Employer is ignoring my messages regarding my pay.

Hello everyone! I need some advice on what I should do or can do; the employer ignores my messages when I ask him when I would be paid.

For context, I am a teenager, and I found this job that pays decently (direct-hire, no contract, Mon-Fri). However, after working for 1 day (Friday), I got fired 2 days later (Sunday).

The termination was very sudden and without explanation, and it all seemed like they decided to fire me after I asked questions regarding my pay.

This was after I realized that they never even asked for my bank details, address & emergency contacts. So I decided to message them about it on Sunday morning, but they never responded.

However, another person messaged me at 10 pm saying, “We won’t be continuing any work schedule for you,” and when I asked if I did anything wrong, he just said, “No, just not continuing.”

When I asked him if I would get paid, he just told me to message the same guy. But he haven’t responded to my messages.

So what should I do now?

Edit: So I called MOM, and basically, they said there was nothing they could do as I did not sign any contract with the employer or have any written agreement, even though I have the text messages confirming that I was hired.

(For anyone reading this, if you are working part time and have no written agreement with your employer, you are NOT covered by the employment act. However you can try your luck to retrieve your salary by booking an appointment at the TADM website.)

Recently, there’s been a recent influx of Delivery Pranks on us Food Delivery riders.

Since the start of January, I’ve been on the receiving end of 3 different prank orders around Sengkang, Punggol and Hougang- in which 2 of them came at a time when I had to cycle through heavy downpours during the first half of the month’s cold and rainy season.

Earlier today, I received my 3rd prank order and I had to wait for 30 minutes with 3/4 other Panda Riders at a corridor as Foodpanda’s absolutely garbage Customer Service has to sort things out. One panda rider was an amputee on his right leg on his PMA. This 3rd incident was my breaking point.

Prank orders are done when somebody provides a non-existent unit number and orders through cash.

So why is it an issue for us? One could take the food home and go. Well, first of all, for cash orders, we would have to pay the amount that we received back to Grab/Foodpanda through a digital transaction. So in this case, had we just left with the food without contacting CS to cancel the order, we would be paying for something that we don’t even want. For my unfortunate experience today, I was left with my hands clasped around a plastic bag filled with $75 worth of Unhalal food that I can’t eat.

Please la. Have some compassion. I had to spend an hour of my life going to a restaurant, waiting for food and delivering only to find out that some CB decided it’s funny to play with people’s livelihoods. I’m lucky enough to still be a student and just doing this food delivery thing as a part time job to supplement my student life, but when I see people like the aforementioned amputee having to go through great lengths and struggles to deliver food only to be greeted by this nonsense, I get mad.

Not only does this nonsense affect the riders, it definitely affects the restaurants as well because Panda/Grab won’t pay them for the meals. All because Panda/Grab receive nothing from the prank. They are the ones who suffer the most in this because of such unthoughtful and despicable ‘pranks’. Essentially, they make food for nothing.

Pros and cons of HDB and bank loan?

Hi! My bf and I are looking at purchasing a resale flat and we are deciding on the type of loan to finance the flat.

We have read up about the pros and cons of each but wanted to hear first hand experiences of current homeowners.

Pls share why u chose one type of loan over the other and any other tips to take note of when buying a resale flat for a young couple? Thank you!!!

Netizens’ comments

• Personally prefer HDB loan as there won’t be a early repayment penalty, which should be present for bank loans
• Take a HDB loan first. Once your CPF OA is fatter can take bank loan so minimal fear or defaulting on payment. Save on interest with bank loan.
• The only benefit of a HDB loan is its lower downpayment requirement as compared to a bank loan. So if you do not have enough cash/cpf (especially for the 5% cash) for Bank loan, I see that as the only rational reason for choosing hdb loan. Let’s go point by point:
  Interest rate: Bank loan is lower, hands down. For people concerned about rising interest rates, you can always fix your bank loan interest rate at 1.5% for 5 years, or the longest fixed rate available, then refinance/reprice after lock in period ends. And the re-finance price will almost certainly be lower than hdb loan rate.
  Early repayment: There are different sides on whether one should stretch their home loan as long as possible, ultimately that depends on your risk appetite (I lean towards stretching as long as possible). In any case, you can also repay your bank loan early after the lock in period for a small fee, which is lower than the additional interest you pay for hdb loan.
  Late repayment: If you are financially prudent and have been building up a safety fund, this shouldn’t concern you. Anyways the 30% MSR should have prevented you from overstretching yourself. Then again, if you are financially prudent/saavy, hdb loan should not appeal to you.
• Before deciding on which one, first, the affordability on upfront payment. Bank int rates are much lower than HDB’s. But u need to fork up much much more upfront cash, subject to the banks loan margin vis-a-vis valuation of unit n further subject to your TDSR (60%?). HDB requires much smaller upfront cash but has a higher TDSR (40%?). Google HDB for correct figures quoted here as I m simply flashing from memories. Regardless, the upfront cash difference is quite tidy sum n this is main reason y many opt for HDB loan. If this is a problem, then no choice, go for HDB loan. However, if u can afford the higher upfront from bank loans, then consider below….
  HDB interest rates are pegged to CPF rates. Whatever the CPF rates to depositors, HDB rates will be 0.1% higher. I do not see bank loans interest rates surpassing HDB’s. It just cannot happen this way. Assuming bank loan rates goes up to 3%. That means their deposit rates to customers must also rise in tandem to attract more funds. CPF will tend to offer higher int rates to incentivise not withdrawing n also to deposit more into CPF funds. When such int rates rise, HDB loans int will rise in tandem at 0.1% higher. I believe this is a deliberate policy by CPF & HDB, though not cast in stone. In short, CPF deposit n HDB loan rates will always be higher than banks. As for early partial redemption with bank loans, there should be no charge or fee, unless it’s refinancing with another bank. Even refinancing with same bank attracts a small fee as it’s recurring business. Some banks may even waive it. Even if there’s small fees, it’s worth the savings from difference in bank loan from HDB’s. For more pro advice, google n contact those refinancing officers who can give u more clarity n work through your finances n affordability with u.

We took bank loan simply because of lower interest. Everything else simply sounds categorical and unquantifiable (eg: HDB is more lenient if you miss payments) and doesn’t really matter as long as you can hit the financing requirements – 5% cash, 25% downpayments

Earning About 1000 USD Monthly and Barely Scraping By – Advice Will Be Followed

To start, I’m the sole income earner supporting my family, freelancing at about $1000 monthly. it doesn’t work. My work doesn’t pay a lot but takes forever to get done.

Family is currently unhealthy so I try to limit our purchasing to healthy foods only (which costs more). Medical bills up the wazoo.

In debt. I feel my only choice currently is to earn more, but I’m not sure what to do to get there. I’ve also heard about investing but I’m locked into a scarcity mindset.

I’ll take the best advice I can get and will update on progress or lack thereof if anyone is interested.

Netizens’ comments

• Expenses? Family size? Why are you the only income earners? Also let me just come right out – $1000/mo isn’t enough to support one person nevertheless multiple
  • Expences currently average $967/mo 1000/mo is actually great for a single person. Fam size: 2 kids 2 adults Spouse lacks ability to work. I haven’t sought aid, but what kind should I be looking for?

No one can beat my platoon mate’s Keng level

Little backstory, currently in Guards battalion with this special dude, with 250+ days left to ORD.

This dude who I shall call “Keng kia”, ever since getting posted to Guards after POP, started to see MO regularly to get ex uniform status for some eczema, whr the MO always rejects the status due to it not being severe enough.

(By the way his eczema only affected his calves and it is considerably mild, and because he is tall, his black socks are the length of his boots too so the socks doesn’t touch the eczema at all. Besides, he regularly wears skinny jeans too)

After the MO rejects his req for ex uni, he reported sick outside of camp just to see specialist and somehow he gets 3 months of ex uni.

And because we’re in guards, there is a lot of outfields between rotations, so because he doesn’t wear uniform, he can skip outfield and just stays in bunk.

OH AND SO MANY DAYS INTO NS, KENG KIA HAS YET TO SERVE A SINGLE GUARD DUTY.

There was this one time where we did a 8KM route march with heavier loads, after finishing it, Keng kia casually asks one of us “eh why u nvr sweat? U skiving ah”, that was the last straw for all of us, we were pissed off and wanted to whack him outside camp.

It pissed me off even more because I actually see oekple with full body eczema, arms and legs and neck, wearing long 4 or smart 4. This Keng kia Abit only, keep wanting to ex uni and even mock us for doing route marches or othe combat training.

Doubt got anyone trashier can beat this Keng kia. Bet certain ASA from 3 guards will know exactly who I’m talking about.