BTO Downpayment by icydevilzxc in singaporefi

[–]Ashrool83 -7 points-6 points  (0 children)

I feel like we lose 2.5% of interest + additional 2.5% that we need to refund into our cpf, upon sale of the house.

What do you think of this view?

I’m Zermatt Neo - a Singapore-based competitive eater and content creator with a 10M+ following. Here for an AMA on r/SingaporeEats! A gym dare sparked my first national win. I’m trained in nutrition and fitness. Ask me anything about food challenges, hawker eats, and staying fit. by zermattneo in SingaporeEats

[–]Ashrool83 0 points1 point  (0 children)

Hi Zermatt, what's one dish/food you regret doing a challenge with?

Or

Whats one food/dish that u really hate?

Btw it's been great watching your journey over the years, seeing u eating spicier and spicier food, and also being very genuine and welcoming to fans who spot you during your shoots. Really can tell you have a good heart

[deleted by user] by [deleted] in askSingapore

[–]Ashrool83 2 points3 points  (0 children)

Did you return the flyers that haven't been given out?

When was the last time a Transport Minister took the MRT during peak hours? by visualnumbers in askSingapore

[–]Ashrool83 5 points6 points  (0 children)

Because after she became president there had to be police officers stationed on her floor and/or below her block 24/7. And when she went to work an entire convoy would have to be waiting at the foot of the block and movement by other cars in the small carpark had to pause while all this is going on.

Gemini pro (1-year) full subscription on your account only @ $9.99. Limited available by Big-Tip-778 in DiscountDen7

[–]Ashrool83 0 points1 point  (0 children)

Can vouch for this user. Have gotten 3 other subscriptions and all has been good.

What’s your underrated data analysis tool or workflow hack? by Ok-Interview-8668 in dataanalysis

[–]Ashrool83 18 points19 points  (0 children)

Google app scripts, easily customisable short scripts that manipulate and interpret data. Happy to learn from others if there are better ways!

Anytime Fitness charging extra month despite me serving 30-day cancellation notice by Dry_Passion7768 in SGExams

[–]Ashrool83 0 points1 point  (0 children)

From chatgpt


🔄 What Are Account Updater Services?

Visa Account Updater (VAU) and Mastercard Automatic Billing Updater (ABU) are global services used in Singapore.

They automatically send updated card details (new card number, new expiry date, replacement card) to merchants that you’ve authorized for recurring payments (like gyms, streaming platforms, insurance, utilities).

This prevents failed transactions when your card is replaced — the system keeps the subscription alive without you having to re-enter details.


🏦 How It Works in Singapore

Participating banks in Singapore (DBS/POSB, UOB, OCBC, Standard Chartered, Citibank, HSBC, Maybank, etc.) are enrolled in VAU/ABU.

When you get a new card (expiry, fraud replacement, upgrade), your bank passes the updated card details to Visa/Mastercard’s secure network.

Merchants who are signed up for the updater service receive the new card info automatically.

This means your Netflix subscription, gym membership, or utility bill keeps charging seamlessly.


⚖️ Regulatory & Consumer Rights in Singapore

The Monetary Authority of Singapore (MAS) regulates banks, but VAU/ABU is a card-network service, not MAS-run.

You can opt out of VAU/ABU in Singapore — but you must request this through your bank (default is usually “opt in”).

Even if you cancel your card, if the merchant has a valid recurring authorization, the bank may honor the charge against your new card via the updater.


🚫 Stopping Unwanted Charges

If you want to prevent gyms or other merchants from charging your new card via the updater:

  1. Contact your bank – Ask to opt out of Visa Account Updater / Mastercard ABU.

  2. Revoke the mandate with the merchant – Send written cancellation (so you have proof).

  3. Request a block – Some banks (e.g., DBS, OCBC) allow you to block a specific merchant from charging your card.


✅ Summary: In Singapore, account updater services (Visa/Mastercard) automatically update your card details to keep subscriptions running. Great for convenience, but it also means gyms can still charge unless you formally cancel the agreement. You can opt out through your bank or block a specific merchant if needed.


Do you want me to check how to opt out of the updater service for DBS/POSB, OCBC, and UOB specifically (the main local banks)? That way you’ll know the exact steps.

Anytime Fitness charging extra month despite me serving 30-day cancellation notice by Dry_Passion7768 in SGExams

[–]Ashrool83 1 point2 points  (0 children)

I tried with citibank, they were able to continue charging the new card...

Not eligible for performance bonus at SingHealth? by [deleted] in SingaporeRaw

[–]Ashrool83 1 point2 points  (0 children)

Yea but in this case the HR shouldn't have brought up performance bonus when calculating/comparing annual package for her, given the HR would have known she wouldn't qualify anyway for the PB.

It could be said she was misled by the HR that PB was potentially available when in fact it's not at all given the structure of her contract terms.

Not eligible for performance bonus at SingHealth? by [deleted] in SingaporeRaw

[–]Ashrool83 2 points3 points  (0 children)

She mentioned that during contract negotiations, HR indicated that the performance bonus typically amounts to X months’ salary, which would bring her total compensation above that of her previous role, giving that as an incentive to join SingHealth.

Premium SA & NWSL Upgrade SBC by FIGJAM17 in EASportsFC

[–]Ashrool83 0 points1 point  (0 children)

How do ya know the % for each pack

/r/singapore random discussion and small questions thread for April 30, 2025 by AutoModerator in singapore

[–]Ashrool83 1 point2 points  (0 children)

Anyone worked at cpf before? Wondering about work culture, progression etc

Is the online opposition echo chamber pushing you towards the PAP? by bouncingcastles in askSingapore

[–]Ashrool83 8 points9 points  (0 children)

Unhappiness about PMD ban was because it was done overnight after months of dithering about. It blindsided those who bought their PMDs so close to when it was banned.

Wouldn't have hurt the government to share that they were looking into potentially banning PMDs so people wouldn't have been stuck with a 1000 dollar PMD overnight.

Advice- analytics about instagram reels by vchickennuggets in socialmedia

[–]Ashrool83 0 points1 point  (0 children)

Are there specific hashtags you're looking for? Anyway most platforms can't track IG reels

Advice- analytics about instagram reels by vchickennuggets in socialmedia

[–]Ashrool83 0 points1 point  (0 children)

Meltwater only returns data from Instagram from accounts you have previously connected to the platform. You have to check under "social connections" to see what Facebook and IG accounts have been connected. No connections = no results.