singtel well known for blindly charging people and if you don’t check, you’ll be bleeding bit by bit to them…

peapot:

I used to buy penny stocks too but got burnt. Now I try to buy blue chips, ok some not so blue chips.


How do you buy US shares? I know people who made it when they bought Citibank 1 and half year ago.

you can buy them through local brokerages. but US market starts at night around 11pm SG time.

u can consider looking at directasia.com. their policies have comparably lower premiums…

they’ll probably advise you and help you to speak to the bank to restructure your debt.

budget?

Angelight:

Anyone knows how much (current market rate) to rent out for a room in a 3-room flat? Does it include utility charges, or separate charges for utility? How to draft a standard rental contract, or where can I find a sample for such contract?


My mom is planning to rent out a room so I am helping her out. Appreciate any advices but no property agents pls.

it depends on your location, and what you provide e.g. aircon, bed, etc.

usually for convenience, ppl include the utilities in the mthly rent. for non-aircon rooms, it can go from 400-600. air con room from 600 up.

contracts can be found by googling for it.

you cannot just "try out". a property agent is self employed, in other words, you’re your own boss. so you must view it as your own business, and you must keep ur business afloat.

yea, don’t call over the phone cos can be quite inefficient…


go down to the cpf office and ask everything

but since he has experience, can’t he join another recruitment firm?

i don’t trade ETFs, but they are pretty liquid. ETFs are up and coming these days…