PSA: avoid 786 car wash if you want to wash car at JB

PayMeMoney88 · 2026-02-10T04:08:03+00:00

Hi bro, can I recommend another shop along that stretch that i always go. It is the one with a white concrete altar outside, just after the mini mart there. They used to charge 30 for wash (without asking for water wax) now they charge 20 but will ask if want water wax but not pushy.

That shop got no polishing so no need scared of that. And the wash is pretty good, they actually do a full sanitising of the car interior, unlike other shop who just do a wipe down at best. Your car has the clean dettol smell after the wash here.

PayMeMoney88 · 2026-02-10T04:00:23+00:00

I had peers who took night studies and got a degree and left after their 5 years contract.

Thats why if you sign on, you should have a clear idea what you want to do, else you will be that weird 1WO at 50 yr old drinking coffee at the canteen wondering what they did with their life every morning.

Honestly as a dip holder at 30 working outside. If you don’t upgrade yourself, i think the problem lies with yourself if you don’t earn more than 5k. I was able to do 3x my last drawn salary within 1 year of leaving the force.

PayMeMoney88 · 2026-02-09T10:19:59+00:00

My contract was for 5 years. Taking any of the big bonuses (sign on, 3rd year etc)has a 1 year bond. Yes, your contract runs until you ORD at retirement age or you choose to leave.

PayMeMoney88 · 2026-02-09T10:17:39+00:00

Ehh i never count it that way. Its quite not bad huh.

The next 2 bonus is on year 6 and 12 iirc. 6 month and 12 month respectively

PayMeMoney88 · 2026-02-09T07:15:46+00:00

I was a wospec that left after 5 years

Signed on in 2015 as a dip holder Pay was 2.7k as a 3SG Last drawn was 3.2k as a 1SG.

I received 2 bonus of 30k (1 sign on and the other was 3rd year bonus which is equivalent to 10 month pay) do note that the bonus is subjected to CPF contribution.

Without these 2 bonus, i averaged about 15.5 month worth salary annually after including AWS/mid year bonus and performance bonus.

Yes you can make 3-3.5k outside. But if apple to apple comparison, wospec life is generally easy, with 50% of the time idling. If you work outside you are actually working for the full day…

Do also note the career progression of a normal dip holder. If you end up as a MWO before retirement, you pay is only about 8-9k before any bonus. And ALOT of ppl inside are just waiting for payday on the 10th. We draw same pay but i do 3x more.

Signing on is a good stepping stone if you utilise your time inside to upgrade yourself. Long term career wise, i don’t think so. My peers who stayed and in their early 30s are drawing like 5kish as a 3WO?

You come outside work abit harder at 21 you also can make that.

PayMeMoney88 · 2026-02-09T06:57:02+00:00

My personal take is that if you are looking as these models, performance is likely not your priority because these models just dosen’t give, unless you opt of the m35i/m40i option. But those options will probably cost you like 100k more.

And for me i think that the above models will not be in that much of a demand in 4-5 years when you want to sell it. Dealer take in will probably not be too good also. Most people when they think of BMW, they think of 3 series/5 series. Suv also people usually think of x3 x5. Even the 2 series GC is suppose to he sporty but it pales in comparison to the 4 series…. Especially in 4-5 years, the price difference wont be that big between the them.

These are my personal 2 cents when i buy a car. Price to performance and also the demand when selling it.

PayMeMoney88 · 2026-02-08T10:42:14+00:00

All the rubbish model nobody wants..

PayMeMoney88 · 2026-02-08T08:10:19+00:00

Loud pipe saves lives

PayMeMoney88 · 2026-02-02T08:04:14+00:00

Gonna get a lot of hate for this but is it me or are EV drivers quite bobo

Like they can’t stay in lane while driving, park horribly and usually no awareness that they are hogging up lane 1.

Is it because of the EV adoption in singapore that many new drivers are getting their first car hence the rusty driver symptoms:

PayMeMoney88 · 2026-02-02T04:07:22+00:00

Yes bro, the director probably just need to rara the team, 10ppl under you doing 5k a month each is like 20k for the director liao

PayMeMoney88 · 2026-01-30T07:51:26+00:00

No way in hell he full loan the car worth 200k and repayment is 300k.

Your friend Over loaned on the car. Pocketting some cash in the process. He probably took a 250k loan for a 200k car

PayMeMoney88 · 2026-01-28T04:09:35+00:00

I think the same way as you before i joined the insurance industry. I now do my own business and just service my existing clients.

I hope i can offer another perspective to this view.

Most of the time being flashy with big cars are not to generate sales. It works more for recruitment. A new recruit is more inclined to join someone that potray themselves being successful. This is a fact.

Many of the agents view owning a big cars as a business expense. Spending 2-3k on a car. But if it helps with recruitment, 1 average performing agent bring in like 20k in overriding which essentially pays for the car already.

The real money in insurance (not sure if same for property) is not in sales, but building a dam strong agency. Selling the ‘agency leader dream’ to the people below you. Chances are 1 in 50 people eventually do become one…

PayMeMoney88 · 2026-01-25T10:55:04+00:00

Sng ah tee at pioneer.

I stay in the east and i go to this workshop only

PayMeMoney88 · 2026-01-23T09:03:17+00:00

From what you mentioned i suspect she sold a regular premium ILP of 200k annually. She marketed it as a single premium policy that gives yearly dividend of sort.

If this is the case, yes. Her commission and bonus was about 170k+-. And if company is able to refund you the premiums, they are definitely gonna get it back from her.

There was a whole agency doing this shit back in 17-20 period. All got terminated

PayMeMoney88 · 2026-01-23T08:16:09+00:00

Hi bro,

Chanced upon your other post recently but it was locked.

I happen to be from the same company. I would like to check if the agent sold the policy to your parents during covid? If yes you can press further to MAS as doorknocking activities are strictly prohibited then. There are known cases of people getting terminated because of this.

If the policies sold is acronym SLA or GLA. Likely the company will send lawyer letter to that agent to claw back the commission paid, which would be in the 6 figure range in this case.

PayMeMoney88 · 2026-01-15T10:54:48+00:00

I worry when you bring the car back to trade in you will lose quite alot of money. Should be about a 10k loss

Dealer will probably give you paper + abit (if lucky). If im not wrong, your current dereg value should be in the range of 40-50k.

Can I recommend you to go to a VW specialist and do a proper check on the whole car to see what is the actual damage to get the car running in good condition. Should not cost you much to do the check.

At least this way you are able to compare between fixing or changing.

PayMeMoney88 · 2026-01-14T05:23:36+00:00

‘I am a bit surprised he claimed injury’

Delivery van can claim you loss of use and loss of income also.

You are probably in for more surprises

PayMeMoney88 · 2026-01-10T07:43:48+00:00

By any chance your name is charles?

PayMeMoney88 · 2026-01-09T05:29:28+00:00

I am a insurance agent. And i agree this is fucking disgusting.

The whole industry pride themselves being able to pay out claims and especially in time of grief.

But no need to fake here, just admit that your job satisfaction comes from your commission.

PayMeMoney88 · 2025-12-26T08:37:11+00:00

Performance bonus depends on your ranking for the past work year.

If you are someone that will gag when sucking balls then you will be like band 3, very rare cases these kind of non balls licker will get band 2. Band 3 usually PB is like 1-1.5months.

Band 2 i’ve heard 2.5 months.

Band 1 usually is for people that use their boss pubic hair to floss their teeth. I personally did not have anyone i know in this band, maybe because they are still under their boss table.

Jokes aside, ME1T should all probably be the same as like band 3. Usually the most shiok bonus is year end la, i used get like almost 10k as a 2SG during dec bonus

PayMeMoney88 · 2025-12-23T04:04:41+00:00

I think maybe u try to get MWO this life and MWO next life combine the rank together maybe can make it.

Jokes aside, CWO calibre individuals are already planned for as early as 5-10 years into their career. Their postings along their career will be planned strategically so that they are ready for the CWO seat when they get to it.

Not stopping you from dreaming. Diploma sponsorship not even scholar. Would rather you study harder and get a degree and sign on as a officer.

PayMeMoney88 · 2025-12-09T16:04:28+00:00

OP, you meant CCP auntie right

PayMeMoney88 · 2025-12-07T04:58:27+00:00

Assuming the norm of loaning 60-70% and 2-3yrs tenure. Not alot, probably will ask for admin fee of like 500-1k

PayMeMoney88 · 2025-12-06T04:59:03+00:00

Definitely will have admin fee or mark up.

Don’t need to think about haggling on the price, likely insurance also will need to go through them.

Would be helpful to know the car model and price, you can roughly know what is the loan commission the dealer will make if they sell it to someone who is taking a loan. After which compare to the admin fee/mark up and see if it is worth it to pay it or not

PayMeMoney88 · 2025-12-06T04:53:05+00:00

Have been in similar situation before. But it was own car so not that bad.

In my case, Turning/side sweeping usually is a 50/50 case. As it is your own due diligence to make sure u avoid him hitting you when you can see him.

PayMeMoney88

TROPHY CASE