SME and home loan consultation
I compare banks and financiers for you and prepare a clean application, using what I learned in business banking.
- SME working capital and term loans
- Home loans and refinancing
Author · Ex-banker · Singapore
Before you buy anything, count it in hours.
《你的一小时，值多少？》
I'm Gary, the writer of How Many Hours Are You Worth? After years inside banks, I built one simple system for every purchase: one situation, two gates, three paths, four verdicts. It sits on the card beside this.
How I can help
我能帮你什么A simple website for your business
A clean three-page site so customers can find you on Google: home, services and contact. Set up for you, with your own domain.
- Free for my loan clients
- Mobile-friendly, one tap for customers to reach you
How Many Hours Are You Worth?
A banker's true story about where your hours really go, and how to buy them back. Plus my Mandarin podcast on money and enjoying a simple, boring life.
- Pre-order S$22.90, ships March 2027
- Read the first third free
Latest from the blog
最新博客The blog · 博客 · since 2003
Twenty years of notes on spending less and living well: money lessons from the bank, frugal habits, travel, and the small joys of a boring life. In English and 华语.
Latest podcast
最新播客My Mandarin podcast on money, work, and enjoying a simple, boring life.
My path
我的经历Engineer first, then banker, now my own boss. Each step taught me how money really moves for families and small businesses.
Still writing it all down.
- Ngee Ann PolytechnicDiploma in Civil & Environmental Engineering.
- SembcorpAssistant engineer, on a Sembcorp scholarship with a monthly allowance.
- Own handphone shopsStarted trading used phones and turned it into a business that earns.
- CitibankRetail banking. Taught me credit and direct sales, from clapping for others to champion.
- Great EasternFinancial advisor. Taught me investing, wills, and wealth and legacy planning.
- UOBBusiness Finance Manager. Learned business loans, mortgages and trade financing.
- RHBRelationship Manager, commercial banking. Learned the trade cycle and portfolio management for mid-sized companies.
- TodayA slasher: Loan advisor / Writer / Chinese teacher / Leather crafter.
Letters · 订阅
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