Don't do it, it's just a hope. Don't buy on expectation

It really depends, and very much so on the nature of work and personal preferences tbh. For me, I miss the office banters and the frequent impromptu discussions/brainstorm sessions where people just bounce off ideas and give constructive critics on each other's work.

Gloves will still be needed as vaccine will take time to manufacture. Having said that, you also got to consider how fast the company can resume operations. Would it be down for a long time? No one knows

Home buyers need to be prudent at this time, especially with regard to upgrading. As always, they should adhere to guidelines like a property costing no more than five times their annual combined income, with costs (including home loan repayment) at no more than 30 per cent of combined monthly income. They should not presume that home prices will be lower just because it's Covid-19 (in fact home prices have been on an uptrend). If you're buying a flat, today you can set aside up to $20,000 in your CPF insted of using all of it. In light of the Covid-19 downturn, it's a good idea to set aside at least six months of the home loan repayment in your OA, if you don't want to set aside all $20,000. That's to keep your loan serviced in the event of retrenchement, etc. The one advantage on the side of home buyers is that home loan interest rates are low; it should be possible to get it at around 1.3 per cent right now.

Hi anon, This boils down to your value of a mile. If you value a mile at anything more than 1.93cpm (cents per mile), then paying the fee makes sense as you get miles for cheaper than your valuation. Pesonally, I think the threshold has dropped to 1.8 or 1.9cpm for many people, but I feel that paying 1.926cpm for something I value at 1.9cpm is still not too bad.

The stock market is forward looking. It will price in few month ahead.

Having the thought of side hustle is good👍. job will never secure. A job , just like investment, is just a tool for you to achieve financial freedom, that is the main goal. I am a believer of multiple income sources. Expert always tell us diversify our investment to mitigate risk. But nobody tell us to diversify our income source. Think about it🤔 Side hustle no need to be complicated. Most important can fit ur work schedule. My formula: Wealth= saving + income + investment It really doesnt matter wat u do as long it bring in income. A few hundred a month here and there make alot of different. Is better than sitting at home watching TV.

I have not tried the actual booths, but back in my old office's booths, I felt warm from my own body heat after a while ):

If healthcare depends on tourist dollars, it is unlikely to be so. For shopping malls, if locals are main bulk, they might not really be affected. Underlying business models tells you a true picture.

Economy is not good right now, people are getting sacked, pay cut. salary freeze isn't that bad after you compare with others.