There is a fine line between constructive criticism and destructive criticism. Criticism can eat anyone’s confidence away, and cause you to be offended, and push you into defensive mode to justify your actions. Please do not mindlessly criticize people, especially not in public. When I...

[ad] How many of you heard of this term, “Duit Kutu”? It was a really infamous concept in the earlier days, especially before the 90s. The concept is simple, assemble a group of “trustworthy” people, people you know, and then, commit to a monthly amount per month. The...