doodbug\" post_id=\"2134969\" time=\"1718119497\" user_id=\"13281:

If you are at Hard Rock Cafe area, try Crumb and Coaster.the food is instagrammable and tastes good. There is a large variety for all taste buds- whether you are vegan,on diet and want to eat clean, or just wanna enjoy burgers. We love it though I haven't had breakfast there. The coffees are outstanding and top up 15k for the larger size heehee.

doodbug\" post_id=\"2134958\" time=\"1718088495\" user_id=\"13281:

Haha smashed avo toast with poached egg and latte - that's my favourite breakfast /brunch and it's available everywhere where I am now in Bali. About $10-11 SGD at the hipster cafes.

It's like $30 in SG though at places like Baker and Cook. Not sure who eats this on a regular basis in SG lol

lee_yl\" post_id=\"2134950\" time=\"1718070525\" user_id=\"17023:

As long as there is hope, Singaporeans won’t 躺平。China 躺平 because a lot of ppl already lost hope in the future.

Last week a friend shared that his relative worked in hedge funds. He claims that the commission was like 1% of every multi-million project. Unfortunately work could be too stressful for him, the relative passed on from heart attack at 35yo.. then I think kids ask to come home 躺平 better than die of work stress.

Oh, last night I browsed through Vivian Tu’s YouTube channel for 5mins. She said young millennials love avocado toast with latte for breakfast and every Friday must go out with friends to chill. That’s fine because no need to sacrifice one’s enjoyment, instead, should ask boss for 10%-15% annual salary increment!!

Very refreshing idea but can it work in SG or does it only work in US? DD1 agreed with Vivian Tu as she thinks we should find ways to increase our income as we want to improve our life, isn’t it? However, I disagreed, because I practise 开源节流 with focus on 节流.

Coolkidsrock2\" post_id=\"2134937\" time=\"1718002938\" user_id=\"48901:

Have been deliberating and discussing with friends for a while on what and where my pragmatic compromise will be if kids choose to lie flat till they find their purpose in life or if they drop off / slow down.

Some have advised to let them decide as it is their life, so that there will not be any blame down the road. While we may think what we want is good for them, another view may be how is it good if it is not what they want. In such case, how much and long should they compromise their life.

In general, all of us agreed that what we want stems from concerns around the realities of life and prefer they choose a tested route.

Coolkidsrock2\" post_id=\"2134937\" time=\"1718002938\" user_id=\"48901:

Have been deliberating and discussing with friends for a while on what and where my pragmatic compromise will be if kids choose to lie flat till they find their purpose in life or if they drop off / slow down.

Some have advised to let them decide as it is their life, so that there will not be any blame down the road. While we may think what we want is good for them, another view may be how is it good if it is not what they want. In such case, how much and long should they compromise their life.

In general, all of us agreed that what we want stems from concerns around the realities of life and prefer they choose a tested route.

lee_yl\" post_id=\"2134913\" time=\"1717907334\" user_id=\"17023:

I have no idea who is Vivian Tu so went to Google.

Her last drawn annual salary as a Trader with JP Morgan was US$600K. So I was wondering if it is worthwhile for her to quit her job to be an influencer. It’s shocking to know that her latest annual income as a successful influencer is US$3.2M. Anyway, I doubt I will support my kids if they want to quit their jobs to become influencers lol

Coolkidsrock2\" post_id=\"2134912\" time=\"1717905529\" user_id=\"48901:

Read \"Rich Dad Poor Dad\" too. And got kids to read it too. Passive income too - rental income through investment property. Got kids to read as well.

Was recommended to finfluencer, Vivian Tu, some time back. Seems she is popular with the millenials.

bbbay\" post_id=\"2134866\" time=\"1717809661\" user_id=\"175278:

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.

mum2b\" post_id=\"2134882\" time=\"1717817400\" user_id=\"3552:

Hi Leeyl,
Mine is jc2 too! This yr mug for A lvl then it’s decision time next yr. Wow your dd is very driven & connected with seniors, she’ll do well in the future.

lee_yl\" post_id=\"2134891\" time=\"1717829996\" user_id=\"17023:

Although we all know how to calculate simple/compound interest, when it comes to car loan, I find that men have warped logic (of cos men will say mine is girl’s math!)

When I buy a car, I will pay in full because I don’t want to pay interest on the car loan. But DH’s good friend will change car every 3-5yr, the moment he finishes paying his car loan, it’s time to change a new car (and take on a new car loan)! Isn’t it forever in debt?

Recently my bro changed car because his logic is that after 5th year, continental car with no warranty is not worth to drag on. I am amazed that he doesn’t take into consideration the fact that COE went up by a lot in the past 5 yrs!?!

lee_yl\" post_id=\"2134891\" time=\"1717829996\" user_id=\"17023:

Although we all know how to calculate simple/compound interest, when it comes to car loan, I find that men have warped logic (of cos men will say mine is girl’s math!)

When I buy a car, I will pay in full because I don’t want to pay interest on the car loan. But DH’s good friend will change car every 3-5yr, the moment he finishes paying his car loan, it’s time to change a new car (and take on a new car loan)! Isn’t it forever in debt?

Recently my bro changed car because his logic is that after 5th year, continental car with no warranty is not worth to drag on. I am amazed that he doesn’t take into consideration the fact that COE went up by a lot in the past 5 yrs!?!

zac's mum\" post_id=\"2134888\" time=\"1717826663\" user_id=\"53606:[quote=\"zac's mum\" post_id=2134888 time=1717826663 user_id=53606]
The requirements for taxi drivers and PHV drivers are identical now (after complaints), min 30 years old and Singapore citizens:

https://onemotoring.lta.gov.sg/content/onemotoring/home/driving/vocational_licence/vocational_licence_application.html[/quote]

00skyblue00\" post_id=\"2134887\" time=\"1717825123\" user_id=\"143605:

Likely private hiring sign up requires fulfilment of min trips or something. Basically time sold into it, if so. Better to use the time to upgrade, or apply in other ways. Not advisable for youngsters to pigeon hole into private hiring transport so young.

In the past, only 35yo or older are eligible to drive taxi. Set by policy makers with holistic view. Now? Don't know. All haywire.

bbbay\" post_id=\"2134886\" time=\"1717822130\" user_id=\"175278:

I don’t mean to help afford a car, becoming a private hiring full time. I mean if some how already own a car and want to reduce ownership expenses, using the car for part time/week end private hiring works.

And this is my example of how financial literacy can be applied to model our everyday life for bigger impacts. And that I suppose is how bosses think too

00skyblue00\" post_id=\"2134879\" time=\"1717816831\" user_id=\"143605:

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.

zac's mum\" post_id=\"2134863\" time=\"1717808232\" user_id=\"53606:[quote=\"zac's mum\" post_id=2134863 time=1717808232 user_id=53606]
Thanks for sharing. I’ll go read in detail.

Free pdf version is available via the NLB app (i prefer on HP cos handy; DH with laohua prefers on ipad), log into your NLB account, u can view it under “SPH newspapers”.[/quote]

lee_yl\" post_id=\"2134820\" time=\"1717740918\" user_id=\"17023:

Hi Hi, last year, my DD1’s 1st choice was to do Biz but realized she is more of an introvert and doesn’t enjoy meeting different people everyday. Therefore, we decided on Econs. She can just do her analysis job if she really wants to. DD1 prefers Econs also because Biz is a general degree. I have a younger JC2 daughter who is currently looking at Biz. How old is your kid?

Accountacy also ok/suitable but she ruled it out because the remuneration does not commensurate with the long hours spent at work. Will AI replace accounting jobs? We think it’s just a matter of time because it’s already starting to happen in US.

slmkhoo\" post_id=\"2134877\" time=\"1717816676\" user_id=\"28674:

Will students transfer what's in a Maths problem sum to real life? I doubt it!

zac's mum\" post_id=\"2134873\" time=\"1717814754\" user_id=\"53606:[quote=\"zac's mum\" post_id=2134873 time=1717814754 user_id=53606]
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:

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…. 😀