GIF from GIPHY The fact that it is such a foreign concept also made me think of the worst that can happen, and I sure as hell didn’t want to end up bankrupt from uninformed investment choices at such a young age.
GIF from GIPHY However, like what DollarsAndSense.sg wrote in an article about investing with just $100 a month in Singapore, “Setting aside a large sum of money and acquiring extensive knowledge before you actually start investing is not only unnecessary and impractical, it may not even be the ideal situation.” As for 26-year-old Billy who paid to learn from investment courses, his challenges were figuring out what stocks to buy and which platform to use when he first got started at 22. And it was a nerve-wrecking process of trial and error before he got the hang of things. Even for Daniel and Billy today, they still find themselves lacking time to monitor their investments. That’s where technology like the new robo-investing service comes in.
“Are you sure it’s mine?”I didn’t expect much from him as he never signed up to be a parent. But neither had I. After all, I was only 16. After knowing that I had to deal with my pregnancy on my own, I panicked. I realised I had two options - I could either give birth to the child and somehow find a way to bring him or her up alone or I could get an abortion. When I thought about the life growing inside me, I knew there was no way I would be able to give him a life that he deserves - one with stability and a happy family, where he would be wanted and loved. But the thought of getting an abortion was heartbreaking as well. Taking a life isn’t something that I could turn back from. Once done, it was done. I’d have to live with that decision for the rest of my life. I kept asking myself: Was I prepared for that? Could I live with myself after that? The week that followed was torturous. I had decided that getting an abortion was the best option for me at the time. It took me a lot of strength to make the call to book an appointment for the abortion. At that point, I had only told two people about my pregnancy - my father and my best friend. I wasn’t expecting the reaction I got from my father. I wanted him to scold me, scream at me, tell me how wrong I was for not listening to him. But he didn’t do any of those things. He didn’t say anything and just quietly paid for the abortion. I knew that I had disappointed him. And I knew I didn’t deserve his help.
“I’m sorry, but I don’t have a choice.”I woke up relieved that the procedure was over, but at the same time, I felt a wave of bottomless sadness. I still felt guilty. That night, a child appeared in my dreams. In the dream, I saw the back of the child seated on a chair. I remember feeling terrified as I stared at the child’s head, unable to move. I woke up in tears that night. I cried myself to sleep every night and woke up crying every morning as the nightmare became a recurrent thing. The fear and crying in the middle of the night became a vicious cycle and was one of the most dreadful periods of my life. Thankfully, the nightmares stopped a month later.
I had made so many mistakes in the past, and now I felt nothing about killing a child.Does that make me a horrible person?
“It felt like the world just stopped.”It was at that point that Crow started reflecting and decided to leave the gang. At 19 and serving NS however, it wasn’t long before Crow found himself back in the predicament of going back to his old days due to financial pressures. With $350 of his $520 monthly allowance going towards the rental of his mum’s flat, the remaining was barely enough to cover utilities, food, and transport among other expenses. He started selling cigarettes to earn and eventually succumbed to selling drugs when the bills piled up. One thing led to the other and he was soon back in his old gang. This time round, as a headman of a particular territory with over 20 boys under him.
“I knew what I was doing wasn’t right but I never imagined actually being in prison.”Prison life was undoubtedly hard and it took him more than a year to accustom himself to the new life. Facing four walls all day, losing the freedom to do what he wants to do, and having to perform the same routine over and over again was a huge mental challenge. The hardest part, however, is that there was no ‘end date’ to all of that because he did not know when he was going to be released, or whether he was even going to be released. Many times, Crow had to distract himself from such depressing thoughts by doing things he never would have done prior, like reading. Disgruntled by how the legislation could lock anyone up without any release date, he decided to ‘take revenge’, “I was thinking that since they are going to do this to me, fine, I will take full advantage of whatever facilities or resources they have.” Who knew that that motivation was what became the turning point of Crow’s life. After getting into Prison School and realising that he could actually do anything well if he puts his mind to it, he went on to complete his O-levels and A-levels there. Most of all, as he was exposed to more knowledge, he begin to realise what he wanted to do when he gets out. “I want to be a better me, to do good things for myself and for people. If not for myself, I owe it to all my loved ones who have visited me to do so.”
"Exam period was the only time I could get my son to study properly. It’s going to be hard to get him to study now." - Lavenia, parent of 7-year-old in P1Like NTB2DO in the screen capture above, several users on the HardwareZone forum have been discussing the move since MOE’s announcement. While a handful of these users were just complacent Singaporeans without children, just eager to put their opinions out there, there is an abundance of those who shared their legit concerns on what this would mean for their children’s future. We cannot expect children (or anyone) to enjoy taking exams, but it’s undeniable that exams have significantly pushed many children to be a little bit more disciplined and studious. We also can’t deny the amount of distractions kids have these days. Back when millennials were children ourselves, all we had were our Barbie dolls, Game Boy and a handful of other toys and we still managed to get distracted. Just look at how many distractions kids have today. “I’m definitely worried that my son will spend more time playing more games and what not," says Lavenia. Could this mean more pressure for parents to supervise their children?
“I would want my daughter to be exposed to going through an exam in P1 or P2 at least, because she’d have more time to warm-up before her streaming year.” – Ilena, parent of a child enrolling into P1 next yearWith the pressure from their parents, coupled with how they're going to be introduced to 'the exam environment', students could find themselves in a more stressful situation than before.
“I feel intense pressure coming from kiasu parents all around me. The competitive academic culture and the pressures that it places on parents and thus on children are very real.” - Germaine, parent of a child enrolling into P1 next yearAccording to Germaine, parents around her are sending their kids for enrichment classes that teach them to read, spell, and solve math problems way before the enter primary school. Everyone wants their child to be the best in the race, and this consequently contradicts MOE’s stance of wanting to focus more on kids’ personal development over academics in the first two years of primary school.
“If parents and teachers continue to stress over the consequences of not getting good grades, we’ll be right back where we started.” - Esther, parent of 7-year-old in P1
"The Grass Is Greener On The Other Side"For many millennials, studying or working overseas are opportunities we wish to experience at least once in our life. Cold weather, a slower pace of life, the freedom, and the impression of a generally better employment package are things we associate with life abroad. Also, who can pass up on the chance to travel and explore a bit of the world under the guise of study or work? In fact, a study released in July where 1000 Singaporean citizens and PRs were surveyed, seven in 10 (69%) want to work remotely to travel the world, and 85% of them would like to live abroad for some time. Unsurprising, considering how many wanderlusters you will find just by browsing through Instagram profiles. The study done by online money transfer service Transferwise also covered the concerns Singaporeans have about living abroad, with 56% surveyed envious about other Singaporeans ability to move out of the country. We dream of greener pastures, of a better life and better prospects outside of Singapore, but is it really rainbow and butterflies as we envision? To better understand the realities of living abroad, we spoke to four Singaporeans who have actually gone through it themselves.
And the downsides?
Being away from my parents also meant that Mum wasn’t around to help me solve my problems anymore. I learnt to appreciate the basic things in Singapore like fast internet speeds, convenient public transport and food. What are some important factors that people should consider before moving abroad? It is all the little things you don’t think about until you’re there. You have to be mentally ready to miss out on all the important events back at home, like gatherings or not being able to watch your baby relative grow up. Or the internet speed: The average internet speed in the UK is 16.5mbps, while it’s 180mbps in Singapore. Then there’s culture, safety and security. Live here or live abroad? I have thought about migrating because of the high costs of living in Singapore. I feel like we’ve stagnated in growth as a country while everything is becoming increasingly expensive. I may be wrong but at least that’s my general feeling about life in Singapore. For now, I’m staying here as I just came back from UK and do want to spend time with my family.Attributing her strength to her religion, Mdm Rebecca emphasised on how a positive mindset helped tide her through the hardships. “Life is temporary and all these challenges are part of life. I don’t cry easily because crying doesn’t change anything. I just do my best with what I have and I pray for the best.” As I chatted with Mdm Rebecca at her doorstep while volunteers from the Young NTUC- North East CDC Project Refresh were cleaning up her unit and giving the walls a fresh coat of paint, I couldn’t help but admire her for her resilience.“My mother had already suffered. I don’t want my cousin to go through the pain of what my mother had to go through.”
Her fizzy, greyed hair and gaunt face tells of a woman who is still facing adversity, but Mdm Rebecca’s strong spirit is refreshing and humbling. She spoke about helping neighbours in need and counselling her friends and their children. Her empathy in prioritising other people’s problems above so many of her own made me feel a mix of guilt and respect.
Having come from a relatively privileged middle-class background, I couldn't comprehend the significance of her struggles until I stepped into her home. Mdm Rebecca’s home is about as big as a typical HDB flat’s living room, with a small corner as kitchen and a toilet right beside it. The only bed in the flat is taken up by her cousin. As such, volunteers from Project Refresh brought in a foldable mattress for her and a desk fan. Part of the project’s efforts to improve the standards of living for the underprivileged, volunteers also helped to clean the flat, paint the walls, tidy up the home, and change the flat’s light bulbs to more cost-efficient ones as part of the ‘Switch and Save - Use LED initiative’. Project Refresh’s first session in 2016 started off with just 30 volunteers covering five units. With more and more volunteers coming onboard, the Project Refresh session I was at on 18 August saw more than 350 volunteers coming together to spruce up 38 rental units. Many think that millennials are a strawberry generation of entitled and spoilt ‘kids’. That day, however, 60% of the volunteers I saw were millennials. For 23-Year-Old Jamie*, what they do “may not change the whole world but at least we’re able to impact someone’s life directly.” As her full-time job requires her to deal with wealthy people who live in luxury and never having to worry about basic necessities, volunteering with Project Refresh and learning about the lives of underprivileged people like Mdm Rebecca is a way for her to “feel like human again.” Year 2 student at Nanyang Polytechnic (NYP), Kelvan, was another volunteer I spoke to. Kelvan and four of his NYP classmates were painting the walls of Mdm Latifah’s unit (another resident) when I chatted with them. Still recovering from an operation to treat her osteoarthritis of the knee, 56-Year-Old Mdm Latifah is living on just $210 a month from financial assistance, and food rations from a mosque. Divorced for 30 years, she brought up her only son, who was four back then, all by herself. On some days, Mdm Latifah would even go without food so she can save money. Like many elderly and the underprivileged, loneliness is one of the many challenges for her. With no one to talk to or help her with problems, she could only cope with the struggles of a single mother without child support from the father by going for religious classes. “I have 9 siblings and my father, but I don’t want (to bother them). Everyone’s got their own problem.” Volunteering projects like Project Refresh goes beyond the physical act of cleaning up the home. It is showing the beneficiaries that there are people out there who do care for them. The interaction among the volunteers and the beneficiaries could create strong emotional bonds too. Volunteering with Project Refresh for the second time on his own accord, Kelvan decided to sign up again because of the sense of accomplishment and the appreciation he got from the family he helped the first time round. “A couple of us from the last project even went back to visit the family. The children and the parents were just so appreciative and warm. It’s back-breaking work, but I came back because it’s very heartwarming and fulfilling.” Mdm Latifah and Mdm Rebecca are just two of the many underprivileged who live in completely different worlds that most Singaporeans will never experience. “Seeing the conditions they live in, it makes us appreciate the things we have,” Kelvan added. Growing up in a comfortable era where we got to enjoy quality education, a stable economy, and a generally more privileged lifestyle compared to our earlier generations, it is hard to dispute the fact that millennials do demand more. However, we are also a generation that wants to do more.Although Wee Kiat claims that the Patreon page was started due to overwhelming feedback from their fans, his unfortunate history coupled with the ‘pay to get exclusive photos or time with our girls’ campaign messaging was undoubtedly a recipe for disaster. In an attempt to address the negative allegations against him, one of Wee Kiat’s reply was: “Funny thing is, those who are perverting my intentions aren’t the girls I work with and see me and know me. Heck, they aren’t even people who follow SgInstaBabes and have seen the stories and posts we made. They are people who are here because of drama and made assumptions based on shallow judgments. And they don’t care about the accuracy of what they say. They just wanna jump on the bandwagon. Hence, empty vessels make the most noise.” So, I decided to reach out to several girls who have not only seen but worked with Wee Kiat personally to see just how 'shallow' the current public assumptions or judgments are. On promise of anonymity to protect their identities, here are their first-hand experiences
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