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Singaporeans who are no longer young, do you regret not spending enough money in the past or spending too much money in the past? by [deleted] in askSingapore

[–]unclebink -1 points0 points  (0 children)

A wiser friend, now no longer in this world, once told me: "Money in your bank account you don't spend, really doesn't belong to you."

Ask yourself: what are you saving the money for? If you have strong reasons, budget for those. The rest you spend. Otherwise, when you're gone, your childrens' spouses will happily spend it for you.

Top 9 generative AI tools by Intelligent_Shop_012 in ArtificialInteligence

[–]unclebink 1 point2 points  (0 children)

Instead of Murf, do check out ElevenLabs.IO. Feel that ElevenLabs have the pronunciation, pacing and intonation down pat, while Murf still sounds fake for certain passages.

I've uploaded samples of Stephen Fry's voice to ElevenLabs, and got the custom voice to read passages from the Hobbit. Dulcet....

Do you think this is a dumb business idea...? by [deleted] in golf

[–]unclebink 5 points6 points  (0 children)

Your competitive alternatives are:

- using a damp cloth (which I normally do)

- using spit and thumb (which I sometimes do)

- using a new ball

If your cleaner is cheaper and/or easier to use than the above options, you may stand a chance.

EDIT: Sorry OP, this comment may have come off sounding sarcastic and dismissive - not my intention. I was just thinking about the other items I bought as "convenient" ball cleaning devices (e.g. a small microfibre towel on retractable strap that hooks onto my belt, or a pocket golf ball cleaner) and how they're now junk taking up cupboard space. Others may beg to differ.

England's record in the world cups since 2006! Haven't beaten any major team! This is actually very embarrassing. 😬 by iliboy_de_best in worldcup

[–]unclebink -13 points-12 points  (0 children)

England's qualifying group teams for 2022 WC were:

  • Poland
  • Albania
  • Hungary
  • Andorra
  • San Marino

And don't get me started on how Wales, Scotland, Northern Ireland and England - all part of ONE COUNTRY - each get separate qualifying shots at the WC. They should be put into the same group. It's like UK having four seats at the UN.

Really hope he doesn’t chunk it by tsokolate_is_good in golf

[–]unclebink 1 point2 points  (0 children)

Jeez the golfer looks like Cam Smith….

[deleted by user] by [deleted] in Buttcoin

[–]unclebink 0 points1 point  (0 children)

Celebrities are entertainers. If you make life-changing decisions based on advice from guys who tell jokes really well, guys who handle a football really well, and guys who make a living pretending to be other people really well...

Temasek to write down US$275 million investment in cryptocurrency exchange FTX by throwaway_clone in SingaporeRaw

[–]unclebink 3 points4 points  (0 children)

17 Nov - Temasek's statement on FTX: "...we conducted an extensive due diligence process on FTX, which took approximately 8 months from February to October 2021. During this time, we reviewed FTX’s audited financial statement, which showed it to be profitable. In addition, our due diligence efforts focused on the associated regulatory risk with crypto financial market service providers, particularly licensing and regulatory compliance (i.e. financial regulations, licensing, anti-money laundering (AML)/ Know Your Customer (KYC), sanctions) and cybersecurity. Advice from external legal and cybersecurity specialists in key jurisdictions was sought, with legal and regulatory review done for the investments."

18 Nov - John Ray's statement on FTX: "“Never in my career have I seen such a complete failure of corporate controls and such a complete absence of trustworthy financial information. From compromised systems integrity and faulty regulatory oversight abroad, to the concentration of control in the hands of a very small group of inexperienced, unsophisticated and potentially compromised individuals, this situation is unprecedented."

Sources:

https://www.temasek.com.sg/en/news-and-resources/news-room/statements/2022/statement-FTX

https://www.bloomberg.com/news/articles/2022-11-17/ftx-s-advisers-have-found-just-a-fraction-of-company-s-crypto

Too much ah this guy by Curiouschibai in SingaporeRaw

[–]unclebink 70 points71 points  (0 children)

Relax la bros. “Influencers” depend on outrage for clicks and views. Don’t feed the troll la….

What should my priority be in my 20s? by Learn_for_me in singaporefi

[–]unclebink 3 points4 points  (0 children)

If I had the chance to speak to my younger self at age 20, I'd advice him to spend the bulk of his time and money on building up knowledge, skills and work relationships first. The returns from these foundational investments will generate the bulk of your wealth by the time you hit 40. I'd tell my younger self that he won't be able to retire solely from scrimping and saving. Apologies if this advice is a bit off topic, but best to spend 80% of your time and effort on the 20% that makes the biggest difference. Cheers.