Business and Money Tips

Brakes to Go Faster in Corporate Governance What allows a Ferrari to go fast? You may say: a powerful engine.  Of course. But would you dare to drive at 200 kilometres per hour if the car had no brakes ?  Probably not. In fact, the faster the car, the more important the brakes become. Good brakes don't make the car slower. Good brakes give you the confidence to go faster. And that is exactly how I see corporate governance . Many businesspeople think governance is there to slow them down. More rules, approvals, questions, paperwork. I see it differently. Corporate governance is the brakes that allow a business to go faster—safely. And when governance fails, even a powerful company can crash. Let me give you a Singapore example. Many of us remember Hyflux .  At one time, Hyflux was one of Singapore's great entrepreneurial success stories.   It grew from a small water-treatment business into an international company. Its founder, Olivia Lum, became o...

如何为下一代守护家族的财富与亲情？ 许多成功的创办人，用一生为家人创造财富。 他们长时间工作，承担巨大的风险，也经历了下一代未必能够完全理解的艰辛。他们最大的愿望其实很简单： 希望孩子和孙辈，可以过得比自己更好。 然而，财富可以是一份祝福，也可能成为一种负担。 当财富从一代传到下一代，一些从未说出口的问题便会浮现： 谁应该接管家族事业？ 谁应该管理家族投资？ 为什么有些孩子分得多，有些分得少？ 在重大决定上，究竟应该听谁的？ 一个家族也许成功传承了资产，却可能失去比资产更珍贵的东西—— 信任 。 因此，守护财富，不只是做好投资、减少税务负担，或准备完善的法律文件。我们还必须守护那些赋予财富真正意义的家人关系。 这需要三种爱的智慧。 第一是 关爱 ——愿意聆听每一位家人的声音，了解他们的期望、恐惧，以及他们对公平的看法。 第二是 勇气 ——在危机逼迫大家面对之前，就勇敢谈论传承、责任、冲突，甚至死亡。 第三是 连接 ——建立共同的家族使命，让每一代人都明白： 我们的财富为何存在？它将来又应该为家族和社会带来什么美好？ 良好的家族治理，并不是把爱从家族中拿走，而是保护家人的爱，不被金钱和利益伤害。 这也是独立判断能够发挥价值的地方。 一位值得信赖的独立董事或治理顾问，不是要取代家人的决定，而是帮助家族提出难以启齿的问题、建立问责机制，并根据原则而不是个人关系作出决定。 一个人能够留下的最大传承，不只是更多的金钱。 而是培养出有能力、有责任心的下一代，让他们懂得妥善管理财富，彼此真诚相待，并在创办人离开以后，依然能够团结在一起。 财富可以帮助下一代生活得更好；但唯有信任、价值观与亲情，才能让家族代代兴旺。

How Do We Protect Both the Family’s Wealth and Relationships for the Next Generation? Many successful founders spend a lifetime building wealth for their families. They work long hours, take enormous risks and endure hardships their children may never fully understand. Their greatest hope is simple: May my children and grandchildren enjoy a better life. Yet wealth can be a blessing—and also a burden. When money passes from one generation to another, unspoken questions often emerge: Who should lead the family business? Who should control the investments? Why did one child receive more than another? Whose voice should matter most? The family may successfully transfer its assets, yet lose something even more precious: trust. Protecting wealth is therefore not only about making good investments, minimising taxes or preparing legal documents. It is also about protecting the relationships that give the wealth meaning. This requires three things. First, Care —to listen to each family member a...

The LQ Manager: Leading with Care & Clarity AI can help managers manage information. But can it help you win the hearts of your people? Today’s managers face a different challenge: employees want to be heard, difficult conversations are unavoidable, motivation is harder, and decisions must often be made under pressure. The LQ Manager shows you how to lead with Love Intelligence (LQ) — combining Care, Courage and Connection with the clarity to get things done. In this practical 1-day course, discover how to: ❤️ Lead with Care, Courage & Connection 💬 Handle difficult people and conversations 🤝 Motivate and build stronger teams 🧠 Make better decisions under pressure and crisis 💪 Develop a breakthrough mindset when facing giants 🎯 Turn LQ into a practical Manager Action Plan You don't become a great manager because people report to you. You become one when people trust you enough to follow you. 📅 Saturday, 29 August 2026 ⏰ 9.00 am – 5.00 pm 📍 Holiday Inn Singapore Atr...

为什么金生水？ 在《易经》五行——或者我更喜欢称为 五种流动的元素 ——当中，很多人最难理解的就是： 为什么金生水？ 水生木，我们懂——植物需要水才能生长。 木生火，我们懂——木可以燃烧成火。 火生土，我们也懂——燃烧之后化为灰土。 土生金，也不难理解——金属矿物藏在大地之中。 但是， 金怎么会生水？ 把一块金属放在桌上，等一天，也不会流出水来！ 关键就在于，我们不能把五行的**“生”**理解得太字面。 “生”不一定是“A变成B”，也可以理解为： 创造条件，让下一种力量产生、发挥和流动。 最简单的例子，就是从冰箱拿出一罐冰冷的饮料。 过了一会儿，罐子的表面出现了什么？ 水珠。 当然，水不是金属“制造”出来的，而是冰冷的表面让空气中的水分凝结出来。 所以，初学者可以这样记： 金不是变成水，而是创造条件，让水出现。 还有一个更容易记住的例子： 水管。 水为什么可以从水库流到我们的家，甚至流到几十层楼高的住宅？ 因为有管道。 金代表结构，水代表流动。 有了结构，水才能更有效地流动。 所以： 金生水 = 结构产生流动。 生活中其实到处都是“金生水”。 交通有规则，道路才顺畅。 公司有制度，工作才顺畅。 个人有预算，现金流才健康。 时间有规划，一天才不会白白流失。 看起来，规则限制了自由；实际上， 好的规则反而创造更大的自由。 这就是五行的智慧。 五行不是五种死板的物质，而是五种不断变化、相互影响的力量。“生”也不只是“制造”，而是 支持、创造条件、让下一股力量得以发生。 所以，要记住“金生水”，其实只需要记住一句话： 有规矩，才有流动。 金，是结构；水，是流动。 好的结构，不是阻止你前进，而是让你走得更顺、更快、更远。 这，就是金生水。

In Yijing Wuxing (五行), or the Five Moving Elements, most people have little problem understanding the first few relationships. Water grows Wood. 水生木 ( Plants need water to grow). Wood generates Fire. 木生火. ( Wood can be burned to create fire.) Fire generates Earth. 火生土. ( After something burns, it becomes ash and returns to the earth). Then we come to: Earth generates Metal. 土生金 ( Metal and minerals are found within the earth). So far, so good. But then comes the one that makes many beginners stop: Metal generates Water? 金生水? How can that be? Put a piece of metal on the table and wait. Water doesn't come out of it. The confusion comes because we interpret 生 (sheng) too literally. In Wuxing, 生 does not necessarily mean that one substance physically changes into another. It can also mean to give rise to, support, enable, or create the conditions for something to happen . Once we understand this, 金生水 becomes much easier to appreciate. Think of a Cold Metal Can Take a cold metal can ou...

如果AI已经如此像人，人类还剩下什么？ 完全由AI创造的方桃子，来自AI短剧《被裁掉的女孩》 火了。 这部短剧在单一平台的播放量已经超过2.5亿，方桃子拥有数十万粉丝和数千万点赞，并吸引了大量品牌广告与产品代言。 但方桃子最吸引人的地方，恰恰是—— 她并不完美。 她会犯错。她会流汗。她会疲惫。她的妆会花。 她的脸上甚至会出现毛孔和瑕疵。 她越来越不像AI。 她越来越像我们。 于是，一个过去只存在于科幻电影的问题，突然摆在我们面前： 如果AI越来越像人，人类还剩下什么？ 这正是爱的智慧（Love Intelligence，LQ）变得比过去更加重要的地方。 AI越聪明，人类的竞争优势就越不能只建立在“聪明”之上。 而AI越像人，我们真正的优势，就越必须来自： 真正地做人。 这让我们重新回到爱的智慧的3C： Care 关爱 不是“表现得很关心”，而是 真正地关心一个人。 Courage 勇气 不是生成一段关于勇气的文字，而是 明知道有风险，依然愿意承担责任、作出选择。 Connection 连接 不是拥有百万粉丝，而是 人与人之间建立真正的关系与信任。 未来，AI也许能够把这三样东西都“表演”得非常好。 但人类不是表演它们。 我们活出它们。 当AI越来越像人， 真正地做人，反而成为我们的竞争优势。 过去，我们愿意为“完美”付出高价。 但是进入AI时代， 完美正在变得越来越便宜。 完美的照片，可以生成。 完美的英文，可以生成。 完美的PPT，可以生成。 完美的广告，可以生成。 甚至一个完美的人，也可以生成。 当“完美”变得随手可得， 什么反而变得稀缺？ 真实。信任。判断力。责任感。 人与人的关系。人生的意义。 而在商业世界里： 稀缺，就意味着价值。 所以： AI让智能变得越来越普及， LQ让人性变得越来越珍贵。 方桃子的出现，并没有削弱爱的智慧（LQ）的价值。 恰恰相反。 她让LQ变得比以前更加重要。 因为当机器连我们的“不完美”都能够模仿的时候， 人类已经不能再靠**“看起来像人”**来证明自己的价值。 我们必须真正活出人的价值： **关爱 Care 勇气 Courage 连接 Connection** 当AI越来越像人， 真正地做人，就是我们的竞争优势。

Fang Taozi (方桃子) from the AI-generated short drama The Girl Who Got Laid Off is a hit. This drama has 250 million views on a single platform, with Taozi gaining hundreds of thousands of followers and tens of millions of likes.  She also earns thousands from product endorsements.  Taozi is imperfect, she makes mistakes, she sweats, and her make-up melts and her fact has pores.  She is very human.  So perhaps we have been asking the wrong question. Actors and people are now asking the question: If AI Can Become Almost Human, What's Left for Humans? This is where I believe Love Intelligence (LQ) becomes even more important The more intelligent AI becomes, the less our competitive advantage can depend purely on intelligence. And the more human AI looks , the more our advantage must come from actually being human . That brings us back to the 3Cs of Love Intelligence: Care — not appearing to care, but actually caring. Courage — not generating the language of cour...

当我们谈起新加坡的历史，往往想到过去的重大事件和伟大人物。 但历史，不只是我们从书本上读到的过去。 今天，你和我，都正在创造新加坡的历史。 我们继续过着平凡的生活。 我们工作、吃饭、欢笑，与所爱的人相聚，尽情享受生命中的美好。 也许我们没有意识到—— 我们今天选择怎样生活，其实已经在为明天的新加坡作出贡献。 这就是暂停  Pause Singapore 一个简单却重要的使命： 暂停。反思。献礼。 Pause. Reflect. Gift. 从忙碌的生活中，暂停一下。 反思——不只是想想 新加坡给了我们什么 ，更问问自己： 我可以为新加坡做些什么？ 然后，献上一份属于你的礼物。 这份礼物不一定是金钱。 它可以是你的时间、善意、经验、鼓励、才华，也可以只是一个小小的行动，让新加坡因为有你而变得更美好一点。 暂停Pause Singapore 希望让大家凝聚在一起，成为一个共同体，去做一件我们平时可能从未停下来做的事： 想一想，新加坡对我意味着什么？ 然后，为新加坡献上属于我的一份礼物。 我们的先辈，建设了今天我们所继承的新加坡。 现在，轮到我们建设一个让下一代继承的新加坡。 创造历史，你不需要成为名人。 你只需要愿意贡献。 Pause. Reflect. Gift. 暂停。反思。献上你的礼物。 在这里 https://bit.ly/pausesg  然后分享到脸书组  https://www.facebook.com/groups/1697281094813706/ 你的礼物很重要，因为你很重要。

We Are Making Singapore History When we talk about the history of Singapore, we often think of the great events and great people of the past. But history is not only something we read about. You and I are making Singapore history today. We carry on with our lives. We work. We eat. We laugh. We spend time with people we love. We enjoy life as much as we can. And perhaps we don't realise it, but how we live today is already our contribution to tomorrow's Singapore. This is why Pause Singapore has a simple but important purpose: Pause. Reflect. Gift. Pause from our busy lives. Reflect—not only on what Singapore has given us, but what we can give Singapore. Then make a gift. It doesn't have to be money. Your gift can be your time, your kindness, your experience, your encouragement, your talent, or one small action that makes Singapore a little better. Pause Singapore brings people together as one people , to do something many of us may otherwise never stop to do: Reflect on wh...

金钱只有流动，才有能量 只有流动的东西，才有能量。 水不流，就会停滞。 血液不循环，就无法维持生命。 金钱，也是如此。 金钱放在那里，只是一项资产。 当金钱开始流动，它可以创造机会、工作、关系、希望，甚至改变一个人的生命。 但真正重要的问题不是： “我的钱有多少？” 而是： “我的钱，流向哪里？” 金钱可以因为恐惧而流动，可以因为贪婪而流动， 也可以带着**爱的智慧（LQ）**去流动。 关爱（Care） ——把钱用在真正能够改善生命的地方。照顾家人、善待员工、帮助有需要的人。 勇气（Courage） ——不要只懂得囤积。敢于投资今天，创造明天更大的价值。 连接（Connection） ——让金钱加强人与人的关系，而不是破坏关系。公平付出、慷慨给予、负责任地投资，也帮助别人一起成长。 《给阿嬷的情书》就让我们看见了这样的金钱。 木生拼命赚钱，但钱最终流向远方的家人。 南枝辛苦赚来的钱，也持续流向淑柔一家。 所以，真正有价值的， 从来不只是 钱 ， 而是 钱背后的爱与情义 。 这也让我们重新思考什么叫财富： 把钱存起来，是拥有财富。 把钱流动起来，是创造价值。 把钱带着爱流出去，是留下传承。 所以，不要只问： “我怎样才能赚更多钱？” 更应该问： “经过我手中的钱，可以为这个世界创造多少美好？” 这就是金钱里的 爱的智慧 。 让金钱流动，让价值增长，让爱决定它流向哪里。

Money Has Energy Only When It Moves Only things that move have energy. Water that stops flowing becomes stagnant. Blood that stops circulating cannot sustain life. Money is the same. Money sitting somewhere is merely an asset. Money that moves can create opportunities, livelihoods, relationships and hope. But there is an important question: Where are you moving your money? You can move money out of fear,  greed, or  Love Intelligence (LQ). Care — Spend money where it genuinely improves lives. Support your family, employees, community and people who need an opportunity. Courage — Invest rather than merely hoard. Have the courage to use resources today to create something of greater value tomorrow. Connection — Let money strengthen relationships rather than destroy them. Pay fairly. Give generously. Invest responsibly. Help others grow. This is beautifully reflected in Dear You . Musheng worked hard to earn money, but the money kept moving home to his family. Nan...

给阿嬷的情书 教会我们的爱的智慧 很多人问我： “孩子跟我越来越远，夫妻之间也没有以前亲密，朋友也渐渐少了。我甚至觉得，自己已经不知道怎么去爱了。” 我的回答是： 不要等到有爱的感觉，才去爱。 先做一件有爱的事。 《给阿嬷的情书》里，没有人高谈阔论什么是爱。 他们只是默默地 去爱 。 木生拼命工作，把钱寄回家——爱，是承担。 南枝十八年写信寄钱，不求回报——爱，是付出。 淑柔独自养大孩子，依然守候——爱，是坚持。 谢来顺没有控制女儿的人生，而是让她走自己的路——爱，有时候也是放手。 这就是《爱的智慧》（LQ）的 关爱、勇气、连接 。 关爱（Care） ：从一件小事开始。发一句问候，买一份他喜欢的食物，认真听他说话。 勇气（Courage） ：即使对方没有马上回应，也继续去爱。不要计算：“为什么总是我先？” 连接（Connection） ：不要一直要求别人走进你的世界。试着走进他的世界，了解他现在真正关心什么。 很多关系不是突然疏远的，也不会因为一次谈话突然亲近。 所以，不要急着“修复”关系。 从小小的爱，重新开始。 今天关心一次。明天再关心一次。慢慢地，陌生会变成熟悉，距离会变成连接。 也许《给阿嬷的情书》最想告诉我们的就是： 爱，从来不需要轰轰烈烈。 一封信，一顿饭，一个电话，一次等待，一句： “我在这里。”  都可以是爱。 不要等别人先爱你。 从今天开始，先爱一个人。 因为爱的智慧，不只是心里有爱， 而是让别人感受到你的爱。

“I Feel So Far from My Family. How Do I Love Again?” A question people often ask me is: “My children seem so far away from me. I’m no longer close to my spouse, my family or even my friends. I feel that I don’t know how to give love anymore. What can I do?” My answer is: Don't begin by trying to feel more love. Begin by doing one loving thing. Dear You teaches us this beautifully.  Nobody in the movie gives lectures about love. They simply do love. Musheng works long hours and saves whatever he can for his family. He shows us that love can be responsibility. Nanzhi writes letters and sends money for 18 years without asking for recognition. She shows us that love can be giving without keeping score. Shurou waits, raises her children and continues living. She shows us that love can be faithfulness. Xie Laishun does not control his daughter. He gives her the freedom to live her own life. He shows us that sometimes love means letting go. There is something important here. They don'...

Why Pause Singapore matters Singapore’s first phase of nation building was highly visible: housing, infrastructure, education, jobs, security and economic survival. The next phase is increasingly human: What kind of society are we becoming while we continue progressing? That is where Pause Singapore has an interesting role. Pause creates space before reaction. In a fast-moving society, people are constantly responding, to work, technology, social media, costs, expectations and one another. Pausing restores intentionality. Reflect turns experience into meaning. Instead of asking only, “What can Singapore give me?” , reflection invites another question: “What kind of Singapore do I want to help create?” Gift changes citizenship from entitlement to contribution. A gift need not be money. It can be time, knowledge, encouragement, kindness, mentorship, listening, volunteering—or simply making another person's day better. Act prevents reflection from becoming merely inspiratio...

The Master Key: Win the Battle Before It Begins As Inspired by Charles F. Haanel’s The Master Key System Let me start with a question. Where does success begin?   With money?  Connections?  Education?  Hard work? Charles F. Haanel, author of The Master Key System , would give us a very different answer. He would say: It begins inside you. Before something becomes an achievement, it is an action. Before it becomes an action, it is a decision. And before it becomes a decision— it is a thought. That means many of the battles we fight outside us have already been won—or lost—inside us. 2,500 years ago, Sun Tzu gave us a remarkably similar principle: “Victorious warriors win first and then go to war.” So perhaps the greatest battlefield is not the marketplace.  Not your  competitor.  Not your boss.  Not even another person. The greatest battlefield is your own mind. The Door That Opens from Within Imagine two people facing exactly the same setback...