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Showing posts from November, 2016

Making a four- room HDB functional for less than $8,000

I just moved into our 4- room resale HDB flat , and we made it functional in less than $8,000! Notice, I didn't use the word renovate as we didn't hire people for renovation works. As such, let's use the term functional here. Initial Condition of the Home Before we moved in, the home came with the following: In- tact flooring tiles Adequate power points Available fibre optic point and television point Lighting switch is still working (though many bulbs were blown) Home came with concealed ceiling (which is bad for modification - so a decision not to rewire or change anything about the lighting except for the bulbs) Kitchen cabinet is still usable Kitchen Stove is still usable Paint still looks okay Windows and window grilles are in- tact Curtain rails are available Functional Sink/ taps/ drains Working Air- Conditioner Functional interior doors and exterior door/ gate Project Goals My partner and I made a decision not to engage interior d

Are you making full use of your company benefits?

It's coming to the end of the year, and the first thing on many of my colleagues' mind is ensuring all their benefits are claimed. In addition to medical benefits, my company provides dental benefit, optics benefit and ... health benefits. I have always claimed my entitlement each year for dental and optics, but since I joined my company, I have never claimed the health benefits. You see, the health benefit involves signing up for fitness lessons, or gym membership. LESSONS. Not equipment (i.e. shopping). It means commitment after work hours. Exercising But it's silly not to use the benefit just because of laziness, yeah? It's like your "pay" given to you in another form, but you just didn't go collect it because you are lazy.  As such, with that, I have spent hours looking at exercises/ fitness courses to sign up for. And yes, I did sign up for courses. It's a regret that I only realize the importance of using this benefit now. I