k_short_term_mem_challenge

— for office lock-out: Access card must be on me at_all_times, even for shower.
Most tricky periods are Fri evening to Sunday. Consider leaving the access card outside glass door, provided my seat is close to the door

Prefer pants with a belt-holder loop.

invest in crocodile-style clip.

Shower?

==== for home lock-out:
I have locked myself out repeatedly

1. once in 31A Hillside .. had to prove to new roommate who I was
2. once in 43Rockledge .. had to call Guang
3. once before taking a SG vacation
4. once on 11 Feb 2019 early morning in a hurry to catch a 6.42 train

— leave spare home key in _some_ office furniture

• choice P: personal drawers
• .. Intruders are less likely to target personal drawers, given security cameras
• choice O: obscure cabinet
• .. If picked up, those unidentified keys are less easily associated with your home

A practical time-saving tip…

• 围脖
• short-sleeve shirts

k_passwd

— Scheme 4 ..
A:=a
B:=b+a
C:=c+b
D:=d+c
E:=e+d
F:=f+e

— Scheme 3 .. Now introduce 6 new derived variables:

A:=a+1 %10
B:=b+2 %10
C:=c+3 %10
D:=d+4 %10
E:=e+5 %10
F:=f+6 %10
This Scheme 3 doesn’t give a perfect distribution, but better than Scheme 1. Too hard!

— Scheme1 is simply abcdef. Widely used and proven.
Background: 4 basic tones translate to 1/2/3/4. If a tone is “soft” then 0. Now find a 6-character phrase. Write down the tone for each and represent them using 6 variables a b c d e f.
— Scheme2 is 2a/2b/2c/2d/2e/2f — simple but not better than Scheme1

 
Open account with …$0 — should be fine.

On 12/5 for example, citibank S’pore buys USD at 1.2904 and sells USD at 1.3164 — exactly 2% bid/ask spread.

You can transfer fund between your SGD acct and USD acct inside citibank S’pore, and withdraw SGD easily. The FX rate is probably similar to the above. They make everything else cheap but they make money when you convert.

You can park your USD in Citibank S’pore USD account. To move fund in
* you can deposit a bank draft FOC
* you can deposit a personal check at a clearance cost of minimum S$10
* you can deposit greenback but need to provide evidence of source of the money. There’s also a processing fee of 0.5% with a minimum of S$10

— FSM spread is less than 1%, but no interest.
You can transfer USD from FSM to another bank

3 Oct 2011 Bid USD 1.00 = SGD 1.306300; Offer USD 1.00 = SGD 1.317297

Elyn: for payment method, you may click into the link below:
Elyn: http://www.fundsupermart.com/main/faq/faq.svdo?id=2409
Elyn: for USD cash account, you may click into the link below:
Elyn: http://www.fundsupermart.com/main/faq/faq.svdo?id=9021
To pay by Cheque, issue the cheque to iFAST Financial-Client Trust Account
Elyn: Do indicate your name, phone number and your purchase order number at the back of the cheque. Please do not send post-dated cheques.

Elyn: after you place the deposit order for USD cash account, then you may send us the cheque
Elyn: Please mail the cheque to:
Elyn: iFAST Financial Pte Ltd
Elyn: (Fundsupermart.com)
Elyn: 10 Collyer Quay #26-01
Elyn: Ocean Financial Centre Building
Elyn: Singapore 049315.

You can search how to print it. You will find https://ceac.state.gov/genniv/

You will need

Application ID =AA001NEGFB
ANSWER to question — 'BINBIN'