Don’t Wait to Use Your SkillsFuture Credit

Change is uncomfortable but necessary for growth. Although emerging technologies have disrupted many jobs, they have also opened up new careers that didn’t exist before. When doctors now enter medical school, they are told that much of what they learn will be obsolete within a few years of graduation. The rate of change in this world is accelerating, and everything we know or are comfortable with has a shorter “expiration date”. These are just the circumstances we live in today, whether we like it or not. And although we may have already finished our formal education and started our careers, we now need to become lifetime learners, acquiring new skills while we are still gainfully employed. This allows us to remain relevant despite the widening digital divide and rapidly changing employment landscape.

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Rent or Lend Stuff with Lendor, the Peer-to-Peer Library of Things App

As I mentioned in a previous article, the stuff that you own continuously consumes money, space, and/or resources, whether you actually use it or not. It’s not always ideal to buy and own something (and this includes property). Often an item is bought to ensure access to it, but sufficient access can be achieved without all the downsides of ownership, such as the purchase cost, burden of full responsibility, and underutilisation, where the item sits around collecting dust. Collective consumption, where there are many users who share access, reduces the downsides of ownership and is also more eco-friendly. This is where the Lendor App comes in, as it connects suppliers of rental assets with consumers who wish to borrow those assets. Here’s why you should try them.  (more…)

Surprise Your Loved Ones with Easy-to-Order Bouquets Delivered FREE Islandwide

Father’s Day is just around the corner, and as society is becoming more gender balanced, would you consider giving flowers to your dad? I did (once), and my dad, who is normally expressionless, was overly delighted. He said it made him feel special and happy because never in his lifetime had anyone sent him flowers. With more than 7 decades of living, for him to receive flowers for “the first time” made the occasion not just extraordinary, but unforgettable. (more…)

Money Hacks for People with Diabetes in Singapore

Having diabetes not only comes with a diminished quality of life and social stigma, but it can also be a heavy financial burden. And as any good financial advisor will tell you, wealth planning is not complete without health planning. According to the Ministry of Health (MOH), diabetes is the 2nd leading cause of death in Singapore. Last year, MOH declared a “war on diabetes“, and together with the Health Promotion Board (HPB), they’ve put programmes into place to make healthier food options and exercise more available and more affordable. They have also reduced the cost of diabetes screening and medications. In addition to these, here are some other ways for people with diabetes to control costs. (more…)

Why Signing Up As a Uber Driver is Worthwhile

By now, everyone knows you can make side/extra income from “freelance” driving with Uber. There are already 20,000+ drivers for Uber in Singapore, and this community is rapidly growing. You’ve probably already met a handful of people who are seriously considering becoming an Uber driver. Besides having another source for income, more flexibility and control over your time, here are some additional benefits of being an Uber driver that few people know about.

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Government Policies on HDB Housing – Simplified!

Affordable and quality housing is one of the cornerstones of building social stability, and the sense of nationhood. Singapore’s public housing programme is no doubt one of the most successful public housing programmes in the world, resulting in low rates of homelessness, the elimination of slums, higher cultural and social integration, and lower crime rates. By comparison, in Los Angeles, when I grew up, public housing (aka the projects) was a hotbed for crime, drugs, gangs, violence, and disease, with little chance of upward mobility or even integration. Because homelessness results in a whole host of problems, keeping housing affordable and accessible, still remains one of Singapore’s top priorities. Though with all the various government schemes, it’s hard to keep track of what’s what. Here’s an attempt to help simplify the various public housing schemes available in Singapore:

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Government Personal Income Tax Relief – Simplified!

Taxes are not evil. As humans, our progress, survival, and even wellbeing depend on benefiting from and contributing to a group. And in a sense, taxes are the “membership fee” to belonging to this kind of organised society, where a government is put in charge of certain civil aspects of society that cannot be entrusted to the private sector, such as utilities, healthcare, education, environmental protection, security, and defense. But with any group, some members are tasked with contributing more while others are bigger recipients, yet at any time, these tables can be turned. This article attempts to simplify the various tax reliefs available for individuals, many of which are put in place to benefit families and the “sandwich generation”.

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Government Policies on Social Safety Nets – Simplified!

We all wish to live and age well, and nobody desires to be disabled or dependent. You could have your life perfectly planned and yet be completely blindsided by tragedy (the 3 D’s – death, disease, and divorce – are cruel and notoriously common). And this is why we have government social safety nets. But when tragedy strikes, it’s hard to know where to start. With different schemes spanning different ministries and agencies, it can be quite daunting. So this is another attempt to help simplify the various schemes:

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Government Policies on Family Benefits – Simplified!

“I don’t know what resources are out there” and “Why can’t the government just make things easier to understand?” are two common complaints I hear from the public across all ages, races, occupations, and gender. It has becoming increasing apparent that government schemes, like all messages, cannot be successfully communicated without addressing the UI/UX (user interface/user experience) issues. And yes, I do agree that there needs to be a better way to disseminate information in a more clear and easy-to-understand fashion. But to be fair, just saying “this is too complicated and until they make it easier, I give up” is a bit like saying speaking Mandarin is hard or driving is complicated, yet so many people do it all the time. We too, need do our part to facilitate our own understanding through repeated exposure, practice, and patience. And this is my attempt to help in this process:

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