Get the 100k job and do my passion as a hobby.

I think overseas property q popular! And maybe birkin bags ba like Jamie Chua?

When i realised the ocbc 360 account gave better interest. Then i tried to structure my expenses, and eventually slowly explored other financial tools.

You're at the right place then, welcome! Search around the questions and answers here, most likely you'll find what you need and more! Then also pop over to our fb community for more regular and light-hearted discussions :)

CPF is a retirement fund that the govt forces on everybody. To ensure its people age well, the basic thing the govt can do is to help us have enough money by then. You wanna use the money, you follow its terms and conditions. If you can pay w cash instead of CPF then you pay less when it comes to the 2.5% lor. Call this a paternalistic state or whatever, but not everybody is financially savvy enough for the govt to allow much flexibility. If you're good enough at investing then go earn more than 2.5% so that you have no worries repaying. If you borrow from a bank, you need to pay interest. That is why you pay hdb the 2.6% interest. If you use your CPF money, you are sacrificing the interest it otherwise earns. So it makes sense that when you return the money, you include the interest. Because that makes up your retirement funds anyway. Borrowing money from your future self means you need to pay your future self the interest he/she deserves.

Wondering: 1) if PWDs have different types of insurance, 2) if banks have staff fluent in sign language or documents in Braille, 3) how equipped are social workers at disability associations to handle personal finance matters?

It's never too late to learn new stuff, but w your current commitments you might need to prioritise. If it's sth that helps you become better at work, are there grants, sponsorships or scholarships which could help you financially and perhaps improve your career prospects?

Is there a community of people w coding careers that you can consult on what a coding job entails? I'd imagine that coding as a weekend hobby would be q different as coding for a living. And i dont think age should limit you from switching careers as long as you make an informed decision. All the best!

My parents believe in feng shui and the geomancer we engage is from Way: https://www.wayfengshui.com/consultancy/services.php?Id=6 The prices are all online, so it's quite transparent. Seems like there's a hierarchy of masters, the more "masterful" the more expensive. When my bf and i picked our flat, my mom insisted we consult them to pick a "good" unit. This "selection of premise" process involved calculating our ba zi based on our birthdates and times, to determine the directions "beneficial" for us. We then sent them the hdb floor plan of the project we were keen on, then they identified the units in those directions for us. So then when we pick units at HDB we can just pick from those lor. It was entirely done over email. From their website, the cost is $201.16 now though i kinda remember paying less 4 yrs back.

262, quite up there but only because i was under house quarantine the few weeks leading up to PSLE. Thanks to influenza during the SARS period. But i was otherwise an average student after that. Loved all my CCAs more than actual studies. Found my way into grassroots work during uni and wanted to do something useful for the community. I guess that shown thru my class participation in uni, cuz when i graduated the first qn my prof asked was, "so what community job are you going to do?" And now i help aunties and uncles live well and age gracefully(: