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Lifestyle

On The Economy

Why Should YOU Care About The US Elections?

Because the orange one is awfully sus....picious........jk

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2 more comments

Frankie Rappaport
Frankie Rappaport

1h ago

Contrarian view: independent on the winner nothing will change
Shania Loh
Shania Loh

26m ago

Yes there's that possibility too, we'll just have to wait and see how the next 4 years turns out!
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Credit Cards

Lifestyle

Savings

What's better? CIMB AWSM Card or MayBank eVibes Card?
If your spending is centered more towards Dairy Farm Group (Cold Storage, Giant, Guardian, etc) and Grab transaction with a minimum of $500 per month. Between CIMB and Maybank cards, the eVibes card would be more suitable for everyday use since there are more transactions that qualify for 1% rebate (as opposed to entertainment&dining, telco and online shopping).
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Savings

Retirement

Lifestyle

Do you think there is an actual thing called oversaving? Everyone is desperately trying to save for retirement and there are a lot of movements like the 1M65 movement to name one.?
The main reason we save for retirement is to avoid the situation of a sudden drop in the standard of living upon stopping work. The unspoken and underlying objectives of retirement planning is to achieve a better balance between the standard of living during working days and in retirement. We need to learn how to save as well as how to spend. (how to earn is a separate topic) A main task of Finance Minister is annual budget; that's spending.
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Career

Lifestyle

Started school part time (2 weeks in) while working full time. I feel like I'm in it just for the paper chase...?
Hi, im going to share my point of view. I juggle work and school for 4 years with a salary range from 2300 - 2860. I work as a blue collar worker with a job that average singaporeans dont like it at all. Yes, im in the customer service which i serve guest from all walks of life. Be it good or the nasty ones. When i reach the finishing line which is graduation this year and i got certificate. The biggest pandemic occurs which is the virus. Jobless increasing, paycuts, retrencement, unemployment, bla bla bla. Do i feel sian? Definitely. I always though going back to school and upgrade myself will bring me better opportunity. But look at where am in now? Im still at my current work place. Oh well, nobody expect this virus thing to occur right? Do i regret it? No. It truely make me appreciate the small things in life and really make me a better person. Hopefully my hardwork will be rewarded one day. My advice is do what you want. You have control of your own future. If your course of interest is want you want than continue. Or not, focus your effort on other matters.
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Lifestyle

Savings

Ultimate Budget-Smart Student Guide

Survive and enjoy your student years with these tips while getting a 5.0 GPA in Personal Finance.

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10 more comments

Rachelle
Rachelle

3d ago

5.0 GPA LEGGO
Clara Ng
Clara Ng

3d ago

@rachelle loves bread too
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Lifestyle

Razer Card

Savings

Debit Cards

Shopping

In the News

Entertainment

Food & Bev (F&B)

Payments

General

Expenses

Rebates

Gaming

FinTech

Is Razer going to be our new Best Companion?

If you think that because "I am not a Gamer = Not interested, NEXT PLEASE", you might be wrong if you do that!

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Chua Wei Yi
Chua Wei Yi

22h ago

I wasn't selected for the beta, but the light-up card looks cool. Great article and welcome to opinions!!
Yeap Ming Feng
Yeap Ming Feng

13h ago

Omg! That graphic is damn nice. Enjoyed the article too!!
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Investments

Savings

CPF

Stocks Discussion

Retirement

Lifestyle

Why Are Many Singaporeans Still Poor – Despite Working Hard And Saving Diligently?

You either make money work for you, or you will work for money your whole life

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Lifestyle

Parenting

Do you really need combined income of $11,400 to raise a child?
I think you need more. The child did not ask to be brought into this world and if people decide to have children, they should be prepared to support the child financially as much as possible such that the potential of the child can be fully realized or at least maximised. Lower income families tend to produce underachieving children. This is a reality we have to accept. Of course there are always outliers but that is as good as asking people to quit their jobs and be the next bill gates.
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HDB BTO

HDB Resale

Lifestyle

Rent

As a single person with limited earnings/savings, should I BTO a 2-room flat by 35 and upgrade to a resale after the MOP, or save up and buy a resale when I'm even older?
It's a tough question. I presume you have no intention to stay in a 2-room flat in the long term? BTO is a discount, so it will definitely ease your cash/CPF. Have you checked if this discount for 2-room flats is significant (versus 2-room flats in the resale market)? Have you also checked the demand trend for 2-room resale flats? I am not sure how easy it will be for you to sell. And in another 5 years, the trend may change for the better/worse... Also, if you BTO, it will be at least another 10 years (more like 10 + number of years to BTO completion) before you move into your dream home... Still, the discount can be tempting... Last but not least, do take into account renovation/furnishing costs. Can't really imagine keeping own home empty/unfurnished for 5 years...
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FIRE Movement

Lifestyle

I am 25 male, and I am not passionate about marrying, buying home, or having kids. Should I do give up on these things and FIRE not later than 35?
You are free to do whatever you wish. You should also know that you are free to change your mind later and you just need to make adjustments to meet your new goals. Last but not least, is $800,000 really enough? Have you considered and are covered for rainy days e.g. illness?
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