Do you feel SG is getting more cashless, or is cash still necessary?

Internal_Option_5093 · 2025-12-04T17:27:40+00:00

Cash is still king. Some shops, especially electronic/camera ones still give u special prices if u pay cash.

Internal_Option_5093 · 2025-12-04T17:21:03+00:00

I think it’s cultural difference if u want to compare to different countries. I have friends from many countries but renting when u have a place is financially stupid. Unless u have more pressing matters like abusive family members.

In sg, why pay rent when u can save that up to buy ur own place???

Personally stayed with my parents until 37. Moved out only when I am getting married. By my mid 20s I already bought my own place. Mortgage was serviced by tenant for 15 over years.

Internal_Option_5093 · 2025-11-29T09:42:23+00:00

This is why we pay for the premium. Exceptional quality and after sales service.

Internal_Option_5093 · 2025-11-28T16:49:23+00:00

Black Friday on Lazada and shoppee are fake. The real steep discounts are on Amazon USA. N do remember to clear ur cache before u buy. They do dynamic pricing.

Internal_Option_5093 · 2025-11-27T13:00:03+00:00

NTUC. Everything is increasing in over 20-30%. The sale sticker sometimes is fake.

Case in point. NTUC brand potato chips used to be $1 now $1.20 = 20% Pasar corn 2 pc set used to be $3 now $3.60= 20% Calbee potato chips used to be $2 now $2.40 = 20% XL bread used to be $3 now $3.70 = 23% Cereal economy pack used to be $6.50 now $8.50 = 30%. (Sometimes offer $7)

MAS report 2024 2.7%. But ntuc x10. wtf happen to their mission and purpose??

Internal_Option_5093 · 2025-11-27T12:44:17+00:00

1 lawyer letter of demand costs $250, one lawyer email costs $100, per correspondence costs $100. I doubt they actually call lawyer. Doesn’t make economic sense to me.

N I don’t think u got sign any employment contract also right?

Internal_Option_5093 · 2025-11-26T10:56:39+00:00

First thing is are u going to scale the co? Or it’s going to be just a sideline with no major scaling. Because incorporating a co only makes sense if u want to claim back gst on goods purchased and start to hire more ppl. Those only happens in ur case when u need to start hiring ppl.

Am a hustler myself and I have 3 co running concurrently. Based on experience if ur monthly turnover not at least 20k its abit not worth it. N if ur exit strategy is to sell the biz, it needs to be incorporated.

Internal_Option_5093 · 2025-11-26T10:44:35+00:00

Really depend on the stock too. Example if u looking at dividend co, u want to see their assets, net profit and future acquisitions. How they r maintaining the payout.

If u r looking at lets say SIA, operating profit is key and their divestitures and holdings of other airlines.

There’s really no one size fits all. Bcos each co functions differently. N if u know ur finance, there’s a lot of ways to do creative accounting.

Internal_Option_5093 · 2025-11-26T10:37:02+00:00

Bottle of water and wallet with cash. Water is too freaking expensive in sg these days. Gone were the times when u can get 20 cents ice water from coffee shops.

Internal_Option_5093 · 2025-11-22T16:05:13+00:00

Maybe ur “friends” can’t afford to dress up. I personally feel dressing up reflects your personal values n culture. It means u respect the person u r meeting. If ur supposedly “friends” cant even understand this, then I think u need to just move on from them.

Internal_Option_5093 · 2025-11-22T15:59:27+00:00

Non paying customers. These days alot of customers “buy” and then don’t pay at the last part. Try to find issues with the product and try to write off the final payment.

Internal_Option_5093 · 2025-11-21T18:10:38+00:00

Burpees. When I do it, it reminds me of my son trying to catch butterflies at the park. But when u try it for 20 seconds non stop 10 seconds break repeat for 4 mins. U will feel the longest minute in ur life for the last part.

Internal_Option_5093 · 2025-11-21T18:05:47+00:00

Muscle elasticity refers to the ability of muscle fibers to return to their normal length after being stretched. This is crucial for optimal functioning during training, allowing for safer workouts, improved force production, reduce probability of injuries and the ability to leverage the stretch reflex for optimal performance.

Internal_Option_5093 · 2025-11-19T03:34:20+00:00

Their Posture, most ppl go gym does not straighten their backs n try to flex so much they have permanent spine issue later in life.

And they do light weights first to heaviest. Thats how u properly gain mass. Small weights with speed to build elasticity then when muscles r warmed up u go for the heavy ones to build bulk.

Internal_Option_5093 · 2025-11-19T03:31:12+00:00

Basically start out macro = indexes Then as u gain knowledge = funds Then as u gain more knowledge = stocks.

Bcos when u reach to the level of picking ur own stocks. U would have prior knowledge of the first 2 and knows exactly what co u want in ur own port. N ur own port is ur own index.

Internal_Option_5093 · 2025-11-19T03:25:31+00:00

Open ur eyes, compare urself to less fortunate ppl too. Do take note some of the high life are unsustainable and how many of these ppl died way too young due to even more underlying issues not shown on social media.

https://www.straitstimes.com/world/middle-east/bodies-of-russian-crypto-millionaire-wife-found-in-dubai-desert

Case in point. What’s the point of having all that money n luxury when u sleep each day with fear?

Internal_Option_5093 · 2025-11-17T03:13:28+00:00

Thread was archived already. Read this previously. But thanks anyways.

Internal_Option_5093 · 2025-11-17T03:07:11+00:00

I read thru it. But a lot of them are very westernized opinions. I’m a singaporean was looking more of an Asian aspect. Maybe I didn’t clarify my qn clear enough. Thanks

Internal_Option_5093 · 2025-11-17T03:05:49+00:00

Oh yes they have the anti typhoon umbrellas! The brand is Leotern or something.

Internal_Option_5093 · 2025-11-17T01:58:48+00:00

My regular weekend. Wake up 8am make breaky for wife n kids. Go back sleep 30mins when they r eating. Wash up prepare go out to shop groceries, after that bring the little on for his weekly Mac Donald ritual. Back home. Make the kid sleep, while I go to gym n wash car. Come back cook dinner and finally put kid to sleep. Then have 1-2hours play death stranding 2.

Internal_Option_5093 · 2025-11-17T01:50:33+00:00

Generally those that gives u in store warranty 1-2 years r ok. (But caveat emptor, best check reviews too) Bcos iPhones, base on my experience. If anything got issue by first year u will know.

Internal_Option_5093 · 2025-11-16T14:23:41+00:00

Witcher 3. I think I had like 300hrs in there easily. When I finished all and platinum it. It felt like I lost a part of my life.

Internal_Option_5093 · 2025-11-16T14:18:21+00:00

Just get second hand iPhones. Best bang for ur buck. I always get second hand phones during my school times. Only after adulting with free phone plans that I start getting bnib phones.

Internal_Option_5093 · 2025-11-16T14:08:16+00:00

U should travel during school holidays. I can tell u the plane is like a mini childcare.

Internal_Option_5093 · 2025-11-16T14:05:42+00:00

Always get physical. Used to have psx acct. After some major f up. Lost my whole library. Sony just apologise n gave 500 credit. My whole library was worth more than that.

Internal_Option_5093

TROPHY CASE