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Fresh Graduates

Young adults out into the working world

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Fresh Graduates

Lifestyle

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Do you think I should apply for this internship?
Yang Teng
Yang Teng
Top Contributor

Top Contributor (Aug)

Level 9. God of Wisdom
Answered 5h ago
I wouldn't. First, there isn't a company name to refer to on the google form or on the job posting. Second, the pay seems sketchy for flexible workdays and rather simple job scope (uni intern is about ~$700). Third, this seems to be those work for wealth planning/financial advisor roles which do not have a good reputation for interns.

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AMA The Woke Salaryman

FIRE Movement

Fresh Graduates

How can a fresh graduate start being involved in FIRE movement?
Chris
Chris, Writer at Assetincentives
Level 3. Wonderkid
Answered 8h ago
Hello! For context, I am a recent graduate as well, trying to get involved in the fire movement! I personally feel what is most important is to cultivate discipline. With a disciplined approach, you can keep track of your expenses, increase your savings thus enabling you to build a larger asset base. If you have a nice income figure but do not have the discipline to retain most of it to further your FIRE goals, then it will be quite counterproductive. For example, it takes a huge amount of discipline to refrain from giving in to temptations which you can then leverage on to reduce expenses. The little expense savings add up and soon you will find that you can save much more than before. Also, by being disciplined, you can then budget and allocate your income to your expenses, savings, and investments. You will also find that you will start to set little milestones for your journey to inch you nearer to your FIRE goals. As such, the problem is not when you start, but your ability to sustain what you started. (: All the best! If you are interested, I am documenting my personal finance journey here. I am also a beginner in this area that's why I am documenting my processes and perspectives in this space to receive feedbacks/ on best practices. (:

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AMA The Woke Salaryman

Career

Fresh Graduates

Any advice on how to establish a network and remain competitive in the job market for returning Singaporeans (2 years after graduating uni)?
Daniel Kok
Daniel Kok
Level 5. Genius
Answered 11h ago
Hope I'm not wrong by guessing you're in a finance related field since your internship was with audit. Nonetheless, what you can do is to reach out to headhunters that are specialized in the field to assist you on your job search. overseas experience within the relevant field is always appreciated as you might bring a different perspective comparing to your other competitors interviewing for the same job opportunity. update your CV and LinkedIn profile and start actively looking for jobs at portals that you might be keen in for a start! :)

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Career

Fresh Graduates

AMA The Woke Salaryman

Any advice for someone working in a startup? Long hours, fast paced, feel like at some points compromising on work life balance, not sure if I can hold out long term...?
C
Cam
Level 4. Prodigy
Updated 2d ago
Working in a startup, it means brand new business, the unknownpath has to figure out, more work effort and discoveries are needed as compared to an established company that has system , which gives smaller room to disagree and make improvements on. Yes the effort and time put in startup companies can be quite alot. No pain no gain. With the effort and time that you put into your work ,may bring to you great discovery and breakthrough in your career, giving you the experience and sharpening of your skills, which makes gives you an edge to climb up the corporate leader in the startup entity itself or even career jump to bigger and establish corporations. End day , you will need to consider what's your career goals you want to achieve, and what makes you passionate in your work. With the passion, it can helps us to pull through the toughest part to endure in our endeavours. If you do not find passion in your work you might want to consider your career options

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AMA The Woke Salaryman

Undergraduate

Fresh Graduates

What did you study in university? Do you think there are certain degrees that are set up for greater success over others? Such as finance degree grads earning higher than mass comm grads?
He Ruiming
He Ruiming, Co-Founder at The Woke Salaryman
Level 6. Master
Answered 3d ago
I studied comms and criminology, so really, nothing about finance. I think there are certain degrees that will reward you better monetarily in the short run. In the long run, it's up to your attitude towards learning and upskill and putting your neck out for opportunities. PS: I'm a Mass Comm grad from Ngee Ann Polytechinic! Class of 2008.

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AMA The Woke Salaryman

Career

Fresh Graduates

Education

I know a lot of employers prefer hiring from local universities, I'm not from a local U, how can I pitch myself to stand out?
Yang Teng
Yang Teng
Top Contributor

Top Contributor (Aug)

Level 9. God of Wisdom
Answered 3d ago
You have to then exemplify how you are better than the other applicants. If you partook in relevant competition (e.g. case competition) and performed reasonably well, you can use to show case proficiency in a particular skill set. If you have completed many internships where the role is similar to that of what you are applying to, you can use it to highlight your expertise. If you have no prior professional or extracurricular experiences, you can still display your ability by completing a tasking common in the industry. (e.g. slide deck) It all depends on how you market yourself.

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AMA The Woke Salaryman

Fresh Graduates

Recently graduated from University. Suffering from depression and anxiety in all my uni years. Previous medication flopped. Result: No motivation, Bad GPA, no skills. Future seems bleak. Tip please?
He Ruiming
He Ruiming, Co-Founder at The Woke Salaryman
Level 6. Master
Answered 3d ago
I'd say the first thing you need to do is seek a stronger support system. This can include be a group of friends – or even a online forum (like this one) or our TWS IG page that makes you feel welcome. And of course, continue seeking treatment and medication. Hang around people who are encouraging and optimistic, instead of those who try to tear you down constantly. Bad grades? Too late. If you're worried about your academic results, well, there's no use crying over spilled milk. The good news is that an increasing number of employers will look at your attitude and portfolio instead of your academic results. No skills? Gain skills. If my philippino friend can learn to be a video editor on YouTube while having terrible internet back in 2005, then surely we – with so much more resources can do the same.

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Lifestyle

Retirement

AMA The Woke Salaryman

Fresh Graduates

Is there anyone like me? I'm in my early 20s and I don't have ambitions to climb the corporate ladder. I would be okay with having a mid 2-3k income for as long as I have a decent work life balance.?
D
Deedee
Level 5. Genius
Answered 2w ago
Hi anon! :) I come from a lower middle class family where my parents' retirement plans are their children (is this an Asian thing? Haha) and they have no investments at all. In fact, they recently terminated their health insurance plans and I am struggling trying to convince them to reinstate their plans so I am not as lucky as you. My $550 Braun buffel handbag which I bought 3 years ago was my promotion present to myself and that's my only luxury good. But once a year I'll clear all my leave to go on one big holiday, while spending within my means! :) Anyway, I started off thinking I would be okay with having a mid 2-3k income (similar thought process as you). However as I grew older, family expands, expenses inevitably increase as well. My family also leads a modest lifestyle, sharing food and only eating out on birthdays (not even new year or national day we would eat out!) I don't live paycheck to paycheck but since my promotion, I had more excess money and this gives me flexibility of choice and how I want to better support my big family, without compromising on my future family planning. My opinion is, if you can afford it, work hard while you still have the time and energy to do so but once you feel you really just want to enjoy life, you can always "downgrade" to do so. And this is really thinking far off into the future how your decision might affect it. All the best to you!

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Syfe

Robo-Advisors

Online Brokerages

Investments

Fresh Graduates

Anyone care to share their Syfe portfolio and the reasons behind them? And how long do you plan to keep your money there? I should be able to put in $400/month?
D
Deedee
Level 5. Genius
Answered 2w ago
Hi Anon! Pls do your own due diligence before starting any investment! I am 28 this year and have a $250/mth perpetual endowment plan for 20years (means I pay for 20 years and money continues to grow till I decide to take it out.. Or I can pass it on to my future child if any to keep it till I am age 120 if I'm not wrong). I would consider this as my safety net. Since I have a long term horizon of about 25 years (I intend to retire by age 55), I believe my investments should be able to ride out market crashes. I believe in tech that it will continue to grow and do want some investments in s&p500 but I really don't want to have to manage my portfolio so I was glad syfe started the equity100 portfolio! Hence I started $1k in syfe equity100 portfolio with $500/mth intended contribution. Then I read more about their reits portfolio, investments in sgd and how dividends would be automatically reinvested and did not want to lose out lol. So I started $1k in syfe reits 100%, and directed $100/mth into this portfolio so my equity100 would receive $400/mth instead. In short, I have - $250/mth endowment plan - $400/mth equity100 - $100/mth reits 100% I am not sure if my simple thought process helps you to decide your allocation but I wish you all the best :)

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COVID-19

Career

Family

Fresh Graduates

Hi, I'm a fresh grad and just started my traineeship. Am gonna give my parents some money at the end of the month. But uh… my pay is capped at $2.5k... How much do people usually give?
Hey Anon! Glad that you’re excited to give your parents their monthly allowance! 💰 Based on what I’ve heard, most people usually give their parents between 10% to 20% of their take-home pay . But of course there is no hard and fast rule to this!! ! There are a few ways you can do this: 1. 💵 Cash - for the ultra traditional parents “Cash is king!” 2. 💳 Bank Account Transfer - for the more tech-savvy parents 3. 💰CPF Top Ups - for the pro-CPF parents Benefits of topping up your parents’ CPF: - They can earn up to 5% p.a in interest - You get to enjoy tax relief for every dollar you top-up. (Up to $7,000 per calendar year) 💸 But of course there are other ways to help your parents out with expenses as well! 1. 🚰 Utility Bills - Take over the monthly water and electricity bills 2. 📱 TV + Wifi Subscriptions & Phone bills - Take over the payment for your home television and wifi subscriptions - Take over the payment for your home phone bill, your own phone bill (if you haven’t already been paying) or their phone bills 3. ✍️ Insurance Premiums - Assuming your parents have been paying this for you, you could liaise with your insurance agent to arrange for ‘change in payee’. - You could start paying for theirs instead as well 4. 🛒 Groceries - Take over the monthly grocery expenses - You could even hand them a credit card optimised for grocery shopping for this to earn cashbacks and rebates In short, there are many ways to help your parents out with expenses. The best would be to have an open conversation with them, to see what they prefer or what works best for them. 💟 If not (cues awkward traditional Asian families where there are no HTHTs), as long as your heart is in the right place (which it clearly is), I’m sure they will appreciate it! As filial as you are, do remember to keep some for yourself! 😂 You can try out the 50-30-20 rule for a start to see how that works for you! Congrats on your job and all the best! 👍 If anyone else has any other suggestions, please do share as well! 😌
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