Instead of buying a landed?
Can have S$5k a mth for 30 years.
Tired of patient complaints at work threatening my rice bowl.
They say I uncaring Dr, too rushed, going through the motion.
Xian, must give TLC to every patient.
Quote from: Mummy1234 on Oct 18, 2024, 06:02 PMInstead of buying a landed?
Can have S$5k a mth for 30 years.
Tired of patient complaints at work threatening my rice bowl.
They say I uncaring Dr, too rushed, going through the motion.
Xian, must give TLC to every patient.
if me moi will leetire, 5k a mth for 30 years.
assume chiu 48 yr old nao chiu will be 78 yr old by end of it.. time to go too
:flash:
Quote from: jim889 on Oct 18, 2024, 06:04 PMif me moi will leetire, 5k a mth for 30 years.
assume chiu 48 yr old nao chiu will be 78 yr old by end of it.. time to go too
:flash:
Ya, trying to convince my hubby.
Scary, very stressed now after my supervisor Dr talk to me.
He says there r Dr's sacked for too many complaints before in the company
I scared to exercise my otp now.
Later no job and have 3 years SSD.
I think I must go for eyelash extension. I put and for months there were no more complaints. Now, I remove it, complaints come.
Dr also must look pretty to reduce complaints.
Quote from: Mummy1234 on Oct 18, 2024, 06:07 PMI scared to exercise my otp now.
Later no job and have 3 years SSD.
if chiu dun exercise chiur otp wat ish chiur penalty?
moi tot chiu gotch a good deal.. :s11:
be gp huai sked nose jod ...
if patient komplain then chiu slowly take chiur time to see them roh see less patients a day roh.
:s11:
Quote from: Mummy1234 on Oct 18, 2024, 06:06 PMYa, trying to convince my hubby.
Scary, very stressed now after my supervisor Dr talk to me.
He says there r Dr's sacked for too many complaints before in the company
just change klinik roh.. :s11:
Quote from: Mummy1234 on Oct 18, 2024, 06:09 PMI think I must go for eyelash extension. I put and for months there were no more complaints. Now, I remove it, complaints come.
Dr also must look pretty to reduce complaints.
since chiu noe the answer liao better do that to protect chiur lice bowl. no harm one.
but moi think woman always wan to see woman doctor..
man always pick man loh koon.. sked to show moi xdd to female loh koon
:frown:
Quote from: jim889 on Oct 18, 2024, 06:10 PMif chiu dun exercise chiur otp wat ish chiur penalty?
moi tot chiu gotch a good deal.. :s11:
be gp huai sked nose jod ...
if patient komplain then chiu slowly take chiur time to see them roh see less patients a day roh.
:s11:
My colleagues all see very slow, I think I must be like them.
Often rush to see cause too many in the queue.
I dun think got penalty just lose my 170 k deposit
Quote from: Mummy1234 on Oct 18, 2024, 06:13 PMMy colleagues all see very slow, I think I must be like them.
Often rush to see cause too many in the queue.
I dun think got penalty just lose my 170 k deposit
then chiur penalty ish $170,000.00 roh.
can loose ah?
moi dun have this $$$..
huai not chiu just do a flip, finish the transaction.
renovate the place then put in market for $4m.
3 mths after transaction gaotim.. 600k profit
:flash: :flash:
Quote from: jim889 on Oct 18, 2024, 06:16 PMthen chiur penalty ish $170,000.00 roh.
can loose ah?
moi dun have this $$$..
huai not chiu just do a flip, finish the transaction.
renovate the place then put in market for $4m.
3 mths after transaction gaotim.. 600k profit
:flash: :flash:
12% SSD in first year.
How, I very stressed now. Dunno whether to exercise OTP or not.
Quote from: Mummy1234 on Oct 18, 2024, 06:17 PM12% SSD in first year.
ya but chiu dun hold for 1 yr. do a flip 3 mths can finish.
simple reno can liao chiu can spend 170k as budget for the reno too otherwise forfeited moar wasted.
:flash:
Quote from: Mummy1234 on Oct 18, 2024, 06:18 PMHow, I very stressed now. Dunno whether to exercise OTP or not.
already tell chiu the solution..
loosing $170k is big deal
:eek: :eek: :eek:
Quote from: jim889 on Oct 18, 2024, 06:20 PMalready tell chiu the solution..
loosing $170k is big deal
:eek: :eek: :eek:
Flip within one year also 12% SSD.
Found the solution.
Borrow a bit more so that we can survive for 3 years.
Quote from: Mummy1234 on Oct 18, 2024, 06:50 PMFlip within one year also 12% SSD.
Found the solution.
Borrow a bit more so that we can survive for 3 years.
chiu borrow from who.. moi also wanna borrow
:flash: :flash:
Quote from: jim889 on Oct 18, 2024, 06:51 PMchiu borrow from who.. moi also wanna borrow
:flash: :flash:
Standard Chartered
Showfunds 1.5mil get 1.705mil loan.
Quote from: Mummy1234 on Oct 18, 2024, 06:56 PMShowfunds 1.5mil get 1.705mil loan.
wow moi dun have 1000 dollar.. how to have 1million.
so moi gotch moi 1000 dollar.. then show 1500 can get 1705 dollar? $200 nia??
:s11:
Quote from: Mummy1234 on Oct 18, 2024, 06:02 PMInstead of buying a landed?
Can have S$5k a mth for 30 years.
Tired of patient complaints at work threatening my rice bowl.
They say I uncaring Dr, too rushed, going through the motion.
Xian, must give TLC to every patient.
In this case:
I would choose retirement over landed because I prioritize my mental health over an expensive lifestyle. Health is wealth.
Sell house put in fixed d yearly can get at least 3% annual returns
Quote from: Mummy1234 on Oct 18, 2024, 06:07 PMI scared to exercise my otp now.
Later no job and have 3 years SSD.
What's otp And SSD?
Quote from: oldchangkee on Oct 19, 2024, 03:11 PMWhat's otp And SSD?
Option to purchase and sellor stamp duty
Will borrow S$1.7 mil by showfunds S$1.5 mil.
Extra to ensure we can survive next 3 years.
Need to exercise otp if not lose S$170k.
3 years later, may sell and buy hdb and retire if really no job.
If you need to ask this question, means confirm you are not ready to retire..pls carry on working..thank you
CheerS!!!😉
Quote from: Mummy1234 on Oct 18, 2024, 06:06 PMYa, trying to convince my hubby.
Scary, very stressed now after my supervisor Dr talk to me.
He says there r Dr's sacked for too many complaints before in the company
is your hubby steel jodless?
Quote from: Mummy1234 on Oct 19, 2024, 05:18 PMWill borrow S$1.7 mil by showfunds S$1.5 mil.
Extra to ensure we can survive next 3 years.
Need to exercise otp if not lose S$170k.
3 years later, may sell and buy hdb and retire if really no job.
Anyone can explain what's showfunds, option to purchase? Thank Chiu
:s12:
nah u retire nothing to do and life can get boring.
Maybe take a simpler job maybe those doctor do consultation online ?
Or those simple neighbourhood clinic, anything serious you refer them to the polyclinic.
yeah those online loh koon gibe 1 or 2 day mc kind
jin ho tan for just 10 seconds jod
:s12:
Quote from: vezelover on Oct 19, 2024, 10:09 PMis your hubby steel jodless?
Ya for 3 years already
Quote from: oldchangkee on Oct 20, 2024, 10:58 AMAnyone can explain what's showfunds, option to purchase? Thank Chiu
:s12:
Showfunds means u show bank yr money and they lend u more.
OTP is what u sign when u wanna buy a house
Quote from: jim889 on Oct 20, 2024, 11:49 AMyeah those online loh koon gibe 1 or 2 day mc kind
jin ho tan for just 10 seconds jod
:s12:
I need to be full reg to practise elsewhere.
Now I conditional reg for 3 years already, lower pay, gonna get full reg soon so hope I dun kena pok before then.
If not maybe have to start all over elsewhere.
Quote from: Mummy1234 on Oct 20, 2024, 01:24 PMI need to be full reg to practise elsewhere.
Now I conditional reg for 3 years already, lower pay, gonna get full reg soon so hope I dun kena pok before then.
If not maybe have to start all over elsewhere.
chiu huai steel conditional reg? chiu just graduate meh? tot chiu boomer auntie
:s11:
Quote from: jim889 on Oct 20, 2024, 01:37 PMchiu huai steel conditional reg? chiu just graduate meh? tot chiu boomer auntie
:s11:
I had 2 mental breakdowns during Covid cause I stopped my meds and wan suspended for a while.
So C reg now
Quote from: Mummy1234 on Oct 18, 2024, 06:09 PMI think I must go for eyelash extension. I put and for months there were no more complaints. Now, I remove it, complaints come.
Dr also must look pretty to reduce complaints.
Well.. This is funny 😂
Quote from: Mummy1234 on Oct 20, 2024, 01:42 PMI had 2 mental breakdowns during Covid cause I stopped my meds and wan suspended for a while.
So C reg now
chiu oso goed imh :eek: :eek:
did wifi password change? huai moi cannot access.. did chiu noe why?
:s11:
Quote from: Mummy1234 on Oct 19, 2024, 05:18 PMWill borrow S$1.7 mil by showfunds S$1.5 mil.
Extra to ensure we can survive next 3 years.
Need to exercise otp if not lose S$170k.
3 years later, may sell and buy hdb and retire if really no job.
Why lose $170k?
Quote from: oldchangkee on Oct 20, 2024, 06:45 PMWhy lose $170k?
Cause I already paid that as 5% deposit in order to get otp
Quote from: Mummy1234 on Oct 20, 2024, 06:49 PMCause I already paid that as 5% deposit in order to get otp
Oh in a way u booked the purchase of the unit. No one else can fight with u ah? Ok I get what u mean. So the seller must fulfil they sale to u, but u can choose to withdraw and forfeit the $$. Oh wow. That is a heavy commitment.
Quote from: Mummy1234 on Oct 20, 2024, 06:49 PMCause I already paid that as 5% deposit in order to get otp
U mentioned u have to showdown 1.5mil, must it be in cash?
Quote from: oldchangkee on Oct 20, 2024, 06:57 PMU mentioned u have to showdown 1.5mil, must it be in cash?
Ya, showfund S$1.5 mil in cash. Already have that in sgx and bank.
Hope I don't get fired so that can get bank loan. After that, then ok lor, I also wanna retire.
Very tired already. Every morning go to work like zombie.
Wish to retire like my hubby, relax at home everyday.
Hope to quickly sign bank letter of offer which should be ready next week.
Hopefully don't have to show salary slip anymore.
Quote from: Mummy1234 on Oct 20, 2024, 06:59 PMYa, showfund S$1.5 mil. Already have that in sgx and bank.
If u alr feeling stressed about job security, and u still wanna borrow $1.7mil to further commit. Many red flags... I suggest go with your heart and do a stop loss. Don't stress yourself further. If u have to lose the $170k. Take it as a mistake and don't do a rash purchase la. Live within our means less stress
All u need to do is to accept your reality and listen to your heart. U know it. There are a lot of stressors u are facing now. U still wanna commit to heavy debt.
My Mum always tell me don't be a slave to housing debt. I am still sticking to this rule till now. I agree with her.
If u dont buy the house.
With your current monies, u can also relax like your hub. And go to work less stressed.
Last time used to think big house is Jin satki.
Now with all the mental health issues arising. Myself also experiencing.
Cash is king, not a bigger house. with cash, u can say FO to your boss anytime and quit. Freedom is the most valuable thing. If u lock yourself to a massive housing debt. U have no freedom and become a job slave, u have to be on your toes at all times hope don't get sack.
If u stay in your current unit. U have no job worries.
Quote from: Mummy1234 on Oct 20, 2024, 07:03 PMHope to quickly sign bank letter of offer which should be ready next week.
Hopefully don't have to show salary slip anymore.
Mummy zeh. This is a very bad decision.
Quote from: oldchangkee on Oct 20, 2024, 07:07 PMAll u need to do is to accept your reality and listen to your heart. U know it. There are a lot of stressors u are facing now. U still wanna commit to heavy debt.
My Mum always tell me don't be a slave to housing debt. I am still sticking to this rule till now. I agree with her.
If u dont buy the house.
With your current monies, u can also relax like your hub. And go to work less stressed.
I don't know if sellor will sue me if I don't buy.
Anyway, should have enough for 3 years of mortgage and living expenses.
We bought it at 3.4mil when highest bank valuation is 4mil. Profit 600k already, if sell at 4mil 3 years later, can retire more comfortably.
Quote from: oldchangkee on Oct 20, 2024, 07:11 PMLast time used to think big house is Jin satki.
Now with all the mental health issues arising. Myself also experiencing.
Cash is king, not a bigger house. with cash, u can say FO to your boss anytime and quit. Freedom is the most valuable thing. If u lock yourself to a massive housing debt. U have no freedom and become a job slave, u have to be on your toes at all times hope don't get sack.
If u stay in your current unit. U have no job worries.
It's ok, I can get sacked after buying the house, we have enough for 3 years then sell 3 years later.
Also, found some job openings for C reg so I guess not that bad. Just xian full reg will take longer.
Anyway, now I renting hougang 5 rm hdb for 6 mths till I move into new house.
Quote from: Mummy1234 on Oct 20, 2024, 07:12 PMI don't know if sellor will sue me if I don't buy.
Anyway, should have enough for 3 years of mortgage and living expenses.
We bought it at 3.4mil when highest bank valuation is 4mil. Profit 600k already, if sell at 4mil 3 years later, can retire more comfortably.
Option to purchase, in its name alr says it's option. How can they sue u. Most impt is know when to stop if it looks like it's a bad decision. Because u are the only one working. Your hub is jobless. And u worry job security.
Quote from: oldchangkee on Oct 20, 2024, 07:18 PMOption to purchase, in its name alr says it's option. How can they sue u. Most impt is know when to stop if it looks like it's a bad decision. Because u are the only one working. Your hub is jobless. And u worry job security.
Ya, checked with my agent also say won't get sued.
But he advised me to go ahead so as not to lose my 170k
And I sold my condo undervalue by 200k cause under pressure as already paid otp.
So will lose close to 400k if don't proceed.
My condo also has a range of valuation. I sold at the lower end of valuation. Hubby keep kpkb.
Quote from: Mummy1234 on Oct 20, 2024, 07:01 PMHope I don't get fired so that can get bank loan. After that, then ok lor, I also wanna retire.
Very tired already. Every morning go to work like zombie.
Wish to retire like my hubby, relax at home everyday.
chiur hubby last jod is it the many years ago he was already long term jodless for many years but steel found a jod for $8000 per month then resign after a few months? jskm.
he can keep doing this and treat as work part time. just work $8000 per month jods for few months per year, still make more than some who work full year but lower celery.
Quote from: oldchangkee on Oct 20, 2024, 07:11 PMLast time used to think big house is Jin satki.
Now with all the mental health issues arising. Myself also experiencing.
Cash is king, not a bigger house. with cash, u can say FO to your boss anytime and quit. Freedom is the most valuable thing. If u lock yourself to a massive housing debt. U have no freedom and become a job slave, u have to be on your toes at all times hope don't get sack.
If u stay in your current unit. U have no job worries.
i agree. not just locked to the mortgage loan, but also locked to the physical big house, all the repairs and maintenance and cleaning. small, cozy and minimalist is the way for me.
Quote from: vezelover on Oct 20, 2024, 09:17 PMchiur hubby last jod is it the many years ago he was already long term jodless for many years but steel found a jod for $8000 per month then resign after a few months? jskm.
he can keep doing this and treat as work part time. just work $8000 per month jods for few months per year, still make more than some who work full year but lower celery.
He worked for 3 years. Think 10k a mth then. Longest record.
If I really no job, we have no choice but to retire. Unless we wanna try starting a business.
stay HDB good mah. condo and landed are overrated.
HDB got usave rebates.
easy to maintain
some things can get help from town council and HDB
landed maintenance n repair is jialat especially the older the building. no HDB or town council to help you. you find your own contractor kena cut carrot also duno. worse they do half fug jod make things worse. stay at ground floor all the dust and insects.
Quote from: Mummy1234 on Oct 20, 2024, 09:20 PMHe worked for 3 years. Think 10k a mth then. Longest record.
If I really no job, we have no choice but to retire. Unless we wanna try starting a business.
oh. i remembered got a period he found a $8000 per month jod then quit after few months right. jskm
Quote from: vezelover on Oct 20, 2024, 09:26 PMoh. i remembered got a period he found a $8000 per month jod then quit after few months right. jskm
No lah, he never quits.
Quote from: vezelover on Oct 20, 2024, 09:23 PMstay HDB good mah. condo and landed are overrated.
HDB got usave rebates.
easy to maintain
some things can get help from town council and HDB
landed maintenance n repair is jialat especially the older the building. no HDB or town council to help you. you find your own contractor kena cut carrot also duno. worse they do half fug jod make things worse. stay at ground floor all the dust and insects.
Buy landed likely temporary unless I get full reg and decide to work longer.
Most likely will sell landed for profit after 3 years and retire in hdb.
Hdb utility bill also lower than condo somehow even with my elder boy switching on the aircon every night.
Now enjoying my new supersmooth Akemi 900 thread count tencel bedsheets and comforter in my aircon room.
Quote from: Mummy1234 on Oct 20, 2024, 09:46 PMHdb utility bill also lower than condo somehow even with my elder boy switching on the aircon every night.
Now enjoying my new supersmooth Akemi 900 thread count tencel bedsheets and comforter in my aircon room.
chiu steel in jb meh tomolo nose need to work / skool ?
:s11:
Think you need to define what is retire
Completely no job and rest at home
Still have job but less stressful
Only do hobbies which can pay something
Only do hobbies. Whether it pays or not is irrelevant
Quote from: jim889 on Oct 20, 2024, 10:06 PMchiu steel in jb meh tomolo nose need to work / skool ?
:s11:
At home in Sg
Quote from: Philipkee on Oct 20, 2024, 10:13 PMThink you need to define what is retire
Completely no job and rest at home
Still have job but less stressful
Only do hobbies which can pay something
Only do hobbies. Whether it pays or not is irrelevant
No job and rest at home, doing hobbies whether it pays or not
Quote from: Mummy1234 on Oct 21, 2024, 08:15 AMNo job and rest at home, doing hobbies whether it pays or not
My dream also
Quote from: jim889 on Oct 20, 2024, 10:06 PMchiu steel in jb meh tomolo nose need to work / skool ?
:s11:
She locum leh. They plan schedule like 1 mth in advance.
Locum drs have best of both worlds.
If need money can work more, dont want can just slack. Their per hour rate is like dunno 100 or what. Can be more also
Quote from: default on Oct 21, 2024, 10:34 AMShe locum leh. They plan schedule like 1 mth in advance.
Locum drs have best of both worlds.
If need money can work more, dont want can just slack. Their per hour rate is like dunno 100 or what. Can be more also
I used to locum for 10 years.
Now C reg cannot locum. Hope to go back to locum when full reg
Quote from: default on Oct 21, 2024, 10:34 AMShe locum leh. They plan schedule like 1 mth in advance.
Locum drs have best of both worlds.
If need money can work more, dont want can just slack. Their per hour rate is like dunno 100 or what. Can be more also
she sked nose jod or boss sack her leh..
:s11:
Quote from: jim889 on Oct 21, 2024, 01:46 PMso fast cum back liao ah?
- :s11:
Monday must work and kids go school mah.
Shag, a lot of patients today, non stop, really tired.
Quote from: Mummy1234 on Oct 21, 2024, 04:11 PMShag, a lot of patients today, non stop, really tired.
What is c reg? Got simi diff
Quote from: default on Oct 21, 2024, 04:35 PMWhat is c reg? Got simi diff
Conditional registration, need to practise under a supervisor Dr so cannot locum.
Hmmm wah i see. So must wait till when then full reg?
Quote from: default on Oct 21, 2024, 05:07 PMHmmm wah i see. So must wait till when then full reg?
Should be soon if no more patient complaints.
Quote from: Mummy1234 on Oct 21, 2024, 01:50 PMMonday must work and kids go school mah.
tot chiur kid cross causeway to sch everyday
:s11:
Quote from: Mummy1234 on Oct 21, 2024, 05:11 PMShould be soon if no more patient complaints.
gotch ppl comparin chiu meh?
that's why need to wear eye lash so that ppl dun comprain??
:s11:
Quote from: jim889 on Oct 21, 2024, 07:16 PMtot chiur kid cross causeway to sch everyday
:s11:
No lah, we all staying in Sg
Quote from: jim889 on Oct 21, 2024, 07:16 PMgotch ppl comparin chiu meh?
that's why need to wear eye lash so that ppl dun comprain??
:s11:
Ya, less complaints with eyelash extensions. Just done it.
Quote from: Mummy1234 on Oct 21, 2024, 07:25 PMYa, less complaints with eyelash extensions. Just done it.
any xiong?
:s11:
Quote from: Mummy1234 on Oct 21, 2024, 04:11 PMShag, a lot of patients today, non stop, really tired.
Luckily there's a comma after the word "Shag"😬
CheerS!!!😉
Came in rrss...tot TS gonna be like moi retiring next yr or latest following year after next.
Looks like TS gonna be burden with bank.
Took moi 30yrs of being slave to debt.
Now totally debt free and taking off to BKK stay in moi MM unit.
The landed loan was really stressful even though it was at $2m when bought. Every month $10k repayment. Not sure how TS can even put in $3.4m.
Think chiu will have to do that loan since put in the commitment. Only way is to keep on working till sold off. Good luck TS.
Will have borrowed enough to pay for mortgage and living expenses for 3 years. Mortgage is S$7300 a month.
So, dun have to worry for next 3 years nor work.
After 3 years, prob sell and retire in hdb.
Quote from: Mummy1234 on Oct 22, 2024, 08:33 AMWill have borrowed enough to pay for mortgage and living expenses for 3 years. Mortgage is S$7300 a month.
So, dun have to worry for next 3 years nor work.
After 3 years, prob sell and retire in hdb.
huai so trouble move here move there
just mmove straight to hdeebee la
:s7:
Quote from: jim889 on Oct 22, 2024, 06:07 PMhuai so trouble move here move there
just mmove straight to hdeebee la
:s7:
Cause can profit more from the landed.
If I can keep my job and get full reg and continue to work, will keep the terrace house.
Quote from: Mummy1234 on Oct 22, 2024, 06:57 PMCause can profit more from the landed.
If I can keep my job and get full reg and continue to work, will keep the terrace house.
hokay hope chiu get full reg and keep chiur jod so that chiu can keep chiur terrace hause
:flash:
zz
Quote from: Mummy1234 on Oct 23, 2024, 10:24 AMzz
(https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcQcJOzdoeo8a-ierNQ0GdBBm6f0NcBzP1iN-g&s)
I am so happy my younger boy went back to school after homeschooling for a year plus. And he did well in his year end exams and can be transferred to Express in Sec 3 from NA!
Discussing with him his subjects combination now. He is good in his humanities and likes History. Likely let him choose what he likes, Pure history over Computing and maybe Physics /chem over Bio/chem
Quote from: Mummy1234 on Oct 23, 2024, 11:05 AMI am so happy my younger boy went back to school after homeschooling for a year plus. And he did well in his year end exams and can be transferred to Express in Sec 3 from NA!
Discussing with him his subjects combination now. He is good in his humanities and likes History. Likely let him choose what he likes, Pure history over Computing and maybe Physics /chem over Bio/chem
could be quite stressful for him just tell him to take it easy..
:s7:
Quote from: jim889 on Oct 23, 2024, 03:44 PMcould be quite stressful for him just tell him to take it easy..
:s7:
Ya, never give him much pressure. Always tell him I luv him no matter how he does and to just try his best.
Quote from: jim889 on Oct 23, 2024, 03:44 PMcould be quite stressful for him just tell him to take it easy..
:s7:
Single child. Set for life liao. Safety net very wide
Quote from: Nevereatrice on Oct 23, 2024, 03:56 PMSingle child. Set for life liao. Safety net very wide
No lah, he got older brother 19 years old. He is 15 years old.
Quote from: Mummy1234 on Oct 23, 2024, 03:57 PMNo lah, he got older brother 19 years old. He is 15 years old.
when is next one cumming
:flash:
Quote from: Mummy1234 on Oct 23, 2024, 03:57 PMNo lah, he got older brother 19 years old. He is 15 years old.
Anyway some people are late bloomers so don't judge him harshly
Quote from: jim889 on Oct 23, 2024, 03:58 PMwhen is next one cumming
:flash:
I perimenopausal already lah, somemore on so many meds cannot lah.
Quote from: Nevereatrice on Oct 23, 2024, 04:00 PMAnyway some people are late bloomers so don't judge him harshly
He did better than his elder brother this time, but I see their assessment also easier but must give him credit for his humanities. No tuition and did well.
Quote from: Mummy1234 on Oct 23, 2024, 04:01 PMI perimenopausal already lah, somemore on so many meds cannot lah.
wat med chiu on nao?
perimenopausal also can hab child wat.. :flash:
Quote from: jim889 on Oct 23, 2024, 04:04 PMwat med chiu on nao?
perimenopausal also can hab child wat.. :flash:
Thyroid, DM, chol, psy, cancer and skin meds
Quote from: jim889 on Oct 23, 2024, 04:04 PMwat med chiu on nao?
perimenopausal also can hab child wat.. :flash:
Then I cannot retire for another 20 years if I have another child leh.
Quote from: Nevereatrice on Oct 23, 2024, 04:00 PMAnyway some people are late bloomers so don't judge him harshly
My kids were difficult at age 11. This younger one just suddenly one day dun wanna go school, so homeschooled and paid for Wolsey Hall Oxford online learning for nearly 2 years. Maybe the Church and my sis prayed for him and God worked a miracle, he suddenly wanted to go back to school early this year and has been very good, exercising and going out with us. When home schooling, he just play computer games whole day, never go out and didn't want to wear any T shirts other than his 2 favourite torn ones. 180 degrees change, Praise God for his miracle.
Quote from: Mummy1234 on Oct 23, 2024, 04:06 PMThen I cannot retire for another 20 years if I have another child leh.
cheng hoo gib chiu baby bonus mah
:flash:
Quote from: Mummy1234 on Oct 23, 2024, 04:05 PMThyroid, DM, chol, psy, cancer and skin meds
huai cancer??
:eek:
Quote from: Mummy1234 on Oct 23, 2024, 04:10 PMMy kids were difficult at age 11. This younger one just suddenly one day dun wanna go school, so homeschooled and paid for Wolsey Hall Oxford online learning for nearly 2 years. Maybe the Church and my sis prayed for him and God worked a miracle, he suddenly wanted to go back to school early this year and has been very good, exercising and going out with us. When home schooling, he just play computer games whole day, never go out and didn't want to wear any T shirts other than his 2 favourite torn ones. 180 degrees change, Praise God for his miracle.
Maybe got bullied in school? Now grow up liao so can think more maturely. Can't always hide at home
At that age human beings are afterall social creatures
Until certain age will lose interest in games
Let nature takes its course ba
Quote from: jim889 on Oct 23, 2024, 04:13 PMhuai cancer??
:eek:
I got stage 1C early right breast cancer last year. Did bil mastectomy and reconstruction, on tamoxifen, lucky no need chemo
Quote from: Nevereatrice on Oct 23, 2024, 04:15 PMMaybe got bullied in school? Now grow up liao so can think more maturely. Can't always hide at home
At that age human beings are afterall social creatures
Until certain age will lose interest in games
Let nature takes its course ba
He denies being bullied leh, he is quite big sized, unlikely bullied not like his older brother who is smaller build and was bullied before.
Quote from: Mummy1234 on Oct 23, 2024, 04:17 PMHe denies being bullied leh, he is quite big sized, unlikely bullied not like his older brother who is smaller build and was bullied before.
Maybe he just wants to play games at home don't want go school the hassle of socializing
why the hubby steel jodless? is it he retired already?
Quote from: vezelover on Oct 23, 2024, 04:40 PMwhy the hubby steel jodless? is it he retired already?
Ya, involuntarily retired
He tried RES but failed exams once and missed out on other 2 dates. RES is exams for property agents
Quote from: Mummy1234 on Oct 23, 2024, 04:45 PMHe tried RES but failed exams once and missed out on other 2 dates. RES is exams for property agents
why don't he go work engineering sales jods? quite lucrative right he worked those jods before
Quote from: Mummy1234 on Oct 23, 2024, 04:44 PMYa, involuntarily retired
i also jodless long term. appry many jods but no offer
Quote from: vezelover on Oct 23, 2024, 04:48 PMwhy don't he go work engineering sales jods? quite lucrative right he worked those jods before
He applied many places already, no results. Says he thinks they think he is too old at 52 years old.
Quote from: vezelover on Oct 23, 2024, 04:48 PMi also jodless long term. appry many jods but no offer
Oh dear, my sympathies. What were u working as before?
Quote from: Mummy1234 on Oct 23, 2024, 04:51 PMHe applied many places already, no results. Says he thinks they think he is too old at 52 years old.
I know someone in that age range got 2 jod offers very quickly from friend referral.
nowadays go jod interviews, the big companies avoid asking about age to be more inclusive.
but still hard to find jod, i know cos i also long term jodless. and I don't have friends to refer me
Quote from: Mummy1234 on Oct 23, 2024, 04:51 PMOh dear, my sympathies. What were u working as before?
low ses orpit jod with low celery. below median celery. even this kinda jod also hard to get nowadays.
Quote from: Mummy1234 on Oct 23, 2024, 04:16 PMI got stage 1C early right breast cancer last year. Did bil mastectomy and reconstruction, on tamoxifen, lucky no need chemo
hokay chiu healthy jiu hao
take care hor
then chiu better buyed chiur terrece rah.. chiu onli live once YOLO
:flash:
Quote from: jim889 on Oct 23, 2024, 05:09 PMhokay chiu healthy jiu hao
take care hor
then chiu better buyed chiur terrece rah.. chiu onli live once YOLO
:flash:
Just received email from SMC saying that I will still be under C reg...sob...writing back to ask for appeal...
Dunno to exercise OTP or not.
If sell JB house, can have 8 years of mortgage to survive provided I have a job. Hopefully price will rise and we can sell for a good profit or I get my full reg and can keep the house
Quote from: Mummy1234 on Oct 24, 2024, 10:33 AMJust received email from SMC saying that I will still be under C reg...sob...writing back to ask for appeal...
Dunno to exercise OTP or not.
If sell JB house, can have 8 years of mortgage to survive provided I have a job. Hopefully price will rise and we can sell for a good profit or I get my full reg and can keep the house
tot chiu said buyed sg landed sure huat?
anyway if they say chiu c reg, did they say huai and for hao long?
:s11:
Quote from: jim889 on Oct 24, 2024, 03:17 PMtot chiu said buyed sg landed sure huat?
anyway if they say chiu c reg, did they say huai and for hao long?
:s11:
No leh, they never say. I wrote back to ask and also wrote to the Head to appeal.
Quote from: Mummy1234 on Oct 24, 2024, 03:22 PMNo leh, they never say. I wrote back to ask and also wrote to the Head to appeal.
ask them for a "reasons for decision" document so that if chiu wan to appeal chiu noe wat to appeal.
if dun have this document chiu are appealing blindly
:frown:
Why not u start biz like a clinic?
Quote from: default on Oct 24, 2024, 04:23 PMWhy not u start biz like a clinic?
I won't be able to practise there independently as no full reg.
Hiring locums is expensive
Quote from: Mummy1234 on Oct 24, 2024, 04:33 PMI won't be able to practise there independently as no full reg.
Hiring locums is expensive
next time la
Quote from: default on Oct 24, 2024, 04:39 PMnext time la
Prob won't as seen 2 friends tried and close shop
Quote from: Mummy1234 on Oct 24, 2024, 04:41 PMProb won't as seen 2 friends tried and close shop
just do those online one.. see 3 seconds can issue mc
:flash:
Quote from: jim889 on Oct 24, 2024, 05:05 PMjust do those online one.. see 3 seconds can issue mc
:flash:
Ya, wanted to start that during pandemic. But was half hearted. Called it Noah Telemedicine after my elder boy and had one paying patient from HWZ
Just received news that MaNaDr ordered to close down after Drs found to be negligent during telemedicine consults.
Quote from: Mummy1234 on Oct 24, 2024, 04:41 PMProb won't as seen 2 friends tried and close shop
Wa clinic also will close shop. This broken the myth liao
Quote from: Nevereatrice on Oct 24, 2024, 05:09 PMWa clinic also will close shop. This broken the myth liao
Ya one friend used his HDB to get a loan somemore. Now back to locum.
Quote from: jim889 on Oct 24, 2024, 05:05 PMjust do those online one.. see 3 seconds can issue mc
:flash:
Lw say want to fix anyhow issue mc that time. Guess business will be affected. Not sure if he really meant it
Quote from: Mummy1234 on Oct 24, 2024, 05:07 PMYa, wanted to start that during pandemic. But was half hearted. Called it Noah Telemedicine after my elder boy and had one paying patient from HWZ
Just received news that MaNaDr ordered to close down after Drs found to be negligent during telemedicine consults.
if chiu do proper jod ask all the proper question and take enough taim to make chiur own independent and professional decision then sure ok whether it is online or in person.
so sked wat?
just dun be like manadr can liaos rah
:flash:
Quote from: Nevereatrice on Oct 24, 2024, 05:09 PMWa clinic also will close shop. This broken the myth liao
klinik always rong queue reh
:flash:
Quote from: Nevereatrice on Oct 24, 2024, 05:16 PM😂
maybe all the tiko peks queue to see boomer auntie loh koon with long fake eye lash
:D
Quote from: Mummy1234 on Oct 24, 2024, 05:11 PMYa one friend used his HDB to get a loan somemore. Now back to locum.
how come so suay will dao bi. my side neverending biz
i dont understand how come will dao bi also. maybe is open in pulau hantu or pulau senang
Quote from: default on Oct 24, 2024, 05:31 PMhow come so suay will dao bi. my side neverending biz
think could be cost
hire nurse
buyed medcine to keep
and rental
also need to do admin jod / keep paper work / etc may be trouble
if open or joined franchise maybe ok
have system ready to go
have contract to buy medicine
loh koon just be loh koon no need to do admin jod
Ya, I see another one open 2 clinics. She has to work such long hrs at one clinic.
Mostly GP clinics will offer some Aesthetics to survive also.
Quote from: jim889 on Oct 24, 2024, 05:18 PMmaybe all the tiko peks queue to see boomer auntie loh koon with long fake eye lash
:D
Haha, very funny....
Quote from: Mummy1234 on Oct 24, 2024, 05:41 PMYa, I see another one open 2 clinics. She has to work such long hrs at one clinic.
Mostly GP clinics will offer some Aesthetics to survive also.
Aesthetics moar ho tan than gp rah
:flash:
Heard boss of I chain of clinics also mortgage his property for his business.
I think do business really very stressful and I read b4 that majority of businesses fail.
Quote from: jim889 on Oct 24, 2024, 05:43 PMAesthetics moar ho tan than gp rah
:flash:
But always got risks of lawsuits.
I saw PPP Doctors get sued.
Last time my mat grandma wanted me to open clinic also.
Hubby also always ask but I got no confidence
Quote from: Mummy1234 on Oct 24, 2024, 05:46 PMLast time my mat grandma wanted me to open clinic also.
Hubby also always ask but I got no confidence
nose franchise for chiu to joined meh
:s11:
Quote from: jim889 on Oct 24, 2024, 05:48 PMnose franchise for chiu to joined meh
:s11:
I don't have good experience with small GP groups.
Quote from: Mummy1234 on Oct 24, 2024, 06:03 PMI don't have good experience with small GP groups.
gp jiu shi gp . nose need big or small
only thing is admin work will take over if own self open klinik left the gp moar busy with admin then see patient
:frown:
unless chiur husband help chiu roh
:flash:
Quote from: Mummy1234 on Oct 18, 2024, 06:02 PMInstead of buying a landed?
Can have S$5k a mth for 30 years.
Tired of patient complaints at work threatening my rice bowl.
They say I uncaring Dr, too rushed, going through the motion.
Xian, must give TLC to every patient.
good to see you here! :s13:
Quote from: xcodes on Oct 25, 2024, 11:12 AMgood to see you here! :s13:
Thank u! Great to find this forum too!
dun buy landed and wait to get fired..
continue earning celery till you tio pok..
delay using your 5k a month
Quote from: sTiCkY on Oct 25, 2024, 05:34 PMdun buy landed and wait to get fired..
continue earning celery till you tio pok..
delay using your 5k a month
Waiting to get my Letter of Offer from SCB today leh.
If sell JB house, can tahan 8 years of mortgage. Surely I will be Full reg by then. Can then come back to locum fulltime and earn twice my current salary
Quote from: Mummy1234 on Oct 28, 2024, 03:09 PMWaiting to get my Letter of Offer from SCB today leh.
If sell JB house, can tahan 8 years of mortgage. Surely I will be Full reg by then. Can then come back to locum fulltime and earn twice my current salary
so chiu advertise chiur jb hause oredi or not?
:s11:
Quote from: jim889 on Oct 28, 2024, 03:34 PMso chiu advertise chiur jb hause oredi or not?
:s11:
Ya advert for rent/sale. This afternoon got tenant viewing
Quote from: Mummy1234 on Oct 28, 2024, 03:35 PMYa advert for rent/sale. This afternoon got tenant viewing
for sale or rent?
chiu got agent to manage for chiu?
:s11:
Quote from: jim889 on Oct 28, 2024, 03:38 PMfor sale or rent?
chiu got agent to manage for chiu?
:s11:
Ya got 2 agents. I recommended and one is my neighbour
Finally got my SCB letter of offer!
But they r reviewing rates this Fri or next mon. So won't sign first.
Quote from: Mummy1234 on Oct 24, 2024, 05:41 PMYa, I see another one open 2 clinics. She has to work such long hrs at one clinic.
Mostly GP clinics will offer some Aesthetics to survive also.
Ya. Actually edmw many drs. Got 1 siao lang literally work everyday whole year. Maybe u knw is whom also
Quote from: Mummy1234 on Oct 24, 2024, 05:44 PMBut always got risks of lawsuits.
I saw PPP Doctors get sued.
What is ppp?
Quote from: oldchangkee on Oct 30, 2024, 05:34 PMWhat is ppp?
An aesthetic chain last time. Pimples, pores and pigmentation
Quote from: Mummy1234 on Oct 30, 2024, 05:40 PMAn aesthetic chain last time. Pimples, pores and pigmentation
Heard from my boss that tranexamic acid goes with micro needling can help with age spots .. dunno how true :love:
Quote from: Mummy1234 on Oct 30, 2024, 05:19 PMFinally got my SCB letter of offer!
But they r reviewing rates this Fri or next mon. So won't sign first.
not lock in the rates first meh..
:s11:
Quote from: jim889 on Oct 30, 2024, 05:42 PMnot lock in the rates first meh..
:s11:
Rates r dropping
Quote from: Mummy1234 on Oct 31, 2024, 09:49 AMRates r dropping
chiu on variable or fixed rate?
:s11:
Quote from: jim889 on Oct 31, 2024, 06:55 PMchiu on variable or fixed rate?
:s11:
Fixed rates
Quote from: Mummy1234 on Oct 31, 2024, 07:43 PMFixed rates
oh i c.. up to chiu to wait rah ...
did chiu talk to any finance person when getting the loan, sometimes they recommend variable .. fixed is only good if interest rate is going up.
:flash: