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MUSHI C H A IW A N MU SHI _ P O R T FO L IO. pdf


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PERSONAL name Cheryl Chai Xin Yu bir t hd ay 07 07 1994 nat iona lit y Singaporean l angu ages English Chinese

CO N TA CT mobi le emai l

96157277 cherylchaixy@gmail.com

L I N K S https://sg.linkedin.com/in/cherylchai http://pocketfullofchai.tumblr.com


PROFILE

E D U C AT I O N

A highly motivated Junior Architectural Designer with strong interests in design and photography. She is an inquisitive individual that possesses a high level of independence and sense of personal responsibility. With a positive mindset, Cheryl has a strong desire to expand current skillset in a fast-paced working environment. A forward-looking individual with exceptional teamwork and capability.

2017

MASTERS IN ARCHITECTURE SINGAPORE UNIVERSITY OF TECHNOLOGY AND DESIGN

2016

BA(HONS) ARCHITECTURE SINGAPORE UNIVERSITY OF TECHNOLOGY AND DESIGN GPA: 4.340

2016

ARCHITECTURE EXCHANGE PROGRAM ETH ZURICH One week trip to Zurich for an industrial shelter project which resides in Oerlikon.

2014

ASIAN LEADERSHIP PROGRAM ZHEJIANG UNIVERSITY Selected to attend an exchange program in Hangzhou, China for 3 months.

2012

A LEVELS MERIDIAN JUNIOR COLLEGE

EXPERIENCE 2018

2016

2015

2014

2013

ARCHITECTURAL DESIGNER COMMONWERKZ STUDIO Involved in the design development of several projects including commercial and mixed used developments in an international setting. Assisted in comprehensive planning and visualisation of developments and spaces. Developed and designed slides, posters and banners for various company events. ARCHITECTURE INTERN SURBANA JURONG PRIVATE LIMITED Worked on several bidding projects with other architects, consultants, engineers and contractors. Utilised Autocad and SketchUp across several residential and mixed used projects. UNIVERSAL DESIGN INTERN BUILDING & CONSTRUCTION AUTHORITY (BCA) Carried out audits on buildings located within the Central Business District area to inspect the barrier free accessibility facilities. Collated information to add to the List of Accessible Buildings published. L A N D S C A PE A RC HI T E C T U R E I N T ER N ZHEJIANG HOKEN ARCHITECTURE INSTITUTE Collaborated with a team of five people to produce a proposal using Adobe Photoshop, AutoCAD and Adobe InDesign for a landscape architecture bid against other companies to build a new town. P HOTO G R A P H E R MERIDIAN HOMES ARCHITECTS Collated photographs of various existing buildings in Singapore which was submitted to the supervisor for further analytical and research purposes.

INTERESTS Design, Typography, Photography, Illustration, Music, Dance, Travel, Reading, Translation

AWA R D S 2016

ASD CORE DESIGN CERTIFICATE OF MERIT SINGAPORE UNIVERSITY OF TECHNOLOGY AND DESIGN

C O - C U R R I C U LA R A C T I V I T I E S 2016

REFUGE CATHOLIC SOCIETY TREASURER

2016

SUTD DANCE DERIVATIVEZ MEMBER

2015

SUTD ULTIMATE FRISBEE MEMBER

2011

ROYAL ACADEMY OF DANCE GRADE 8 BALLET

2009

ROYAL SCHOOLS OF MUSIC GRADE 6 PIANO

SKILLS Adobe Photoshop Adobe Illustrator Adobe InDesign Rhinoceros SketchUp Microsoft Office Audodesk AutoCAD Vray Python


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01 01

adulting bookle t DESCRIPTION.txt

This project was done on commision for Advisor’s Alliance (AA).

This booklet aims to provide the necessary information that millenials and fresh graduates need to plan for their future. Some of the topics include income tax, student loans and investments. A colourful palette was chosen to draw the reader in and keep them interested while reading about these dry topics. Many icons and pictures were used to aid in the explanation of the various points. The layout was done in a simple and clear cut manner to allow for ease of understanding and clarity while browsing the booklet.


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LIFE PLANS.TXT

H D B B T O P O R TA L

Do not save what is lef t af ter spending but spend what is lef t af ter saving.

STEP 3

submi t your B TO application!

STEP 6

A downpayment as well as 1-3% legal fees and stamp fees are payable at this stage.

O N E W E E K A P P L I C AT I O N P E R I O D !

glossary

STEP 4 Terms

application results When the application period ends, your queue position will be balloted. The application result will be sent to you via email or post. You can also check the status of it online.

YOU’VE GOT MAIL!

No payment is required at this stage.

STEP 5

- WA R R E N B U F F E T 10

signing Agreement Sign the agreement for lease and submit a letter of offer if you are taking a housing loan from the banks.

selecting flat and Pay option Fee You will be invited to book a flat based on your balloted queue number. Do check flat availability before booking. If you are lucky enough to get the flat of choice, you can proceed to pay the option fee.

Details

Option Fee

• • •

Payable when you book your flat Amount based on the flat type booked Option fee forms part of your downpayment

Downpayment

• •

Payable when you sign the Agreement for Lease Amount depends on whether you are taking a loan and differs with the type of loan taken

Stamp Duty

• •

Stamp duty is a tax on documents relating to the purchase or lease of a property It is payable within 14 days after the date of the document (e.g. Sale & Purchase Agreement, Tenancy Agreement) for documents signed in Singapore

Stamp Duty and Legal Fees (Lease)

When you sign the Agreement for Lease, you need to pay for the stamp duty on the Agreement for Lease, conveyancing fee(s) and the caveat registration fee

Stamp duty and legal fees (key collection)

• •

When you collect the keys, a survey fee is payable You may also need to pay registration and stamp duty on the Deed of Assignment

Home Protection Scheme (HPS)

• •

HPS is a mortgage-reducing insurance scheme by the CPF Board Need to be insured under HPS to be able to use CPF Ordinary Account (OA) to pay your monthly instalments

If you plan to take a loan from HDB, it is necessary to take a fire insurance policy from Etiqa Insurance (appointed by HDB)

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YOUR future home THE ULTIMATE HOUSING GUIDE

If you haven’t found i t ye t, keep looking. Don’t se ttle. As wi th all matters of the heart, you’ll know when you find i t.

your SAVINGS Which savings account to choose? which credi t card to choose?

con tents page

your investment which iNVESTMENT STRATEGY is be tter FOR YOU? which CPF STRATEGy is sui table FOR YOU? your INSURANCE WHich insurance policy is sui table for you? your career how to ace your INTERVIEWS 101 yOur loans The School LOAN REPAYMENT STRATEGy INCOME TAX which INCOME TAX PLANNING STRATEGIES can yoU take?

- STEVE JOBS 6

7

how to plan ?? your cashflow what must I do to ge t the most out of my savings?

WHICH SAVINGS ACCOUNT to CHOOSE?

D E SI R E T O G R OW YOU R W E A LT H

1

more interest

PA S SI V E I N C OM E

There are so many banks to choose from which should I choose?

The funds in your OA can be set aside as an emergency fund while earning the 2.5% interest. In the event of unfortunate events such as retrenchment, this money can save you from losing your house.

Pay your mortgage in cash

SA VINGS

3

I N SU R A N C E PLANS

OW N BU SI N E S S

STOCKS, B ONDS

TA X E S

REITS

EXPENSES insurance in ves tmen t

R E A L E S TAT E

L OA N S

R OYA LT I E S

-

= EXPENSES

24

savings

25

cash top up if you have yet to hit the Full Retirement Sum in your SA and prefer not to transfer money from your OA, you can choose to make a voluntary cash top-up. Earning a 4% interest rate, the returns are higher than putting your money in an ordinary savings account. However, do note that the money can only be withdrawn from age 55. You are also entitled to a tax relief equivalent to your top-up amount, up to $7,000 per calendar year.

WHEN YOU INVEST YOU ARE BUYING A DAY THAT YOU DON’T HAVE TO WORK.

pro tip!

Annual Top Up over 10 Years $100,000 $90,000

$25,549

$20,406

$70,000

$70,000

Toppi ng Up i n Jan

Toppi ng Up i n De c

$80,000 $7 0,000 $60,000 $50,000 $40,000 $30,000

0

legend Top up year $7000/year for 10 years

$20,000 $10,000

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Interest earned over 10 years

- AYA L A R AYA 35

i t does not matter how slowly you go as long as you do not stop.

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U N I V E R S I T Y G R A D UAT E ’ S

ADULTING S TA R T E R PA C K

- CONFUCIUS 42

INVESTMEnT

UTILITIES, BILLS

It might be good to transfer the money you have in your OA to your SA instead to take advantage of the higher interest.

2

T R AV E L , LU X U RY

$$$

top up your special account

3 INSURANCE

F & B, T R A N SP O RT

L I V I N G E X P E N SE S

Take Home Salary

Make your top-up at the beginning of the year — if you top up in January instead of December, you’ll earn 20% more interest over 10 years.

mortgage

2 expenses

INCOME SOURCES

The interest rate difference of 1.5% can amount to a substantial amount when compounded over time.

Many Singaporeans pay for their 10% house down payment using their CPF OA. The OA funds can also be used to service your monthly house mortgage. However, if you can afford to, it might be better to pay for your mortgage in cash.

S A L A RY, BONUS

I N V E S T I N G K N OW L E D G E

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The CPF Ordinary Account (OA) pays a 2.5% interest annually, while your CPF Special Account (SA) pays you 4%. (CPF pays an extra 1% interest for the first $60,000 in your combined OA and SA balances, but we’ll exclude that here for ease of calculation.)

INCOME SOURCES

3 M O N T H S O F E X P E N SE S F U N D

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transfer from ordinary to special account

1

“Should I Invest” Checklist

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02 02

DREAMS MENU. MENU DESCRIPTION.txt

This project was done on commision for Advisor’s Alliance (AA).

This booklet aims to provide the necessary information that one requires while planning their future. This includes the prices of a range of different housing types, prices of cars and even the budget one need’s for holidays to various countries. With this booklet, it would allow anyone to understand and plan their future with ease. The layout was done in a simple and clear cut manner to allow for ease of understanding and clarity while browsing the booklet.


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CONDOMINIUM

EAST

WEST

Co co Pa lms

L ake G ran d e

Located at Pasir Ris

Located at Jurong/Boon Lay/Tuas

NORTH

SOUTH

Parc R osewo o d

Comm o nwe a l t h Towe rs

Located at Woodlands

Located at Queenstown

TYPE

PER SQUARE FOOT

STARTING PRICE

TYPE

PER SQUARE FOOT

STARTING PRICE

TYPE

PER SQUARE FOOT

STARTING PRICE

TYPE

PER SQUARE FOOT

STARTING PRICE

4 Bedroom 5 Bedroom Penthouse

SGD 1,298 SGD 1,245 SGD 1,204

SGD 1,635,100 SGD 2,171,280 SGD 2,799,590

Studio 2 Bedroom 5 Bedroom

SGD 1,345 SGD 1,280 SGD 1,240

SGD 550,000 SGD 1,130,000 SGD 1,655,000

1 Bedroom 2 Bedroom 3/4 Bedroom 5 Bedroom

SGD 1,070 SGD 929 SGD 694 SGD 777

SGD 553,000 SGD 700,000 SGD 1,180,000 SGD 1,799,000

1 Bedroom 3 Bedroom 4 Bedroom

SGD 1,786 SGD 1,891 SGD 1,526

SGD 788,000 SGD 1,712,000 SGD 1,988,000

SHORT TERM

GOALS


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EXECUTIVE CONDO EAST

WEST

H D B A P P L I C AT I O N NORTH

SOUTH

B efore you make an application, check if you are

Nex t, submit your application!

E l igib l e to b u y a fl at fro m H D B

E l igib l e fo r a n H D B loan or bank loan

Su b m it yo u r fl at a p p l ic at io n

Sign Agre e m e nt o f Le a s e

2 1 Ye ars of Age

Able to p ay t he opt ion fe e, dow np ay ment , and ot her c ost s rel ate d to t he pu rchas e such as:

On li ne v i a HDB Info W EB at w w w. hdb. gov. s g du r i ng t he 1 - we ek applic at ion p er io d.

You w i l l b e i nv ite d to si g n t he Ag re ement for L e as e. You have to submit a L etter of Of fer i f you are obt ai ni ng a housi ng lo an f rom b an k s.

At le ast 1 Si ngap ore an C it i z en appli c ant and anot her Si ngap ore C it i z en / Per manent R esident You do not ow n any ot her prop er t y overs e as or lo c a l ly You have not b ou g ht a ne w HDB/ DBS S f l at or EC Inc ome C ei li ng : $ 1 2 , 0 0 0 for 4 - ro om f l at or bi g ger, $ 6 0 0 0 - $ 1 2 , 0 0 0 for 3 ro om f l at

S ea Hor i zon

West wo o d R esid en ces

Located at Pasir Ris

Located at Jurong East

Nor th Wave

Parc Life

Located at Woodlands

Submission of applic at ion = $ 1 0 O pt ion fe e = $ 2 0 0 0 for 4 / 5 - ro om F l at St amp D ut y = F i rst $ 1 8 0 , 0 0 0 : 1 %, Nex t $ 1 8 0 , 0 0 0 : 2 %, Nex t $ 6 4 0 , 0 0 0 : 3 %, R emai ni ng amou nt : 4 % D ow np ay ment • HDB L o an ( 1 0 % of pu rchas e pr ic e usi ng C PF / C ash . If C PF OA is i nsu f f ic ient , t he remai nder c an b e p aid usi ng C ash ) • B an k L o an ( 2 0 % of pu rchas e pr ic e i f 8 0 % lo an ) 5 % C ash , remai nder usi ng C PF OA S av i ngs Su r ve y Fe e = $ 3 2 5 for 5 - ro om f l at L e ga l fe es = Var ies

Located at Sembawang

Re ce ive o u tco m e o f a p p l ic at io n

Co l l e c t Fl at Keys ( in a b o u t 3 ye a rs t im e )

B o o k Fl at You w i l l b e i nv ite d to b o ok a f l at b as e d on t he b a l lote d queue p osit ion . Ple as e che ck t he f l at s’ avai l abi lit y b efore attend i ng t he app oi nt ment . A ls o, de c ide i f you wou ld li ke to opt - i n for t he O pt iona l C omp onent S cheme ( O C S ) , i f avai l able.

R es a le le v y TYPE

PER SQUARE FOOT

STARTING PRICE

3 Bedroom 4 Bedroom 5 Bedroom

SGD 757 SGD 841 SGD 799

SGD 1,010,000 SGD 1,050,000 SGD 1,281,000

TYPE

PER SQUARE FOOT

STARTING PRICE

3 Bedroom

SGD 754 SGD 795

SGD 714,000 SGD 1,173,000

5 Bedroom

TYPE

PER SQUARE FOOT

STARTING PRICE

TYPE

PER SQUARE FOOT

STARTING PRICE

2 Bedroom

SGD 815 SGD 843 SGD 709 SGD 785

SGD 553,000 SGD 844,000 SGD 941,950 SGD 1,327,000

2 Bedroom 3 Bedroom 4 Bedroom 5 Bedroom

SGD 813 SGD 873 SGD 699 SGD 769

SGD 621,000 SGD 930,000 SGD 888,800 SGD 1,192,000

3 Bedroom 4 Bedroom Penthouse

WEDDING PLANS

Sw i ssôte l The St a mford SGD 2,928++ per table

Ch ijmes Hal l

SGD 2,033++ per table

R enov at ion c ost Home Prote c t ion Insu ranc e ( HPI )

T R AV E L L I N G

M Hotel

SGD 1,139++ p er t able

ONE °1 5 M ar in a SGD 1,092++ p er t able

TYPE OF CAR

To As ia

S out h E ast Asi a Jap an, Kore a

SGD 800 SGD 2,000

To Eu ro p e

SGD 4,000 - 5,000

To U SA

To Au s t ra l ia

Mont h ly Travels to Asi a

O c c asiona l D elic ac y Indu lgenc e

SGD 4,000 - 5,000

SGD 2,000

RETIREMENT PLAN 2 $ 2 5 0 0 / m o nt h

Toyot a Alt i s

Hon d a Civ ic

Vol kswagen Passat

BMW 3 S er ie s

YEARS LEFT

PRICE

YEARS LEFT

PRICE

YEARS LEFT

PRICE

YEARS LEFT

PRICE

3

SGD 18,500

2

SGD 21,833

2

SGD 46,800

2

SGD 44,900

E nrol li ng i n L i felong L e ar ni ng C ou rs es

M erce d es B enz

M in i Co op er

Aud i A 8

Gy m and C lub Memb ership

BMW 5 S er ie s

YEARS LEFT

PRICE

YEARS LEFT

PRICE

YEARS LEFT

PRICE

YEARS LEFT

PRICE

2

SGD 62,000

2

SGD 32,800

2

SGD 82,800

2

SGD 65,800

TIMELINE Age 1 7 -2 0

Ag e 0 -6 Preschool Education 1. Emotional Intelligence 2. Creativity 3. Thinking 4. Communication 5. Language 6. Numeracy 7. Arts Basic: $500 per month Total: $6000

Pre-University Education $8400 per course for Singaporean

Age 7 -1 2 Primary school Education Free for Singaporean

Age 1 3 -1 6

Cost-Allowance: $4800, $20 a day.

Secondary school Education

Materials: $1000/Year

$5 per month for Singaporean

Total: $14200

CostAllowance: $2400, $10 a day.

Cost-Allowance: $1300, $5 a day.

Materials: $500/Year

Materials: $300/Year

Tuition: $500 for 2 subjects per month, $6000 per year

Tuition: $300 for 2 subjects per month, $3600 per year

Total: $8900

Total: $5200

Age 2 2 -2 5 University Education

DREAMS EAMS

MENU


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03 03

FIRE SAFE TY BANNER DESCRIPTION.txt

This project was done to help promote a Fire Safety Lesson conducted by various companies. The banner serves to encourage people to sign up for the course and to learn fire safety in the case of an emergency.

The design of these banners were trying to urge the general masses to step up and learn fire safety in the event of a fire. Quotes like “Be the change you want to see.� were used to encourage people to sign up.


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what to do when your car engine caTCHes fire? J O I N US FO R FREE P R AC TI C A L LESSO NS I N DEA LI NG WI TH ENGI NE FI RES

I N CAS E O F E M E R G E N CY CA L L 9 9 5 ( S C D F )

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BE THE CHANGE YOU WANT TO SEE

In Collaboration:

EQ U I P YO U R S EL F W I T H T H E S K I L L S TO P U T O U T EN G I N E F I R ES !

In Collaboration:


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04 04

BROCHURE DESIGN DESCRIPTION.txt

This project was done on commision for Advisor’s Alliance (AA). The brochure aims to improve the layman’s understanding towards AA as a brand.

In the brochure, it includes the partnering companies that work with AA and the servies that they provide.


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A d v i s o rs A l l i a n c e Grou p 1 Wa l l i c h S t , # 3 7 -0 1 S i n g a p o re 0 7 8 8 8 1

SINGAPORE

C O N TA C T U S OUR CORE VALUES

I N T E G R I T Y C O M PA S S I O N C O M P E T E N C E

A DVISO RS ALLIANC E GROUP

E S TAT E P L A N N I N G S P E C I A L I S T

EXTERNAL ASSET MANAGEMENT

MORTGAGE SPECIALIST

Providing services includings Will Writing, Insurance Nomination, LPA/AMD and Trust Setup.

To provide our clients with a comprehensive suite of wealth management solutions with top-tier banks.

Providing Mortgage Solutions including competitive rates across 16 banks for loans.

GENERAL INSURANCE

Allowing in all aspects of your daily lives are taken care off, with peace of mind from travelling, motor, home coverage, maid, WICA, Public Liability and many more.

W E A LT H M A N A G E M E N T Allowing your money to work harder for itself, asset creating assets with professional guidance.

RISK MANAGEMENT

F U L L E R T O N H E A LT H G R O U P

Providing Income Replacement due to unforeseen circumstances. Including Corporate’s Group Account Services.

In-house Medical Facilities providing GP Consultation, Executive Health Screening and HNW facilities services.


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05 05

hseq BROCHURE brochurE HSEQ DESCRIPTION.txt

This brochure done in collaboration with Lingjack Private Linited. The purpose of the brochure is to inform other businesses about some of the services that Lingjack has to offer with regards to Health, Safety, Environement and Quality.


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S AF E T Y S TART S WI T H YOU

ABOUT US

Safety and Health is the paramount concern for everyone. Our vision is to be the preferred Health, Safety, Environment and Quality (HSEQ) Consultant and we aim to assist our partners to achieve their HSEQ targets through effective risk management. Lingjack Consulting adopts a holistic approach with our clients on all HSEQ issues. Our core competency is providing complete suite of bespoke safety analysis and techniques as we do not believe in one fixed solution for different projects and clients. Our consultants have extensive competence and experience within HSEQ. Their experience includes both onshore and offshore projects worldwide. We work closely with our clients to provide cost effective solutions and assist them to stay ahead of regulations and achieve significant improvement in their asset performance and reliability

I N AC H I E VI NG AN I NC I DE NT F RE E W ORKPL AC E H E A LT H

SAFETY

ENVIRONMENT

QUALITY

OUR SERVICES

P R O C E S S H A Z A R D A N A LY S I S ASSET RISK MANAGEMENT E M E R G E N C Y P R E PA R E D N E S S

O C C U PAT I O N A L H Y G I E N E

H S E Q C E R T I F I C AT I O N AUDIT TRAINING

C

COMBAT

LINGJACK


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06 06

LINGJACK WEBSI TE DESCRIPTION.txt

The client wanted to revamp their current website design and this was one of the design prototypes that I presented. The home page was changed to catch the attention of the customer when they entered the website. By using a slogan and a dynamic picture, it would help to draw the user in and allow them to continue browsing the site.

The little details such as the shopping bag button and search bar were also changed to reduce the distraction from the rest of the site.


Search

Sign In | Sign Up

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dreams_menu.jpeg

C

COMBAT

LINGJACK HOME

ABOUT US

PRODUCTS

PROJECT REFERENCES

GALLERY

CONTACT US

CAREERS

YOUR SOLUTION TO ALL FIRES We are the leading supplier for fire fighting equipment in Singapore. LEARN MORE

WHO WE ARE Lingjack Engineering Works Pte Ltd first commenced its humble establishment in 1971. It has since evolved from a conventional engineering firm into a specialized manufacturer of firefighting equipment. With over 4 decades of experience in the field of fire and safety industry, Lingjackhas always strived to provide the first class products and services to the customer. In Lingjack, we live by the spirit of delivering values to customer through distinctive customer service and zero defects products. Adapting international standard on stringent control of work and System, certified by LPCB(UK). Furthermore our entire range of products are certified by Setsco, PSB, UL, DNV, ABS, MED, PED and LPCB. LEARN MORE

Featured Products

Foam Mist Fire Extinguisher S H O P N OW

Featured Products

Foam Mist Fire Extinguisher

Water Mist Fire Extinguisher

Foam Mist Fire Extinguisher

Foam Mist Fire Extinguisher

SH OP N OW

S H O P N OW

S H O P N OW

S H O P N OW

C

COMBAT

LINGJACK

Terms & Conditions | Privacy | Cookies | Careers | Contact | Sitemap

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07 07

COMPANY wall WALL decal DECAL company DESCRIPTION.txt

This is a proposal for a decal design for Lingjack Private Limited. The purpose of this wall decal is to emphasise on the vision and values of the company and translating that physically onto a wall within the office. The following images show two different sytles of design for the same content and information.


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Quality of Lives Sustainable Environment Fire and Safety Protection Sustainable Environment Solution Excellence in Engineering Technology Innovation with our work R&D

PA S S I O N OWNERSHIP TEAMWORK GENEROSITY I N N O VAT I O N

Innovate for Improvement Successful Career Quality Mindset Giving & Sharing Back CSR Society Passionate Attitude Support Teamwork Innovate for IMprovement

OUR VALUES

                    

OUR VISION

    

    

CORE VALUE PRINCIPLES



             

      


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08 08

ILLUSTRATION DESCRIPTION.txt

In my free time, I enjoy illustrating potraits and random everyday things that catch my interest. Here are a few examples of the illustrations that I have done. I like playing with different hues of the same colour of strange colour choices to try and see the different feeling it can give to a picture.


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PORTF OPORT IOPOR


FOLIo TFOl RTFol


Profile for Cheryl

Graphic Design Portfolio  

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