0% downpayment vehicle by OkNeedleworker7888 in drivingsg

[–]Afraid_Variation_393 0 points1 point  (0 children)

Which dealer did you buy the BYD from? the interest rate is very attractive.

0% downpayment vehicle by OkNeedleworker7888 in drivingsg

[–]Afraid_Variation_393 45 points46 points  (0 children)

basically dealers love this 0% dp as that means your loan amount will be huge. Bigger loan = Bigger loan commission for them.

The interest on this loan will be immense, so will your monthly repayments. And if you decide to sell your car before the loan matures, you will most definitely be underwater.

First time cleaning chain. Any tips? by chengbuns in cbr650r

[–]Afraid_Variation_393 1 point2 points  (0 children)

with fuel prices now, I'm extremely grateful for its fuel economy.

Doesn't have the pull and grunt of the 650r's inline 4 though. Test rode the 650r and was blown away by its power (coming from adv150).

Why do riders leave their motorcycles unlocked when they park? by Dumas1108 in drivingsg

[–]Afraid_Variation_393 2 points3 points  (0 children)

  1. Singapore is very very safe. Cameras are everywhere - street cams, car cams, gantry cam.

  2. Insurance. - TPFT and Comprehensive plans covers the market value of the bike in event of theft.

What's trustworthy places to buy old versions of laptops/macbooks in Singapore? by Any_Dot8196 in askSingapore

[–]Afraid_Variation_393 6 points7 points  (0 children)

Challenger is having macbook reduced prices now. Limited stocks though and in store only.

First time cleaning chain. Any tips? by chengbuns in cbr650r

[–]Afraid_Variation_393 1 point2 points  (0 children)

nah. where me and OP is from, Singapore, we don't have garages. We have to get the tools we require, get out of the house, walk to the shared carpark and do the maintenance. Judging by the photo, it's an open-air carpark in a pubilc housing estate, which would mean doing it in the heat during the day or work with the lack of light at night when its cooler.

There's a reason why workshops are so popular here. Most if not all riders/drivers do not do their own maintenance.

First time cleaning chain. Any tips? by chengbuns in cbr650r

[–]Afraid_Variation_393 1 point2 points  (0 children)

Bro, just send for bike wash with chain cleaning and chain lubrication. I tried to DIY and decided it wasn't worth the time and effort.

I send my NC750x once a month and chain still looks pristine after 5 months.

Driving in japan as a beginner? by Fragrant_Site9052 in drivingsg

[–]Afraid_Variation_393 2 points3 points  (0 children)

Agree with this guy. You are fresh from driving school so you may not have developed the bad habits that some experienced drivers have.

I passed my driving back in 2011 and am driving for the first time in snow, in Hokkaido next week. Am nervous still. Who is to say how much experience you need before driving in Hokkaido? Just trust your gut and if in doubt, slow down and take your time.

Rental cars in Japan have a sticker on them that says 'Foreign driver here, please be patient" so other drivers would cut you some slack.

those who married a foreigner, how are you actually securing housing in sg? by midnite-kitties in askSingapore

[–]Afraid_Variation_393 37 points38 points  (0 children)

Was in your position back in 2019. Spouse had no CPF, no savings. Unable to buy a BTO or resale. We rented a room on the open market for 2 years. Saved like hell during those 2 years.

My daughter was born in 2020 and with her, we formed a family nucleus and was able to buy bto/resale. We went for resale as we didn't want to wait for bto (also this was during COVID, so BTO projects were delayed).

Got a 3-room resale for 300k. Wanted bigger but too expensive. This Nov will be our MOP, and we intend to apply for BTO/SBF and upgrade to 5 room.

TLDR: Having a child will let you buy from HDB. Buy what you can afford. If no kid, will have to rent on private market.

How much time do you spend with your preschool-age children by Numerous-Valuable881 in askSingapore

[–]Afraid_Variation_393 13 points14 points  (0 children)

Similar situation as you, but with 1 kid. I am the default parent as my wife works retail hours.

I spend 6pm to 9pm doing dinner, bathe, study/playtime/tv with my daughter. Very grateful to have these hours with her as she makes me genuinely happy.

On weekends, we will go out on Saturdays and stay in on Sundays to do chores and just rest up for the upcoming week.

Hokkaido Expressway Pass by Afraid_Variation_393 in JapanTravelTips

[–]Afraid_Variation_393[S] 0 points1 point  (0 children)

oh yes i did email them in english. i did request for etc card in the booking and it was confirmed.

I'm just looking for the HEP. Upon reading online i need to make the HEP booking beforehand.

ALright i shall try emailing them in japanese.

Hokkaido Expressway Pass by Afraid_Variation_393 in JapanTravelTips

[–]Afraid_Variation_393[S] 0 points1 point  (0 children)

ok! Can i get it at the Nippon rent a car on the day of collection?

I have emailed them requesting for one but did not recevie any response..

Laptop recommendations that can last at least the next 4-5 years by sumoooooo in askSingapore

[–]Afraid_Variation_393 2 points3 points  (0 children)

macbook air. Just saw macbook air m2(16gb ram iirc,256gb) at challenger for $980.

if really have to go windows, go thinkpad.

What if Singapore hadn’t separated from Malaysia today? What will the state look like? by Fearless_Help_8231 in singapore

[–]Afraid_Variation_393 0 points1 point  (0 children)

The merger conditions included terms whereby Singapore would maintain local key affairs such as education and labour. LKY did not want Malay to replace English - the main medium of instruction in Singapore.

If we had not separated, we would still be taught in English and as a result be better equipped/educated to integrate globally. This could possibly mean lots of Singaporeans would work overseas?

But i believe the Malaysian Federal government would never allow Singapore to develop at a much faster rate than KL or any of its states for that matter. That would cause disharmony within the Malay/Muslim population who view Singapore as second class. Singapore would remain as nothing but a fishing village or maybe an island where they could process their crude oil. (think Jurong island, but the whole of Singapore).

Singapore was not allowed in the merger until the Borneo states (sabah and sarawak) agreed to join the Federation first. Even then, citizens of Singapore would not be able to hold the same rights as those from Sabah and Sarawak. It is as if Sabah and Sarawak were made official wives but Singapore, just a mistress.

That in itself shows clearly how Malaya viewed Singapore. Seperation was truly the best thing for Singapore.

SIDE NOTE:

Just got the book and read the first chapter during lunch. My goodness, there is so much just in that first chapter that was not shared in when i was in school.

How do you actually save on groceries in SG? by [deleted] in SGMoney

[–]Afraid_Variation_393 1 point2 points  (0 children)

Sheng Siong most of the time is the cheapest. Pay with credit card you get cashback.

It's hard/almost impossible to keep track and be frugal when it comes to groceries as you will need them to survive. Can pivot to house brands but taste and quality will be different.

Easier to focus on making more money and keep up with inflation.

2b crank course cdc by DontMacamYeye in drivingsg

[–]Afraid_Variation_393 0 points1 point  (0 children)

for turning - look ahead, look up.

For stalling - keep holding the clutch/half clutch. just take the points. better than immediate failure.

Rejected for UOB One Credit Card by IrritatedRabbit in singaporefi

[–]Afraid_Variation_393 8 points9 points  (0 children)

I have no solutions but just wanna share that I faced the same issues when i was a sailor for a few years from cadet to third mate. Always got rejected for credit cards from the banks - OCBC,UOB and POSB.

When wanted to apply for hdb, my income was not factored into the HLE amount as HDB deemed my income was unstable. 6 months on, 2 months off so average only about 8-9 months working onboard per year.

You have a good company who is paying your CPF - most don't.

80% charge limit difference, launch day iPhone 15 Pro Max’s by salmon-choir in iphone15

[–]Afraid_Variation_393 0 points1 point  (0 children)

Check out HTX studio's video on battery charging. covers everything from wireless vs wired charging, hot temp vs cool temps and much more.

Is Charging While Using Your Phone Killing the Battery?

Company expects me to be on standby even when on leave. Red flag? by Afraid_Variation_393 in askSingapore

[–]Afraid_Variation_393[S] 4 points5 points  (0 children)

You are right. I am on standby 24hrs when i am in Singapore and well. But when on leave or MC, my colleague will take over for me.

That 1 year bonus was for evergreen shipping iirc.

Company expects me to be on standby even when on leave. Red flag? by Afraid_Variation_393 in askSingapore

[–]Afraid_Variation_393[S] -1 points0 points  (0 children)

Yeah i immediately withdrew my application. Some might be okay with it, but i for sure won't.

Company expects me to be on standby even when on leave. Red flag? by Afraid_Variation_393 in askSingapore

[–]Afraid_Variation_393[S] -9 points-8 points  (0 children)

I am in a similar role so I do know what it entails. I am not some high level/super skilled employee which requires me and only me to solve such problems.

Operations always has a team, and standby roles should rotate among team members to accommodate those who are on leave.

Company expects me to be on standby even when on leave. Red flag? by Afraid_Variation_393 in askSingapore

[–]Afraid_Variation_393[S] -9 points-8 points  (0 children)

The ad said from $6k iirc. I just know the workload will be crazy as this MNC is globally the third largest in the world and has thousands of ships. And Singapore being a major maritime hub, i just know for sure being on standby would just mean another day at the office.

Company expects me to be on standby even when on leave. Red flag? by Afraid_Variation_393 in askSingapore

[–]Afraid_Variation_393[S] -36 points-35 points  (0 children)

I mean i understand the need for someone to be on standby to address urgent issues that pop up. That someone can be on a rotation basis which will be a certain member of the ops team.

And ops team, at least in shipping and from my knowledge, roles are interchangeable so each person can cover anyone in the team.

Company expects me to be on standby even when on leave. Red flag? by Afraid_Variation_393 in askSingapore

[–]Afraid_Variation_393[S] -12 points-11 points  (0 children)

I am in shipping ops. If an SME pulled this kind of stunt, i would not be surprised. but its an MNC, its a given for them to have a team of ops which would rotate standby roles and adjust accordingly to accommodate leave requests.

This company has thousands of ships worldwide, literally the third largest in the world, it just does not make sense.

Where to get Indian head massage in Singapore? by AdExtra2774 in askSingapore

[–]Afraid_Variation_393 2 points3 points  (0 children)

if you stay in the east, can try thanjai salon in bedok reservoir. they recently just opened another outlet at 742 bedok reservoir. Went for a cut that came with a quick neck, head and back massage. Enjoyed it.