I’ve always wanted to own my own HDB flat before I turn 35, but it seems now that I’m unlikely to achieve that goal.

I’m not particularly well-off and the HDB rule is married then can buy or wait till your 35.

I know that if I could get a loan from HDB, I could make the purchase before 35, but the rules are stopping me.

Dream shattered

When I was younger, I had dreams of being able to purchase a flat before I was 35 and never having to pay off a loan until my hair was all white.

It was a nice dream and I held on to it for a long time. I can remember being in school, dreaming about the day I could buy my own flat and never having to worry about loan repayments.

Unfortunately, reality has set in. The cost of HDB flats has risen significantly over the last few years and I just can’t afford one.

I know that there are some grants and subsidies available, but they won’t be enough to get me to my goal. Even if I were to get a loan, I would still need to pay a mountain of debt until I’m like 55 or 60.

I understand the importance of a flat, and the security that it provides, but the thought of being in debt for the rest of my life is a bit much. I want to be able to buy my own flat and not worry about being in debt. I want to be able to enjoy the security of my own home without having to worry about loan repayments.

So, what can I do?

Find a girlfriend and get married? I am not the most handsome or rich man so I will not be able to do this anytime soon.

I have also been considering the possibility of renting instead of buying. I know that this would mean I don’t get the security of owning my own flat, but it might be the only option for me. I could rent for a few years and then save up enough to purchase my own flat, but I’m not sure how realistic this is.

At the end of the day, I know that I won’t be able to achieve my dream of owning my own HDB flat before 35 and never having to pay off a loan until my hair was all white.

But, I am still determined to find a way to make it happen. I’m not sure what the best option is, but I’m willing to explore my options and see if I can make my dream a reality.

Growing up, my uncle was always the cool relative who would come to visit with the latest gadgets and stories about the world outside our small country.

He was the kind of person who was always full of energy and had a passion for life that I admired.

So when he asked me to teach him “Internet” so he could watch “videos”, I was more than happy to help. I was excited to share my knowledge with him and show him how he could access the special “videos” with just a few clicks of a mouse.

My first lesson was a basic introduction to the Internet. I explained what it was and how it worked, comparing it to a vast library with more information than you could ever imagine. I also showed him how to use a web browser and how he could use search engines to find whatever he was looking for.

Once he had the basics down, I moved on to teaching him how to watch videos. I showed him how to access YouTube, which is a great resource for both entertainment and educational videos.

He got impatient and told me to get straight to the point and teach him how to access videos of women…

As he got more comfortable with the Internet, I showed him how to use social media to stay connected with friends and family. I taught him how to create a profile, how to make posts, and how to use the various features that make social media so popular.

About two weeks later, he told me he message several girls on Facebook but did not get any respond and asked me what is wrong. I was dumbfounded.

Along the way, I also showed my uncle how to use Whatsapp and how he could use it to stay in touch with loved ones around the world. I also taught him how to use other video calling services so he could have face-to-face conversations with people.

By the time my uncle had finished his Internet lessons, he was a pro. He was able to access the information he was looking for and was able to keep in touch with people from all around the world. He even started creating his own videos and posting them online.

He gave me a $200 ang bao for teaching him. hehe

I remember the first time I heard someone say that girlfriends are like stocks.

At first, I thought it was a silly analogy. But after further consideration, I quickly realized that it was actually an accurate comparison. In many ways, girlfriends can be compared to stocks – some make us richer and some make us poorer.

So True

When it comes to investing in stocks, there are those that have the potential to make you a lot of money. These are the ones with the potential to break records and make their investors rich. Similarly, there are relationships that have the potential to make us richer. These relationships provide us with the emotional and mental support we need to succeed in life. Whether it is through companionship, encouragement, or simply being a good listener, these relationships have the power to make us feel more confident, happier, and more fulfilled.

On the other hand, there are stocks that can make us poorer. These are the ones that don’t perform well and end up losing money. Similarly, there are relationships that can make us feel poorer. These are the ones that drag us down and take away our joy and happiness. They are the relationships that are filled with constant drama and arguments, leaving us feeling emotionally drained and exhausted.

I’m not saying that all relationships are like stocks. Not every relationship is going to make or break us. But it’s important to be aware of the potential positive and negative impacts of any relationship we choose to enter into. Just like investing in stocks, it’s important to do our due diligence and make sure we’re investing in the right stock. In relationships, this means taking the time to really get to know the other person and make sure they’re a good fit for us.

In both relationships and investing, it’s important to be aware of the risks involved. With investing, there is always the risk of losing money. And with relationships, we run the risk of getting hurt.

But if we take the time to research and invest wisely, we can minimize the risk and maximize our chances of success.

Just like stocks, it’s important to diversify our investments. This means not putting all of our eggs in one basket. Instead, we should invest in different stocks, different relationships, and different activities. That way, if one stock or relationship doesn’t perform well, we’ll still have other options to fall back on.

Finally, it’s important to remember that investing in stocks and relationships are two completely different things. Stocks are investments that can make us money, while relationships are investments of our time and energy. Both have their risks, but when we invest in the right stocks and the right relationships, we can reap the rewards.

I’m a massage girl. That’s what I’m commonly known as, but I’m really a masseuse and I’m proud of it.

I know what you’re thinking. You’re probably wondering why I’m choosing to do this job. Well, the truth is I’m making more money doing this than I ever did in the past.

I graduated with a degree in business, but my job was barely paying the bills. I was stuck in a continuous cycle of debt and struggling to make ends meet.

That all changed when I decided to become a massage girl. I had heard good things about it and thought that maybe it could help me make some extra money. I was right.

To start, I thought I had to learn massage techniques and attend some classes on massage techniques. But none of it matter, I began working in a spa and started offering my services to clients. It was nothing like I expected.

The clients that came to see me were mostly men from all walks of life. I was providing a service to them and they were paying for it. What I didn’t know was that I was also providing something else – a special service.

It turns out that a lot of my clients were coming to see me for more than just a massage. They were looking for companionship, someone to talk to, and someone to listen to. I was providing them with a sense of companionship and it was something that they were willing to pay for.

But most importantly, I help them “Finish” and I get between $50 to $80 from them.

The more I provided this special service, the more money I was making. I was making more money than a lot of my peers who had graduated with me. It was amazing to see how much money I was able to make by providing this special service.

I’m now in a much better financial situation. I’m able to pay my bills and have a little extra to save. I’m no longer struggling to make ends meet and I’m able to enjoy life a bit more.

I’m also proud of the fact that I’m able to provide a valuable service to my clients. I’m helping them relax, feel more confident, and even helping them find more balance in their lives. It’s something that I take great pride in and it’s something that I’m grateful to be doing.

So, if you’re thinking of becoming a massage girl, don’t be afraid. It can be a great way to make some extra money, while providing a valuable service to others.

You never know, you might even end up making more money than your uni degree.

My heart dropped into the pit of my stomach the second I realized what had just happened.

I could feel my face heating up in shame and embarrassment as I realized my boyfriend had secretly removed the rubber while we were at it.

I was in complete shock, unable to comprehend how someone I loved and trusted could do something so selfish and inconsiderate.

The whole situation felt like a blur.

One moment we were making love and it felt so intimate and special, and the next he had pulled out and finished inside me. I screamed in terror as the realization of what had just happened started to sink in. I was in complete disbelief and felt betrayed by someone I thought I could trust.

The aftermath of the experience was even worse. I was filled with fear and anxiety, wondering if I had been exposed to any STDs or unwanted pregnancies. My boyfriend tried to comfort me but I just couldn’t hear anything he said.

I felt violated and like I had been taken advantage of.

We had been together for over a year and he had never once done something like this before. But now, all that trust was gone. It felt like he had taken advantage of me and my vulnerability in that moment.

I felt so embarrassed and ashamed of myself. I wished I had said something to stop him or had been more aware of what he was doing, but it all happened so quickly and I was in a state of shock. I couldn’t believe this had happened to me.

I eventually managed to calm down and talk to him about it. He apologized and explained that he’d gotten carried away in the moment and hadn’t meant to do it. He told me he would never do something like that again and that he was sorry for hurting me.

Although I accepted his apology, I was still incredibly hurt and angry. I felt like he had taken away my autonomy and disregarded my wishes. I felt like I had been invaded and violated in a way I could never have imagined.

Last Chinese New Year, I excitedly woke up and gave CNY greetings to my parents, expecting to be showered with love and red packets.

I am an adult, 30 years old and single, but I still lived with my parents, so every year I was entitled to as many red packets as my younger siblings.

But that year, my mother had a rule – I was not allowed to keep the red packets I received.

Instead, I was expected to hand them all to her for “safekeeping.”

She had never done it before and was not in any financial difficulties.

At first, I thought it was a joke. I mean, I was an adult. I was responsible enough to manage my financial affairs.

I was even helping my parents out with their bills. But apparently, my mother was not convinced.

So, I had no choice but to comply. On the first night of Chinese New Year, I handed over all of my red packets to my mother.

She counted them and then put them away in her drawer.

The following days were uneventful. I was happy to be spending time with my family, but I was also a little frustrated that I had no control over my own money.

Every time I asked for some of my red packets back, my mother refused. She kept telling me that she was doing it for my own good, but I felt like she was just being unreasonable.

Finally, the day came when CNY ended. I asked my mother for my red packets, but she refused again. She said that she would give them back to me when I was ready to get married and start a family.

I was devastated. It was like she was punishing me for being single. I wanted to scream and shout, but I knew it wouldn’t do any good. I just had to accept it and move on.

So, I returned back to my room without my red packets. I felt like I was being robbed of my financial freedom.

Every single one of those red packets were blessings for me, but now I was not even allowed to use them.

I still don’t understand why my mother thought she had the right to control my money like that.

I guess that’s just the way she is – stubborn and unreasonable.

I just hope that when I’m ready to get married and start a family, my mother will finally give me back my red packets.

As a long-time believer in deities, I never imagined that I would get such a shocking result from the Chinese New Year (CNY) draws.

I have been a faithful worshiper of certain temple deities for many years, and it all started with the blessing of a 4D number.

It was during one of my visits to the temple when the ‘medium’ gave me a 4D number. He said it was a blessing from the deity, and I should bet on it.

I was skeptical at first, but since it was a blessing, I decided to trust my gut and go with it. To my surprise, I won the third prize during the CNY draws.

This experience gave me a newfound faith in the Chinese deity that I had been worshipping for so long.

I was sure that this was a sign that the deity had given me a blessing and wanted me to be successful.

I was so excited that I decided to make more visits to the temple and ask for more 4D numbers from the deity.

As time went on, I continued to win the lottery with the 4D numbers that I got from the deity. Every time I won, I was filled with joy and gratitude for the blessing that the deity had given me.

I was sure that this was a sign that the deity was looking out for me and wanted me to be successful.

My faith in the deity grew with each passing day. I started to believe that the deity was not only blessing me with 4D numbers, but also that it was giving me the chance to be successful in life.

I am now a firm believer in the deity and the 4D numbers it blesses me with.

I am sure that the deity will continue to bless me with 4D numbers so that I can continue to be successful in life.

I am grateful for the blessing that the deity has given me and I will continue to be a faithful worshiper.

I had been looking forward to Chinese New Year since the start of the year.

Spending quality time with family and friends, enjoying delicious home-cooked meals, and of course, playing card games.

It was a time-honored tradition that I had enjoyed since I was a child, and this year was no different.

On the second day of the festive period, I decided to spend a few hours playing in between with some friends.

It was a game I had been playing since I started gambling, and I was confident that I was pretty good at it.

But this time, I was wrong. Very wrong.

The game started out innocently enough. We were all having a good time, and I was doing well. We started raising our calls on the amount inside the pot when we were dealt with good cards.

The amount in the pot soon grew to almost $2,500 as all of us kept getting cards which were outside and getting ‘tiang’.

I was then dealt with an ACE and KING and I thought it was a good time to recoup. I called the pot and unluckily got an ACE.

This meant that I had to pay up double.

I had to pay up $5,000, and I did not have so much money with me.

My friend was gracious enough to offer me a loan so that the game could continue and I reluctantly accepted.

I certainly never expected to lose so much. I felt embarrassed, and I was afraid of what my family and friends would think about me playing more than my means.

It felt like my world had come crashing down around me. I felt like I had let everyone down, and I felt like I had let myself down.

I had been so confident and yet I had failed so spectacularly.

My friend was understanding, but I knew that I would have to pay him back. I had no idea how I was going to do it, but I knew I had to try.

I was constantly worrying about how I was going to come up with the money, and it was a struggle to keep my head above water.

I learned my lesson, and I vow never to play in between again. I had found out the hard way that gambling was not something to be taken lightly, and that it could have serious consequences.

I will never forget the feeling of despair and shame that I felt after losing that money. It was a hard-earned lesson, and one I will never forget.

Now I have to work doubly hard, to make up for the amount that I’ve lost.