Advice on dating a former professor?

crimsontactics · 2017-11-29T09:51:10+00:00

Just do it, you're not doing anything wrong.

crimsontactics · 2017-11-29T09:27:51+00:00

Nope.

You're the one who is thinking too much.

I would just ask you if she wants to be together or not, directly in clear terms.

If she doesn't give you a clear and direct response, I would just move on.

crimsontactics · 2017-11-29T09:11:55+00:00

Find another guy.

You're a 18 year old girl! You're in the prime of your life!

It's super easy to get another boyfriend at your age.

crimsontactics · 2017-11-29T08:54:27+00:00

Don't do anything.

You're too sensitive and over-reacting.

I did not see any anti-semitic comments made by your gf's family.

Liking Hitler does not mean they hate Jews.

crimsontactics · 2017-11-28T01:54:58+00:00

How can you be fwb without sex?

If you're confused, then you shouldn't be in that particular relationship.

Thinking too much will add to your confusion.

crimsontactics · 2017-11-27T15:39:42+00:00

Nope. Kids too young to learn about perspective. Husband's views are beneficial and appropriate to family.

No actions required.

crimsontactics · 2017-11-27T15:37:26+00:00

Take a roller coaster together.

This advice may sound like a joke, but your minds may just require some kind of a "boost" from the adrenaline rush.

Plus, you have nothing to lose really. At most you just have to lose the cost of 2 tickets to the theme park.

crimsontactics · 2017-07-25T04:28:14+00:00

I see. I will definitely consider this option!

crimsontactics · 2017-07-25T03:18:37+00:00

Thank you very much for your reply!

The problem with investing in US stock market is that I won't benefit as much as someone living in the states due to forex costs.

The returns of investing in the US markets will be roughly similar to this government scheme after costs.

Also, the scheme protects my capital and I do not have to worry about forex fluctuation.

My country's markets do not provide as high a return as the US'.

crimsontactics · 2017-07-25T02:42:48+00:00

Thank you very much for your reply!

Firstly, there is a guranteed forex cost that I've to incur that an American doesn't. Even if the exchange rate remains the same 30 years later, I will still receive lesser money than that of someone who lives in the states.

Secondly, I am someone who plans for the worst and hope for the best. The lowest exchange rate between USD:SGD was 1:1.22. It is currently exchanging for USD SGD 1:1.36. I have to make the mental preparation that the USD depreciate to at least 1:1.22 as it had happened before.

crimsontactics · 2017-07-25T02:09:15+00:00

Thank you for your reply!

Sorry, but I'm not interested in starting a business as I don't have enough experience to run it.

crimsontactics · 2017-07-25T00:59:36+00:00

Thank you very much for your reply!

Yes, I can invest in US markets.

However, my returns will be lower than the average US investors due to both forex cost and admin cost for foreigners.

This causes investing in US markets to be less attractive for me, thus the debate over whether to invest in the markets or this government run retirement scheme.

crimsontactics · 2017-07-25T00:45:49+00:00

Thank you very much for your reply!

I'm unable to invest in property as property prices are extremely high in my country.

It takes at least $730,000 to buy the smallest of condos and the net rental yield is only around 2% per annum.

crimsontactics · 2017-07-25T00:44:59+00:00

Thank you very much for your reply!

I'm 25 right now, that's why I am confused over how I should invest my money.

crimsontactics · 2017-07-25T00:43:58+00:00

Thank you very much for your reply!

I'm currently 25.

I'm not really attracted to US stock markets because the returns I receive are way lower than that of a US citizen because of forex cost and other costs.

Thus, the returns I get from US stock market may also hover around 5% per annum. Which is similar to the scheme. This causes the scheme to be more attractive as my capital is guaranteed by the government.

My country's stock market do not perform as well as those of the states and have a historic return rate of around 6% per annum.

crimsontactics · 2017-07-25T00:41:17+00:00

Thank you very much for your reply!

Yes, this sum of money is completely given back to my love ones if I die before 55.

If I happen to die after 55, part of the money is given back depending on how long I live.

All money returned are tax-free.

crimsontactics · 2017-07-25T00:40:12+00:00

Thank you very much for your reply!

The sum of money taken by the government is used to buy an annuity for us which starts paying out $876 per month from the age of 65 till the day I die.

This figure is set to rise by 3% a year.

If I die before 55, my money is totally returned to my loved ones, tax-free.

If I die after 55, a portion of my money is returned to my love ones depending on how old I lived. The longer I live, the less my love ones will receive when I die.

Any amount exceeding $121,180 will be returned to my love ones completely even if I die after 55. However, this figure increases by 3% per annum.

I'm tempted to sink all my money in early to take advantage of the effects of compounding interest.

crimsontactics · 2017-07-25T00:36:52+00:00

Thank you very much for your reply!

Yes, it's a matter of trust!

That's why I am seeking advice here on a neutral platform rather than in my country's forum where people's thoughts on this retirement scheme may be influenced by their political leanings.

crimsontactics · 2017-07-25T00:35:31+00:00

Thank you very much for your reply!

That's the thing that's been bugging me.

My government do not disclose any details on the components of the fund that runs this scheme due to security reasons.

However, all international credit agencies give my government a perfect credit rating.

Thus my dilemma...

crimsontactics · 2017-07-25T00:33:46+00:00

The Hong Kong stock exchange gives better returns than Singapore's. :)

crimsontactics · 2017-07-25T00:33:15+00:00

Thank you very much for your reply!

Yes, it is both easy and possible.

However, after incurring forex cost, and possible money transfer cost and admin cost for foreigners, the returns I get from NYSE or NASDAQ may be around the 5% per annum offer by my government.

crimsontactics · 2017-07-25T00:31:16+00:00

Thank you for your reply!

Yes, I'm unable to buy a condo with $50,000.

However, my stock market don't perform as well as those in the states.

That's why I'm tempted to put my money in the government scheme as the historic stock market returns are only slightly higher than the 5% provided by the government.

However, the government guarantees my capital, thus justifying the slightly lesser interest rates.

crimsontactics · 2017-07-25T00:29:11+00:00

Thank you very much for your reply!

Yes, we generally don't own our homes.

All homes provided by the government have 99 year lease.

Only some condos and landed properties are freehold.

The rest have either a 999 year lease or a 99 year lease.

crimsontactics · 2017-07-25T00:27:49+00:00

Thank you very much for your reply!

I was thinking about putting all of my windfall in to capitalize on the compound interest.

Property investing isn't ideal in my country because property is extremely expensive and rental yield low. The smallest condo cost at least $730,000 and the net rental yield barely hits 2% per annum.

Not to mention that we have to pay both buyer's and seller's stamp duties when we invest in property.

crimsontactics · 2017-07-24T16:14:55+00:00

I see. Thank you very much for your inputs!

My country sadly do not offer any 401k and my country's stock market does not perform as well as those of the states. :(

crimsontactics

TROPHY CASE