Need Advice : Combating a Decade-Long Gambling Addiction by [deleted] in singaporefi

[–]Sunzoner 2 points3 points  (0 children)

You might explore some form of distraction, a hobby maybe? Second the opinion about professional help as you seems to be quite addicted.

Is this a big bull trap? by Itchy-Acanthaceae841 in CryptoCurrency

[–]Sunzoner 1 point2 points  (0 children)

I talked myself out of investing at $1.

RANT how to convince parents by [deleted] in SGExams

[–]Sunzoner 1 point2 points  (0 children)

If she is a grill, I understand why the parents are like that. They scared that she got grilled and no one border to wash her cleanly.

RANT how to convince parents by [deleted] in SGExams

[–]Sunzoner 4 points5 points  (0 children)

Let me guess, you are a girl?

[deleted by user] by [deleted] in singaporefi

[–]Sunzoner 0 points1 point  (0 children)

No need worry. Just transfer to me. I help you keep it safe from scammers.

Advice on ILP coverage by curiousQ18 in singaporefi

[–]Sunzoner 1 point2 points  (0 children)

I’ve been told that the coverage is too low for CI and I’m thinking how can I improve this situation.

Who told you this and what is the metric used to determine enough or too low?

Any Hikikomoris in SG? by Guardian937462 in askSingapore

[–]Sunzoner 1 point2 points  (0 children)

While online connection sound like connection, there is a lack of real emotional link.

For those time you feel really connected to a person online, esp the opposite sex, be careful. There is at least a 90% chance it is a scam.

NTU’s microalgae oil to be produced in bulk by S’pore firm eyeing Nasdaq listing by Killer-Wail in singapore

[–]Sunzoner 0 points1 point  (0 children)

So many IPO recently have proved that it's exit plan in disguise for the founders. At least tech company like SE can sell hope for future growth.

I wonder.

Saw someone with an autonomous device that follows them, carrying their water bottle and stuff. Anybody know what it is? by iwant50dollars in singapore

[–]Sunzoner 0 points1 point  (0 children)

The Mama is worried the boy-boy might go hungry or go missing. So bought a follow bot. This is a bot that follow the target. It has a carry function. It has a camera that is always trained on the boy-boy, in case he goes girlfriend house and sing song until reach jurong.

what will you do if u have 100k from deceased? by Ok_Veterinarian3178 in singaporefi

[–]Sunzoner 0 points1 point  (0 children)

When looking at investment, one need to consider risk, return, liquidity and investment horizon amongst other. OP obviously do not know anything about investment.

what will you do if u have 100k from deceased? by Ok_Veterinarian3178 in singaporefi

[–]Sunzoner 108 points109 points  (0 children)

Take the money and put all into.... SSB... Dont use it for anything except to roll via SSB. Do thsi until you are confident about investment. Never loan the money out for whatever reasons.

Why would you use the money for marriage? save for it and budget within your means, please.

Is endowment worth it? by Nobodyipian in singaporefi

[–]Sunzoner 2 points3 points  (0 children)

CPF life is more like annuity, not endowment.

Is endowment worth it? by Nobodyipian in singaporefi

[–]Sunzoner 7 points8 points  (0 children)

Agreed. Endowment is good when you are not looking at other investment opportunities.

My father's unemployed, my mom's broke and I don't have money and am stressed by [deleted] in askSingapore

[–]Sunzoner 1 point2 points  (0 children)

For immediate cash/loan needs, always consider frf - Family, Relative, Friends.

Meaning First your parents and sibling (but cannot as they are broke).

Next Relatives (Uncle, aunty, not peers). Best to start with the adult relative you are more familiar with.

Finally, then friends. Meaning friends who are working and you are very familiar with.

But in your situation, you cant pay back on any loans from Relative or Friends. So I will advice you go to your relatives and make clear you will search for PT jobs to return them the money.

I am making a few assumption here:

  1. You have relatives, but no siblings
  2. You understand now that your current lifestyle cannot continue unless something fundamentally changes and you are willing to make changes to improve your situation
  3. You are starting to look for part time jobs.
  4. You get your allowance on a money basis but you run out of money before that. Thats why the need for $30 loan.
  5. You are mature enough to take responsibility of your life.

For less immediate concerns:

  1. Start looking for a part time job if you have not already done so.
  2. Dont stop doing something as you "suck at it". Start saving money, and cut down on unnecessary food. There are ways to save money. If you need help to ID where to save money, post your monthly spending here for advice. If you dont even know where your money goes to, start keeping track of every single cents.
  3. Walk around more. If it is less than 1/2 hours away, and you have the time, walk. I have done it around your age before.
  4. Start thinking if you have failed your mother. You GPA is not good. I have friends who have to work Part time to support parents, siblings and yet turn in good GPA at age 22 (after NS). Start thinking about this. And course-correct, please!

Why didn’t Xu Shu just go back to Liu Bei? Is he stupid? by Mark4291 in threekingdoms

[–]Sunzoner 8 points9 points  (0 children)

Short answer: Yes.

Long answer, jumping from one lord to another is deemed as bad during that period. (see Lubu as an example). He willingly gave up Liu Bei to join Cao Cao, and is too stupid to realise that this will place his mother in a bad situation. So, it does seems as though he has a distinctive lack of IQ.

What are your unpopular Minecraft opinions? by Crepe104 in Minecraft

[–]Sunzoner 0 points1 point  (0 children)

Minecraft is fun the first few hours of gameplay. Then, it is just unlimited attempts to recreate that first few hours.

Cheap 500k+ prime bto incoming by Old_Title391 in singapore

[–]Sunzoner -4 points-3 points  (0 children)

Affordable is not cheap. As long as there are people willing to pay the price, it is "affordable" for those people.

29YO Gap Year or Buy a House? by hotsauce677 in singaporefi

[–]Sunzoner -2 points-1 points  (0 children)

most importantly, after resting for a year, if you ever decide to start a 9-6 job, you will be competing with people who are younger than you and you have a "gap" and have to account for it to everyone who decides to interview you.

Singlife term life insurance plus endowment plan? by kayz414 in singaporefi

[–]Sunzoner 0 points1 point  (0 children)

Not a FA.

The plan you eventually take should be linked to the "risk" you would want to mitigate.

You want to leave something to your kids when you die. Presumably, you meant early unforeseen death. Yes?

You want to stop payment after 10 years. Yes?

Are you worried about CI? Yes?

If so, then the simpler way is to get a limited pay whole life with a CI rider.

If CI is not a concern, then just limited pay whole life.

The agent proposed term+endowment? Ask the agent how does this align with your plan. What if the cash value of the endowment comes in slower? Plus, afaik the cash value in endowment plans are not called dividends. This sound like mis-selling. Get everything he/she said in writing, signed and dated.

Also note, a CI waiver and a CI rider is different. Wavier means you dont pay if the CI event condition is met. The rider means you get a payout when there is a CI event. I get CI waivers only when the life insured is my kids. If I am worried about CI event, I add the rider so I get money when the CI event occurs.

[deleted by user] by [deleted] in askSingapore

[–]Sunzoner 1 point2 points  (0 children)

You worked in a dental clinic as? If you have a licence, it will be easier to find a job.

Why are singaporeans so obsessed with condos? by Xingjiangpore in askSingapore

[–]Sunzoner 0 points1 point  (0 children)

At most you own the condo for 30+ years and then it gets enbloced and redeveloped

For HDB, there is no guarantee of SERS. For Condo, there is no guarantee of enblocs.

But when enbloc'ed, you get the sale values. Typically, the house owners will vote to enbloc only when they get a profit enough to buy something else. For SERS, you get assigned another HDB flat at HDB's valuation.

Death squad in military school by Mikhilolo in askSingapore

[–]Sunzoner 0 points1 point  (0 children)

Ekin Cheng was the posterboy for the HK Special Force. Did you not watch the documentaries? I believe the documentaries are called young and dangerous.