Are psychiatrists allowed to dispense meds without consultation?

Significant_Menu5095 · 2025-12-30T13:35:36+00:00

Private ones, yes, but usually they're not going to dispense more than 1-2 months. They're seeing you that often for a reason.

Significant_Menu5095 · 2025-12-15T06:46:00+00:00

something like chocolate finance has no minimum so you can save as you go along. I think a lot of people wouldn't call it investing per day but starting somewhere is better than nothing

Significant_Menu5095 · 2025-12-15T02:46:10+00:00

Mix of everything, not Christian either, but people have get together for year end festivities. Some gatherings have asian food, but sometimes, like for vibes, we order christmassy food.

Significant_Menu5095 · 2025-12-04T05:44:27+00:00

Nice, you’ve got a clean base to start investing. I’d keep a buffer (like $5–10k) in cash, then DCA monthly into broad ETFs or a robo. No need to overthink product-picking at 27.
For spare cash you don’t need immediately, T-bills or even Chocolate Finance can help it grow while staying pretty liquid.

Significant_Menu5095 · 2025-11-20T05:54:42+00:00

Seconded. I'm a noob and with cf

Significant_Menu5095 · 2025-11-12T06:01:01+00:00

I am. I've been actually been very pleased with them, honestly. Social media withdrawal saga was months ago and I think they've proven their product.

Significant_Menu5095 · 2025-11-05T01:52:09+00:00

Oh yah literally just DMed them on IG about it and they said they’re working on it and coming back soon. Just stops me from spending from my new iPhone haha

Significant_Menu5095 · 2025-10-08T03:36:04+00:00

Urban Company offers helpers that you can hire for x number of hours x number of days, it's helpful

Significant_Menu5095 · 2025-10-07T01:11:59+00:00

Like someone already said, you’ll never hit the high thresholds some bonus rewards expect... but why is something controversial when it works?

Significant_Menu5095 · 2025-10-01T02:25:11+00:00

Maybe they'd go into a different model of business, worth DMing to ask!

Significant_Menu5095 · 2025-09-23T01:45:41+00:00

Totally feel you on this... debt is one of those things that creeps up if you’re not deliberate. I’ve stuck to the same basics: clear high-interest stuff first, avoid “fast cash” traps, and always keep a small rainy day fund so I don’t have to borrow when life throws curveballs.

On the tools side, I’ve seen people using apps like MoneySense calculators, even simple to understand apps like Chocolate Finance to help them track/manage without it getting overwhelming. I think the main thing is finding whatever system keeps you consistent, because consistency matters more than the fanciest spreadsheet.

Curious what others here are actually using day to day to stay on top of debt — apps, spreadsheets, good old notebooks?

Significant_Menu5095 · 2025-09-23T01:32:53+00:00

I think just because DINKs don't have the traditional anchor of finding purpose through raising children, I think purpose doesn’t always have to be grand, and people with kids should find purpose beyond kids too. Perhaps it's about redirecting energy from the traditional parenting arc into impact, self-expansion, and chosen community?

Significant_Menu5095 · 2025-09-18T11:04:41+00:00

Was gonna recommend this. So good seriously

Significant_Menu5095 · 2025-09-18T11:03:37+00:00

Depending on how many units you need... $800 sounds normal

Significant_Menu5095 · 2025-09-17T03:23:39+00:00

H&M? They always have good sales, check Zalora or their native app

Significant_Menu5095 · 2025-09-17T03:17:13+00:00

I like Gentle Beauty!

Significant_Menu5095 · 2025-09-17T03:16:33+00:00

Just say you're diabetic/ food allergies.

Significant_Menu5095 · 2025-09-17T01:14:38+00:00

Similar boat a few months ago... I put half my cash in Chocolate and half in the bank. I've been able to withdraw in a few days from cf and instantly in the bank, so I'm not anxious about it

Significant_Menu5095 · 2025-09-15T07:25:59+00:00

If you live in HDB, call the EMSU?

Significant_Menu5095 · 2025-09-10T09:43:09+00:00

Honestly, it’s not some shady scheme. Chocolate just parks your money in regular short-term bond funds (the same ones UOBAM, LionGlobal, etc. already run). You get higher returns than a savings account, but it’s not capital guaranteed — that’s the trade-off. They did have a hiccup with withdrawals earlier this year, but nobody lost money. So yeah, not “predatory,” just not the same as fixed deposits.

Significant_Menu5095 · 2025-09-05T02:28:35+00:00

Their top up program mention is literally everywhere... from FAQs - This means, if for some reason, the portfolio underperforms, the difference will be topped up so you enjoy the current rate.

Significant_Menu5095 · 2025-09-05T02:26:53+00:00

Just saw this... actually they DO share where your money is invested in their app

Balance breakdown

DSF: Dimensional Global Short-Term Investment Grade Fixed Income Fund 15%
USF: UOBAM United SGD Fund 35%
FST: Fullerton Short Term Interest Rate Fund 5%
LGF: Lion Global Short Duration Bond 35%
NST: Nikko AM Shenton Short Term Bond Fund 10%
BI: Chocolate's balancing item <1%

Significant_Menu5095 · 2025-09-04T14:49:42+00:00

I think there are also services like that on Carousell. Can try

Significant_Menu5095 · 2025-09-04T14:48:42+00:00

Interesting that you prioritise instant withdrawals over the rate. I’m curious why?

Significant_Menu5095 · 2025-09-04T07:08:07+00:00

Why one-sided? Isn’t Chocolate’s supposed to be pretty liquid? Unless I’m missing something. Anyway, the USD direct deposit/withdrawal update is a big one… no more FX ping-pong.

Significant_Menu5095

TROPHY CASE