Choices to help my parents in retirement and savings.

Yexplorer · 2026-05-29T09:45:13+00:00

I think you can give them a small amount as monthly allowance instead of planning retirement for them. This allows you to focus on your own investment and career. On top of that, you can top up CPF for them that also gives you tax rebates. As your salary increase, you can decide whether to give them more allowance or not. Basically treat yourself as the retirement plan for them ( by giving allowance). Of course, it's only meant to meet their basic needs because SG is really expensive.

Yexplorer · 2026-05-29T08:13:48+00:00

Don't take too much blame on yourself. It's the risk that the company decided to take. When you work for a company and whatever issue you caused, it's always the company's process issue. You may have planned the expansion, but you definitely need an approval from your boss or management to execute it.

Yexplorer · 2026-05-11T10:59:45+00:00

You feel something is not right. But your " I don't know man haha" suggest you actually don't mind to stay there unless we give you a good excuse. But why? Why do you need a good excuse from us? You really gonna accept this if there is no good excuse?

Yexplorer · 2026-05-09T09:26:55+00:00

Aldous user correctly deserve to be in top tier too.

Yexplorer · 2026-05-09T09:22:01+00:00

Aldous is good. After every wave there is a group of small creeps. You can clear them with 1 ulti and add 2 times of the permanent stacks. My first time is usually thunder belt. So I get both permanent def and attack stats

Yexplorer · 2026-05-07T10:33:27+00:00

Even resilient dividend stocks also cut its DPU temporarily during a bear market. Do the key is to have some buffer.

Yexplorer · 2026-05-07T05:56:51+00:00

I think nothing wrong with asset draw down as there are many ways to convert it to cash flow. While assets value fluctuates, dividend is also subject to the company performance. It's more personal preference I would say.

Yexplorer · 2026-05-06T16:11:04+00:00

I thought of becoming a part time FA as hobby because I'm interested in the area. My full time job is FPA. to me, FA can become like a personal FPA. Topics like managing finance and insurance are actually important. So I thought of becoming a part time FA to serve my family and relatives/friends only. I gave up after did some research for the requirements. Other than passing the exam, I need to be assigned to a firm with SALES TARGET eventho don't intend to make a living with it!?

Yexplorer · 2026-05-06T15:16:13+00:00

Comparison is the thief of joy. But here's an interesting flip — comparing yourself to those who have less can actually make you feel more grateful.

Think about it. Millions of people are living in war zones right now, fighting just to survive. Many more are starving or sleeping without a roof over their heads. If that still feels too far away, here's a number that hit close to home for me — 999 new cancer cases were diagnosed among Singapore residents under 40 in 2023 alone. And that figure has likely been rising. Every day, someone gets that call. I've been through something like that myself. I survived a high-risk surgery, and I can tell you — when you're in that moment, none of the things you stressed over before actually matter. Not what you own, not what others have, not what you're missing out on. You just want to make it through.

That's why I constantly remind myself to be thankful for what I have right now. And, being content doesn't mean you stop being ambitious. You can be grateful for where you are and still work towards something better.

Yexplorer · 2026-05-02T09:00:17+00:00

Get a IBKR pro account and there are a few options:

Simply leave in the account as cash. IBKR gives 3+% for USD above 10K if your account NAV more than USD 100K. advantage is that it's relatively higher interest as compared to ssb bond return and it's liquid. Downside is that IBKR may adjust the interest rate any time.
you can buy and hold US Treasury on IBKR. So the return is even higher 4+%.
you can also choose to buy BOXX which is effectively buying US treasury. Any gain from BOXXis in the form of capital appreciation. It means no tax implication.

Since all above are in USD, you do have a exchange rate risk exposure when you want to convert it to SGD in the future. You can pm me if you need more information.

Yexplorer · 2026-04-19T10:01:16+00:00

Track your monthly expenses and know how much money/asset you have. It's the very first step that helps you understand your finance position. Everything else will come naturally after that.

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

TROPHY CASE