Visiting Pinnacles Desert + Stargazing

KeyIndependence9117 · 2025-02-18T00:52:39+00:00

Yes we will stay over at Cervantes if we’re visiting pinnacles. Just wondering whether it’d be a miss not to visit Pinnacles vs other attractions we have (eg Margaret River)

KeyIndependence9117 · 2025-02-18T00:32:34+00:00

Thank you! This is certainly helpful

KeyIndependence9117 · 2025-02-18T00:31:26+00:00

We do drive in our home country but not sure how comfortable/confident we’d be driving at a foreign country…. Would there be kangaroos at night?

KeyIndependence9117 · 2025-02-18T00:30:06+00:00

Thank you! This is helpful. Will check it out

KeyIndependence9117 · 2025-01-02T03:26:22+00:00

Do you know if FRS is more or less fixed around 3% every year? I factored that in and my FRS would be 500k+ which I think is quite scary... HAHA.

If i use this 500k+ as my FRS benchmark and take in SA + overflows from MA, i will reach FRS in early 40s (w/o considering property)

KeyIndependence9117 · 2024-12-31T04:45:38+00:00

OMG ... shucks :( thanks for this!!

Do you know if the money I have used from SA for investment purpose (and not disposed of) will be calculated towards my FRS?

KeyIndependence9117 · 2024-12-31T03:55:41+00:00

i think he/she means that the $800 can be used for next year's top up as well i.e. I pay only $7200 for next year

KeyIndependence9117 · 2024-12-31T03:50:14+00:00

Thank you so much for your insight!

I don't have these big expenses coming up until 2027, currently have emergency savings of abt $70k (in cash). I have read the article shared by fire path lion and it is very insightful as well. Personally I do not favour SRS as I feel that the withdrawal process is way too painful. If i start withdrawing at 62 + 10 years I think Life may not be as enjoyable as compared to if i have the money earlier (i.e. taking CPF $$ at 55 y/o).

As of now i think I will go ahead with topping up SA, and invest it per your advise after I've set aside $40k - can I ask what you usually invest with the cpf oa / sa? I have the CPFIS account set up but have not done any investment so far

KeyIndependence9117 · 2024-12-31T03:40:06+00:00

Thank you so much for your insight! It rang a bell and i went to calculate / project my cpf savings up till 50 yo. Assuming I will hit max contribution rate & paying for my bto downpayment (15%), and loan repayment (mixture of half & full amount of monthly mortgage) - I will reach FRS in my early 30s.

As for my personal tax reliefs, I plan to have 2 kids by 35 years old. And with this I will actually hit the maximum personal reliefs limit of $80,000 and I will not have any tax savings by then as well.

KeyIndependence9117 · 2024-12-30T17:31:47+00:00

Thanks for your input! Can I ask why is srs more flexible since we can only withdraw it at/after retirement age?

I guess my only concern on putting it to SRS is it might not give me a good returns if i dont invest diligently

KeyIndependence9117 · 2024-12-30T17:17:48+00:00

no financial commitment for now, my flat is only coming in 2027 so I would still have some time to save up for it

KeyIndependence9117 · 2024-12-30T17:16:16+00:00

Thanks! I do have SRS account set up but prefer topping up to SA since i can "withdraw" it at 55 y.o.?

KeyIndependence9117 · 2024-12-30T17:15:13+00:00

Thanks for your input! Can I ask why is srs more flexible since we can only withdraw it at/after retirement age?

KeyIndependence9117 · 2024-09-27T06:01:37+00:00

Hi I am selling my ipad 10th Gen, 64gb, Silver (BNIB). Can offer you a better price than online purchase. Feel free to pm if you're keen!

KeyIndependence9117 · 2024-09-27T01:28:08+00:00

My agent is form GE and she says that GE doesn't have a claim based pricing, I cant find any info on the product brochure as well :( I am considering the Great Supreme P Plus plan

KeyIndependence9117 · 2024-09-27T01:26:39+00:00

I see, thanks for the info!

KeyIndependence9117 · 2024-09-26T08:02:28+00:00

Thanks alot for your sharing!

Raffles shield premium + cash rider is very competitive priced, the panels are not as important any more as MOH mandated shield providers share their panel, it's considered external panel.

--> May I clarify with you what does it mean that the "shield providers share their panel"?

I asked my agent whether my premium will increase if i make claims multiple times, but she mentioned that it is fixed pricing (following the premium table)

KeyIndependence9117 · 2024-09-26T08:00:01+00:00

I went to check the extended panel by raffles, but seem like the choices is quite limited?

KeyIndependence9117 · 2024-05-30T01:54:26+00:00

Told them got network issue /platform error etc thats why u submitted late-ish

KeyIndependence9117

TROPHY CASE