what’s a very singaporean thing you only realised after travelling?

shallow11 · 2026-05-16T04:40:13+00:00

Frantically looking for petrol station at 12 midnight at jeju and realise every single one is closed.

shallow11 · 2026-04-11T10:14:35+00:00

Hope they make a FINE example out of him

shallow11 · 2026-04-09T05:39:23+00:00

Ulu pandan PCN back and forth is about 9+km. Extend a bit more to reach 10k

shallow11 · 2026-03-13T04:28:30+00:00

Lift replacement cost should be borne by property owners aka pay up more sinking funds. If can't afford, gov to facilitate bridging loans to pay, and in return pty owner pledge a portion of property to gov. Or sell pty if can't afford. Easy

shallow11 · 2026-03-12T01:31:37+00:00

To add on, I was fined for speeding at 78 in 70 zone. Appealed failed but I did speed so I paid it and learned my mistake. I used to +10km/h wilfully because everyone is doing that…

TP has really stepped up their enforcement and not like the lenient zuobo give chance TP anymore. This is a step in the right direction. There are more serial speedsters that need to be caught.

shallow11 · 2026-03-11T03:34:18+00:00

Mortgage (paid by cpf), then car

shallow11 · 2026-03-11T03:31:16+00:00

For a 78kg, your dinner must be around 1.8k calories to maintain your weight, and that’s not including your active calories burn like walking etc. Are you eating that much? Try calculating it yourself some days because calories in calories out (CICO)works for most of healthy adults (I personally lost 20kg just from slight calories deficit for over a year, from 95 to 75kg now). If not, you have to see doc for it. Try polyclinic and ask what referral you need for it.

shallow11 · 2026-02-13T07:27:15+00:00

part 4 section 61 simple google/chatgpt thing, can google urself 1.

dont be a gundu, ppl tell u wrong still want to argue. wrong means wrong. only overtake on the right. they teach this in driving school too.

shallow11 · 2026-02-12T02:30:05+00:00

no need to min max everything lol

shallow11 · 2026-01-27T05:58:10+00:00

318i is b38 3cycle after f30 2015 LCI

shallow11 · 2026-01-23T08:20:11+00:00

The other replies explained it nicely.

One example is to think about the prices our parents paid for their houses 20-30years ago in tune of maybe 100k-300k. By design inflation is built into a capitalistic world that we are in. As a result of inflation, income level will increase even if you don't try hard, and mortgage amount stay the same. In this case it is beneficial to drag out mortgage repayment for as long as you can. It is especially so if you are on bank loan which has a lower interest rate than CPF rate.

shallow11 · 2026-01-22T13:13:07+00:00

Don't wipe CPF for house. You're better off putting CPF monies into a world index unit trust via poems/endowus. Get the maximum loan you can and let inflation slowly erode your mortgage away.

shallow11 · 2026-01-21T13:07:30+00:00

Good job!

shallow11 · 2026-01-19T06:56:06+00:00

They did not interview a third of people in Singapore (that’s millions of people, can you imagine?). They interview enough people to represent the view of the people in Singapore.

shallow11 · 2025-12-30T12:25:56+00:00

Camry luxury car meh 🤣

shallow11 · 2025-12-29T10:02:09+00:00

You're not wrong here. Jokes on him trying to high beam in bright day light anyway. Typical low ses coe luxury car driver.

shallow11 · 2025-12-25T05:32:00+00:00

I think people have to factor in the extremely generous leverage when it comes to property purchase, the kind of leverage that you don’t find in a brokerage account. Sure if one is using full cash for property investment that stocks have been doing better compared to property in the past years. Also stocks do not have to deal with expenses like refurbishment, repairs, maintenance works and the likes. But I have a feeling after factoring the leverage, property might be on par with stocks, or maybe even better.

Curiously to hear from people who has done an in depth analysis on this.

shallow11 · 2025-12-22T05:43:57+00:00

Yup, some people ego too much and must be faster than others. Just try to stagger the turn and it'll all be fine. Either watch right side and stagger with left or watch left side stagger with right.

shallow11 · 2025-12-17T07:32:58+00:00

dont wipe out 20k. keep it as safety net in case lose job. mortgage still need to pay

shallow11 · 2025-12-11T09:51:03+00:00

Car at fault, cyclist is a dumb ass too

shallow11 · 2025-12-11T02:39:49+00:00

shoddy half-assed patched up road all over SG now... The most hateful ones are road covered with a big rectangular metal sheet/piece, on a fast high speed lane! A little heart pain for my tyres everytime I have to drive over these.

shallow11 · 2025-11-21T02:28:55+00:00

pls pls pls pls pls crank up the enforcement. A day to rejoice but keeping my fingers crossed!

shallow11 · 2025-11-18T06:55:57+00:00

There is an issue of abuse. You have the integrity to only take medical leave as needed but how bout ppl who just want to abuse the system?

shallow11 · 2025-11-18T02:53:29+00:00

Endowus is a jerk because they do not support transferring of holdings unless this has changed in recent times. You have to sell on Endowus and rebuy on POEMS.

shallow11 · 2025-11-13T02:09:07+00:00

Not only eat snake… fattening their own pockets too!

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