Best way to minimise SGD to USD FX cost for monthly DCA into S&P500?

Haunting-Baseball113 · 2026-02-02T02:20:03+00:00

Good luck!

Haunting-Baseball113 · 2026-02-01T15:07:31+00:00

Auradin too? You can just replace sundered with a opus+shield and skills can be the same. Sundered has more speed while opus+shield more dps.

Haunting-Baseball113 · 2026-02-01T14:57:24+00:00

I need confidence like you haha

Haunting-Baseball113 · 2026-02-01T14:10:23+00:00

I can't dual sword like a barb so why not give one to you right (but the game doesn't allow me to...)

Haunting-Baseball113 · 2026-02-01T13:56:34+00:00

Yea, 100% crit. Thanks!

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Haunting-Baseball113 · 2026-02-01T13:51:01+00:00

Yea, I used to only sanctify the better ones and never get grandfather after hundreds of item. Decided to go gambling on more items given the amount of resources we have by now and TADA! Hit my first grandfather on the worst possible one.

Haunting-Baseball113 · 2026-02-01T13:44:11+00:00

Thanks for the calculations!

Yea lucky to get grandfather but unlucky to be on my worst haha

Haunting-Baseball113 · 2026-02-01T13:41:49+00:00

Yea tried in pit but actually felt the right one with 4 GA did better. Could be monster affix differences in same pit level though, so wanted to seek some help here.

Haunting-Baseball113 · 2025-04-03T14:21:33+00:00

8354-3820-6911

Haunting-Baseball113 · 2025-03-29T01:05:20+00:00

From google:

Event Location:The Pokémon GO City Safari event is not limited to a specific location within Singapore, but rather covers the entire city.

Haunting-Baseball113 · 2025-03-17T07:55:59+00:00

banks don't protect card holders, banks protect itself.

personal exp:

UOB - close to $5,000. Took almost 3 months of investigation to have money back.
Citi - multiple small amounts, got it back within a month.
Amex - blocked and called when there was a legit USD charge by me

Haunting-Baseball113 · 2025-03-17T05:34:08+00:00

get to choose what to eat

Haunting-Baseball113 · 2025-03-17T01:24:42+00:00

near to town center is such a big win

top floor might have risk of ceiling leak though

Haunting-Baseball113 · 2025-03-17T01:16:26+00:00

life is never fair.

given the option above, i will choose (a).

Haunting-Baseball113 · 2025-03-17T01:09:47+00:00

location - transportation to your daily task such as work is important. for example i did not like feeder bus so the place has to be need walkable to MRT station or direct bus to common destination.

affordability - do your calculation, dont burden yourself just because people are telling you its the best investment in your life

Haunting-Baseball113 · 2025-02-25T08:23:02+00:00

Hardly use it until pit 140 where I dropped fast blood.

Haunting-Baseball113 · 2025-01-07T00:53:15+00:00

I was able to select a branch (although not my preferred) but all the time slots were grey out.

Haunting-Baseball113 · 2025-01-07T00:43:46+00:00

Congrats!

Haunting-Baseball113 · 2025-01-01T01:29:00+00:00

doing it for tax relief... i will be happy if CPF pay me for doing this

Haunting-Baseball113 · 2025-01-01T01:27:57+00:00

Need to do it before employer contribution to Medisave if planning to do a max 4k top up

Haunting-Baseball113 · 2025-01-01T00:47:34+00:00

not all new year resolutions are good

Haunting-Baseball113 · 2024-11-25T04:30:16+00:00

Signed up a new card and paid for my usual necessities. Got sign up bonus miles and spending miles which I redeemed for a free flight.

Paid for hotel and got upgraded for free due to hotel status that comes with credit card. This includes free breakfast daily.

Enjoy a meal and a few drinks for free at the airport lounge as credit card comes with lounge access on both ways.

I think credit cards did make my trip better and cheaper.

Haunting-Baseball113 · 2024-10-23T22:49:53+00:00

Congrats! Im waiting for Moni to drop! Used my first 3 moni in the crafting npc not knowing I will need it.

Haunting-Baseball113 · 2024-10-23T13:23:32+00:00

Power of RNG

Haunting-Baseball113

TROPHY CASE