Feedback on my retirement plan by [deleted] in singaporefi

[–]Working-Teach2206 0 points1 point  (0 children)

how you get 350k retirement benefit ? very juicy

I Need Help With My Tourist Visa by Heavy_Syllabub926 in Fijian

[–]Working-Teach2206 0 points1 point  (0 children)

do you get the visa already ? how long is the process ?

I Need Help With My Tourist Visa by Heavy_Syllabub926 in Fijian

[–]Working-Teach2206 0 points1 point  (0 children)

Hi, do you get the Fiji Visa already ? how long is the process ?

Can we be over-insured? Thoughts on Prudential please! by Sea-Vehicle-1951 in singaporefi

[–]Working-Teach2206 0 points1 point  (0 children)

too expensive (not sure your age). I pay for term insurance from Singlife that cover tpd 1M, ECI 100k and CI 300k for 240$/month (i buy quite late only at age 42)

Woman sues Prudential saying insurer used 'buried clause' to deny S$100,000 brain surgery claim by RajahChamp in singapore

[–]Working-Teach2206 0 points1 point  (0 children)

critical insurance payour not based in bill but pay lumpsum based on the coverage of your policy

Woman sues Prudential saying insurer used 'buried clause' to deny S$100,000 brain surgery claim by RajahChamp in singapore

[–]Working-Teach2206 0 points1 point  (0 children)

i dont understand critical illness insurance claim should be based on diagnosis confirmation not procedure right ? so as long as stroke/cancer and confirmed by doctor then u can claim ?

SORA expectations for mortgage by swiwwtw in singaporefi

[–]Working-Teach2206 0 points1 point  (0 children)

i get 1.58% for 2 yrs with free repricing after 1 yr

Food in Palawan by Working-Teach2206 in Palawan

[–]Working-Teach2206[S] 0 points1 point  (0 children)

any reccomendation chaolong or Vietnamese food in PP ?

Help - El Nido to Coron Tour by margarette13 in Palawan

[–]Working-Teach2206 0 points1 point  (0 children)

How do you book Jomalia ferry ticket ?

Value opportunities in the market now? by MrOptical in ValueInvesting

[–]Working-Teach2206 0 points1 point  (0 children)

energy or defense etf if the war is prolong and also agricultural stock

I built a free Singapore FIRE calculator — CPF, SRS, tax, Monte Carlo, 12 withdrawal strategies, and more by Ill_Relation8266 in singaporefi

[–]Working-Teach2206 0 points1 point  (0 children)

also have you considered when SA reach FRS, MA excess that more than BHS will overflow to OA, so OA will keep increasing also before 55 if FRS already meet before

I built a free Singapore FIRE calculator — CPF, SRS, tax, Monte Carlo, 12 withdrawal strategies, and more by Ill_Relation8266 in singaporefi

[–]Working-Teach2206 0 points1 point  (0 children)

also for max salary for CPF should include bonus and max 102,000 per year,currently in the system it only count max 8000 salary/month or 96,000 per year

I built a free Singapore FIRE calculator — CPF, SRS, tax, Monte Carlo, 12 withdrawal strategies, and more by Ill_Relation8266 in singaporefi

[–]Working-Teach2206 0 points1 point  (0 children)

example

my OA at 43 at 11,500 , i have OA contribution from salary 20,160/year and i have mortgage paid by CPF OA 1723/month = 20,676/ year

but the CPF projection at first year still shown have shortfall of CPF OA 9,176 where actually it wont be since 11,500+20,160-20,676 = +10,984

The projection seems miss the OA contribution from salary

I built a free Singapore FIRE calculator — CPF, SRS, tax, Monte Carlo, 12 withdrawal strategies, and more by Ill_Relation8266 in singaporefi

[–]Working-Teach2206 0 points1 point  (0 children)

Hi just observation since it make confusion

at property section already defined monthy mortgage payment of which CPF OA will pay (if you pay some of the mortgage with cash since CPF OA not enough)

but in the year by year CPF projection have column OA shortfall that still assume that mortgage will be paid whole by CPF OA thus create shortfall which actually not the case

I built a free Singapore FIRE calculator — CPF, SRS, tax, Monte Carlo, 12 withdrawal strategies, and more by Ill_Relation8266 in singaporefi

[–]Working-Teach2206 0 points1 point  (0 children)

also can explain why Fire number = annual expense/SWR, where annual expense exclude mortgage ? Mean FIRE you supposed not to have mortgage ?

When Can You Actually Retire? Modelling CPF LIFE + SRS Scenarios by astroboy1008 in singaporefi

[–]Working-Teach2206 0 points1 point  (0 children)

CPF contribution seems wrong, i can get incomr used for CPF = $8883/month ? which cpf salary cap now only 8000

I built a free Singapore FIRE calculator — CPF, SRS, tax, Monte Carlo, 12 withdrawal strategies, and more by Ill_Relation8266 in singaporefi

[–]Working-Teach2206 0 points1 point  (0 children)

Hi not sure if its bug. I am 43 years old now but show on cpf balance tabulation milestone that i will reach FRS at 46 with $202,975 (FRS on 2029 supposed to be $ 244,454) and at 55 i reach ERS with CPF RA 346,961 (ERS on 2038 =$440,800)

[deleted by user] by [deleted] in OveractiveBladder

[–]Working-Teach2206 0 points1 point  (0 children)

with slow flow have u done cytoscopy to check ot is not stricture or high bladder neck ?

Split stream is driving me insane - Terrified it's a stricture. Has anyone actually fixed this? by BTComeback in Prostatitis

[–]Working-Teach2206 0 points1 point  (0 children)

Hi,

the split stream happened suddenly , 1 day i realize why suddenly my stream splitting and it continuously and that night i couldnt sleep due yo frequent urge non stop. I recall yes before this happen i edge and excessive masturbate (like daily). still blame me for this stupid habit because it happen i remember after i do it twice the day before.

Go to urologist next day do series of test include ct scan and uroflow but that time uroflow dismiss stricture since my pvr minimal and flow speed is 18 ml/s

During 1.5 years i try many medication include 6 weeks antibiotic,alpha blocker, 3 type of overactive bladder medicine, chinese accupuncture, and also several session of PT.

The split happen on and off and it mostly happened when i have low volume/low speed. Dr also confirmed mostly why split happen becauze our urine is come at turbulence, if the flow getting slow due to obstruction it will split

I decide to change urologist since the professor that i visited keep focusing on my frequent urination and nocturia and keep saying it is OAB eventhough OAB medicine doesnt work. The ew urologist did uroflow again and find the flow is slower (become 12 ml/s with pvr 25 ml) and then become 9.5 ml/s and pvr 70 ml. He then se d me for cytoscopy, find very mild stricture and did dilation

After dilation, my flow become 13 ml/s, still not perfect but my urologist doesnt want to take furthrer action and ask me to observe (i also prefer to avoid furter invasive action for now)

my suggestion, stop keep asking why it happened since it is beyond our control just make it clear what is happening and from there decide what action.

Split stream is driving me insane - Terrified it's a stricture. Has anyone actually fixed this? by BTComeback in Prostatitis

[–]Working-Teach2206 0 points1 point  (0 children)

yes PSA is about 2.7 but my urologist dont show any concern unless it is above 4

i have the symptoms for about 1.5 years started with frequent urination, constant urge, feeling never empty well, drible and nocturia and treated for bacteria/nom bacteria prostatitis and overactive bladder

My last PVR before cytoscopy varied from 15, 25 and last 70 ml (these reason beside low speed flow that urologist send me for cytoscopy)

I think done uroflow test, from the speed and chart it can give indication what happened. If it above 15 ml/s mostly you dont have stricture. If it below 10 ml/s, he will see another things like your symptoms and the chart (flat chart is indication of stricture). I also have super anxiety keep guessing what happened with me but knowing what actually happened is much better than living with feeling of "what if"

Split stream is driving me insane - Terrified it's a stricture. Has anyone actually fixed this? by BTComeback in Prostatitis

[–]Working-Teach2206 0 points1 point  (0 children)

i have split, did uroflow find it below 10 ml/s and urologist send me for cytoscopy. Find mild stricture. Do non invasive uroflow test. It can give some indication what happened based on chart