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  • Asked by Anonymous

    Gabriel Lee

    Top Contributor (Nov)

    347 Answers, 518 Upvotes
    Answered 1h ago
    Hi, nice to see that you're in control and able to manage your finances both efficiently and effectively! Similar to other banks, you'll be charged a fall-below fee if your balance is below a certian amount after reaching a certain age. In this case, you may consider opening and using a DBS/POSB savings account along with a debit card which can all be applied for online. I'm using DBS Savings Plus along with a DBS Visa Debit Card and I understand that there won't be a fall-below fee of $2 for not maintaining the minimum average daily balance until you reach 29 years old. Alternatively, you can also consider getting a credit card since you seem to do budgeting and are able to control your finances/expenses well! Moreover, you'll be able to earn cash rebates/miles/rewards depending on the type of credit card that you have. Just make that you pay your monthly credit card bills on time to prevent any late payment fees or interest charges!
  • Asked by Anonymous

    Yixiong Chang

    Top Contributor (Nov)

    146 Answers, 187 Upvotes
    Answered 1h ago
    If u are refering to physical gold, buy ONLY investment grade bullion. They are easily recognised and can be easily traded. Go for gold coins like american eagle or canadian maple leaves. Personally I prefer the canadian maple leaves as they are beautiful and the purest at 99999 fineness. Just google silver bullion u can find several dealers in singapore. One example is www.silverbullion.com.sg , their retail office is inside CertisCisco at paya lebar. Whatever u buy , Just be mindful of the current spot price of gold/silver. And the premium u pay above spot price for the bullion. You might want to consider silver too.
  • Asked by Anonymous

    Elsa Goh
    78 Answers, 152 Upvotes
    Answered 4h ago
    For guys: tailored clothing can make a big difference. Go for mature hairstyles. Ask your friends if you look older with or without glasses, buy glasses or contacts accordingly. If u really feel there is a need to, get glasses eith no degree if glassea make you look more mature. For women: longer hair makes you look older, so grow it out. Learn how to put on makeup - lots of tutorials for that. Go for officewear, tailored if possible. Wear high heels. Same tip about glasses. For either gender, be confident. Fake it till you make it. Dont betray your consternation when people mistake you for an intern, just smile and inform them confidently that you are the manager (?) And u can assist them. Over time your poise and confidence will grow.
  • Asked by Anonymous

    Leong Wen Fong, Community Lead at Seedly
    101 Answers, 173 Upvotes
    Answered 3h ago
    I don't have a side hustle now, but I used to teach Tuition. Honestly if I could make a side hustle out of game streaming, I would totally do it. Unfortunately, I'm so bad at it, I probably need to pay people to watch me instead of people paying me. For company policies wise, I think if its ad hoc things like helping out at events etc, or emceeing, then it shouldn't be a problem. For more stable side incomes, you have to think about the time you are putting in that hustle, and at the very least, it must not affect your main job. Other than that, you might also want to re-think the time you have sith your family etc, and even the time when you spend enjoying must drastically reduce. There is always a sacrifice to get what you want
  • Asked by Anonymous

    Yong Kah Hwee

    Top Contributor (Nov)

    386 Answers, 520 Upvotes
    Answered 3h ago
    Take a leave of absence and try to apply for an internship in that area! It'd be hard to get an internship but at least he can try! Or he can borrow notes from a computer science friend and study it for a bit and see how he likes it
  • Asked by Anonymous

    Yong Kah Hwee

    Top Contributor (Nov)

    386 Answers, 520 Upvotes
    Answered 3h ago
    Watch american shows!!! Like big bang theory and the likes
  • Asked by Anonymous

    Yixiong Chang

    Top Contributor (Nov)

    146 Answers, 187 Upvotes
    Answered 5h ago
    measure it while she is sleeping? use a string. Just to get an approximate. Or if she has any of her own rings? U can take measurements/photos(on a measuring tape) of that. With an approximate the jewelsmith will usually size it just slightly bigger. So try to find the best approximate u can. As Yang Teng mentioned, u can get it resized afterwards.
  • Asked by Daniel Lee

    Hariz Arthur Maloy, Independent Financial Advisor at Promiseland Independent

    Top Contributor (Nov)

    229 Answers, 393 Upvotes
    Answered 7h ago
    Over extending their finances on a property upgrade for the sake of 'investment'. You're exchanging guaranteed and growing retirement funds (OA) and taking on a liability (mortgage) for an investment that is not guaranteed, high quantum (sometimes 20X your income), not flexible, comes with additional fees, and strict laws, which you will die die have to service for 20 to 30 years if you want to keep the house, while exposing yourself to a fluctuating interest rate. My advice is that your residence is not an investment. Stay in a modest home. Don't stay in a place that costs more than 7X the annual household income. A lot of the time when it comes to property purchase, people would also buy a house bigger than their budget because they'll say they'll "figure it out" on how to afford it. And that's just really bad.
  • Asked by Anonymous

    Lok Yang Teng

    Top Contributor (Nov)

    218 Answers, 288 Upvotes
    Answered 8h ago
    Interesting question (I presume you're refering to non precious metal/diamond embedded watches)...I dont invest in watches so I don't have much technical know-hows of watches. But I suppose it's all about demand and supply and more importantly the brand. Although not regarded as the best timepiece makers, Rolex is certainly a household name and probably a reason why its watches increases in value over time.
  • Asked by Anonymous

    Jeff Yeo, amateur Social contributor at School of social sharing
    245 Answers, 358 Upvotes
    Answered 9h ago
    Try looking for a 2nd hand one ? Many people do impulse buys and leave it collecting dust. Ok I have done that in the past... i think its alright to pamper yourself.
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