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BAD CREDIT RECORD LEADING TO MAN UNABLE TO GET RENOVATION LOAN FOR HIS BTO

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Embarking on the journey of furnishing a new Built-To-Order (BTO) flat is undoubtedly exciting, but what happens when the keys are in your hands, and renovation dreams are hindered by a haunting credit history? This article delves into the predicament of individuals facing rejection in renovating their homes due to past bad credit, exploring alternatives and seeking answers to the burning question: Are there still renovation companies in Singapore that provide payment plans through monthly installments?

Netizen who can’t get renovation loans:.

“Recently, i got my keys to my new BTO. Problem is i cant renovate my house since all my renovation loan application thru bank is rejected due to my previous bad credit although the debts have been cleared. Ive tried several renovation company that advertised at Facebook that provide “in-house loan” that turns up also to be loan thru bank. Is there stil any renovation company in Singapore that provides payment by monthly installment?”

The Impact of Bad Credit on Renovation Loan Applications

Bad credit can cast a long shadow, affecting various aspects of financial life. One such aspect is the ability to secure a renovation loan. The stringent criteria imposed by banks make it challenging for individuals with a history of bad credit to access funds for home improvements.

Search for Alternatives: In-house Loans and Their Pitfalls

In the quest for a workaround, some turn to renovation companies that advertise “in-house loans.” However, the dismay sets in when it becomes apparent that these seemingly independent loans are, in reality, channeled through banks, perpetuating the cycle of rejection.

Netizens’ Perspectives on Monthly Installment Payments

Taking a pulse of the online community reveals a skepticism rooted in the economic uncertainties of the present. Comments such as “Nope” and “Who wants to take the risk?” reflect the prevailing sentiment that the current economic climate doesn’t favor bold financial moves, especially in the realm of home renovations.

Risks and Rewards of Monthly Installment Plans

While the caution expressed by netizens is valid, it’s essential to dissect the risks and rewards of opting for monthly installment plans. Understanding the financial landscape and weighing the benefits against potential pitfalls can guide individuals in making informed decisions.

Exploring Renovation Companies in Singapore

The search for a solution leads us to explore renovation companies in Singapore that might offer payment plans through monthly installments. A curated list, coupled with user reviews, can serve as a valuable resource for those navigating this intricate terrain.

Comparing Terms and Conditions

Not all monthly installment plans are created equal. Comparing the terms and conditions of different renovation companies provides a clearer picture of what each option entails. From interest rates to repayment periods, these details can significantly impact the overall cost of the renovation.

Overcoming Renovation Challenges

For those facing obstacles in securing traditional financing, there are practical tips and strategies to overcome renovation challenges. From seeking alternative funding sources to negotiating with contractors, creative solutions abound.

The Importance of Clearing Credit Records

A crucial step in the journey is ensuring that past bad credit records are accurately updated. Taking proactive measures to clear any discrepancies can pave the way for a smoother financial path.

Real-Life Experiences

Drawing inspiration from real-life experiences, this section shares success stories of individuals who successfully navigated the renovation landscape despite previous bad credit. These narratives serve as beacons of hope and motivation for those currently facing similar hurdles.

Building a Budget-Friendly Renovation Plan

Crafting a budget-friendly renovation plan involves a delicate balance of priorities. This section provides practical tips on where to splurge and where to save, ensuring a beautiful home without breaking the bank.

Considering Partial Renovation

For those unable to undertake a complete overhaul, the concept of partial renovations emerges as a viable option. Prioritizing essential areas and phasing out the renovation process can make it more manageable and financially feasible.

Legal Aspects of Renovation Loans

Navigating the legal landscape of renovation loans is crucial. This section sheds light on the legal aspects to consider, ensuring that individuals are well-informed and protected throughout the renovation journey.

Finalizing a Renovation Plan

As we approach the conclusion, it’s time to distill the key points. Readers are encouraged to reflect on the information provided, weigh their options, and finalize a renovation plan that aligns with their financial goals and constraints.

Conclusion

In summary, the road to renovating a home with a history of bad credit may be challenging, but it’s not insurmountable. By understanding the landscape, exploring alternatives, and learning from the experiences of others, individuals can embark on the renovation journey with confidence and resilience.

MAN EXPECTS TO WORK EFFICIENTLY WITH BROKEN LAPTOP & GOT SCOLDED

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I joined a company recently. My manager was very friendly towards me for like the first month. As I am new to the industry she was very helpful in coaching me on the basic procedures. I was very grateful to her and trusted her.

As the day goes by she started to reveal her true character. I was performing well in my job and everyone in the company was praising me. But my manager did not praise me once even then I was not bothered as my responsibility is to complete my job perfectly and get my remuneration on time.

Things got worse, every morning she came to the office she will ignore me but I will greet my colleagues and also will greet her genuinely. She will not reply and I was not affected. She started to monitor me very closely.

She will stand behind my desk, shouting at me in front of everyone despite it being a small blunder. But when another team member does a mistake she will be like tell them nicely and say all will be fine.

My laptop given by my company was defective and it will shut down on its own. I have highlighted this issue to her several times but she turns deaf ears to me. She expects me to reply to her emails and supplier emails promptly. Due to my laptop problem, I couldn’t work efficiently because it keep shutting down.

Other department managers request the new purchase of laptops for their staff, unlike my manager who just ignore our team’s request and ask us to use the same old laptop. We don’t mind using it but it’s laggy and she is pressuring us to submit work on time and be productive.

She dislikes us advising as she thinks she is the only one who knows about everything.

Many staffs working under her tender their resignation as she keeps being unreasonable and taking credit for our work.

Since there was a high turnover, she ask me to do the work of the staff who left.

I just joined I have to cope with my workload and also juggle 3 person’s workload.

I didn’t give up I worked overtime and also worked on Saturday and Sunday to complete all the work.

But still, she scolds me saying I’m not efficient!

After much consideration, I left the company thinking that there would not be a career growth or work love balance here.

GIRL SICK OF HOOK UP CULTURE & ONLINE DATING

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A anonymous female took to social media to complain that she is sick of the reality of online dating and the hook up culture that follows after online dating.

Here is what she said

“So many people these days are just looking for casual hook ups and want ‘no strings attached’… Like what does that even mean? It sounds so corny. I think people that are only looking for hookups are shallow who have a hard time being open with themselves and others, I say this because I have seen and heard this for myself from guys that they have trust issues.

It’s hard to find someone on dating apps, even in real life who actually has a personality to them outside of having relations with anyone they just can. I am not satisfied nor okay with being perceived as somebody who will give just give up their body and them self in exchange for nothing.

The amount of guys that ask me if I want to have a ‘smoke and f-’ in their car or even in public is crazy, so out of this I increase my likelihood of getting addicted to nicotine and having relations in public like a wild animal, yeah no I’m good thanks.

I also do not see myself worth a few sticks of cigarettes.

I am not saying you cannot have relations with someone you’re not in a relationship with but I do not like the idea of having relations with someone if there is no romantic or emotional connection, it would feel extremely superficial and as if I am giving up everything on the spot.

I know that I am a human who is unique and has beauty not only on the outside but within for someone to discover and bond with.

I honestly wish more people thought like this about them self, I feel as if so many people these days let their self-esteem and worth get approved by broken guys who see them as nothing more but a fling.”

Image source: Unsplash.com

GUY CALLED WOMAN “MOMMY” WHEN GETTING INTIMATE, SHE STOPPED TALKING TO HIM

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I called a woman “mommy” dujring intimacy on Wednesday night and I don’t think she liked it. She hasn’t talked to me since.

honestly I’m pretty embarrassed. I’m a 27yo man for context. We aren’t officially in a relationship, Wednesday was our 4th date and we went to my place after dinner for drinks and a movie.

Well we ended up sleeping together and it was incredible. Honestly it might have been the best I’ve ever had.

I was on edge the whole time and desperately trying to hold back because I’m usually pretty quick and I didn’t want to disappoint.

Well eventually she got on top and started riding me and was talking dirty while pressing her chest into my face.

I think she knew I didn’t have much more left and she said “Are you gonna come for me?” That pushed me over the edge and opened the floodgates.

I accidentally moaned “Yes! Uhhh, MOMMY!”

I’ve never called a woman mommy during moments like this before so I don’t know where it came from but I could tell by the look on her face I don’t think she liked it.

I was super embarrassed and she didn’t stay long after that and hasn’t responded to my texts since.

MAN PAID $8888 PACKAGE FOR VIETNAM WIFE, END UP RUN AWAY

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A man recently shared his story of how his Vietnam wife ran away months after getting married.

Here is his story:

So I’m already in my 40s and I don’t really have the opportunity to meet anyone since my company has converted to 100% working from home and letting go of the office for cost-saving reasons and my social circle is all full of married people.

So I took the advice of my friend and went to a Vietnam bride agency, they gave me options to choose a package. Where I can meet 1 or 2 of them or several of them in the VIP $8888 package.

I decided to get the best package as I do not want to save money for finding the right partner. The agency flew 5 of them over after I picked them from the catalogue.

Most of them are in their early 20s and seem to be very young, 4 of them could speak mandarin and 1 could not. One of them caught my eye with a sweet smile and I thought that this was going to be a happy ending.

But deep down I know that there is an age gap and I would be a lot of patience.

Ran away

I did not host a grand wedding ceremony as I was not really proud of “buying a bride”, only my closest friends attended the ROM and we started living together.

Initially, there were some cultural differences and I am unable to eat her food except beef pho as I am not much of a vegetable eater. Luckily, she has some friends in Singapore and I thought that she will slowly adjust to Singapore after 2 months but I was so wrong.

So as per usual, I woke up with the smell of breakfast and I went to brush my teeth. But she was not home.

I assumed that she have gone to the supermarket and I continued working my day job from home. But after a few hours, I called her and the phone was off. Then I realised that there was a paper in the kitchen with the word “Sorry”.

I opened Facebook and contacted my wife’s friend who is also a Vietnamese bride.

She replied to me in a voice message in Mandarin saying “She needs time, She says you are too old she is very difficult with me”

I started to get worried and I called the bride agency but they told me that there was nothing they can do.

This is when I started to recall that all the smiles she had with me were quite fake…

She is an adult and she is not missing and there is nothing much I could do. I tried to contact her friend to get her back but my wife simply refused.

After 3 months I filed for an annulment of the marriage, really burn money…

MANAGER TAKES AWAY LUNCH BREAKS AFTER EMPLOYEE IS 6 MINS LATE FOR WORK

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A post on Reddit went viral after a man was punished for being late for work. His manager allegedly stop the man from going for a lunch break as a penalty for getting to work 6 minutes late.

As Reddit is an international forum, it is likely that the incident did not happen in Singapore. Luckily, we do not hear of such incidents happening in Singapore.

Here is the story:

Been working there for 4 months. I was never late and always ready like 15 min before my shift starts. Today I had a tough morning, in a bad mood and I was 6 minutes late for work. My manager called me to his office, complaining about why I didn’t call him to say I’m going to be late. I told him that I didn’t think about calling him as I knew that I’ll only be late for a bit.

After going back and forth, he told me that I’m not allowed to take my lunch break because I’m late and it was super busy. I didn’t bring my lunch, so I asked if I could at least grab a sandwich before starting my shift. He agreed, but only to cut half an hour of my pay..

I agreed and left “to grab a sandwich”. It’s been an hour and a half now since I left and I still haven’t returned. My manager just called me and I told him I quit. I don’t regret it (yet?)

Wish me luck!!

Going Viral

The story became viral with 60,000 upvotes on the thread and over 4,000 comments. Many netizens pitch in their thoughts and started discussing work ethics.

Stories started to pour on the thread with one of the users stating:

Which is why you don’t start work early. My coworker used to get to work 20 minutes early everyday and would start working and I kept telling him don’t do it.One day he was 15 minutes late because of the WEATHER (which made the bus late) and my boss says make sure you make up that time even though he’s obviously made it up since he was 20 minutes early for work for months. After that, he started on time!

How about Singapore?

What should one do when an employer is breaching rules of the employment act.

In Singapore, one can always refer to the Ministry of Manpower’s website for employment rights. The topics covered are

  • Hours of work and overtime
  • Annual leave
  • Sick leave
  • Public holidays entitlements
  • CPF contributions

and beyond.

GUY CHEATED ON GF, SENT INTIMATE PHOTOS OF HIMSELF TO STRANGER

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I cheated and I don’t think I’ll forgive myself

ldk if anyone will see this but I think it’ll help if I just text this out. I was in a relationship with one of the most beautiful human beings I’ve ever met, we were together for a year and I made a mistake and sent explicit pictures to somebody, I’ve never seen or met before.

I was honest and I told her and it broke her heart it broke my heart, that I could cause so much pain to somebody, especially her.

Her and I were best friends she felt like home, and now I can’t even talk or see her. It’s her birthday today, and I’ve already given her presents at her door and I have done all I can to try to get her back.

But I’m starting to realize I probably never will. I don’t want sympathy, I can’t imagine what she feels like.

We loved each other so much and It’s my fault I ruined it. It’s hard to forgive myself for that, but I try not to think about her or what I did. But i see her in my dreams and in my mind and I will never forget her.

I’ve grown so much these past couple months and just realizing certain things I need to change. One thing that hasn’t changed though is the love I have for her, she’ll always have a place in my heart and I’m just grateful to have known her to even hold a conversation with her.

She chose me and I chose dishonesty and Betrayed my best friend. Idk if I’ll ever get over her but I hope I can, I hope she can get over me, I hope she’s healing in a healthy way.

It’s been 3 months since we broke up. And I’d be lying if I told you I don’t want to see her, but I mean this like MEAN this I would give ANYTHING to see her again anything…but maybe it’s for the best that I don’t.

This is a warning to anyone that thinks about cheating or doing something like I did, take time for yourself and figure out what you want before you break your partners heart like did.

It’s something that you will never want to experience. for her and for me

Netizen’s comments

  • Why did you decide to send those photos to a stranger? Not judging you just curious as to why someone would do that.

GIRL PRIORITIZE HER PET CAT OVER BF, TELLS HIM TO MOVE OUT

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I have an 18y/o cat Misty, I’ve had her for most of my life and she helped me overcome many things such as my parent’s divorce, coming out, my mom’s death and many more. She’s precious to me and I know she doesn’t have much time left so I go out of my way to spoil her every single day.

2 years ago I got into a relationship with my bf, James knew I was a massive cat fan and although he didn’t share my enthusiasm for cats she didn’t mind it.

Last year I offered James to move in with me, I have my own apartment which I inherited from my mother, it’s in a nice location in our town and is close to James’s job. He agreed and moved in the following month.

Half a year after moving in James fell ill out of the blue, he brushed it off at first saying it’s probably nothing but I convinced him to go see a doctor and have some tests done.

The test results came in and we were shocked to discover James is allergic to cats. Apparently, he was probably mildly allergic to cats all his life but since she was never exposed to them for a long period of time it was never discovered. Him being exposed to Misty for over a year is what made his allergies much worse.

I’ve talked with James about our plans for the future. I offered he could start taking anti-allergy medication (which I said I’ll pay for) but he refused saying she doesn’t want to swallow a pill every day so he can keep living at home, which is valid.

I then asked him when she’s going to move out. James looked at me confused so I explained that since he is living with Misty is what causes him health issues it’ll be better for him to move out.

James started arguing with me, claiming I’m ridiculous for suggesting he moves out over a cat. I told him I’m not going to re-home Misty under any circumstances, and offered he could move in again after Misty passes away eventually, but until then he have to find a different place to live in.

After arguing some more James left to sleep at his sisters place and I’ve been getting calls from mutual friends who caught wind of the situation, some were sympathetic while others called me heartless for preferring a dying pet over a living human.

I’m very conflicted over this whole situation and although I feel like I’m doing what’s right and my request isn’t unreasonable I’m afraid I might be wrong.

WOMAN CAUGHT HUSBAND WATCHING SON-DAUGHTER TYPE “VIDEOS”

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I found out my husband of 6 years watching “Son-and-daughter” videos

I am 29, my husband and I have a beautiful 3 year old daughter. I recently went on his phone while he was sleeping and found weeks of these types of searches, and various videos.

I’ve asked him to buy cameras so we can put it everywhere in the house but he refuses saying there is no need.

I don’t know what to do or how to confront him about this. I slept with my daughter the past 2 nights and didn’t tell him why.

If I confront him he will 100% yell at me for going through his phone. I cannot leave as I have no where to go. What would you do if you were me? I feel trapped, scared and ashamed.

Netizens’ comments

  • Don’t let the people in these replies make you feel bad for being concerned and disgusted by what your husband jacks off to. But do talk to him about this.
  • I’ve been an escort for around 15 years. Although I don’t know his exact circumstance, I used to get a lot of guys who wanted to role play in similar scenarios. (Some ask for stepdaughter role play, some say niece role play, et cetera.) 
  • Ignore everyone else, just talk with your husband, don’t let your marriage end because of bad communication

HUGE DYING RAT SEEN ON FOOD TRAY @ TANGS MARKET, DINERS SCREAM IN HORROR

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In the heart of the bustling Tangs Plaza food court, a scene unfolded that left diners in sheer disbelief and horror.

A gigantic rat, slumped over on a food tray, was still alive but appeared to be in the throes of death. The reactions of nearby diners ranged from gasps to outright shrieks as they grappled with the unsettling sight before them.

The Unsettling Discovery

As patrons were enjoying their meals, the atmosphere took a drastic turn when the attention shifted to a particular dining table.

A huge rat, its fur matted and body languid, lay on a tray as if it had claimed the spot as its own. Despite the apparent distress of the creature, it still exhibited feeble movements, adding an eerie dimension to the already surreal scene.

Reactions of Diners

The immediate reactions from diners were a mix of shock, disgust, and disbelief. Some recoiled in horror, while others couldn’t help but vocalize their astonishment as some of them gasped and shrieked.

The food court, typically filled with the hum of conversations, fell into a momentary hush as the sight registered with everyone present.

The tray of food under the rat’s dominion told a tale of diners abruptly vacating the area. Plates and utensils were left as if in mid-use, a clear indication that the appearance of the rat had prompted a swift and collective retreat from the scene.

The Singapore Food Agency said that they are currently investigating the incident, according to Channel NewsAsia.

Netizens’ comments

  1. OMG! It looked like the rat has just been poisoned after eating the food! Where’s this place?
  2. Master Splinter needs to eat too
  3. Reminds me to never dine at Tangs food court. Omg
  4. Don’t know whether I wanna call it a side dish or main dish?
  5.  Omg! So scary. I could have been there eating halfway and it dropped on me. The Tangs people really need to have a check and clean up of that place
  6. Master Splinter displaying selflessness, we could all learn a thing from him

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