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Fresh Graduates

Young adults out into the working world

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Fresh Graduates

Moving forward with this new norm, is 100% WFH more beneficial or should there still be an alternate work arrangements between home and office?
It really depends, and very much so on the nature of work and personal preferences tbh. For me, I miss the office banters and the frequent impromptu discussions/brainstorm sessions where people just bounce off ideas and give constructive critics on each other's work.

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Fresh Graduates

Career

How do you gain experience when companies are not hiring you to actually get that experience? Will online courses boost my employability?
Simplest I find is to volunteer and get yourself involved with community activities. From there you can get a tonne of valuable experience, connections and references. You also get to meet and get used to interacting with people that'll consequently boost your interviewing skills - especially when you have a lot of sutff to brag about!

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Lifestyle

Fresh Graduates

Family

Personal Finance 101

Entertainment

Was wondering how much do adults spend for recreational activities or hobbies on a monthly basis. These include gym, music classes, art classes, martial arts, jamming classes, gaming subscriptions etc.?
First let me say that I find some comments here are for one upmanship without contributing to the discussion. "My investing hobby is better cuz it makes me money" "I don't have hobby so money saved." Not all hobbies or recreational activities need to have a financial return or financial value to give them meaning. From your post it seems you've done due consideration of the $$ spent on hobbies relative to your income, and if you're comfortable with it, go on and enjoy without the guilt that you're "wasting money". Seedly being a personal finance forum, opinions here may be more one dimensional, and understandably so. So I hope to contribute an alternative viewpoint.

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Fresh Graduates

Career

What would you do if you're asked for reference contacts during job application, but don't have a good one to give?
Ask ur colleagues. FYP lecturer. Just leave blank. Is just HR check. If the interviwer want you, u dont give, HR will oso let it pass most of the time.

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Fresh Graduates

FIRE Movement

Investments

Lifestyle

Stocks Investing

Hi I’m in my final semester in university, expected to have at least 350k upon graduation. How should I allocate it to achieve FIRE by 30?
Undergrads getting richer and richer yea... maybe can share with us how u got 350K?

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SeedlySOS

Investments

Fresh Graduates

Education Loans

Can you invest while paying off your student loan? Or should you clear your loan first before investing?
Hi anon, I did both at the same time. But if we are talking about priorities, then you should try and repay back your loan asap since your loan interest is guaranteed for now while your investment returns are not. And its also a matter of allocation. Will I allocate all the money i have to invest and not pay off my loan? Unlikely. So it is possible to do both at the same time. Just be watchful of your investment strategy. If you have a monthly allocation of paying off your loan, you can do a dollar cost strategy in an index fund for better cost-effective diversification instead of hitting hard on individual shares. Financial planning is an integral part of life. You can reach me here to find out more.

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Career

Lifestyle

Fresh Graduates

Does breaking job contract affect one's reputation and subsequently, more difficult to find job elsewhere?
Z

ZY

Level 6. Master

Answered 2w ago

What do you mean by breaking a job contract? Do you mean leaving the company before the contract ends? Usually you just have to serve a notice period, regardless how long more your contract duration is. The below assuming I am wrong and your definition of breaking a job contract is worse. In general, if the HR of the new company you are interviewing do their due diligence, they would check with companies which you were previously employed. Also depending on the size of your industry, if small, your future boss might be from your existing company or they might know people from this existing company. Say you work at company X and are now interviewing for company Y, I do know of some hiring managers at company Y who would text people they know at company X and ask what is their opinion about you. This is especially so if there are only a few players in the industry.

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Salary

Career

Lifestyle

Fresh Graduates

What is the starting salary for a graduate of the University of Singapore?
T

Tian

Level 4. Prodigy

Updated 5d ago

Employment rate and starting salary survey by related major in 2019 (Source: MOE) ! Please refer to the link below for detailed survey results: https://www.moe.gov.sg/docs/default-source/document/education/post-secondary/files/joint-web-publication-ges-2019.pdf SA insight : https://www.shareableasset.com/insights/
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Fresh Graduates

How do I juggle between paying for student loans and allowance for parents as a post-grad?
Hi anon, It depends on the dynamics of the parent and the child. Some parents really insist (I emphasise on that word) that their children give them a monthly allowance for bringing them up. It's especially pertinent in an Asian Chinese society because of the Confucian concept of filial piety. That being said, it wouldn't have mattered whether the child is repaying the parent for a loan Since the "repayment" for upbringing is a lifelong thing. Most children do take the initiative to return back to their parents too so that works best since it's a two-way thing. There is no one-size fits all answer because different households do it differently. Some parents are willing to withhold receiving of allowance from their children till their student loan is paid off. Some still insist on receiving the allowance despite the monthly student loan repayment. Ultimately it requires open communication with the parents. What about saving up for big ticketed items like wedding etc? The assumption here is that every parent has their children's best interests at heart. I know of parents who avoid taking an allowance for the time being because their children is managing items like housing etc. Practically, your loan should theoretically be frozen in light of the COVID-19 measures. You can consider giving back to your parents for now, and then asking if you can delay the allowance once your loan resumes if finances are tight. This allows you the space to save too. However if repayment of your loan is pertinent to you, you can allocate 10-20% of your monthly salary to repay your loan while 10% of your income to your parents for now. The rationale is to avoid the interest rolling And get it done asap. Once your loan is repaid, you can adjust 10-20% of your income allocation for your parents. A typical Budget for remaining expenses will be 10% for investment, 10% for savings, 20% for emergency fund and 10% on insurance And remaining on expenditure if that works for you. Financial planning is an integral part of life. You can reach me here to find out more.

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AMA PolicyPal

PolicyPal

Fresh Graduates

Entrepreneurship

Career

What's your recommendation for a business graduate who wants to build a tech startup?
Hi Anon, The most important thing to remember as an entrepreneur is that it is never easy. As many other successful entrepreneurs would share, you are bound to encounter setbacks and failures. The key thing is to always keep going and never lose the desire and belief. When I first started, I made an effort to speak to as many people as possible. Never be shy to share your idea. You will be surprised by the insights you can gain by speaking to more people. Another important thing is to find a mentor. Finding a good mentor can help a founder feel less lonely. A good mentor can help to provide sound input as you grow your startup. As with all relationships, it can't be forced. While finding good mentors is never easy, it is something that will help you in the long run.

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