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  • Asked by Anonymous

    Eveline Lau
    Eveline Lau
    16 Answers, 56 Upvotes
    Answered on 26 Nov 2018
    First thing - what about it are you finding it hard to cope? Financial? Stress? I’m currently taking part-time Masters in NUS (just for reference on the amount of stress, lol) and working full-time as a professional. Seeing that I’m almost graduating, I think the points below worked quite well and may help you survive alright: 1. Overload your semesters For my programme, I’m expected to take 10 modules in total and complete the programme in no more than 3 years. Having a good spread would mean taking 2 modules for 5 semesters. However, I chose to do it in 4 semesters by overloading 2 semesters with 3 modules. This helped me to save 1 semester’s school fees and also there is a Chinese saying, 长痛不如短痛。The more you spread the your modules, the more likely you’ll feel the inertia to study. The intensity will set you into grind mode and before you know it, the programme is over and you’ve graduated! 2. Choose your modules wisely If your programme allows you to choose modules, use your first semester‘s results to have a good gauge as to which kind of subjects you fare better in. Take more of those modules, if that is also your interest. The more interest you have in a module, the more likely you’ll want to understand the concepts and hence, fare better at it. 3. Make friends Making (capable) people as friends is definitely beneficial. Project? No problem, just group with them. You can ride the wave (but please contribute, don’t leech!) by learning from them. Individual assignment? No problem, you can consult them or compare answers with them. Additional plus is you won’t be attending lecture alone, how fun! 4. Study ahead Personally, I’m bad at this because my job makes me work OT all the time. But studying in advance and regularly gives you time to digest concepts, ask people if you don’t understand and also do practice papers. You’re less likely to to feel last-minute stress, which is counterproductive. 5. Set your mindset right There‘s a Chinese idiom, 先苦后甜. Work hard now to enjoy the fruits later. Be fixated on this and you’ll unlikely fall for temptation to laze your weekends away. 6. Plan activities after exams Gathering with friends, holiday trip... Anything that floats your boat. Plan it in advance (during ”school holiday” or at the start of the semester) and you can use that to carrot your way through the semester. With something to look forward to, every semester is more bearable! Best of luck with it! It’s actually not as scary as you think it is :)
  • Asked by Anonymous

    HC Tang
    HC Tang, Financial Enthusiast, Budgeting at The Society
    374 Answers, 896 Upvotes
    Answered on 09 Feb 2019
    Try this too: https://blog.seedly.sg/5-ways-make-extra-money-on-side-low-commitment/ 3-4 hours a day if you can teach then go for tuition, otherwise even if you don't wanna try, can find out from others how much can they make if is doing food delivery for all the platform. Hope it heps! Happy Hustle hustle! :)
  • Asked by Anonymous

    Luke Ho
    Luke Ho, Money Maverick at Money Maverick
    174 Answers, 291 Upvotes
    Answered on 02 Feb 2019
    If you're the safe type, it's better to keep making those contributions. You can also consider a private retirement plan, where you can customize when you want to get paid, how much you want to get paid and the rest without CPF changing the terms and conditions every time. https://www.moneymaverickofficial.com/posts/are-n-t-all-private-retirement-plans-terrible If you want more money, you should just invest it in a diversified portfolio aiming to make between 6 and 9% annualized net of fees, compared to the paltry amount that CPF is giving. I'm self employed, so I don't get CPF either and this strategy is working extremely well for me and will continue to do so. You can drop me a message either way, and I'll design something specifically tailored for your preference that makes you happier and wealthier. https://www.facebook.com/luke.ho.54
  • Asked by Anonymous

    Gabriel Lee
    Gabriel Lee
    366 Answers, 560 Upvotes
    Answered on 10 Nov 2018
    Here's an infographic from Seedly on how you can manage your income every month! Given that you're working full time while taking up a diploma course, you might not have time to take on additional part time jobs. So maybe you can consider other alternatives like dropshipping
  • Asked by Anonymous

    Steph Yeo
    Steph Yeo, Auntie Uncle Whisperer at Agency for Integrated Care
    85 Answers, 156 Upvotes
    Answered on 20 Jan 2019
    That work environment sounds like every other office. It’s nothing to worry about. Since you’re intending to do a part-time degree, I think the most important aspect of your job is whether the people embrace such an idea. Is your boss ok that you may need some time off to study? Are your co-workers ok to cover your duties when you’re not at work? If yes, then staying is a good option. As for the job prospect, maybe wait till you’re done with the degree then see how again.
  • Asked by Anonymous

    Steph Yeo
    Steph Yeo, Auntie Uncle Whisperer at Agency for Integrated Care
    85 Answers, 156 Upvotes
    Answered on 20 Jan 2019
    I think it’s cool that the boss is “promising” a promotion and pay raise. Is there another department in the company that would be able to give you the “meaning” you are searching for? If yes, maybe negotiate an internal transfer. From the organisation standpoint it’s good to have an employee understand various parts of the business. But if there’s no such opportunity, then by all means go. Don’t need to tell until you’ve found that other job that you like. You can get promoted after the 2 years, then leave a few months later with that higher job grade to help you command higher salary elsewhere.
  • Asked by Anonymous

    Vicky Faith
    Vicky Faith
    11 Answers, 68 Upvotes
    Answered on 04 Dec 2018
    I guess it could also be an opportunity for you to start "reviewing" (aka reflecting) your job. Cause it's a two way thing. We dont sell our lives to job to be fully utilised without being paid the right sum, at the same time, we dont take a large amount of money and do nothing. One thing I realise about working is working over time and keeping silent about the amount of workload I have doesn't help. In the reality, some other people who are more vocal yet still leaves work on time gets the credit (and the money) instead. Below are some of my thoughts, from my bare minimum working experience: 1) speak to your CEO, provided your organisation is open to such communication in the first place. Ie, your CEO is someone who did see your work before, know who you are and what you do (at least on the surface). If not, I doubt speaking to the CEO will help because your direct boss has the upper hand of telling the CEO the "truth" and you speaking to him only gonna make things more difficult for you. 2) if point 1 dont work, try speaking to your direct boss. Use the hamburger approach to always show your appreciation and thanks for the opportunities given for you to grow and learn in the organisation (hopefully that's true!) And share your concern as a mature adult, and dont seems like you're complaining. Dont use the "I" all the time to prove you're doing a lot, do more of the "we" nexus you may not know how how much OT did your direct boss actually does as well to meet demand too. If you wanna use "I", dont forget to add on the "you too" to show how you're looking at big picture. 3) if point 1 and 2 doesn't make sense, probably it's time to review your job instead. Get it over and done with the unfair review and start searching for a job that worth your contribution (based on the fact that you're actually out performing on your usual job scope). I'm saying this selfishly that money can be secondary and job satisfaction to be first. If your priorities are different, this pointer may not work as well. Then before performing pointer 3, take out a paper and pen and start writing down what's your priorities in life so you will know what's the best next step for you. If you do either pointer 1 or 2, it means you really value your job. And if that's the case, fight for it and dont be silent about any unfair treatment, as long as those "unfair treatment" you mentioned are really unfair in all eyes, not just yours. After I changed my job recently, I realised the importance of separating my work life and personal life apart. I realised working longer hours doesn't help me with my personal life and stopped me from doing a lot more things I wished I could do. I'm saying this in a perspective of being an employed person by a company - i do understand why entrepreneurs work long hours in order to build their company after all. Unfortunately, i do know of some companies that require every division to give at least one person to be the "no performance bonus" person in order to have like a range of good to bad. It's like they are indirectly encouraging to let the bad staff to stay so that the good staff can shine. Quite a stupid policy but it does exist. Good luck! :)
  • Asked by Anonymous

    Yong Kah Hwee
    Yong Kah Hwee

    Top Contributor (Feb)

    526 Answers, 707 Upvotes
    Answered on 15 Jan 2019
    You can try using the calculator provided on the IRAS website: https://www.iras.gov.sg/irashome/Quick-Links/Calculators/
  • Asked by Anonymous

    Loh Tat Tian
    Loh Tat Tian
    234 Answers, 337 Upvotes
    Answered on 18 Dec 2018
    Let's go counter Intuitive. Is it wrong for you to ask for promotion or a raise? Do hone your negotiation skill while also asking for the promotion and pay raise.
  • Asked by Anonymous

    Ck Chai
    Ck Chai
    84 Answers, 125 Upvotes
    Answered on 09 Jan 2019
    I won't recommend taking up a loan to invest via P2P as there is possible default risk...
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