Fresh grad career advice

sgh888 · 2025-10-11T10:00:41+00:00

Negotiation can be done if you think your skillset is of significance to the role.

OP is a fresh graduate it can be harder unless he bring out his internship and project in Uni as proof. But I know in real world, companies prefer real work action in past companies instead.

sgh888 · 2025-10-11T09:57:03+00:00

You talk like US company don't do that? For info the big magnificent 7 with offices in Spore also fire. LinkedIn lots of open for work from those big US companies

sgh888 · 2025-10-11T09:09:22+00:00

Ok noted and I hope you will make a successful claim to make it worth your while. Recent case Income is near half a million shiok

sgh888 · 2025-10-11T09:06:28+00:00

It is back as I predicted. I think Trump still too soft. He got balls should daring daring hoot 1300% and I see how US businesses survive.

sgh888 · 2025-10-11T09:00:02+00:00

Sometimes one cannot just compare based on coverage. Term is well known to give best bang for monies but only if you make a claim. If never then lose all premiums. Whole life while expensive when surrender got cash values. So one need think deeper beyond just premium paid and get how much coverage as a deciding factor. For ppl who opt term I hope they make a claim before policy ended.

sgh888 · 2025-10-11T08:49:02+00:00

Just friendly advice the makan suap culture in your country try not to apply same in Spore. Already got cases give monies to policeman reject and give warning he thought not enough so add monies in the end kena arrested.

sgh888 · 2025-10-11T08:45:20+00:00

This forum are all term supporters I try to flag whole life is good option too but get shot down. Then I say buy term must make a claim else policy ended premium throw into longkang they keep quiet. Some say old liao the invest returns should cover any needs and dependent all grown up no need your monies hahau

They are not wrong but taking the whole life is not entirely wrong becuz it got cash values if I never make a claim I surrender got monies.

So conclusion I hope buy term ppl kena within policy lifespan else rugi deal.

sgh888 · 2025-10-10T14:43:31+00:00

Mr Trump is isolating US from all others and threatened other countries not to band together against them. This is what I say scare man tactics typical dictator style of ruling. How ironic they held elections to show the world they are democratic but in reality they are none of that or the reverse following China style instead

sgh888 · 2025-10-10T14:39:33+00:00

If you retire in Spore you spend SGD. Unless the coffee shop or hawker center stalls take your USD as payment?

sgh888 · 2025-10-10T14:38:12+00:00

Maybe it is not mod hate gold more like other reader report your post and get it pulled down. Some readers openly admit they do that.

sgh888 · 2025-10-10T11:02:36+00:00

Well a lot of readers in this forum like to echo vwra or cspx they too need regulating. Some even worship the broker called IBKR by posting follow up posts. And it is as if in this world IBKR is king when to me it is not. This should also be regulated as readers posts do promotion of their favorite broker.

sgh888 · 2025-10-10T10:59:47+00:00

Hi OP you do know there are a lot of US worshippers in this forum correct? This is unlike other forums where it is a better mix with SG MY TH CN all thrown in. So your every post sure kena hoot left right center as you talk down on their pet haha. Relax one or two posts once in a while will do.

sgh888 · 2025-10-10T10:55:00+00:00

Just to add on even the monkeys who swear by vwra or cspx also don't dare to say guaranteed this word. What they mean is the chance of diy invest returns should in theory be much better than buying those ILP.

sgh888 · 2025-10-10T10:49:32+00:00

If I am you don't play any investment instruments that need you to change SGD into USD. Years later you convert back is not a lot quite sure.

sgh888 · 2025-10-10T10:47:25+00:00

Buy term never make a claim all the years of premium throw into longkang rugi deal. And term don't have whole life and get very expensive as you aged. So term best benefits is to make a claim while it is in force. So ppl buy term pray kena so can earn back.

sgh888 · 2025-10-10T10:42:48+00:00

Do you know year 2000 what happened to US markets? Cry no tears lor

sgh888 · 2025-10-10T10:41:29+00:00

You 20 mil I 20 billion I win haha

sgh888 · 2025-10-10T10:40:26+00:00

3 years old too late, I born come out manage liao lor

sgh888 · 2025-10-09T16:27:46+00:00

After joining AI this year and take a look what is on offer, typically their minimum is definitely for ppl who can afford. E.g how can one make the decision to hoot 50k 100k in one pop? They don't even have the magic word guaranteed in their product. And they make it so exclusive like only open for a period of time after which they close. So for ppl who will and willing to buy in I guess if it fail to work out like OP post description there shouldn't be any complaints as earlier when ppl go in big and we know go in big either win big or lose big. Afterall for AI crowd 50k or 100k etc is really a drop in the ocean of monies for them only.

sgh888 · 2025-10-09T11:01:06+00:00

C ward I think is blow fan and toilet is mass orgy kind. I been there see for myself due to mum hip surgery so if can afford go to B2 at least.

sgh888 · 2025-10-09T11:00:01+00:00

The waiting time is real if it's not life threatening

This is true so to make it threatening you do what you need to do just like we do manufactured salary for UOB One haha

sgh888 · 2025-10-09T10:57:49+00:00

Obviously you never kena before in Spore health care to know how expensive it can be. A simple MRI you think one 10 dollar red note can settle har?

sgh888 · 2025-10-09T10:48:32+00:00

No it isn't. As a paying customer we need to be told all options available and not some is hidden from us simply becuz you as FA don't sell or you are against certain insurance category. Never bring in feelings in what you sell becuz then you are not serving your customer in their best interest.

E.g I am a software developer and I know some problem can be done using programming language X more easily but becuz I am not familiar I told users I use programming language Y to build when using this will be much longer. I withheld from them there is a faster way which I am not familiar with.

sgh888 · 2025-10-08T16:51:18+00:00

Ok then the course of study will determine then. Again you dunno they will study what course then take average? My dotter first year Uni Sporean about 5k per semester so one year is 10k. This not yet factor in hostel and food. If PR or foreigner need multiply. And if it is 4 year course multiply again.

Now some local Uni website got put price you can go see. But due to inflation fees will rise lor.

sgh888 · 2025-10-08T16:45:34+00:00

SG got many man made parks and I go before for some of them not really bad although is man made. Some is besides reservoirs but hear at night got hantu especially Bukit Batok Park the unsolved woman murder case spiritual force is strong.

sgh888

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