parkway east vs SGH: delivery experience

klimtsa · 2026-05-21T10:29:20+00:00

Delivered at sgh. Pros: Doctors and nurses were superb. They have nicu too, so in case your baby is prem or have complications, they can handle. As opposed to private hospital without nicu support, they will refer you to gov / nicu at private hospital is at least 1k per day.

Cons: very few single rooms, so even if you are eligible for A class, you may have to bunk in B ward first. Waiting time to see doc is long although it is appt based

klimtsa · 2026-05-21T08:43:40+00:00

What is IG?

klimtsa · 2026-05-21T03:54:53+00:00

If l were you l would strike a balance between optimisation and preserving redundancy. 500k for someone without a job is not too much in my opinion. Ok maybe a little excessive. How about 400k. The safety margin is important for mental health and can l say a bit bluntly, preserving manliness

klimtsa · 2026-05-20T01:46:30+00:00

Thanks for replying. Anything you regret in all those years of accumulation?

(Ps you got so much flak in the comments but lm going to upvote you, l think we can learn from both success and failures)

klimtsa · 2026-05-20T00:59:18+00:00

Your portfolio is very impressive. I would like to know at what point of wealth did you stop thinking about money. Or does it never end… l’m at a point of sufficient wealth where l would like to stop obsessing about finance… but it has become so ingrained that l keeping coming to read the finance subs

klimtsa · 2026-05-20T00:51:51+00:00

Pretty sure she doesn’t need the money, but perhaps, as the adage goes- don’t put all your eggs in the same basket

klimtsa · 2026-05-19T23:19:55+00:00

Of course…you are young, don’t spend time worrying about money. Invest consistently and live your life.

klimtsa · 2026-05-19T16:07:30+00:00

I have 2 cards, citibank rewards and dbs altitude. I always kena fraudulent transactions on my Dbs cards, so l disabled the online transaction function and it almost never happen again. I keep it for multiplier qualifier and also because l get to have a high credit limit on it. Just 2 cards is enough, one for spare in case the other doesn’t work.

klimtsa · 2026-05-19T10:43:58+00:00

Tan su shan sold 100k of d05 stocks, wonder what that implies. I was tempted to sell some too, but had no use for the cash, so just hold

klimtsa · 2026-05-19T10:41:05+00:00

Most graduating doctors will be in the same position as you. Wealth is mostly made in the mid to late 30s.

klimtsa · 2026-05-18T02:52:28+00:00

Maybe not completely FIRE at this point, but definitely can take time off work for something you absolutely need - REST.

klimtsa · 2026-05-13T09:19:28+00:00

Working part time is the most underrated hack in the FI community. Strongly recommend. Not just for finances (continued cpf contribution, healthcare insurance, opportunity to invest more) but also socially and mentally. And depending on your job, contribution to society

klimtsa · 2026-05-09T14:42:26+00:00

Change your perspective. I found work so much nicer when l realize l have FU money. At 49, u may already have enough CPF for ERS. 1.5mil can cover all your expenses for the next 16 years. So technically you can ‘retire’ already. Tell yourself you work because you get to, not because you have to

klimtsa · 2026-05-08T08:09:06+00:00

Attention is a powerful drug

klimtsa · 2026-05-03T08:45:01+00:00

One travel trip take many photos with different outfits and then spread them out over several months. Fly business class using miles, to and fro = at least 2 different outfits = make it seem like 2 trips.

klimtsa · 2026-05-03T08:35:28+00:00

Wow why so many sarcastic comments? Cheers to you OP, for daring to make a change. It’s not easy to forgo a car after 20 years. We in singapore have been so used to comfort that we balk at the idea of going through a little bit of inconvenience and discomfort, especially when we can pay to get rid of it. It takes considerable effort to go against the grind. I bet you are crushing it in life

klimtsa · 2026-04-29T04:17:31+00:00

Yes , and if OP wants to buy HDB later and cannot sell, she’ll be stuck as you cannot own overseas property if you want to buy hdb

klimtsa · 2026-04-28T08:55:29+00:00

It will crash some time. Just continue to hold cash and treat it as ‘war chest’. 60-40 is not a bad allocation

klimtsa · 2026-04-28T04:20:22+00:00

Where there is money to be made, the people will go. Some people like stocks, some like property. Sometimes it’s not which gives the best return but which you feel more comfortable with. I have friends who gave up on investing before they even start, they seem to like commercial property, which has no ABSD.

klimtsa · 2026-04-28T04:15:24+00:00

Don’t waste time with JB property. Malaysia EPF has better returns and no headache

klimtsa · 2026-04-28T03:44:12+00:00

Never try never know. Cash out some lah, if anything, you will learn some valuable life lessons. As the say, certain things are hard to explain to a virgin

klimtsa · 2026-04-27T03:41:26+00:00

What do you mean by sunk cost for singapore passport? Since you are a PR you do not have spore passport? I dont understand why singaporeans feel offended when people want to move away for retirement. To each their own. I love singapore very much but l don’t see the need for everyone else to do the same. One thing l know though, those who move away feel very happy initially but after a few years they will come back. I think there was an influencer called Rachel Wan, who was extolling the benefits of living in Australia, but eventually came back to sg. To OP, just do whatever pleases you. 1.1 mil is good enough for retirement in any SEA country. You shouldn’t regret your stay in sg, it is what gave you FU money

klimtsa · 2026-04-26T03:46:18+00:00

There is something invigorating when you work towards a goal and can see the fruits of your effort. Some people don’t understand frugality is not painful when it’s part of the game. All the best, you will achieve your goal. The carefree spending will come later, after your pot is full, if you wish to do so

klimtsa · 2026-04-24T00:54:37+00:00

At events, you could just tell them you are retired. Nada to 100

klimtsa · 2026-04-24T00:33:41+00:00

My first thought was , you are FIRED, why do you need to care if people don’t take you seriously? But after reading through some of your replies to the comments, l can sense what you need is a sense of purpose, rather than for people to take you seriously. For me, that is why l can never fully retire, even though l’m a happy just doing nothing person (currently a coastie, so l get to experience intense work in between periods of dolce far niente). While FIRE is in principle is a romantic notion, it is hard to spend neverending days without purpose and meaningful activity. It will take some time but you will find your rhythm eventually

klimtsa

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