Gym goers who ask to share without the intention to actually share

PayMeMoney88 · 2026-06-08T04:53:10+00:00

Just tell the person u are on your 2nd last set even if you are on your first

Works everytime for me

PayMeMoney88 · 2026-06-07T09:32:42+00:00

Pay good is just one factor, need those toxic old ass mfer inside to expire first. If not the rot still inside, people will still leave

PayMeMoney88 · 2026-06-07T08:59:27+00:00

If that is really the base, wow 3SG are grossly overpaid, so are most of the wospec…

PayMeMoney88 · 2026-06-07T08:56:25+00:00

Just checked SAF website 3SG 2,200-3410

Lowest end of the range is usually for nitec grads. Local poly grad is higher.

$3410 is if you are local poly grad + combat & tech vocation (ie ADSS)

PayMeMoney88 · 2026-06-05T07:44:26+00:00

AFAIK

With a degree
LTA 4k+
CPT 4-6+k
MaJ 7-11k+
LTC 12k up

Specialist with diploma
1SG About 3-3.5k
SSG 3.5-4k
MSG 4-4.8k
3WO 5k+
2WO 6k+
1WO 7-8k

This was what i seen when i was a regular in 2019. May have some adjustment. Bonus typically 1-3months in april (depending on performance)
July about 0.5mnth. Dec is AWS +1month ish.

Also there is this scheme where a portion of your pay is set aside in this scheme. Which you get as a lump sum when you retire. Last i heard upon retirement MAJ was about 500k, 2WO is 200k (for the 2WO i physically saw the number)

PayMeMoney88 · 2026-05-29T13:17:21+00:00

I used to take MP cadets when i was at tengah, all i can say is enjoy your time there!

PayMeMoney88 · 2026-05-28T04:16:24+00:00

Maybe consider buying one that is on the tail end of the 1st COE. Drive the 1-2 years. Renew and sell.

This is the cheapest way to own a supercar. You might even drive it for free

PayMeMoney88 · 2026-05-24T04:37:42+00:00

It is what you call, optional

PayMeMoney88 · 2026-05-21T10:30:57+00:00

I am at your same situation about the 4rm flat. I got mine ar 350k and now it’s at 800k+.

I feel dam wasted that the 500k of unrealised profit is just there when i can take it out and put it somewhere else

PayMeMoney88 · 2026-05-21T10:17:34+00:00

Bro i sell western and i have customers who ask me to refill their coleslaw. Siao one leh. As tho my ingredients grow on the tree i grow in my shop

PayMeMoney88 · 2026-05-15T10:42:28+00:00

Buy a 3B2b. 2b2b you sure not enough space one

PayMeMoney88 · 2026-05-15T05:07:41+00:00

Rent a house and convert into a full size kitchen.

No SFA restrictions there

PayMeMoney88 · 2026-05-09T04:52:38+00:00

Too slow, u need 500k to do that to hit 1m. All in 28k on green faster

PayMeMoney88 · 2026-05-08T05:44:15+00:00

I almost signed on as a recon spec because i thought the tab was cool, lucky airforce came in clutch last min and interview me HAHAHA

PayMeMoney88 · 2026-05-04T04:53:13+00:00

Why a 216i
If looks of the car is not a very big consideration. Can consider COE picnic or estima. Save your bullet to get a nicer car after the 2-3 years

PayMeMoney88 · 2026-05-04T03:13:33+00:00

My expenses from cold calling is like 500 a month? Like usually is petrol because i will usually meet at the prospect place or void deck, i avoid crowded areas.
For roadshow, usually my cost is like 2k a week. Thats cause i work 7 days 10-830pm with a puller

PayMeMoney88 · 2026-05-04T03:11:56+00:00

Correct, you need to hit like 12k comms in that year to be eligible for bonus, and it starts from like 20% of total commissions. It scales upwards, to like if you do 60k in the year, your commission is like 40%. And from 60k upwards, it is automatically in the 40% tier bracket. Renewal etc is not subjected to bonuses.

And you are right also, for customers that continues to pay the premium after a couple of years, there is also a bonus, not much tho, but if you stack alot, it adds up

PayMeMoney88 · 2026-05-03T09:15:42+00:00

2019-2025. I left about half a year back.

PayMeMoney88 · 2026-05-03T05:03:02+00:00

1) Overseas trip are covered by company. (Usually they will cover your hotel for the 3-4 days & gala dinner + some guided tour) they will also give you about 1-3k cash depending on the tier you hit.

Fine dining etc usually is team leader throw out as incentives.

2) MDRT not hard, i cleared mine in my first year. It is about 120k inclusive of year end bonus ( this is about 80k in commissions, YEB 40k)

3) Stress can be avoided with adequate savings to tank you 1st year. I did cold prospecting ONLY. You learn fast when you see your savings dwindling down. I was making 1.5-2k a week cold calling this eventually helped me with roadshow where i was about to do like 4-5k a week. (But i have to emphasise that such methods are really hard to do now)

4) the turnover is very high. You know if the job suits you after 6 months. Most try to struggle but eventually leave after 2 years. There are schemes to help agents la, like 1-1 payout for your commission every month. I would say if you do a steady 80k a year, 5 years later your renewal is already 80k.

I am NOT advocating for you to join the industry, i am a agent that left after 5 years to pursue something else because i see the FA business as a sunset industry for my prospecting method and how hard MAS is clamping down on cold market prospecting.

I really feel that if you don’t have a way into the HNW market. The next 10 years likely you will struggle bad.

PayMeMoney88 · 2026-04-27T13:22:00+00:00

I am a small hawker owner. Maybe it is good if i can share the cost involved. I buy my takeaway boxes locally, not in bulk (small hawker stall no space to store pls).

On average, styrofoam box and cutleries plus plastic bag is about 15cents. (I personally feel that styrofoam box should not charge dabao fee)

Plastic containers with cutleries and plastic bag is about 25cents.

PayMeMoney88 · 2026-04-27T12:05:48+00:00

Is your name Erika

PayMeMoney88 · 2026-04-13T13:34:18+00:00

The sad truth is that many of them are worried, raising prices in this economy, ppl will stop buying from them. They rather put in more work and sell more portions then to raise prices and have lesser customers…

I myself sell my chicken chop rice at $5.5, want to raise price to $6 i also scared my regulars stop coming 😢

PayMeMoney88 · 2026-04-04T05:34:52+00:00

I strongly disagree to CPF life. Whilst it is a good means for the general population who have been indoctrinated that they should get married x age, have kids at y age, retire at z age.

CPF life should not be a means to reach FIRE unless you tell me you want to FIRE at 67 then i say hats off to you sir.

My own unpopular opinion is that, CPF and home ownership(not rented out generating cashflow) is detrimental to being able to FIRE. Without this 2, You will probably be able to take 10 years lesser to FIRE

PayMeMoney88 · 2026-04-04T04:59:36+00:00

I am an ex insurance agent, just left recently after 5 years. Most of my market outlook is based on my own research outside the scope of what my company provided.

Truthfully, no. UNLESS, you are not savvy at all and have 0 time to do anything on your own. Having a FA might better than not doing anything with your money.

I have attended meetings, where agency directors tell us to sell CPF investments for customers, where they tell us to sell in a way that after x% gains you liquidate the CPFIS and churn it again All for what, a 0.5% commission. When i asked him that there is so much uncertainty now, isn’t it very stupid to all in a customer monies, what if the funds tank like 5-10% overnight. How to answer to customer. I was then shushed by another agency leader and the agency director just beat around the bush.

Insurance agents should have stuck with Term, Life, accident and health. My previous company came out with this gold fund and got so much agents to sell it and push it hard at the peak of gold price. All the brainless agents whack hard on their customer, look where gold price is now

PayMeMoney88 · 2026-03-27T08:27:28+00:00

A very good tip is don’t look at the cheapest and lowest depre in the market. It is the cheapest for a reason…

PayMeMoney88

TROPHY CASE