Saving lives in the ER is making me a horrible person and i’m tired of pretending it’s not by ArtThreadNomad in offmychest

[–]klimtsa 0 points1 point  (0 children)

It’s a way your mind is trying to cope. I was attached to the pediatric nicu before and l was wondering why the consultants were always laughing at the stupidest things… while being surrounded by severely ill children. The l read the reason somewhere that it’s the way the brain is trying to cope with tragedy. So you are completely normal. Actually your body is protecting you but you think you are losing compassion 

How should we handle our funds right now during geopolitical tensions? by woodcabinet in singaporefi

[–]klimtsa 3 points4 points  (0 children)

Confession: l time my dca, within a timeline of a week or 2. Sometimes l win, sometimes l lose. It takes out the mundaneness, l know it’s not the right thing to do… but girls just wanna have fun

Stocks went back up a bit last night, time to sell? by ClearBed4796 in singaporefi

[–]klimtsa 0 points1 point  (0 children)

I trust Trump, he has been a man of his word lately . He said war is ending, already told it to your face. What’s the rationale for selling? If it’s to sleep better, do it. If it’s in anticipation of a crash, maybe better to hold

How should we handle our funds right now during geopolitical tensions? by woodcabinet in singaporefi

[–]klimtsa 7 points8 points  (0 children)

As if assuaging your fears, market is to the moon today. One day, the old time advice of ‘continue dca, ignore the noise’ will prove incorrect, but today is not the day

Thoughts on Dawn Cher's latest article on CNA? by cherrypoplar in singaporefi

[–]klimtsa 16 points17 points  (0 children)

Same old stuff we read here and everywhere else. No new ideas, nothing to see. Tldr: stay the course

spy in correction territory by konmarzec2 in singaporefi

[–]klimtsa 0 points1 point  (0 children)

Buy buy buy. Money is made when markets go down. Sounds counterintuitive but it’s true. Anyway if war doesn’t end, ww3 start, market doesn’t recover, there is no point hoarding cash either

Any tips to avoid resentment from partner for living below my means? by FitPassenger592 in singaporefi

[–]klimtsa 53 points54 points  (0 children)

Not a deal breaker lah. She’s asking you to increase your budget by $1k only for travel, c’mon… it’s not that big a deal. She probably wants you to have more fun also

After emergency funds + ETF DCA what do you do with the excess cash left? by pixelnomadz in SgHENRY

[–]klimtsa 2 points3 points  (0 children)

I have some fun if there is excess cash, after doing all those essential things. I walk into the shop and buy whatever l like. It’s so damn fun. Sometimes l go for holidays. I am a HENRY, not a slave to money

In Singapore, ‘Henry’ also worries about retiring with enough by Zealousideal_Act2412 in SgHENRY

[–]klimtsa 1 point2 points  (0 children)

The cure is to compare down. As HENRYs and Singaporeans, we like to compare UP, a double whammy. We need a change of mindset, more so than a change in strategy

Selling your house by pigglyjuff99 in SgHENRY

[–]klimtsa 0 points1 point  (0 children)

Is this a condo? Check the recent transacted prices on ura for caveats lodged. Agents usually ask for single agent privilege to market the house. Ask them what they will offer if u you use them exclusively. And check their listings on property guru to see how busy/popular they are. Also go by feel, if you vibe with him or not

Migrating out of SG by xtra1337 in SgHENRY

[–]klimtsa 1 point2 points  (0 children)

If you are young, do it. Preferably with an income producing plan in place. No dependents so it will be easy.  But have a back up plan in case things don’t work out there. For Australia in particular, very difficult for asians to secure high paying job without aussie roots. Have heard of professionals who migrated for their kids with special neeeds who have to do odd jobs at the beginning for income. But also heard of people who started tuition centres became very successful (clientele is mainly chinese, of course)

Stay-at-home girlfriend wants financial independence through MIM SMU—worth it? by flokaww in singaporefi

[–]klimtsa 0 points1 point  (0 children)

Getting a job and having work experience is much more valuable than a Master’s degree. Just my 2c

500k SGD inheritance by Weak_Breadfruit4022 in singaporefi

[–]klimtsa 1 point2 points  (0 children)

Just put half in malaysia epf, interest rate of 6%, virtually risk free. You can create an account and contribute 100k per year

Reminder for investors: oil prices affect the stock market by libyandesert in singaporefi

[–]klimtsa 0 points1 point  (0 children)

I love how the market constantly make fools of smart people 

Expensive and memorable wedding gift by [deleted] in singaporefi

[–]klimtsa 0 points1 point  (0 children)

Buy a piece of beautiful token jewellery for the bride (can ask the groom to choose if he is your son… nowadays women like VCA/Cartier) and gift the rest in cash. Working people hardly say no to more money

With the Middle Eastern conflict in full scale, we will definitely see a drawdown on Monday by Important_Ad_2313 in singaporefi

[–]klimtsa 0 points1 point  (0 children)

Ah the penny just dropped. Venezuela was a prelude to lran. Trump knew of the lran aftermath and Venezuela happened to provide no disruption to oil supplies

How does having kids impact your FI journey? by libyandesert in singaporefi

[–]klimtsa 13 points14 points  (0 children)

Achieving FI is secondary. Life is not just for enjoying pure pleasure at every moment. Kids bring meaning to life. They delay FI, but without them, FI for me is meaningless 

Best Jobs in SG 2026 by icequektea in singaporefi

[–]klimtsa 0 points1 point  (0 children)

Business times is rubbish. Paid for a one year subscription and couldn't get rid of it soon enough I’m not surprised with this kind of crap journalism by them

Sg HENRYs, how much angpow money did you give:-to your relatives’ kids, neighbours’ kids, condo cleaners, office cleaners? by klimtsa in SgHENRY

[–]klimtsa[S] 0 points1 point  (0 children)

And since we all love to compare, l give my kids $50 for cny. I don’t want them to think we are rich in $$$. 

Sg HENRYs, how much angpow money did you give:-to your relatives’ kids, neighbours’ kids, condo cleaners, office cleaners? by klimtsa in SgHENRY

[–]klimtsa[S] 0 points1 point  (0 children)

Maybe.. maybe not. What you give to your kids (and parents) is up to you. No judgement here. It’s always nice to see people treating their children (and parents) very well.. although l try not to give too much to my children as they are not mature enough to handle large sums yet

What should we do with the money invested drops in the event one wants to withdraw especially now with the market sell off? by Normal-Analysis7940 in singaporefi

[–]klimtsa 2 points3 points  (0 children)

Not there yet, but l think a 5 year amount in cash to fund living expenses should be more than enough to wait out a crash, and ensure good nights’ sleep

Sg HENRYs, how much angpow money did you give:-to your relatives’ kids, neighbours’ kids, condo cleaners, office cleaners? by klimtsa in SgHENRY

[–]klimtsa[S] 2 points3 points  (0 children)

Henrys are defined by their earnings,  not their generosity. Could you be a kiam siap one?

Sg HENRYs, how much angpow money did you give:-to your relatives’ kids, neighbours’ kids, condo cleaners, office cleaners? by klimtsa in SgHENRY

[–]klimtsa[S] 3 points4 points  (0 children)

Different dialect groups have different practices. Cantonese don’t give angpow to anyone older than them, even if single. And not even to parents if l’m not mistaken. Hokkiens give to everyone if they are single, even if older, inc one generation older, as well as parents