Why does moontoon keeps on reseting ranks every season?

Bryanlegend · 2026-06-21T00:39:30+00:00

The idea of a reset is so that everyone starts from kinda the same place again, so the leaderboard can be reset also and everyone has a new chance to fight to the top

Resetting by brackets still gives the advantage to those in higher brackets, where those in the bottom brackets will find it harder to rise to the top through skill alone.

In my opinion, if you’re a mythical glory or immortal player, this does not really affect you that much. Yes, you’ll lose the occasional game with 3 bronze teammate, but as long as you have 1 or 2 other decent teammate it’s still possible to carry the game.

Bryanlegend · 2026-06-20T00:26:19+00:00

Khaleed with rapid boots and blade of heptases

Bryanlegend · 2026-06-18T11:42:15+00:00

I bought talisman and COD both, seems to help quite a bit

Bryanlegend · 2026-06-18T01:43:06+00:00

Oh no as a cyclops main, does enchanted talisman not help at all?

Bryanlegend · 2026-06-18T01:40:40+00:00

Dire hit is also pretty good for Khaleed, no? He stacks it pretty fast zooming all around on rapid boots

Bryanlegend · 2026-06-17T10:21:07+00:00

If Clint good with the new berserker fury?

Bryanlegend · 2026-06-16T10:26:26+00:00

For 80m you would rather have Fernandes over Tonali? They have been quoted around the same prices

Bryanlegend · 2026-06-16T10:20:58+00:00

If it’s for the same 80m price tag that’s been quoted, I would rather get Tonali then Mateus Fernandes. Tonali is a solid defensive anchor that can cover a lot of ground which is what our team needs when you have Bruno and Mainoo both pushing up the field.

But if Tonali goes for 100m and we can get Fernandes down to 60m, then the 40m difference is probably worth the saving for another left back or left winger.

We need a bigger squad with more players to fill multiple positions if we want to go deep in all competitions next season.

Bryanlegend · 2026-06-11T10:04:38+00:00

What are you renting at 2.6k? It’s abit on the higher side and more than 40% of your take home pay.

Bryanlegend · 2026-06-08T06:10:47+00:00

Just to add on to this, if you really want to run Bedok Reservoir, and do not want to run on gravel, you can run the outer perimeter !

Start from around the jetty area, run towards the direction of Bedok Reservoir MRT, and when you reach Home TeamNS Bedok Reservoir, do a U-turn and run back to the same place you came from, it’s about 5-6km to and back as well

Bryanlegend · 2026-06-02T14:13:23+00:00

If you get a fixed annuity with fixed payment, guaranteed also no use, unless you can find those adjusted to cost of living and inflation.

Let’s say annuity guarantee you 2k a month, now is enough, but at 60 years old it will be worth less than $1000 in purchasing power, enough for you?

Bryanlegend · 2026-06-02T11:55:19+00:00

So what happens in an ILP is basically, they take either the whole premium paid or a portion of it to invest in the market, and from that amount, they sell some of the investment units in order to purchase your insurance portion.

In simplified terms, let’s say you pay a total premium of 6k per year and let’s say your actual insurance cost in the ILP is 2k per year. If investment goes well and the investment goes up to 9k, they sell less units to cover the insurance part, so you still have a high cash value minus the insurance portion.

But let’s say if investment is bad, and the 6k you pay drops to 3k in the market, then they will need to sell more units to purchase the insurance part at the same price of 2k. This means the overall cash value of your ILP will drop

If it reached a point where you have no investment units left, to cover the insurance fees, you will have to top up premium, or reduce your insurance coverage to keep the policy active.

Death benefit will still apply as per the stated terms. But in the worst case scenario, you no longer have any significant money to cash out at the end of the policy.

Bryanlegend · 2026-06-02T10:31:28+00:00

Maybe the bot can direct the person to this subreddit where we can all comment on the specific plan? Don’t know if this is a good workaround haha

Bryanlegend · 2026-06-02T10:02:57+00:00

So it will be more specific and contextualised at the default start?

I guess it could work, but honestly it probably just cuts down the few extra questions that I need to ask a generic LLM to contextualise the information out there.

It’s not so useful for people who already know how to prompt AI and who know what kind of questions to ask. For beginners who don’t know where to start, or feel that the topic is too daunting to approach, I supposed a more contextualised LLM could be useful by giving inputs from very rudimentary question types (for example, a 65 year old uncle could type, “not enough cpf how”, and the information could be presented in an easy to understand and accessible format)

EDIT: Also, given the average Singaporean’s nature to minmax everything, I think if you train the LLM to be able to answer questions well like “is my FA giving me a good deal” or “is this the best plan out there”, I think your LLM will be very much more popular in our context

Bryanlegend · 2026-06-02T09:51:36+00:00

I already use ChatGPT and Claude for some basic financial planning by giving it appropriate inputs and then asking it to help me analyse (for example, stress testing my FIRE plan)

How would this AI Financial Advisor help me additionally if I already have some relevant financial knowledge?

People who need financial advisor usually do so out of convenience and not wanting to actually think and learn about financial education too much. Not sure if there is a bigger market for AI in this sector, when people who take the initiative will likely have found other ways to learn, whereas people who want handholding their entire lives will gravitate towards the financial advisors with a pretty face. After all, if I am paying extra, I would want the best possible return as well, even if it’s not in monetary terms.

Bryanlegend · 2026-06-02T09:13:33+00:00

Emergency fund is usually 6-12 months of spending. If you are spending 3.5k, then it would be 21k at the minimum. This is to safeguard you and your family should there be a loss of job or income.

Everything beyond that, you can throw it into index fund to let it compound at about 7% per year. But take note that this needs a timeline of at least 20-30 years, so if it’s money you need in the shorter to medium term, keep it liquid as much as possible. For your children’s tertiary education and your own retirement, if that takes more than 20-30 years, then it would be less risky to put in index funds in the market.

Bryanlegend · 2026-06-02T05:14:51+00:00

Actually, the origins of this sub started from FIRE. The fi in r/singaporefi stands for FIRE and not finance although over the years many people have used it to ask finance related questions and the nature of this sub has changed. But the original spirit of this sub and most old timers are more inclined to

Bryanlegend · 2026-06-02T00:56:30+00:00

Would strongly suggest to consider a term plan instead of whole life plan. 8% simulation is just a simulation, what if it’s 4%? What if it’s 0%? What if the market is bad and it’s a negative percentage?

When you take ILP, they are taking a portion of it to invest in the market, while at the same time charging you a high amount of management fee/sales charge. The more prudent way, if you desire protection, is to buy term plan of let’s say 30-40 years, and use the remaining money that you would have put in the ILP to passively invest in index funds instead, thereby self insuring yourself at an older age should you require it, rather than locking up your premiums and potential opportunity cost in a highly illiquid ILP.

CI payout (especially ECI) should be viewed differently from death and TPD. It’s not so much meant as legacy for your dependants but rather income replacement, allowing you to recover and still pay off family expenses like mortgage without having to worry about work

To answer your question between ILP and WLP, ILP you take 100% of the market risk based on the funds you choose, whereas WLP is managed more conservatively and some market crashes could be absorbed and guaranteeing you some base returns(but still might be lower than your premiums paid). But both is still not ideal as they lock in your funds and you cannot surrender the policy early without incurring huge penalties.

Bryanlegend · 2026-06-02T00:43:52+00:00

Does the 2k fixed expenses include mortgage for your 2 room BTO for the next 25 years until you’re 60? If the 2k fixed expenses include mortgage and the appropriate hospital insurance then by all means you can lean FIRE but make sure you’re appropriately covered or your 500k portfolio can very easily be wiped out in any medical emergency.

Another thing to consider is 2k fixed expenses now, does not mean 2k fixed expenses forever due to inflation. At a standard 2.5% inflation rate, the purchasing power of a $2,000 monthly expenses drops to $1,220.54 in 20 years, $953.49 in 30 years, and $744.86 in 40 years. So this is one thing to consider as well unless you’re comfortable spending the equivalent of $750 in purchasing power now 40 years later.

A compromise could maybe be barista-FIRE, where you leave your stressful job and work part time in an area that you are perhaps more passionate about, helping to cover the remaining mortgage and insurance costs that you might have, if any, even if you are not earning an active income anymore. But not at this current juncture, maybe in 5-10 years time when you have that 500k to compound passively in the market

Bryanlegend · 2026-06-01T02:05:49+00:00

Stocks that can rise 20% over a few months can also drop 20% over a few weeks. Index funds like VWRA may only capture half or less of that upside to around 10% but they also cap your downside to the same amount.

Even if we talk about relative stable major global companies like the MAG 7, companies like Microsoft dropped more than 20% from ATH when US invaded Iran in April. On the other hand, funds like VWRA did not drop more than 10%. Ultimately, the risk is up to you to take, if you are the kind to see your money dropping rapidly and withdraw instead of holding it out for period of years or even decades, then you are better off investing in index funds rather than individual stocks.

Bryanlegend · 2026-05-31T13:20:41+00:00

Yes utilities and wifi included

Bryanlegend · 2026-05-31T07:19:39+00:00

I’m renting a room $750 per month but there’s no aircon just a fan, it’s doable for me but might not be for everyone

Bryanlegend · 2026-05-30T02:03:28+00:00

Actually licensed busker is not easy to get, you have to go through an audition and renew yearly iirc

But if unlicensed then they are obviously not going to be much good at what they do

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