Income inequality measures how much richer the rich are, compared to the poor. It’s a polite term economists created, to replace: “Here’s how far the poor are from ramming sharp...

Some Singaporeans asked that land costs be excluded from HDB pricing. The answer to this was a stern no. Too much social welfare, as we all know, leads to laziness, communism, and Satan...

Historically, the most affordable childcare system comes from Sparta. They just left the toddler out for the night, and if he didn’t get eaten by wolves, he was probably prepared for anything....

When you step out of university you’re probably young, driven, and full of passion. Ready to do a job that changes lives. Ready to be someone who matters, damn it....

Have you ever had a migraine, then struggled to pry the top off a child-proof bottle of aspirin? Yeah, what you need is right in front of you, but you...

When it comes to politics, pay’s a difficult issue. Sure, the current leader may be expensive, but consider the alternative: All it takes is one under-qualified choice, and the economy’s...

Singapore houses comes in two price ranges: Expensive, and too expensive. So when it comes to investment properties, our options are pretty limited. We’re either buying property overseas (preferably Malaysia),...

The humanity of property investors has an “off” switch, and it’s flicked during valuations. Tell them a bungalow was a treasured family home, and they’ll roll their eyes and insist...

There are 3 types of situations that apply to commercial loans: Individual buying a commercial property Company buying residential property Company buying commercial property Before proceeding in taking up a...

So you think property agents are all cheats, do you? You think every last one is just out for your money. Well that’s not fair, because I’ll have you know you’re...

Under the standard Sale & Purchase Agreement, purchasers are required to make instalment payments of the purchase price, typically referred to as progress payments, as and when the developer completes...

There are two kinds of debt: The sort where you skip good lunches, and the sort where you’re researching the market price of your less important internal organs. There’s a...

Some Singaporeans might feel a car is the best investment. This is what happens when you don’t understand the meaning of the word “investment”, or what money is even actually...

If you see property agents walking all bow-legged, hand them a Panadol: The poor guys just took a knee to the groin. It’s from the government’s secret fighting move: The...

Contractors and architects make their job look like rocket science. But seriously, how hard can it be? Short of accidentally removing a load-bearing wall, and then being crushed to death...

Singapore has a wide range of Internet Service Providers. Assuming your definition of “wide” is “barely not a monopoly”. The scene is dominated by three big companies (M1, Starhub, Singtel),...

It’s finally happened: The government has sold land on a 60 year lease, for the development of private housing. The excitement is…not palpable. So far, most Singaporeans are lukewarm. It’s...

Amongst home buyers, there is constant debate over whether fixed or floating rates are better. Some argue that fixed rate packages support sound money management; others claim floating rate packages...

If you’ve just tried to refinance your home loan, you may be feeling confused. Different banks may have given different answers to your refinancing questions. It’s not their fault: The...

When picking a home loan package that is pegged to the SIBOR, you will typically be offered a choice of different rate structures: 1 month SIBOR, 3 month SIBOR, etc....

Never discuss physical gold vs. gold funds without a first aid kit. Or an ambulance on standby. I asked about it once…I mean once as in a passing whisper of a...

Noticed the global economy lately? Stocks are performing like horse drawn carriages in the Monaco Grand Prix. Investors are now looking for alternatives, and one of these is art. Since...

If you’re looking for a home loan, you may have heard the terms SIBOR and SOR. Most home loans in Singapore are based on one of these two reference rates....

Hi there, home loan delivery. Here’s your mortgage package, with an extra serving of unnecessary difficulty. What’s that? You didn’t order extras? Well tough; eat it or stay homeless dude....

Why do people keep e-mailing me about “a cheap place to rent” in Singapore? It almost doesn’t exist, okay? You’d have better luck finding professional surfers in Afghanistan. Down here...