u/Adventurous_Scar_319

Hi everyone, I could really use some career guidance because I'm feeling quite lost.

I'm currently working in name screening at a private bank. I'm completing my part-time diploma this year and am planning to pursue a part-time degree, but I'm unsure which path would be more beneficial for my career.

I'm deciding between:

Banking & Finance

Business Analytics

My dilemma is this:

Banking & Finance: It seems like the obvious choice since it's relevant to my current industry. However, I feel it mainly strengthens my qualifications for the role I'm already in, rather than helping me move into a different team or stand out for internal opportunities.

Business Analytics: My long-term goal is to progress along the financial crime/compliance path (Name Screening → KYC/AML → Compliance). I feel analytics could give me transferable skills in data analysis, process improvement, and decision-making that may be useful in these roles.

Another option I'm considering is skipping the degree for now and focusing on professional certifications like ACAMS instead.

I also spoke to someone from the Periodic Review team, and they mentioned that they mainly hire people with relevant experience. That made me wonder if a degree alone would actually help me make the move.

For those working in AML, KYC, compliance, or financial crime:

Which degree would you recommend?

Would Business Analytics or Banking & Finance be more valuable in the long run?

Or would professional certifications like ACAMS provide a better return on investment?

I feel quite stuck at the moment and would really appreciate any advice. Thanks in advance!

Hi everyone, I could really use some career guidance because I'm feeling quite lost.

I'm currently working in name screening at a private bank. I'm completing my part-time diploma this year and am planning to pursue a part-time degree, but I'm unsure which path would be more beneficial for my career.

I'm deciding between:

- Banking & Finance

- Business Analytics

My dilemma is this:

Banking & Finance: It seems like the obvious choice since it's relevant to my current industry. However, I feel it mainly strengthens my qualifications for the role I'm already in, rather than helping me move into a different team or stand out for internal opportunities.

Business Analytics: My long-term goal is to progress along the financial crime/compliance path (Name Screening → KYC/AML → Compliance). I feel analytics could give me transferable skills in data analysis, process improvement, and decision-making that may be useful in these roles.

Another option I'm considering is skipping the degree for now and focusing on professional certifications like ACAMS instead.

I also spoke to someone from the Periodic Review team, and they mentioned that they mainly hire people with relevant experience. That made me wonder if a degree alone would actually help me make the move.

For those working in AML, KYC, compliance, or financial crime:

- Which degree would you recommend?

- Would Business Analytics or Banking & Finance be more valuable in the long run?

- Or would professional certifications like ACAMS provide a better return on investment?

I feel quite stuck at the moment and would really appreciate any advice. Thanks in advance!

Posting this hoping no ones else need to be a KAREN, and isn't this ur largest shop, I expect better from you

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Make a 30 - 40 mins trip to get my wheels centre but instead left w a stomach full of anger

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Ran a curb otw in due to misjudgement, i thought there was a slope but nope curb

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N of course w a crash landing on crub my quick release came loose

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Fast forward to meet the first technician, who I will refer to as Uncle for simplicity

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Take a quick glance, close my quick release, done

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I look at him in the eyes, after my 5 min long story about why the rear wheel is not centre, he just say neh quick release loose nia

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N agrue w me without taking a closer look

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Reluctantly he take a 2nd glance n say oh brakes abit loose lah, can tighten

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Uncle I didnt come for loose brakes, i came because of misaligment

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Yet another 5 10 mins push pull battle w him, he say nm I will bring it back for closer inspection

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Idk what he did inside as it was blocked, came out n make this comment

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Since u already not confident w ur bike already, I will change ur tire n show u

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Did it, push my bike out, i haven't take a look, n ask really settle uncle?

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He just give me whatever, I ask my manager come, which happen to be behind

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Nice, he came understand the situation, n say okay we get another technician to check but he is on break

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Sure i will wait, I think a good 10 15 mins but nm I wait

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I been here for the idk 30 mins? What's another wait gonna do

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2nd technician came n check the bike infront of me, make some adjustments n tightened some screws

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FINALLY WE ARE DONE, OR SO I THOUGHT

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Oh here i requested to change my handle grips cause it was chew out by my parrot. RECOMMENDED by the technician and ur manager out of goodwill say, waived it, thanks

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FINALLY WE ARE OUT OF THE STORE, walk towards the door, oh heavy rain, n I left my helmet behind

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U-turn back in, i was tired so I decided to paddle in, GUSSS WHAT

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The handle brakes is not balanced, one overly tight n the other overly loose, I saw manager guy ard the bike area n say eh boss this one buay balance eh

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He probably tired of me already, cause I told him, come have a feel but he was like nm n got Technician 2 to come fix it

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He came, just squeeze, he already knew what's wrong

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Maybe I am expecting to much when he was checking the bike

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Fyi on my ride here my handles brakes were perfectly fine on the ride here

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Fixed, manger guy ask me anything else, I told him i need a rain coat or some shit

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And that triggered him, cause qoute n unqoute: we have rain coat here but not some shit

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Got my raincoat n left, oh guess what again

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Rmb the handle grips? Rmb I cycle here 30 40 mins w a chewed up handle grips, and our technician recommended + manager waive replacement handle grip

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Well otw back this handle grip sucks, n hurt my hands way more than the chewed out handle grip

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End of story, conclusion, surprised I didn't use much proficienesly today,

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Negative words use today : Uncle, Karen, Shit

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N shit was enough to trigger ur manager, when I have to stand there n battle out ur staff for close to 2 hours to get my bike sorted out

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I counted 2 times which I thought I am finally done w communicating n getting my bike fixed but NO

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Why did i cycle 30 40 mins to ur main store, because I trusted u, my first issue which was handle flawlessly by another staff member

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The last time I came, I just told ur staff the seat kept dropping, ur guy identify oh seat latch loose n change it for me promptly, n even let me leave my light to charged here for a little while

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This is the level of service u are capable of, dont drop it within a month

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Apologies to the 2 kids who have to see jiejie flared out, i have my pet birdie w me, and since I thought okay getting fixed can chill, this 2 kiddos want to carry, pat them sure,

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BUT ur staff have to come n ruined the mood twice w the dismissive service

This might be the most random post here but here goes, sooooo I went on my first long ride today using a sharebike, and i think I want to get my own bike

Been clocking 6km rides (3/week) for the last 2 months

And i did my first 46km ride, did a 1.5 loop (cause it was so funnnn)

from punggol park to punggol pcn route 😝

Can i get some route recommendations? Where is fun to cycle n somewhat beginner friendly? I did cbd to stadium once n got lost so I didn't went to ecp 😆 do u guys use Google maps for directions?

Bike recommendations maybe something below 500?

Random af, but any group want to adopt me hahah, I think Sundays, or weekday lunch ride is on for me

Stats about me 155, 90kg. So i probably nerd something durable for my weight 💀 Another random qns, is there a specific type of shoe to use for cycling? I did w a regular running shoes once n its so hottt, yea I cycle w slippers today 😂

We listen n we don't judge k, hahahaah

Tks for reading

Hi all, looking for some advice on my mum’s situation as I’m a bit stuck on what options are realistic.

Background:

54F, owner-occupier of a 4-room HDB

Valuation: ~$480k

Outstanding mortgage: ~$110k

CPF used + accrued interest: ~$90k

HFE loan eligibility: ~$40k

Monthly income: ~$2.3k

Rental income: ~$1.3k

Monthly mortgage: ~$1k (so rent currently covers mortgage)

Household:

2 of her siblings are staying with us

Including tenants, there are 6 people in the flat total

Main concerns:

The lease is under 60 years left, so I understand resale value and options may be limited in future

Lease Buyback Scheme doesn’t seem viable due to her age and remaining lease

Very low retirement savings (<$1k cash savings, mostly CPF tied to housing)

Right now the rental income helps sustain the mortgage, but honestly we know rental is not gonna be a long term situation

My question: What realistic options do we have to help her retire safely while dealing with a decaying lease property?

What I’m considering: I initially thought of switching to a newer 4 room to preserve rental income potential, but it seems financially quite stretched given her income and CPF situation.