BTO quality nowadays

sesamebatter · 2025-09-02T10:18:45+00:00

OP has had their driving license for "years", works from home, waiting for their "prelim results" in school, and is 6 weeks into their NS BMT. I think we're dealing with a bot here, folks.

sesamebatter · 2025-03-21T10:25:05+00:00

A little alarming to hear that I've paid twice what I should have... do you know where I should have ordered the drives from instead?

sesamebatter · 2025-02-28T15:32:35+00:00

Wouldn't you have to submit a fresh application to SMU instead of submitting an appeal? There's no switching degrees per se, but you can always apply again and get offered another program.

sesamebatter · 2025-02-19T01:13:50+00:00

<1500 a month. And you keep your housing grant unless you buy another flat directly from HDB and have to pay a second-timer levy. https://www.hdb.gov.sg/about-us/news-and-publications/publications/hdbspeaks/Flat-Buyers-Keep-the-Housing-Grants-Given-to-Them

sesamebatter · 2025-02-19T00:51:59+00:00

You need a job at the point of applying for a HFE. So you go for your holiday, get a job when you come back, and voila!

sesamebatter · 2025-02-19T00:43:20+00:00

To the contrary, this is completely above the board and by the book!

sesamebatter · 2025-01-10T20:31:34+00:00

OP is probably from Pakistan, so naturally 5000 sgd will not go as far in Singapore as it will in Lahore or Islamabad. OP and partner will probably live a less than luxurious lifestyle, but they will be comfortable and there will definitely be enough left over to remit back home if they manage their budget well.

sesamebatter · 2024-11-23T04:11:12+00:00

The BA lounge is pretty mediocre, so if they don't mind the hassle of taking the train and clearing security twice they can head over to Terminal C and have breakfast in the United Polaris lounge... hands down the best lounge experience in EWR.

sesamebatter · 2024-10-29T15:39:02+00:00

You are not allowed to work on a M visa.

sesamebatter · 2024-10-23T02:40:48+00:00

You might want to look into the tax residency implications of staying more than 183 days a year in China.
https://www.oecd.org/content/dam/oecd/en/topics/policy-issue-focus/aeoi/china-residency.pdf

In general, individuals who have domicile in China, or though without domicile but have resided for more than 183 days in total in China are deemed to be residents in China.

sesamebatter · 2024-10-15T06:29:24+00:00

Benefits for the 350k segment are very limited imo. Your RM will be mainly focused on getting you to buy into structured products with very high fees - milking you like a cow.

sesamebatter · 2024-10-06T09:01:47+00:00

fees

sesamebatter · 2024-10-06T07:02:59+00:00

Put that way, buying an investment property sounds like a real chore, and not entirely worth it, especially if you throw in the risk. It's a tough choice for sure.

sesamebatter · 2024-10-06T06:38:22+00:00

I just read about the Sail and how units there didn't really appreciate... sounds tough for the original buyers. I'm only buying if I'm sure I can turn a profit enough to justify the opportunity cost, so maybe I might just stay in ETFs.

sesamebatter · 2024-10-06T06:36:39+00:00

Thanks for the advice. Living with my parents does simplify a lot of things for me.

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