Find out how to discern the hallmarks of employers who do well. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Host and ST correspondent Tay Hong Yi chats with Mr Richard Cooper, business leader for benefits for Mercer Marsh Benefits in Singapore. Mr Cooper advises organisations on how to design healthcare benefits, insurance, flexi-benefits and related processes. The ability to take leave from work for medical and personal reasons is a cornerstone of modern work. However, it might not always be clear what a good benefits policy looks like, and when an employer is actually stingy or overbearing with what they require staff to do. Do you have such experiences? Highlights (click/tap above): 3:00 How job requirements shape benefits policies 4:51 What are best practices employers adopt? 9:58 What does overreach look like? 13:42 Are employees obliged to plan their leave periods around work? 16:47 Should we expect enough employers to keep reserve capacity? 23:22 Why can Nordic countries afford extensive leave? Read Tay Hong Yi's articles: https://str.sg/w6cz Follow Tay Hong Yi on LinkedIn: https://str.sg/AAxy Host: Tay Hong Yi (hytay@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & Joanna Seow Follow Headstart On Record Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 Feedback to: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl SPH Awedio app: https://www.awedio.sg --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts The Usual Place Podcast YouTube: https://str.sg/4Vwsa --- Get The Straits Times app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #headstartSee omnystudio.com/listener for privacy information.

Investing should not be about timing the market, but growing money over the long term. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Day trading is exciting - all the watching of stock movements and trying to buy low, sell high.  But experts often say, hold for the long term, and use the benefit of compounding.  What does that mean? How long exactly is the long haul and what does holding for the long term mean?  In this episode, ST business correspondent Sue-Ann Tan looks at investing for the long-term future, rather than the here and now.  Her guests are Group Head, Deposit and Wealth Management, UOB Gidon Jerome Kessel and Leong Ji Keet, a financial blogger at SG Money Guide. Highlights (click/tap above): 3:00: What does investing for the long term mean? 6:23 Which assets should I buy for long-term investing? 8:00 How long is a long-term investment? 14:45 Long-term strategies vs day trading 15:49 Are high-yield bank accounts investments? 19:00 Investing for retirement Read Sue-Ann Tan's articles: https://str.sg/mvSa Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X Host: Sue-Ann Tan (suetan@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & Joanna Seow Follow Headstart On Record Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 Feedback to: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl SPH Awedio app: https://www.awedio.sg --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts The Usual Place Podcast YouTube: https://str.sg/4Vwsa --- Get The Straits Times app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #headstartSee omnystudio.com/listener for privacy information.

Why this sector also has back-of-house roles that call for talents from all walks of life. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Find out why job seekers should not just think of front-facing guest roles in this sector, as host and ST correspondent Tay Hong Yi chats with Ms Adeline Phua, managing lyf partner and vice-president for business development at Ascott, the lodging business of CapitaLand Investment. You may have come across lyf (pronounced life) properties, that are creatively designed. It is known for its appeal to young travellers and inventive activities for guests. Ms Phua argues why hospitality is something Singaporeans should look deeper into, beyond just traditional or stereotypical job roles associated with the sector. Do you have to be an extrovert to work in hospitality? No. Not everyone has to be interacting with guests on the frontline, with a surfeit of meaningful roles behind the scenes in areas including facilities management, designing and sustainability. Highlights (click/tap above): 3:23 Kombucha-brewing classes, world record attempts and other memorable guest activities  6:10 Hospitality roles in SG: Is there room to improvise?  13:23 The range of roles and skills needed at a company like lyf  16:54 Wanted: Ex-kindergarten teachers, ex-zoo professionals, illustrators, content creators? 20:49 How’s the sector holding up in this current economy? Read Tay Hong Yi's articles: https://str.sg/w6cz Follow Tay Hong Yi on LinkedIn: https://str.sg/AAxy Host: Tay Hong Yi (hytay@sph.com.sg) Produced & edited by: Amirul Karim & Natasha Liew Executive producers: Ernest Luis, Lynda Hong & Joanna Seow Follow Headstart On Record Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 Feedback to: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl SPH Awedio app: https://www.awedio.sg --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts The Usual Place Podcast YouTube: https://str.sg/4Vwsa --- Get The Straits Times app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #headstartSee omnystudio.com/listener for privacy information.

Working a full-time job but having a side-hustle is gaining traction among young people or students. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Side hustles are becoming more common, with people opening weekend cafes, selling coffee or doing other jobs besides their full-time work.  But are side hustles for everyone? Will it become necessary as people try to get extra income and find fulfilment outside their day jobs? And what do you need to look out for before starting a side hustle?  In this episode, ST business correspondent Sue-Ann Tan looks at the art of the side hustle and how to start one.  Her guests are Tris Su, owner of weekend matcha business Tofu Tofu, and Juliet Tan, founder of human resources consultancy firm Emplifi.  Highlights (click/tap above): 3:14: How does a home-based matcha maker run her side hustle?  4:17 What counts as a side hustle?   5:55 Juggling the side hustle with her full-time job 7:53 What to do before starting a side hustle  14:15 The trend of side hustling and why start one?  24:00 Can I start a side hustle now? Read Sue-Ann Tan's articles: https://str.sg/mvSa Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X Host: Sue-Ann Tan (suetan@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & Joanna Seow Follow Headstart On Record Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 Feedback to: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl SPH Awedio app: https://www.awedio.sg --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts The Usual Place Podcast YouTube: https://str.sg/4Vwsa --- Get The Straits Times app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #headstartSee omnystudio.com/listener for privacy information.

We put off work because work, for some reason, puts us off. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Procrastination: The frustratingly human tendency to postpone work we can and should get started on earlier. It may seem tempting to berate ourselves for being lazy, unmotivated or disorganised. Instead, procrastination is actually our brains trying to shield us from uncomfortable feelings, putting a hidden toll on ourselves. In this episode, host and ST correspondent Tay Hong Yi hosts an expert on the psychology of people who work together in groups. She shares with us what research tells us about procrastination and other quirks of our mind that permeate our work and daily life. She also goes into the “dark things” she relishes researching, such as why people are cynical at work, and the fallout from narcissist leaders. The guest is: Dr Ruchi Sinha, organisational psychologist and associate professor (practice) at Nanyang Business School, Nanyang Technological University  Highlights (click/tap above): 2:00 What is procrastination and what type of procrastinator are you? 11:06 What are some strategies to help you manage procrastination? 14:07 Procrastination is about misplaced priorities too 16:22 Is it any easier for Dr Sinha to beat procrastination, as an expert? 17:05 The “pretty dark stuff” Dr Sinha studies, such as narcissism at workplaces 23:04 How does Dr Sinha translate research in her field to real life? Read more about procrastination here: https://str.sg/C9QS Read Tay Hong Yi's articles: https://str.sg/w6cz Follow Tay Hong Yi on LinkedIn: https://str.sg/AAxy Host: Tay Hong Yi (hytay@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & Joanna Seow Follow Headstart On Record Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 Feedback to: podcast@sph.com.sg SPH Awedio app: https://www.awedio.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts The Usual Place Podcast YouTube: https://str.sg/4Vwsa --- Get The Straits Times app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #headstartSee omnystudio.com/listener for privacy information.

Hospitalisation and critical illness insurance are vital, but beware of being upsold or paying too much for premiums. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. What do young people need to know when buying their first insurance package? Insurance is an essential part of “adulting”, but it can be daunting when choosing from a wide range of products on a tight budget.  Some can also find that insurance agents pressure them into buying products that they are not certain they need.  In this episode, ST business correspondent Sue-Ann Tan looks at what you need to know before buying insurance.  Her guests are NTU undergraduate Megan Wee and DBS bank Singapore head of bancassurance Loh Wanyun.  1:40: What are the different types of insurance? 9:00 Corporate vs personal insurance 11:00 How much should I spend on insurance?  13:25 How to deal with pushy agents 15:50 How much insurance is enough to cover me?  18:05 What are investment-linked policies?   21:00 Where should I buy insurance from?   Read Sue-Ann Tan's articles: https://str.sg/mvSa Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X Host: Sue-Ann Tan (suetan@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & Joanna Seow Follow Headstart On Record Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 Feedback to: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl SPH Awedio app: https://www.awedio.sg --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts The Usual Place Podcast YouTube: https://str.sg/4Vwsa --- Get The Straits Times app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #headstartSee omnystudio.com/listener for privacy information.

Listen to our news commentary podcasts on the go every week. Podcasts have become part of the global media landscape these days. The audio-on-demand format allows many listeners to often do other chores or hobbies, while hearing the shows in the background over headphones or bluetooth speakers Almost every weekday, check out our discussions on Singapore current affairs and social issues, geopolitics through an Asian lens, health, climate change, personal finance and career. Follow our shows on your favourite audio apps Apple Podcasts, Spotify or even ST’s app, which has a dedicated podcast player section. Trailer narrated by: Podcast editor Ernest Luis (ernest@sph.com.sg); edited by: Elsa Goh --- Discover more ST podcast channels: 'All-in-one' ST Podcasts channel: https://str.sg/wvz7 The Usual Place: https://str.sg/wEr7u Asian Insider: https://str.sg/JWa7 Headstart On Record: https://str.sg/wB2m Green Pulse: https://str.sg/JWaf Health Check: https://str.sg/JWaN In Your Opinion: https://str.sg/w7Qt Wheel Insights: https://str.sg/iTtE ST Podcasts website: https://www.straitstimes.com/st-podcasts (*New) The Usual Place Podcast YouTube: https://str.sg/theusualplacepodcast Feedback to: podcast@sph.com.sg SPH Awedio app: https://www.awedio.sg --- Special edition series: Green Trails (4 eps): https://str.sg/bMyx This series clinched the gold award for Best Podcast at the Digital Media Awards Asia 2025 on April 23, organised by the World Association of News Publishers (Wan-Ifra). True Crimes Of Asia (6 eps): https://str.sg/i44T This series clinched the gold award for Best Podcast at the Digital Media Awards Asia 2024 in April, and third place for Best Podcast at the Digital Media Awards Worldwide 2024, both organised by Wan-Ifra. The Unsolved Mysteries of South-east Asia (5 eps): https://str.sg/wuZ2 This series also won The Best Podcast/Digital Audio Project category at the 2022 Digital Media Awards Asia, organised by Wan-Ifra. Music Lab: https://str.sg/w9TX --- Get The Straits Times' app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX #stpodcasttrSee omnystudio.com/listener for privacy information.

Find out how developing crucial career skills can help you triumph over times of turmoil. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Developing a vibrant, resilient career in this age will require consistent effort to make deeper and more frequent changes.  Mastering what we do in the here and now, does not suffice. Instead, we need to cast an eye towards what our jobs may become and even consider entirely new ones. In the third ST Podcast Live session recorded on June 3 at swish nightspot Rasa at Republic Plaza, we touch on what it takes to thrive at each stage of our careers, against a backdrop of economic upheaval. This special episode of Headstart On Record is in partnership with Workforce Singapore, in support of Career Health, a SkillsFuture initiative. We speak to a young engineer - Mr Noel Png - who did not let poor school grades deter him from an engineering career that took him to Britain and back home, where he also contributed to putting a satellite in space. He is now a telecommunications system engineer at ST Engineering. Oh, he's also met Elon Musk. He shares about his unorthodox approach to networking, how he found mentors who helped him find his direction in life and his thought process to take uncertainty in his stride. Joining him with host and ST correspondent Tay Hong Yi is veteran senior career coach Parameswari Seenivasan. A trained counsellor with over 15 years’ of experience from Workforce Singapore, she has helped over 2,000 clients in her work. She helps us draw principles and good practices from Mr Png's career experiences. The ongoing series of ST Podcast Live sessions are being held to celebrate 180 years of The Straits Times in 2025, with three more events planned for the rest of the year. Highlights (click/tap above): 3:13 How a chance encounter led Noel to work in the space industry 5:41 Taking stock of your strengths and values 10:37 How career coaching can help you gain clarity on next moves 16:43 The broader range of options you can explore 18:58 Making sure each transition builds on the next 24:38 Parames’ and Noel’s proudest moments in their careers  Find out more from WSG about Career Health SG: https://str.sg/H8Ko More about WSG: https://www.wsg.gov.sg/ Read how the live podcast went down: https://str.sg/uJ4C Read Tay Hong Yi's articles: https://str.sg/w6cz Follow Tay Hong Yi on LinkedIn: https://str.sg/AAxy Host: Tay Hong Yi (hytay@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & Joanna Seow Follow Headstart On Record Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 Feedback to: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts The Usual Place Podcast YouTube: https://str.sg/4Vwsa --- Get The Straits Times app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #headstartSee omnystudio.com/listener for privacy information.

Gaining exposure, cultural conflictions and intergenerational discussions are all part of the road to inheriting a family business. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. Family businesses have been in the spotlight, after the CDL saga that saw father and son in a tussle for control over one of Singapore’s largest companies.  But whether it is about inheriting family businesses or family wealth, the process is not a straightforward one.  Banks and financial organisations prepare young people to take over family wealth, through programmes and even boot camps.  So how does wealth planning work, and how do youths take over their family businesses?  In this episode, ST business correspondent Sue-Ann Tan looks at what wealthy kids do to prepare to inherit wealth and companies.  Her guests are Darren Hui, who will one day lead his family’s property management business, and former national athlete Kendrick Lee who co-founded Raffles Family Office.   Highlights (click/tap above):  5:35 What is family legacy planning and governance? 7:30 The challenges the next generation faces 9:00 Generational differences between father and son 10:49 What difficulties has the family office seen in dealing with multiple generations? 18:02 When did you first realise you were going to inherit the business? 21:00 Will Kendrick let his children take over the business?  22:36 Going from national athlete to family office  Read Sue-Ann Tan's articles: https://str.sg/mvSa Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X Host: Sue-Ann Tan (suetan@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & Joanna Seow Follow Headstart On Record Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 Feedback to: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl --- Follow more podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- Get The Straits Times' app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #headstartSee omnystudio.com/listener for privacy information.

An entrepreneur shares his hard-earned lessons on working with one’s hands. Synopsis: Every first and third Monday of the month, get a headstart in your personal finance and career with The Straits Times. For much of human history, manual work and the skilled trades have been the default way to earn your keep. Even in a small, advanced economy such as Singapore, there remains a need for this work to be done, that requires a mix of hard graft and mindfulness. To piece together how to be successful in the trades, ST correspondent Tay Hong Yi speaks with his guest, an entrepreneur who slogged to build businesses across landscaping, hospitality and outdoor education. His guest is: Mr Clarence Chua, co-founder of The Sundowner Nature Experience Centre Highlights (click/tap above): 1:53 Did Clarence always know he would be working a skilled trade? 10:07 What is the most satisfying part of Clarence’s job? 11:18 Tips for those hoping to pursue a skilled trade 21:06 Dealing with parental disapproval Read about Mr Chua’s work here: https://str.sg/iiCi Read Tay Hong Yi's articles: https://str.sg/w6cz Follow Tay Hong Yi on LinkedIn: https://str.sg/AAxy Host: Tay Hong Yi (hytay@sph.com.sg) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & Joanna Seow Follow Headstart On Record Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 Feedback to: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl --- Follow more podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 ST Podcast website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- Get The Straits Times' app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #headstartSee omnystudio.com/listener for privacy information.