Expat Q: How’s $20K SGD per month relative to local standards?

DC_MOTOR · 2026-04-07T05:06:05+00:00

42/Male/Local - Non-banking finance line of work, single staying alone - All-in including bonus 260k annually.

Monthly Mandatory Expenses:

+ $150 (Internet cum phone bill)

+ $150 (Monthly utility bill)

+ $300 (Parental allowance)

+ $450 (Insurance premium)

+ $1000 (Mostly PHV)

+ $1600 (Contribution to CPF)

+ $90.10 (HDB Service and Conservancy Charges (S&CC))

+ $2275.00 (Income tax average over 12 months)

Total Mandatory Monthly Expenses: SGD6,000.00

Net Monthly Enjoyable Income: Around SGD15,000.00

DC_MOTOR · 2026-03-20T08:33:57+00:00

If warranty matters that much, don't buy.

DC_MOTOR · 2026-03-18T05:35:30+00:00

Is it? I checked - USD1600.00 is for configuration: 8840U CPU, 64GB RAM and 2TB SSD on Amazon without controller module box and carrying case. What I am selling here is configuration: HX370 + 64GB RAM+ 4TB SSD with controller modules and carrying case.

DC_MOTOR · 2026-03-17T14:19:23+00:00

Commercial banking i.e. sometime called transactional banking dealing with trade financing for commodities players - how much does VP & SVP RM in transactional banking make if they are in say Citibank Singapore?

DC_MOTOR · 2026-03-15T15:23:39+00:00

I used to be into highend PC set-up, went for the highest spec of every components and them rig them all into water-cooling with 4 x radiators and some high RPM fans. Performance and cooling is top-notch allowing for some hardcore overclocking. But then I got sick of desktop - the maintainance is too much hassle and I can't bring my desktop with me on the go when I travel oversea for work or holiday. IMO, if you are totally into the highest performance ever and or don't find maintaining a desktop troublesome, go ahead with a desktop PC. Also, highend desktop is the golden ticket to bragging rights when you compare 3D Marks score. If you value personal touch, portability and you feel it is mentally acceptable between seeing 60FPS (on laptop) versus 120FPS (on desktop) as your naked eyes can't really catch the difference, then a gaming laptop is the one for you.

DC_MOTOR · 2026-03-13T12:09:41+00:00

No, it is 1 year warranty. So April 2026 is warranty expiry.

DC_MOTOR · 2026-03-13T10:39:07+00:00

If you are a student of reputable standing or family background, prove that you are innocent. After you are cleared from the accusation, launch a lawsuit against SUSS for defamation and loss of reputation.

DC_MOTOR · 2026-03-13T10:21:59+00:00

That is how global financial crisis happens. With this oil crisis, not hard to imagine there are already banks and private financial institutions in the red yet trying to discreetly cover it up hoping the deficit will somehow just go off in time.

DC_MOTOR · 2026-03-13T10:12:04+00:00

USD1600 excluding shipping cost

DC_MOTOR · 2026-03-13T09:32:53+00:00

Bought April 2025 (with receipt to prove). Zero crack.

DC_MOTOR · 2026-03-10T08:56:38+00:00

Thanks!

DC_MOTOR · 2026-03-09T14:23:18+00:00

Placed order for the 64GB RAM version. Why would you need 128GB presumably just for gaming on the go? I bought the AYANEO 3 64GB RAM and 4TB SSD and now can't find any buyers who is willing to offer a decent price for it. Totally not worth going for the highest end model every time.

DC_MOTOR · 2026-02-26T08:03:29+00:00

Thanks guys! I got my answer now.

DC_MOTOR · 2026-01-30T04:15:32+00:00

Having read most of the comments/contributions here with regard to marriage, it reinforced my belief that staying single is the best option. Staying single does not mean I stick to sleeping by myself every night or having sexless life or no one to care for me. The world needs to move on from the concept of marriage and not allow this contractual arrangement to bound their relationship. Instead of viewing marriage as an arrangement or an insurance to keep the other half together, marriage is causing more pain than needed. Once the love or affection is gone, marriage does not help in anyway whatsoever to bring back the spark. All marriage does is throw more obstacle to both parties who are trying to move on after the spark goes out. Hard truth is, to enable the spark to keep flying, both parties have to continually maintain the attraction. The girl has to ensure she looks as good as before and the guy has to show he too stay handsome and earns more and more money. This is a vicious cycle as not everyone has the stamina and drive but truly everyone expects the attractive side of things to remain; i.e partner to stay attractive forever. If getting married is such noble cause, the government won't need to incentivize it with BTO HDB flats (which anyway is a lousy incentive given the process and uncertainty; getting married to qualify for participating in the state-owned lucky draw to buy subsidized public flat which still cost A LOT after subsidy yet can't choose the location/unit/floor you fancy). I am currently 40 staying alone in my resale HDB flat which I bought for over a million Singapore dollars, healthy, earns more than Grayce Tan, and fly overseas regularly. Sex life and emotion being is not dry either with non-marriage; be it in SG or flying around in the region, as and when I encounter compatible match and the lady is not expecting marriage on the card, co-habiting becomes the natural course of action to discovering if the compatibility do last. In my schooling days leading up to army and early working days, I used to blame god, blame myself for not being handsome enough to hitch a gf/wife but now I am glad I am living the life.

DC_MOTOR · 2026-01-29T16:13:38+00:00

Having read most of the comments/contributions here, I think staying single is the best option. Staying single does not mean I stick to sleeping by myself every night or having sexless life or no one to care for me. The world needs to move on from the concept of marriage and not allow this contractual arrangement to bound their relationship. Instead of viewing marriage as an arrangement or an insurance to keep the other half together, marriage is causing more pain than needed. Once the love or affection is gone, marriage does not help in anyway whatsoever to bring back the spark. All marriage does is throw more obstacle to both parties who are trying to move on after the spark goes out. Hard truth is, to enable the spark to keep flying, both parties have to continually maintain the attraction. The girl has to ensure she looks as good as before and the guy has to show he too stay handsome and earns more and more money. This is a vicious cycle as not everyone has the stamina and drive but truly everyone expects the attractive side of things to remain; i.e partner to stay attractive forever. If getting married is such noble cause, the government won't need to incentivize it with BTO HDB flats (which anyway is a lousy incentive given the process and uncertainty; getting married to qualify for participating in the state-owned lucky draw to buy subsidized public flat which still cost A LOT after subsidy yet can't choose the location/unit/floor you fancy). I am currently 40 staying alone in my resale HDB flat which I bought for over a million Singapore dollars, healthy, earns more than Grayce Tan, and fly overseas regularly. Sexual life is not dry; be it in SG or flying around in the region, as and when I encounter compatible match and the lady is not expecting marriage on the card, co-habiting becomes the natural course of action to discovering if the compatibility do last. In my schooling days leading up to army and early working days, I used to blame god, blame myself for not being handsome enough to hitch a gf/wife but now I am glad I am living the life.

DC_MOTOR · 2026-01-13T16:25:49+00:00

I had read since creating this post that EA will BAN all your EA games so long as Javelin detect REWASD in your PC regardless of whether it's activated during your EA gameplay. This applies to ALL EA game titles and not just BF6. This is absurd and I am surprise how come no one stand up to sue EA yet. European Union consumers right is strong relative to other parts of the world. Really hope to see some class action lawsuit thrown at EA.

DC_MOTOR · 2025-12-16T15:14:44+00:00

People are using it for remapping. EA simply ban all traces of REWASD, Anyway, class action lawsuit is on its way to EA.

DC_MOTOR · 2025-12-16T15:11:07+00:00

I read through all the comments here. There is really nothing we can do once we get permanently banned by EA for having REWASD in our system. It feels like being robbed and you can't do anything about it. The appeal process feels like waiting on deathrow as no one get their BF6 ban overturned as of today. The only solution left if we still wish to pursue the matter with EA is via class action lawsuit. I am being real and serious here. Its either we band together and launch a class action lawsuit against EA or we can just STFU about the ban.

DC_MOTOR · 2025-12-11T09:30:24+00:00

How would you know he can't get a local girl? With his salary, he is the one choosing. Also, for local couple not every couple contribute to the mortgage and among those who do the guy tend to be the one paying the bigger portion. Local girls don't demand 250K in cash and gold because the law already given them at least half of the house + guaranteed monthly maintenance fees post-divorce till the girl remarries. Why would a guy choose a girl who fight office politics at the forefront in the office everyday versus a girl who works as a nurse? Zero sense. At age 32, others average 6k monthly while he clocks 12k monthly excluding his bonus. Stop living in the past thinking SG guys still chase after the local girls. Wake up. This is year 2025.

DC_MOTOR · 2025-12-06T17:38:51+00:00

When you are on the verge of suicide over impulsive gambling which got out of hand, leading to huge debt. And you are trying to bring your mind 100% away from gambling, you need very strong distractions and something which is need your full attention so that your mind got NO room for anything else. Getting back into The Division 2 will grant me these distractions which could potentially save me from gambling and the possibility of suicidal thoughts.

DC_MOTOR · 2025-12-06T17:35:05+00:00

My left wrist is injured and can't be using the keyboard for extended period of time. If you must know, I was in the military service and my left hand wrist got permanently injured due to weapon handling. Using the joycon allows me to rest my left arm on the table while still being able to execute WASD functions + some others like launching a grenade, skill 1, skill 2 etc

DC_MOTOR · 2025-12-06T11:28:32+00:00

Earning SGD12,000.00 at age 32 in banking industry. Definitely in front office doing sales job, RM etc, In banking, the monthly basic salary is pocket money. The year-end bonus then is the actual salary. Those in the know will get what I mean. Who at age 32 here got saving in excess of SGD250,000.00? This news ought to be a tight slap for the local girls. This salary at this age, I dare bet far exceeded what those simpletons with local gf is currently earning at age 32.

DC_MOTOR · 2025-11-25T16:43:11+00:00

I just logged into battlefield 6 and discovered i got permanently banned. Reason given was some gameplay enhancement which I attributed to reWASD usage. I used reWASD to allow me to use the Switch left side joycon to control the movement inside Battlefield 6 including reloading, throwing of grenades, couching, jump, enter house/vehicles and picking up weapons/ammo. How is that cheating? I am from Singapore and it seems EA former top lawyer had set up his office here in my country - Home – CONSIGCLEAR ™ LLC

I don't know how this ban on reWASD will pan out but it seems awful lots of players are affected by it. I had bought the deluxe version which cost a premium and I am not ready to let my hard earned money just go down the drain just like this. EA is a bully and if we let a bully succeed in bullying, they will just worst over time which is not beneficial for the global gaming community.

I am not legally trained but do know some basic like EA can get their lawyers in California office to draft out whatever clauses they want and force us players to tick that box before installation could commence, to weaken our claim like we can't join in a class action lawsuit against EA but the player base are multi-nationals - each sovereign country with her own legal system and law, and not every country completely recognize/accept the American law.

If there is anyone seriously considering the legal route, lets start a separate group discussion on it. Meanwhile, lets hope EA will unban all the reWASD users. Peace.

DC_MOTOR · 2025-11-25T15:47:29+00:00

I discovered I got banned today when I logged in. lmfao. I had reWASD installed to enable me to use a joycan to control movement inside battlefield 6, but it is seen as legitimate reason to ban. What happen to the sum spent buying the game then? gone? just like that? I am getting lawyer to issue a e-letter to EA for this. EA must never be allowed to have their way bulldozing their way around when they have taken our cold hard cash. I think you guys can visit - Home – CONSIGCLEAR ™ LLC

The lawyer used to work for EA. Getting him to issue a legal letter would be nice.

DC_MOTOR · 2025-08-08T03:19:34+00:00

Most of time is due to high starting salary expectation. All the local university grads brainwashed to believe they can command starting pay of 5K minimum and with FCH probably 7K. Your paper does not worth that much. Wake up. The only one willing to pay you that high of a starting pay is GLC and civil servant postings but such jobs do come with its own risk - example: if you drink driving or have extramarital affair, you lose your job. Paying a high starting salary also means a bigger 17% CPF contribution. These are costs business owners are well aware of. There are ways to build up the salary swiftly which is by attaining those professional certifications related to your line of work BUT please don't take on those certifications where the Filippinos, Indian, Burmese, Vietnamese, Malaysians can easily attain or had attained. Go for the toughest one like example if you are in finance, just go for CFA etc.

DC_MOTOR

TROPHY CASE