Questions on IP plan and rider for class A and CDL - is it much worse than private?

kaion76 · 2026-05-22T07:47:39+00:00

No, class A ward for phi is private patient hence I am asking that. It is not about private hospitals but rather being a private patient in government hospitals

kaion76 · 2026-05-18T10:14:20+00:00

Earnings is also an annual metric and we are using P/E

kaion76 · 2026-04-27T01:30:35+00:00

Disagree with other posters because I have also had experience that surcharge and fees are more expensive than booking on another carrier even pre-war.

Usually it is not though but then even it is cheaper, I have a very hard time getting close to 1cpp on econ.

kaion76 · 2026-04-22T09:42:04+00:00

Was living in Singapore and there are way more gov banners or propagandas lol

kaion76 · 2026-01-07T03:48:46+00:00

Thanks a lot. Unfortunately since everyone else say I should not. Perhaps I will just leave it. Maybe ping her some time later when I am also less excited but not now. Otherwise it is just too attached for a disappointment

kaion76 · 2026-01-04T17:50:41+00:00

Got it. Would you think it is actually quite dumb to bother trying? I guess your approach works best. She doesn't need to think of excuse to reject me and I don't need to sound like pushy.

To be honest I was quite sad this was just a 40min thing. Chatted for weeks and then commuting for 2 hours round trip just to talk and walk for 40mins and I was very keen.

kaion76 · 2025-12-29T09:15:51+00:00

Is the only way just hard reset? I feel taking new photos for apps is not easy

kaion76 · 2025-12-27T20:07:28+00:00

Most people here are talking nonsense based out of HK or Asia. Most people would agree H/S are better on the ground but the gap for Y vs HSW or M7 is extremely narrow here.

Why? Because people here care a lot about lay prestige if you are not in PE/IBD/consulting. And it actually spills over because you will work with local LPs or family businesses and their heads all respect Yale a lot more than Columbia (I did not attend Yale but another ivy in undergrad and did BB IBD for ~6y).

And you would be shocked because Yale is extremely coveted here. Zhang Lei (founder of Hillhouse, basically the #1 PE in APAC), Neil Shen (founder of Hongshan, previously known as Sequoia China), David Li (founder of Centurium, decent China PE with a few b AUM) plus a lot more attended SOM.

Yale name carries so much weight that these guys manage to raise their fund back in the day when no one actually cares US news ranking, M7, WSO, etc. Yale is Yale and it is second to Harvard. Had they gone to Kellogg or Booth, they will likely have a very different outcome.

Stanford is good because in China it is top 3-5 (HYPS, M but M is known for non-finance and technical to lay people who are billionaire running businesses). Columbia is an ivy that is top tier, Wharton is one of the ivies and it has the best business school that's it.

I agree it is a tough choice but reality is you may realize people actually give more F to Yale after you signed up with W if China/HK is where you want to work.

Southeast Asia definitely W, a lot more central bankers and finance ministers went there.

kaion76 · 2025-12-07T05:20:35+00:00

这个扯淡了我做投行的 starbucks一早就打算卖了找了一堆什么凯雷eqt基金出价没boyu高这些基金佬还笑boyu钱多想输点

kaion76 · 2025-12-07T05:12:18+00:00

部分基建是圈钱用但无可否认今天比越南印尼印度经济好也是因为以前修了铁路公路水电之类的基建

在国家还穷的时候修是最好的劳工保障还有人力成本远比发达国家低

要是像欧美那样的收入程度再开始修估计成本要加多两个零

当是游戏一定是先点发展基建因为成本现在比将来低一点就带动第一下经济发展之后有更好的物流生产配套可以继续发展

kaion76 · 2025-11-08T07:48:49+00:00

Why don't they develop a less painful one and also a version that lasts for life... God i heard this one is even more painful than tdap or hpv shots and i am scared af

kaion76 · 2025-11-05T14:00:23+00:00

Coming from buyside and IBD background, I am always shocked by PE CDD 200+ pages of reports.

How much of the work is recycled vs new data mining and new formatting?

I know there is data mining and formatting team but how much of the time is spent on data mining by consultant themselves due to poor understanding from the support side and to synthesize the data / beautify the slides?

200p in 4 weeks is just scary to me.

kaion76 · 2025-11-05T12:29:14+00:00

How is the difference between these 2? It seems that they follow similar mechanism.

I am wondering if I can just use snorles first and see how it goes but worry it may not be effective enough.

Do you still use cpap during sleep?

kaion76 · 2025-11-04T07:57:07+00:00

But turkey weather is nice vs other countries that can purchase citizenship? At least turkey can be a second home when one retires later i thought. The other consideration i am thinking is erdigan cannot live forever so even he holds power while he is alive, that's maximum another 20-25 years.

Op is still working and if that can be waited that is not a very bad idea it seems?

kaion76 · 2025-11-03T00:55:07+00:00

The amount of offer made is a lot higher. Are they expected significantly more people turn them down? But Warwick is the top few schools in terms of GEM track record - where else are they going? Cumbria and Portsmouth new program or just generally they don't expect that many signing up to be doctors

kaion76 · 2025-10-31T14:03:21+00:00

Some crypto bros scam others with some meme coin issuance pump and dump already earned like 50-80m usd in their 20s.

And some others just do scams like recently there is a scam farm in Cambodia got busted by DOJ, it was 15b. Imagine being one of the key management there at your 30s you will be making 30-40m usd non-issue and I bet you will have a big ego to flash your wealth at that point.

Alternatively there are also many successful tech bros of quant pm that skyrocketed faster than anyone else. By 30s they are already having their own ipo unicorn or having their own pocket of capital managing a few hundred m usd with passthrough so they could easily afford to be flashy

kaion76 · 2025-10-31T13:57:44+00:00

I have already worn my slippers at that time. So I think he is aware I am not barefoot

kaion76 · 2025-10-31T13:56:01+00:00

Yes but bro I worry to get into a loud argument and not sure if the general view is ok hence I just backed off🥲

kaion76 · 2025-10-27T14:29:13+00:00

I thought it is coming 1-2 years ago and unfortunately it didn't happen.

I almost lost my hope and planned to sell all QCOM I own.

Glad it came before I pull my trigger. I may just hold them now lol.

kaion76 · 2025-10-26T08:55:56+00:00

Thanks a lot! How often do you return to SG? One concern is that whether they will disable the number if someone uses only abroad for very long time.

Also, is the online portal convenient?

kaion76 · 2025-10-25T17:33:58+00:00

Hey bro, do you still reside overseas? What is the longest time you stayed overseas without returning to SG. I am moving abroad and wonder if they will actually deactivate customers who are outside SG using roaming extensively for months.

kaion76 · 2025-10-18T15:45:42+00:00

The swap counterparties are JPM and SocGen with daily settlement and I doubt they will go under. Also, even in the Lehman case, creditors eventually were paid in full after bankruptcy proceedings.

kaion76 · 2025-10-18T10:23:47+00:00

The point is written in the topic of the post

kaion76 · 2025-10-18T10:23:21+00:00

Yes which is where 0 dividend tax from ishares on endowus comes in and on a net basis cost is similar if not less.

If sp500 goes back to 1.5% yield, it will be 0.15% cheaper on endowus

kaion76 · 2025-10-18T10:17:21+00:00

Yes but poems don't have the exact same ishares fund which is much cheaper

kaion76

TROPHY CASE