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Year end .. property tax time 
Good luck to those HDB upgraders into EC & condo .. if you’re unemployed now

Good luck to those HDB upgraders into EC & condo .. if you’re unemployed now



Seriously,Most can't afford to pay for a hdb flat, let alone a condo or a car.That is what many of my younger colleagues say. No matter how hard they work, they won't be able to afford a condo or car even at current prices. They are just living from pay cheque to pay cheque.
Important thing is do not get sick cos if u see the medical bills, u will be stressed out,shocked or fainted.555That is what many of my younger colleagues say. No matter how hard they work, they won't be able to afford a condo or car even at current prices. They are just living from pay cheque to pay cheque.
It is far cheaper to die in SG than to get sick here.Important thing is do not get sick cos if u see the medical bills, u will be stressed out,shocked or fainted.555
I know of friends in senior management who live in HDB flats and do not own a car.Seriously,Most can't afford to pay for a hdb flat, let alone a condo or a car.
It is not so easy to upgrade out of a HDB flat as young PME couples like my wife and me did in the early 2000s.Year end .. property tax time Good luck to those HDB upgraders into EC & condo .. if you’re unemployed now
It is not so easy to upgrade out of a HDB flat as young PME couples like my wife and me did in the early 2000s.

Why You Should Have More Actual Cash on Hand
When things go bad, you may not need gold right away. But physical money could come in handy.
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Photographer: Joseph Eid/AFP
By Merryn Somerset Webb
December 13, 2025 at 7:30 AM GMT+1
This article is for subscribers only.
How much cash do you have?
There are a couple of ways to take this question. Ask an investor and he will reply with a percentage. Maybe it’s 5%, maybe 20%. In bubble times, more. Everyone loves the optionality of cash in a crash.

Private Drs these days can charge alotImportant thing is do not get sick cos if u see the medical bills, u will be stressed out,shocked or fainted.555
Ramesh and fellow CECAs have no problem. PAP makes sure that highly paid jobs go them. MAJULAH PAP.Seriously,Most can't afford to pay for a hdb flat, let alone a condo or a car.
Live next to ActiveSG sports centre. You can even have a badminton hall. The swimming pool is nearer to my flat than to some units in Bayshore Park. Live frugally and humbly.HDB flats is a decent good apartment to stay especially 4-rooms & 5-rooms except having little privacy and a swimming pool![]()
Some may overcharge u by the clinic staff as they just give u a machine calculator printout receipt of one amount plus gst without the breakdown of costs of different types of medicines and consultation fee.So usually when they ask u to pay $x, patients will just pay with no chance to check whether the amount is correct or not.Private Drs these days can charge alot
The staff get very worked up when patients ask for breakdown of the bill. There are Jiu Hu Kia GPs who overcharge by alot.Some may overcharge u by the clinic staff as they just give u a machine calculator printout receipt of one amount plus gst without the breakdown of costs of different types of medicines and consultation fee.So usually when they ask u to pay $x, patients will just pay with no chance to check whether the amount is correct or not.
U are correct . No choice . Unwell patients are at their mercy.Usually,patients will just pay up and fark off from the clinic.The staff get very worked up when patients ask for breakdown of the bill. There are Jiu Hu Kia GPs who overcharge by alot.

Live next to ActiveSG sports centre. You can even have a badminton hall. The swimming pool is nearer to my flat than to some units in Bayshore Park. Live frugally and humbly.
When CECAs invade your condo, there is no privacy.
Condos and cars are all about status. And there is nothing wrong with that. Everyone has the right to choose his lifestyle. If you choose humility, no need to sell humility. Don't worry if people say you are frugal because you cannot afford.

No choice. They super know how to juice sick patients money.U are correct . No choice . Unwell patients are at their mercy.Usually,patients will just pay up and fark off from the clinic.![]()
Please understand doctors need to drive Mercedes and BMW. Otherwise studied so hard for what ?No choice. They super know how to juice sick patients money.