Hey Kenneth! I have a SecretLab Omega chair at home. Its really comfortable and the build quality is solid(The frame and casters(wheels) are super sturdy). You also have the ability to recline and lock the reclining position for a quick power nap. The armrest is also fully adjustable for height and left/right, front/back. Definitely a worthy investment!

Seedly has an article about the Temasek Bond Offer. https://blog.seedly.sg/temasek-holdings-corporate-bond-issue-subsidary-temasek-financial-iv-private-limited/ You may wish to note a bond of such quality and interest yield is usually open only to instituional investors only and usually in large denominations. This bond issue is denominated in $1000 and is easily within reach of most retail investors. You can almost think of the 2.7% interest as guaranteed given Temasek's credit rating. Also take note that you can also arbitrage your CPF OA's interest rate of 2.5% and earn an extra 0.2% if you pretty sure you won't need that sum in your OA in the next 5 years. Having said that, the bond can still be sold on SGX but its price is subjected to changes depending on interest rates.

I am a huge advocate of all forms of cashless payments. Personally use Grabpay, Favepay, Visa/Mastercard through Apple Pay, Singtel Dash, Netspay. My preferred mode of cashless payment is always the one that offers the best cashback or rebate for that particular merchant: For example, -Grabpay offers new promotions every month(e.g Liho, Toast Box,etc) -FavePay offers 5-10% cashback for subsequent purchases with several partnered merchants. -Netspay offers $0.50 off on Wednesdays and Fridays at campus canteens -Apple Pay provides the convenience for me to use my debit cards via a contactless method(used to have promos when Apple Pay just debuted) During the DBS Beep Beep Kaching promotion that lasted about 6 months which unfortunately ended in Sep 2018, I tried to use contactless payment as much as possible to qualify for the minimum $400 in spending via contactless payments. This was done using NetsPay at NETS-only merchants and my DBS Visa Debit Card thru Apple Pay(or Paywave) at merchants that accept credit/debit cards. I was able to earn between $40-$50 cashback per month with a minimum spending of $400 and cashback capped at $50 with spending of $500 per month. This 10% cashback comes with a condition that no cash withdrawals can be made via ATM. During this period, I withdrew cash from an alternative bank account whenever I needed cash. To answer the question, my favourite cashless form of payment is the one that rewards me the most at the time of transaction.

StashAway - Ray Dalio MoneyOwl - Mr/Ms market Kenneth(Seedly) - LKY Autowealth - John Bogle Endowus - Jack Bogle Smartly - Ray Dalio My idol is Jim Rogers.

Am personally a fan of Mapletree REITs due to its superior organic growth in recent years as a result of excellent management. The best Mapletree REIT in my opinion Mapletree Commercial Trust(MCT) because of the following reasons: 1) Hybrid of both retail( Vivocity) and commercial (office spaces) sector 2) High occupancy rate ( 99.4% in Vivocity and 97.8% in MBC, both of which forms the bulk of MCT) 3) Strong properties in MCT's flagship - Vivocity . Strategic location of Vivocity and its recent upgrade at B1 as well as as addition of public library at L3 will help increase shopper traffic 4) Healthy gearing ratio of 33.1% as at 31 Mar 2019 5) Minimal single tenant properties ( Top 10 tenants contributed 25.5% of gross revenue, ranging from 2.0% to 3.7% of total gross rental revenue). This means that should a single tenant's lease be expired, the direct impact on the overall MCT portfolio is minimised. 6) Manageable lease expires ( all leases have an average commited basis of 2.9 years(sufficient buffer over 2 years which is regarded as minimum for committed tenancy)

I would say within the nect decade, payments would be largely digital. All movement of $ will be tracked. Only motivation for cash payments would be to avoid detection for reasons we all know.

Perhaps cutting down his spending on Starbucks is a good way to start. Come up with a monthly budget for spending on Starbucks. Reload XX amount to his starbucks card and once finished, he will no longer be allowed to drink Starbucks until the following month. You can try lowering the budget as time goes by. Alternativey, try to explore cheaper options.

"Investing is always risky because there's a risk of losing a portion of your capital. " I disagree because with the right diversification and sensible risk appetite, one is able to minimise risk of losses to make the investment worthwhile.

If you are going to be drawing a monthly salary soon, you may wish to look at Seedly's post on Best Savings Acounts for working adults. Capitalise on the Salary credit for additional interest. CIMB will be good for earning no obligation 1% interest. https://blog.seedly.sg/best-savings-accounts-2018/

Time in market beats timing the market when it comes to investing.