Hi Anon, there is no better (right or wrong) option since it pretty much boils down to a personal choice. We can look at how both would differ though! Purchasing a real estate property: Higher initial capital, as Andy has mentioned as well, more to be done due to BSD, professional fees etc. Real estate also requires a lot of research and is not something you can enter headfirst and expect immediate results. Besides appreciating in value overtime/yearly, I like that you can yield from rental appreciation benefits too as you get to charge more rent with inflation. Investing in stocks: Lower upfront capital but subjected to risks such as economy, inflationary and market. A more risky investment in that sense! Stocks are however, more liquid and can be easily bought and sold, a higher possibility of you relying on them for emergencies. If you were to ask for my personal opinion, I would go for a condo if I have substantial capital for it since I prefer the idea of a 'tangible' investment and feel that it is easier to mitigate or control matters related to real estate (tenant queries, renovations). To me, it 'holds its fort better' as compared to stocks with volatile market changes, all of which will not be within one's control. I would encourage you to do thorough research before going ahead with either option though, all the best! :)

If we are talking about a plan insuring your health/life, these premiums required to pay for the element of 'insurance' is a liability to me. Getting a payout from them would not really be considered an asset as well since the payouts merely mitigate the hefty medical fees. On the other hand, for endowments like savings, you could probably peg them as a liability (premiums once again) until maturity. Interesting question by the way :)

Casey Neistat's Emirates First Class experience (on his Youtube channel) seemed to have taken the spot like a cherry on top for me.

The education industry might be one of them as well considering how in a state of downturn, people constantly look for means and ways to stay relevant. Additionally, our state also supports this industry with its constant advocacy for young learners and in the case for adults, a continuous learning process.

Ask for the waiver after it has been charged, many credit card companies these days utilise an automated system to request for waiver so it has to be charged first theoretically speaking. To prevent myself from forgetting when to make my credit cards monthly due fees and end up having to pay late fees, I always opt for the giro option, saves me the hassle of having to remember when to always pay for my bills!

Was never a firm believer of such concepts because they seemed too cumbersome at first. However, they have this feature now where you can merely add on a Shopback plug-in to your browser. Whenever you visit a website with the availability of a cashback, merely click on the button to activate your cashback. Seems pretty nifty to me!

Below S$400: Standard Chartere's unlimited cashback card

You could check out the University of Colarado's free course for starters https://www.coursera.org/learn/business-intelligence-tools#

Protect your health, accumulate your wealth! They work so differently like a paradox but comes full circle when you talk about life in essence. Studies have shown that a person in better health experiences greater feelings of well-being, including feeling more fiancially secure. Now, I think that's something probably money can't always buy.

Write in or call in to check with them, you never know until you try! On another note, consider generating other forms of income through other sources as well if possible, all the best.