DBS has one of the best rates, less than 2%. Go google DBS refinance.

Money is currency used to facilitate exchange of goods and services. Imagine last people use to trade 4 carrots for a fish for example. Money just makes trade easier. Money will unlikely be worthless in the future. Because of the power involved. Why would Central Banks want to give up the power and control they have over controlling the currency flow? They will see to it that it do not happen.

No one knows. 2 years ago I thought recession will come it 2020. Now I feel bad for the lost oppotunities. So I started buying some stocks recently. I sold some too. I do have some more capital for buying shares if the recession comes though. Percentage wise. 40% in stocks. 30% in OCBC 365. 30% in SSBs currently. So up to 60% can be used to invest if recession comes. Previously it was 25% in stocks only.

I will ask the question "why do you need to define your net worth?" to the girl you like? to a institution? Personal KPI? I do not see the purpose and the context is much more valuable than the question being asked here.

Last week I see some analyst reccomend buy. But P/B is high at 2.0. Also the dividends is 1%+ only.

Analyst forecast is abit above neutral. But the price is quite high. Not much value to unlock currently. There are better options.

That is the general trend nowadays. That is why many IPO under subscribed. People who are interested also choose to buy after the price dropped after IPO.

Common for them to charge more than 2K. If less than 1K it will be a intro/psycho session for you to sign up for those few thousand dollars courses. You will do well to do your own reading up first. If you do not have the interest/ discipline/ aptitude to self learn investing terms and knowledge, it is highly unlikely what you hear in the course will be very useful to you. On the contrary, once you have a certain degree of knowledge you can better decide whether you indeed need more knowledge from the courses. Seedly already have many resources. There is also investopedia. Just google "Singapore investment blogs" too. Finance.sg aggregates many finance/invest websites.

Hyphen not needed.

25 years old out of university. 5 years to hit 30 years old. Each year need to save 20K. Each month need to save 1,667. If your salary is 3,000. After CPF bring home 2,400. You monthly expense need to keep to 733 dollars. I recall my Uni days I spend around 200 dollars a month including 100 for transport. After work probably still less than 400. Quite easy if you are frugal and single.