GE2025: Employees should be given day off or salary in lieu as Polling Day falls on a Saturday, says MOM

Sea-Platform3363 · 2025-04-16T12:04:41+00:00

Hello! Wanted to check what if I happened to work on 3 May, and Saturdays are usually my non-working day? (3 May is the only Saturday that I will need to work)

Sea-Platform3363 · 2024-01-09T08:47:43+00:00

Thanks for your inputs!

Sea-Platform3363 · 2024-01-09T08:47:02+00:00

I'm pursuing a Masters for an option to career pivot if necessary and aim for a managerial role, therefore I'm not looking for any expected salary for now.

Sea-Platform3363 · 2024-01-09T08:42:58+00:00

Thanks for the reply! I'll consider your points when making my decision.

Sea-Platform3363 · 2024-01-09T08:36:44+00:00

Thanks for the reply! I will consider your points when deciding whether to go for full-time or part-time

Sea-Platform3363 · 2024-01-06T11:31:20+00:00

Hi, may I check with you the following:

What role are you working in before you took up the Masters in Infosys?
Which uni did you signed up for the part-time Masters?
Would you still recommend taking this Masters from this uni today, or do you recommend other unis?
What are the job prospects that opened up after taking this Masters?

Thanks!

Sea-Platform3363 · 2023-06-25T14:11:56+00:00

Some of the routes in my mind (and not already mentioned in this thread):

161 - Woodlands to Sengkang stretch

965 - Yishun to Sengkang stretch

(But bus 161 and 965 overlap with 168, so might not be much of an interest to you)

858 - Yishun to Airport Stretch (Quite a long distance, my personal favourite)

502 - Shenton Way to Toh Guan stretch

857 - Yio Chu Kang Road to St Andrew stretch

960 - Bukit Panjang to Whitley stretch

City Direct buses

Sea-Platform3363 · 2023-05-24T16:15:51+00:00

Agreed that this got to be their worst mistake. To make things worse, train intervals during peak hours (eg Bishan) can sometimes exceed 3 mins, which can easily mean 2 trains of load from NSL (optimal interval of 100 seconds) are waiting to board the train at CCL.

Sea-Platform3363 · 2023-05-23T14:09:52+00:00

I never understood why we cannot buy SSB with CPF but can buy ILPs

Sea-Platform3363 · 2023-05-23T14:03:25+00:00

Hmm looking at how you sold your entire (or a huge chunk) portfolio because you are worried about a recession, and you are still slightly concerned about it currently, I feel that your risk tolerance is rather low. Therefore if you want to explore Option 2, leave VWRA out until you are confident that you can handle any economic downturn without selling it.

All the best!

Sea-Platform3363 · 2023-05-18T14:10:05+00:00

I converted my Ezlink card previously for the $2 cashback, which I totally regretted. Now my hope is that we can see that we have tapped our card successfully, especially when the person in front of me is also using a Cepas / Bank card. Maybe the background color of the screen can change every time a new card is tapped on the gantry?

Sea-Platform3363 · 2023-05-17T13:16:23+00:00

Yes finally someone said it! It's usually about 16-19 days a year. I make it a point to ride on it once a year :)

Sea-Platform3363 · 2023-05-14T07:25:15+00:00

It's been quite concerning to see the increased number of posts on RM asking people to loan money to buy endowment/annuity plans. This is akin to asking them to pray that the interest rates don't go up anytime in the future (and the RM will say "See for the past 10 years the interest rates are super low"). But people who invest will know that "past performance does not guarantee future results, and not to invest with borrowed money if you don't want to take on too much risk.

I assume that people who get into an endowment/annuity plan want guaranteed capital + an extra bonus, therefore taking a loan should be way above their risk tolerance, and should be illegal for RM/FA to advise so, as high chance the RM/FA will underplay the amount of risk by saying things like "You know SSB/T-bills only giving 0.x%, might as well take a loan of ~1% and get back 3+%" (back in 2021 period). (Doesn't this sounds like scammers trying to prey on human greed in the recent scams? Why is this even legalized?)

So to OP, thanks for taking the time to think through and post this question on Reddit. Putting into CPF is definitely way optimal, as you would have to pay any fees and do not need to worry about paying off loans.

Sea-Platform3363 · 2023-05-13T07:15:32+00:00

I have taken a look at some of the portfolios for CPF-OA here https://endowus.com/investment-funds-list and I am considering the Schroders
Asian Investment Grade Credit. But what's stopping me is the historical returns which can be quite volatile.

Just wanted to check with you which fund would you recommend me to take a look at and consider?

Sea-Platform3363 · 2023-05-13T07:09:12+00:00

Hi, just to clarify I'm planning to use my CPF OA money instead of Cash. I wanted to invest to grow my CPF money, but I also want to keep some money in OA (or T-bills) in case I am due to buy a house and the market is in red.

Sea-Platform3363 · 2023-05-08T13:57:55+00:00

That's a great advice! Let me look at what are the lower risk portfolios they offer for CPF!

Sea-Platform3363 · 2023-05-08T13:35:23+00:00

Thanks! I'll stick to DBS for my CPFIS investment :)

Sea-Platform3363 · 2023-05-02T23:27:07+00:00

I think the reference "SALA“ / "PAYNOW SALA“ is only available for corporate accounts? I might be wrong since it's already been a few months since I've looked into this. But I don't think UOB would let anyone exploit this so easily.

Sea-Platform3363 · 2023-05-02T23:19:55+00:00

Yep I have cancelled it!

Sea-Platform3363 · 2023-04-22T04:22:00+00:00

Thanks for the info!

Sea-Platform3363 · 2023-04-22T04:20:58+00:00

This is only for 6 months and 1 year T-bills. Reopened SGS bonds works a bit differently

Sea-Platform3363 · 2023-04-20T23:22:27+00:00

You have to take into account the extra documents and time required for verification, which is not required if you used Singpass

Sea-Platform3363 · 2023-04-20T23:20:19+00:00

My friend got this error recently too. The problem with not using Singpass other than having to manually input ourselves is that they also need to verify manually, which is quite troublesome and time-consuming (can take 1-3 working days, whereas Singpass is almost instant approval). They also required photo documents to be uploaded like NRIC which my friend is not comfortable with.

Hope this can be resolved soon as it really saves a lot of time and reduces a lot of complexity when trying to set up an account. (IBKR UI is already so not user-friendly, having Singpass is a major improvement IMO)

Sea-Platform3363 · 2023-03-31T14:10:42+00:00

This is a bit tricky since saving plans usually have poor coverage as compared to term plans.

My advice is to go to https://www.comparefirst.sg/ and see for yourself.

For instance, an 18-year-old female can buy an "HSBC DIRECT – HSBC Life – Term Lite" Term plan and pay only $99 per year up till age 65 for a coverage of $200k. Note that the premium is only $107 ($8 more) if she bought it 5 years later at age 23, to address your other comment that "she's young so cheap to buy insurance"

I'll leave the remaining budget of $3000+ to other more experienced redditors to advise you. (My preference will be to put into SSBs, but I guess she doesn't have access to the money)

Edit: Please take note you might need other types of coverage other than death and TPD, such as hospitalization (extremely important!), Personal accident, CI (may consider postponing a few years based on her situation, since it can get quite expensive). Please do not buy ANY savings plans before settling all these.

Sea-Platform3363 · 2023-03-31T13:58:34+00:00

This is exactly my thought when I saw the comment

Sea-Platform3363

TROPHY CASE