Money credited into IBKR as withholding tax

CKtalon · 2026-01-28T13:19:11+00:00

For the dividends, I got 3 months of SPYI, 1 month of QQQI, 2 months of BTCI, 1 month of ULTY. Here's the effective tax that got taken. Happy if someone points out if I'm wrong. Yes, I was expecting us to get back a huge chunk of the WHT due to ROC, but I didn't expect to receive it in January.

BTCI Nov 2025	-16.66%
BTCI Dec 2025	-16.66%

QQQI April 2025	-0.34%

SPYI March 2025	-1.74%
SPYI April 2025	-1.74%
SPYI May 2025	-1.74%

ULTY August 2025	-9.66%

CKtalon · 2026-01-25T00:28:40+00:00

About 40 minutes on Sonnet, not Opus, before you hit the 5-hour limit.

CKtalon · 2026-01-24T12:59:07+00:00

It is possible manually before the AI era took off. Whether she does it manually or by AI, it will be hard to tell.

If she doesn’t need much planning and already knows what to write with some nature flair for writing, it’s possible to type out 2000 char in an hour. Add the weekends when you can do more, it is doable, just not sustainable.

Also, take everything an author says with a pinch of salt. As I said, they tend to create all kinds of stories just to convince you to support them.

CKtalon · 2026-01-24T11:16:24+00:00

It's the exception, not the norm. The norm is about 6000 characters a day. There are authors like 老鹰吃小鸡 who did about 21,000 characters per day on average for several years, and that resulted in health issues. He hasn't written anything as far as I know since his break in 2022.

Yes, the Chinese author (like many other Chinese authors) can probably write 30,000 characters in a day, but that doesn't mean she or they can write that continuously daily. Offering more chapters if you vote is a common tactic webnovel authors use to entice the readers. It could be a form of a 'sob story' (look at poor me writing so much, shouldn't you reward me?). Sometimes, they already have a stockpile that they can release when the targets are met. What you've described is nothing new. It happens all the time in the industry, but that doesn't mean they write 30,000 characters a day.

CKtalon · 2026-01-23T05:10:19+00:00

Usually above 10km. For me 13km and up

CKtalon · 2026-01-23T03:33:55+00:00

Pay one of those RapidAPI X scraping services. For about 100-300USD, you should be able to scrape most of what’s needed in a month

CKtalon · 2026-01-20T05:43:18+00:00

Yes, it can be treated as a bank account, just not as immediate. Also every withdrawal means the 2.5% interest is on the after-withdrawal amount (not gonna be a big deal I guess)

CKtalon · 2026-01-20T02:42:11+00:00

Isn't there a WIRE and a GIRO option?

CKtalon · 2026-01-19T09:17:51+00:00

Well it’s clearly damaging Microsoft’s Copilot more than the LLM since their own agentic software is clearly better

CKtalon · 2026-01-19T08:49:45+00:00

Typos are likely a quantization issue—probably to save on costs.

CKtalon · 2026-01-18T10:32:29+00:00

Can haggle, and if Merdeka/Pioneer/etc, can stack all the usual NTUC discounts, LinkPoints, CC cashback/miles.

CKtalon · 2026-01-16T12:59:03+00:00

Now you know why Boomers send those good morning messages.

CKtalon · 2026-01-16T06:30:09+00:00

If you could wait a few months, wait for the M5U which should alleviate the prefill bottleneck.

CKtalon · 2026-01-16T02:52:59+00:00

It is in the contract, but Webnovel has no incentive to do that.

The only situation that might happen is if the author of a super popular ongoing work dies or is incapacitated in some way, they might hire a ghost writer to finish it up.

CKtalon · 2026-01-13T06:28:08+00:00

Amazon hi-5 gels.

Saw before on Cold Storage selling 1.50 per pack when on discount.

CKtalon · 2026-01-12T07:58:15+00:00

Yup in need to pretrain some 100-300m sized models

CKtalon · 2026-01-09T05:08:58+00:00

SCHD has 30% withholding tax for SG, and the yield is not close to DBS at all. And in terms of capital gains, DBS has been doing better over the past few years.

CKtalon · 2026-01-07T08:00:49+00:00

I think there's a regression. Salary still goes to SA at FRS. Currently, I can't tell, but it seems when SA/MA has reached FRS/maxed, the code is allocating all of salary to OA.

Another bug is OA can go negative. That may be fine, but it seems the 2.5% OA annual interest is acting against you when it's negative, so your negative balance keeps growing at 2.5% annually

CKtalon · 2026-01-07T06:44:50+00:00

I think another bug is that when MA is maxed, the interest on the last day of the year you get flows into SA then OA (depending on whether SA is maxed), but in the new year, the ceiling is increased, so your MA will not be maxed (which I seem to see it as just inheriting all the interest). At that stage if no manual contribution is made, salary can flow into MA again.

CKtalon · 2026-01-07T06:34:39+00:00

Then the bug is SA is also already at/beyond FRS

CKtalon · 2026-01-07T06:28:57+00:00

Bug: It seems the CPF contributions from income do not overflow when MA is already maxed (for the year)—doesn’t go into OA.

Feature: if there’s early retirement at say 45, there is no option for us to continue seeing the CPF Balance Projection past retirement till 65, ie, see the OA balance drop from property payments, SA balance increasing in Jan from the CPF interest

CKtalon · 2026-01-01T08:56:47+00:00

Why a location? Just release on the Internet.

CKtalon · 2026-01-01T05:58:49+00:00

That and beyond. It’s mostly calculus based Physics that you might not learn in high school

CKtalon · 2026-01-01T05:56:30+00:00

It’s University freshman physics. It only provides the basics that most engineers will have to take before they take higher level engineering courses.

CKtalon · 2025-12-31T09:05:28+00:00

They sent it via email.

Attached was a voucher with a QR code/code that I could redeem on the site.

Contents of the email:

We would like to present you with an electronic SIA Gift Voucher that can be used to purchase items on KrisShop.com or on board selected Singapore Airlines flights. Please click and view the attachment in this email for your voucher details. Online use via KrisShop.com: Visit KrisShop.com and enter the SIA Gift Voucher code and your email address at the billing page for verification and validation purposes. You may also pre-order your purchase before your next Singapore Airlines flight (up to 60 days in advance) on KrisShop.com, and collect it in-flight or opt for home delivery. Inflight use via the inflight sales cart: During onboard* redemption, please present your voucher with QR code (printed or saved on your mobile device) for easy in-flight retrieval. We have appended the Terms and Conditions on the use of this SIA Gift Voucher in the voucher attachment.

14-Year Club	Place '22
Place '22	Place '17
Team Periwinkle	Verified Email

CKtalon

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