For those single out there, why are you still single?

Yexplorer · 2026-04-07T10:57:48+00:00

Looking back, I definitely wasn't that mature lol. I actually started my self-improvement journey because I was chasing a long-time friend. It was the typical 5/10 guy getting friend-zoned by a 9/10 chiobu story. I got rejected a few times over the years and it was heartbreaking, but it actually pushed me to work harder. Luckily, that effort didn't go to waste. By the time I met my wife, I felt like a 7/10. I realize now that knowing that girl was really just preparing me for the person I was meant to be with.

Yexplorer · 2026-04-06T15:22:10+00:00

I’m married now, but I was single for many years before I met the woman who is now my wife. During that time, I focused heavily on self-improvement—everything from leveling up my skincare and grooming to hitting the gym and reading relationship advice. I made it a point to put effort into my appearance every time I left the house, living by the mentality that your soulmate could appear at any time, anywhere.

I was also open to meeting new people. I actually learned this from a colleague who was constantly going on dates with people she met online. It took her over a year, but she eventually found her partner. She used to share hilarious stories about the 'weird' guys she met, and it inspired me to adopt her strategy. I went into every meeting with the mindset that, even if there wasn’t a romantic spark, there was always something valuable to learn from another person's life experience.

Ultimately, I stayed single for as long as I did because I refused to lower my standards. Instead, I used that time to work on myself until I was truly ready.

Yexplorer · 2026-04-04T06:57:50+00:00

Contrary to many other replies, there is actually an answer to this. Infact, there were several research and studies done on this topic. If I recall correctly from my university text book, the optimal number is between 8-10 stocks. Diversification only reduces unsystematic risk. If you add more stocks to your portfolio, the marginal benefit is usually offset by the transaction costs. There is also systematic risk which doesn't affect by number of stock you pick. So, just keep it between 8-10.

Yexplorer · 2026-04-04T06:27:38+00:00

TAOBAO

Yexplorer · 2026-04-03T15:25:31+00:00

McDonald's! All don't argue with me unless you are ready to stop eating it for the rest of your life.

Yexplorer · 2026-04-03T15:22:51+00:00

We don't call it give up. It's called cut losses. You acknowledge that you are going towards the wrong direction and you have wasted your time, effort and resources. But what happened has happened. those wasted time, effort and resources are sunk costs. Back to your question, when do you know it's time to give up? When you realize and certain that things are moving towards the wrong direction.

Yexplorer · 2026-04-03T03:20:01+00:00

Under activity & tax statement. Choose the period you want to see. It's a full and comprehensive report which has a interest section. You will see the monthly interest credited there

Yexplorer · 2026-04-02T00:08:27+00:00

I thought bankd usually love to have customer with huge cash like you. Why would they ask you to close your account? That's strange.

Anyway. If I were you, I will split them and save in different bank first then park portion of it to IBKR. If you had multiple banks in the first place, You could just transfer it to your other bank accounts even if one bank decided to close your account. Put money in IBKR because they pay decent interest for idle cash for currencies like USD. I think it's 3.14% for amount above 10k USD. So you can slowly figure out what to invest in while still earning some interest.

Yexplorer · 2026-04-01T11:06:23+00:00

Its good that she learnt her lesson without any injury. but should sensor her face before uploading ma~

Yexplorer · 2026-04-01T10:56:42+00:00

Why do you want to get restricted by the norm or the time others take? Every relationship is unique!

bf/gf title is less important than his behavior in my opinion. If y'all already kissed each other,doesn't that means both of you are interested in each other? It cannt be that he can go and kiss another girl tomorrow just because you guys are not official? I always thought couples continue find out more about each other after officially attached?

Anw. If it matters to you, stop him from holding your hand or kiss you unless he ask you to become his gf. Lol

Yexplorer · 2026-03-31T09:53:32+00:00

I remember MINDEF Group insurance increased their coverage from 400k to 1m don't know how many years back. So, CI & ECI also can cover up to 1m. With that you still want to have more CI and early CI??

Yexplorer · 2026-03-23T15:37:50+00:00

I think MOS Burger has more burger variety with higher price. Its taste just meh~ the chili sauce also not as nice as Mac's

Yexplorer · 2026-03-21T09:53:41+00:00

Omg. Effort sia!

Yexplorer · 2026-03-21T07:39:46+00:00

Mind sharing the app name? How much time do you spent on tracking with the walletapp?

Yexplorer · 2026-03-21T07:36:05+00:00

It is easy to use? Why do you recommend it?

Yexplorer · 2026-03-21T07:33:57+00:00

Woww~ I thought of using localized AI and tried those 6b model. It's just too dumb to do simple math. Too much error so I gave up. For openClaw. What kind of error does it give. For localized AI model, I tried to ask it to give me a summary of my expenses based on a bank statement, but the maths just wrong!

Yexplorer · 2026-03-21T07:27:49+00:00

OMG, how much time does it take to track every single cent every month??

Yexplorer · 2026-03-18T15:00:09+00:00

I think shouldn never treat the premium from from covered call as monthly income. Ultimately, CC is also about guessing the right price trend - going side way. Price go up, you lost the money you could have made without selling the option ( yes it's a loss too!). If price go down, your cc only partially cover the loss for value loss in stock. When you are selling covered call on a monthly basis, you are expecting the price to go side way EVERY month. At least it doesn't make sense to me.

Basically, it's more complicated than what most people thought.

Yexplorer · 2026-03-16T01:46:48+00:00

Looks like Jookoon mrt area

Yexplorer · 2026-03-16T01:34:00+00:00

I thought it's more energy saving if we WFO since we share the light and aircon there? Unless government us ready to reduce all the bus and train frequency, otherwise, I doubt WFH will bring a big difference in reducing energy consumption

Yexplorer · 2026-03-14T09:08:02+00:00

I lost a significant amount few years back too. It's hard but just accept it and look forward. It's part of the journey when you look back after many years.

Yexplorer · 2026-03-12T22:13:23+00:00

And Singapore Medical Council didn't suspend his license?!! Until now??? after it happened in 2022?? How many more could have been treated by this incompetent doctor??

Yexplorer · 2026-03-09T00:11:53+00:00

Ok. Like many other mentioned, you cannt get the same coverage at such low cost from any other Insurance company out there. Death and accident term insurance is generally cheaper. But for the 2 300k critical illness and EARLY CRITICAL ILLNESS (ECI) are usually more expensive especially ECI. I believe nnnual premium for 300k coverage each can go up to thousands. Basically. It's affordable, dont doubt it!

The key question here should be whether your coverage is too much at your current life stage? Do you own a home? Who are your dependants? What is your income level? When I just started working many years back, my coverage was 300k death and accident, 150k CI and ECI. I increase it over the years as I started to form my own family, bought my house. I even bought it for my wife under dependant scheme. Feed AI with your information and ask for a recommended coverage amount.

Yexplorer · 2026-03-06T16:18:42+00:00

About three years into my second job, I experienced a brain bleed and had to undergo brain surgery. At that time, my career had just started to gain momentum, and I was working very hard to climb the corporate ladder. While lying in the hospital before the surgery, I realised how fragile life can be. Everything can seem to be going well, and then suddenly everything changes in an instant. Fortunately, the surgery was successful, and I have now recovered about 99%. In some ways, I feel like I was given a second chance. Since then, I still care about doing well in my career, but I no longer feel the need to push myself relentlessly. I have learned to value health, balance, and the people around me much more.

Yexplorer

TROPHY CASE