False sense of affordability
You need to save at least 20% of your income for retirement, instead of using them for HDB. It's a simple calculation. If you spend working from age 25 to 65, that's 40 yrs of working income. If you use 25% of your income for mortgage, you will be using 55% for spending. Saving 20% will means it's 36% of your spending to maintain...
Job Interviews By New Citizens/Global Talents
Recently, a friend told me his experience interview for a mid senior position in an IT company. The HQ of this company is in the US, their Asia HQ is in Australia, the HR is also in Australia. He applied and was identified by HR manager to be a potential candidate. He decided to research his hiring manager after the email of...
Developing countries can mobilize internal savings
Many developing countries need funds for their economic development. They issue bonds in US dollar in the international markets. When the US dollar rises, as has happened in 2022, the developing countries find it costly to repay the borrowings. Some have defaulted in the process. Many developing countries have the means to mobilize...
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