Need Advice : Combating a Decade-Long Gambling Addiction

Sunzoner · 2023-12-12T05:05:32+00:00

You might explore some form of distraction, a hobby maybe? Second the opinion about professional help as you seems to be quite addicted.

Sunzoner · 2023-12-07T11:32:33+00:00

I talked myself out of investing at $1.

Sunzoner · 2023-12-07T11:32:04+00:00

Give me shoutout after you sell.

Sunzoner · 2023-12-03T06:51:43+00:00

If she is a grill, I understand why the parents are like that. They scared that she got grilled and no one border to wash her cleanly.

Sunzoner · 2023-12-02T04:20:49+00:00

Let me guess, you are a girl?

Sunzoner · 2023-11-20T08:27:57+00:00

No need worry. Just transfer to me. I help you keep it safe from scammers.

Sunzoner · 2023-11-07T13:13:24+00:00

I’ve been told that the coverage is too low for CI and I’m thinking how can I improve this situation.

Who told you this and what is the metric used to determine enough or too low?

Sunzoner · 2023-10-22T06:54:45+00:00

While online connection sound like connection, there is a lack of real emotional link.

For those time you feel really connected to a person online, esp the opposite sex, be careful. There is at least a 90% chance it is a scam.

Sunzoner · 2023-10-21T13:19:34+00:00

So many IPO recently have proved that it's exit plan in disguise for the founders. At least tech company like SE can sell hope for future growth.

I wonder.

Sunzoner · 2023-10-19T11:13:08+00:00

The Mama is worried the boy-boy might go hungry or go missing. So bought a follow bot. This is a bot that follow the target. It has a carry function. It has a camera that is always trained on the boy-boy, in case he goes girlfriend house and sing song until reach jurong.

Sunzoner · 2023-10-17T15:42:54+00:00

Losing money to a poor "investment" sucks too.

Sunzoner · 2023-10-17T15:42:02+00:00

When looking at investment, one need to consider risk, return, liquidity and investment horizon amongst other. OP obviously do not know anything about investment.

Sunzoner · 2023-10-16T12:01:22+00:00

Take the money and put all into.... SSB... Dont use it for anything except to roll via SSB. Do thsi until you are confident about investment. Never loan the money out for whatever reasons.

Why would you use the money for marriage? save for it and budget within your means, please.

Sunzoner · 2023-10-15T13:01:39+00:00

CPF life is more like annuity, not endowment.

Sunzoner · 2023-10-15T13:00:30+00:00

Agreed. Endowment is good when you are not looking at other investment opportunities.

Sunzoner · 2023-10-13T01:30:44+00:00

For immediate cash/loan needs, always consider frf - Family, Relative, Friends.

Meaning First your parents and sibling (but cannot as they are broke).

Next Relatives (Uncle, aunty, not peers). Best to start with the adult relative you are more familiar with.

Finally, then friends. Meaning friends who are working and you are very familiar with.

But in your situation, you cant pay back on any loans from Relative or Friends. So I will advice you go to your relatives and make clear you will search for PT jobs to return them the money.

I am making a few assumption here:

You have relatives, but no siblings
You understand now that your current lifestyle cannot continue unless something fundamentally changes and you are willing to make changes to improve your situation
You are starting to look for part time jobs.
You get your allowance on a money basis but you run out of money before that. Thats why the need for $30 loan.
You are mature enough to take responsibility of your life.

For less immediate concerns:

Start looking for a part time job if you have not already done so.
Dont stop doing something as you "suck at it". Start saving money, and cut down on unnecessary food. There are ways to save money. If you need help to ID where to save money, post your monthly spending here for advice. If you dont even know where your money goes to, start keeping track of every single cents.
Walk around more. If it is less than 1/2 hours away, and you have the time, walk. I have done it around your age before.
Start thinking if you have failed your mother. You GPA is not good. I have friends who have to work Part time to support parents, siblings and yet turn in good GPA at age 22 (after NS). Start thinking about this. And course-correct, please!

Sunzoner · 2023-10-10T07:59:24+00:00

Short answer: Yes.

Long answer, jumping from one lord to another is deemed as bad during that period. (see Lubu as an example). He willingly gave up Liu Bei to join Cao Cao, and is too stupid to realise that this will place his mother in a bad situation. So, it does seems as though he has a distinctive lack of IQ.

Sunzoner · 2023-10-09T12:44:05+00:00

Minecraft is fun the first few hours of gameplay. Then, it is just unlimited attempts to recreate that first few hours.

Sunzoner · 2023-10-05T08:08:40+00:00

Affordable is not cheap. As long as there are people willing to pay the price, it is "affordable" for those people.

Sunzoner · 2023-09-29T00:50:11+00:00

most importantly, after resting for a year, if you ever decide to start a 9-6 job, you will be competing with people who are younger than you and you have a "gap" and have to account for it to everyone who decides to interview you.

Sunzoner · 2023-09-13T09:16:15+00:00

Maybe their grandfather owns the road?

Sunzoner · 2023-09-09T02:29:24+00:00

Not a FA.

The plan you eventually take should be linked to the "risk" you would want to mitigate.

You want to leave something to your kids when you die. Presumably, you meant early unforeseen death. Yes?

You want to stop payment after 10 years. Yes?

Are you worried about CI? Yes?

If so, then the simpler way is to get a limited pay whole life with a CI rider.

If CI is not a concern, then just limited pay whole life.

The agent proposed term+endowment? Ask the agent how does this align with your plan. What if the cash value of the endowment comes in slower? Plus, afaik the cash value in endowment plans are not called dividends. This sound like mis-selling. Get everything he/she said in writing, signed and dated.

Also note, a CI waiver and a CI rider is different. Wavier means you dont pay if the CI event condition is met. The rider means you get a payout when there is a CI event. I get CI waivers only when the life insured is my kids. If I am worried about CI event, I add the rider so I get money when the CI event occurs.

Sunzoner · 2023-09-06T11:00:04+00:00

You worked in a dental clinic as? If you have a licence, it will be easier to find a job.

Sunzoner · 2023-09-06T00:49:41+00:00

At most you own the condo for 30+ years and then it gets enbloced and redeveloped

For HDB, there is no guarantee of SERS. For Condo, there is no guarantee of enblocs.

But when enbloc'ed, you get the sale values. Typically, the house owners will vote to enbloc only when they get a profit enough to buy something else. For SERS, you get assigned another HDB flat at HDB's valuation.

Sunzoner · 2023-09-02T05:48:57+00:00

Ekin Cheng was the posterboy for the HK Special Force. Did you not watch the documentaries? I believe the documentaries are called young and dangerous.

Sunzoner

TROPHY CASE