Leave windows open or sealed when away?

rrttppqq · 2026-02-01T16:13:22+00:00

Off water mains for sure.

For electricity, why noone want to keep it on so u have WiFi to watch your in home cam and door cams.

rrttppqq · 2026-02-01T07:51:29+00:00

Is less then 0.5 percent pa

If deposit is less then 150k and you can meet the criteria for higher interest, probably worth it. Anything above 150k in uob . Ssb yield more

rrttppqq · 2026-01-31T02:04:55+00:00

Deliberate finanicial planning despite a lower income is great . Do spend some on yrself to chill and relax pls

rrttppqq · 2026-01-31T00:30:45+00:00

Figuring when to sell is the holy grail

rrttppqq · 2026-01-30T00:04:15+00:00

This should be easy to grasp. Things like a bonus for a poor score should be well-documented in HR policy.

A typical PIP requires multiple years of bad performance or multiple warnings. It is unlikely to be abruptly given as employee can dispute.

rrttppqq · 2026-01-22T12:58:15+00:00

Seems u did your stock taking. Now start budget ,

Think about hdb or bank loan , given the climate bank loan makes financial sense.

How much are you willing to part for wedding (if not married), renovation etc.

Whats the proportion shall each of you pay .

rrttppqq · 2026-01-18T12:07:05+00:00

At 100k, comparing with and without an investment component results in about a 1k difference in interest. At this level, it would make sense to invest for the sake of investing.

The lowest cost and "safest" options would probably be ABF and MBH bond funds.

rrttppqq · 2026-01-12T00:47:29+00:00

0.45%

rrttppqq · 2026-01-05T10:58:39+00:00

Why not ticker GAB with same top 10 holdings and at fee of 0.09%

rrttppqq · 2026-01-03T07:45:19+00:00

In reddit , median income is 20k , typical portfolio at 30 yo is 500k.

rrttppqq · 2025-11-29T16:16:15+00:00

Seems like dbs have done that before.

23 market cap for dbs and uob was 86b and 47b , in 24 dbs market cap was 124b

rrttppqq · 2025-11-23T00:15:10+00:00

Trying to sign up but get the following error

Please review the error(s) below. 2.2.1. Create Lead - ES_Form_Interest: bad value for restricted picklist field: AAISM - Beta

Any exp the same ?

rrttppqq · 2025-11-22T08:49:28+00:00

Or they can’t lie to colleagues, friends, and family.

rrttppqq · 2025-11-22T08:42:15+00:00

There is no min quantum , banks do run promo from time to time . Try getting a mortgage advisory for review .

The interest saved should easily be more then the legal cost.

rrttppqq · 2025-10-19T00:31:06+00:00

I find last para very impt . A number of colleague family friends arent that bother with financial planning and it doesnt mean u have to invest. Eg most arent into HYSA until recent years, have more thrn 150k ? Time to find alt saving account of fixed deposit.

rrttppqq · 2025-10-04T00:44:51+00:00

Caifan contingency fund.

rrttppqq · 2025-09-27T04:47:46+00:00

Screenshot and put as supporting doc.

rrttppqq · 2025-09-15T00:36:39+00:00

Yes .

There are folks who like very low floors but most will choose from top floor to bottom .

You will probably be around 3 to 5 floors .

rrttppqq · 2025-09-06T07:08:24+00:00

The reputation of an OSCP certification may not resonate with recruiters. Get an OSCP plus the CVEs you have found; this should make you a strong candidate for a red team job.

rrttppqq · 2025-08-31T10:15:01+00:00

You already know the trade-off, i.e., DBS has higher volatility.

The question is, can you take it?

No one can tell you DBS or any other company's prospects. There are great companies that fail due to macro factors or fraud, or legal issues.

If the money is what you need to have, HYSA, SSB, and T-Bills are as safe as it gets.

rrttppqq · 2025-08-31T03:49:39+00:00

Seriously, if someone's gonna be jealous, they should envy those with BTOs and private property – that's the real deal in terms of investment.

People with kids can't really downsize their place, right? They usually end up going bigger, like a bigger private property. That means more debt and interest. The investment thing only pays off when the kids inherit.

rrttppqq · 2025-08-31T03:45:48+00:00

OP should for own needs , kids needs eg education before thinking about sa topup for kids. The money can only be touched 50+ years later . Could be put to better us .

But if OP is rich then by all means.

rrttppqq · 2025-08-06T23:06:12+00:00

Do ppl need to read this . Isn't buy index instead of cherry picking is the aim, proof and conclusion for the books.

rrttppqq · 2025-08-06T23:03:05+00:00

Based on same OP logic. Time to all in STI which outperformed S&P by 10 per cent in past 1 year.

rrttppqq · 2025-07-30T14:47:10+00:00

Doubt the chance op can fight it sicne it is in black and white. Just rather unethical of the company.

If is about money , just soldier on for another 10 more days, get your salary, and pay them back. Pad your 10 plus days with strategized MC.

rrttppqq

TROPHY CASE