Bak Kut Teh businessBak Kut Teh is a local delicacy well-loved by Singaporeans. Besides local established players, new entrants from Malaysia have also recently ventured here to get a slice of this market. Faced with increased competition, how do local businesses ensure that they not only retain their market share while looking into expansion into new markets? And what are the challenges faced by operators from Malaysia, in a different and new environment here in Singapore? Financial Planning 101：How to Eradicate Family Finances Deficit?When expenditure exceeds income, it’s called deficit. A subject we interviewed recently is the sole bread winner of his family who just found a new job. His wife is a homemaker, and they have a child in primary school. Currently, he is facing a deficit in his family finances. Besides the daily household expenses, he also has to repay credit card bills and a personal loan, resulting in a constant shortage of cash. How can he pull himself out of this dire situation?