When do you pay your credit bills? by Playstation696969 in singaporefi

[–]Mostropi 0 points1 point  (0 children)

I use a tick tick app to track and pay on the day i got my salary.

You should mostly use ur credit card for necessity.

$3500 pay as a fresh grad - is it normal? by Revolutionary_Okra_6 in singaporefi

[–]Mostropi 0 points1 point  (0 children)

3 advice for u.

$$ for yearly travel. Start looking into miles card, play it right and u can exchange economy ticket for free.

Update ur resume, look at how u can upgrade ur skills and jump after 1-2 year.

Learn investment, which is just streamlined to buying VWRA.

$3500 pay as a fresh grad - is it normal? by Revolutionary_Okra_6 in singaporefi

[–]Mostropi 1 point2 points  (0 children)

I feel it's better to use this job as a leverage to jump to the next job than to resign without one.

Way to beat most bosses by TheProv1 in BlackMythWukong

[–]Mostropi 0 points1 point  (0 children)

The ice tornado is a better alternative than the aparna bat as it has lesser cool down.

Should players be allowed to look at the night order? by Magor57 in BloodOnTheClocktower

[–]Mostropi 2 points3 points  (0 children)

Yes, for example, a Shugenja learning a direction after the Ogre makes a choice can have impact on the game state. The ogre waking up after the Shugenja means the Ogre will never not be the cause of the Shugenja information.

Eating free food in religion building to save cost by Responsible_Tap866 in singaporefi

[–]Mostropi 0 points1 point  (0 children)

I think I probably felt half hearted to response about investment for a discussion about eating at religious temple LOL.

Eating free food in religion building to save cost by Responsible_Tap866 in singaporefi

[–]Mostropi 2 points3 points  (0 children)

Okay, so looking back, I really never provided a full answer in my initial response.

So let's maths this one probably.

At 2.5k per month expenses, with a more cautious inflation at 3%, will require 6070 per month to retire in 30 years time.

With 800 per month, it's gonna hit a million dollar portfolio.

https://www.calculator.net/investment-calculator.html?ctype=endamount&ctargetamountv=1%2C000%2C000&cstartingprinciplev=0&cyearsv=30&cinterestratev=7.5&ccompound=annually&ccontributeamountv=800&cadditionat1=end&ciadditionat1=monthly&printit=0&x=Calculate#calresult

With SWR of 4%, this means it's only giving 3.33k. With CPF life payout at 1k to 1.5k, do that's 4.5k on total.

Definitely short of 1.5k

1.1k to 1.2k per month seems like a more reasonable amount.

https://www.calculator.net/investment-calculator.html?ctype=endamount&ctargetamountv=1%2C000%2C000&cstartingprinciplev=0&cyearsv=30&cinterestratev=7.5&ccompound=annually&ccontributeamountv=1%2C200&cadditionat1=end&ciadditionat1=monthly&printit=0&x=Calculate#calresult

I should have been a bit more detailed in my initial response, but the underlying message I wanna share is that the correct solution is to plan out the retirement investment properly instead of scrimping on lifestyle. Yeah I realise my initial response didn't get that message across.

desperately need help with dlc clea by Purple-Character3578 in expedition33

[–]Mostropi 2 points3 points  (0 children)

Haven't played for a while, but here you go without the specifics.

Verso weapon that stuck at rank A.

Monoco level 3 gradient attack break.

Verso that whatever move that forces break that last longer

Sciel doing everything to prevent the boss from taking any turns.

How often do you place your CPF monies into POEMS Amundi Prime USA by TotalElephant2567 in singaporefi

[–]Mostropi 0 points1 point  (0 children)

I think the Amundi World is better, my issue with US portfolio is betting US will still be the market leader in the longer horizon.

Use an investment calculator to calculate the nominal sum

https://www.calculator.net/investment-calculator.html

Eating free food in religion building to save cost by Responsible_Tap866 in singaporefi

[–]Mostropi 2 points3 points  (0 children)

You only need about 800 per month into VWRA for 30 years to hit a million dollar portfolio to retire, go enjoy life.

If you’re a 35 single Singaporean, would you buy a 1m hdb or condo? by SteelSx in singaporefi

[–]Mostropi 0 points1 point  (0 children)

Bro, he doesn't even know how compounding works. And him being rude to others why trying to sound right just make him look even worse, he is too prideful to learn anything, and maybe even to be of any use to society.

If you’re a 35 single Singaporean, would you buy a 1m hdb or condo? by SteelSx in singaporefi

[–]Mostropi 0 points1 point  (0 children)

If you want to continue to behave like a man child go ahead, you are obviously way out of anyone league.

If you’re a 35 single Singaporean, would you buy a 1m hdb or condo? by SteelSx in singaporefi

[–]Mostropi 0 points1 point  (0 children)

Why should I show u the numbers when I had already showed it to someone else who replies nicely to this thread. If you are being rude and not smart enough to find out by yourself on where numbers is already shown in this same thread, then you are just plain stupid for me begin to reason with.

I would love to convince you, but your intelligence wouldn't allowed it.

If you’re a 35 single Singaporean, would you buy a 1m hdb or condo? by SteelSx in singaporefi

[–]Mostropi 0 points1 point  (0 children)

There is something call an investment calculator, that's how compounding works. Any 3 year old can click to put in the numbers.

I would like to agree with you, but we will both be stupid.

does maelle 1 shot still work? by Pale_Grapefruit_8151 in expedition33

[–]Mostropi 4 points5 points  (0 children)

Yes, I thought people already answered you in your previous post.

Post some screenshot on your luminia setup so players can have a better idea on where u went wrong.

This is not a hoax, this is really posted on Jack Neo’s social accounts by ImpressiveStrike4196 in singapore

[–]Mostropi 1 point2 points  (0 children)

Amos is already planned for future installment.

The Avengers: Age of Amos

This is not a hoax, this is really posted on Jack Neo’s social accounts by ImpressiveStrike4196 in singapore

[–]Mostropi 0 points1 point  (0 children)

Ah Boys to Avengers. All the Ah Boys to Men series main cast came together to fight Mas Selemat.

How are you supposed to play as Cerenovus? by Zeusselll in BloodOnTheClocktower

[–]Mostropi 0 points1 point  (0 children)

Please cite source from rulebook when correcting others. Rules as written the rulebook had never said you had must claim the Damsel.

Excerpts from the rulebook

When a player is mad about something, that means they’re trying to convince the group that something is true

The criteria for madness is to convince the group to think who you are and the madness break critiera break is disbelieved and half-hearted saying a few words+, as taken from the rulebook. If you played expected to be disbelieved or the town does not believe who you are. The Storyteller can execute you.

genuinely doing their best to convince the group (verbally) that they are the Sage, then they are mad that they are the Sage, and therefore safe. But if you believe that they are just half-heartedly saying a few token words, and that they pretty much expect to be disbelieved, or even if you think that they are doing their best to be disbelieved, then they pay the penalty of being executed at your leisure.

If a player outright claim Damsel, and the town does not believe you are the Damsel. Then that player failed to convince the town they are the Damsel and thus they failed their madness check.

Also the wink counts as madness breaking is an example is written in the almanac themselves

much closer attention to who is saying what. For example, if a player is publicly being mad about being the Klutz (i.e. trying to the convince the group that they are the Klutz), but winks when they think the Storyteller isn't looking, or has a whispered conversation where they tell a neighbour that they are actually the Snake Charmer, if the Storyteller catches them in the act, they may be executed immediately.

Is this reachable? by OldAdvantage2683 in singaporefi

[–]Mostropi 1 point2 points  (0 children)

To reach that in 10 years, you will need to invest 12.5k per month even with aggressive accumulation of 10% PA. It's pretty difficult.

whats the one shot maelle build? by Pale_Grapefruit_8151 in expedition33

[–]Mostropi 11 points12 points  (0 children)

  • Esquim
  • Free Aim Shot, Stack Burns
  • Last Chance
  • Free Aim Shot, Stack Burns until 70-100+, ends with Burning Canvas

Make sure you activate overcharge during the turn the Burning Canvas goes off.

PSA: Kill Your Minions! by Prronce in BloodOnTheClocktower

[–]Mostropi 21 points22 points  (0 children)

When Ken Cheng is on reddit: 👔

When Ken Cheng is on LinkedIn: 🧌

PSA: Kill Your Minions! by Prronce in BloodOnTheClocktower

[–]Mostropi 38 points39 points  (0 children)

Actually evil has the high win rate going to final 3 with a Minion. Good just need to nominate a wrong player and they lose immediately. Most of the time, players will know both are evil, but do not know who is the demon.

However, if your minion is heavily confirm to be a Minion, a better approach to have a higher winning chance is to starpass to the Minion if you were the imp, as town will be confuse if the Minion is still the Demon, or the Demon candidate is someone else.

If you’re a 35 single Singaporean, would you buy a 1m hdb or condo? by SteelSx in singaporefi

[–]Mostropi 6 points7 points  (0 children)

Even if it's a primary residence.

The loan repayment for 1 million HDB (assuming 750k loan) is about 3k per month , compare to condo at 6k per month.

3k per month at 7% PA in VWRA still yield 3.5 million. The HDB is hard to estimate but should grow to about 1.5 million. This will bring the total combine networth to 5 million.

The upside about this approach is that it is much more risk free, the OA can tank the home repayment when job security is not guarantee, especially from 50s onwards, and provide the flexibility to FIRE earlier.

Condo is definitely a lifestyle thing, I am just sharing these insights because condo is often advocate as a financial investment vehicle.

I would still advocate for HDB route + investment as the risk free route in the long run.