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	<title>Ryan Koh Blog &#187; My Thoughts</title>
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	<link>http://ryankoh.sg</link>
	<description>Journey of an Entrepreneur</description>
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		<title>Is investing in Singapore Property still lucrative?</title>
		<link>http://ryankoh.sg/2010/09/is-investing-in-singapore-property-still-lucrative/</link>
		<comments>http://ryankoh.sg/2010/09/is-investing-in-singapore-property-still-lucrative/#comments</comments>
		<pubDate>Wed, 08 Sep 2010 03:56:24 +0000</pubDate>
		<dc:creator>Ryan Koh</dc:creator>
				<category><![CDATA[Financial News]]></category>
		<category><![CDATA[My Thoughts]]></category>
		<category><![CDATA[Property investment]]></category>
		<category><![CDATA[singapore property]]></category>

		<guid isPermaLink="false">http://ryankoh.sg/?p=635</guid>
		<description><![CDATA[30th August 2010 was a day to remember with all the cooling measures introduced to bring down the heat of our property market. In fact, 2 weeks prior to that, I was viewing a studio unit at SouthBank selling at $950,000 with tenancy. It was giving a pretty decent return of 3% with potential capital [...]]]></description>
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		<title>Are you able to achieve financial freedom?</title>
		<link>http://ryankoh.sg/2010/07/are-you-able-to-achieve-financial-freedom/</link>
		<comments>http://ryankoh.sg/2010/07/are-you-able-to-achieve-financial-freedom/#comments</comments>
		<pubDate>Sun, 18 Jul 2010 16:00:00 +0000</pubDate>
		<dc:creator>Ryan Koh</dc:creator>
				<category><![CDATA[My Thoughts]]></category>
		<category><![CDATA[cash flow]]></category>
		<category><![CDATA[Financial Freedom]]></category>

		<guid isPermaLink="false">http://ryankoh.sg/?p=526</guid>
		<description><![CDATA[While I was doing financial planning for my clients, a lot of them mentioned that they want to achieve financial freedom early and retire young. I guess that is one of the common goals for working adults in Singaporean yea? Is it really possible? Let’s analyse. The best way to look into this is to [...]]]></description>
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		<title>Money not enough</title>
		<link>http://ryankoh.sg/2010/06/money-not-enoug/</link>
		<comments>http://ryankoh.sg/2010/06/money-not-enoug/#comments</comments>
		<pubDate>Thu, 10 Jun 2010 09:13:42 +0000</pubDate>
		<dc:creator>Ryan Koh</dc:creator>
				<category><![CDATA[My Thoughts]]></category>
		<category><![CDATA[expense]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://ryankoh.sg/?p=507</guid>
		<description><![CDATA[Recently one of my clients and also a personal friend called me up and wanted to meet to talk about her existing policies. Her intention was actually to reduce her premium to the minimum. I met her subsequently over tea to talk about the matter. “Ryan, I feel very broke!” she exclaimed this statement at [...]]]></description>
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		<title>A gift by my 5 year old client</title>
		<link>http://ryankoh.sg/2010/04/a-gift-by-my-5-year-old-client/</link>
		<comments>http://ryankoh.sg/2010/04/a-gift-by-my-5-year-old-client/#comments</comments>
		<pubDate>Fri, 16 Apr 2010 08:44:37 +0000</pubDate>
		<dc:creator>Ryan Koh</dc:creator>
				<category><![CDATA[My Thoughts]]></category>

		<guid isPermaLink="false">http://ryankoh.sg/?p=430</guid>
		<description><![CDATA[This is a Art &#38; Craft work that Xin Hwee, my 5 year old client, gave me when I was visiting her place 2 weeks ago. I was pleasantly surprised to learn from her that she only made 1 of this and wanted me to have it! She even insisted that I write my name [...]]]></description>
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		<title>Are You a Monkey</title>
		<link>http://ryankoh.sg/2010/03/are-you-a-monkey/</link>
		<comments>http://ryankoh.sg/2010/03/are-you-a-monkey/#comments</comments>
		<pubDate>Wed, 31 Mar 2010 10:11:39 +0000</pubDate>
		<dc:creator>Ryan Koh</dc:creator>
				<category><![CDATA[My Thoughts]]></category>

		<guid isPermaLink="false">http://ryankoh.sg/?p=410</guid>
		<description><![CDATA[I was attending my CFP lesson last week when the lecturer told the class a very interesting story. It is actually a real experiment done by scientists many years back. The Monkey Experiment What the scientists did was to put 5 monkeys into a cage. There is a pole standing in middle of the cage and [...]]]></description>
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		<title>Electricity prices up again!</title>
		<link>http://ryankoh.sg/2009/12/electricity-prices-up-again/</link>
		<comments>http://ryankoh.sg/2009/12/electricity-prices-up-again/#comments</comments>
		<pubDate>Tue, 29 Dec 2009 18:48:07 +0000</pubDate>
		<dc:creator>Ryan Koh</dc:creator>
				<category><![CDATA[My Thoughts]]></category>
		<category><![CDATA[electricity bill]]></category>
		<category><![CDATA[oil price]]></category>

		<guid isPermaLink="false">http://ryankoh.sg/?p=209</guid>
		<description><![CDATA[1 thing that I always keep a lookout for whenever I drive is the price of petrol prominently displayed at Shell petrol kiosks. If you are not aware, all petrol companies charge the same price for petrol. So even I don’t pump at Shell, they definitely provide useful information to me. Thanks Shell! I’ve been [...]]]></description>
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		<title>Time &amp; Money</title>
		<link>http://ryankoh.sg/2009/10/time-and-money/</link>
		<comments>http://ryankoh.sg/2009/10/time-and-money/#comments</comments>
		<pubDate>Wed, 21 Oct 2009 05:31:49 +0000</pubDate>
		<dc:creator>Ryan Koh</dc:creator>
				<category><![CDATA[My Thoughts]]></category>
		<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Time]]></category>

		<guid isPermaLink="false">http://ryankoh.sg/?p=180</guid>
		<description><![CDATA[Which is cheaper, Sand or Gold? The answer may look simple but a lot of people actually got it wrong. Of course I am not referring to Sand and Gold, I am referring to Time &#38; Money. What is the similarity between the two? It is in the quantity that they are being found. Sand [...]]]></description>
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		<slash:comments>3</slash:comments>
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		<title>Why you should cheer for others’ success?</title>
		<link>http://ryankoh.sg/2009/09/why-you-should-cheer-for-others%e2%80%99-success/</link>
		<comments>http://ryankoh.sg/2009/09/why-you-should-cheer-for-others%e2%80%99-success/#comments</comments>
		<pubDate>Thu, 17 Sep 2009 17:53:08 +0000</pubDate>
		<dc:creator>Ryan Koh</dc:creator>
				<category><![CDATA[My Thoughts]]></category>

		<guid isPermaLink="false">http://ryankoh.sg/?p=139</guid>
		<description><![CDATA[Just a few days ago while I was driving, a Lamborghini drove past me. Carrying a SJU car plate and with a perfect white paint, it’s definitely an envy. “Congratulations! You have made it!” That is what I said out loud to myself in my car with 100% honesty. Why do I do that? In [...]]]></description>
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