September 29, 2023


Learn Business From Experience

an effective way to fly? My foot! And Jul updates

3 min read

One other month down and I nonetheless haven’t achieved a lot.

I havent been feeling nice. Is it the macro circumstances or am I simply getting previous and cranky?


I am getting jaded at work, once more. 

Whereas work is manageable, I lack bootlicking and show-off abilities. I really feel my bosses do not fairly see the worth I am bringing. I am unsure if they’re too “sensible” to know operations and I really feel we’re on totally different frequencies. That may make it robust for me to get a superb finish yr bonus. 

Due to that I am looking out for jobs. Nonetheless, it looks as if a “incorrect” timing because of the impending recession and hiring freezes throughout the globe. I do not need to be a part of a brand new agency and be laid off like what did to their new employees.

Talking of cro, it is unfortunate to note their downwards revision to netflix and spotify rebates.

I am presently on their ruby metal member, and have been having fun with spotify rebates. Simply this month, I acquired ~100 CRO cash given the dip in worth. 

I’m nonetheless utilizing CRO card for a few of my every day bills, primarily every day transport. I used to be actually fortunate to have signed up for cro again in Sep 2021 the place I received sgd100 at no cost. Additionally, with the continual constructed up of cro rebates, CRO is one in all my greatest crypto funding on paper (sadly as a result of most are closely underwater). 

I am going to wait and see if there are anymore engaging affords dangled by to retain clients. 

Singapore Airline sucks

I’ve all the time been pleased with our nationwide airline due to their top-notch service, till I skilled their name centre/customer support workforce that made me fumed.

After years of planning and spending, I’ve lastly clocked sufficient miles for my enterprise class flights. I used to be lucky to have secured saver tickets and wished to do a stopover. To take action, I needed to name in to make my redemption, pay US$100 and the related taxes.

Nonetheless, the customer support charged me double stopover charges and it has been an arduous course of getting my a reimbursement. Every time, the brokers mentioned they’re processing my refund and to attend 6 weeks. Till 6 weeks handed and I realised I used to be not refunded. Referred to as in once more and so they mentioned they’re nonetheless processing it and can flag as pressing. No timeline was given as a result of the brokers are unable to advise as it’s dealt with by one other division.

As of now, I am left dangling, not sure after I can get my a reimbursement. Completely disenchanted with their (missing) service.

I’m additionally questioning if monkeypox will develop into a worldwide well being disaster and have an effect on my vacation plans subsequent yr 🤞 whether it is, I foresee one other headache calling in to postpone my flights 🙄

Singapore Financial savings Bond Aug 2022

Utilized for the Aug 2022 tranche given it is excessive curiosity. I utilized with $10k. As a result of excessive curiosity, I solely acquired 9k allotment. Not too shabby.

Cashing out some REITS

Unusually, my money has been depleting. I used to have $300k at my disposal, and now solely have $100k. An enormous bulk are in shares. Not too long ago, I have been attempting to money out some REITS little by little for some slight positive factors, hoping to enter once more at a cheaper price.



No transaction performed in Jul.

  • Jan: $3,060
  • Feb: $3,060 
  • Mar: $3,060
  • Apr: $2,000
  • Might: $2,000

Outcomes: -8.34%

CPF OA funding

Made 1 transaction in Jul

Every transaction has charges of $2.68.

Quantity pumped: $23,180.95

Outcomes: -0.79%

General for Endowus: -4.48%

Internet value

Standing at $678k in comparison with ~$650k final month as shares and crypto rose barely.

With that, I finish my Jul updates. Hopefully, there will be excellent news in Aug.

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