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HDB has allocated over $742 million for upgrading works of these HDB flats islandwide

The Ministry of National Development (MND) and Housing & Development Board (HDB) have earmarked over 53,000 HDB flats for enhancements, as part of the latest Home Improvement Programme (HIP) selection.

These flats are dispersed throughout the island, and here’s the full list:

Hougang

Blks 358 – 363 Hougang Avenue 5

Blks 830 – 835 Hougang Central

Blks 460 – 468 Hougang Avenue 8/Hougang Ave 10/Upper Serangoon Road

Serangoon

Blks 531 – 535, 535A & 536 – 542 Serangoon North Avenue 4

Blks 500 – 506, 506A, 506B & 507 – 511 Serangoon North Avenue 4

Blks 232A, 234A, 236A & 255 – 258 Serangoon Avenue 2 / Central Drive

Ang Mo Kio

Blk 317 Ang Mo Kio Street 31

Blks 104A, 104B, 253 & 253A Ang Mo Kio Street 11/21

Blks 613 – 619 Ang Mo Kio Avenue 4

Toa Payoh

Blks 35 – 37, 43 – 46 & 48 – 50 Lorong 5 Toa Payoh

Blks 80, 80A, 80B, 81, 81A, 81B, 82, 82A, 82B, 84, 84A, 84B & 86 Lorong 2/4 Toa Payoh

Choa Chu Kang

Blks 201 – 204 & 205 – 221 Choa Chu Kang Avenue 1/Central

Blks 223 – 239 Choa Chu Kang Central

Blks 553 – 569 Choa Chu Kang North 6 / Street 52

Blks 305 – 308, 340 – 346 & 350 – 355 Choa Chu Kang Avenue 4/Loop/Central

Blks 150 – 152 & 154 – 160 & 162 – 164 Jalan Teck Whye

Blks 751 – 761 Choa Chu Kang North 5

Blks 762 – 771 Choa Chu Kang North 5 / Street 54

Bedok

Blk 140 Bedok North Street 2

Bukit Panjang

Blks 437, 440, 442 & 447 – 453 Fajar Road/Bukit Panjang Ring Road

Blks 170 – 176 Gangsa Road / Lompang Road

Image Credits: Google

Kallang

Blks 4, 5 & 6 Boon Keng Road

Blks 13, 14, 14A Upper Boon Keng Road

Blks 59A, 59B, 59C & 60 Geylang Bahru

Bukit Batok

Blks 285 – 287, 290A – 290G & 291A – 291E Bukit Batok East Avenue 3 / Street 24

Geylang

Blks 27 – 29, 33, 41, 42, 55, 56, 92 & 92A Balam Road / Circuit Road /Pipit Road

Blks 28, 30, 56 & 9 Cassia Crescent / Pine Close

Woodlands

Blks 401, 406, 408 – 410, 413 – 418, 421 & 424 – 427 Woodlands Street 41

Blks 851 & 856 – 864 Woodlands Street 83 / Blks 601 – 605 Woodlands Drive 42

Blks 701 –713 Woodlands Drive 40 / 70 / Blks 744 –747 Woodlands Circle

Blks 714 –720 Woodlands Drive 70 / Avenue 6

Blks 659 – 664 Woodlands Ring Road

Pasir Ris

Blks 463 – 466 & 478 – 487 Pasir Ris Street 41 / Drive 4

Blks 531 – 543 & 564 – 569 Pasir Ris Drive 1 / Street 51

Blks 544 – 562 Pasir Ris Street 51

Blks 203 – 216 Pasir Ris Street 21

Blks 217 – 230 Pasir Ris Street 21

Blks 231 – 251 Pasir Ris Drive 4 / Street 21

Blks 180 – 199 Pasir Ris Street 11/12

Blks 500 – 521 Pasir Ris Street 52

Sengkang

Blks 229 – 236 Compassvale Walk

Tampines

Blks 491A – H, 492B – D, 493A – E, 494B, 494C, 495A – F, 496B – G Tampines Avenue 9 / Street 43 / 45

Blks 242 – 247 & 253 – 256 Simei Street 1/5

Blks 472, 474, 476, 477, 479 – 484, 485A, 485B, 486A – C, 487A – C, 488A, 488B, 489A – C, 490A & 490B Tampines Avenue 9 / Street 43 / 44 / 45

Blks 301 – 323 Tampines Street 32 / 33

Blks 371 – 374 & 381 – 396 Tampines Avenue 7 / Street 32 / 34

Queenstown

Blks 129 – 133 Clarence Lane

Blk 134, 135 & 139 Jalan Bukit Merah

Blks 3, 3A, 5, 30, 30A Holland Close / Blks 7, 7A Commonwealth Avenue

Jurong West

Blks 961, 965 – 966 & 974 – 980 Jurong West Street 92 / 93

Blks 810 – 832, 828A & 830A Jurong West Street 81

Blks 357 – 363 & 365 – 369 Yung An Road / Corporation Drive

Blks 752 – 761 & 764 – 766 Jurong West Street 74

Blks 833 – 853 Jurong West Street 81

Blks 115 & 321 – 336 Ho Ching Road/ Tah Ching Road/ Kang Ching Road

A budget exceeding $742 million has been allocated for these upgrades.

Initiated in 2007, HIP assists flat owners in addressing prevalent maintenance issues like spalling concrete and ceiling leakage, which occur due to the natural aging of older flats.

This year, flats chosen for HIP will use a new Corrosion Resistant Repair (CRR) method in bathrooms to reduce recurrence.

Although the CRR method is more expensive and time-consuming, it will be primarily used for repairing spalling concrete in toilets, where the issue is most prevalent.

For other areas, HDB will continue using the current localized repair method.

The program will also include upgrades to improve the general living conditions of these flats.

Will you or someone you know be affected? Spread the news!

The advantages of marrying a miser

Marrying/Married a penny-pincher?

Sure, your spouse’s frugal ways might drive you insane sometimes, but have you ever considered the perks of being hitched to a miser?

Before you roll your eyes… Hear us out.

Financial stability

Goodbye, money worries!

Your penny-pinching partner’s careful spending habits mean you’re less likely to get yourself into debt.

While your friends are maxing out credit cards, you will be sitting pretty with a healthy bank balance.

Your personal money guru

Think of your miser spouse as your very own financial advisor (minus the extra fees).

They are great at sniffing out deals and making investments; you will be building a nest egg that would make even Warren Buffett proud.

Who needs a lottery ticket when you’ve got a miser by your side?

Future-proofing your finances

With a miser in your corner, you’re likely to have a financial cushion to fall back on.

So when your car decides to throw a tantrum or your pipes’ got a leak somewhere, you won’t be left high and dry.

Budget consciousness

Ever catch yourself tossing out almost-empty shampoo bottles or letting food spoil in the fridge?

Image Credits: unsplash.com

Your thrifty spouse will put an end to that faster than you can say sorry.

They will influence you on what it means to stretch every dollar (and cent), making sure nothing goes to waste.

Long-term planning

Thinking ahead pays off

Your miser’s money meticulous character means you’re likely to have a solid retirement plan.

While others are scrambling to save near retirement, you will be sipping cocktails on a beach, thanks to decades of savings.

Weathering life’s storms

Your miser’s habit of living way below your means also ensures you’re always prepared for life’s lemons.

A sudden job loss or an unexpected medical bill doesn’t sound so scary anymore.

Minimalism and mindful spending

Embracing the simple life

When you’re with someone who’s very cautious with cash, you start seeing the beauty in less.

No more drowning in stuff you don’t need but want.

Thoughtful purchases, fuller wallet

You will probably find yourself asking, “Do I really need this?” before every purchase.

It’s not about depriving yourself, but about making smart choices.

Marrying a miser isn’t all doom and gloom. Yes, you might have to fight for every penny spent on fun stuff, but your frugal spouse is basically a human ATM, helping you save for the future especially when you’re not too good at it. Plus, you will become a pro at finding ways to live life on the cheap. Who knows, you might even find yourself enjoying clipping coupons and hunting for promotions yourself?

Best Way To Understand Forex for Beginners

Which are the best ways for a beginner to understand forex? Learn about these different methods and how they help newbies in this market.

The rise of foreign exchange (forex or FX) trading has been quite dramatic. It has risen from around $1 trillion in the late 90s to over $8 trillion (according to the BIS Triennial Central Bank Survey).

Despite this immense value, much of the global population is still new to the foreign exchange market. This presents an exciting avenue for newbies, but it also presents challenges, given the complexities of online trading.

Thankfully, there are various ways to learn forex trading as a beginner.

Engage in Free Online Resources

The Internet is the first point of contact for first-timers who want to trade forex. Several economic aspects related to currencies may make some assume that university-level education is necessary.

However, forex is more of a discretionary activity. In other words, there is more than one way to skin a cat — even when all traders see the same chart.

Nonetheless, the Internet offers many free websites where you can learn about the currency market. Among these is Babypips, which uses a witty writing style to present all the basics of forex trading and break advanced concepts down in the simplest way possible. Newbies can navigate structured lessons through a free course that offers certification.

Other notable websites include Investopedia and DailyFX. While using a slightly more advanced tone, both resources are as comprehensive as Babypips. Thankfully, these are free platforms that provide excellent material.

Read Books on Trading

Nowadays, reading books is often seen as a forgotten pastime. Luckily, new traders can access many insightful works online related to forex, which have stood the test of time.

Below are some recommended titles to enjoy:

Market Wizards: Interviews with the Top Traders (1989) by Jack Schwager: This book covers interviews with famous, high-net-worth traders of the past, from Paul Tudor Jones to Bruce Kovner. While not exclusive to forex, the interviews provide many valuable lessons beginners can apply in the former.

Other newer versions of the Market Wizards series exist with 1992, 2001, and 2020 editions.

Trading in the Zone: Master the Market with Confidence, Discipline, and a Winning Attitude’ (2000) by Mark Douglas: As with Jack Schwager’s book, Trading in the Zone is less about forex but a must-read for all traders. Many consider this body of work as a masterpiece in trading psychology.

However, the late Douglas went beyond the latter concept, covering other technical yet interesting topics such as probabilities, financial risk, and market randomness.

Day Trading and Swing Trading the Currency Market (2015) by Kathy Lien: Kathy is a relatively young forex trader and author who contributes her high-level analysis to platforms like CNBC and Bloomberg. In its third edition, this book focuses more on trading currencies, covering advanced technical and fundamental analysis.

Join Forums Online

While trading is typically a personal activity, beginners can feed off the knowledge of other experienced traders in dedicated communities. These include Forex Factory, Babypips, Forex Peace Army, and the forex subreddit (r/forex) on Reddit.

One advantage of these discussion boards is that beginners can ask any question and get an excellent response from an existing trader. They are also a place of heated yet eye-opening debates. If you’re lucky, you may gain ‘top secret’ information from a generous, profitable trader or, at the very least, rare tips and tricks.

Use a Demo Account From a Reputable Broker

A demo account is essential for any first-time trader to learn about forex and test their strategies without financial risk. Even experienced participants will switch to this demo account from time to time to make tweaks or simulate a new trading system.

It’s also crucial for beginners to pick a reputable Singapore forex broker during the demo stage. Ultimately, the aim is to transition into a live account. Yet, using the right broker enhances the experience and ensures one receives the best trading conditions.

Get a Copy Trading Account

Even during the learning stage, newbies can earn while they learn by using a copy trading account during the learning stage. Copy trading is a system where you connect your account to an experienced trader whose positions get replicated automatically to your account.

Unfortunately, this avenue does come with a financial commitment. So, it’s not for everyone. Yet, it’s also a way to learn about trading currencies. Copiers can split their funds across many strategy providers. This exposes them to various trading methods and crucial performance metrics like drawdown, gain percentage, and profit factor.

Exploring the Numerous Ways To Learn Forex as a Beginner

The number of forex participants has yet to reach its full potential. This means millions of beginners are eager to engage in the most traded financial market.

Thanks to the Internet, the barrier to entry is low, and you can understand the game from several websites, books, online forums, a demo account, and a copy trading account. So, there is no single best way to learn forex. However, experience and never-ending learning are necessary.

What if your husband wants a baby but you’re not ready to sacrifice your career for it?

You’re reading this because you’re not quite ready to trade your office wear for maternity wear.

Balancing career ambitions with motherhood is tough, but even tougher when your partner’s biological clock is ticking louder than yours.

How should you approach this issue?

Well, both of you have valid feelings and your husband’s desire for a mini-me is just as real as your “love” for your job.

Chat about your hopes, fears, and dreams; maybe there’s a compromise hiding somewhere.

What are your options?

Delaying parenthood

Who says you need to have a baby right now? Consider setting a future timeline that works for both of you. Perhaps in a few years, you will feel more ready.

Alternative paths

Freeze those eggs, girl! It’s like pressing pause on your fertility clock.

Career flexibility

Look into flexible work arrangements, remote options, or even part-time gigs. Some employers can be very accommodating (or should be soon).

If you don’t already know, all employers must have a process for workers to request flexible work arrangements starting in December.

Here’s a quick summary of the abovementioned linked news article:

From December 2024, all employers in Singapore must have a process in place for workers to formally request flexible work arrangements.
Employers have two months to decide on such requests and must provide reasons if a request is rejected.
The guidelines aim to make it easier for employees to request flexible work arrangements while acknowledging employers’ right to decide work arrangements.
Flexible work arrangements include flexi-place (working remotely), flexi-time (adjusting working hours), and flexi-load (part-time work or job sharing).
Employees should make requests responsibly, considering the impact on workload and performance. Employers should explore ways to accommodate requests where feasible.
Tripartite partners will provide support to employers to implement flexible work arrangements effectively, including training and funding.

To make a formal flexible work arrangement request, click through this link to access Tripartite’s guidelines.

Seeking support

You can also consider booking a session with a marriage counselor or family therapist to gain an unbiased perspective and let them be the guiding compass you need.

Or grab teh/kopi/bubble tea with a friend who’s been there, done that.

Also, it’s good to investigate your workplace support options. Are there flexible parental leave policies or back-to-work programs? Chat with HR on what’s available.

Making a decision

Setting goals together

As a team of two, write down your short-term and long-term objectives. Where do you see your career in 5 years? What about your family life?

Flexibility is key

Life likes throwing us lemons, so keep an open mind.

Maybe you can find an in-between, like delaying parenthood for a year or two while you go chase after some career milestones.

Or perhaps there’s a way to balance both without sacrificing either?

Don’t be afraid to voice your concerns. Your career matters too. Take time to think it through and don’t let anyone pressure you to make an immediate decision. Whatever you decide, make sure it sits well within you. Your life goals are just as important as his.

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