A common question asked among many Singaporeans is, "How much savings should I have by xx years old?" Mostly, Singaporeans just ask this because they want to know if they're above or below the median. But the answer is not so straightforward, and varies among individuals in Singapore depending on personal circumstances. How much savings should I have at 35 in Singapore? As a bare minimum, the correct amount to have saved up - at any age - is 6 months of your income. Any amount beyond this should be redirected into your investment portfolio or retirement fund. This is because savings are mean to remain in liquid cash, ready to use during emergencies, whereas investments are more illiquid and for the long-term. So if you have an income of $5,000 a month, your "savings" are generally adequate if you have at least $30,000 saved up. Note that your CPF doesn't count, as it's not savings you can immediately draw on. A recent survey by OCBC says 51 per cent of Singaporeans don't have enough … [Read more...] about How much savings should I have at 35 in Singapore?
How much contents insurance for 3 bed house
TNT shoots for 3-1 lead PBA SLAPS Olmin Leyba (The Philippine Star) - August 11, 2019 - 12:00am P20K fine on katropa import MANILA, Philippines — They’re only halfway there and the TNT KaTropa recognize all the blood, sweat and tears it will still take to get them closer and closer to that cherished goal. “We haven’t really done anything yet,” TNT consultant Mark Dickel said after the KaTropa clawed back from 17 points down to beat San Miguel Beer in an emotionally-charged Game 3, 115-105, for a 2-1 lead in the PBA Commissioner’s Cup title series. “This is a best-of-seven, whoever gets four wins, so we can’t afford to celebrate. We have lots to do to complete the job,” said veteran KaTropa Jayson Castro. Riding on the momentum from the Friday’s W, the Terrence Jones-bannered KaTropa gun for a commanding 3-1 lead in the series tonight at the Big Dome. “We got to … [Read more...] about TNT shoots for 3-1 lead PBA SLAPS
Drinking enough water every day is something often overlooked because of how basic it is. While there is popular opinion that eight glasses of water daily is optimal, it seems excessive to most people, with the total amount reaching nearly 2 liters. Earlier this year, experts revealed that the commonly mentioned amount is misleading. "Fluid requirements vary among individuals based on age, sex, activity level and even where you live," said Jessica Fishman Levinson, founder of nutrition counseling company Nutritioulicious, as quoted by MSN. These factors can include daily activities and influence how much water you need every day. In general, The Institute of Medicine recommends that women drink 2.7 liters of water per day, although such large amounts are certainly not mandatory. In fact, since all fluids count toward the daily intake of water, including the water content of the foods you eat, most people always adequately hydrate themselves simply … [Read more...] about How much water you should drink every day, according to experts
RESTAURANT Restaurants are growing in popularity, not just for couples who want to avoid the ever-rising prices of hotel banquets, but also for those who want something different for their weddings. With restaurants, you get to choose from a range of cuisines and themed decorations, from the elegant and understated to loud and exotic. One thing to take note is some restaurants might not host weddings very often, so you might need to be a little more hands-on in communicating your needs and ensuring that the necessary equipment and arrangements are prepared by the staff. According to the same MoneySmart article, restaurants in Singapore may charge between $501 to $1,099 for a wedding banquet. ALTERNATIVE VENUES Anything that isn't a hotel or restaurant qualifies as an alternative venue. This can be country clubs, community centres, chalets, void decks, outdoor gardens, a yacht, or any space that you can think of. The good thing about using alternative venues is that it will likely be a … [Read more...] about Here’s how much you need for a wedding in Singapore
Money Hacks Ep 45: How to choose insurance in your 20s 8:44 mins Synopsis: In this podcast series every Monday, The Straits Times and The Business Times break down actionable financial tips. This episode is brought to you by OCBC Bank. It is aimed at insurance, a product which the young in their 20s need, but sometimes find it hard to figure out what they should get first. Money Hacks' Chris Lim hosts 29-year-old Navin Sregantan, a journalist at The Business Times and Mr Kelvin Goh, OCBC Bank’s Head of Investments and Wealth Advisory. In a Jan-Feb 2019 Frank by OCBC survey of 866 students and young working adults aged 16-29, only slightly more than half were aware of different insurance products, and less than half considered themselves knowledgeable about insurance. Are there still myths or misconceptions about insurance? 1:10 mins - Banks actually do provide some insurance plans, and how to use self-service banking tools like OCBC Life Goals to plan and identify gaps and … [Read more...] about ST Podcast: How to choose insurance in your 20s