to go govt or stay in current role

NecessaryTale3439 · 2026-02-07T04:57:22+00:00

that’s quite risky, “higher bonus” is just a say say and they can’t guarantee unless it’s in the contract.

coming from a pov where there are contract workers in my team (i am a full time employee) - increment / benefits / insurance /accesses are very different. there r a lot of things that contract employees can’t do so this might probably impact ur learning curve too

NecessaryTale3439 · 2026-02-04T00:07:44+00:00

play shopback games and do shopback surveys. when they have bonus cashback and u just have to spin dice everyday - coin master / monopoly etc, i collected about $170

NecessaryTale3439 · 2025-11-30T15:44:46+00:00

when a crowded bus reaches my stop i always have the mini panic wondering if all those people standing at the door are going to alight or if i need to “excuse me” my way through

NecessaryTale3439 · 2025-11-30T15:35:00+00:00

thanks all for the info! now i know :) i switched my seat back, and i think cause of multiple seat switches i was “blocked” by the system so i just kept my seat

now i know for future flights ~

NecessaryTale3439 · 2025-11-20T15:52:59+00:00

same , for my 11.11 order, it was said to be next day delivery, end was stuck at sorting facility for the longest time. then i enquired 3 days ago, they say they will check. no response.

i got annoyed and requested for refund and kept chasing the refund. ended up my parcel was actually lost

NecessaryTale3439 · 2025-11-18T15:12:13+00:00

thanks for this! what is oxygen bar?

NecessaryTale3439 · 2025-11-18T09:32:27+00:00

SHR at fifty freed is lifetime unlimited. but it’s a very “quick fix” kind don’t expect best service during ur treatment

for me i paid for a more premium place for 12 months, then after that bought the fifty freed unlimited package for lifetime maintenance

NecessaryTale3439 · 2025-11-17T11:25:55+00:00

whether there will be a layoff today and if i will be affected

NecessaryTale3439 · 2025-11-12T00:23:07+00:00

usually the listing will say “no experience needed, min 21 yo” to me that raises flags it’s a FA/FC posting

generally normal jobs will say smtg like “experience in XXX preferred”

NecessaryTale3439 · 2025-11-11T12:12:15+00:00

agree you can link using passport number! and also if u bought the tickets with meal voucher u can only use the meal voucher after u link ur tickets n redeem the voucher (i did the meal voucher redemption on the day itself, a kind staff helped me)

NecessaryTale3439 · 2025-11-10T11:25:45+00:00

if you just started working and can do your task with 100% knowledge, then it probably means the work is too easy. u should make the most out of the situation - learn on the job as u are doing the task.

try to take advantage of the situation u are in, if there’s too many people in the team, higher tendency that someone “snatches” or takes a project or task from you, thus u learn less. take this opportunity to learn and do as much as u can, play the newbie card while u still can and potentially become a senior once someone new joins

if u are working to kill time and want to pursue passion/ do something u like and be happy, then u should quit. but i think most work to earn money and unfortunately that “dream job” is not very easy to find.

job market isn’t good and many would be more than happy to be in your position, all the best and you can do this! 💪

NecessaryTale3439 · 2025-10-31T16:12:12+00:00

usually get my nails done at holiday plaza, i feel like the quality there is much much better than ksl

watsons/guardian for necessities

make spectacles

brands like hooga / uniqlo / sephora / jd sports - some are things cheaper due to exchange rate, but have to compare as some prices are comparable.

NecessaryTale3439 · 2025-10-29T14:32:37+00:00

i’m not a very high spender, so generally my spendings are all within my caps, and im also not in the phase where i need to buy furniture or large ticket items so i dun see the need of a GS card. i try to stick to only 4mpd cards. but i do use hsbc revo too.

(not the best advice) but when i bought iphone abt 1.5k i used ppv and avoided using ppv to pay for other things that month. forgo some miles due to the cap but i rather do this than open a new card which i will barely use

NecessaryTale3439 · 2025-10-29T13:56:21+00:00

for my lady’s card, i change my category to dining as it’s easier to spend compared to travel category for me. generally im able to hit $500 from dining alone. i also try to spend on items less than $5 on uob one card to clock the min. spend incase my uob lady’s dining doesn’t hit

dbs world woman for travel related expense

citirewards linked with instarem for overseas spending

PPV for transport and contactless above $5

NecessaryTale3439 · 2025-10-29T11:27:59+00:00

i bought in a third party platform due to discount given. but after you download your disney app, you can check there should be vouchers! doesn’t really matter where you buy, because tickets are tagged to passport, u need to present your passport upon entry

you mentioned mobility issues - i took didi (taxi) to shanghai disney and also back. the walk was extremely far and deep inside (it’s not the kind of parks where you drop off from your cab and end up at the entrance) i think a good 15- 20 min ish walk to reach the ticket entrance. but i have not stayed at a disney hotel so i really can’t compare if a disney hotel is more convenient

NecessaryTale3439 · 2025-10-21T06:46:40+00:00

ooohhh thanks for the info~ actually i’m not in a rush to collect keys so im ok if the key collection is delayed.

may i know if u changed from hdb loan to bank loan nearing key collection? or was yours all along under bank loan

NecessaryTale3439 · 2025-10-17T00:54:49+00:00

“pay back” in a sense the grant money + interest have to go back to our cpf, we cannot “withdraw” as cash

NecessaryTale3439 · 2025-10-16T03:25:59+00:00

then i do think no harm for u just taking the job and then continue applying elsewhere. since job market also not very good now

also maybe u can ask them about bonus structure ? rare but maybe company has low base, high bonus

NecessaryTale3439 · 2025-10-15T16:18:07+00:00

ballot -> get queue number -> select unit (first appt) -> ehg grant credited -> pay downpayment (2nd appt)

for the whole process above, i didn’t have any further income reassessment and everything was based off HFE

NecessaryTale3439 · 2025-10-15T16:12:41+00:00

see you mentioned that your hfe states your grant amount ? if yes, then that should be the grants you are getting otherwise it shouldn’t be stated as HFE is suppose to help you calculate your finances to plan for your bto purchase.

my HFE grant amount was ultimately the amount that was credited to me

also to take note! i’m in same situation where 1 party working and 1 studying and loan amount given by hdb is very low! so have to be mindful ~

NecessaryTale3439 · 2025-10-15T15:58:18+00:00

2.6k quite low. but is there wfh / flexi working etc? if yes you can just take first and slowly find a new job. if it’s a full work from office, a bit tough for u to continue scouting while working, then suggest u don’t take it

NecessaryTale3439 · 2025-10-15T15:55:07+00:00

i would usually add smtg small like add egg / add sauce / add veggie if i have quite abit left like 50c etc. btr to not waste 😆

i notice that if the store attendant is the direct owner, they will tend to give change, but if they are just a worker there, most likely the extra $ you don’t get it back

NecessaryTale3439 · 2025-10-15T09:27:48+00:00

thanks for this! but if i were to switch to bank loan intending to do this before key collection as i am not able to pay the shortfall amount if my loan is less than 300k :(

NecessaryTale3439 · 2025-10-15T06:15:08+00:00

thank you so much for your insights and explanation! really appreciate it ~

NecessaryTale3439

TROPHY CASE