Shieleen - Seedly
S

Shieleen's profile is not filled up yet.

Shieleen

12Upvotes

About

Shieleen's profile is not filled up yet.

Credentials

Shieleen's credentials are not filled up yet.

Shieleen

12Upvotes
  • Answers (16)
  • Questions (0)
  • Reviews (0)

Family

Savings

Loans

S
Shieleen
Level 3. Wonderkid
Answered 3h ago
Wow, what a moral dilemma. If I were you, I would definitely draw a line. I felt that parents’ wrong decisions shouldn’t jeopardize their child’s future. Not that your parents or yourself want to end up in current situation. Unfortunately, things happen. A suggestion is to adhere to the 20/30/50 rule. Just that the 30% on wants can be further reduced and choose to utilize it on family’s ESSENTIAL needs and expenses instead. Have financial goals. E.g. You and your gf planning to BTO soon? Then you need to have savings for that as well. Continue to influence and educate your parents about the urgency to make adjustments to prevent worse from happening. It’s tough to change mindset and habits. But, isn’t the happiness of family more important than ‘face value’? Consult from professionals such as Credit Counseling Singapore or approach MSF.

Career

Insurance

Savings

HDB BTO

S
Shieleen
Level 3. Wonderkid
Updated 5d ago
Finance industry is volatile. It is not that glamorous and rosy as what people thought it would be. The key is to stop that mindset of taking ‘shortcut’. Be realistic and do within your limits. Now you have the goal of getting BTO in 3 years time, you should start looking at your financial planning and start having other achievable goals e.g. every month save $xxx for mortgage and $xxx for renovation, cut down on other expenses etc. Sales job will generate high income IF you are hardworking, got that wit and discernment to make it high up there. Nonetheless, it all still takes time, so be aware of timeline. Good luck!

Career

S
Shieleen
Level 3. Wonderkid
Answered 2w ago
Suggest you to go ahead if: 1) Can juggle / manage between work and studies 2) Intention (likeliness) to switch career 3) Able to finance yourself through the course if it’s self-sponsored Curious what motivates you to take up this masters course? Are you really interested and keen in this course or taking this up due to FOMO? And why not other courses or one that future-proof your banking career e.g. data analytics, fintech etc? Anyway it’s always good to learn new skills! All the best.

Career

S
Shieleen
Level 3. Wonderkid
Updated 2w ago
Definitely share the plan you have. It affect the job as studies require commitment, time & effort (e.g. think about taking leave for exams etc). You’re going to juggle between F/T job and P/T studies after all. Also, the P/T studies better be relevant to the job. Else, please be prepared to answer why you’re applying the job if the course is not relevant / close to the job applied. You may even check with HR on the training support and culture of the company so you might be eligible for company-sponsorship or subsidy for the P/T studies! You will also want to know how supportive the company is for your own career development wise. So why not?

Career

General

S
Shieleen
Level 3. Wonderkid
Answered 3w ago
Yes. Please write a formal email / letter to the HR or hiring manager you liaise with and state proper reasons. Tons of examples online (Google is our best friend). As mentioned by others, always check if there is penalty, or if the penalty is worth paying for the better job offer. All the best!

General

Credit Card

S
Shieleen
Level 3. Wonderkid
Updated 3w ago
(1) Read up on their website. (2) In short, it’s like a debit card or e-wallet. You top up and can use it locally or overseas (without even exchanging money), make online purchases or in-store and also able to withdraw money from atm. You can exchange to certain foreign currencies if you like too. Tip: exchange when the currency rate is good and keep until you use it. I’m going to Australia soon as well and I exchange an estimated amount when the rate was good not long ago, and use it to pay for accommodation, car rental, amount to be use for shopping/groceries etc. Even when you’re overseas, you can still top up from the linked account (I linked my credit card S$) and just use it for your payment. Love: Competitive rate, so much better than using your credit card overseas due to exchange rate. No need to exchange big amount of cash overseas. Very useful in countries with extensive use of credit/debit cards. I top up as and when I need it so i don’t have to worry about lost card, stolen money, being mindful about physical wallet with cash etc. Downside: the money in the “wallet” cannot be refunded back to your e.g. bank account

Career

S
Shieleen
Level 3. Wonderkid
Answered 3w ago
Go ahead, let your mother learn a new skill! Assuming 67yo as retirement age for her, she has at least another 10 - 20+ years in her career life. So, why not? Career pathway and salary range in Early childhood education & development sector is very straightforward and rather transparent. Start looking for more information on ECDA website. A few checks for your mum to consider: 1) Motivation to take up the course (for fun, just feel like attending or serious in committing to a job in future?) 2) Motivation to take up the role when she decided to enroll into the course. 3) What is her priority in taking up a job assuming she pass the course? E.g. salary, location, or factors she cannot really control such as company culture and relationship with colleagues etc. If not continuing in an admin job, what skills does she have to pick up another job? Facing the reality, the ball is still in employers’ court, it will be difficult to find a job where all her expectations or criteria can be met. Hence, adaptive / interpersonal skills makes a whole lot of difference. Besides, admin role is so easily replaceable. Accountant job scope is pretty similar, she can ask for higher salary if her skills and value to employer can justify the price tag she asked for. Be realistic in expectations and do your homework/research to avoid similar workplace issues or reasons for leaving again.

Lifestyle

General

S
Shieleen
Level 3. Wonderkid
Updated 4w ago
Get a prepaid SIM card, you can choose the package you want & avoid unwanted ‘accidental’ roaming charges. 1) ChangiRecommends ( https://www.changirecommends.com/deals.aspx?cid=26&t=depart#!910_0 ) where you can pick up before departure at airport 2) just approach a store locally to purchase and get the staff to install & test for you. 3) For post-paid plan, you can also purchase roaming data plan add-on from your telco e.g. I help my mother to subscribe a roaming plan from Singtel so she don’t have to change SIM card.

Credit Card

S
Shieleen
Level 3. Wonderkid
Answered 4w ago
What is consider as your emergency? Depends on your needs, but if you don’t use it often or meet the criteria, you won’t reap the benefits of the card. Tons of comparison website out there, for example https://www.gobear.com/sg.

Family

Lifestyle

Career

S
Shieleen
Level 3. Wonderkid
Answered 4w ago
Go seek professional help from career advisor / career coach. There are so many schemes available to help local workers. But first, that person must be willing to be assisted and help himself to get out of current situation since there might be more (to the described above) than meet the eyes. Be open minded, receptive to suggestions and adapt to changes. Don’t get stuck in the past, don’t externalize problems, make it work gradually. Nobody owes anyone a living and there’s no shortcut to success. So if need be, upgrade / take action to change current situation! Employers hire for relevant skills & positive attitude, that’s what they value. On the other hand, nothing is wrong with husband taking on the role of caring for family.
Load more questions
Level 3. Wonderkid
12UpvotesGoal 20
8 UPVOTES TO LEVEL UP
Browse Rewards