真正需要的，不是更多科技， 而是更多关爱。 不是更多算计，而是更多情义。 不是更多成功，而是更多真、善、美。 如果这篇文章让你有所感动， 请把它分享给一个你在乎的人。 也许，他需要的，不是另一部电影。 而是重新相信—— 这个世界，依然值得我们有情有义地活着。

Why Millions Are Watching Dear You Again, and Why You Should Share It Very few movies make people return to the cinema a second or third time. Dear You has. Not because of spectacular action.  Not because of famous stars. But because it heals something that many of us didn't even know was broken. 1. It reminds us of Qing Yi (情义):  the belief that relationships are built not on transactions , but on loyalty, responsibility and doing the right thing even when no one is watching. 2. It reminds us of the Qiaopi (侨批):  letters sent home by early migrants that carried not just money, but messages of integrity, hope and a promise never to abandon one's family. 3. It celebrates women of extraordinary strength . Instead of competing for love, one woman quietly protects another woman's family for 18 years, asking for nothing in return. That is not romance. That is humanity. 4. It honours those who refused to let their language and culture disappear. Even in hardship, they ...

A Liar and Imposter for 18 Years How Nanzhi's Countless Lies Touched Millions of Hearts For 18 years, Xie Nanzhi lived a lie. She forged letters. She imitated another person's handwriting. She sent money under a dead man's name. By every legal and social definition, she was an imposter. Yet millions of people around the world were moved to tears by her story. Why? Because not all lies are born from selfishness. Some are born from love. After Zheng Musheng died unexpectedly, Nanzhi faced an impossible choice. Tell his wife, Ye Shurou, the heartbreaking truth and watch her world collapse. Or quietly carry a burden that was never hers. She chose the second. For nearly two decades, she became Musheng. Every letter she wrote. Every dollar she earned and sent. Every sacrifice she made. Was not for herself. It was for another woman she had never even met. That is why Nanzhi's story is not really about lying. It is about Love Intelligence . Love Intelligence is knowing that doi...

For 18 years, Xie Nanzhi lived a profound lie.  Her friend Musheng died heroically in Bangkok, leaving behind his wife in China,  Shurou, who had depended on his letters and remittances for the past 12 years. Instead of informing his wife, Shurou, that Musheng had died, Nanzhi did the unthinkable. She lied.  She forged Musheng’s handwriting, wrote letters and sent money in Musheng’s name to his wife, a person she doesn’t know.  She gave her care and money not 1 month or 1 year, but 18 years. All the while, without Shurou knowing.   Due to a miscommunication, Shurou mistook Nanzhi for Musheng's new wife.  For the next 40 years, Shurou stopped responding to Nanzhi's letters.   In 2018, the grandson of Shurou went to Bangkok and discovered this big lie.     It turned out to be the biggest love of the century. To know why, watch out for our next article.  (This is the story of Dear You that touched the hearts of millions world...

  没有成功，却感动千万人 《给阿嬷的情书》告诉我们：英雄，不以成败论 今天，我们总是用财富、地位和成就来衡量一个人是否成功。 但《给阿嬷的情书》却告诉我们： 真正伟大的人，不一定拥有世俗意义上的成功。 1. 郑木生 ，1960年38岁就离世。被人杀死。 没有财富。没有名声。没有事业。 却留下了责任、担当和对家人的爱。 2. 谢兰芝 ，晚年患上失智症。 她几乎忘记了自己曾经做过的一切。 没有人知道她默默付出了二十年。 但她的情义，却感动了千万观众。 3. 叶淑柔 ，88岁依然住在乡村老家。 没有财富。没有地位。没有辉煌的人生。 却用一生的等待与忠诚，让人看见爱的力量。 如果按照今天社会的标准，他们都算不上成功。 可是，他们却影响了无数人的生命。 为什么？ 因为真正留在人们心中的， 不是一个人的成就，而是一个人的品格。 这让我想起一句古话： “不以成败论英雄。” 真正值得尊敬的人，不是拥有最多的人，而是付出最多的人。 不是最成功的人，而是最有情有义的人。 这也是我的书和课程《爱的智慧》（Love Intelligence）一直强调的： 关爱（Care）。 勇气（Courage）。 连接（Connection）。 这些品格，远比财富更长久； 远比名声更珍贵；也远比成功更能影响世界。 也许， 《给阿嬷的情书》最想告诉我们的， 不是如何成功。 而是如何成为一个值得被记住的人。 因为人生最后留下来的，不是你拥有了什么， 而是你爱过谁、帮助过谁、又影响了谁。

From Zero to No Success, Yet They Inspire Millions Dear You Reminds Us That Virtue Is Greater Than Achievement In today's world, we often measure success by titles, wealth and achievements. Dear You asks a very different question: What if a person achieved almost nothing by the world's standards, yet changed countless lives? Zheng Musheng He died at just 38 years old in 1960. He never became rich.  He never became famous.  His life ended quietly - killed by thiefs.  Yet people remember his sacrifice, responsibility and love. Xie Nanzhi In her old age, she suffered from dementia. She could barely remember the extraordinary things she had done. She never sought recognition. Yet millions of viewers remember her courage and Qing Yi. Ye Shurou At 88 years old , she still lived in her old village. No wealth.  No status.  No remarkable achievements. Yet her faithfulness and unwavering love moved an entire generation. Success Is Temporary. Virtue Is Timeless. None of...

Singapore government has approved many more additional screenings of Dear You in its original Teochew dialect, rather than the dubbed Mandarin version. Many people are saying,  "Teochew is making a comeback!" Perhaps.  But I believe this development teaches us something even deeper. 1. Scarcity Creates Value The original Teochew version was available only in limited screenings. That made it more precious.  People naturally value what is scarce. Dear You reminds us that truly valuable things do not always need massive promotion. Sometimes, scarcity itself creates demand. 2. People's Voices Matter The decision to add more Teochew screenings shows that public feedback was heard. Good leadership is not just about making decisions. It is about listening. When people speak, and leaders respond, trust grows. 3. Let's Also Appreciate Our Leaders A minister recently remarked that he hardly has time to watch movies. Some people questioned that.  I see it differently. It remi...