Hello, need some help with investing. I heard it’s better to invest $X amount consistently rather than time the market but I don’t know what to buy and is testing out. I have tried:

1. Endowus – 3 different aggressive portfolios. Drop from $6k to $5 after 1 year (portfolio did not even improve at all even when ETF were booming) any success story for Endowus? I feel like giving up on this platform since it’s just a straight decline since the day I bought it.

2. UOB simple invest with $1k – drop to $960 after 6 months. Does not seem to be improving but it’s a lot better than Endowus.

3. SG ETF – bought bank stocks but the growth is very slow, 2-4% is barely enough to cover inflation. worse still, now all in red as markets fall. Maybe it’s time to buy but all my moolah is stuck.

I heard young people should be more aggressive when we invest since we have time – but I don’t know what to buy and what to do…

How to buy a house and retire in SG when it’s so hard to grow money? Any tip is appreciated, thank you!

Here are what netizens think:

• Buy 4D and ToTo.

• Buy fix amount every month. Only assess profit after 7 years. In between if lose money also close eye and buy.

• You entered at the wrong time of the market. Right now stocks are tanking because of the interest rate hikes and growth scares because of high inflation and possible slowing demand on goods and services. As a young person, you should first try to improve your skills and focus on increasing your active income. Then you’ll can accumulate more money to invest.

• Try not to buy bank unit trust or managed funds. They deduct up to 10% of your funds to pay to fund managers.

Office aunties can’t stop pestering me after finding out I use a dating app

I’ve started using dating apps recently and my colleagues in office have caught wind about it. I didn’t really cared until they started being busybody and those ladies in their 40s were telling me I should give people a chance and be not so quick to judge and the most important is that the guy treats me well (but it’s literally an app?).

I’ll admit, I am rather picky and I immediately swipe left on guys I don’t find attractive. I won’t read their bio or whatever because if I don’t find you attractive, no matter how fantastic the bio, I can’t change that I don’t feel attracted to you?

I don’t disagree that it’s important for the guy to treat you well but if the guy is not attractive in my eyes, no matter how well he treats me, I will probably not have any romantic interests towards him.

Looks do matter to me for some extent and for it to work, I must find him attractive, even if he is the ugliest guy to everyone else.

Seems like the people in my office don’t seem to understand that I am perfectly content staying single and not desperate to get attached.

I earn my own keep, buy the things I like and I actually enjoy having my own free time. I am okay to have or not to have kids, my life goal is not to be a mum, it’s to just be happy, alone or with a partner.

Don’t know why everyone is so ready to give me advice and I feel like telling them to just stfu honestly. You can lower your standards, but that doesn’t mean I have to lower mine?

I don’t think there is any shame in a woman staying single as long as I am happy. After all, I rather be in a relationship that makes me happy than one that doesn’t?

Is there a way for me to politely tell these office aunties to just mind their own business? I’m already dreading going to office.

Hi everyone, I’m looking for some advise more than anything.

Is Geylang a good neighbourhood to stay in as a tourist?

Hello all i’m a future tourist. I am currently picking the area to stay and Geylang sounds cool. Would you recommend this area for a budget 20 year-old tourist, is it safe at night? tips for Geylang 🙂

Netizens’ comments

• Unless you’re on a really really tight budget, avoid hotels in the Geylang area that are named after flowers, scents, and numbers.
  • (OP) Thank you, noted 🙂
• Singapore is relatively safe however Geylang is generally the seedier area. Nothing should happen if you remain alert like you would in any big city.
  That’s said, it’s actually pretty far from all the tourist stuff and generally a little bit more difficult to travel around. You should be able to get accommodations (hostels) nearer to town that are only slightly more expensive.
  • (OP) Thank you la, I choose Geylang so I try experience more authentic Singapore and try see what life in SG is like.
    • I would not say that Geylang is an authentic representation of Singapore. There are many non-Singaporeans living there at the moment (you might find mostly foreign workers from Mainland China, Bangladesh and India around).
    • It slightly annoys me a bit when I hear (Western) people saying that they think Geylang is the authentic Singapore (yes heard this from European friends as well) because it seems that there exists still an archaic perception of Asia as being less developed than the West so these areas that are exhibiting less progressive characteristics in accordance to Eurocentric worldviews are then considered “authentically Asia”.
• If you are a backpacker, you might find more activities / culture in Bugis, Chinatown, Clarke Quay area. There are hostels and bars scattered in these areas too.

This is follow up on the wedding banquet post a few days ago.

TBH I don’t think she will want to foot the bill and we don’t want her to foot the bill too. She will definitely bring it up for the rest of our lives.

Currently my MIL seems to think I am a gold digger when we requested for Guo Da Li with 4 Dian Jin and Pin Jin, along with chinese wedding cakes and coconut whatnots. I don’t know if I’m overthinking it as she mentioned this at least 4 times within 6 hours that she didn’t have these jewelry when she got married and seems to be hinting that I shouldn’t be asking as well.

She didn’t look very invested during the shopping trip and kept using her phone. On my part I’m also partially at fault since I can’t keep a conversation going with her – i find it very hard since she’s not a straightforward person, there is always a hidden objective when she talks about any topic just like how she tries to push all convo to banquet…or how she thinks I’m not pushing myself enough at work when I don’t work weekends / how I didn’t force my fiancé to live a healthy lifestyle / make my fiancé do things she wanted etc.

We kept the jewellery budget to under $5k as per her budget, but it really didn’t feel like a happy affair. Felt like she was forced to buy me an expensive gift and hence she’s expecting us to fulfil the banquet as per her wishes.

Is it normal to have these kind of awkward situations during Chinese weddings? I can’t ask my fiancé to clarify all these with her as they don’t have a very good relationship and it’s most likely going to explode into something very unhappy if he knows about it.

How do you deal with MIL

i (20m) just lost all respect for my dad (50 something) last night.

essentially, he went to sleep a little earlier that night, and i stayed up until 1. he has a bad sleeping issue and gets up randomly at night.

at around 12:30ish i got up, used the bathroom, and grabbed some water, and i tried to do it as quietly as possible (which isn’t easy because he sleeps with the door open, and the tiles and doors he installed creak like crazy), but he somehow woke up and blamed me for it.

he couldn’t sleep for another two hours, so around 2:49 he came into my room, blasted some random music, messed with my alarm clock, and turned on my lights.

this all startled me, and when i asked him what was wrong, he started blabbering like a child “you were walking around making footsteps going in and out of the bathroom at exactly 12:47,”

and because i “ruined” his sleep, he wasn’t going to let me sleep all night.

i told him that it was to USE THE BATHROOM and GET WATER because I WAS THIRSTY and he still continued to blabber like a child about how i ruined his sleep.

i got furious because he was refusing to leave my room so i got up and stood in front him, but he registered this as me “staring him down and threatening him” so he socked me right in the jaw (after my wisdom teeth removal btw), knocked me on the ground, beat me and pressed his elbow on my neck.

i’m a really skinny guy (and it’s an insecurity for me), and he was much heavier and bigger than me, so i had to sputter and ask him to calm down.

when he finally got off, he proceeded to put me down about if I was actually strong, i’d be able to get him off of me but i’m weak and underneath him.

he said a bunch of other stuff about me but i don’t want to make this too long. the thing is, i coulda probably beat him, but i chose to step up and be the bigger man and decided not to.

i just retreated to my room, stayed up until 6 am unable to sleep because of all the things that he did and said.

i woke up a few hours with skin peeled off my arm, and pain on my neck and foot. my heads throbbing and i couldn’t go back to sleep because of it all.

There’s an official job description, expectations and benefits for my role available online in my company. What I’m getting paid is lower than the lowest bracket posted online.

Neighbour removed locked bicycle from common bicycle stand to park his own bicycle

He lifted the locked bicycle from the bicycle parking slot — lock intact — and chucked it to the side. He then parked his own bicycle into the now empty slot and locked it there.

Tried having an open conversation with him but he tried to gaslight me and added that “it’s where his bicycle has always been parked”

He did it again. What can I do?

Netizens’ comments

• Choose another spot then. If he still does it again, means he is looking for trouble. Take pictures or videos as evidence also
• Get someone else to do the same as him and give the same reason just to see what’s his next excuse
• got camera there? make police report if have 😀
  • Is this ok for a police report? My bicycle is quite expensive too, but is this “too small” for a police report
    • Honestly if it’s expensive, don’t park it outside.
• You see a neighbor pulling that shit and you still wanna park a self admittedly expensive bike out in the open.

Goodness. I am so frustrated. I’ve been applying and interviewing for different jobs internally and externally. Most recently I applied for a job through my current employer 2 months ago.

Had my final interview over a month ago. Just received an offer this morning. Honestly, I’m having so much anxiety and have shed some tears. Basically, my first interview was with the recruiter and I told her my salary requirements. So when she called me back with the offer it was $14k less than what we discussed.

Additionally, the bonus structure was up to 15%. They are restructuring their bonuses which are now set to a max of a certain dollar amount which is significantly less than the original 15%.

I am feeling absolutely lowballed.

The recruiter told me to think about it and let her know by tomorrow as the backup candidate has a pending offer. I’m not feeling good at all. I had to wait over a month for an offer and they give me a day to think about it just in case I decline and so they can make the offer to the backup??

I emailed her after thinking about it for a couple of hours and restated my salary requirements but haven’t heard back. Not sure what I’m looking to get out of this and I’m rambling. I guess I’m in shock I was blindsided by a crap offer.

Later on, I attempted to negotiate and they weren’t willing to budge. I declined the offer. This was something that was supposed to be exciting but instead, I felt horrible about it.

The recruiter said the employer is known for destroying people who reject job offers and said they will put out my name in the market as a very negative person.

However, I feel good about my decision. So onwards and upwards! Thank you all for the feedback!!!