Money and Profit

“Secret Crush” – Facebook’s new arena of profitability

Facebook is determined to remain profitable regardless of circumstances.

Facebook have been in the news big time for issues related to internet privacy and security. Both users and government agencies want Facebook to do more to address security issues about using Facebook.

Mark Zuckerberg had been busy answering questions before US Congress.

Chris Cox, Facebook’s chief product officer, left the company.

Chris Daniels, head of messaging platform WhatsApp, left the company.

Kevin Systrom and Mike Krieger, co-founders of Instagram, left Facebook.

So now Mark Zuckerberg is the man steering the future of Facebook, and with this


Secret Crush


What has tech giant got to do with match-making?

Depends which part of the supply chain you are in.

Dating websites is one of the hottest in demand among internet and social media users. A lot of eye-balls are looking for partners through the screen. People seem more interested in long distance relationship and ignore their immediate neighbor.

And whatever is in hot pursue over the internet means one obvious thing about making money


Advertising and Marketing


Marketing agencies all over the world have concluded the future of advertising in digital communications. Mean to say fewer budgets will be allocated to prints and more for digital. The one with largest viewership gets the biggest share, and this will be an unstoppable trend.

Mark Zuckerberg’s idea of dating service is not new. Match-making have been an age-old practice but now people are going digital to find their mate.

The internet is also saturated with dating services, so why would Facebook want to do this now?


It more a strategy “to make hay while the sun shines”


Dating services is a booming industry with a new perspective in our era of social media.

Demands are growing for dating services apps which correspond to increasing demand for smart phones.

Instead of the old fashion “love letter” people now uses “messaging apps”

Emoji saved us time and typo error. Isn’t that wonderful! Making yourself look cheerful always.

The old folks may think this is “cheapskate” and “insincere” love affairs, but our new generations have different values.


Different Era Different Priorities


Social media addicts were known to be isolated and enemies of face-to-face meet up. But these hermits are coming out of their closet. People who were known to be stuck to their mobile phones want to meet real people face-to-face.

Before Facebook’s launch of “Secret Crush”, many have had their experience using WeChat and WhatsApp finding companionship. What Facebook is doing now is obviously making it “bigger” and “official” that this is part of what they do, and can do better.

“Secret Crush” with Facebook branding should make a lot more money, should.


But this may make Facebook’s privacy and security issues worst!


Dating websites have been prime targets of hackers, due to larger volume of financial and private data available and users’ vulnerability to emotional exploitation.

Not that Facebook not been targeted by hackers before but now more than ever.

Facebook will inherit all the problems ever encountered by digital dating services and with bigger load of 2.3 billion active users.

In my previous post I shared about Facebook’s real cash-cow.

Now with “Secret Crush” Facebook will attempt to enlarge her market-share of income.

High income will invoke high risk.


David Z

Money and Profit

The profitability of addiction

Strange things happening in our society

We know of product and services that’s received more than enough complaints but the company remain highly profitable and people continue to use the same product and service

How did that work out?


For example Facebook

Facebook have been on the highest receiving end of complaints worldwide but users are staying and more joining

Does that make sense?


Remember the last time you had a bad experience with any company? You would want to walk away and find another, and tell all your friends about those bad experiences in expectation they will stay away from that company as well.

But Facebook numbers of active users continue to grow.

Are you angry about it?

Facebook now have about 2.3 billion active users, the largest by volumes among all social media platform.


What is going on?

First and foremost it’s free for users.

There is no financial lost in continuing and no pressure to step away

But what draws more people in is this


Freedom to express themselves

Conveniences to express themselves


And when these expectations and demands become an addiction people becomes dependable on Facebook

There is no other media here on Earth that have given the masses such unrestricted liberty to express themselves and with such conveniences.

What will these people do without Facebook?


You don’t need an editor

Don’t need to consult publishers

Don’t even need to pay for publication space

Just post it


It’s so easy and so in demand people get hooked.


Now since Facebook is free how does it make money?

Advertising is Facebook main source of income

But advertising have been key source of income for all media platform

How did Facebook beat her competitors?


People’s addictions to Facebook

People who are addicted to the freedom to express themselves

Users who are addicted to the conveniences to express themselves


Facebook have been under a lot of scrutiny to regulate, moderate and monitor contents.

For many years Facebook have already been under pressure to check what kind of contents are allowed to be posted.

But for many years Facebook have remain resistant to restrict users activities

Facebook know what is their cash-cow


It’s not the content but people’s addiction and dependency to keep using it


Addiction to freedom of expression

Addiction to the conveniences to speak their mind as and when they like

We already know of people who are stuck to their mobile phone

It is the functionality and apps that keeping people busy

Facebook is one among many social media providers but it’s got the largest pool of users

Instagram is the next big thing but it’s now own by Facebook. Instagram may become the new Facebook.

And because Facebook operates from a democratic capitalism society it would not be a monopoly.

In free market consumers expectations and demands are well attended to and Facebook knows what users really want and created such a dependency people are hook on it.


Facebook will remain free for users so anybody can sign up without money

Facebook will not charge subscription fee so there is no need to be accountable to users for anything.

Basically Facebook is busy collecting this growing pool of users who wants free thing plus the freedom and conveniences to express themselves, as and when they like.


As population increases and more people have access to internet, Facebook users will continue to grow

Our world popular today is about 7.7 billion

Number of active internet users is about 4.4 billion

Facebook registered users toady is 2.3 billion

It is expected Facebook’s number of active user will continue to grow as everyone is looking into the direction of digital publications and social media.

Of course there will be those who will stay away from Facebook. People who are firm enough not to take that bait of free to use, free to post, as and when you like.


David Z

Money & Work

Money The Champion of Influencer

In our days of internet shopping and social media, Influencer Marketing is the next big thing. It is already popular and its going get even bigger.

Influencer Marketing have created a new breed of workforce committed to increasing their values and branding as a credible influencer.

This can be an interesting platform to allow people to develop their own potentials as according to their own pace and understanding, and within their own resource. But a lot will push themselves beyond their limits.


But end of the day the overall champion of influencer is money!


People are most motivated by money

Promises of financial gains are driving more people to become influencers and many have burnt their own pockets.

Effective Influencer Marketing is just about helping people make money, save money and spend wisely but the influencers themselves need their own profits and income.

Money management is key to being a successful influencer.


David Z

Money & Politics

Singapore Election and Money Management

Money and politic cannot be separated.

I have reasons to believe in the coming election Singapore’s ruling party People’s Action Party (PAP) might get a high score of 80%.

Singapore general election is still a matter of pragmatism.

Majority of Singaporean voters have been focusing on practical matters related to money and survival and they will continue to do so.

For the last decade, social media have influenced voters and election campaigns across the world. Singapore is no exceptions with more people voicing their opinions over free public social media. Furthermore there is no lack of opposition parties and the government is stepping in to deal with fake news.

Singapore became an independent republic from August 9, 1965. It’s been more than 50 years but more than half the population will not forget the national vision provided by pioneer leaderships –


To make Singapore a financial hub


To reach that goal you need excellent money management on the state level and the ruling party has done it. Although individual politicians have had their share of shortfalls but the party itself as one united organization have performed above average.

Singapore Budget is very well managed that it aroused the envy and jealousy of many nations! And the achievements of the state is a shared value for the citizens.

There will be social issues to be address on the individual level and interestingly it is of the same subject about money and survival.

Economic success of this nation provided the needed platform for individuals to become successful and money management remains the fundamental rule for both state and individuals.

Countries that become economic powerhouse have solid track record with money management on the state level whereas nations have failed due to bad practice.

Money management will continue to a central issue to Singapore politic and social welfare for many years to come.

If we look at politics across the world today, money and economic growth has become the linchpin of social order.

Singapore voters are educated and well-informed voters. I think the choice for finance minister Heng Swee Keat got nothing to do with race but financial performances based on cabinet decisions. Singapore need a next generation leader who is really good with numbers and PAP did the smart thing to pick someone who scored the best and end of the day it will be team-work.

Singapore’s society has become a meritocracy of finance management.

Pragmatism will help preserve and secure more votes for the PAP.

Therefore I think they (PAP) might just get a high score of 80%, ceteris paribus.


David Z

Money & Politics

China’s Plan for Gold Currency

According to this published article from Bloomberg, China is on a big gold-buying spree.

Central banks across the world do buy gold and hold them.

Gold are valued as safe haven asset and emergency reserve to be used in crisis situations when currencies come under pressure.

China likewise have been buying and holding gold reserve year on year but the accelerated pace from last year generated much attentions and news.

Money and politics cannot be separated.

The US-China trade war appears to be the most obvious link but there could be other concerns where Beijing values more important than bilateral trade with the U.S.

China wants to trade with everyone and not just the American. The Belt and Road Initiative (BRI) is Beijing ambitious plan to sell Made-in-China to everyone.

But not everybody wants to buy Made-in-China. People from inside China are weary of their own products!

International trades are still very dependable on the U.S dollars. Bankers knew that gold is not only a popular hedge against any depreciation of U.S dollars but an alternative to dependency on the “greenbacks”.

Less dependency on the U.S dollars could free Beijing from listening to Trump’s demands. This might help China solve their trade-war problem with US permanently as in once-and-for-all.

Gold-based currency could be the solution for China.

China is fast and forward thinking sometimes too fast, but if Beijing can jump ahead to a gold-based currency and ditch U.S dollars they will take advantage of that.

But that is going to take some times for now and China will drag her feet to buy time with the American. So while China is ironing out their trade problem with U.S, better stock up more gold while they can.

What China is not saying is where they are keeping and holding their gold. I don’t think China is keeping everything in one place. Wise bankers don’t put all their eggs in one basket. Observe who are good friends with China for now.

How far could a nation go with gold-based currency? Depends on the numbers of countries going into it and how fast they do so.

How much more could the U.S dollars influence bilateral trade across the world? As long as the U.S retain their No.1 spot as world economy.

As a wise choice having a good combination of gold and currency reserve is more practical and stable.


David Z

Money & Politics

Singapore’s vision of being a financial hub is paying off, and it’s going to go hyper.

Singapore’s vision of being a financial hub is paying off, and it’s going to go hyper.

According to this post from Bloomberg, what Jack Gu from Shanghai-based Platinum Analytics said is spot on –


“The efficiency of how MAS does things, that made us decide to switch our operations to Singapore,” Gu said.


The MAS (Monetary Authority of Singapore) being Singapore’s central bank and financial regulatory have been a faithful key player in making Singapore an effective financial hub.

The Singapore government overall has ensured stability and longevity of political atmosphere which is fundamental to long term economic growth.

The best option ahead is for both MAS and the government to enhance what they have achieved and make it bigger and reach further.


Since independence Singapore had faced the challenges of limited land, space and natural resources. Food imported worldwide via containers, water bought in from Malaysia through pipes, and being a farmer in Singapore is to be in the super-niche sector. Don’t be surprise farmers in Singapore are millionaire.

Now that this nation has reached the status of economic power, the next immediate obstacle is – volume.


To continue being a power house, size does matter.


Singapore with a domestic population of less than 6 million and limited natural resources does not have the critical mass to compete with the international market.


But Singapore’s survival depends on winning competition.


Therefore her foreign policies have been persistently “outward” and “welcoming” to foreign enterprises and inflow of FDI.

Now with the shift of attention to digital, her financial trades are expected to go hyper.

This is not just about encouraging people to do digital payment via smart phone apps but national infrastructures going digital base.


The advantage of going digital is to transcend time and location.


Although MAS spokesperson Benny Chey expects things to move not that fast but digital platform demands speed and more speed.


Singapore is playing a long game and the government’s efforts are unlikely to bear fruit overnight, according to MAS’s Chey. “Singapore has a good mix of real-money demand that have investment needs as well as risk-management and hedging needs,” he said. “When these demands are here and growing, the demand on FX and FX-trading volumes will rise commensurately.”


Once you are set on digital, it will drive you faster and faster.

Digital platform is something that will drives you more than you controlling it.


David Z

Money & Entertainment, Money & Investment

The best money can buy – JEWEL CHANGI AIRPORT

This is by far the best investment in our modern world

Professional auditors will understand the greatest challenges when spending money on public structures and facilities are the value returns especially in terms of dollars.

For examples, a major concern of hosting Olympic Games is the “left behind” of new buildings and structures erected by the host nation. These building cost are huge and what further uses to generate income after the game have driven auditors to headache.

It is already a known fact how many of these stadiums are left to rot.

Although Singapore Changi Airport have retain their top spot but expansion plans are risky business.

Asia is expected to exceed U.S and Europe in air travel volume but there are credible competitors from neighboring countries.

Bangkok have the largest tourist by volume.

Malaysia under the new government will want to enhance their tourism industry.

Vietnam is fast catching up.

Singapore is doing the wise thing to spend SGD $1.7 billion on the JEWEL CHANGI AIRPORT

I believe this stunning 137,000m² indoor sanctuary is smart investment due to the following reasons


  1. Live Entertainment Round the Clock

If there is any form of business which can be considered “all-rounder” catering to the need of public masses, it got to be some form of entertainment.

Entertainment attracts people and indeed this JEWEL has captured the hearts of the world. People will want to come and experience.

This will enhance the national carrier’s connectivity and strengthen Singapore Airline’s competitiveness.


  1. Pure Natural Entertainment

I have not met anyone who does not love nature

Imagine what people from urban city need to do to get in touch with nature – plan our holiday, pack our bags, hike to the park and mountains, prepared food and medication if necessary and take note bad weather can put off your adventure.

The JEWEL has simplified your quest for nature as easy as stepping into another shopping mall in the city.

For visitors arriving in Singapore its there right at the door step.


  1. D.I.Y Entertainment

Imagine being in an enclosed sanctuary saturated with varieties of gardens and a 40m waterfall – who needs to hire extras?

Presumably events companies might do more to get attention but the established atmosphere within the sanctuary itself is good enough for one to be self-satisfied.


  1. Location

The location itself offer great potential for income and profits.

Effective airport cannot do without shopping and facilities.

Singapore Changi Airport is the best due to facilities useful for travelers.

When we travel we are prepared to pay for services and the management have capitalized on that.

With a long list of renowned brands within the same location JEWEL CHANGI AIRPORT is a winner in maximizing returns when comes to spending on buildings projects.


David Z