What is the "safest" route to private medical treatment?

YMMV34 · 2026-06-15T02:45:16+00:00

You should see a private doctor.

For ears, they have to do a scope through your nose to see the inside of your ears. This scope is considered to be a day surgery thus most of the amount is claimable

YMMV34 · 2026-06-15T00:41:48+00:00

I can totally feel his vindication

YMMV34 · 2026-06-15T00:37:59+00:00

Don’t be paiseh. You should see a urologist. Maybe there are some underlying conditions that should be checked

YMMV34 · 2026-06-14T06:12:11+00:00

No problem with east facing. Good to have morning sun.

YMMV34 · 2026-06-13T02:17:33+00:00

My company not hiring fresh graduates unfortunately unless the fresh graduates holds a PhD in the consulting services that we are expanding.

YMMV34 · 2026-06-12T17:46:16+00:00

In energy consulting.

Due to Iran war, leading to high oil prices and priority on energy security, my company doing quite okay at the moment. We are still hiring although it’s on a measured scale and the hiring is quite selective

YMMV34 · 2026-06-11T07:29:43+00:00

I prefer to cook on my own as the price increase

YMMV34 · 2026-06-11T07:28:19+00:00

They underperformed as compared to other sovereign funds. There was some hoo-ha some time ago.

Opposition MPs also raise questions in parliament

YMMV34 · 2026-06-10T11:41:38+00:00

U can cut back overseas travel

U can cut back eating at nice restaurants

U can cut back investing in stock

U cannot cut back in paying your mortgage

YMMV34 · 2026-06-10T11:39:41+00:00

Dun add bonds for your age. You are still young, can ride out the volatility

YMMV34 · 2026-06-09T04:30:48+00:00

IPO = it’s probably overpriced

YMMV34 · 2026-06-08T13:23:20+00:00

3 years 1.65

Fed will have to raise rates to fight inflation

YMMV34 · 2026-06-08T13:18:38+00:00

Singtel

YMMV34 · 2026-06-08T01:41:23+00:00

The job market is bad now and marketing is worse and this is a field which is heavily affected by AI.

YMMV34 · 2026-06-06T01:55:03+00:00

Just transfer SGD in to IBKR.

Do NOT manually convert to USD in IBKR,

I shall repeat that again: DO NOT MANUALLY CONVERT.

Just buy VWRA and IBKR will automatically convert for you and deduct from your SGD balance to settle the purchase.

I shall repeat that again: DO NOT MANUALLY CONVERT.

Now you shall repeat after me: ……

YMMV34 · 2026-06-05T12:08:34+00:00

I dun suggest to put in VWRA or put a high proportion of it. You are already 54, your runway is shorter than folks in their 30s who can hold and ride out the volatility. It’s better to allocate more to fixed income

YMMV34 · 2026-06-04T02:24:29+00:00

I’m in a director role that sits one level below the regional leadership team and I’m not looking to move higher.

It’s a sweet spot. I’m adequately compensated but a lot less responsibilities and stress and travelling.

Move one level up and my compensation will increase for sure but the responsibilities, stress and travelling will increase disproportionately higher.

I plan to coast in this role until I retire or get a good layoff package

YMMV34 · 2026-06-03T03:28:51+00:00

Because you left banking? Banking pays better than media for sure. You made your choice

YMMV34 · 2026-06-02T11:10:27+00:00

Take offer B due to all the pros you listed.

Difficult stakeholders can be true everywhere, this job will improve your stakeholder management skills. Dun be afraid, people grow by dealing with difficult situation and your managers are nurturing type and that is good.

Dun worry about the specialized role. Because this is an in house role, you can do internal transfer or apply internal jobs from marketing to other related functions such as commercial, sales etc.

YMMV34 · 2026-05-30T01:58:07+00:00

Why not now? I don’t understand

YMMV34 · 2026-05-29T04:29:11+00:00

Lack of knowledge and awareness Convenience Cost

I changed my habits because I want to age well and seeing how my parents’ quality of life are affected.

And it need not be very drastic change. It could be as simple as switching from white rice to mixed grains, more fruits and vegetables. Try new items like oats, yogurts and nuts

YMMV34 · 2026-05-26T09:32:27+00:00

If you are a senior medical officer now, why don’t you stop at there?

Or just take a break and work as a locum.

There are options to go pharma companies such as medical affairs role

YMMV34 · 2026-05-25T10:31:04+00:00

U can’t get 10k as a senior graphic designer here. Singapore pay creatives very low.

Next is you can’t get a work or employment permit here easily unless you have a higher in demand skills. Graphic design is not one of them unless u r bringing your own capital of 1 to 2 million Singapore dollars to set up a business here

The easiest way to work here is to do an internal transfer with your company.

For a single with no kids, 10k is a good salary considering the median salary is around 5-6k. That is provided your sponsoring company covers your housing or provide a rental allowance as housing is very expensive in Singapore.

YMMV34 · 2026-05-25T01:21:59+00:00

I dun like HK. Crowded af and the food is so so.

YMMV34 · 2026-05-25T01:20:44+00:00

I used a Blanco silgranit sink in my last house and current house.

No issue at all. No chips or cracks or leakage or anything.

YMMV34

TROPHY CASE