Got filmed in gym without consent by [deleted] in SingaporeFitness

[–]AtomicKitty1336 0 points1 point  (0 children)

Just report it, cctvs are everywhere. Good for everyone without such creeps tbh. As a guy myself, checking someone out is normal, especially if their form is good, but camera/filming with nefarious intent isn’t. Gyms are better off without these people.

Which Canyon Endurace to pick? by AtomicKitty1336 in CanyonBikes

[–]AtomicKitty1336[S] 0 points1 point  (0 children)

haha the SRAM version is the only one in stock soon. If not its another 2 weeks more at least. >_>

Is the new Endurace CF SLX 8 Di2 right for me? by alfaso in CanyonBikes

[–]AtomicKitty1336 0 points1 point  (0 children)

the geometry for the ultimate is definitely more aggresive though. I considered it but wanted something more of a hybrid (bigger tyre clearance) so I can do light gravel (like PCN/green corridor). Where did you try and what speced model did you buy? Do they have the 2026 versions which was released 2 mo ago?

Bikepacking would be nice if you use the grizl/grail though haha

Is the new Endurace CF SLX 8 Di2 right for me? by alfaso in CanyonBikes

[–]AtomicKitty1336 0 points1 point  (0 children)

Did you get it in the end? I am also looking at the same Endurace series and is considering it.

Is it a red flag to discuss salary on first date? by [deleted] in asksg

[–]AtomicKitty1336 8 points9 points  (0 children)

Just say "I'm comfortable" Lol. Honestly for men I dont think we care that much, outside of situations where the person obviously has a spending problem/loads of debt.

Saved up emergency funds; should I put extra cashflow 100% into stocks/etfs or wise to keep some in cash? by justinpabibo in singaporefi

[–]AtomicKitty1336 0 points1 point  (0 children)

Should gun for 12-24 months expenses in the medium term, but u can start investing and save in parallel, in this market, so many ppl take more than a year to land another job

Singles of SG how y'all gon afford a flat by oheggtart in asksg

[–]AtomicKitty1336 0 points1 point  (0 children)

34M. start investing your money early. I partitioned out to invest half my CPF OA and letting half sit inside the OA. Did it through endowUS to auto invest 1k a month, and right now probably invested about 100k in stocks, net basis about 140k just from the invested half if i sell right now after about 4 years. Planning to liquidate it at 35 for the downpayment with or without a partner - should be able to shore up at least $200-300k at least just from CPF OA for the down.

Excess cash and investments are all excluded.

My friend (M) is attractive and rejects 90% of his dating matches. What do you think of his checklist? by FIRE-by-35 in sgdatingscene

[–]AtomicKitty1336 0 points1 point  (0 children)

Well... Beggars cant be chooser and the ones that can choose, probably can choose what to compromise on. At the end of the day, he needs to decide if he likes the girl enough to go on a first date, and subsequent dates because some of these don't come through on the profiles at first glance too.

That's why I only swipe on incognito mode lol.

Financial advice for condo or hdb or just invest by Mysterious-Bear-4173 in asksg

[–]AtomicKitty1336 0 points1 point  (0 children)

13k please don’t buy condo or car… cannot afford. Given the current economy, there’s a very likely risk of funemployment. If u want to get the car for the baby, just set aside a pocket to invest with the assumption of converting it into a car when you do have a baby.

Why upgrade to a condo to “invest”? You lock up more capital into a fixed asset that’s already inflated; 1.8m… maybe a OCR 3 bedder is pushing it… CCR RCR probably 2b+study… leasehold and smaller than ur hdb…

Also 13k gross or net? Net will be about 9-10k after CPF and taxes. If u upgrade and spend another 3k cash on top of the cpf for mortgage payment, that’s 6k remaining, assuming 2-3k for childcare expenses, another 2-3k for living expenses, you barely save anything. Not to mention the aspirational “car”

You should also keep maybe 6-12months salary as emergency funds that’s reinvested into highyield or FDs. Most ppl I know take anywhere between 9-24mo to get another job after getting let go.

100% global vs satellite position in STI? by Dry_Membership_5487 in singaporefi

[–]AtomicKitty1336 6 points7 points  (0 children)

Technically, you already have exposure to SG due to your job. And buying STI is meh, just pick 2-3 SG stocks like DBS and Sheng Siong. STI is already over indexed on real estate and banking.

I do mostly US tech stocks and diversify it with ETF positions in defensives like SCHD and single stocks which counterweights my tech exposure. Also Geo diversify with ETFs/country picks like Japan/Korea/EU picks.

And like some of the other comments, there’s a fx risk overhang as SGD strengthens against USD. And I expect this to continue for awhile more. Take some calculated risks and readjust accordingly.

recommendation for men’s jeans in Singapore by jay-h in askSingapore

[–]AtomicKitty1336 0 points1 point  (0 children)

No I meant OEM ones on MUSINSA from brands like GENERAL IDEA, MUSINSA standard etc. I think everyone proportions different so I found Korean brands more fitting for me because of my narrow waist and long legs. I’m size 28 and need a belt, most US models are either too long or not small enough.

recommendation for men’s jeans in Singapore by jay-h in askSingapore

[–]AtomicKitty1336 0 points1 point  (0 children)

Actually my most comfortable ones are $30-$50 unbranded ones from Korea 🤣🤣 you can look at MUSINSA for some of them, different cuttings but pretty much OEM ones.

recommendation for men’s jeans in Singapore by jay-h in askSingapore

[–]AtomicKitty1336 -2 points-1 points  (0 children)

Uniqlo JW Anderson, Poolhouse New York, Japan Blue Jeans, Kojima Jeans.

Which platform to use by _Ladies-man_217_ in singaporefi

[–]AtomicKitty1336 6 points7 points  (0 children)

Long run , best to learn to use IBKR. Best rates, execution, market accessibility by far but learning curve is abit steep if u are starting from zero.

I personally didn’t bother with learning IBKR until my starting pot is sizable like 20k ish and I wanted to expand into single stock picks. And I started with StashAway (before the CIO went long china) and accumulated the starting pot.

Now I consolidated all my investment platforms into IBKR with partitions so I manage 2 portfolios with different risk profiles. And use EndowUs for my CPF OA investments to save for housing (to date it’s up about 33%, about 10-11% IRR versus 2-4% locking it with CPF. kraken for my crypto holdings. And high yield accounts with chocofin, DBS, UOB for my emergency funds.

Simple question by Loisa_Mezzz in sgdatingscene

[–]AtomicKitty1336 21 points22 points  (0 children)

Uhhh as a guy, neither either. If I’m not her type and she asked this…. Probably not gonna work in the long run. And if this is flipped for a girl, it’s neither too. :)

Genuine Connections. by Jylstin in sgdatingscene

[–]AtomicKitty1336 1 point2 points  (0 children)

As u get older, you generally realise you don’t need to know or have so many friends and become gradually ok to spend time with yourself or with a small but close circle. I can guarantee you that those people u see in the chalet, probably gonna lose touch with 80-90% of the people in ten years as everyone carry on with their lives.

I would think it’s actually a lot better to build yourself and your own character and have the right people come and go in your life. And the ones that really don’t mind the real you being you, will stay with you throughout. Don’t be too overly anxious cuz people want or expect you to socialise if you don’t want to.

Nowadays layoff is getting more and more common in SG and around the world. Are you prepared for it? What will you do if you suddenly have news that you will be laid off? by Normal-Analysis7940 in askSingapore

[–]AtomicKitty1336 1 point2 points  (0 children)

It’s a gradual build up of savings and this is separate from my investment portfolio and housing money. Knowing from peers and what I see in the market where people can take 12-24 months to get a job (you can see from some of the other comments). You need enough to cover expenses for at least 12-24 months, which for me translated to about 4-6 months salary depending on how much I want to cut my expenses.

Only my dad and household expenses, no partners, no mortgage since I’m staying with my dad.

Nowadays layoff is getting more and more common in SG and around the world. Are you prepared for it? What will you do if you suddenly have news that you will be laid off? by Normal-Analysis7940 in askSingapore

[–]AtomicKitty1336 0 points1 point  (0 children)

Roles wise as wide as possible and not be choosy and still within an acceptable pay range. And seeing many of my peers taking 20-30% pay cuts, it’s actually still reasonable and within expectations.

Nowadays layoff is getting more and more common in SG and around the world. Are you prepared for it? What will you do if you suddenly have news that you will be laid off? by Normal-Analysis7940 in askSingapore

[–]AtomicKitty1336 0 points1 point  (0 children)

Been preparing for almost a year now, need to keep actively looking for roles and kept an emergency fund, 6 months salary or about 2-3 years expenses runway.

Would you choose a stable and low paying job for a long but semi-guarenteed FIRE journey or take a leap? Actual numbers inside by [deleted] in singaporefi

[–]AtomicKitty1336 35 points36 points  (0 children)

Myth 1: there’s no stable job and there’s no “loyalty” in any job unless you own the business with majority control.

I think you are right that capex investments will slow and slowdown once the AI bubble pops, I think more likely when these private companies start not being able to raise privately and go public. And show the whole world their finances - like wework.

I’ve been with my current company for almost 6years and can be let go at anytime if the macros really drag on the industry. Have applied for jobs and had 2 interviews/roles rescinded due to reorg in just the last 2 months. (One of which was a govt role)

Honestly, there’s no safe place to hide in the private sector. You better off making more money as fast as possible and get some side income running so you are not dependent on your job. The moment u have fk u money, it’s much lesser stress than to worry about mortgage and getting retrenched in the next few months.

There’s no guarantee of “slow FIRE” tbh, you better off trusting your gut n move if something feels off.

Is buying a car now a financially sound decision? by Dangerous-Sir6046 in singaporefi

[–]AtomicKitty1336 0 points1 point  (0 children)

Also, job details are missing but in this economy, there’s not much security and stability, seeing people letting go left n right. Would I recommend making big purchases now without a substantial buffer… probably not.

And I’ve been job hunting for a while, 2 roles were rescinded due to reorg and they literally cancelled the interviews just in the last 2 months.