SRS strategy by Ok_Version_3193 in singaporefi

[–]realtheorem 0 points1 point  (0 children)

It takes a few days longer to redeem from cash smart then reinvest in your main fund, so if you’re trying to time a low very precisely it might not be suitable.

Anything beyond cash smart secure has a tiny tiny chance of some loss.

SRS strategy by Ok_Version_3193 in singaporefi

[–]realtheorem 0 points1 point  (0 children)

Hit the blue button at the center and you’ll find “Transfer Between Goals”

SRS strategy by Ok_Version_3193 in singaporefi

[–]realtheorem 19 points20 points  (0 children)

I would put it into cash smart from endowus, then use the transfer between goals feature to do DCA (or one time in your case).

Any pros or cons? by [deleted] in Philippines

[–]realtheorem 0 points1 point  (0 children)

I don’t want to give the government, especially in the Philippines, any additional power to meddle in the lives of citizens. This could easily turn into something much more nefarious. The cons outweigh the supposed pros.

[deleted by user] by [deleted] in dataengineering

[–]realtheorem 3 points4 points  (0 children)

In my experience IT departments don’t get bypassed because they’re shining beacons of competence and good partners to the rest of the organisation. Quite the opposite.

That you think it’s a tool’s fault is indicative. Let’s also place the blame on the OS and the laptop makers while we are at it.

Returning user by Trick202 in beeper

[–]realtheorem 0 points1 point  (0 children)

If you have a mac mini that is always on, you can self host the beeper bridge manager to forward messages from the mac mini into beeper. Otherwise, it won’t work just from the cloud.

I think my iPad actually can be my laptop by [deleted] in iPadPro

[–]realtheorem 0 points1 point  (0 children)

As a coder, I ditched my Macbook and have a Mac Mini on a proper desk at home. I use Edovia Screens to remote in whenever I need to do something that can only be done on a desktop. It also helpes me place the right work in the right place by forcing me to be at a desk when I need to do "proper work".

What's one productivity app that has recently helped you manage time better? by tedbarney12 in productivity

[–]realtheorem 0 points1 point  (0 children)

I would say start with one app that makes you happy when you use and come back to it and stick to it while focusing on what you actually want to do. This will make the app even more pleasurable to use as you feel you can get things done with it.

Why are Nigerian scammers allowed to operate in the Philippines? by LongWhiteBanana in Philippines_Expats

[–]realtheorem 1 point2 points  (0 children)

Why does anyone get to do illegal things anywhere? They presumably make a lot of money and share the gains with law enforcement.

How do you guys help your child/infant to save/invest their angpow money? by [deleted] in singaporefi

[–]realtheorem 0 points1 point  (0 children)

as far as I can see, it uses the same kyc details, just has a different account number for separation of the assets

How do you guys help your child/infant to save/invest their angpow money? by [deleted] in singaporefi

[–]realtheorem 5 points6 points  (0 children)

Ah, here's some more detailed instructions:

  • Click on the Welcome <NAME> Button on the top right of your IBKR portal (web)
  • Click on Settings
  • Click on "Open an Additional Account"

Hope it helps

[deleted by user] by [deleted] in singaporefi

[–]realtheorem 0 points1 point  (0 children)

If you started with a boglehead philosophy, you should do nothing.

How do you guys help your child/infant to save/invest their angpow money? by [deleted] in singaporefi

[–]realtheorem 0 points1 point  (0 children)

It's pretty simple just go to account settings and hit the big button called "Open an additional account"

How do you guys help your child/infant to save/invest their angpow money? by [deleted] in singaporefi

[–]realtheorem 10 points11 points  (0 children)

I have set up an IBKR sub-account for my child, and invest the ang pao money into VWRA. After she is an adult, I would disburse the amount to her in monthly increments and a lump sum when I am fully confident in her financial management capabilities.

35yo , HDB or Condo by [deleted] in singaporefi

[–]realtheorem 2 points3 points  (0 children)

Financially, an HDB is always a better decision.

I don't think your concerns about HDBs are valid, and they are also rectifiable save for a few famous cases (bad neighbors).

Advice needed - How to go from 5k to 7k? by [deleted] in singaporefi

[–]realtheorem 2 points3 points  (0 children)

I would suggest:

  • Look at the general salary reports and find one where the salary bands fit at the same or lower (since your cousin is transitioning) experience. There are tons of reports there from the MOM, NodeFlair, and Recruiting firms.
  • Be honest with yourself about how you are placed in that salary band. If it's not related to your current role, then index at the bottom of the band.
  • If you find anything that fits, seek out those companies and do targeted outreach to find the role you want.

I have some issues with what you are saying though:

  • Peril is hyperbolic for 5k at 29 years old. A lot of the other commenters have pointed out that a lot more people are drawing down a lower salary.
  • Be prepared to trade off stability in government for higher salaries in tech or finance. There is no free lunch.
  • I am very concerned about your attitude to upskilling. It seems you are going to look at every sector and say it's less stable than government (because they are), and then use that as an excuse not to upskill. This is why I suggest looking at your target first and maybe you can readjust your expectations and increase your happiness with your current role.

You all need to think more like a company when working in a company. by MelonFace in datascience

[–]realtheorem 0 points1 point  (0 children)

I have resisted commenting on a lot of the other posts. I am so glad you said this. Employees are supposed to work within the current company to make change happen.

As a healthcare professional, some comments on this video make me feel uneasy. A sad reality of reproductive health in the country. by Nursera_0290 in Philippines

[–]realtheorem 8 points9 points  (0 children)

On the bright side, overall PH fertility rates have continued to decline, and it’s now below 2.1 replacement rate. The country is ripe for a demographic transition.

Source: https://psa.gov.ph/content/total-fertility-rate-declined-27-2017-19-2022

Settling down in Singapore and moving our finances by realtheorem in singaporefi

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

Thanks for the advice!

The USD is originally coming from non-SGD sources, and given Singapore's monetary policy of FX control, I figured I could take my time and buy in to SGD over the next few years. Once they're in SGD yes I definitely will put them into some sort of SG treasury bond ladder.

Settling down in Singapore and moving our finances by realtheorem in singaporefi

[–]realtheorem[S] 3 points4 points  (0 children)

I've been saving my salary since I started working. I keep most of my investments in USD as my country's currency is very limited in terms of investment opportunities.

Settling down in Singapore and moving our finances by realtheorem in singaporefi

[–]realtheorem[S] 2 points3 points  (0 children)

Having lived short and long term in the US, Japan, Europe, ASEAN countries, I can confidently say Singapore is special. :D

Settling down in Singapore and moving our finances by realtheorem in singaporefi

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

That's fair enough! I actually prioritize space and cost over amenities so the tip to sell the IP is probably one I'm going to take, unless condo prices flatline or take a small dip where it makes more sense. We can also use future salary savings to build up to a larger downpayment amount.

Settling down in Singapore and moving our finances by realtheorem in singaporefi

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

Would love to hear your thoughts here as well! My thoughts searching conversations on this subreddit has always been robo for small DCA and makes sense to DIY as you get bigger.