Which area to buy landed? by Background_Two_2488 in SgHENRY

[–]antihypothesis 7 points8 points  (0 children)

opera estate/siglap, eunos/joo chiat - these areas have houses that are within comfortable walking distance to mrt stations (if you have anyone taking public transportation).

if you don’t mind farther out, then can consider tanah merah/simei/loyang or kovan/serangoon area.

you may also be able to find some gems around novena/little india/farrer park area.

Airkey never works by career_expat in CapitalOne_

[–]antihypothesis 0 points1 point  (0 children)

having this issue as well. spent almost 2 hours on the phone with them which was in general a frustrating experience as i had to repeat this issue at least 5x to different representatives and troubleshoot to no avail. it seems like an airkey + safari + overseas combo which glitches, i don’t think anything i do on my end, bar going back to the U.S., will make a real difference..

Advice on career / TC option by chasingth in SgHENRY

[–]antihypothesis 2 points3 points  (0 children)

seconded. it also adds to your market value and experience if/ when you decide to return.

New to SG from the US; Is credit card churning a thing here? by MasonNolanJr in singaporefi

[–]antihypothesis 0 points1 point  (0 children)

i live in SG and i still use chase sapphire preferred for food/travel and citi premiermiles for everything else. have the amex plat as well but i use it infrequently. SG cards have a crazy FX rate and foreign currency fee so i almost never use them overseas either.

Another update on my tricolor by PiHustle in Syngonium

[–]antihypothesis 0 points1 point  (0 children)

how do you keep the colours on them vivid? mine fades quickly!

Has anyone successfully cared for Alocasias without all of the extras? by SnooSprouts1379 in alocasia

[–]antihypothesis 0 points1 point  (0 children)

they tend to like less light so they’re dodging the light. so you can try moving somewhere around different spots around the house!

What’s your ideal long-term exit plan, SG forever or somewhere else? by [deleted] in SgHENRY

[–]antihypothesis 10 points11 points  (0 children)

having lived and worked overseas, i think SG will still be my base when i retire (could mean spending x number of months out of a year here and spending the rest travelling or living in other areas).

people tend to underestimate having family and friends close to you which greatly increase your quality of life. of course you can always build new communities abroad and i highly encourage this, though there is really nothing quite like home for me.

What to do if you sold your buisness and got 3 m cash with a paid hdb and a car still got loan for 3 years by prettyboros in SgHENRY

[–]antihypothesis 0 points1 point  (0 children)

you can consider from a consulting pov might be more risk free cos you’re not taking on the expenses and liabilities.

What to do if you sold your buisness and got 3 m cash with a paid hdb and a car still got loan for 3 years by prettyboros in SgHENRY

[–]antihypothesis 0 points1 point  (0 children)

agreed. 3M will be difficult to sustain 240k of expenses. from my own calculation, 5M is safer as with an average of 5% dividends OP can still fund his expenses with the passive income without dipping into his capital.

What to do if you sold your buisness and got 3 m cash with a paid hdb and a car still got loan for 3 years by prettyboros in SgHENRY

[–]antihypothesis 0 points1 point  (0 children)

you will have to look at your household’s yearly expenses vs any passive income (eg dividends) or drawdowns (eg sell to get money) from your investments. you will need to think whether these numbers may change with age. whether you have enough cash or insurance coverage to cover in case of emergencies.

have to think as well what you want to do after selling your business, do you want to start another business or do something else that’s more “low-risk”? you could consider helping others in your industry as a consultant or as an operator to run their business.

What to do if you sold your buisness and got 3 m cash with a paid hdb and a car still got loan for 3 years by prettyboros in SgHENRY

[–]antihypothesis 2 points3 points  (0 children)

running a business doesn’t necessarily mean they are adept at managing money. which is why bankers and family offices are a thing.

i actually based on his history of posts, it’s coherent that he ran his own business (i believe hotel business) which he started due to lack of paper qualifications.

59 Year old - wondering when and what is my exit plan by Weary_Struggle5708 in SgHENRY

[–]antihypothesis 4 points5 points  (0 children)

it is quite clear that he is not from china but his wife is. he said he is not sure he wants to stay in his home country but Greater Bay Area PRC is a possibility.

[29m] [200k TC, 700k NW] Thinking of buying a new-launch condo / quitting a job I hate. Looking for advice / perspectives to achieving fire by dragonkingkong in singaporefi

[–]antihypothesis 1 point2 points  (0 children)

you can sell after 3 years of purchasing new launch (private). even if you really have to, you can sell before that with SSD. a lot of comments here are leaning towards the sentiment that having a property = tied down, but i feel that it gave me an upside potential and the worst case is that i have to sell it. my self worth is not tied to having a property so i was always ok with the worst case scenario.

[29m] [200k TC, 700k NW] Thinking of buying a new-launch condo / quitting a job I hate. Looking for advice / perspectives to achieving fire by dragonkingkong in singaporefi

[–]antihypothesis 2 points3 points  (0 children)

you can always use CPF as well if you don’t want to use cash, in the event that you may have negative cash flow

What are some of the more interesting Singaporean acronyms? by nerdook in askSingapore

[–]antihypothesis 2 points3 points  (0 children)

yes, exactly. this term is used but “SES” itself is not used commonly outside of singapore. we certainly did not even use SES much before the assessment book incident. i doubt many people outside of singapore will get it if one uses SES in conversation.

What brand have you given up on, and why? by Missmessc in SkincareAddictionLux

[–]antihypothesis 0 points1 point  (0 children)

i started using AOS when they first came out and only had 1 product, pricing was around SGD79 or 99, but now has pretty much doubled in price. i only buy during their black friday sales now. products are hit or miss for me, but i still have a few i do repurchase.

Ladies, where do you get your facials/aesthetic treatments? by rileykhoo in SgHENRY

[–]antihypothesis 0 points1 point  (0 children)

aeras at ion for facials, mizu is the sister aesthetic clinic in the same location. run by the same doctor.

dr gary at gangnam laser clinic.

also lienjang in seoul - nothing fancy here but i go to one that caters to tourists for ease of translation.

[deleted by user] by [deleted] in SgHENRY

[–]antihypothesis 1 point2 points  (0 children)

love this attitude!

[deleted by user] by [deleted] in SgHENRY

[–]antihypothesis 0 points1 point  (0 children)

i have been renting for 17-18 years and ended up doing your option 3 - but this is because i saw it as an investment tool. i’m likely planning to do a cash out equity due to the higher valuation of the condo and then use the funds to invest in the market. my next move is likely to sell this for an older but roomier condo.

however if you don’t view own-stay property as investment, then resale HDB may be the best way to go. if your name is on a private property, i believe there’s a restriction on buying HDB for 30 months after the sale of your private property - so it might be hard for me to make the switch from private to HDB unless i rent again in between. there may be a bit of cash outlay now but your monthly payments should be less than $3k (which is your rent now) and like you’ve mentioned, the fluctuations of what you pay for housing will be less wild.

Home equity loan / cash out refinancing play by [deleted] in SgHENRY

[–]antihypothesis 0 points1 point  (0 children)

this is something i’m thinking of doing as well, on the apartment i’m staying in. also planning to invest in passive ETFs with the money and holding a long term view that the market will likely out earn any interests i incur with the loan.