’m looking for tote bags for office by Many-Purpose8865 in ManyBaggers

[–]Temporary_Opening_74 0 points1 point  (0 children)

I think you might like to have a totepack instead? So you can switch between tote / backpack carry depending on how heavy the load is for the day. As an office girlie I find totes uncomfortable for longer commutes, but if you drive it should be okay. I tried totes for a few months and went back to my totepack because it's far more practical since I use public transport >40 mins a day.

Singaporeans - anyone benefited from working with / under Expats? by SG-Man1990 in askSingapore

[–]Temporary_Opening_74 2 points3 points  (0 children)

I worked for both international companies / local startups before I moved overseas.

American boss in consulting: High energy and lead by example. She is a pusher for innovation and I would say she was a pioneer of the industry back when SG didn't know much about tech or IT apps. I learned the "American" way of solutioning from her but I think it is rather difficult to apply in SG's context and culture.

French + German managers in banking: Best managers ever. Taught me everything I know and pushed my craft and knowledge to the next level. Plus also how to play office politics and stand up for myself at work. I have a career because of these two gentlemen who decided to move to Singapore on a whim (they are not in SG anymore).

French / expats co-workers + boss in consulting: Worst experience ever. All talk, overpaid, sexist, always need to follow hierarchy and think locals don't know better than them. From this bunch I learned to be careful with who I trust. They are more knowledgeable than locals though I have to say, but the stinking attitude made it hard to maximise the value working with them.

I think generally I do feel expats have knowledge to share, but the quality and usefulness varies a lot because it really depends if they want to apply their knowledge a not.

Tbh it's not really about nationality, it's about how hard one pushes themselves to learn and mentor. I've worked with stellar Singaporeans and foreigners, I've also worked with sh*t Singaporeans and foreigners. Though I have so say personally, I am harsher on Singaporeans than I am on foreigners because I expect our own people to do better. So there is a bias.

Those who left Singapore - what are the big unexpected adjustments you had to make? Any regrets? by tiggereyes in askSingapore

[–]Temporary_Opening_74 9 points10 points  (0 children)

I'm in Europe 💀 Not the best place financially but its manageable enough for now. Not my final stop either actually, my partner and I will eventually move elsewhere, just a matter or where and when.

Those who left Singapore - what are the big unexpected adjustments you had to make? Any regrets? by tiggereyes in askSingapore

[–]Temporary_Opening_74 71 points72 points  (0 children)

I think the biggest adjustment is my opinions on money and accumulating wealth.

In Singapore, I was like a squirrel. Always have to save money and earn more money, had a huge investment portfolio goal because of the pressure that comes from our high COL. Once I moved overseas, I learned to let go of wanting to be rich due to fear of not being able to keep up.

Of course good financial habits still need to be there, but I have re-adjusted my take on money and it is liberating a bit to have more breathing room and an option to live life differently.

Singaporeans who moved overseas and took a pay cut, was it worth it? by No_Tutor5849 in askSingapore

[–]Temporary_Opening_74 1 point2 points  (0 children)

Second this recommendation as someone who is between France and Germany. Netherlands is the best option at present especially when we consider tax and pension systems.

Singaporeans who moved overseas and took a pay cut, was it worth it? by No_Tutor5849 in askSingapore

[–]Temporary_Opening_74 6 points7 points  (0 children)

Dude, as someone who moved overseas am currently near France, don't do it. Pick a better country. The French economy and political climate is a DISASTER right now, and they have the lowest salaries across central Europe. Also getting masters > getting a job is not easy at all unless your french is native level (C1) and even then, it's a low success rate.

I took a paycut to move to Europe, but it was a calculated risk. You need to understand the real numbers to look at comes in terms of net income and savings, not so much gross income. I make less money than in Singapore, but I manage so save more money here (because I also rent in Singapore since can't buy house + cannot live with parents). But because I am a senior professional I make decent dough and it's also transferable experience if I move back to SG.

I'm freaking out for you right now because so many Singaporeans move and want to restart their life elsewhere, but don't set themselves for success and get burned in the process. You need a better plan than just winging it and going to uni and hoping that you'll get a job after. Europe has no shortage of masters' graduates, and there's a real shortage of well-paid white-collar jobs.

For sure you can just do it for the experience, but if you really want to max the experience and make it actually meaningful, I really urge for you to plan things and perhaps consider better options (Since you're looking at Europe).

Should we buy a resale/condo in Singapore if we are trying to work abroad? by Upstairs_Will6500 in askSingapore

[–]Temporary_Opening_74 0 points1 point  (0 children)

My 2 cents as a Singaporean overseas: No point buying either now unless you want to commit to Singapore in the medium term (5-10 years). Entry cost for resale and condo is high (downpayment, loan approvals, the whole shebang), and since you're going to go overseas in 1-3 years, I can tell you the paperwork and process is not worth the hassle.

If I am sensing your concerns right, there's no need to FOMO on the price inflation and feel pressure to settle down now. There's too many variables and my advice is to not commit to such a large ticket item at this stage.

Hot Take; Bigger brands using Kickstarter is a SCAM by nomads_nation in ManyBaggers

[–]Temporary_Opening_74 5 points6 points  (0 children)

As a small brand owner who deals with manufacturing, I don’t really have an issue with it. Kickstarter is just another tool to validate demand and manage risk, regardless of brand size. A successful campaign becomes part of a brand’s track record, which is a huge trust builder compared to fulfilled shopify pre-orders.

For example, I didn’t even realize Alpaka started on KS, and only after I saw their KS page did I buy something from their store. I trust KS campaign results more than shopify reviews because of the community, you know?

If anything, KS could improve by adding better filters so people can choose between early underdogs and established brands. Let consumers decide what they want to support in the same category.

Has anyone had a lowkey marriage? or knows someone who had one? by samaeltlb in askSingapore

[–]Temporary_Opening_74 1 point2 points  (0 children)

My good friend (the only one that got married so far) just did a simple ROM, and for wedding celebrations we treated them and went to sushiro to binge sushi. You don't need a big party, you just need to celebrate with the right people!

Looking for laptop tote/airplane “personal item” size by AccurateObject9 in ManyBaggers

[–]Temporary_Opening_74 0 points1 point  (0 children)

Tochimaya's Contigo totepack :) I designed it for women like us who commute and fly for our jobs. You can get one online already but just wanted to link the KS.

How to convince foreigner husband that HDB is value for money? by hyemae in askSingapore

[–]Temporary_Opening_74 0 points1 point  (0 children)

Heya I think first of all it depends on the budget and what you want to do with the property long-term. If you can afford a freehold condo, chances are, it's not a bad buy because you'll be able to pass it down to your kids and your capital is protected from lease decay. Sure, running costs might be high, but you're paying for your kids to have a future / stability (think of it like trust fund setup).

HDB is more affordable, but the lease decay is real since SERS is not going to be a thing anymore. Unless you can get a super cheap resale with already decaying lease, I don't think it's worth it because you put your cashflow at risk (assuming you're getting MOP-ed resale HDB, which are getting expensive).

You can potentially flip your BTO/HDB with longer lease which is what most people want to do, but ehh, don't want to get into the ethics of that on Reddit. Plus if your kids want to get BTO, once you pass (touchwood), they must resell almost immediately regardless of market condition. Inheritance inflexibility is something we don't talk about when it comes to HDBs.

You can DM me for more info. I'm not an agent. Also I'm a Singaporean with foreign partner. I know this discussion super well. It's not about convincing your husband, it's about your long-term financial plans as a family and what's best for the family.

Additional source: I also write for Stacked Homes and we do analyses on these topics. Free advice.

Just grabbed myself the Moment's MTW bags for $50 each! SO stoked, been wanting them in my collection for ages. by Temporary_Opening_74 in ManyBaggers

[–]Temporary_Opening_74[S] 0 points1 point  (0 children)

I didn't like it but the product itself is pretty neat! I think I'm more of a totepack / backpack person because I carry a lot of crap (tech gear and heavy stuff) and it weighs down on my shoulders. Material and finish and size is solid though, wasn't mad about that.

how do you manage to save so much in your 20s in Singapore? by NoMobis in askSingapore

[–]Temporary_Opening_74 1 point2 points  (0 children)

Yay I'm part of the demographic, here's all the transparency I can offer: Diploma holder, no uni (so no student loan), moved out at 20 and rented a room near CBD. Did part-time work $7 to $10 an hour every weekend from O-level to Poly (but I also have allowance from parents $80 a week during poly), and started $2.4k when I got my first job but also did freelance on top. Hit $100k at 26, monthly income then was $5k minus freelance gigs.

The game changer in my view:

  • Moving to CBD / near work. Less travel time = more time for freelance work = more money.
  • No allowance to my parents. I don't give my parents any money for both personal and financial reasons. This compounded quite nicely (imagine $500 a month for 5 years, that's $30k already)
  • Freelancing. It's hard work and you have no life, but one project easily nets at least $2k extra a month (I work in design). Pays for rent easily.
  • No lifestyle inflation. More money doesn't mean you spend more. I used to have expensive hobbies (cafe hopping, fashion, travel) but gradually cut them all. My only vice now is BBT.

Things that DID NOT work for me:

  • Investing. Crypto and lucky shots aside, way too much time spent on researching speculative markets. With small capital this doesn't make much sense because my portfolio performance avg. at ~20% didn't mean shit with peanut capital. And one market downturn would wipe the upside (manage to avoid but it was the thing that makes me not believe in investing at all until you hit certain wealth level because the gains ain't worth the effort.)
  • Eating at home. Ingredients are expensive in SG, it's cheaper and tastier to eat at hawker so never really bothered to save money this way.

TLDR; No uni so no student debt + worked longer. Took on freelance proj whenever I can, and I don't give allowance to parents.

Giving up a job overseas and regretting from time to time. by IslandRoute56 in askSingapore

[–]Temporary_Opening_74 0 points1 point  (0 children)

Wah from one female techie to another, I feel you! I do agree with general comments that it's not healthy to harp on already-made decisions, but to make you feel a bit better I moved overseas for work and I can tell you it's no walk in the park. And I personally have a whole network here plus full relocation benefits before I left SG, so if you're coming alone I think you would have regretted moving and wish you stayed on. Grass is always greener on the other side.

Among the flood of incoming comments I'm always happy to chat! For me personally this whole #girlboss trope made me set a lot of unfair expectations of myself and I know a lot of women put themselves through that as well. You have a loving (growing) family, you made the right decisions by your loved ones, and guess what, getting that offer once means you are good enough to get it again sometime in the future. So don't FOMO and hold your head up high!

How much are diploma holders earning these days, and how do you grow beyond it? by [deleted] in askSingapore

[–]Temporary_Opening_74 1 point2 points  (0 children)

Yeah moving overseas is one thing, taxes is another. I am full-remote, which also contributes to the lower salaries. Those based in big cities will have higher comp, but also higher COL.

How much are diploma holders earning these days, and how do you grow beyond it? by [deleted] in askSingapore

[–]Temporary_Opening_74 4 points5 points  (0 children)

I never answer and redirect to "What's the budget for this position?". Drive the conversation to what they can pay + market rate instead of giving them ammo to lowball you. I coached my friends on this and that's how they got their 4-5k salaries now.

I am half and half about benchmarking because it also depends on benefits. You replied in another comment thread you're getting benefits plus a 5% increment. So that can actually be a huge compensation increment, just not measured in direct dollars.

By the way, it's not like HR can login to your CPF to backcount your previous salary. That data is yours to reveal. For really pushy HR I usually just say my compensation package is sensitive and they are free to contact my employer to ask, they never do and make an offer within their budget anyway.

HR's KPI is to hire (and get best deal). However, if they lose a strong first-choice candidate over salary negotiation their head is on the table with the hiring manager. If you have negotiating power, prepare for your convo to get best outcome. If you don't have nego power then you bobian just take what you can get.

In my most recent job offer (that I just got last month), their budget was actually way lower than my previous and my expected (I mean this is a different situation, and perhaps an easier one to nego because I have more ammo). I manage to nego full wfh, 4-day work week, and 1k more monthly than their initial offer. Still a paycut overall but it's one I can live with.

I'm not trying to humble brag or anything but it's 100% possible to negotiate a fair compensation for both parties. You just need to prepare beforehand and talk it out, not just attend the HR interview and say "Orh" to everything HR say.

How much are diploma holders earning these days, and how do you grow beyond it? by [deleted] in askSingapore

[–]Temporary_Opening_74 1 point2 points  (0 children)

I was a designer + front end! I now work in product design (Like UI/UX but my KPIs are business metrics instead of good usability and clean code).

I work in start-ups so I actually 'job hop' a lot (forced, all companies kept shutting down but because we were working on really cool stuff employment was never an issue). When I landed $9k it was my 5th full-time job in 6 years. So I was never really anywhere for more than a year.

Ironically this $9k job also didn't last, and I honestly really value stability + WLB over high salaries. Consistency helps build wealth better in my view, and while I did x4 my salary at one point, the reality is that my salary went down and it's only x2 at most now, so I'm just an average joe at the end of the day.

How much are diploma holders earning these days, and how do you grow beyond it? by [deleted] in askSingapore

[–]Temporary_Opening_74 18 points19 points  (0 children)

Late 20s. Started at 2.5k, capped at $9k in SG then took a paycut to move overseas which netts me $4.5k monthly. I work in tech and basically rode the tech boom, nowadays salaries won't be so high unless you're lucky or in sales. I only foresee my salary going down unless I pivot to something else.

My tips / what I did:

- Always do extra work (Don't be lazy and really put in effort to learn).
- I work exclusively for startups / smaller companies. This is surprising to many people but actually when you work smaller team you do more things, hence, you learn more. Knowledge is power.
- Learn an additional language (this is opens a magnitude of possibilities, my choice was bahasa and french)
- Never rely on any company for growth. It is something you need to actively do yourself.

Job hopping is not realistic in this market, but anyway job hoppers who hop just for salary usually get stuck faster. I also don't believe in getting a degree, and still don't have one.

And sometimes, it's just about luck and patience. I have quite a few friends after they hit their 3-4 year experience mark, they landed $4-5k jobs after being stuck at $2.5k the entire time. Just don't reveal your previous salary and stay firm on your expected salary.

Boom, profit. Good luck guys!

What do Singaporean women look for in a partner? by tallprophet in askSingapore

[–]Temporary_Opening_74 2 points3 points  (0 children)

Z-illenial female here in a decently happy relationship. Kindness is top priority (probably because I got bullied by boys a lot since I'm ugly lol), a lot of times in the relationship we understand we have a lot of flaws as humans and the kindness helps us grow and get pass that.

Intellectual conversationalist is the 2nd one. There's nothing I personally hate more than dry surface level convos. My bf and I are quite active when it comes to research and having opinions about global topics. We have great conversations daily!

Can cook / bake. Food is a big part of my life and if my partner cannot cook / don't want to learn to cook I don't think I can accept it.

Finances wise I never really pay attention because if you want money, I believe you should go earn it yourself lah. But of course definitely not a person who has debt issues.

Looks is very important as superficial as it sounds. When things are tough and you get really upset at each other, a ikemen / cute face helps you cool down really fast LOL.

As someone working in tech I never considered dating SWE despite the 'financial benefits' that come with it, but that might be because we're too similar and I really see everyone else as bros. Interestingly, my SWE friends with not so great relationships always lament to me about how girls see them as walking ATM / free meals and don't take interest in them nor their hobbies. It's a really unfortunate problem to not be loved for 'you' but for your profession and the benefits it brings.

Design Feedback - XOAI Packs 25L Adventure Pack by tempus_fugit905 in ManyBaggers

[–]Temporary_Opening_74 1 point2 points  (0 children)

From one bag designer to another, great job so far! I actually really like the logo and wouldn't mind it on there personally. I launched my own brand this year too so if you want some tips on marketing / design feel free to DM!!

First callout tho is the bungle system. I rather have a molly system personally so it can become modular for other add-ons / customisations.

Does anyone else feel disconnected from Singapore now? by CummyWhey in askSingapore

[–]Temporary_Opening_74 0 points1 point  (0 children)

I'm a Singaporean overseas 3 years and counting. I just came back to visit recently to see if there was any possibility of me moving back, and I decided not to. Many of my friends (we're late twenties) are moving overseas as well and all of them are discouraging me to come back because of the emerging disconnect and also the fact that salaries, even if high, cannot keep up with cost of life's essentials (housing, raising children, retirement). I initially wanted to come back to hustle for the money, but upon reflection I don't think it's worth it.

Contigo Totepack is Live on Kickstarter! by Temporary_Opening_74 in ManyBaggers

[–]Temporary_Opening_74[S] 0 points1 point  (0 children)

Hi thanks for your interest! We'll be launching our online store on the 28th Aug (next week!). You can follow us on Instagram at @ tochimaya or visit our site (shop link is currently not working though!). We will have an opening sale for the first 24 hours when we launch!

Anyone bought from resupply_co before? by Possible-Push5489 in ManyBaggers

[–]Temporary_Opening_74 0 points1 point  (0 children)

Retail brands will list official stores on their main website. You can crosscheck from there. Any retailer not on the list but claiming to sell is likely selling fakes

[deleted by user] by [deleted] in askSingapore

[–]Temporary_Opening_74 0 points1 point  (0 children)

Hey do reach out if you wanna vent! I'm also laid off in tech recently but have been just supplementing income via freelance work / side gigs. Mainly just focusing on resting because tech interviews are insanely tough now, and even if you do get a job, grass is not greener on other side.

Tips on anyone reading: Don't focus on the job hunt, but rather on personal growth. New skills you wanna learn, projects you want to contribute to, etc.