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DBS/POSB Credit Overseas Transaction Fees

Link. Last month I bought some games at Steam, the site shows total amount S$23.09, it is already in SGD. Then after that I noticed my credit was charged S$23.32, an extra S$0.23 which is about 1% more, not a big deal but curious so I checked with Steam support, they confirmed they only charged as per what I saw on their site which was S$23.09 and they advised me to check with my bank. So after checking with DBS, they told me Steam is an international site so the transaction used Dynamic Currency Conversion (DCC) and they gave me the link and indeed it shows a 1% fee for credit card. " 1% fee on the converted Singapore Dollar Amount using a VISA/MasterCard Credit Card for foreign currency transactions." For transactions at Amazon or any other international sites can understand, I choose to pay in USD or other currency, I have to pay some fee, it's fine, because I understand DBS need to convert the foreign currency to charge me in SGD so it's service rende
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China Man Got Let Go

Today my boss suddenly asked me to speak in a private room, then told me the top management decided to let the guy go, I was quite surprised because it was so fast, only yesterday he asked for my opinion then today fire the guy, but nevertheless with his kind of standard it's just a matter of sooner or later. Now I feel a bit bad, maybe I should have just kept quiet but then I don't think it's just because what I told boss, his conduct all can see, even customers not quite happy with him. Then boss shared with me what they plan to do, one approach is for me to take over that guy's duties but at a higher level and he will get people to help me, naturally I declined because it's above my pay grade, that guy is manager level and I'm an analyst, doesn't make any sense for me to do more and not get paid more. Anyway for the sake of the big picture, that guy's duties even if I take over doesn't mean it will go smoothly because the scope is not small, ne
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Received Confirmation Letter

End of this month I would have completed 3 months in my new job, I have also received my confirmation letter so starting from next month I will probably be able to take leave and MC, but no plan for leave, MC I don't bother unless really sick until cannot walk. Anyway these 3 months I never take any leave, only that one day when I had sudden abdominal pain but good thing my boss cover for me so no need to take any leave. So until now, still same, people all very nice even customers all very friendly and approachable, recently I even received a compliment from the customer, a bit strange for me because in my last job I don't get any compliment no matter how well I do, or how proactive, at most get a "thanks" and that's it, it's like do well is expected, don't do well is your fault, and there was hardly any team work, have the feeling of every man for himself, boss suck, colleagues, customers suck, environment suck. But whatever, it's over, super
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Got a Refund for My Amazon Order

Early on I bought a new PC from Amazon, I think it is stated somewhere that if the amount that they collected for import tax is not fully utilised, they will refund to me,and indeed they did. So Amazon emailed me to update that they will refund $2.22, because Amazon pricing is in USD so it is $2.22 USD, not bad, feels like some sort of rebate lol.
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China Woman Raised Ass and Long Farted

Today me, wife and baby went to the BBQ restaurant at Clementi Mall, a table next to us was a China couple, the woman was well-dressed, put on makeup and all, and her ass happened to be facing us. So while we were eating, I heard a pooooo sound, lasted for at least 3 seconds, then I realised it's the China woman because her right ass was raised, basically she raised her ass and farted and then act blur. My wife also heard the fart. How did this disgusting piece of shit get into SG, go restaurant and then just fart like nobody business, lucky we were about done if not really no appetite to continue.
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Popular posts from this blog

Long-Term Visit Pass - Plus (LTVP-PLUS)

http://www.ica.gov.sg/news_details.aspx?nid=12665 Good news for those of us who cannot get PR for our beloved spouse, because the Singapore government has come up with a enhanced long-term visit pass called LTVP-PLUS or LTVP+. I'll sum up the key points in the FAQ provided by ICA so you don't have to go through one big page. Do let me know if I missed out anything or correction is required by dropping a comment. GENERAL LTVP+ will be in effect from 01 Apr 2012. LTVP+ holders will enjoy extended duration of residency, public healthcare subsidies and easier access to employment. No separate application required for LTVP+; an application for LTVP will automatically include your spouse for LTVP+, if eligible. LTVP applications submitted from 01 Feb 2012 will automatically be considered for LTVP+. The first approved LTVP+ will grant 3 years residency and subsequent renewal will be 5 years. Current holders of LTVP will be considered for LTVP+ on next renewal. If holde
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How to Marry a Thai in Singapore

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You should refer to here -  https://www.rom.gov.sg/reg_info/rom_marriage.asp Please spend some time to go through and understand the information on that section (legal provision, other information, filing of notice, solemnization and etc), if your still not sure, feel free to drop a comment here or you can use their FAQ . The ROM website did a really good job of putting together the information that you need in a well-organized manner. I've done it once and I think the guide is very easy to follow. The only hiccup I've had with my marriage is during the  Appointment for verification & Statutory Declaration where both of us were required to read out a wall of text and my wife had difficulty getting past the first few lines and the counter guy got fed up and told my wife to stop. Definitely my oversight as I didn't arrange for an interpreter beforehand but luckily, there was a licensed interpreter at the scene and we managed to get her to do the interpretation fo
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Commission Calculator for DBS Vickers SG Stocks

Made this little tool to help me calculate the costs of buying or selling a stock, just enter number of shares and price and it will show both buy and sell costs at the same time. Can even choose by cash upfront, online or phone and it will calculate using respective rates. Cash Upfront ONLINE By Phone Shares: Price: Value: Commission: Clearing Fee:
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