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Showing posts from July, 2018

Extremely bad start with UOB One

With the influx of posts on social media re UOB One (psst on grabpay) and the receipt of my house keys, I decided it was the time to sign up for a UOB One account plus credit card.

It was gonna be the best tool for household joint expenses and joint savings.

However, I've faced multiple hiccups that made me VERY frustrated....WHY ME?!
1. Delayed approving process led to losing out of sign up bonus
First, I signed up for the UOB One card and Account in early Oct through Singsaver's promotion. The promotion said that I'd get to enjoy cash incentive for registration + UOB's promotion of $80 cash credit with min $1k spent within 30 days of card approval. Mind you, these terms were stated to end on 31 Oct, extracted below:

S$80 Cash Credit for UOB One Account: Limited to the first 500 new to UOB Deposits customers who either (i) deposit and maintain $5,000 or (ii) credit their salary, into their new UOB account for 6 consecutive months. Terms and conditions of the UOB Online …

July updates - CIMB 1.8% Fixed Deposit, $7k for CPF SA, stocks transactions and saying goodbye to my 1st job

Aloha. 
Some updates on what's going on with my life.... A. I accepted the job offer Ever since I received the job offer, I've been feeling jittery. I kept playing the angel and devil's advocate and in the end, decided to take up the offer. I still worry about the instability in the new place, but at worst, I'll just find another job if I can't survive there. The new salary, although not a lot, is also better than if I stay put. I figured I might only get this salary 2 years later. So, hopefully, things pan out well....
B. Transferred $7k to my CPF SA Next, I've transferred $7,000 cash to my own CPF SA. This is the 3rd time I'm doing so. You can read more about it here and here. I probably should have transferred the amount in Jan, instead of waiting till now...but well, better late than never. 
My CPF SA now stands at $46,000. 
C. Parking $40k with CIMB F.D at 1.8% and 1.6% Also, good lobang must share! I've done some housekeeping with my money and re…

An offer came...and I'm undecided

2 months ago, I shared that I've thought about leaving my first job. 2 months later, I received an offer and I'm torn.

I'm a practical person. At the end of it, a job is just for me to survive - I need a monthly stream of income to build a home, build a family, feed myself and my family, and to save enough for retirement.

So when the offer came, theoretically I should without a doubt accept it, since there was a pay increase. The pay increase isn't a lot though, but it would still be one two hundred more than what I'll get next year. But I asked for some time to decide.

The new place would be extremely challenging. The team is practically new because of high turnover. They are still busy filling vacancies. To think positively, a new team might mean everyone starts afresh (or starts equally blur); but there must be something wrong within to cause high attrition. Even the bosses are new. The people there also don't seem friendly either.

Next, I usually don't …

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