Best Deposits for Guaranteed Income to look forward in May 2024

Singapore offers several guaranteed income instruments to its residents. Here are some common ones:

1. **Singapore Savings Bonds (SSBs)**: 

These are a type of government bond issued by the Monetary Authority of Singapore. SSBs offer a low-risk investment option with a fixed interest rate and the flexibility to redeem your investment at any time without penalty for 10 years. As of end April the average interest rate is @3.06%. Take note that the max. amount you can hold is $200k in Singapore savings bonds in total for the SSBs. There is also a $2 fee that will be incur when you purchase and redeem the Singapore Savings Bonds. Base on projection, it should remain @3.06%. The advantage for this is if you have extra cash sitting around idling in the bank, should consider to put inside the SSB. You will earn extra interest than put in a Bank Savings account. In the event if you need to liquidate your money in the SSB, it provides the flexibility of getting the principal back and interest of the month back to you. You can apply for SSBs in the 3 local banks (DBS, UOB, OCBC) through internet banking.

1. **T-bills**

T-bills are giving a higher percentage. It is giving 3.74% for 6 months and 3.54% for 1 year. The amount you can apply is up to $1,000k for any bonds that are open. Take note though you will need to hold your bonds until maturity. The advantage for T-bills is that you get your interest upfront. Take for example if you have invested $1k, you will get $18.70 in the bank account for the 6 months bond. After which you will get back the $1k when the 6 months holding period are met. There is also no $2 fee incur like the Singapore Savings Bonds. You can apply for T-bills in the 3 local banks (DBS, UOB, OCBC) through internet banking.

3. **Fixed Deposits**: 

Banks in Singapore offer fixed deposit accounts where you can deposit a certain amount of money for a fixed period at a predetermined interest rate. These are considered low-risk investments as they are typically backed by the bank's stability. Take note though the interest rate for fixed deposit has been dropping from 4% till 2.6% ~ 3.5%. Do note for fixed deposit you can withdraw your principal anytime but you will lose the interest if you did not hold it till maturity. 

Table of Banks from lowest to highest rate

4. **Annuities**: Insurance companies in Singapore offer annuity products that provide a guaranteed income stream for a specified period or for life, in exchange for a lump sum or periodic payments. Personally i will not recommend the annuity products as nothing beats the CPF Life unless you know that you will not able to live a long age and then annuities make sense if not i would rather pump the cash to CPF Life to beef up the retirement. 

5. **CPF LIFE**: The Central Provident Fund (CPF) is Singapore's mandatory social security savings plan. CPF LIFE is an annuity scheme that provides a monthly payout for life starting from a certain age, usually from the age of 65, using the member's CPF savings. Base on the new ruling from 2025 onwards, CPF members got the option to top up to 4x BRS (Basic retirement sum) when they reach age 55. This enhance retirement should be able to afford retirees from age 65 onwards a comfortable living toward the twilight years. Personally i feel that the Government can encourage people to further top up to Enhance Retirement sum before age 55 meaning can contribute cash or ordinary transfer till the amount reach 4x BRS instead of only 2x BRS. This will enable members to meet ERS faster and a piece of mind during 65.

5. **Endowment Plans**: These are insurance savings plans that provide both protection and savings elements. They typically offer guaranteed returns over a specified period and may include bonuses depending on the performance of the insurer. The term could be 10 years afterwhich an accumulation period of 10 years before having a fixed payout of 20 - 30 years. Personally i would rather invest it into other plans like CPF life, fixed deposits, tbills, SSBs. I can enjoy liquidity and the higher interest rates compared to Endowment plans. 

Before investing in any guaranteed income instrument, it's important to consider factors such as your investment goals, risk tolerance, and investment horizon, and to conduct thorough research or seek advice from a financial advisor.

Tuition in Singapore for Primary 3 and Pre-Primary

I must confess. I always thought that Tuition is not really required and we can save money by teaching or coaching our children. So i can save up for their education when they go to University. Boy i was wrong. The foundation they need to cultivate when they are young so that they will keep up the habit of learning when they grow up. Necessary money to spend if i can afford it so that when they go to polytechnic or University, they will be able to hold up on their own and get the first diploma or degree. 

After doing some research and asking my friends where their sons and daughters have grown up and went to University. They share with me, the Chinese language is difficult to master and need to learn it when they are young. So i enrolled my daughter in a Chinese Class. It pays off. My daughter was able to cultivate her interest in Chinese and her marks have improved. It was a worth while investment. I also enrolled my daughter in English tuition class so that she will be able to inteprete on the questions from Maths and Science. Both these classes total cost $400 per month. For my younger daughter, we enrolled her into the Maths and Science class whereby the cost is $90 per momth. 

Whether tuition is necessary for primary school students in Singapore depends on various factors, including the individual needs and circumstances of the child, as well as the expectations of parents and schools. Here are some points to consider:

1. **Academic Performance**: Some parents may opt for tuition to help their children achieve better academic results, especially if the child is struggling in certain subjects or aiming for top scores. Tuition can provide additional support, reinforcement, and personalized attention to help students grasp concepts more effectively.

2. **Competitive Education System**: Singapore's education system is highly competitive, with rigorous standards and high expectations for academic achievement. As such, parents may feel pressure to enroll their children in tuition classes to ensure they keep up with their peers and perform well in exams.

3. **Supplementary Learning**: Tuition can complement the curriculum taught in schools by providing supplementary learning materials, practice exercises, and exam preparation. Some tuition centers offer specialized programs or enrichment courses that may not be available in schools.

4. **Individual Learning Needs**: Every child has unique learning preferences, strengths, and weaknesses. Tuition can be beneficial for addressing specific areas of difficulty or catering to individual learning styles. Tutors can tailor their teaching approach to meet the needs of each student and provide personalized feedback.

5. **Parental Expectations**: In some cases, parental expectations or societal norms may influence the decision to enroll children in tuition classes. Parents may perceive tuition as necessary to ensure their children receive a well-rounded education and have the best opportunities for future success.

6. **Balancing Extracurricular Activities**: Many primary school students in Singapore have busy schedules filled with schoolwork, extracurricular activities, and family commitments. Tuition classes may help students manage their workload more effectively and stay on track academically.

However, it's essential to recognize that tuition is not always necessary or suitable for every child. Some students may thrive academically without additional support, while others may benefit more from alternative forms of enrichment, such as sports, arts, or volunteering. It's important for parents to consider their child's overall well-being, interests, and happiness when making decisions about education and enrichment activities.

Ultimately, the decision to enroll a child in tuition should be based on careful consideration of their individual needs, goals, and learning preferences, as well as open communication between parents, teachers, and the child themselves.

Free Playstation 5 from Credit Card Spending

Recently i got my playstation 5 console (digital version) free after getting the Standard Chartered Bank credit card which I applied for it last year November. I spend $500 overseas as i was travelling with my family for Cruise and a short trip to Malaysia. After 3 months, Singsaver sent me an email that i qualify within the spending and send me a e-gift card to redeem my free gift. It has been almost 20+ years since i have a console. I still remember my first console was Sega back in year 1994 which i bought it with my part time work as a caddie in keppel country club. After which i also bought a nintendo and a playstation 1 during my army days. After which my playstation was spoilt and i progress to Desk top gaming which is DOTA (warcraft 3 customised game). Then when i was at age 30+ i kinda of stopped gaming as i have other interests and hobbies. 

So this is not the freebie i gotten from Credit card before. I also got a chair and a ipad from the credit card promotion. Normally i will cancel the credit card after 1 year+ when i got freebie and when i have not much usage of the credit card. As the set back of having a lot of credit cards, i will need to keep track when the annual fee crops up on my payment screen. That is where i need to decide whether to keep the card or cancel it because of the annual fee. Right now i have 5 credit cards with me. I will definitely need to cancel it if i am no longer using it. 

Credit card issuers in Singapore often offer various perks and freebies to attract customers and encourage card usage. These freebies can range from welcome gifts and cashback rewards to travel benefits and dining privileges. Here are some common freebies you can get with credit cards in Singapore:

1. **Welcome Gifts**: Many credit cards offer attractive welcome gifts to new cardholders upon approval or meeting minimum spending requirements. These gifts may include vouchers, bonus reward points, or electronic gadgets.

2. **Cashback Rewards**: Some credit cards provide cashback rewards on eligible purchases, allowing cardholders to earn a percentage of their spending back in cash. These cashback rewards can add up over time and provide savings on everyday expenses.

3. **Miles Rewards**: Travel credit cards often offer miles rewards for every dollar spent, which can be redeemed for flights, hotel stays, and other travel-related expenses. Cardholders can accumulate miles over time and enjoy discounted or complimentary travel benefits.

4. **Dining Privileges**: Certain credit cards offer dining privileges such as discounts, complimentary dishes, or free drinks at participating restaurants, cafes, and bars. These perks can be particularly appealing for food enthusiasts and frequent diners.

5. **Shopping Discounts**: Some credit cards provide exclusive discounts, promotions, or access to sales events at partner merchants, online retailers, or department stores. Cardholders can enjoy savings on retail purchases, electronics, fashion items, and more.

6. **Travel Benefits**: Premium credit cards may offer travel benefits such as airport lounge access, complimentary travel insurance, priority boarding, and discounts on travel bookings. These perks can enhance the overall travel experience and provide added convenience and security.

7. **Entertainment and Lifestyle Rewards**: Certain credit cards offer perks related to entertainment and lifestyle activities, such as movie ticket discounts, concert presales, VIP experiences, and access to exclusive events.

8. **Annual Fee Waivers**: Some credit cards may waive the annual fee for the first year or offer annual fee waivers based on meeting spending requirements. This can help cardholders save money on card ownership costs.

9. **Balance Transfer and Installment Plans**: Credit cards may provide promotional offers for balance transfers or installment payment plans with low or zero interest rates for a specified period. These offers can help cardholders manage debt and finance purchases more affordably.

10. **Reward Points Redemption**: Many credit cards allow cardholders to redeem reward points for a wide range of items, including merchandise, gift vouchers, air miles, hotel stays, dining vouchers, and charity donations.

Before applying for a credit card based on its freebies and perks, it's essential to consider other factors such as interest rates, fees, terms and conditions, and how well the card aligns with your spending habits and financial goals. Additionally, make sure to read the fine print and understand any eligibility criteria or restrictions associated with the freebies offered.

50 ways to keep fit in the western region of Singapore

 Here are 50 ways to keep fit in the western region of Singapore:

1. Jog or run along the scenic paths of Jurong Lake Gardens.

2. Explore the trails of Bukit Batok Nature Park for a challenging hike.

3. Join a community sports team at Jurong West Stadium.

4. Practice yoga at one of the parks in the Jurong area.

5. Take a brisk walk around West Coast Park and enjoy the sea breeze.

6. Rent a bicycle and cycle along the Jurong Park Connector.

7. Try rock climbing at Climber's Laboratory in Jurong East.

8. Join a dance class at a community center in Jurong.

9. Swim laps at Jurong West Swimming Complex.

10. Play a round of frisbee with friends at West Coast Park.

11. Take advantage of free outdoor gym equipment at Jurong Lake Gardens.

12. Participate in a charity run or walk at Jurong Lake Gardens.

13. Join a group fitness class at a community center in Jurong West.

14. Explore the trails of Bukit Batok Town Park (Little Guilin) for a scenic walk.

15. Try stand-up paddleboarding at Pandan Reservoir.

16. Play a round of golf at Jurong Country Club.

17. Learn martial arts like taekwondo or karate at a local gym.

18. Go kayaking at Jurong Lake or Pandan Reservoir.

19. Attend a boot camp-style fitness class at a park in Jurong.

20. Practice mindfulness and meditation at Chinese Garden.

21. Take a dip in the pool at Jurong West Swimming Complex.

22. Join a running club or group in the Jurong area.

23. Rent a kayak or canoe and explore the waterways of Jurong.

24. Join a recreational sports league for football or basketball.

25. Go bouldering at Climber's Laboratory in Jurong East.

26. Try out a new sport like dragon boating at Jurong Lake.

27. Participate in a fitness challenge with friends or coworkers.

28. Take a scenic walk through Jurong Bird Park.

29. Join a free outdoor fitness boot camp session at West Coast Park.

30. Sign up for a water aerobics class at a local pool.

31. Explore the trails of Clementi Woods Park for a leisurely walk.

32. Join a recreational sports league for tennis or badminton.

33. Try out a new water sport like wakeboarding at Jurong Lake.

34. Go birdwatching at Sungei Buloh Wetland Reserve.

35. Attend free outdoor Tai Chi sessions at a park in Jurong.

36. Take a fitness-focused walking tour of Jurong.

37. Join a meetup group for outdoor enthusiasts in the west.

38. Try out a high-intensity interval training (HIIT) workout at a park.

39. Take a leisurely stroll through Chinese Garden.

40. Join a dragon boat team and paddle on Jurong Lake.

41. Play a round of soccer at Jurong West Stadium.

42. Go rollerblading or roller skating at West Coast Park.

43. Join a group for outdoor CrossFit workouts in the west.

44. Take a leisurely bike ride around Jurong Lake.

45. Try out a beachside yoga session at West Coast Park.

46. Go fishing at Jurong Fishing Pond.

47. Join a cycling club and explore the bike trails in the west.

48. Take a hike up Bukit Timah Hill for a challenging workout.

49. Play a round of beach volleyball at Sentosa's Siloso Beach.

50. Participate in a community gardening project in the west.

These activities offer a variety of ways to stay fit and active in the western region of Singapore, catering to different interests and fitness levels. 

I watched the Season 2 of the physical 100 and was inspired by the team work and the grit and determination the contestants showed. It showcased of different body types and attitudes and also luck. I can't wait for the Season 3 of the physical 100. 

Swimming in Singapore

The time it takes to learn how to swim varies greatly depending on several factors, including individual abilities, comfort in the water, previous experience, and the level of proficiency one aims to achieve. Here are some general considerations:

1. **Comfort in the Water**: Some individuals may feel comfortable in the water from the start, while others may have fear or anxiety about being in the water. Overcoming fear and becoming comfortable in the water is an essential first step in learning to swim.

2. **Age**: Age can play a role in learning to swim. Children often learn more quickly due to their adaptability and lack of fear, whereas adults may take longer to overcome any apprehensions and develop new skills.

3. **Frequency and Consistency**: Regular practice is key to learning any new skill, including swimming. Consistent practice, preferably with qualified instructors, can help reinforce proper techniques and build confidence in the water.

4. **Instruction**: The quality of instruction can significantly impact learning time. Working with experienced swimming instructors who provide personalized feedback and guidance can accelerate the learning process.

5. **Goals**: The time it takes to learn to swim can vary depending on one's goals. For example, someone who wants to learn basic water safety and survival skills may achieve proficiency more quickly than someone training for competitive swimming or advanced strokes.

6. **Physical Fitness and Coordination**: Physical fitness and coordination can affect how quickly someone learns to swim. Stronger swimmers with good coordination may progress more rapidly than those who need to develop these skills.

Generally, individuals can expect to learn basic swimming skills, such as floating, kicking, and basic strokes (e.g., freestyle, backstroke) within several weeks to a few months with consistent practice and instruction. However, achieving advanced swimming skills or mastering specific strokes may take longer, potentially several months to years of dedicated practice.

Singapore has several swimming complexes located across the island. These complexes offer various facilities such as lap pools, training pools, leisure pools, and water play areas. The cost is also quite affordable at $1.30 for an adult and $0.60 for a children during the weekend. Here is a list of some of the swimming complexes in Singapore and their locations:

1. **Singapore Sports Hub**: 1 Stadium Drive, Singapore 397629

2. **Jurong West Swimming Complex**: 20 Jurong West Street 93, Singapore 648965

3. **Jurong East Swimming Complex**: 21 Jurong East Street 31, Singapore 609517

4. **Yishun Swimming Complex**: 351 Yishun Avenue 3, Singapore 769675

5. **Woodlands Swimming Complex**: 3 Woodlands Street 13, Singapore 738600

6. **Bukit Batok Swimming Complex**: 2 Bukit Batok Street 22, Singapore 659581

7. **Bukit Panjang Swimming Complex**: 1 Jelebu Road, Singapore 677740

8. **Queenstown Swimming Complex**: 473 Stirling Road, Singapore 148949

9. **Toa Payoh Swimming Complex**: 297 Lorong 6 Toa Payoh, Singapore 319389

10. **Serangoon Swimming Complex**: 35 Yio Chu Kang Road, Singapore 545552

11. **Sengkang Swimming Complex**: 57 Anchorvale Road, Singapore 544964

12. **Choa Chu Kang Swimming Complex**: 1 Choa Chu Kang Street 53, Singapore 689236

13. **Kallang Basin Swimming Complex**: 7 Stadium Walk, Singapore 397696

14. **Tampines Swimming Complex**: 1 Tampines Avenue 4, Singapore 529684

15. **Pasir Ris Swimming Complex**: 120 Pasir Ris Central, Singapore 519640

16. **Hougang Swimming Complex**: 95 Hougang Avenue 4, Singapore 538830

17. **Delta Swimming Complex**: 900 Tiong Bahru Road, Singapore 158790

It's important to approach learning to swim with patience, perseverance, and a focus on gradual improvement. Additionally, always prioritize safety in and around the water, and consider seeking guidance from certified swimming instructors or programs to ensure a positive and effective learning experience.

In Singapore, several schools are known for their emphasis on competitive swimming and have established strong swimming programs to develop talented swimmers. These schools often have dedicated swimming facilities, experienced coaches, and structured training programs to support their swimmers' development. Some of the schools that are renowned for cultivating competitive swimming in Singapore include:

1. **Singapore Sports School**: Singapore Sports School is a specialized independent school that focuses on developing athletes in various sports, including swimming. It offers a comprehensive sports training program alongside academics and has produced many top swimmers who have represented Singapore in international competitions.

2. **Raffles Institution (RI)**: Raffles Institution has a strong tradition of excellence in swimming and is known for its competitive swimming program. The school has produced numerous national-level swimmers who have achieved success in local and international competitions.

3. **Anglo-Chinese School (Independent)**: Anglo-Chinese School (Independent) has a reputable swimming program and has produced several outstanding swimmers who have represented Singapore in major competitions. The school provides structured training and opportunities for swimmers to excel both academically and athletically.

4. **Hwa Chong Institution (HCI)**: Hwa Chong Institution has a competitive swimming program that focuses on developing swimmers' skills and abilities to compete at the highest level. The school has produced national-level swimmers who have made significant contributions to Singapore's swimming scene.

5. **Nanyang Girls' High School (NYGH)**: Nanyang Girls' High School has a strong swimming program and has produced talented swimmers who have represented Singapore in various competitions. The school provides opportunities for swimmers to train and compete while maintaining academic excellence.

6. **Singapore American School (SAS)**: Singapore American School offers a comprehensive swimming program that caters to students of all levels, from beginners to competitive swimmers. The school has excellent facilities and experienced coaches who help students develop their swimming skills and achieve their goals.

7. **Chinese Swimming Club (CSC)**: While not a school, the Chinese Swimming Club is a renowned institution in Singapore for competitive swimming development. It offers extensive swimming programs, coaching, and facilities to support swimmers of all ages and abilities in achieving their competitive swimming goals.

These schools and institutions play a crucial role in nurturing young swimming talents in Singapore and have contributed significantly to the country's success in competitive swimming on the national and international stages.

What are the 2nd hand shops online in Singapore?

In Singapore, there are several online platforms where you can find second-hand items for sale. Some popular ones include:

1. Carousell: Carousell is a popular online marketplace where individuals and businesses can buy and sell a wide range of items, including second-hand goods. You can find everything from clothing and accessories to electronics, furniture, and more. Carousell Singapore | Buy & Sell Goods, Cars, Services and Property I personally have used it over the years. I manage to sell some stuff here an there and also purchas of stuff.

2. Shopee: While Shopee primarily focuses on new products, it also has a section for preloved items where users can buy and sell second-hand goods. You can find various categories such as fashion, electronics, home appliances, and more.Shopee Singapore | Buy Everything On Shopee

3. Facebook Marketplace: Facebook Marketplace is another platform where users in Singapore can buy and sell second-hand items locally. It's integrated into the Facebook platform, making it easy to browse listings and communicate with sellers. Facebook Marketplace | Facebook

4. Reebonz: Reebonz is a luxury consignment platform where you can buy and sell preloved designer goods. While it primarily focuses on luxury fashion items, you can also find accessories, watches, and other luxury goods.Live Shopping Entertaiment (reebonz.com)

5. Refash: Refash is an online marketplace for second-hand clothing and accessories in Singapore. It specializes in women's fashion and offers a curated selection of preloved items from various brands.Singapore's Largest Secondhand Fashion Destination | REFASH

These are just a few examples of online platforms where you can find second-hand shops in Singapore. It's always a good idea to research and compare different platforms to find the best deals and selection for your needs. Additionally, be sure to exercise caution when buying second-hand items online and verify the authenticity and condition of the products before making a purchase.

50 activities or skills to pick up for a preschool child in Singapore

Engaging preschool children in a variety of activities and skills is important for their overall development. Here's a list of 50 activities or skills suitable for preschoolers in Singapore:

1. Learning basic phonics

2. Recognizing and writing letters of the alphabet

3. Counting and recognizing numbers

4. Sorting and classifying objects by color, shape, or size

5. Puzzles (jigsaw puzzles, shape puzzles)

6. Singing nursery rhymes and songs

7. Storytelling and reading picture books

8. Drawing and coloring

9. Painting with different materials (finger paints, watercolors)

10. Playing with clay or playdough

11. Building with blocks or Legos

12. Learning basic math concepts through play (counting games, sorting by size)

13. Playing dress-up or pretend play

14. Learning to share and take turns through group activities

15. Dancing and moving to music

16. Outdoor play (playing in the sandpit, riding tricycles)

17. Gardening and learning about plants and nature

18. Simple cooking or baking activities (decorating cookies, making sandwiches)

19. Learning basic hygiene habits (washing hands, brushing teeth)

20. Learning about different cultures and traditions through crafts and activities

21. Learning simple science concepts through experiments (sink or float, color mixing)

22. Playing with musical instruments (drums, xylophones)

23. Going on nature walks and scavenger hunts

24. Learning basic computer skills through educational apps or games

25. Doing simple yoga or stretching exercises

26. Learning basic safety rules (road safety, fire safety)

27. Exploring sensory bins (filling bins with materials like rice, beans, or water for sensory play)

28. Learning about emotions and feelings through storytelling or role-playing

29. Building fine motor skills through activities like threading beads or using tweezers

30. Creating simple crafts with recycled materials

31. Learning basic manners and etiquette

32. Experimenting with simple musical concepts like high and low sounds

33. Playing with puppets and putting on puppet shows

34. Making simple science observations (watching clouds, exploring shadows)

35. Exploring different textures through touch and feel activities

36. Learning basic first aid skills (how to apply a bandage, whom to call in an emergency)

37. Exploring basic concepts of time (morning, afternoon, evening)

38. Learning basic shapes and colors through games and activities

39. Engaging in dramatic play (playing house, pretending to be animals)

40. Learning about the environment and sustainability through activities like recycling

41. Developing gross motor skills through activities like jumping, hopping, and skipping

42. Learning about animals and their habitats through books and videos

43. Exploring different art techniques (collage, printmaking)

44. Learning basic self-help skills (putting on shoes, zipping up jackets)

45. Playing with building toys like magnetic tiles or gears

46. Learning about different modes of transportation through toys or pictures

47. Experimenting with cause and effect through simple science experiments

48. Learning about different occupations through role-playing

49. Engaging in water play activities (playing with water tables, splashing in puddles)

50. Practicing mindfulness and relaxation techniques through breathing exercises and simple meditation.

These activities cater to various aspects of a preschooler's development, including cognitive, physical, social, emotional, and creative skills. It's important to offer a balance of structured and unstructured activities and to tailor them to the child's interests and abilities.

Estimated Amount of money required to live in Johor Bahru Malaysia compared to living in Singapore

 To provide a rough estimate of the amount of money required to live in Johor Bahru, Malaysia, compared to living in Singapore, let's consider some key expenses for a family of four (two adults and two children):

1. **Housing**: Rental prices for a decent-sized apartment in Johor Bahru can range from RM1,500 to RM3,000 per month, depending on the location and amenities. In Singapore, similar accommodation may cost SGD 2,000 to SGD 4,000 per month or more, depending on the area.

2. **Transportation**: Monthly transportation expenses, including fuel, public transportation fares, and vehicle maintenance, may total around RM500 to RM800 in Johor Bahru. In Singapore, transportation costs can be higher, ranging from SGD 200 to SGD 400 per month, depending on usage and mode of transport. If you are driving in Singapore, the monthly cost can range from $1500 to $3000 per month

3. **Food and Groceries**: Monthly food expenses for a family of four in Johor Bahru may range from RM1,000 to RM2,000, depending on dietary preferences and eating habits. In Singapore, similar expenses may range from SGD 800 to SGD 1,500 or more, considering the higher cost of living.

4. **Healthcare**: Monthly healthcare expenses, including medical consultations, insurance premiums, and medication, may total around RM300 to RM500 in Johor Bahru. In Singapore, healthcare costs can be higher, ranging from SGD 200 to SGD 500 or more, depending on factors such as insurance coverage and medical needs.

5. **Education**: If the children attend public schools, education expenses may be minimal in both Johor Bahru and Singapore. However, if they attend private or international schools, tuition fees and related expenses can vary significantly. In Johor Bahru, tuition fees may range from RM500 to RM2,000 per month per child, while in Singapore, fees may range from SGD 1,000 to SGD 3,000 or more per month per child.

6. **Utilities**: Monthly utility bills for electricity, water, and internet services may total around RM300 to RM500 in Johor Bahru. In Singapore, similar expenses may range from SGD 200 to SGD 400 or more per month.

7. **Entertainment and Recreation**: Monthly expenses for entertainment, dining out, and recreational activities may vary depending on lifestyle preferences. In Johor Bahru, costs may range from RM500 to RM1,000 or more. In Singapore, similar expenses may range from SGD 400 to SGD 800 or more, considering the higher cost of living.

Considering these estimates, the total monthly expenses for a family of four living in Johor Bahru may range from RM4,100 to RM8,300, while in Singapore, the total monthly expenses may range from SGD 4,500 to SGD 9,000 or more. 

It's important to note that these are rough estimates, and actual expenses may vary based on individual circumstances, lifestyle choices, and fluctuations in prices. Additionally, currency exchange rates can impact the relative affordability of living in Johor Bahru compared to Singapore.

50 ways to de-stress in Singapore

 Here are 50 ways to de-stress in Singapore:

1. Take a leisurely stroll along the Singapore River or one of the many parks like Gardens by the Bay or East Coast Park.

2. Practice mindfulness or meditation at one of Singapore's serene spots such as the Botanic Gardens.

3. Pamper yourself with a spa day at one of Singapore's luxurious spa retreats.

4. Enjoy a picnic with family or friends at Marina Barrage or Sentosa Beach.

5. Explore nature at MacRitchie Reservoir and go for a peaceful walk along the TreeTop Walk.

6. Join a yoga class at one of Singapore's many yoga studios.

7. Have a relaxing day at the beach and soak up the sun at Sentosa Island.

8. Indulge in a massage to release tension and relax your muscles.

9. Take a day trip to Pulau Ubin and immerse yourself in the rustic charm of the island.

10. Visit one of Singapore's many museums and lose yourself in art and history.

11. Unwind with a good book at one of Singapore's cozy cafes or libraries.

12. Attend a mindfulness or wellness workshop to learn new relaxation techniques.

13. Join a fitness class like Pilates, barre, or kickboxing to release endorphins and reduce stress.

14. Treat yourself to a delicious meal at one of Singapore's renowned restaurants.

15. Volunteer for a cause you're passionate about and give back to the community.

16. Spend quality time with loved ones and enjoy a home-cooked meal together.

17. Attend a comedy show or watch a funny movie to lift your spirits and laugh away stress.

18. Take a scenic bike ride along Singapore's park connectors and enjoy the greenery.

19. Try your hand at painting or pottery at a local art studio.

20. Practice deep breathing exercises to calm your mind and reduce stress.

21. Explore the vibrant neighborhoods of Singapore like Little India, Chinatown, or Kampong Glam.

22. Listen to soothing music or nature sounds to relax your mind and body.

23. Treat yourself to a shopping spree at one of Singapore's malls or boutique stores.

24. Spend a day at the Singapore Zoo or Jurong Bird Park and connect with nature.

25. Attend a cooking class and learn to prepare delicious and healthy meals.

26. Visit the Singapore Botanic Gardens and take in the beauty of the orchid garden.

27. Join a photography club and capture the beauty of Singapore's landscapes and architecture.

28. Take a day trip to one of Singapore's neighboring islands like Batam or Bintan for a change of scenery.

29. Attend a cultural performance or festival to immerse yourself in Singapore's diverse heritage.

30. Have a staycation at one of Singapore's luxurious hotels and enjoy the amenities.

31. Practice tai chi or qigong at one of Singapore's parks for relaxation and balance.

32. Attend a live music performance or concert to unwind and enjoy the music.

33. Go for a swim at one of Singapore's public pools or beaches for a refreshing workout.

34. Explore the hidden gems of Singapore's neighborhoods and discover new cafes, shops, and parks.

35. Spend time in your favorite hobby, whether it's gardening, crafting, or playing a musical instrument.

36. Practice journaling to express your thoughts and emotions and gain clarity.

37. Take a day trip to a nearby nature reserve like Bukit Timah Nature Reserve or Sungei Buloh Wetland Reserve.

38. Attend a dance class like salsa, ballet, or hip hop to let loose and have fun.

39. Have a movie marathon at home with your favorite films and snacks.

40. Visit a local market or hawker center and indulge in Singapore's delicious street food.

41. Go for a scenic drive along Singapore's coastal roads or countryside.

42. Attend a wellness retreat or workshop to recharge and rejuvenate your mind, body, and soul.

43. Spend time with animals at a pet cafe or animal shelter for therapeutic companionship.

44. Try out a new hobby or activity like rock climbing, paddleboarding, or pottery-making.

45. Visit a rooftop bar or restaurant for stunning views of Singapore's skyline.

46. Practice gratitude by keeping a gratitude journal and focusing on the positives in your life.

47. Join a nature conservation group and participate in environmental initiatives.

48. Take a day off from technology and enjoy a digital detox in nature.

49. Attend a mindfulness retreat or silent meditation retreat for deep relaxation and introspection.

50. Reflect on your achievements and celebrate your successes, no matter how small.

Malaysia public education vs Singapore public education in 50 ways

 Comparing the public education systems of Malaysia and Singapore across 50 dimensions offers a comprehensive view of their similarities, differences, strengths, and weaknesses. Here's a detailed comparison:

1. **Academic Performance**: Singapore consistently outperforms Malaysia in international assessments like PISA and TIMSS.

2. **Curriculum**: Singapore follows a centralized curriculum with a focus on core subjects, while Malaysia's curriculum is more diverse and includes subjects like Islamic studies.

3. **Language of Instruction**: English is the primary language of instruction in Singapore, while Malaysia emphasizes Malay but also incorporates English.

4. **Standardized Testing**: Singapore relies heavily on standardized testing for assessment, while Malaysia has a mix of standardized tests and school-based assessments.

5. **Teacher Quality**: Singapore prioritizes high-quality teacher recruitment and training, whereas Malaysia faces challenges in teacher quality and retention.

6. **School Infrastructure**: Singapore generally has better school infrastructure compared to Malaysia, with modern facilities and resources.

7. **Education Spending**: Singapore allocates a higher percentage of its GDP to education compared to Malaysia.

8. **Special Education**: Singapore has well-developed special education programs, while Malaysia's system is still evolving.

9. **Tuition and Fees**: Both countries subsidize public education, but Singaporean parents may incur additional costs for items like uniforms and textbooks.

10. **Diversity and Inclusion**: Malaysia's education system is more diverse, reflecting its multicultural society, while Singapore promotes diversity but may face challenges in equitable treatment.

11. **Emphasis on Values Education**: Singapore emphasizes character development and moral education, while Malaysia includes values education with a focus on multiculturalism.

12. **Transition to Higher Education**: Singaporean students generally have better access to higher education opportunities both domestically and internationally.

13. **Innovation and Creativity**: Critics argue that Singapore's system may stifle creativity, while Malaysia may provide more room for creative expression.

14. **Parental Involvement**: Singaporean parents may be more actively involved due to the competitive nature of the system.

15. **Government Policies**: Singapore's government plays an active role in shaping and implementing education policies, while Malaysia's policies may be influenced by political factors.

16. **Teacher Salaries**: Singapore typically offers higher salaries to teachers compared to Malaysia.

17. **Class Sizes**: Singapore tends to have smaller class sizes compared to Malaysia.

18. **Extracurricular Activities**: Both countries offer extracurricular activities, but Singapore may have a wider range due to its emphasis on holistic education.

19. **Technology Integration**: Singapore places a strong emphasis on integrating technology into education, while Malaysia is also making efforts but may face challenges in implementation.

20. **Public Perception**: Singapore's education system is often perceived as more effective and prestigious compared to Malaysia's.

21. **Education Reforms**: Singapore has undergone significant education reforms over the years, whereas Malaysia's reforms may be less frequent and systematic.

22. **Teacher Training**: Singapore invests significantly in teacher training and professional development, while Malaysia's training programs may vary in quality.

23. **Student Discipline**: Singapore tends to have stricter discipline policies compared to Malaysia.

24. **Parental Expectations**: Expectations from parents regarding academic achievement may be higher in Singapore compared to Malaysia.

25. **Cultural Influence**: Malaysia's education system reflects its diverse cultural heritage, while Singapore's system is influenced by its multicultural society but may prioritize a national identity.

26. **Access to Resources**: Singaporean schools generally have better access to resources like textbooks, technology, and facilities compared to Malaysian schools.

27. **Gender Equality**: Both countries promote gender equality in education, but Singapore may have better outcomes in terms of gender parity.

28. **Teacher-Student Ratio**: Singapore typically has a lower teacher-student ratio compared to Malaysia.

29. **Public-Private Partnerships**: Singapore may have more extensive partnerships between public and private educational institutions compared to Malaysia.

30. **Career Guidance**: Singapore offers robust career guidance and counseling services, while Malaysia is also making efforts but may have limited resources.

31. **Vocational Education**: Both countries offer vocational education programs, but Singapore's programs may be more extensive and better integrated with academic pathways.

32. **Education for Special Needs**: Singapore provides comprehensive support for students with special needs, while Malaysia is working towards improving its services.

33. **Standardized Curriculum**: Singapore has a highly standardized curriculum across schools, while Malaysia allows for more flexibility and adaptation at the school level.

34. **Teacher Evaluation**: Singapore may have more rigorous teacher evaluation systems compared to Malaysia.

35. **Student Well-being Services**: Singapore places emphasis on student well-being services, including mental health support, while Malaysia is also making efforts but may have limited resources.

36. **Bilingualism**: Both countries promote bilingualism, but Singapore's emphasis on English proficiency is stronger.

37. **School Autonomy**: Singaporean schools have less autonomy compared to Malaysian schools, which may have more flexibility in decision-making.

38. **Professional Development Opportunities**: Singapore offers extensive professional development opportunities for teachers, while Malaysia's opportunities may vary depending on location and school.

39. **Education for Indigenous Communities**: Malaysia provides education tailored to indigenous communities, whereas Singapore's focus is primarily on its multicultural population.

40. **International Recognition**: Singaporean qualifications are often more widely recognized internationally compared to Malaysian qualifications.

41. **Education for Migrant Communities**: Singapore has programs in place for the education of migrant communities, while Malaysia may face challenges in providing education for migrants.

42. **Student Mobility**: Singapore may have higher rates of student mobility between schools compared to Malaysia.

43. **Entrepreneurship Education**: Singapore places emphasis on entrepreneurship education, while Malaysia is also incorporating it but may face challenges in implementation.

44. **Parental Socioeconomic Status**: Singapore may have a stronger correlation between parental socioeconomic status and academic achievement compared to Malaysia.

45. **Teacher Turnover**: Singapore may have lower teacher turnover rates compared to Malaysia.

46. **Religious Education**: Malaysia incorporates religious education into its curriculum, while Singapore's focus is primarily secular.

47. **Education for Refugees**: Singapore may have limited programs for educating refugees compared to Malaysia.

48. **Access to Higher Education**: Singaporean students generally have better access to higher education institutions compared to Malaysian students.

49. **International School Presence**: Singapore may have a larger presence of international schools compared to Malaysia.

50. **Education for Children with Disabilities**: Singapore provides comprehensive education for children with disabilities, while Malaysia is working towards improving its services.

As of update in Feb 2024, the number of primary schools in Malaysia and Singapore were approximately as follows:

1. **Malaysia**: There are over 7,000 primary schools in Malaysia, including national primary schools (Sekolah Kebangsaan), vernacular primary schools (Sekolah Jenis Kebangsaan), and private primary schools.

2. **Singapore**: Singapore has around 180 primary schools, which include government-funded schools as well as a smaller number of private and international primary schools.

3. **Malaysia Population**: Malaysia has a population of approximately 32.4 million people. 

4. **Singapore Population**: Singapore has a population of approximately 5.7 million people.

These figures may have changed slightly since my last update, but they provide a general idea of the population sizes of Malaysia and Singapore. Please note that these numbers are approximate and may have changed slightly since my last update. For the most accurate and up-to-date information, you may refer to the respective education ministries or official government sources of Malaysia and Singapore.

Bucket list to do in Batam and Bintan

Batam and Bintan are two of Indonesia's most popular islands, located in the Riau Archipelago near Singapore. Here are 100 things to do and explore in Batam and Bintan: You can take a boat to Batam from Singapore Harbour Front Ferry Terminal or take a boat to Bintan Resorts from Singapore Tanner Merah Ferry Terminal. I have been to Batam and Bintan and both of these places are really nice. With Grab it is easier as well as no need to haggle with the taxis in Indonesia. Transport is a must as the bus frequency is low. 

**Batam:**

1. Visit Barelang Bridge, a landmark connecting several islands in Batam.

2. Explore the cultural park of Maha Vihara Duta Maitreya Temple.

3. Enjoy water sports at Nongsa Beach and Marina.

4. Visit the iconic Dragon Fruits Farm in Batam.

5. Shop for duty-free goods at Nagoya Hill Shopping Mall.

6. Relax at Golden City Go Kart & Paintball.

7. Take a seafood culinary tour at Golden Prawn 555.

8. Explore the mangrove forest at Pantai Marina.

9. Visit the Batam Miniature Park.

10. Play golf at Tering Bay Golf & Country Club.

11. Explore the underwater world with a snorkeling or diving trip.

12. Visit the Cheng Ho Mosque, a unique architectural marvel.

13. Enjoy a day trip to Galang Island.

14. Experience the nightlife at various clubs and bars.

15. Take a day tour to the neighboring island of Bintan.

16. Go fishing at Galang Island Fishing Pond.

17. Explore the traditional village of Kampung Vietnam.

18. Enjoy a massage or spa treatment at one of the many spas in Batam.

19. Take a ferry ride to nearby Singapore for a day trip.

20. Visit the Upside Down World in Batam.

21. Explore the cultural and historical artifacts at Batam Centre.

22. Visit the Ocarina Waterpark.

23. Explore the mangrove forest at Pulau Abang.

24. Visit the Maha Vihara Duta Maitreya Temple.

25. Enjoy a day of relaxation at Turi Beach Resort.

26. Take a cooking class to learn Indonesian cuisine.

27. Visit the Batam Cable Ski Park.

28. Take a ferry ride to nearby Tanjung Pinang.

29. Visit the Batam Grand Mosque.

30. Enjoy a game of paintball at Trikora Beach.

31. Explore the natural beauty of the Melur Beach.

32. Take a ferry ride to nearby Karimun Island.

33. Explore the Batam Center Mall.

34. Visit the Indah Puri Golf Resort.

35. Explore the mangrove forest at Mangrove Eco Tourism Park.

36. Enjoy a day trip to Pulau Rempang.

37. Visit the Buddha Maitreya Temple.

38. Explore the traditional markets of Batam.

39. Take a ferry ride to nearby Penyengat Island.

40. Visit the Dapur Island.

41. Explore the cultural and historical artifacts at the Batam Center Mall.

42. Take a ferry ride to nearby Lingga Island.

43. Visit the Batam Centre.

44. Enjoy a day trip to Pulau Galang.

45. Explore the traditional markets of Nagoya.

46. Visit the Turi Beach Resort.

47. Explore the natural beauty of Pulau Balai.

48. Visit the Taman Mini Indonesia Park.

49. Explore the Batam Botanical Garden.

50. Enjoy a day of relaxation at the Harris Resort.

51. Take a ferry ride to nearby Pulau Rempang.

52. Explore the traditional markets of Sekupang.

53. Visit the Nongsa Point Marina & Resort.

54. Explore the mangrove forest at Tering Bay.

55. Visit the Pacific Palace Hotel.

56. Enjoy a day trip to Pulau Abang.

57. Explore the traditional markets of Batam Centre.

58. Visit the Padang Golf Sukajadi.

59. Take a ferry ride to nearby Batu Besar Island.

60. Visit the Pasar Bintang.

61. Explore the traditional markets of Batu Aji.

62. Visit the Batam View Beach Resort.

63. Explore the natural beauty of the Riau Islands.

64. Visit the Batam Center Point International Ferry Terminal.

65. Take a ferry ride to nearby Pulau Tonton.

66. Visit the Batamindo Industrial Park.

67. Explore the traditional markets of Nongsa.

68. Visit the Padang Golf Sukajadi.

69. Take a ferry ride to nearby Pulau Setokok.

70. Visit the Palm Springs Golf & Beach Resort.

71. Explore the natural beauty of Telaga Mas.

72. Visit the Batam Hills Golf Resort.

73. Explore the traditional markets of Batu Ampar.

74. Visit the Pacific Palace Hotel.

75. Take a ferry ride to nearby Pulau Setoko.

76. Visit the Planet Holiday Hotel.

77. Explore the natural beauty of Melur Beach.

78. Visit the Nongsa Point Marina & Resort.

79. Take a ferry ride to nearby Pulau Tuangku.

80. Visit the Harris Resort.

81. Explore the natural beauty of Nongsa Beach.

82. Visit the Batam Center Mall.

83. Take a ferry ride to nearby Pulau Putri.

84. Visit the Tering Bay Golf & Country Club.

85. Explore the natural beauty of Golden Beach.

86. Visit the Batam Cable Ski Park.

87. Take a ferry ride to nearby Pulau Sebesi.

88. Visit the Dapur Island.

89. Explore the natural beauty of Baloi.

90. Visit the Harris Resort.

91. Take a ferry ride to nearby Pulau Sugi.

92. Visit the Melur Beach Resort.

93. Explore the natural beauty of Melur Beach.

94. Visit the Turi Beach Resort.

95. Take a ferry ride to nearby Pulau Sugi Besar.

96. Visit the Sekupang International Ferry Terminal.

97. Explore the natural beauty of Nagoya Beach.

98. Visit the Waterfront City Ferry Terminal.

99. Take a ferry ride to nearby Pulau Sayak.

100. Visit the Grands I Hotel.

**Bintan:**

1. Relax on the pristine beaches of Bintan, such as Trikora Beach and Lagoi Bay.

2. Visit the majestic Banyan Tree Temple (Vihara Ksitigarbha Bodhisattva) in Tanjung Pinang.

3. Go snorkeling or diving in the crystal-clear waters of Bintan Island.

4. Explore the mangrove forests of Sebung River.

5. Experience traditional Indonesian culture at the Senggarang Village.

6. Play a round of golf at one of Bintan's world-class golf courses.

7. Take a day trip to nearby Penyengat Island and explore its historical landmarks.

8. Enjoy water sports activities such as jet skiing, parasailing, and banana boating.

9. Take a mangrove tour to learn about the importance of mangrove ecosystems.

10. Visit the iconic Gurun Pasir Busung (Busung Sand Dunes) for a unique desert experience.

11. Experience the thrill of off-road ATV rides through Bintan's rugged terrain.

12. Take a cooking class to learn how to prepare traditional Indonesian dishes.

13. Explore the historic town of Tanjung Pinang and visit its cultural attractions.

14. Relax and rejuvenate with a spa treatment at one of Bintan's luxury resorts.

15. Take a sunset cruise around Bintan Island for breathtaking views.

60 things to do in Yogyakarta

Yogyakarta, often referred to as Jogja, is a vibrant city in Central Java, Indonesia, with a rich cultural heritage and plenty of things to see and do. Here's a list of 60 things to do in Yogyakarta:

1. Explore the UNESCO-listed Borobudur Temple, the largest Buddhist temple in the world.

2. Visit the magnificent Prambanan Temple, a UNESCO World Heritage site known for its stunning Hindu architecture.

3. Attend a traditional Wayang Kulit (shadow puppet) performance to experience Javanese culture.

4. Learn about the traditional art of batik-making at a batik workshop in Yogyakarta.

5. Wander through the colorful alleys of Kotagede, the historic neighborhood known for its silver craftsmanship.

6. Shop for unique souvenirs and handicrafts at Malioboro Street, Jogja's bustling shopping district.

7. Visit the Sultan's Palace (Kraton) to learn about the history and culture of the Yogyakarta Sultanate.

8. Watch the sunrise from Punthuk Setumbu Hill and enjoy panoramic views of Borobudur Temple and Mount Merapi.

9. Explore the underground tunnels of the historic Taman Sari Water Castle.

10. Take a leisurely walk through Alun-Alun Kidul, one of Jogja's iconic town squares.

11. Climb Mount Merapi, Indonesia's most active volcano, for a thrilling adventure.

12. Discover the hidden treasures of Jogja's street art scene in neighborhoods like Prawirotaman and Kampung Code.

13. Explore the historical relics and artifacts at the Sonobudoyo Museum.

14. Taste traditional Javanese cuisine at local warungs (eateries) and food stalls.

15. Visit the Javanese Puppet Museum to learn about the history and art of puppetry in Indonesia.

16. Take a leisurely stroll or a horse-drawn carriage ride (andong) around the colonial-era neighborhood of Prawirotaman.

17. Experience the thrill of white-water rafting on the Progo River.

18. Attend a traditional Javanese dance performance, such as the Ramayana Ballet, at Prambanan Temple.

19. Visit the House of Raminten, a quirky restaurant known for its eclectic decor and traditional Javanese dishes.

20. Explore the ancient Buddhist temple of Candi Sambisari, located underground and surrounded by rice fields.

21. Take a cycling tour through the scenic countryside of Yogyakarta and its surrounding villages.

22. Visit the historic Tugu Monument, a symbol of Yogyakarta's independence and resilience.

23. Attend a gamelan music performance to experience the traditional music of Java.

24. Explore the vibrant colors and flavors of Beringharjo Market, Jogja's largest traditional market.

25. Learn about traditional Javanese architecture at the Taman Sari Underground Mosque.

26. Enjoy a traditional Javanese massage and spa treatment to relax and rejuvenate.

27. Visit the unique underground mosque of Sumur Gumuling in Taman Sari Water Castle.

28. Take a tour of the Jogja National Museum to learn about the region's history, culture, and art.

29. Explore the historic Fort Vredeburg Museum, which showcases Indonesia's struggle for independence.

30. Attend a traditional Javanese cooking class to learn how to prepare local dishes.

31. Visit the beautiful Imogiri Royal Cemetery, the final resting place of the Yogyakarta Sultanate's rulers.

32. Explore the lush greenery and scenic beauty of Kaliurang Highlands, located at the foot of Mount Merapi.

33. Take a scenic train ride from Yogyakarta to Solo (Surakarta) and explore the historic city.

34. Visit the unique ancient Hindu temple of Candi Plaosan, known for its intricate carvings and serene atmosphere.

35. Explore the historic neighborhood of Sosrowijayan and its vibrant street art scene.

36. Attend a traditional Javanese batik-making workshop to create your own batik masterpiece.

37. Visit the unique cultural park of Ullen Sentalu Museum to learn about Javanese culture and heritage.

38. Explore the beautiful beaches of Yogyakarta's southern coast, such as Parangtritis and Baron.

39. Take a sunset horseback ride along the sandy shores of Parangtritis Beach.

40. Visit the historic Masjid Agung Kotagede, one of the oldest mosques in Yogyakarta.

41. Explore the beautiful gardens and historic buildings of the Mangkunegaran Palace in Solo.

42. Attend a traditional Javanese shadow puppet workshop to learn how to make your own Wayang Kulit.

43. Visit the vibrant Pasar Ngasem Bird Market, known for its colorful array of birds and other animals.

44. Take a tour of the traditional Javanese village of Candirejo and experience rural life.

45. Explore the lush greenery and serene atmosphere of the Merapi Volcano Museum.

46. Visit the historic Gedhe Kauman Mosque, located near the Sultan's Palace in Yogyakarta.

47. Take a horse-drawn carriage ride (andong) through the charming streets of Yogyakarta.

48. Visit the unique Jurang Tembelan (Tembelan Gorge) and enjoy stunning views of the surrounding countryside.

49. Attend a traditional Javanese batik fashion show to see intricate batik designs and styles.

50. Take a guided tour of the historic Javanese village of Kota Gede and learn about its rich history and culture.

51. Visit the ancient Hindu temple of Candi Pawon, located near Borobudur Temple.

52. Explore the historic neighborhood of Taman Sari and its fascinating underground tunnels.

53. Take a tour of the beautiful gardens and historic buildings of the Tamansari Water Castle.

54. Attend a traditional Javanese gamelan music workshop to learn how to play traditional Javanese instruments.

55. Visit the vibrant markets and bustling streets of Yogyakarta's Chinatown.

56. Explore the scenic countryside and traditional villages of Yogyakarta on a guided cycling tour.

57. Visit the beautiful waterfalls of Yogyakarta, such as Tumpak Sewu and Sri Gethuk.

58. Take a scenic drive through the countryside and visit traditional Javanese villages.

59. Attend a traditional Javanese dance performance at the historic Pendopo Agung Taman Sari.

60. Explore the historic neighborhood of Kampung Code and learn about its rich history and culture.

I have been to Yogyakarta 12 years ago before i was married. Mi and my exgirlfriend (My wife). We were there to visit her friend and they have a very nice building. I would not mind to go there again and explore the places that we did not have a chance to go to. 

100 things to do and explore Malaysia

Malaysia offers a rich tapestry of experiences ranging from cultural immersion to outdoor adventures. Here's a list of 100 things to do in Malaysia:

1. 1. Visit the iconic Petronas Twin Towers in Kuala Lumpur.
2. 2. Explore the historic George Town in Penang, a UNESCO World Heritage Site.
3. 3. Trek through the ancient rainforests of Taman Negara National Park.
4. 4. Enjoy the pristine beaches of Langkawi.
5. 5. Sample diverse street food at Jalan Alor Night Market in Kuala Lumpur.
6. 6. Climb the Batu Caves and marvel at the giant golden statue of Lord Murugan.
7. 7. Experience cultural diversity at Little India and Chinatown in Kuala Lumpur.
8. 8. Take a boat tour through Langkawi's Kilim Karst Geoforest Park.
9. 9. Discover Melaka (Malacca) city's history, another UNESCO site.
10. 10. Indulge in Penang's renowned street food.
11. 11. Visit the Islamic Arts Museum Malaysia in Kuala Lumpur.
12. 12. Experience the canopy walk at FRIM (Forest Research Institute Malaysia).
13. 13. Explore the nightlife of Bukit Bintang in Kuala Lumpur.
14. 14. Hike up Mount Kinabalu, Southeast Asia's tallest peak.
15. 15. Dive or snorkel in Sipadan Island's crystal-clear waters.
16. 16. Relax on the beaches of Redang Island.
17. 17. Take a scenic train ride on Malaysia's Jungle Railway.
18. 18. Explore the historic Sultan Abdul Samad Building in Kuala Lumpur.
19. 19. Go on a wildlife safari along the Kinabatangan River.
20. 20. Experience cultural performances at Sarawak Cultural Village.
21. 21. Visit Penang's Kek Lok Si Temple, the largest Buddhist temple in Malaysia.
22. 22. Enjoy a zipline adventure in Bukit Tinggi's rainforest canopy.
23. 23. Encounter wildlife at Sepilok Orangutan Rehabilitation Centre.
24. 24. Shop at Suria KLCC, a mall located beneath the Petronas Towers.
25. 25. Dive in Pulau Payar's underwater marine park.
26. 26. Visit Sarawak's Fort Margherita in Kuching.
27. 27. Experience the lifestyle of Iban tribe longhouses in Sarawak.
28. 28. Walk on Langkawi Sky Bridge for panoramic views.
29. 29. Go on a night jungle walk in Taman Negara.
30. 30. Visit Terengganu's Islamic-themed park, Taman Tamadun Islam.
31. 31. Explore Penang's street art scene in George Town.
32. 32. Savor Ramadan Bazaar delicacies during Ramadan.
33. 33. Take the funicular railway up Penang Hill for city views.
34. 34. Visit Ipoh's heritage sites and enjoy its cuisine.
35. 35. Discover Malaysia's flora and fauna at Perdana Botanical Gardens.
36. 36. Explore underwater life at Aquaria KLCC in Kuala Lumpur.
37. 37. Attend Penang International Food Festival.
38. 38. Explore Lost World of Tambun theme park in Ipoh.
39. 39. Visit National Museum in Kuala Lumpur.
40. 40. Go bird-watching in Taman Negara.
41. 41. Explore Pulau Tioman's underwater marine park.
42. 42. Learn about pewter craftsmanship at Royal Selangor Visitor Centre.
43. 43. Experience Kota Belud Sunday Market in Sabah.
44. 44. Visit Kuala Lumpur Bird Park, one of the world's largest covered bird parks.
45. 45. Explore Malacca River on a river cruise.
46. 46. Visit Kuala Lumpur Butterfly Park, housing thousands of butterflies.
47. 47. Explore Islamic Heritage Park in Terengganu.
48. 48. Attend George Town Festival celebrating arts and culture.
49. 49. Visit Kota Kinabalu City Mosque, known as the "Floating Mosque."
50. 50 Explore Penang War Museum, a WWII historical site.
51. 51. Attend Borneo Cultural Festival in Sarawak.
52. 52. Visit Chow Kit market, one of Kuala Lumpur's vibrant markets.
53. 53. Explore Sarawak Museum to learn about Sarawak's history.
54. 54. Savor Kuching's diverse cuisine on a food tour.
55. 55. Visit Kuala Lumpur Tower for city views.
56. 56. Experience Brickfields' Little India district in Kuala Lumpur.
57. 57. Visit Pinnacles at Gunung Mulu National Park.
58. 58. Attend Kuching Waterfront Jazz Festival in Sarawak.
59. 59 Explore Teluk Bahang Forest Reserve in Penang.
60. 60. Visit the Penang Butterfly Farm for a close encounter.
61. 61. Explore Sekinchan's picturesque fishing village.
62. 62. Attend Georgetown Literary Festival in Penang.
63. 63. Visit Sabah State Museum in Kota Kinabalu.
64. 64. Go snorkeling in Pulau Perhentian's marine park.
65. 65. Explore Tanjung Rhu Beach's scenic landscapes in Langkawi.
66. 66. Learn traditional crafts at Kuala Lumpur Craft Complex.
67. 67. Hike to see the Rafflesia, world's largest flower, in bloom.
68. 68. Attend Kuching Festival in Sarawak.
69. 69. Visit Taiping Lake Gardens, one of Malaysia's oldest gardens.
70. 70. Explore Kuala Lumpur Performing Arts Centre for cultural performances.
71. 71. Visit Mah Meri Cultural Village to learn about indigenous culture.
72. 72. Attend Penang Hot Air Balloon Fiesta.
73. 73. Explore Batu Ferringhi Beach's scenery in Penang.
74. 74. Visit Labuan War Cemetery, a WWII historical site.
75. 75. Go on a scenic drive on the East Coast Road.
76. 76. Take a boat tour through Kuala Selangor Firefly Park.
77. 77. Visit Kuala Lumpur's National Planetarium.
78. 78. Explore Sam Poh Tong Temple, one of Ipoh's oldest temples.
79. 79 Attend Kuching Rainforest World Music Festival.
80. 80. Visit the Islamic Civilization Park in Terengganu.
81. 81. Explore Penang's Clan Jetties in George Town.
82. 82. Visit the Cameron Lavender Garden in Cameron Highlands.
83. 83. Take a river cruise through Melaka's historic canal.
84. 84. Visit Kellie's Castle, a historic mansion in Perak.
85. 85. Go on a jungle trek in Gunung Stong State Park.
86. 86. Explore the Teluk Intan Leaning Tower.
87. 87. Visit Kota Bharu's Central Market for local crafts.
88. 88. Explore the Kota Kinabalu Handicraft Market.
89. 89. Visit the Islamic Museum of Malaysia in Kuala Lumpur.
90. 90. Explore the historic town of Kuala Kangsar.
91. 91. Take a walk through Kuala Lumpur's Lake Gardens.
92. 92. Visit the Melaka Sultanate Palace Museum.
93. 93. Explore the Kek Lok Tong Cave Temple in Ipoh.
94. 94. Attend Sabah Dragon Boat Festival in Kota Kinabalu.
95. 95. Explore the Gua Tempurung caves in Perak.
96. 96. Take a tour of the Royal Museum in Kuala Lumpur.
97. 97. Visit the Cheng Hoon Teng Temple in Melaka.
98. 98. Go on a food tour of Kajang, known for its satay.
99. 99. Explore the Taman Negara canopy walkway.
100. 100. Visit the National Textile Museum in Kuala Lumpur.

Enjoy your adventures in Malaysia!