Singapore Expats

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by Wd40
Sat, 13 Jun 2026 9:15 pm
Forum: Credit Card & Banking in Singapore
Topic: Investment manifesto
Replies: 15
Views: 37592

Re: Investment manifesto

@Wd40 yes, it’s good to write out your investment manifesto. Staying the course is probably the most important rule, provided you are adequately diversified. I assume your India exposure is indexed, like Nifty 50 or similar? You have a significant overweight position in India (home country bias). I...
by Wd40
Sat, 13 Jun 2026 12:45 pm
Forum: Credit Card & Banking in Singapore
Topic: Investment manifesto
Replies: 15
Views: 37592

Re: Investment manifesto

@Wd40 aren't you working in a 9 to 5 job now? I do, it has been about 3 months. But I am not really counting on it. It is nice for engagement, passing time, feeling a sense of accomplishing something. The salary is 1/4th of my Singapore salary, but it pays my bills and I am able to save it bit. But...
by Wd40
Fri, 12 Jun 2026 1:17 pm
Forum: Credit Card & Banking in Singapore
Topic: Investment manifesto
Replies: 15
Views: 37592

Re: Investment manifesto

In my view Investment Manifesto is like kind of a reminder for us so that we dont make mistakes in our asset allocation based on our feelings at that moment in time. I am expecially vulnerable to this. Hence I just used Chat GPT to draft my investment manifesto, here it is: # My Investment Manifesto...
by Wd40
Mon, 08 Jun 2026 3:17 am
Forum: Staying, Living in Singapore
Topic: What is your Singapore experience
Replies: 19
Views: 17152

Re: What is your Singapore experience

But a word of caution: I have seen countless expat vlogs where people left “wherever it was they were from” motivated by this idea that somewhere else would be better. It often ends in disappointment, because they just find other things they don’t like in the new place. I think the bottom line is, ...
by Wd40
Mon, 08 Jun 2026 3:02 am
Forum: Staying, Living in Singapore
Topic: What is your Singapore experience
Replies: 19
Views: 17152

Re: What is your Singapore experience

But a word of caution: I have seen countless expat vlogs where people left “wherever it was they were from” motivated by this idea that somewhere else would be better. It often ends in disappointment, because they just find other things they don’t like in the new place. I think the bottom line is, ...
by Wd40
Mon, 08 Jun 2026 2:12 am
Forum: Staying, Living in Singapore
Topic: What is your Singapore experience
Replies: 19
Views: 17152

Re: What is your Singapore experience

Thank you for sharing. Your experience with PR demonstrates that expats really have no long term security in Singapore. You strike me as exactly the kind of person that would make Singapore a better place... steady, educated, a saver with a family, working in technology... and yet, you missed check...
by Wd40
Mon, 08 Jun 2026 12:57 am
Forum: Staying, Living in Singapore
Topic: What is your Singapore experience
Replies: 19
Views: 17152

Re: What is your Singapore experience

I still cant believe the unbelievable ride I had in Singapore. To set the context, this was 2009 and I came from Bangalore I used to drive a car in Bangalore and I had a decent job and was just married and I was doing great, although it was the GFC and my current company in Bangalore wasnt doing gre...
by Wd40
Sun, 05 Apr 2026 11:44 am
Forum: Strictly Speaking
Topic: Is AI the final nail?
Replies: 9
Views: 19796

Re: Is AI the final nail?

What I found amazing is how AI has now entered our life and become an integral part of it. I have used to chatgpt to provide me suggestions on my diet and I realised how I was eating way too much rice like most Indians do. Now with AI, it is so easy to upload a picture of your meal and ask if the pr...
by Wd40
Fri, 13 Mar 2026 1:04 pm
Forum: Leisure Chat, Jokes, Rubbish
Topic: When will you retire?
Replies: 13
Views: 43441

Re: When will you retire?

So it came down to: what do I love enough to do for lower pay, and financial planning is the easy answer, for me anyway. I think it could be my perfect retirement job. Hey Mal! How are you doing? It looks like I am going to be unretiring myself soon. I got a couple of interview calls last week and ...
by Wd40
Wed, 11 Mar 2026 1:22 am
Forum: Leisure Chat, Jokes, Rubbish
Topic: help, how do you post on a forum ?.
Replies: 3
Views: 17620

Re: help, how do you post on a forum ?.

Hey there! Whats up?
by Wd40
Wed, 17 Dec 2025 10:16 pm
Forum: Leisure Chat, Jokes, Rubbish
Topic: When will you retire?
Replies: 13
Views: 43441

Re: When will you retire?

After a lot of thought and consideration, I’ve abandoned the MBA idea and decided to pursue certified financial planner (CFP) instead. Classes start in 3 weeks. I am just not motivated to take another corporate job and the pay on the west coast is no better than the midwest, apparently something ca...
by Wd40
Mon, 15 Dec 2025 11:24 pm
Forum: Leisure Chat, Jokes, Rubbish
Topic: When will you retire?
Replies: 13
Views: 43441

Re: When will you retire?

*This raises an interesting point: chances are, if you are over 50 and lose your executive job, the chances of you finding a similar role are very slim. So that means you'll find your yourself effectively 'retired' but without access to your CPF. Yes precisely. I'm 45 now. I'm currently in an indiv...
by Wd40
Tue, 09 Dec 2025 1:51 am
Forum: General Discussions
Topic: Hardware zone doesnt work from overseas
Replies: 1
Views: 5377

Hardware zone doesnt work from overseas

From the last few days, Hardwarezone forum is not working from my IP address. I get the below message. I find that wierd. 403 ERROR The request could not be satisfied. The Amazon CloudFront distribution is configured to block access from your country. We can't connect to the server for this app or w...
by Wd40
Tue, 09 Dec 2025 1:47 am
Forum: Leisure Chat, Jokes, Rubbish
Topic: When will you retire?
Replies: 13
Views: 43441

Re: When will you retire?

I retired this year at 45. Used the classic geographic arbitrage of earning in high income country(Singapore) for 16 years and now spending my retirement in low cost country(India). Most of you guys are high achievers, reached senior management levels in your companies, so for you guys retiring must...
by Wd40
Sun, 09 Nov 2025 6:20 pm
Forum: Travel & Holidays
Topic: Visiting Hong Kong This December – Need Suggestions for Couple-Friendly Places
Replies: 2
Views: 17206

Re: Visiting Hong Kong This December – Need Suggestions for Couple-Friendly Places

Look for Tsim Sha Tsui station and find a hotel around there. Super convenient, hotels & restaurants for any budget, and you can just walk to the Harbour Promenade — my wife and I still have a photo from over 25 years ago at that spot which we cherish to this day. Also within walking distance is th...

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