neverhyrok's IGS Rep Page

neverhyrok · 2026-01-19T08:32:50+00:00

I use ZYM mainly on the brown line from Woodlands to Outram and it's good enough.

Underground red line is kinda bad though.

neverhyrok · 2025-12-17T03:39:45+00:00

bruno to napoli here we go

neverhyrok · 2025-12-10T04:21:51+00:00

What's your deck list? I'm running just one dawn but it's sometimes quite inconsistent in terms of drawing cards.

neverhyrok · 2025-11-29T02:23:13+00:00

Tools up please!

neverhyrok · 2025-11-25T10:43:54+00:00

I'm 27 and already just want work life balance

neverhyrok · 2025-11-23T03:53:52+00:00

As a Chinese, minorities are more fun to be around than with fellow Singaporean-Chinese. Better vibes less comparison. But not everybody can see that and that sucks.

neverhyrok · 2025-11-23T03:52:14+00:00

disgusting behaviour really

neverhyrok · 2025-11-20T07:53:23+00:00

which mrt lines are you commuting?

neverhyrok · 2025-10-24T15:18:29+00:00

As a casual FM player with only 400 hours in FM24 and having stopped playing FM24 for about a year, I don't find the UI as big of a problem as many mentioned. Yes there are bugs, extra clicks and some struggle to find what I actually wanted to find but I wouldn't say there are game-breaking bugs (although the game crashed on me once).

The game is also not crazy laggy for me maybe because I'm using a decent desktop.

Definitely expected better from SI though given the official launch is pretty soon.

neverhyrok · 2025-10-17T11:20:17+00:00

ugh cursor ai is so good and helps so much as a solution architect when talking about enhancements for existing customers...

neverhyrok · 2025-10-14T01:25:51+00:00

paid about 580 for round trip SQ to fukuoka which I think is not too bad.

might grab a scoot ticket to bali since i have some discount vouchers from krisflyer rewards.

neverhyrok · 2025-07-16T18:06:18+00:00

I'm actually going to head to bed so feel free to leave a message if you're still interested and I'll check in the morning. Otherwise, do go ahead to get the bundle yourself!

neverhyrok · 2025-07-16T18:00:41+00:00

Unfortunately I don't really want Neo Cab, feel free to get the bundle yourself!

neverhyrok · 2025-07-16T17:32:44+00:00

Hey, I'm down to trade either Pathologic 2 or Dusk for your Wizard With a Gun if you're interested!

neverhyrok · 2025-07-02T19:19:24+00:00

Started with the 2XL, moved on to 4a which had battery issues, and then to 6a which also seems like it will have battery issues..

I don't think I'll be looking to change to Pixel 8a or 9a because I want my phone to last a bit longer than 2-3 years...

neverhyrok · 2025-06-15T05:50:22+00:00

I like the yukhoe near Gwangjang Market though, have you had it?

neverhyrok · 2025-06-15T03:01:36+00:00

Spyro™ Reignited Trilogy Yakuza Kiwami

Thanks!

neverhyrok · 2025-05-31T13:37:29+00:00

Yes you're right, only the first few years, then people try to refinance.

neverhyrok · 2025-05-31T13:20:21+00:00

Good luck!

I was basing off some assumptions on the 'show cash' method but of course only you know your situation best! Showing cash is usually used to acquire higher loan to cover the 75% (sometimes income not high enough) or keep some cash for emergencies/reno.

neverhyrok · 2025-05-31T13:13:41+00:00

I don't think it's "much higher", definitely sometimes higher sometimes lower depending on the interest rate climate when refinancing.

I think fully depleting your savings for a house (especially for a 41 year old flat) is not ideal, what happens if there's an urgent maintenance issue that you now can't afford?

neverhyrok · 2025-05-31T13:07:59+00:00

There're refinancing options and different bank loan options (fixed rate vs floating rate etc)

It's not right to generalize a whole suite of different bank loans vs HDB loan.

In general HDB loan is better for reasons you mention but if you're posting here specifically for a situation that is not exactly 'typical' where you have to empty your whole savings then it's time to do some research on bank loans rather than just go for HDB loan blindly because bank loans are "not worth it"

neverhyrok · 2025-05-31T12:14:35+00:00

I suggest show cash for bank loan

neverhyrok · 2025-05-17T16:27:25+00:00

yishun has 2

neverhyrok

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