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Went for Army Medical Review

My excuse expired late last month so today I went to see whether there is any news of my medical board review. MO told me it was rejected because it's just a sprain, I guess they don't think it is serious enough to downgrade me but it's alright, I just need excuse from push-up, otherwise there is no way I can pass my IPPT. So the MO submitted another review, this time is to excuse me so that I can skip push-up and just do 2-station IPPT. Today he gave me another 84 days excuse. Now see how the review goes, anyway I have booked my RT this coming Sunday, just take it as exercise, I go exercise on Sundays anyway, I got 19 RT to clear lol.
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Baby's Skin is Getting Better

Last week I tried putting on the Palmer's Cocoa Butter Formula for baby, now her skin is so much better, so smooth, not dry anymore, I also tried the cream myself, I had a dry spot at my tummy area, I put the cream almost daily and now the dry spot looks and feels so much better! Wife also try, she also think the cream is very good.
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Singapore Police Force Scary Efficient

Source In this day and age Singapore still have robbery cases, but I guess we are just living too comfortably to know that bad things will always happen. Anyway this poor uncle was robbed of $60 and badly injured, he was robbed at 5.30am in Tampines, then on the same day at 4pm, the police managed to arrest the robber, wah seh, less than 12 hours settled. But I cannot imagine why people would want to rob, and for $60 go and beat up someone, how many people will bring so much valuables out for them to rob, if really want might as well go target those richer people right, go target people trying hard to make a living, this robber also bastard. Furthermore since this bastard have the energy to go rob and beat up people, why not get a job instead, I can only say he is a lazy useless bum.
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Received Final Government Matching for CDA

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Just noticed that the final $1,500 matching from government in baby's CDA: Baby's Child Development Account I put in $6,000, government matched $6,000, total have $12,000, and also last year government topped up $500, the other $230.28 is interest from OCBC. This money I think very helpful if need to go nursery or kindergarten, if choose those less expensive ones, I don't think can use finish, but if choose those one month $1000+ type, one year finish. Now I'm thinking whether nursery is even necessary at all, I remember last time I go nursery, only eat, sleep, play, run around, never really learn anything useful. Kindergarten I remember sing songs, eat, sleep, run around, also kind of crap. Now maybe they improved I don't know. Too bad CDA cannot pay for those martial arts classes or music classes, I think it's better for baby to learn something more specialized, if go to nursery or kindergarten, they probably just teach abc, sing song, 123, play t
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Take Leave So Lower Performance Rating

Today my boss reviewed my performance for the past year, he hinted that I took a lot of leaves but he understand that last year my wife gave birth so most of it was due to that, rating not as good as last one, but he wrote positive remarks for me, anyway I don't hope for high increment or high bonus, this year have is good enough. Thanks to him I also realized that all those reservist, paternity, childcare, sick or annual leaves all top level don't care, they only look at my productivity, for example my work days in one month is around 22, so if I work all 22 days my productivity will be 100%, top level love to see this, so the logic is such that even if I sit in office and do nothing for the whole day, as long as I appear for work, act busy when needed, my productivity will be 100% lol. No wonder so many slackers in my company, now I know how these people can survive so long even though they are not capable at all. But if out of 22 days, let's say I take 7 days leave,
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About Wife's Valve Replacement Surgery Cost

Today I emailed NUH and enquired about the cost range of her type of operation for C class ward, they sent me a Care Cost Form for 8 days of hospitalization for Valve Repair / Replacement surgery, the price range starts from $24,551 for mild case to $35,462 for complex case. The form also suggested that the likely total could be $27,279, not sure how they derive the likely total but I guess it's a median number. I think the form never include the possibility of staying in ICU, I read from NUH website , it mentioned that after valve replacement surgery, need to stay in ICU for 1-2 days, then in normal ward for 3-4 days. Anyway I guess for complex case need to stay longer. I did my own calculations based on information from here , I came up with 4 scenarios: Mild Likely Complex Extreme Hospital bill $24,551.00 $27,279.00 $35,462.00 $100,000.00 Less 55% subsidy for PR $11,047.95 $12,275.55 $15,957.90 $45,000.00 C class pro-ration for PR $4,861.10 $5,401.24 $7,021.48 $19,800
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Cream for Baby's Dry Skin

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Baby have dry skin sometimes, can get so dry that it looks a bit scaly, tried a few creams and doesn't work, some even made it worse, end up she will have a slight rash and the dryness will come back again. Finally I tried the cream (Palmer's Cocoa Butter Formula) that I bought for wife after her pregnancy, after applying for two days, it works, now baby's skin seems to be more moist. This one not very expensive, I think one big bottle $10+.
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Indian Rice for Lunch ;)

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Yummy! $5 eat until very full!
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Visited Wife's Cardiologist at NUH

Today went to see her cardiologist, he said need to prepare for her valve replacement surgery. It will be an open-heart surgery, no other option, and it will take about one month for her to recover, so if we decide to proceed, we need to switch to milk powder for baby because now baby is mostly eating breast milk, some cereal, and some milk powder. He mentioned that her echo results last week is getting worse, her valve seems to be getting narrower, what I understand from him is that if the valve is blocked, it can result in sudden death. So he arranged for us to meet the surgeon in Jun, the surgeon will explain the details to us. But wife is not keen on the surgery, she said that she is feeling well now, ultimately I cannot force her, I can only try to encourage her to go do it while she is still young. I did some research, actually mechanical valve is supposed to last a patient's lifetime, but thanks to those bogus doctors in Thailand, they go and put a smaller valve for he
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My Passive Income So Far

Currently I have two sources of passive income, one is from stock dividends, the other is from blogging, both are kind of slow, so ultimately like most people, the biggest source of my income is still from full-time employment, so that is why I always advocate to people to stay employed no matter how low the pay is or how bad the environment is, if you want to quit, ensure you have a job ready before you throw that letter, and low pay is surely better than no pay. And so unless I have a million dollar to buy stocks, or my blog have traffic like Xia Xue's, otherwise it is very difficult for these two sources to replace the income from my full-time job. Anyway, I guess it is time to look back and see how I have done so far in terms of passive income. Year Dividends Blogging (Adsense) Total Passive Income Received Mthly Received Mthly Received Mthly 2013 $613.00 $51.08 $0.00 $0.00 $613.00 $51.08 2014 $763.70 $63.64 $125.18 $10.43 $888.88 $74.07 2015 $835.68 $69.64 $334.
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Long-Term Visit Pass - Plus (LTVP-PLUS)

http://www.ica.gov.sg/news_details.aspx?nid=12665 Good news for those of us who cannot get PR for our beloved spouse, because the Singapore government has come up with a enhanced long-term visit pass called LTVP-PLUS or LTVP+. I'll sum up the key points in the FAQ provided by ICA so you don't have to go through one big page. Do let me know if I missed out anything or correction is required by dropping a comment. GENERAL LTVP+ will be in effect from 01 Apr 2012. LTVP+ holders will enjoy extended duration of residency, public healthcare subsidies and easier access to employment. No separate application required for LTVP+; an application for LTVP will automatically include your spouse for LTVP+, if eligible. LTVP applications submitted from 01 Feb 2012 will automatically be considered for LTVP+. The first approved LTVP+ will grant 3 years residency and subsequent renewal will be 5 years. Current holders of LTVP will be considered for LTVP+ on next renewal. If holde
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How to Marry a Thai in Singapore

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You should refer to here -  https://www.rom.gov.sg/reg_info/rom_marriage.asp Please spend some time to go through and understand the information on that section (legal provision, other information, filing of notice, solemnization and etc), if your still not sure, feel free to drop a comment here or you can use their FAQ . The ROM website did a really good job of putting together the information that you need in a well-organized manner. I've done it once and I think the guide is very easy to follow. The only hiccup I've had with my marriage is during the  Appointment for verification & Statutory Declaration where both of us were required to read out a wall of text and my wife had difficulty getting past the first few lines and the counter guy got fed up and told my wife to stop. Definitely my oversight as I didn't arrange for an interpreter beforehand but luckily, there was a licensed interpreter at the scene and we managed to get her to do the interpretation fo
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Commission Calculator for DBS Vickers SG Stocks

Made this little tool to help me calculate the costs of buying or selling a stock, just enter number of shares and price and it will show both buy and sell costs at the same time. Can even choose by cash upfront, online or phone and it will calculate using respective rates. Cash Upfront ONLINE By Phone Shares: Price: Value: Commission: Clearing Fee:
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