Siti Putri
Level 5. Genius
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  • Asked by Anonymous

    Siti Putri
    Siti Putri
    Level 5. Genius
    Answered on 17 Dec 2018
    How long has the LDR been? Have you talked about future..sure as potential moving in together or find job at Germany/SG ? It takes both parties to travel to meet up, so if you get to meet 3 times a year should be equal such as once in SG/Germany and another outside other country. Sometimes it is not about the hours you spent together but the quality of conversation, chemistry connection. I was in LDR too and we got married.
  • Asked by Anonymous

    Siti Putri
    Siti Putri
    Level 5. Genius
    Answered on 13 Dec 2018
    I used to model (runaway and prints) too in my late teens till 27. I agree some of the modelling jobs gave me good pay. I actually did it while studying and even while working a full time job. Take leave to do the modelling job or weekends. It all depends on your priority to juggle your schedule. I don't know about you, but my last catwalk show was when I was 27. I was the oldest person as majority were in late teens or early twenties. Not trying to be racist but oftentimes I was one of the few Asian models out of 20+ models in a show, as the rest are Caucasian or pan-Asian. This means jobs depends on clients' preference on ethnic background too. One also need to be strong psychologically as easy to get influenced by some other models with eating disorders and smoking to lose weight myth. These days with social media influencer, it is much harder to get a modelling job unless you have many followers too. Almost everyone can filter photo and be influencer or model. What I am saying is jobs like modelling while well paid has a life span. Your life stages changes too supposing as a parent or pregnancy (stretch marks) if you are female. Your education is important as something to fall back on.
  • Asked by Anonymous

    Siti Putri
    Siti Putri
    Level 5. Genius
    Answered on 02 Nov 2018
    It is not about "better" per se but your eligibility and affordability. You can only buy BTO if your spouse is a SPR and you are a SG citizen if not forget about it not eligible. For resale, your spouse must be at least on LTVP pass but cannot be a co-owner but just a legal occupier status in the paperwork. Any other pass like EP/WP/Spass not applicable. Of course if you are above 35 years and can afford it can just buy solo. Your spouse can form the family nucleus if needed. If you are not SG citizen but SPR you cannot buy a resale HDB until after 3-5 years SPR issued.
  • Asked by Anonymous

    Siti Putri
    Siti Putri
    Level 5. Genius
    Answered on 23 Oct 2018
    1) Buy the biggest HDB, surely in demand in future. To me this is BS because pointless to buy something when cannot afford and at end of day. With 99year lease, gone were the time when resale can fetch double in 5 years (except some BTO maybe). 2) Upgrading after MOP, to condo. My opinion is if you truly can afford the condo, it is fine but why must "upgrade" and why must "condo". Just silly to owe 25years to the bank on a tiny apartment and paying $300+ on small gym and small pool. Might as well I pay that $300 to join the fancy Virgin Active gym with more facilities. Especially when most people combined dual income only $10k wanting to buy condo to show off. 3) Don't buy shares because can lose money but buy bond better. To me this is incorrect, all investments have risk especially if you are clueless. Even sovereign bonds not safe and some corporate bonds not safe too. 5) Invest in properties. To me I agree that property can give rental yield and capital appreciation, but very much depends on your liquidity. For SG, think it is really worrying to ensure u have a tenant every 2 years just so that you can pay off the mortgage monthly and hope there is balance as an income. Especially with interest rates higher and with leasehold duration to concern of. Hubby and I do have some overseas properties too but it is using spare money and 100% paid in cash. Peace of mind no need to worry about mortgage. 6) Not finance related but I really hate when some folks told me I need to have kids and will regret it if I don't. Need kids to take care of you old age etc. My opinion is its my body, my life, my money and my biz if I don't want kids. 7) Take the longest mortgage loan so that you don't feel so hard. That may be true, but the longer the loan, the more the interest ends up paying double
  • Asked by Anonymous

    Siti Putri
    Siti Putri
    Level 5. Genius
    Answered on 23 Oct 2018
    IPO is initial public offering, which is highly regulated with lots of criteria and auditing needed to fulfill in order to be listed in catalist or mainboard of SGX. In general this would be companies which are already established with some track performance record and capital funds. ICO is initial coin offering, mainly because they created token cryptocurrency for you to buy some of their coins as if you are a part shareholder. This is not regulated at all, and to be honest the token might be useless since only usable for their project/business and no where else, provided it did not fail. Oftentimes need minimum $ amounts too like $5k. Once have the target amounts raised, they may release their token to be sold into public using an exchange. In addition the $ they get from you in exchange for their token will be used for their project/business financing. There are some Altcoins that could be buy/sell traded in some crypto exchange but only the less established ones will accept new Altcoins. The more established exchanges like Binance won't bother accepting. There are few thousands of cryptocurrency, so it is hard to determine and evaluate the value. In reality ICO is just a promise because these people have no prior track record of performance unlike in IPO. They could also wrap up and MIA after getting your money since hard to track. You sound like a newbie, so my advice is stay away from both including IPO. IPO is volatile too. My advice is only invest in a share after 3-5 years track record unless I have spare cash to burn. Alternatively depends on my portfolio asset allocation if I want to be more risky and my time frame.
  • Asked by Anonymous

    Siti Putri
    Siti Putri
    Level 5. Genius
    Answered on 19 Oct 2018
    The design of the place will be subjective to your liking. So if you like the design and still well maintained fixtures, then yes. But another point to note is, do you have the extra $80k in cash? If not, it will be part of mortgage loan which is only 1.8%-2.6% interest per year depends on bank or HDB loans. But if u chose to renovate yourself without own cash, then you have to take renovation loan which is 5% interest per year.
  • Asked by Anonymous

    Siti Putri
    Siti Putri
    Level 5. Genius
    Answered on 18 Oct 2018
    It seems to me that this $100k job is a sales job with upper end of commission? Ask yourself how confident can u meet the sales targets to sell that product? Afterall if u don't meet target, u won't get the $100k and might be asked to leave after 3x or 1 year of not meeting target? How sure are u that u will continue liking the $30k job? It is not just job but the environment, coworker and boss too. If the boss change would u still like the job? How old and what stage of life are u in? That will determine if money and more time more important
  • Asked by Kenneth Lou

    Siti Putri
    Siti Putri
    Level 5. Genius
    Answered on 09 Oct 2018
    Splurge on $5k+ per year for myself to travel overseas. Spend on healthy nutritious superfoods like greek yogurt, cheese, salmon, cherries, berries, muesli, protein shake, protein bars, walnuts, almonds, cashews on a daily basis. Splurge on courses (workshop/ seminars, classes) books, to pick up new skills or add knowledge. Can be average $2k+ yearly depending on what and why. Splurge on international musicals, plays and circus performance. By the way, I don't think I have vices, I don't smoke, don't drink alcohol, don't go clubbing. So I saved alot on those. I used to spend on monthly massage and facial spa, but I no longer do that except 3 times a year. I also rarely shop for clothes/shoes/bag except 2-3 times a year when I travel.
  • Asked by Georgia Ho

    Siti Putri
    Siti Putri
    Level 5. Genius
    Answered on 04 Oct 2018
    Definitely depends on your type of travelling. If you go to regular cafe, a sandwich meal with soft drink or fast food can set you US$10. There is a typical 15% service tips too. If don't have cash, tips can pay with credit card too, basically if total bill is $20, just scribble $23 on the bill and they will charge the $23 on your credit card. If you eat at mid price restaurant for lunch/ dinner can set up about S$20-25 including taxes. So I think US$35 per day on food is better. But if you are happy with quick sandwich or hotdog buns take out at streets or eating at Chinatown or Little Italy town than you can budget lesser for food. The entertainment could be more because of ticket costs to museums and transport train service could add up. I would budget U$60 per day on food, transport and some entertainment. On one-way subway ride could average US$2+. But check if you can buy month pass. If you shop at malls, please bring along your passport or ID card because the sales person often will ask you to produce when using credit card due to lots of identity theft in US. Also if possible get your 6 digit credit card PIN number, because some credit card machines don't allow signing but must use PIN.
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