Tuition Fee Loan – Financial advice

Recently, I met a friend named S. she complained about that after 3 years working in Singapore, she has managed to pay only half of tuition fee loan, which valued ~48 000SGD after her graduation.

She is a carefree person. She never cares about how much she spends each month. In a conversation, she revealed that she purchased an saving insurance plan. It promised to give her 6% annually interest rate. Given the fact that the TFL interested rate is 4.75%, she assumed to make a positive margin of 6%-4.75% = 1.25% interested rate.

I am shocking after listening her story. Tuition Fee Loan, a big sum of debt, was not addressed properly in my friend’s financial projection.

Firstly, tuition fee loan is a good loan for investment of degree. It is the prerequisite entry for many job in corporate companies. Those HR people, they look at academic performance and perhaps which school or degree . A loan sounds like good loan when it provide free interested rate. In fact as a student, I never think too much about it. If I don’t pay the interest, why I need to care.

Secondly, it is bad debt after graduation. There is interested rate, thing starts to change. I have to pay monthly instalment.  I have no way to escape from it. Imagine if you borrow money from a bank, you still have liability to make your business profitable and hopefully at the end of day, you are able to pay all. For TFL, it is a bit different. The interested rate may be not high, but it is accumulated over time. I have no way to escape from that. Even I leave Singapore to live in Vietnam, the bank will chase after me if I don’t pay the minimum monthly amount. Sounds fair enough?

In the case of losing money of building a business, I may declare bankrupt and that is it. For TFL, I have to pay back the loan until it is fulfilled. To another extent, TFL is the worst loan ever if you don’t realize its accumulating interest.

So that is reason why if you financial smart, you should never take bad debt into your long term calculation. You should quickly resolve the loan as soon as possible. Set the monthly instalment as high as you can adapt. Then after fully paying the loan, you can start invest into other saving or endowment plan. Basic insurance protection is fine, but saving plan should not be applied at the beginning. Otherwise, you may end up like my friend’s situation.

P/s: I am not a financial consultant. I just read “Rich dad poor dad” of Robert T. Kiyosaki. This book give me many financial advice.

Working with JSON in swift

It is the first time I practice Swift programming.

The first app I am going to build is a catalogue of schools in Singapore. In order to do that, I create a file data.json with the following format:

To read this data, just call file and read it as a string:

Here come the tricky part, when I need to parse JSON from string, there are a lot of weird errors mainly coming from Swift. I try to read some online articles. Actually we can use NSData to convert it to NSDictionary or NSArray.

I strongly recommend using this library SwiftyJSON which saved me a lot of time to navigate data in JSON. Here is the code with SwiftyJSON :

It was really awesome. After few days, I figure out how to fix the unwrapped optional type value in Swift. As times goes by, you will see a lot of “if let var_a var_b” in Swift like the above snippet.

Have fun with Swift.

My repo is here:

Hi there

Hi there!

This post is for you, if you are by chance reading my blog. I know that I meet you a few times. Maybe a couple of times more if we are lucky.

Hi there!

Just keep something sweet and beautiful.

Between you and me, we have no common friends. We live in 2 different worlds, have our own life and live with different thinking. Whether it is Coincident or randomness, I still found some similarities among us. That make me thinking about you.

Your silent smile. Your cute short hair. Your straight way of thinking. I am not flirting, seriously, or I did.

Hi there, that maybe the first impression.

We may not have enough luck to make our road crossing in this universe. It probably leads to nothing. To make something happens, one needs sacrifice, and pursues other. I am not sure I have such courage. Life has tons of other things.

Hi there, if you come to Asia, do let me know. I will be always ready to bring you around.

From my eyes to deep inside my heart.



If you like algorithm and tetris games, perhaps you will like this game right at the first time. The game is called 2048.

The rule is very simple: use arrow keys to move the tile up/down or left/right. Two tiles with the same number will merge and double its value. The game end when there is no more moves.

Winning is determined if one of the tiles reach 2048

Screen Shot 2014-03-20 at 9.50.50 pm


Simple yet elegant

At first, I wonder why people like this game. It is deadly simple. No fixed strategy.

This shape a new trend in gaming. Game is getting simpler, not more complicated. An example is Flappy Bird, developed by Dong Nguyen.

2048 clones

Logarithmic Flappy version:

Dog version: (Shiba inu meme)

Multiplayers version

Invisible version

Tetris version


Gấu trúc

Mình mới đưa về dinh về 1 em gấu trúc. Vốn là heo nhưa đựng tiền xu để quyên góp cho dự án Cơm có thịt Singapore. Trông em ấy nửa giống gấu trúc, nửa giống chó. Thích cái vẻ đen trắng phong thuỷ của em ấy.

panda-front panda



Tuần sau hứng lên cũng đi vẽ cho dự án này của em Sunnie. Lấy mẫu là Superman. Thực ra mình cũng không phải hoạ sĩ. Chỉ bắt chước theo khuôn mẫu. Giờ là lúc đợi thiên hạ có ai rủ lòng thương adopt con piggy mình làm không.

our piggies

Another lonely trip

This weekend, one more time, I start my travelling journey alone. The place I will visit is Bangkok, Thailand. 

Want to have fun with friends, but all of them withdrawn from the trip due to rumours of violence in this city. 

I am speechless when I know that I cannot convince them staying on my side. 

From this point, I know that I am lonely again in this planet. 

The world will start the way I imagine, not what it has in the past. 

Just go!