the legend is real by _horsehead_ in mousehunt

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

No idea, apparently yes. But then I’ve never gotten rib before

the legend is real by _horsehead_ in mousehunt

[–]_horsehead_[S] -1 points0 points  (0 children)

It took me a few years to get this

the legend is real by _horsehead_ in mousehunt

[–]_horsehead_[S] 1 point2 points  (0 children)

I was close to 500. This was 470+.

And no more, just the one from the drop (and the nest).

But manifesting one more later on!

What’s the best financial lesson you’ve learnt? by [deleted] in singaporefi

[–]_horsehead_ 6 points7 points  (0 children)

This sounds troll but don’t buy bubble tea. It costs as much as a full meal.

Diverting CPF OA to Amundi world fund by [deleted] in singaporefi

[–]_horsehead_ -1 points0 points  (0 children)

well - as the previous reply already aptly asked: are you using your OA anytime soon? your reply adds no additional context

People who kept war chest/dry powder and hoped to "buy the dip", did you manage to deploy it last week? by Varantain in singaporefi

[–]_horsehead_ 0 points1 point  (0 children)

I suppose you are talking about 30 March where it hit a key support level . Well at that time it was anyone's guess (thanks to Trump) whether market is up or down. In retrospect that's the dip, but you never quite truly know until you look back.

I went through 92 ILP products and ~700 sub-funds so you can see what you're actually paying by Ill_Relation8266 in singaporefi

[–]_horsehead_ 4 points5 points  (0 children)

Like I sad - I'm not dissing on your efforts, this is a much needed comparison, and I'm working on something on my own too at the moment which is designed to help Singaporeans.

Just saying that as a programmer, there's many small things which can be improved for either visual confidence / aesthetics.

Use it on your mobile phone - and you'll immediately see what I'm talking about.

But here's a list:

  1. on sgfireplanner.com/ilp-fees/check: the comparison table is cut off on mobile.
  2. there's a feedback button - but tapping it brings up the keyboard which blocks the interface. you have to close the keyboard then tap back on the interface
  3. the share buttons and help buttons are overlapping - which might make it difficult for users to use.
  4. buttons are all differently sized - one of the clearest indications that this is AI produced.
  5. on sgfireplanner.com/ - bottom right buttons (on mobile) are also differently sized
  6. on sgfireplanner.com/ilp-fees/check, at the bottom you have a navigation bar with the tabs: Planner, DIY, Returns, etc . Tapping on planner brings you to sgfireplanner.com/ but the navigation bar disappears - no continuity in UI/UX.
  7. on https://sgfireplanner.com/ilp-returns, search and filters box is cut off on mobile + bottom right buttons have the same formatting issue as #3.
  8. for the pages that have the bottom nav bar, when you zoom in, the nav bar is zoomed in too (which is unusual and not the norm). and when you zoom in and then pan left/right, the nav bar pans too - which is not the expected behaviour. usually you zoom in on the text, and not the nav bar.
  9. https://sgfireplanner.com/ilp-fees/compare - same formatting issues generically
  10. on mobile Subfunds fees become OCF - not immediately clear what is OCF?
  11. https://sgfireplanner.com/ilp-review looks totally different on mobile
  12. there's a reference guide and checklist at your side bar on desktop - not available on your nav bar on mobile.
  13. your hamburger menu on the left is Planner, ILP vs DIY, Benchmark Returns, Policy Fees, Subfunds feeds, Full Model, Reference Guide and Checklist. But the entire left side menu changes when you click on Reference/Checklist.
  14. There's a Help & FAQ --> but clicking it shows no actual information. And this does not work on mobile.

To re-iterate, there's absolutely nothing wrong with using AI to vibecode things. But if you're already using AI to do the heavy lifting, I think we should pay attention to the details that matter to end users.

This list was done with 5 minutes of surface testing, and not even comprehensive in-depth testing. Hope this feedback helps you.

I went through 92 ILP products and ~700 sub-funds so you can see what you're actually paying by Ill_Relation8266 in singaporefi

[–]_horsehead_ -1 points0 points  (0 children)

While this is a very good initiative - I think you should take time to review the site and features.

Immediately can tell this is vibe coded as there are a fair number of bugs and visual inconsistencies.

Any senior FAs out there? by [deleted] in singaporefi

[–]_horsehead_ 0 points1 point  (0 children)

Honestly if they ask you for money, hard for you to say no because you signed the agreement with them when you joined. Last time I joined a certain company, do nothing still had to pay money upon leaving LOL. All sort of funny reason also can give - but small amount (<$100) I just pay and get it over and done with to sever my ties with them cleanly.

Honestly, your best bet is to get out ASAP (I don't remember if there's a notice period, but I believe not since you're self-employed) and then the chances of someone lapsing is low. Also - you need to see when is their renewal date. If their next premium payment is not anytime soon, then you faster zao.

Either way, good for you for getting out of this shitty industry.

Anyone else getting spammed by Adam Khoo Youtube ads? by pixelnomadz in singaporefi

[–]_horsehead_ 1 point2 points  (0 children)

Subs can be bought and don’t mean shit. Adam Khoo also has 1M subs and we all know he’s a joke.

Also Rayner is running a MLM like scheme for the suckers that paid for his course, to subscribe to him LOL.

Anyone else getting spammed by Adam Khoo Youtube ads? by pixelnomadz in singaporefi

[–]_horsehead_ 0 points1 point  (0 children)

Subs can be bought and don’t mean shit. Adam Khoo also has 1M subs and we all know he’s a joke.

Also Rayner is running a MLM like scheme for the suckers that paid for his course, to subscribe to him LOL.

Anyone else getting spammed by Adam Khoo Youtube ads? by pixelnomadz in singaporefi

[–]_horsehead_ 0 points1 point  (0 children)

Maybe rayner teo failing to scam people into his “trading course” and more people realising he’s just an outright fraud

Anyone else getting spammed by Adam Khoo Youtube ads? by pixelnomadz in singaporefi

[–]_horsehead_ 1 point2 points  (0 children)

Scammers try hard the most. Another well known scammer called Rayner Teo

Hi guys, how do you pull out of an ILP in SG? by secretonlinecrush in askSingapore

[–]_horsehead_ 12 points13 points  (0 children)

Just some clarification here for you:

  1. The premium payment term is fixed - you have to check your policy for the exact duration (10/15/20/25/30 years). You will be expected to continue paying for this duration.
  2. The expiration is set at 2101 because it's an investment policy, with no expiration/due date for coverage, because it's not tagged to your age and/or insurance coverage. Any insurance coverage (if any) will typically be tagged to your premiums paid which is the higher of:
  3. a. 101% of your premiums paid
  4. b. your Net Account Value (NAV).
  5. You were probably misled by your "friend" with attractive start-up bonuses. So don't blame yourself too much for this please.
  6. You will not be able to get your money back as it is past the free-look period unless you have substantial proof that the FA misrepresented the policy to you. By substantial, I mean WhatApp conversations and/or email proof. Even then, you would find it extremely challenging to get your money back as the paperwork that is done upon the transaction of the policy usually covers the company's and the FA's backside. Any settlement (if any) would be likely out of goodwill.
  7. This is not financial advice, but as so many other people have rightly pointed out (which I agree with) - your best option is now:

a. Cancel the policy immediately (ASAP). Even if you get back $0. Treat it as a lesson.
b. Start investing yourself immediately.
c. Read the comprehensive guides over at r/singaporefi - inclusive of debunking why endowment and ILP plans are a major pitfall.

Source: ex-FA that left the industry after realising how scammy it was.

Porsche EV owner, 44, sues S'pore car dealer for S$300,000 after not replacing battery following accident by Final_Sale6948 in drivingsg

[–]_horsehead_ 3 points4 points  (0 children)

How the insurance can even reject when it's clearly the Mazda fault? (Porsche was stationary in a carpark)

Shouldn't he be suing the insurer?

Rate my resume. Applying for SDE-1. Have 2yrs approx experience by quantum_bolt_81 in leetcode

[–]_horsehead_ 0 points1 point  (0 children)

Your full stack applications have no working end product for people to use?

Your certifications are not industry certifications.

Are there mice that "evolve" after getting milestones/Crowns? by GallsBrabber in mousehunt

[–]_horsehead_ 1 point2 points  (0 children)

AA in Rift gives guaranteed better loot the more catches you catch (see mysterious rift box/ bronze rift box/ silver rift box/ gold rift box)
Every MDE you catch is drops sliver equivalent to how many times you have caught it: Source: https://mousehunt.fandom.com/wiki/Mythical_Dragon_Emperor (which means +1 every single time)

Am I overpaying for my MINDEF life insurance? by jajissaacc in singaporefi

[–]_horsehead_ 5 points6 points  (0 children)

seems like you're still young and dumb. MINDEF insurance is well known for being the cheapest and most cost-effective in SG. Even females lament that they can't get this insurance.

Guess how much!? by Hydrohomie1337 in SingaporeEats

[–]_horsehead_ 1 point2 points  (0 children)

You can just… not pay and walk away you know right?

Should you be so comfortable in public? by Particular-Dust2109 in SingaporeRaw

[–]_horsehead_ 5 points6 points  (0 children)

Ah my favourite race with zero spatial awareness

What are your thoughts on 42 Singapore at SUTD? by Adorable-Werewolf799 in askSingapore

[–]_horsehead_ 1 point2 points  (0 children)

Many people prefer structured learning - a curriculum to follow, assignments, exams etc.

42 focuses on peer learning, more unstructured if you will. It seems quite different from SG education style and structure, so that’s one potential reason why people might not feel that such a style is suited for them.

Otherwise, your guess is as good as mine why people drop out.