bosco Bosco Tan

All articles by bosco

 

You don’t need to break the budget to avoid breaking hearts on Valentine’s Day

Love it or hate it, Valentine’s Day is almost here. Some might argue it’s a fictional holiday celebrating consumerism masqueraded as love, while others see it as a day to devote to their partner. Regardless of your philosophical stance – unless your partner shares your pessimism – it’s likely February 14 will include a visit...
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The 4 haggling tips that everyone should live by

Haggling History   We’re one month into the new year and the financial stress inflicted by the holiday period is starting to fade- people are ready to get out and start buying again. You might find yourself nostalgic over that awesome purchase you made during the Christmas sale – but now that it’s over, do...
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Bitcoin and cryptocurrencies investing 101

Recently there’s been a ton of buzz and user talk focused on Bitcoin and other cryptocurrencies. Investing in Bitcoin isn’t necessarily a bad decision, but it can certainly be categorised as a risky one, so we’re going to do a quick dive into the basic 101’s of both Bitcoin and cryptocurrencies generally as well the...
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Save money at the supermarket

Saving money is not an easy task, and we all know that. However, saving it doesn’t necessarily always need to be complex, in fact, small changes in day-to-day savings can make a big difference in the long run. According to a recent study, households Australian are spending around $163 at the checkout every week. And...
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Pocketbook’s supercharged categorisation finds Deliveroo, UberEATS and Foodora pedalling their way into Australian hearts (and mouths)

Since Deliveroo launched in Australia in November 2015, new-generation delivery apps like UberEATS and Foodora have joined the aforementioned in taking the nation by storm. The apps have been so successful, that their penetration has surged by nearly 900% in just 18 months and have changed the way we eat in unprecedented ways. For the uninitiated,...
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Valentine’s Day Spending Data Surprises

Valentine’s Day remains a source of controversy and tension for many people.  Some complain it’s a “Hallmark” holiday that tries to commercialise love by forcing people to shop.  In recent years, resistance has grown, so much so, that media outlets have speculated that Valentine’s Day might be dying. At Pocketbook, we let the numbers be...
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Plan To Join A Gym In 2017? Read This First.

How often do you hear people say they’re finally going to get in shape in the New Year?  It’s a great goal, but you can be excused for doubting whether the person is actually going to see this resolution through. We’ve all been there, and we’re skeptical, too.  So this year, we decided to see whether...
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Is your bank reducing interest rates this August?

In May, your bank passed on the RBA rate drop when the cash rate dropped to a record low 1.75%. A few days ago, the RBA has announced that there would be a further 0.25% reduction to the cash rate, taking it to a staggeringly low 1.5%. While most banks passed the May rate cut...
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When is your bank dropping your interest rate?

The recent interest rate drop from the RBA came as surprise to many experts. Since then, all major banks have announced that they are passing on the rate cut either in part or in full. The majority of the banks are dropping rates around 0.19% to 0.25%. With ANZ having the lowest rate drop of...
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10 ways to make the most out of Pocketbook

It’s 2016. If you are like most people, the new year brings a few resolutions for your finances – making more, saving for something big, or just generally wanting to get a little “better”. Our mission at Pocketbook is to make the process of getting better with your finances easy. So to start the year, I...
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Netflix is the new king of Australian TV subscriptions for digital natives

EDIT: We have adjusted our claims that Netflix is the leading subscription service today compared to Foxtel upon learning that business customers contribute to only 1% of their 2.8m customer base. We believe it is unlikely that Netflix has already achieved a total user base of 2m+ in Australia. However, given the nature of our sample, we believe our...
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The Rise and Rise of Uber in Australia

Uber launched in Australia 2 years ago, in October 2012. If you haven’t heard of it, here’s a quick recap. Uber is a car ride-sharing service backed by Google – it allows you use its app to catch a ride from one of its drivers. Just about anyone with a car can be a driver...
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Lipstick showdown in Sydney – the impending rise of Sephora

Sephora is one the world’s largest cosmetic retail chains. With almost 2,000 stores in 29 countries, the French company is part of the Louis Vuitton luxury goods group and has annual revenues of €1.94 billion. And now for it’s next global expansion it has set its sights on Australia. The company opened its first Australian...
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Choosing a Super Fund: Here’s The Data – An Analysis of The Superannuation Industry

EDITOR’S NOTE: If you don’t read any further, apply these rules of thumb we found by looking at 10 years of super performance: Go with a fund that pays low fees, high fees is statistically correlated with worse performance. Go with an industry fund, as more industry funds have historically outperformed retail funds. And the fund...
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How The iPhone 6 May Not Have Broken Sales Records in Australia

Shortly after the launch of iPhone 6, Apple announced they had sold a record, 10 million units over the weekend. Of course, that number represents not just Australian sales but global sales. In the wake of the October 16th launch of the new iPads, we were curious to see the effect of Apple launches on the...
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Does The Opal Card Actually Save You Money?

Over the past few months, we have conducted a number of consumer investigations to help you save money without changing your lifestyle. Our Netflix and IKEA stories have been so well received that we’re continuing our series of investigations. Playing our role as the Mythbusters to your finances. With the roll-out of the new Sydney transit card,...
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Stock Trading: An Introductory Guide

Investing and trading are two very different ways of approaching financial markets. The goal of investing is to gradually build wealth over time through the buying and holding of stocks, bonds, and mutual funds. Investments are often held for a period of years, or even decades, taking advantage of perks like interest, dividends, and stock...
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Value Investing: An Introductory Guide

Value investing is the practice of selecting stocks that trade for less than their intrinsic value. The idea is that these stocks are undervalued in the current market but will become more valuable in the future. The result is an opportunity for value investors to profit by buying when the price is deflated. As opposed...
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How The Government Uses Data To Influence You [A Case Study]

Humor me with this: A bat and a ball cost $1.10 in total. The bat costs $1.00 more than the ball. How much does the ball cost? If you answered, $0.10, you’d be surprised to find that it’s wrong. Seriously, do the (simple) math. The reality is that a majority of people get that question wrong....
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How Netflix Is Doing In Australia: 2 Stats That Should Scare Foxtel and Quickflix

Netflix is rumoured to enter Australia early next year (that was later confirmed), but that doesn’t stop a few enterprising Australians from accessing it now. Actually, it’s more than a few. The article we linked to said up to 200,000 Australians signed up with the service. There are also many anecdotes about the popularity of Netflix...
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How much does IKEA *really* overcharge Australians? Here's the data.

There’s no shortage of coverage about how Australians pay more for the exact same product compared to their US counterparts. We know, for example, that tech giants (like Apple and Microsoft) overcharge Australians for hardware. We also pay more for downloads. And if you look outside of tech, Australians pay more than Americans for just about anything...
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Announcing The Pocketbook-Zookal Scholarship Winner

4 months ago, to the date, we launched the first Pocketbook scholarship for student entrepreneurs in partnership with our friends, Zookal. Since then, we received an overwhelming amount of response – 53 essays flood my inbox in the first week of launch and an additional 51 stream in in the next few weeks, bringing the total...
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Why doing taxes on time can save you tonnes of money

There are few perpetual truths in the known universe. Sun rises in the east and sets in the west, the price of a carton of milk will always go up, the music of The Wiggles hypnotizes kids. You may have also heard about death and taxes. While there’s the certainty of paying taxes, the process...
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How I Find Remote Online Jobs To Enable Me To Travel Long Term (And Make a Side Income)

In this second installment of the series, “How I Travel Long Term on a Budget (Without Backpacking),” I want to delve a little deeper into the first way to make your working holiday come together: the Internet. Most people don’t realize the variety of online jobs available these days. There are heaps. And the demand...
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How I Hustled and Survived Startup Weekend Without Enough Money, a Place To Stay and Transport Back Home

Editor’s Note: When you want something bad enough, you do whatever it takes to make it happen. Ivan didn’t have enough money, no place to stay and no plan for the journey back home from Jacksonville to Gainesville and yet he didn’t let that stop him. He went ahead on a one way trip –...
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How To Find Your Talent

Editor’s Note: “I don’t know what I’m good at.” or “I have no talent!” Ever thought of that? I know I have. In this essay, Max shares his experience of how he found (or rather pushed to try) what he’s good at – that eventually became his passion. ——————- Some five years ago I found...
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How Student, Anthony Ryan, Made His First $5000 (And The Mindset That Made That Possible)

Editor’s Note: Ask any successful entrepreneur what’s their secret and they’ll tell you one thing: mindset. In fact, hustling isn’t so much a set of steps as much as a mindset. In this illuminating story, Anthony Ryan shares how he salvaged his first startup to make $5000 and start another. But more importantly, he shared...
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How George Runs a DJ Business and a Podcast While Studying For a Degree

Editor’s Note: What do you do when you really, really, want something, and people doubt you for it? You do it anyway. This story tells of how George’s classmates jeered his music, how he pushed through anyway, and is now DJing for parties, clubs, weddings and corporate events (in addition to running a podcast, I might...
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How Julian Fagan Made His First Sale and Is Building a Business To Help Fellow HSC Students

Editor’s Note: Sometimes ignorance really is bliss. Not knowing something is near impossible to do, allows you to do it anyway, and that action allows you at some chance of success while others, by definition, didn’t even enter the game. That’s the story of Julian Fagan, who at the young age of 19, borrowed $6000...
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Always Be Investing In Yourself: Single Parent Denise Juggles Two Kids, a Full-Time Job and Still Decides To Study For a Degree

Editor’s Note: The best investment you can make is an investment in your education (in real life or in college). But every time we write about this, we inevitably get a handful of knock backs, “That’s easy for you! I just don’t have the time! I am busy with _______!” In this essay, Denise writes...
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How Brodie Started a Web Development Business On The Side, While Still A Uni Student

Editor’s Note: We are fans of the Side Gig here in Pocketbook – something we’ll explore further into in future posts. A side gig is something you do on the side – either to make more money, or because it’s your passion. Sometimes it’s a second job. Sometimes it’s a business. What would you do...
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How a Single Mum Went Hustled Her Way From Poverty To a Million Dollar Business

Editor’s Note: This is one of my favourite stories. From being unaware that selling spirits without a license is illegal – we’ve all done that 🙂 – to the tactics she used to drum up business for her second startup. They show her drive to succeed. Her ability to see connections where others see none....
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How a Stay-At-Home Mum Transform Herself To Work Online (And Live Her Dream)

Editor’s Note: I’ve always wanted to live in a farm (still working on it). The huge green field, the birds chirping coupled with clear blue sky and the lack of noise – what could be better? But there’s one problem: the commute. My plan is to continue working on the train, but Wendy has a...
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How Katie Overcomes Her Learning Disorder To Graduate Near The Top of Her Class

Editor’s Note: Before joining Pocketbook, I worked in various digital marketing capacities and often consult with clients. I would inevitably talk about “hustling” but what I almost always get in reply is, “Can’t you just give me a step-by-step instruction?” Hustling is not a set of instructions. That would be too easy. Hustling is a...
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Stina Thought She Was Like Everyone Else – Until She Started Hustling

Editor’s Note:Stina Marshall was on track to help the world, just like “every other person in history,” until life threw a curveball her way. Now she’s on a different path- her own path- to make the world a better place. ——— At 18 years old I started working retail and attending college- like every other...
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How Pita Learned the Hard Way to "JFDI"

Editor’s Note:: The basic definition of hustling is easy enough to grasp. You may even hear it and think, “That’s me, right there.” But like most things, hustling is different in theory from how it is in practice. In this essay, Pita, a law student at James Cook University, reflects on the difference between knowing...
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How Megan Found Herself Lost in the Right Direction

Editor’s Note: Some of the most successful businesses begin with questions, not answers. Their leaders aren’t afraid to ask those questions and dive into action without knowing the full answers. Here, Megan shares a story of fearlessness and determination that signifies the mark of a true hustler. ——– I see the experience of life in...
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How Michael Took The Non-Traditional Route, Founded a Startup, Failed and Pushing On

Editor’s Note: Reading this story reminds me a little of myself. I was never engaged in class back when I was in university. I was more interested in business – I read books, attended seminars, I tried a bunch of stuff (and made decent coin), joined a digital marketing agency and finally started my own...
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How Chris, a Busker-Turned-Hustler, Taught Himself About Motivation

Editor’s Note: Everyone tells us to be motivated, but no one tells us how. In this essay, Chris shares the story of how he learned to stay focused and succeed by taking a small peek inward and then putting himself out there. ———– Hustling is a word that is thrown around a lot these days. With...
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Nkosana Mafico Is Starting His Third Business At Nineteen

Editor’s Note: Hustlers inspire us not because they have better ideas, but because they have more initiative. When Nkosana was just fourteen, he saw an opportunity and grabbed ahold. Since then, his entrepreneurial spirit hasn’t flagged once. Read his inspiring story below. ——— I am a young man driven by a desire to support the advancement...
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How Christiana Hustled Her Way Into School Leadership

Editor’s Note: One crucial characteristic of good hustlers is resilience. All of us face resistance at some point in our lives, and those of us who know how to bounce back are the ones who succeed in the end. In this essay, Christiana tells us the story of how she got what she wanted by first...
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How Lisa Took Control of a Bad Interview And Got the Job She Wanted

Editor’s note:Who says there aren’t second chances? There are as many chances for us as we create. In this inspiring essay, Lisa shows us that first impressions don’t have to make or break our dreams. ——— I have a knack for getting part time jobs, which, as a student in a family with three kids,...
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Liz Is Looking To Change How Australians Treat Autism

Editor’s Note: One of my favourite quotes of all time is one by Mark Twain, who said, “Whenever you find yourself on the side of the majority, it is time to pause and reflect.” Of course it’s not easy not to be on the side of the majority. People vilify you for it. But if...
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How Steve Used Hustling, Not His Disability, To Define His Life

Editor’s Note:Just as we each have our own reasons for giving up, taking the easy route, and dwelling on our failures, we have individual reasons for sticking with it, relishing a challenge, and practicing resilience. Steve’s story illustrates just how personal these choices can be, and the kind of difference they can make in your...
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Shahed Has the Entreprenuerial Bug, and It's Paying Off

Editor’s Note: Hustling is about being resilient and bouncing back from failure. It’s about being honest with oneself and acknowledging what one could have done better. Shahed knows what it’s like to put all your effort into something that doesn’t work out, but he’s not afraid to dust himself off and try it all over...
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Rachel Wants to Provide Young Girls With the Skills to Hustle Their Finances

Editor’s Note: Rachel is nothing if not resourceful. When it comes to doing something the cheapest way possible, she is an expert strategist, relying on her talents and strengths alone. But she recognizes that not all young women are as motivated and fortunate as she is, so she’s ready to give back. One of the...
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Computer Wiz Guy Barrington Is Making An App To Sell To His Teachers

Editor’s Note: I’ve always regretted not studying computer science in school when I had the chance. It’s stories like Guy’s that remind me just how valuable IT chops are becoming. The thing is, I’d only be in it for the money. But Guy here, he’s in it for the thrill. This is what happens when...
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Venture After Venture, Brian Embraces the Challenges

Editor’s Note: It’s a great moment-worth all the sweat and tears-when you can finally call yourself an entrepreneur. But in Brian Sack’s case, he was an entrepreneur long before he realized it. Having that grit and determination from an early age is a great gift. Here’s what Brian did with his. ——– Being an entrepreneur...
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Goaner Tutlam Owns His Talent As Law Student, DJ, and Beauty Judge

Editor’s Note: Goaner’s story is one of fearless opportunity-seeking and fundamental self-respect. Despite poor socioeconomic conditions and with little time to spare for personal endeavors, Goaner managed to make his mark on an international level. Now he wants to give back to the country that helped him succeed- but he won’t be answering to anyone...
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Faith Wild Travels To 22 Countries In 4 Years Before She Turned 20

Editor’s Note:Some people have always wanted to travel the world. Others come to see more slowly-or, in Faith’s case, more abruptly-what the world has to offer. Either way, it’s not easy to realize such a big dream. But this girl doesn’t take “no”-or should we say “can’t”-for an answer. ——- There is really no such...
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