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Lifestyle

JW
jiajing wang
Level 3. Wonderkid
Answered 10m ago
Do you go for 2nd rd or even 3rd rd everytime you dine with your friends and how often you dine with the same friends. If it is a different group everytime then i think just let them enjoy the benefits (that is if you do not have a card that let you enjoy the benefits..) If you do have the card and dine with the same group of people, you could volunteer or make your way to pay the bill 1st and ask them to paynow u. Even if they show displeasure, just tell them you have a minimum spending to achieve to be able to waive your card or something, tactfully.. If they are still displeased, maybe it would be best you don't dine with them anymore

Lifestyle

XY
Xue Yi Hang
Level 2. Rookie
Answered 9h ago
Actually why not learn from the internet for free? I started from cup noodles level myself and learned all my cooking from YouTube. Now I cook better than my wife :) You can simply search for things like "basic knife skills" and stuff like that and learn all your fundamentals there. The Pro Home Cooks YouTube channel is great too!

Savings

Family

Lifestyle

Alson Chua
Alson Chua
Level 3. Wonderkid
Answered 5d ago
I used to gave my mom every month $500-$800 cash and pay her phone bills and some other bills. She has a full time job and long story short, I found out that she’s not been saving up the money I gave to her and instead spending on unnecessary stuffs. Now I stop giving her the cash and instead I use the money to top up her Special Account. Calculate how much more to hit the minimum sum when she retire and top up every month accordingly. I told her I will start to give her cash again when her CPF start paying out the monthly Retirement Sum. This way you don’t need to worry she anyhow spend and no money to retire, all burden falls on you.

Investments

Stocks Discussion

Lifestyle

Harvey Tan
Harvey Tan
Level 4. Prodigy
Answered 13h ago
Not that I support market timing, but if you are convinced that Singapore stock is going bad, then why buy now since you can wait for the stock to crash and buy at a lower price ?

Family

Lifestyle

Junus Eu
Junus Eu
Level 8. Wizard
Updated 12h ago
Curious - what is a long term date?

Lifestyle

It depends on when you are leaving and coming back (holiday season? Off peak?) as well as which day of the week, how soon you intend to fly, etc. With some basic inputs, the cheapest round trip I found starts from ~$1200/pax. I'm sure there are better prices potentially available if you are flexible with your dates.

Lifestyle

Mobile Plans

Singtel

MyRepublic

Zen Rogue Xuan
Zen Rogue Xuan
Level 4. Prodigy
Answered 22h ago
You can consider opting gor GOMO, Singtel's sub brand as they are giving 20GB, 200 outgoing calls and 200 SMS for $20

Family

Retirement

Lifestyle

Your question is actually rather vaguely worded and if you would be clearer with what you are looking for, it will be easier to get the right advice. Currently you have stated a few points with regards to your life situation, which is great for a start, but I am not sure exactly what kind of advice you are looking for? A number of things can happen in the next 30 years. Planning for potential future children expenses? Planning for retirement? Planning to ensure that you can service your car/HDB loans? Budgeting to ensure your parents are also taken care of financially? These are the potential issues that will probably be running in your mind now, and if you can pick the most critical issues that you wish to plan for, I would be able to provide more directed and useful advice. On the surface, a 4 room BTO flat should not stretch your finances, but if you are looking at adding a car to the mix (alongside the costs of raising children), you'll want to ensure you budget properly. Also, don't forget to take care of your own retirement as well. You will be better suited to defensive investments like annuities for that if you cannot stomach risk.

Investments

Lifestyle

Savings

Stocks Discussion

Unfortunately the reit market have rallied quite a bit since the beginning of the year especially the good ones. Each person may have a preference towards a specific sector. Not sure what is yours. You may want to find a sector then look at the list of reits that focus in this. Look at each reit's model and past performance. Are dividends stable or increasing? Or is it taking a beating due to management decisions? Look at oue as a case in point. Once you find a reit then look at each reit's nav and current price. Find a point where the current price is below the nav ideally. If not possible find the point where the spread between nav and price is at lowest and enter at this point. Hope this helps
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