buying a new bigger apartment: I was born 27 August 1957

You'd better take saving as the principal thing on your financial plan for this year. Buying an apartment should cause some financial pressure, so it should be put off.
But if you have saved enough money to cover the daily expense after buying the house, you may do it anytime.

Dear Bach
Just wonder, I if I am able to have a windfall this year?
Is there one ?

When is it

Ong

Sorry I haven't see one this year.

Dear Bach
Thanks

But other than 2016, when do you think it would come ?

Warmest regards
Ong

Hi, Ong. Since there is still half of the year left, it should be quite hard to predict the next year's fortune.
Just some advise for this year: get away from risky investment, such as stocks and speculations. The chance to gain a windfall from them may be slight.

Dear Bach
thanks for advice

Then, what about my job, any increment or promotion?
Ong

Hi Bach
thanks for your reply

Any increment or promotion this year 2016 for me ?

Well, your career is predicted to go smoothily this year. If you keep working hard, the promotion is very possible. Good luck!

Dear Katrine
many thanks.

But this year, 2016 - I happen to be the only bread winner in the family.
I can feel that I am trying to make ends meet.

When will I have better times in terms of finances ?

Ong

You must feel very toilsome. Just work hard and show your boss you are good enough to get a better payment. This will definitely improve your financial condition. Don't try stocks or speculations. It is too risky.

Dear Katrine
Again, many thanks
It is always chicken and egg thing
If there is increment / promotion - there will be work load
Am I able to take it if they increase the work load?

Ong

It is always the truth that the more you work, the more you earn. If you can handle the work load, it should be a good chance.

Hi Katrine,

One of my aspirations in life is to complete a higher degree, Phd
Do you think it is good for me to do it (wonder whether it helps in my future career)?
When I got my MBA, it does not help much in terms of advancement etc...

Ong

Getting a Phd degree can definitely be good for your career. But as you said, you are the only bread winner of the family. So, you may feel more stressful doing your job and completing the study at the same time. You should really think about it.

Dear Ms Katrine Many thanks again

You said '' getting a Phd is good for my career ". I got my MBA in 2008 - It does not get me high up the corporate ladder or better advancement .

So, I need to be sure if getting a Phd is really good for me ?
And what should I do - a Phd Business Administration? (I am planning to do on line )
Last question - Am I able to complete it?
Ong

Hi Ms Katrine
no answer?

regards
ong

Hi

I m thinking whether I will do well as a property agent,
selling & buying properties since I have a licence ?

I am born on 27 August 1957

Warmest regards
Ong

Hi
Sorry if I have said something wrong. But I need answers from you

Warmest regards
Ong

Ong, the future is in your hand. It is advised you think carefully what you really what to do and go ahead from now. Never hesitate!
If you have made up your mind to be a property agent, then work hard at your position. Your effort will be paid in the end. Good luck!

Dear Broad
many thanks for your advice

Warmest regards
Ong