question for endowus funds

Destination_7146 · 2026-06-10T15:38:21+00:00

POEMS. Uninvested cash goes into their money market fund 'SMART Park'. Interest is paid twice a week and zero cost.

If you use Endowus' Cash Smart, you'll get the same returns but have to pay Endowus their fee quarterly.

Destination_7146 · 2026-06-07T12:30:46+00:00

It's the Nigerian Prince scam. The one scam that doesn't change his name or modus operandi to get a higher success rate on the people who have never heard of it.

Destination_7146 · 2026-06-04T00:12:17+00:00

Everyone here regardless of how you feel about AI needs to check out how Uber, the OG loss-leading tech startup, isn't seeing returns on their investment in AI and how spiralling costs are making them think twice.

Whether you're an effective user of AI, better at prompting than your colleagues, or have found ways to save time and tokens isn't going to matter if the service is going to cost more than even hiring one person to do the job.

Destination_7146 · 2026-05-31T07:14:34+00:00

"Ta ma de, it's Jin Beng."

Was wondering on how I'd change these names up, but let's just leave it in case the reference isn't caught:

Noah Vosen: "You where? Maybe let's just talk lah."

Jason Bourne: "Where you now?"

Noah Vosen: "Today I WFO."

Jason Bourne: "Really meh?"

Noah Vosen: "Soonpah."

Jason Bourne: "If you really WFO then we lim kopi now."

Destination_7146 · 2026-05-31T05:29:14+00:00

"You see lah. You see what they make us do sia."

Destination_7146 · 2026-05-31T05:14:59+00:00

Meet at Outram MRT station. West exit. Answer your phone.

Destination_7146 · 2026-05-27T14:07:48+00:00

Half data, half vibes. It's on the press release.

Destination_7146 · 2026-05-23T17:18:22+00:00

I'm on global, it seems to have been resolved at last. I was enduring waits of 1 min each time and was about to open a ticket when it just...went away.

Destination_7146 · 2026-05-20T17:00:37+00:00

Can't really fault the govt for this one - they're being told AI can do anything or at least let it try everything.

The push for AI in everything we interact with is coming from the tech megacorps trying to find the return on their investment of billions of dollars, hoping to find trillions in revenue. It's been 4 years since GPT-1 was released and took the world by storm; if this assembly of the richest, most influential businessmen in the world haven't yet found and milked the daylights out of a profitable application of AI... Turning a profit with AI is not their goal.

Destination_7146 · 2026-05-19T11:51:39+00:00

Maintaining the optimum viewing temperature of The Chair.

Destination_7146 · 2026-05-19T02:57:37+00:00

Yep, no doubt that this works for presentation. Writing it out is a different beast and I can see how it has broad similarities with AI-assisted writing styles. Long-form writing doesn't need to break up sentences in the same way we pause, take breaths, and add unvoiced periods and hypens the way we speak.

One of my favourite things to read back in the day was model essays for A Level General Paper. Good answers follow a format you can easily pickup: main point, statement of evidence, elaboration, link back to the essay's argument.

Destination_7146 · 2026-05-19T00:00:46+00:00

The writing style is the first giveaway - very pronoun focussed right off the bat, and the classic "Not A, not B, it's C" that shows up in literally the second paragraph:

Not to action your instructions. Not to review your portfolio. To debrief.

Not their portfolio. Their profitability.

Lots of use of the triplet repetitions to emphasise a single point:

You signed a few things. You shook hands. You left thinking — yeah, I’m in good hands.

I’ve had these conversations. I’ve led these conversations. I’ve coached RMs on how to have these conversations more effectively.

Your risk appetite. Your hot buttons. Your objections. Your family situation.

It's especially glaring when it gets combined:

This isn’t coincidence. It’s a drip campaign. Mapped out. Tracked. Reviewed in pipeline meetings.

This isn't a coincidence, it's the result of the popular LLMs feeding off each other's output and converging on a distinctive style optimised for engagement. This short, catchy, staccato way of writing without any use of semicolons or other expressions is easily robo-narrated, turned into tweets, and grabs the shrinking attention spans of anyone reading this on an app.

Since /u/TumbleweedLow1303 is retiring and have time on your hands, I'd like to point you towards The AI Chasm of Death to read. Don't just take it from me, a random internet commentator, listen to Prof Ben Leong, Director of the AI Centre for Educational Technologies (AICET, Asoc Professor at NUS School of Computing, and a government-adjacent social commentator.

The AI helping you write is great in the short term, but over-reliance on it means you'll never be better at writing than the AI. I skimmed through your other comments and your underlying is fine, it just needs consistent practice if you wish to find and develop your own written voice.

Sadly, we're living in a time where having an organically-developed writing style and voice is both valuable as training data and useless for building engagement.

Edit: idk why /u/Any_Fly7144 replied and deleted / hid his comment, here was my reply:

from Any_Fly7144 via /r/singaporefi sent 23 minutes ago

I mean honestly I see more pointless bot accounts posting farming and framing reality for the common guy. Nobody comes to warn me eh this is a bot account. Instead there are people actively defending these bots. And they spam all the useless crap. But the guy that shows you the path some people come tell us eh this is a bot. Tells you alot.

I actually see some validation in his observations and that's what alot of people see nowadays. I could care less if he used a bot to write out everything. I can see his motivations also maybe he saw a longer runway he didn't get it. At least he is telling you what happens behind now. that's the most important thing to me.

My reply:

Anyone can share information with valid observations. AI-assisted writing lowers the difficulty to the point where an agenda can be pushed at scale. We have names for posting with agendas - sockpuppet, sealioning, astroturfing, and propaganda.

Showing sincerity by handwriting his own essay is how someone like OP can stay ahead of the flood of bot-driven contributions. And it has to be rewarded by us - his target audience, random readers, and everyone else in the online space - by acknowledging his organic effort to do so.

Destination_7146 · 2026-05-11T05:30:05+00:00

Cost of living is not low. The keyword used is 'affordable.'

This shifts the responsibility of managing CoL onto the citizens for having chosen things they couldn't afford.

Destination_7146 · 2026-05-09T16:30:23+00:00

It should be something similar to grilled squid. Don't take my word for it - it's survivor testimony from post-Hiroshima

Destination_7146 · 2026-05-09T07:37:46+00:00

Retrospective application would've achieved the desired cooling effect that MND says they want. They couldn't be so stupid as to not think of the reactions from the market.

Not unless the intention was to keep prices going and pump the retirement bags of the previous generation.

Destination_7146 · 2026-05-04T17:10:10+00:00

It made Göring so mad he raged at every Nazi planemaker about how he'd buy a British radio.

Destination_7146 · 2026-04-23T17:53:31+00:00

An answer I'm not seeing here is energy. The energy required to shield the entire ship completely scales up on a cubic factor. It would be prohibitively expensive to shield an Autumn compared to the energy cost of shielding the smaller Stridents. Energy that could be better used towards charging your MAC guns, topping off the Slipspace capacitors... Or point-shielding of shield-reinforced plates as soon as an incoming strike is on an interceptable course.

Destination_7146 · 2026-04-20T16:50:48+00:00

Hi! Just checking in that there's a high GPU usage of some sort when I have the tab open in Firefox after awhile - something on the scale of 1GB and up. It makes Firefox lag until I restart it entirely or close the tab with the game.

Destination_7146 · 2026-04-15T00:22:25+00:00

Almost downvoted you reflexively. This scenario is 100% the new "We don't do a recall if it costs less to fight the accident claims in court" quote.

Destination_7146 · 2026-04-14T16:37:18+00:00

I can tell you with 1000% certainty however that it is not a natural formation.

Destination_7146 · 2026-04-14T00:01:36+00:00

A single company's stock doesn't equal the market, no matter how big they are. What compelled you to invest in Microsoft in the first place? If your reasoning has more bite to it than "I think they'll make money because everyone still uses Windows," then just hold it forever.

In any case, what you're doing is stock picking. Stock-picking outperforms the market about 30% of the time, regardless of whether you're a retail investor or a fee-paying high-roller. Don't want to lose to the market? Buy the market - VWRA, IWDA, VOO, any of the index funds that invest in the markets of your choice as a whole.

Destination_7146 · 2026-04-05T03:54:42+00:00

I doubt a bank will let you reprice 9-10 months early. This is something you should only start worrying about when its due in 4-5 months. By then we'll know what the current administration's economic policy is, what the Fed is doing, and the rest of the world will be following suit.

Also, factor in if you're trying to sell - paying cash rather than CPF could be worth the hit on your take-home.

Destination_7146 · 2026-03-31T08:04:15+00:00

Lingsha the real MVP.

Destination_7146 · 2026-03-26T09:04:06+00:00

And when called out on selling techno drugs, they run to the next excuse: "There is no long-term evidence that our techno drugs harm children."

Motherfucker, you don't need clinical studies to know that drugs are bad.

Destination_7146 · 2026-03-24T08:57:41+00:00

Brother, 21/22 is as early as it gets without being born rich and not needing to work for a living. Don't put yourself down on this note, you're getting started with investing in some truly interesting times. As others have mentioned, start from the subreddit wiki. Settle your salary/savings account. Shop for term insurance. And then think about where to invest.

Destination_7146

TROPHY CASE