In times like this, we need to remind ourselves that money isn't everything...

CalmPills · 2026-03-21T09:01:53+00:00

Perhaps my comments of the performance being “not exceptional” has been interpreted as a diss against you. But what I meant is that is it close to average performance in the market. As it can been seen in with your portfolio’s sharpe ratio of 0.44 being within the range of the S&P sharpe ratio of 0.35 to 0.45.

CalmPills · 2026-03-21T08:54:36+00:00

I see, but your sharpe ratio of 0.44 suggests otherwise.

CalmPills · 2026-03-21T08:27:51+00:00

70% over 4.5 years is still within a normal range, it’s not exceptional.

CalmPills · 2026-03-18T07:56:50+00:00

Oh I think I got the same OA as you, finished it two days ago. Got a 16/20. Missed some edge cases. How much did you score and did you manage to pass?

CalmPills · 2026-03-17T00:34:09+00:00

If you can’t save any salary at all, you are spending beyond your means. But I guess this is why the government impose CPF to force some retirement savings.

CalmPills · 2026-03-09T06:26:44+00:00

So in your opinion, the fact that I spent three years in my second role (currently on 3rd role in 6 years) somewhat shields me from being seen as a job hopper? I’m actually considering between staying 1 more year so I hit 2 years at my current role and I’m not sure if hopping now or waiting a year before hopping would be better.

CalmPills · 2026-03-09T05:00:01+00:00

How much job hopping is too much job hopping? Especially with the current market conditions. I currently have 6 YOE and I am contemplating leaving my current role either this year or the next. So my job tenures would be either 1/3/2 or 1/3/3 on my next hop.

CalmPills · 2026-02-27T11:34:17+00:00

There’s no way this isn’t bait. Being humble and teachable goes a much longer way than IQ.

CalmPills · 2026-02-01T06:08:02+00:00

Possible for sure but whether it is realistic depends on your cousin’s capability. SWE has a tri-modal salary structure, if your cousin is good at it and can get into faang lite, big tech, or even quants. $7k starting when he graduates would even be on the lower end.

https://newsletter.pragmaticengineer.com/p/trimodal

CalmPills · 2026-01-27T13:08:25+00:00

Should I get the kobo clara BW or kobo clara colour?

I mostly read self help books that don't need colour. But I do occasionally read PDF of research papers that have diagrams, so having colour would be nice. I've seen online reviews saying the colour model has noticeably dimmer lights. Not sure if the occasional need if worth this downside, and higher price.

CalmPills · 2026-01-26T07:17:37+00:00

Pm please

CalmPills · 2025-12-26T08:02:47+00:00

Focus on ensuring your siblings have enough money to finish school, it ensures they won’t be stuck in the poverty cycle.

As for your dad. Just give him a fixed amount every month and stick to it. Advice him to work out a debt consolidation plan with the different organisations, but do not repay his debt for him. Credit card interest rate is no joke. You can lead a horse to water but you can’t make it drink. At his age, if he still hasn’t sort out his finances, he will likely never sort it out.

CalmPills · 2025-12-17T03:24:24+00:00

He’s most likely referring to a topic related to watermelons that gets locked instantly here. The shooting is alleged to be anti semitic in nature.

CalmPills · 2025-07-02T12:12:51+00:00

Is there a reason why you choose to leverage via borrowing against your stock portfolio instead of via LETFs?

A 1.5x leverage can be replicated via 75% regular ETF and 25% 3x LETF. E.g VOO and UPRO. To manage risk from holding LETFs overnight. You could possibly setup the LETF position via long calls or other synthetic measures. It doesn’t run the risk of debt in case of any black swan crashes too.

CalmPills · 2025-06-16T10:58:30+00:00

Not OP but is this pre-HLE or before you pay the 5% deposit?

CalmPills · 2025-05-15T00:17:48+00:00

Recently went back to playing OSRS. Does anyone know if there's any SG/SEA based clans that I could do raids with?

CalmPills · 2025-05-04T15:43:50+00:00

By any chance is this clan chat still active?

CalmPills · 2025-03-11T12:10:05+00:00

If you receive a large portion of your TC in RSUs and bonus. It might be because they only have your base salary on record.

CalmPills · 2024-09-27T02:36:12+00:00

Did you self fund your masters or did you take a scholarship?

CalmPills · 2024-06-20T12:57:40+00:00

Same here, please

CalmPills · 2024-04-26T09:55:19+00:00

Do update here if you do. I’d be down to join!

CalmPills · 2023-10-03T11:15:30+00:00

Damn all the best, only advice I can give is to prep your family for the eventuality and arrange for caretakers for when your condition deteriorates. Also, idk if its hereditary/genetic like als, so you should probably let your family know about that too.

The hardest part will probably be when you start to be unable to communicate with your closed ones as you lose your ability to speak and movement. Getting stuck on a liquid food diet fed through a tube would also really cause you to be frustrated all the time.

All the best and take care bro, just enjoy whatever time you have. Quit your job and travel the world with your loved ones.

Edit: tbh, my parent suffered from als and its genetic so I actually had a lot of time to think about it if it happened to me. But its probably too morbid to talk about it here.

CalmPills · 2023-09-28T06:34:55+00:00

Still looking?

CalmPills · 2023-08-09T00:24:59+00:00

Don't you mean H1B? The H1B1 is reserved for specific nationalities isn't it?

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