University courses
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From Beatty sec sch to SAJC to valedictorian at prestigious United States Air Force Academy
https://www.channelnewsasia.com/singapore/top-graduate-us-air-force-academy-singaporean-lieutenant-mindef-4394701
He never did well in pri sch. His grades only improved in sec sch, after his bio mum passed away when he was in p6. -
bbbay\" post_id=\"2134866\" time=\"1717809661\" user_id=\"175278:
Eg. In sg esp, cars are great liabilities.
On picking up accounting/personal finance knowledge, I think can read up on our own. I benefited alot from the book “Rich Dad poor dad”. Maybe my needs are not sophisticated. This book break down financial management into few fundamental concepts. Cash flow. What is asset and what is liability. Aim to put your cash into asset and avoid putting them into liability. Asset are things that generate more cash over time; liability is the opposite. And also there is “good debt” and “bad debt”- the former is ok but not the latter. -
Coolkidsrock2\" post_id=\"2134856\" time=\"1717779121\" user_id=\"48901:
My son worked in HDL after O level. When J1 mid year holiday started, I asked him whether he going back to HDL to temp, he said “it’s not exactly an easy job”. He didn’t go back. Good exposure to them- reality of working life.
Both my kids worked part-time in retail too. Very tough with long hours. As the colleagues were generally more matured, the experience also gave them exposure to a more long-term perspective to their future.
Post these part-time stints, they are better able to take self-responsibility to work towards being the +++ candidate. -
00skyblue00\" post_id=\"2134869\" time=\"1717811960\" user_id=\"143605:
There are people who can position what is “liability” to others, into “asset”. Salespeople during job interviews, can turn their car ownership into a great asset in getting that sales job. Or use their car to do sideline, ride hailing/ delivery jobs. For the majority of car owners in spore, it’s really a liability. Maybe they have other bigger asset to cover…. 😀
Eg. In sg esp, cars are great liabilities. -
Schootopia\" post_id=\"2134858\" time=\"1717785917\" user_id=\"143961:
Strongly agree!!
Heard that the churn rate for new accounting graduates at big 4 has been ~ 25%. Drop-out rate was high too.. Despite the nice branding, grade A office location etc. May be contributory factors of recent pay hikes..
A lot of the rule-based repetitive tasks can easily be automated.
But accounting is practical and useful knowledge in real life.
Unfortunate that schools are not teaching basic accounting and personal finance.
One thought has been lingering in my mind like for 10yrs already, why schools don’t have basic accounting and personal financial courses for the kids. Should start as young as possible. Teach young kids about “needs and wants” and not to live beyond one’s means.
I learnt through my POSB bank booklets see number jump whenever I updated the booklet gave me great joy. It’s a pity everything is digital nowadays and the introduction of debit cards for kids is not good (perspective of a parent, not from commercial aspect though). -
Math problem sums already including personal finance into them. Primary school got calculation of GST, old rate versus new rate what is the price difference. Secondary school i saw some qns on hire purchase: how much more it will cost u if choose such scheme. Compare internet broadband/handphone plans from “singhub versus M2” depending on person A and B’s needs/usage.
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slmkhoo\" post_id=\"2134862\" time=\"1717805679\" user_id=\"28674:
This is an excellent article - thanks for sharing.
Opinion piece by Lily Kong, President of SMU: Humanities and social sciences – everything, everywhere, all at once
Often misconstrued as esoteric academic disciplines, the social sciences and humanities significantly impact our daily routines and life choices.
https://www.straitstimes.com/opinion/humanities-and-social-sciences-everything-everywhere-all-at-once
Non-subscribers may not be able to read this online. Get hold of a physical paper or ask someone for a PDF?
ST should not put this behind a pay wall- after all I am sure the author means for this piece to be widely read!
One reason why Singaporeans tend to veer towards STEM is because of familiarity. The exposure to Humanities and Social Sciences is too brief and little compared to the dosage of Math and Science from P1 and P3 respectively. I notice that many IP schools also offer upper secondary curriculums that compress humanities to 1 subject which also incorporates SS, reducing humanities exposure even further. Hence, to venture into Arts/Humanities at the tertiary level requires quite some courage and conviction. -
zac's mum\" post_id=\"2134873\" time=\"1717814754\" user_id=\"53606:[quote=\"zac's mum\" post_id=2134873 time=1717814754 user_id=53606]
Will students transfer what's in a Maths problem sum to real life? I doubt it!
Math problem sums already including personal finance into them. Primary school got calculation of GST, old rate versus new rate what is the price difference. Secondary school i saw some qns on hire purchase: how much more it will cost u if choose such scheme. Compare internet broadband/handphone plans from “singhub versus M2” depending on person A and B’s needs/usage.[/quote] -
bbbay\" post_id=\"2134871\" time=\"1717812637\" user_id=\"175278:
Agree, for those whose work depends on flexible transport means. I couldn't agree for those who turn private hiring to own a car though. Not before they exhaust other career options esp fresh grads or young adults.
There are people who can position what is “liability” to others, into “asset”. Salespeople during job interviews, can turn their car ownership into a great asset in getting that sales job. Or use their car to do sideline, ride hailing/ delivery jobs. For the majority of car owners in spore, it’s really a liability. Maybe they have other bigger asset to cover…. 😀 -
zac's mum\" post_id=\"2134873\" time=\"1717814754\" user_id=\"53606:[quote=\"zac's mum\" post_id=2134873 time=1717814754 user_id=53606]
I think it’s totally different.
Math problem sums already including personal finance into them. Primary school got calculation of GST, old rate versus new rate what is the price difference. Secondary school i saw some qns on hire purchase: how much more it will cost u if choose such scheme. Compare internet broadband/handphone plans from “singhub versus M2” depending on person A and B’s needs/usage.[/quote]
Calculation of GST and interest rate in math syllabus is to show students practical applications of percentage but not likely to dwell too much financial literacy.
A basic financial literacy course in Pri/Sec school can be like teach a student how to keep track of daily expenses in say, excel sheets form to see if they overspent for the month. Teach how to differentiate needs and wants, importance of saving and delayed gratification is a virtue.
It’s one way to help uplift the lower income families, so as not to be trapped in the poverty cycle.
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