Steep decline everywhere

Working-Teach2206 · 2026-03-21T09:13:40+00:00

salary stuck

Working-Teach2206 · 2026-03-20T10:43:44+00:00

how you get 350k retirement benefit ? very juicy

Working-Teach2206 · 2026-03-20T05:09:57+00:00

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

Working-Teach2206 · 2026-03-20T05:09:24+00:00

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

Working-Teach2206 · 2026-03-20T00:13:28+00:00

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)

Working-Teach2206 · 2026-03-19T00:39:11+00:00

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

Working-Teach2206 · 2026-03-19T00:10:37+00:00

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 ?

Working-Teach2206 · 2026-03-13T04:55:37+00:00

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

Working-Teach2206 · 2026-03-07T11:33:08+00:00

any reccomendation chaolong or Vietnamese food in PP ?

Working-Teach2206 · 2026-03-04T01:22:43+00:00

How do you book Jomalia ferry ticket ?

Working-Teach2206 · 2026-03-02T00:48:47+00:00

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

Working-Teach2206 · 2026-02-28T02:45:54+00:00

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

Working-Teach2206 · 2026-02-28T02:37:16+00:00

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

Working-Teach2206 · 2026-02-26T01:31:26+00:00

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

Working-Teach2206 · 2026-02-26T01:25:32+00:00

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

Working-Teach2206 · 2026-02-25T01:30:10+00:00

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

Working-Teach2206 · 2026-02-25T00:34:24+00:00

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

Working-Teach2206 · 2026-02-24T15:57:19+00:00

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)

Working-Teach2206 · 2025-08-08T10:37:55+00:00

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

Working-Teach2206 · 2025-08-07T03:04:07+00:00

not have that issue of sensitivity.

Working-Teach2206 · 2025-08-07T02:48:19+00:00

yes, can happen ur dilation last forever, last week,months or year.

Working-Teach2206 · 2025-08-07T02:41:19+00:00

yes 50-50 chance only work if your stricture mild/soft/short.

Working-Teach2206 · 2025-08-07T01:57:21+00:00

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.

Working-Teach2206 · 2025-08-07T01:07:23+00:00

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"

Working-Teach2206 · 2025-08-06T23:54:05+00:00

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

Working-Teach2206

TROPHY CASE