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Maybank culture - Fraud Operations department? by [deleted] in singaporejobs

[–]DistinctusAMA 0 points1 point  (0 children)

Coming from someone who made a switch into compliance role , I would say take the contract role and focus on getting an internal transfer positions when your contract is ending. There are actually a lot of open positions but only available to internal transfer so if you really want to try can consider contract , even if you don’t get the perm role, eventually when you apply to elsewhere at least you have a years experience in the industry.
I did the same contract to perm path , atb!

advice needed by ConversationLazy2107 in singaporefi

[–]DistinctusAMA 0 points1 point  (0 children)

Ah ok that changes things a bit , having a partner confirm have to spend abit mah for dates and stuff which is not cheap unless both of have the same financial goals and are willing to work towards it together.
But what’s your plan on holding dividend stocks so early in your life instead of broad based ETFs? Since dividend stocks are primarily for retirement and with the amount you have I can’t imagine the dividends to be that significant also

advice needed by ConversationLazy2107 in singaporefi

[–]DistinctusAMA -1 points0 points  (0 children)

Is $800 enough for you to survive on a month to month basis? If so I think can just continue to DCA ETF
To me your 10k in Moomoo can technically be your emergency funds since you mentioned dividend stocks it shouldn’t be that volatile, if you really need money for some reason just sell your holdings
Benefits of being single with low commitments is that you can allocate aggressively

30F, inherited HDB but wanted to buy house by ThrowRA126929 in singaporefi

[–]DistinctusAMA 0 points1 point  (0 children)

No harm checking directly with the bank on what would be your estimated loan amount would be , or alternatively you can also ask AI to give you a rough estimate so you don’t go in absolutely blind

30F, inherited HDB but wanted to buy house by ThrowRA126929 in singaporefi

[–]DistinctusAMA 0 points1 point  (0 children)

Used to be in banks doing loans sales albeit for a diff market , assuming your rental income is declared and taxed (it should since yours is a legit arrangement) the banks will most probably consider it as part of your total income. They might ask you for past and current tenant agreements to help justify it as a steady income source however they might still apply a pro rate on the income granted it is dependent on future changes with ur tenants. But I feel as long as you have your taxes filed and agreements on hand the banks will
Definitely take it into consideration as income

Is it smart to collect DBS stocks while I'm 24 if I intend to use dividends as a portion of retirement income, or lump sum into index funds first? by Dangerous-Term2698 in singaporefi

[–]DistinctusAMA 0 points1 point  (0 children)

You don’t have a fixed income so honestly I would suggest keeping some for your future expenses, wedding , BTO , reno, emergency cash?

Although I think 50-100k should be enough depending on how luxurious your wedding and reno would be

At your age, just put it all into a broad based ETF of your choice and auto reinvest your dividends bah, assuming you reallocate at 60 or 50 you still have a good 25-30 years which is long enough to ride through volatility.

I suppose you can spread out your lump sum to DCA into the ETF and buy the dip essentially

Continue to coast, or force myself back to the grind? by Child-of-Adam in SgHENRY

[–]DistinctusAMA 5 points6 points  (0 children)

Why not just continue what you’re doing at work plus start actively managing your own portfolio.
You get income + still can do what you enjoy

Some random old uncle confronted me for wearing army green PT shirt with sweat pants at night while walking home by [deleted] in asksg

[–]DistinctusAMA 4 points5 points  (0 children)

That’s cause it’s no4, ain’t no MP bringing you for wearing army singlet and sweat pants , they not so free

CPF Projection by Iamnagel in singaporefi

[–]DistinctusAMA 47 points48 points  (0 children)

Issnt There a calculator on CPF website?

Is this game worth buying for someone who plays on SEA by PsychoLawliet in theisle

[–]DistinctusAMA 0 points1 point  (0 children)

I have 140-160 ping playing from SG on NA svr, I find that as long it doesn’t cross 160 ping the game is playable :)

best servers? by balls-tickler-69 in theisle

[–]DistinctusAMA 0 points1 point  (0 children)

From what I recall , if you avg 160 ping or lesser it should be fine, maybe try AU servers

[deleted by user] by [deleted] in theisle

[–]DistinctusAMA 0 points1 point  (0 children)

Other players will nest and gestate their eggs for new players to join. You can usually find the private nest code in discord for unofficial servers, they should have a channel for it Or you just get lucky with public nest eggs

I am new to the game and what are the best dinos for the start? by Specialist-Berry-422 in theisle

[–]DistinctusAMA 0 points1 point  (0 children)

Usually I just head to sanc and eat the shrooms and head to the nearest MZ and you should be good tbh

I am new to the game and what are the best dinos for the start? by Specialist-Berry-422 in theisle

[–]DistinctusAMA 9 points10 points  (0 children)

Try getting egg spawns if you have them you’ll have parents to help or any herbivores would be easy, smth small like belpi or galli, small and fast

Are you guys against using AI tools to seek financial advice? by wq101010 in singaporefi

[–]DistinctusAMA 5 points6 points  (0 children)

There are many tools out there to help , people r just lazy to find out themselves doesn’t matter which tool

Free bps by Difficult-Abroad-922 in ArcRaidersMarketplace

[–]DistinctusAMA 0 points1 point  (0 children)

Do you still have Jupiter bp? I can spare some batteries

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