As I understand that from woodland need to take a MRT to MacPherson. That the nearest mrt station. Just want to find out are there any bus to travel there after the station.

This is my first time traveling there.

Guys,

I need to arrange a first-time "in-laws meet-up" (my family + fiancee's family) dinner this weekend. Any recommendations? About 10 ppl, I'm paying all so I don't feel like going swanky, think I can feed 10 mouths in a proper dinner for like $300?

Currently thinking of Seafood International cos food is "ok" and not too expensive, but that's only cos I don't know of any other places ...

Don't be a slave for hdb owner forever. If possible Own the place you stay, pay installment is better than paying rental that only helps others buying their house.

Don't you want financial freedom and peace of mind one fine day?

Married early will combine two incomes as one to take up any early opportunity but your are right about single enjoying life more.  The question is for how long do you really want to enjoy that way.

I think the fresh grad pay is closer to 3k~3k+ now. If both partner had been for ~3 years then the CPF should be just nice to cover deposit, a little saving from both side to cover other fees... can be done. If each of you earn more than 5k after 5 years working then you cant buy hdb anymore so the SG gov is kind of encouraging young couple to settle down early.

I see young people are paying much higher price for the new HDB and most of them MUST have 5 figures renovation work done before move in.  wonder how they did it.

ok I am not accountant so this is just my idea,

say your monthly contribution is $1080 now (3k salary x 36%), by then end of 3 years should have about $40k in your CPF factor in  salary increment and possible bonus etc. Two person will have $80k.

say you can pay the 20% downpayment only with CPF without cash then you two can actually buy a under $400k hdb right?
One warning for you, make sure there will be no further "upgrading program" if you are buying an old flat. You will be surpise to know how much a PR have to pay for such upgrading.

Hold on to the removation to maintain your cash flow, simple repair and painting etc can DIY. Sometime the owner need extra time to move out, then you can try offering them to stay in your flat a few month in return for lower COV.

Login to your cpf account to see the max amount you can use for housing.

Cpf and hdb rules are always changing. Better check with them what is the current limit. It was easier years ago.

I thought for cov we need to pay by cash, and is on top of the 20% loan amount down payment ?