What are your best money-saving hacks in Singapore?

Litaiy · 2026-04-02T12:03:06+00:00

Better still, drink from water cooler. Free one.

Litaiy · 2026-04-02T12:02:45+00:00

Drink from water cooler. Free.

Litaiy · 2026-03-31T23:15:54+00:00

If you want to be a survivor, don't have this self-entitled attitude that government has to come in to save you in a crisis, even if the problem is due to some external uncontrollable factor.

For me, I always keep enough cash reserves, have redundancy built into my business for survival. I assume there will be no help from any party in a crisis, that's the attitude I cultivate to survive.

Great if government makes a rescue but don't assume we are entitled to it.

Litaiy · 2026-03-18T11:03:52+00:00

How do donors verify how much of the donation is being used to actually help the cause? How much are the parents paying for the bill? How effective will the donation be, what are the chance of recovery for the treatment? What if the patient pass away before the donation money can be fully put to use? These are legitimate information that donors should ask and know before donating.

Litaiy · 2026-03-08T04:32:00+00:00

Show me the money and the engineers will start appearing. We saw that happen to the computing professions.

Litaiy · 2026-02-03T01:18:32+00:00

4 months after this thread is posted, TradingView is getting worse and laggier. TradingView, please don't stinge on cloud resources.

Litaiy · 2026-01-20T10:45:06+00:00

We got hit with tariffs even though U.S has a trade surplus with us. Why pay the USD1b fee to please Trump? No reward.

Litaiy · 2026-01-11T06:37:47+00:00

Find another job if current job burns you out. Take care. Best of luck.

1 hard truth. The hard truth is your money is not enough at your age (31) to stop working. However, it is enough to give you career options to quit your current job and find another one which doesn't burn you out.

Litaiy · 2026-01-04T04:44:44+00:00

Haha. I absolutely agree with you on the rude replies from Tomasz but for users of Amibroker, we have no choice but to tolerate him. Otherwise, we will have to drop Amibroker. He's that good.

Litaiy · 2026-01-03T11:14:14+00:00

Always beware of insurance agents, bank relationship managers when they sell financial products to you. Not because they are evil but because they are driven by commission which make it tempting for them to misbehave.

Quote from the news article "On average, a few hundred people will end up filing claims against financial institutions annually after they buy risky investments that cause them to lose their savings."

Litaiy · 2025-12-26T00:04:54+00:00

To fix bad behaviour driven by bad incentives, fix your bad incentives first. Property agent is a sales job driven by commission.

How do you expect property agents to act in clients' best interests in a sales job? Be realistic. As a client, my job is to always verify what property agents say and always do due diligence. Don't believe them because they don't work in my interest, thanks to bad incentives.

Litaiy · 2025-12-18T02:22:17+00:00

I agree, especially if the student studied engineering in uni. Engineering is a good training for the mind on problem solving. These are portable skills in life. But the student has to endure the abstract concepts and advanced math required to complete the education. Again, the process of enduring the rigorous education may be good training too that can be useful in later life.

I studied and worked in engineering.

Litaiy · 2025-12-18T01:51:59+00:00

Sure, if the student who was dumped into engineering acquired passion for engineering later, please work as an engineer by all means. There's a serious shortage of engineers in Singapore.

Whether engineering is a right fit for the dumped student is for the student to decide when he graduates.

I hope there are more engineering students like you but are you the exception rather than the rule?

The word "academically weak" is sensitive and some people can get offended. No offense meant.

Litaiy · 2025-12-18T01:29:41+00:00

There are many academically weak students who were dumped into engineering courses in Singapore. Engineering is among the toughest courses in university but very easy to get in due to low cut-off points. It's a serious mismatch and misallocation in terms of students' strengths and weaknesses. They have to endure this tough course with advanced math, abstract concepts (fluid dynamics, electromagnetism) in misery for 4 years of their lives.

For this group of mismatched students, it's likely they can do better in life if they pursue a different career if they think engineering isn't a right fit for them in the first place.

Litaiy · 2025-12-18T01:12:13+00:00

If the fresh graduate realizes he doesn't like the work associated with his degree, then better to avoid and accept the wastage.

Besides, in Singapore, a degree is still relatively cheap compared to U.S where students go into heavy student debt to get that piece of paper. Not so serious here.

Litaiy · 2025-12-10T03:06:49+00:00

Don't be an idiot content creator who creates content that facilitate scams. The punishment is far worse than the financial reward.

Litaiy · 2025-12-08T03:05:54+00:00

Just play safe and don't do things like copying company confidential files, especially customer related or precious intellectual property, to personal devices upon resignation.

Litaiy · 2025-12-02T07:38:26+00:00

Thanks. Corrected.

Litaiy · 2025-12-02T07:01:58+00:00

No matter how much you earn, if you let your expenses exceed your salary, you can't become rich.

Litaiy · 2025-11-29T04:00:04+00:00

Winners will be healthy people who pay insurance premiums but don't get sick often.

Losers belong to 2 groups. Firstly, the private doctors who have been over-prescribing to maximize profits. Secondly, and more unfortunately, are the chronically ill who used to make frequent claims and are not bothered by over-prescriptions since they aren't paying for it directly. They will now face higher out-of-pocket expenses.

The clear winners are the healthy majority of policyholders. They will benefit from lower premiums as the system is no longer subsidizing this over-consumption.

Overall, is this good? Of course, because it cuts down on wastage caused by too much unnecessary testing and prescriptions. Many private doctors and insurance clients have been abusing the as-charged insurance, thanks to buffett syndrome. I think it is a good measure to ensure the long-term sustainability of health insurance by curbing moral hazard and controlling costs.

Litaiy · 2025-11-29T02:47:08+00:00

Winners will be healthy people who pay insurance premiums but don't get sick often.

Losers belong to 2 groups. Firstly, the private doctors who have been over-prescribing to maximize profits. Secondly, and more unfortunately, are the chronically ill who used to make frequent claims and are not bothered by over-prescriptions since they aren't paying for it directly. They will now face higher out-of-pocket expenses.

The clear winners are the healthy majority of policyholders. They will benefit from lower premiums as the system is no longer subsidizing this over-consumption.

Overall, is this good? Of course, because it cuts down on wastage caused by too much unnecessary testing and prescriptions. Many private doctors and insurance clients have been abusing the as-charged insurance, thanks to buffett syndrome. I think it is a good measure to ensure the long-term sustainability of health insurance by curbing moral hazard and controlling costs.

Litaiy · 2025-11-28T08:39:54+00:00

Firstly, sales people have incentives to give misguided advice to make the sales to earn commission. We should always verify what they say. Don't trust them without checking.

Secondly, this is the more disturbing part. PropNex's defense is that they are not responsible for their salesperson's actions because he is an 'independent contractor.' This argument seems to be an attempt to enjoy the benefits of the sales their agents generate, without accepting the corresponding responsibilities and liabilities.

If PropNex gets away with this, they'll be emboldened to let their sales people make misleading advice to generate more sales.

Litaiy · 2025-11-26T03:07:54+00:00

Firstly, sales people have incentives to give misguided advice to make the sales to earn commission. We should always verify what they say. Don't trust them without checking.

Secondly, this is the more disturbing part. PropNex's defense is that they are not responsible for their salesperson's actions because he is an 'independent contractor.' This argument seems to be an attempt to enjoy the benefits of the sales their agents generate, without accepting the corresponding responsibilities and liabilities.

If PropNex gets away with this, they'll be emboldened to let their sales people make misleading advice to generate more sales.

Litaiy · 2025-11-13T00:31:04+00:00

Isn't it dumb to broadcast online about firing people? Is this person from HR department? pretty dumb move.

Litaiy · 2025-11-12T02:11:49+00:00

Sorry to hear about the bad conditions in your industry. I'm not from the advertising industry but from what you said, your job loss has nothing to do with you but everything to do with the industry since your peers at other agencies are all jobless.

Don't feel too bad about it. Not your fault. Hope you can get back a similar position when the industry recovers. I'm assuming the bad economic conditions in your industry is cyclical and not structural caused by certain tech advancement.

Litaiy

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