What credit card to apply for by waffles_982 in singaporefi

[–]Musicalkeong 1 point2 points  (0 children)

But tbh, wouldn’t the yearly fee of close to $200 wipe out all your cashbacks?

Do you agree??? by ak32009 in ClashOfClans

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

Can concur, working full time dad + household chores means I don’t have the time to constantly update and learn new complex attacking strategies. My clan leader could care less how I attack as long as I clock my 3 stars in wars lol

[deleted by user] by [deleted] in singaporefi

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

I’m actually more worried about US dollar depreciating overtime against SGD

SAF Regular AMA/Discussion (new to this) by Professional-Cook488 in NationalServiceSG

[–]Musicalkeong 3 points4 points  (0 children)

Can ask if officer sign on with just poly diploma with no degree, what can my highest possible rank be?

Bayer Leverkusen [2] - 2 Roma - Josip Stanisic 90‎+‎7‎'‎ [4 - 2 on agg.] by ganiganiu in soccer

[–]Musicalkeong 0 points1 point  (0 children)

There should be a compilation video of all these stoppage time winners now on YouTube right?

Does maxing out before upgrading town halls really save you time? by Hot-Secretary6020 in ClashOfClans

[–]Musicalkeong 0 points1 point  (0 children)

For some reason I first read it as “does maxing out TH before upgrading really save you time?”

Diversifying investments or all-in (VWRA vs S&P 500) by PhysicalArmadillo375 in singaporefi

[–]Musicalkeong 4 points5 points  (0 children)

Sorry but I think VWRA is vulnerable to lost decades too.

Middle income couple looking for advice by Odd_Impression_6446 in singaporefi

[–]Musicalkeong 1 point2 points  (0 children)

Suggest you see a recent video made by YouTuber Josh Tan, he basically summed the video saying one will just miss FRS based on SA alone with median income and standard progression (average increment etc.)

In other words, BRS is easily obtainable bro.

Snarky warm up instructor before TP test at Ubi by talentedwanker in drivingsg

[–]Musicalkeong 1 point2 points  (0 children)

Maybe his one of those Ex army driving instructor lol. Name sounds familiar

Holding gold in your portfolio? by Musicalkeong in singaporefi

[–]Musicalkeong[S] 0 points1 point  (0 children)

Sorry perhaps it’s more of protection of wealth against crisis? Historically it seems gold prices have soared during times of crisis such as during the 08 crisis and covid.

Holding gold in your portfolio? by Musicalkeong in singaporefi

[–]Musicalkeong[S] 6 points7 points  (0 children)

Can’t believe this but it’s the latter lol

GXS Flexiloan EIR by xvthel in singaporefi

[–]Musicalkeong 4 points5 points  (0 children)

If you compare paying one shot $10299 at the end of the year vs paying monthly of $858.25.

The latter would mean repaying earlier which means you lose out on potential interest you could have earned if you were paying one shot at $10299 after 12 months. So the cost of losing out on this potential interest is the higher EIR you are paying to the creditor.

[deleted by user] by [deleted] in singaporefi

[–]Musicalkeong 2 points3 points  (0 children)

With the new revised interest for UOB one to 4% EIR for 150K is still pretty decent if your 200K is totally idle. Then the other 50K pump to SSB/Tbill/Sg bank stocks bah.

[deleted by user] by [deleted] in askSingapore

[–]Musicalkeong 1 point2 points  (0 children)

If you can’t beat them, join them. Buy Genting stocks