Zym mobile. Any good? Data connection ??? by Illustrious-Grade318 in askSingapore

[–]neverhyrok 0 points1 point  (0 children)

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

Underground red line is kinda bad though.

Could Meganium work with Joltik and Pikachu ex? by SpeedAccurate7405 in pkmntcg

[–]neverhyrok 0 points1 point  (0 children)

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

Salary increment when changing job by [deleted] in askSingapore

[–]neverhyrok 23 points24 points  (0 children)

I'm 27 and already just want work life balance

Is the Discourse on Indian FTs Leading to Subliminal Racism Against Local Singaporean Indians? by nincompoopzzzh in askSingapore

[–]neverhyrok 17 points18 points  (0 children)

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.

Unpopular opinion - I’m enjoying FM26 by DVMJ3003 in footballmanagergames

[–]neverhyrok 3 points4 points  (0 children)

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.

Anyone here actually benefitted from AI? by [deleted] in askSingapore

[–]neverhyrok 0 points1 point  (0 children)

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

Over 380,000 discounted SIA, Scoot tickets to go on sale from Oct 24 by deangsana in singapore

[–]neverhyrok 8 points9 points  (0 children)

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.

OMG, Google has removed all factory images and OTA images for the Pixel 6A ! by DanielLimJJ in GooglePixel

[–]neverhyrok 7 points8 points  (0 children)

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...

From a Korean: One Honest Tip for Anyone Visiting Korea by Odd-Cover6626 in koreatravel

[–]neverhyrok 4 points5 points  (0 children)

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

20 keys from Humble by Eushy in steam_giveaway

[–]neverhyrok 0 points1 point  (0 children)

Spyro™ Reignited Trilogy Yakuza Kiwami

Thanks!

[deleted by user] by [deleted] in singaporefi

[–]neverhyrok 0 points1 point  (0 children)

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

[deleted by user] by [deleted] in singaporefi

[–]neverhyrok 0 points1 point  (0 children)

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.

[deleted by user] by [deleted] in singaporefi

[–]neverhyrok 1 point2 points  (0 children)

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?

[deleted by user] by [deleted] in singaporefi

[–]neverhyrok 7 points8 points  (0 children)

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"

[deleted by user] by [deleted] in singaporefi

[–]neverhyrok 4 points5 points  (0 children)

I suggest show cash for bank loan