Example education and tuition related fees, most centres are charging anywhere from $60-$100+ an hour for secondary or JC classes. For parents who share similar experiences as me, I’ve recently chanced upon a centre that is offering extremely affordable tuition at only $15 per hour, might be worth checking out.

If any of you enrols your child inside, let me know how it goes!

Singapore’s absolutely smashing it at number 2, but Indonesia’s a bit further down the list at 79. The Philippines (#20) and Malaysia (#25) might also be worth a peek if you’re set on Southeast Asia and decent English is a priority.

Definitely wise visiting a place before you commit to retiring there. You get a feel for the vibe, the pace of life, and whether it truly feels like home. I always use this guide when planning trips: https://gowithguide.com/blog/how-to-plan-a-trip-5-essential-steps-5730. It breaks down everything from budgeting to finding the best local experiences.

ChiefKiasu\" post_id=\"2135400\" time=\"1719022305\" user_id=\"3:

The new CDC vouchers are coming at the end of the month. I wonder what \"promotion\" NTUC is going to give this time to make us use up the vouchers

MyPillow\" post_id=\"2135305\" time=\"1718862920\" user_id=\"70594:

ocbc360 i find it troublesome lei? u ditch uob already, so is it need to inform HR to change salary crediting bank again..

recently , we found out Trust Bank is easy to earn interest up to 3.5% , but it is effortless. just spend , credit salary and save. 3.5% up to $500K deposit

zac's mum\" post_id=\"2135374\" time=\"1718965245\" user_id=\"53606:[quote=\"zac's mum\" post_id=2135374 time=1718965245 user_id=53606]
I hope you used your cdc vouchers! First floor nasi lemak stall (and others) accept it.[/quote]

starlight1968sg\" post_id=\"2135373\" time=\"1718965147\" user_id=\"14025:

I had lunch at Queenstown Hawker Centre.
A plate of wonton mee costs $4 (ground flr) and a plate of rojak (2nd flr) starts from $4.
The prices are quite reasonable.

I think a budget of $10 per meal is ok at present.

MyPillow\" post_id=\"2135309\" time=\"1718866584\" user_id=\"70594:

thanks for the reminder & info on AT1
yah, i was referring more to issuers of AT1 from our local banks, i think is safer but of course is higher risk since no mature dates compared to other local no frill products

Imp75\" post_id=\"2135304\" time=\"1718862701\" user_id=\"2358:

See who is the issuer of the bonds not who are the distributors of the products. There is a reason why it is called AT1. It’s definitely more risky than your plain vanilla bonds. And in this kind of interest rate environment bond prices are volatile as well.

MrsKiasu\" post_id=\"2135301\" time=\"1718861384\" user_id=\"43981:

I m outside now so cant check my excel sheet. If not wrong think got around 4% but capped at 100k/pax for ocbc360.

MyPillow\" post_id=\"2135303\" time=\"1718862535\" user_id=\"70594:

those from local banks shold be ok bah? ocbc, dbs, uob , i think Stan chart sg also have

Imp75\" post_id=\"2135293\" time=\"1718858113\" user_id=\"2358:

AT1 is a high risk bon somemore its perpetual which means there is no guarantee principal will be paid at which juncture since there is no maturity. Also with AT1, mandatory capital triggers may kick in upon certain events which may place bond holders in an Unfavourable situation, Read the TnC carefully.

MyPillow\" post_id=\"2135287\" time=\"1718851809\" user_id=\"70594:

have u consider counselling job before?

lee_yl\" post_id=\"2135298\" time=\"1718859442\" user_id=\"17023:

Yes, previously the Credit Sussie one is also an AT1 bond. But UBS is already the last major bank left in Switzerland so should be fine?

Imp75\" post_id=\"2135293\" time=\"1718858113\" user_id=\"2358:

AT1 is a high risk bon somemore its perpetual which means there is no guarantee principal will be paid at which juncture since there is no maturity. Also with AT1, mandatory capital triggers may kick in upon certain events which may place bond holders in an Unfavourable situation, Read the TnC carefully.

lee_yl\" post_id=\"2135290\" time=\"1718852790\" user_id=\"17023:

UBS has a AT1 perpetual 5.5 year (due on 21 Dec 2029) at 5.85% pa…

MyPillow\" post_id=\"2135289\" time=\"1718852130\" user_id=\"70594:

New Great SP series 3.2% per annum for 2 yrs
I am not working or promoting for GE , just some info for sharing on savig too :

https://www.greateasternlife.com/sg/en/personal-insurance/our-products/wealth-accumulation/great-sp.html?aid=&utm_campaign=gels_brd_ao_ld_greatsp0624&utm_source=google&utm_medium=search&utm_content=sem_greatsp&utm_term=&gad_source=1&gclid=CjwKCAjwg8qzBhAoEiwAWagLrKW1TuJUGDbJqDN6kmJ56-bcNt6jkF7500EOXFErsjJw95JIojxJWhoCmkcQAvD_BwE&gclsrc=aw.ds