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About CRIB

CRIB Pte Ltd is a Singapore-based social enterprise which aims to empower women to become successful entrepreneurs through networking, matchmaking and business incubation. As a social impact business, we endeavor to reinvest all returns towards CRIB operations, with a portion of finances channeled towards complementary social causes that benefit women entrepreneurs.

Minister Grace Fu

Minister,

Minister for Culture, Community and Youth

Ms Grace Fu graduated with a Bachelor of Accountancy (Honours) and later obtained a Masters of Business Administration from the National University of Singapore. She began her career in 1985 with the Overseas Union Bank and later with the Haw Par Group in the areas of corporate planning, financial controls and business development.

Ms Fu joined the PSA Corporation in 1995 and took on different responsibilities in finance and marketing. She held the position of Chief Executive Officer, PSA South EastAsia and Japan, where she was responsible for the business performance of PSA’s flagship terminals in Singapore, Thailand, Brunei and Japan, before she joined politics.

Ms Grace Fu graduated with a Bachelor of Accountancy (Honours) and later obtained a Masters of Business Administration from the National University of Singapore. She began her career in 1985 with the Overseas Union Bank and later with the Haw Par Group in the areas of corporate planning, financial controls and business development.

Ms Elim Chew, PBM

Founder & President,

77th Street (S) Pte Ltd

Kingdom Investment Consultant

Ms Elim Chew is the Founder and President of 77th Street, the leading youth and young adults streetwear fashion and accessories retailer in Singapore and Beijing. She also sits on over 20 boards and committees of public service, youth and community organizations such as *SCAPE, School of The Arts, and Action Community for Entrepreneurship.

Ms Chew is humbled to be recognized with awards such as the Most Promising Woman Entrepreneur in 2001, Montblanc Businesswoman of the Year 2002, Young Woman Achiever 2003, Singapore Promising Brand Award 2004, Forbes Asia Hero of Philanthropy, Responsible Leadership Award and Community Engagement Award in 2010, Outstanding Young Singaporean Award – Commendation, and the Singapore Public Service Medal (PBM) in 2011.

Ms Claire Chiang, BBM

Senior Vice President,

Banyan Tree Holdings Limited

Ms Claire Chiang co-founded the Banyan Tree Hotels and Resorts and pioneered the group’s retail business in 1996, which has since grown to over 60 outlets worldwide. She currently serves as the Chairperson for China Business Development, Advisor on Human Capital Development, and the Chairperson of Banyan Tree Global Foundation, the sustainability arm of Banyan Tree Holdings.

Ms Chiang jointly received the 2009 Hospitality Lifetime Achievement Award at the China Hotel Investment Summit, honouring a lifetime of extraordinary leadership, accomplishments and contributions to the hospitality industry.

Ms Jennie Chua, PJG

Ms Jenny Chua is a Board Director of GuocoLand Limited, GuocoLeisure Limited and Far East Orchard Limited, as well as ISS A/S, a company listed on NASDAQ OMX Copenhagen. She is the Chairman of Alexandra Health System and Singapore Film Commission, the Deputy Chairman of Temasek Foundation, Member of CapitaLand Hope Foundation Board and Singapore’s Pro-Enterprise Panel. She is also a Board Director of Ministry of Health Holdings and sits on MOH Holdings Healthcare Infrastructure and Planning Committee.

Ms Chua is a Justice of the Peace and Singapore’s Non-Resident Ambassador to The United Mexican States. She holds a Bachelor of Science degree from the Cornell University School of Hotel Administration, and has been closely associated with the hospitality, tourism and property industry for over three decades, serving as Director of the Singapore Convention Bureau, General Manager and Chairman of Raffles Hotel and Raffles International, President and CEO of Raffles Holdings and The Ascott Group, and COO of CapitaLand Limited. She also previously chaired Community Chest, Singapore International Chamber of Commerce (the first and only woman to-date in its 177 years history), Sentosa Cove, and The Arts House.

Ms Laura Hwang, PBM

Ms Laura Hwang is the first Singaporean and woman to head an international financial company in Singapore, making her a role model for many younger women to enter the industry.  She has been recognised for her leadership in both the financial and community service sectors for her strong strategic, business and leadership abilities. Her 17-year banking career involved responsibilities such as Corporate Banking, Foreign Exchange, Asset Management and Private Banking in Singapore, Malaysia, Thailand, Indonesia and Australia. She was appointed to the boards of the Bank’s financial arms in Bangkok and Hong Kong.

Ms Hwang was the President of the Singapore Council of Women’s Organisations from 2010-2014, leading the Co-ordinating Council for 57 organisations with a combined outreach of over 700,000. She is also co-chair of BoardAgender and served as the Director of the ASEAN Confederation of Women’s Organisations till July 2014.

Dr Lily Neo, MBBChBAO

Member of Parliament,

Tanjong Pagar GRC

Dr Lily Neo, a medical practitioner, was first elected in 1997 as Member of Parliament for Kreta Ayer-Tanglin GRC and has been re-elected in the next three General Elections for Jalan Besar and Tanjong Pagar GRCs. She has served as Chairman of GPCs as well as Jalan Besar and Tanjong Pagar Town Councils.

Dr Neo, always mindful of the needs of her residents, reaches out and assists them through her regular house-visits and weekly “meet-the-people” sessions. She shows concern for the women, children, elderly and needy and has spoken out in Parliament on matters of government that affect their well-being. Of the many topics that included Adjournment and Private Member’s Motions she raised in Parliament, the most significant are those that pertain to concerns of women, welfare of the young and elderly, plight of the needy and the direction for our education and healthcare systems.

Dr Neo is a medical doctor who graduated from Dublin, Ireland. She still runs her own medical clinics. She is married to a doctor and they have a daughter and a son. Both her children are doctors with the Ministry of Health Holdings.

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A Beginner’s Quick and Simple Guide to Investing

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A Beginner’s Quick and Simple Guide to Investing

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Do you want to be successful in investing? Then you should know that you have to make smart choices in this field; and it is possible if you know yourself better.

“Knowing yourself is the beginning of all wisdom.” – Aristotle

You should be a person who invests money with little risk to capital in order to become a smart investor. As a beginner in investing, you need to learn how to make wise choices that can result in making wealth. If you’d like to make money from investing and become wealthy, you need to know yourself. This is due to the fact that you’re as good as the choices you make with your money -- it is the truth behind investing.

It’s not difficult to know yourself, financial blog does not require arduous steps in order to do so. For you to make smart choices in investing, you just need to find the answers to some essential questions.

To make smart decisions regarding your money, you must know your financial position and goals, and how much money you can afford to risk investing. The path to becoming successful in investing could be tough and the outcome will always depend on your decisions.

The very first question you need to answer is: “What is your financial position?” Let’s picture a scenario wherein you are a beginner in driving; and you want to drive from your city to another for the first time. It’s only natural to plan everything, right? It’s just similar when it comes to investing; you need to know your financial status before you begin investing in the market. You should be familiar with your assets, liabilities, and how much savings you have since they’re the indicators of your financial health and they can affect your investing plan.

Your net worth is the most important measure of your financial health; it is the difference between your total assets minus your total liabilities. You’ll have clarity about your financial status once you know your net worth. This will serve as your steering wheel as you drive to where you want to be in the future, since you can decide how much you want to be worth in the future. As a beginner in investing, make sure you have a clear answer to this simple yet effective question before you start investing money.

The second question you need to answer is: “What are your financial goals?” Identifying your net worth is just the first step, the next thing you need to do according to XXXX Blog is to make a choice about your future net worth. You can choose whether you want to maintain your current net worth or increase it. You need to set goals to make the best use of your money in order to move ahead in your investing. With this, you can achieve your dream of becoming wealthy. Most people consider a goal as a dream with a deadline. Setting goals can help you become wealthy in investing. There are also some guidelines for success with goal- setting, which include the following: your goals should be specific and measurable and you should be able to track them; your goals should be something you can accomplish and must be realistic; your goals should have a specific deadline. You shouldn’t set goals to become a millionaire in one year when you’re in debt and unemployed.

The last question you need to answer is, “What is your risk tolerance?” Investing money can become an emotional one for a lot of beginners in investing; so you need to know how much risk you can take. You should remember that there’ll be ups and downs in investing because some people only think about the upside of investing and never consider the prospect of losing all their money. A smart investor also looks at the downside risk to investing money. Make sure that you always think carefully, and in case you make the wrong assumptions, you should always have a plan to limit your losses. An entry and exit strategy is necessary before you invest your money to reduce your risk when investing.

If you’re wishing to invest in rental real estate, you should first study the area of a city. Similarly, you shouldn’t put all your money on one stock. You should set up an exit strategy for every stock you invest.

Knowing yourself includes embracing your limits and weaknesses, and refining your strengths. This also applies to investing because if you know your net worth, your goals, and how much risk you can take before you start investing, then you’re capable of becoming a smart investor.

International financial regulation commission hopes for your success in investing. Answering these three questions is not that hard, right? So, be confident and always dream big. We’re encouraging you to do further research and boost your knowledge about investing in order to be fully equipped in entering the battlefield, well, sort of.

“An investment in knowledge pays the best interest.” - Benjamin Franklin

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A Beginner’s Quick and Simple Guide to Investing

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A Beginner’s Quick and Simple Guide to Investing

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Hill & Associates Ltd Hong Kong Security Risk
Management: WHO WE ARE

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Hill & Associates Ltd Hong Kong Security Risk
Management: WHO WE ARE

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Our Team

Our strength is the breadth of our Asia-based team and depth of local knowledge. Our staff of more than 150 includes experts from around the world in fields ranging from law, accounting and banking to military, intelligence and computer forensics. All adhere to strict ethical and internal codes of conduct. Discretion, effectiveness and professionalism make our team – individually and as a unit – your trusted adviser.

Meet some of our team members.

Neil Marshall

Managing Director

Neil has more than 30 years of experience in security and business risk consulting across Asia, Africa and the Middle East. He helps corporate clients manage internal fraud matters, labour and commercial relationships, and crisis and contingency management issues, working with stakeholders and senior management to create solutions that are logical, ethical and economically sound. Clients include top-tier Fortune 500 organisations during times of exponential growth into new markets and operations.

Mike Groves

Security Risk Management

Prior to joining Hill & Associates, Mike completed a 28-year career in the Hong Kong Police Force, rising to directorate rank. During his service, Mike commanded the VIP Protection and Tactical Units, and oversaw operations at events including the Handover of Hong Kong in 1997 and meetings of the World Bank, IMF and WTO. Mike works with clients to pre-empt and address issues that impinge on business operations and reputation risk.

John Bruce

Corporate Intelligence

John Bruce runs our Corporate Intelligence service line, which encompasses business intelligence and integrity and background checks. In addition to this, he has specific responsibility for gaming related due diligence, having become involved in the gaming industry due to the burgeoning expansion in worldwide gaming that took place alongside the expansion of the worldwide web. He has considerable experience in providing independent consulting services to companies in the gaming industry on the nature of the industry in Asia.

Adelene Wee

Fraud Prevention & Integrity Risk

Adelene has worked throughout Asia and has extensive experience in the practicalities of doing business – both local and cross-border. She is responsible for managing and conducting client engagements focused on the areas of fraud, bribery and corruption, ethics, corporate governance and integrity and compliance matters. Prior to joining Hill & Associates, Adelene worked in tax and legal services in a Big Four firm and in corporate and commercial law at several international firms.

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People
prefer to shop online and in heartland malls

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People
prefer to shop online and in heartland malls

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Why battle ridiculously heavy traffic and crowded trains and elbow your way past hordes of annoying people who can’t stop blocking the escalators when you can buy the exact same things on the internet or in heartland malls?

Once upon a time, shopping in heartland malls meant wearing This Fashion clothes or being limited to the book selection at Popular.

Nowadays, new heartland malls are much more happening. There are stores like Kate Spade Saturday, Calvin Klein Jeans and Armani Exchange at Westgate, while Nex at Serangoon has a rooftop garden with, get this, a dog park, which we have to admit is freaking cool.

Even if you live in Bukit Batok or Yishun, where the neighbourhood malls still suck, you can just buy stuff online. Online shopping is often cheaper than buying stuff in malls since you don’t need to subsidise the high cost of rent, plus you can buy from retailers without Singapore outlets like Target.

You know what’s better than Pedestrian Night on Orchard Road? Not having to deal with not just cars but also other people.

Yvette, a 38-year-old lawyer, concurs. “I buy a large fraction of my things online now, from vitamin supplements to books for my kids. It’s so much more convenient as I don’t need to waste my time travelling to shopping malls. I can even get the merchants to deliver my purchases to my office.”

Don’t even get us started about the increase in parking fares. You’d be hardpressed to find a mall in the main Orchard Road area with a per-entry fee after 6pm. Instead, they’ve been replaced with time-based per entry rates. Thankfully there are still some safe havens for relatively affordable parking, which we’ve compiled here.