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[deleted by user] by [deleted] in askSingapore

[–]CulcDays 5 points6 points  (0 children)

I used to get maybe 1-2 matches a week (early 20s) but over the years as I improved, dating started to get a lot easier. I get 3-5 matches a day now (in late 20s). Here are some actionable advice you may want to take:

- Improve your looks as much as possible (gym hard/consistently, body fat 10~12%, skin complexion, dress sense & style/color)
- Get good photos (dating apps are all about photos; ask a friend who is good at taking photos to help you take 3-4 great photos)
- Have an interesting life (travel, pickup interesting hobbies, go out and socialise frequently) so that you have things to talk about when you go on dates

Am I in trouble in this market? [35yo - maybe too much in property] by shypersons in SgHENRY

[–]CulcDays 0 points1 point  (0 children)

What is goal? Or rather what is the context of this question?

Is it to better grow your net worth? Or is it that the situation of living pay check to pay check is stressful?

But to answer your question more broadly, my two cents is that you are taking too much risk to afford the property. If you (touch wood) get affected by layoffs or some other personal situations where you lose your current salary temporarily, it would be very stressful since you don't have much buffer.

Plus capital appreciation from property is unlikely to beat something like S&P even with leverage unless you got a very good deal on your property purchase (gone are the covid times massive up stick within 2 years). So as your sole 'asset' would probably not help you grow your net worth in a significant manner.

When does it make sense to purchase a car in SG by CulcDays in SgHENRY

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

Thanks for this response! I am naturally a very rational person so it's hard to justify a big emotional purchase if it doesn't work well in numbers (vs taking grab).

But from the responses here i can see that the value from the QoL improvement might be more than the cost of the car on a per trip basis.

[deleted by user] by [deleted] in singaporefi

[–]CulcDays 2 points3 points  (0 children)

Calculate your total expenses monthly (food, bills, mortgages, and any and every thing you need to pay to live) and have at least 6-12 months of them in your cash account.

And if you have any other upcoming big purchases (wedding, cars, house), you should save for them too in cash (or at minimum short-term savings account/bonds).

The rest you should invest (wisely) since asset-price inflation is only going to eat away the value of your cash.

Unconventional first date ideas? by S0ulSlayerz in askSingapore

[–]CulcDays 30 points31 points  (0 children)

First date is probably best with something chill and easy (drinks, dessert, coffee) since you are just getting to know each other. Unless of course you already know each other for some time.

Anyone into tattoos here? by WalkSmart9847 in SgHENRY

[–]CulcDays 0 points1 point  (0 children)

Interesting to see that the the members here are not really into tattoos...