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r and we have helped some charity organizations from our fund you see after taken care of the needs of our immediate family members before we die we decided to donate the remaining of our billions to other individuals around the world in need the local fire department the red cross haiti hospitals in truro where melinda underwent her cancer treatment and some other organizations in asia and europe that fight cancer alzheimer s and diabetes and the bulk of the funds deposited with our payout bank of this charity donation we have kept just 30 of the entire sum to our self for the remaining days because i am sick and am writing you from hospital computer and me and my wife will be traveling to germany for treatment to facilitate the payment process of the funds 5 000 000 usd which have been donated solely to you you are to send us your full names your contact address your personal telephone so that i can forward your payment information to you immediately i am hoping that you will be able to use the money wisely and judiciously over there in your city please you have to do your part to also alleviate the level of poverty in your region help as many you can help once you have this money in your personal account because that is the only objective of donating this money to you in the first place thank you for accepting our offer we are indeed grateful you can google my name for more information bill gates charity or bill melinda gates foundation god bless you regards mr bill gates oh the extent of typos gave me a headache reading it why do they even try posted by lizardo at 8 01 pm no comments email this blogthis share to x share to facebook share to pinterest labels scam 28 october 2019 free smoked duck breast at cold storage causeway point free box of smoked duck breast for every 15 purchase of fresh port and marinated meat products at cold storage causeway point don t forget to ask for it till 30 oct 2019 only posted by lizardo at 8 17 pm no comments email this blogthis share to x share to facebook share to pinterest 21 october 2019 watch your eyeballs aging comes with many annoyances most come with signs and symptoms or preventive checks from various markers could provide an early heads up to cause some level of panic but the most insidious types are those where nothing is noticed if one were to poke the eyeball do we feel pain in some movies a person is being tortured with some scary looking object threatening to pierce the eyeball we feel so much pain even before it has breached cringe but it seems there is no sensation to be felt on the eyeball itself in any case it was a serendipitous circumstance that led wifey to pay a visit to an ophthalmologist turns out the amazing scanner the ophthalmologist had picked up an object floating above the retina it looked like a ufo flying above a planet when a picture of it is taken from outer space turns out she had experienced a retinal tear without detachment no sensation whatsoever when asked what the consequence could be we were told blindness that sure was an absolute bummer the good news was the doc could fix it all it needed was to laser around the torn area to fuse it back we were lucky it was detected early all hail modern science and when asked when could we get it done he said immediately wah one hour and with temporary blurred vision later wifey emerged from the procedure at the hospital laser lab at the next building all done seems like it could be covered by the integrated shield plus programme that wifey had too fully covered and it was a breeze as the hospital admission could simply do an e filing no additional information was required easy breezy all hail smart nation and digitised government healthcare system watch your fragile eyeballs posted by lizardo at 9 58 am 2 comments email this blogthis share to x share to facebook share to pinterest labels health insurance 14 october 2019 what are the ways to put money into your cpf reader adam has been sharing a lot of information from his experience as a post 55er here s another that he shared on ways to put money back into the cpf accounts which i thought was worth reposting to share to a wider audience who might have missed his comments to another post some people seek ways to extract money out of cpf and certainly would not be looking at putting money into it so this might come across as being strange and would not resonate with that audience hah so skip this if you fall into the above category but if you re not read on as shared by adam with some edits i thought it would be a fitting complement to your post on how are the excess fund withdrawn after meeting the frs with this one what are the ways one can take to put money into their cpf accounts there are a few ways one can put money into their cpf accounts besides the automatic monthly deductions from your salary and the employers contribution but before i go into the above topic i would like to highlight again this tip on the best time to make withdrawal from your cpf oa and sa if you wish to only withdraw the interests earned for the year and at the same time keep the principal amounts intact to earn further interest in the next year this step is important especially if you have substantial money in your sa that you want to preserve to earn the yearly 4 interest the best time to withdraw the interests is in dec and you can only withdraw 11 months worth of interests that is 11 months of interest from your sa for jan to nov and likewise 11 months of interests from your oa here are the steps one can take to grow your cpf 1 monthly deductions from your salary the amount deducted from your salary will depend on your salary capped at 6 000 a month and a further cap of 102 000 per year what this means is that if you earn 7 000 a month the cpf deduction contribution is based on 6 000 say you have 5 months bonus then the deductions from your full year of salary and the 5 months will be capped at 102 000 giving you the maximum contribution of 37 740 for the year 2 have more than one job if you work two different jobs with two different employers both employers are obliged to contribute your cpf via the employers contribution this way you can exceed the limit of 37 740 per year contribution to your cpf i was wondering if this is valid though thought the cap is an upper bound in totality 3 make voluntary contributions to your cpf say you earn less than 6 000 a month and together with your bonus your annual salary is less than 102 000 you can make voluntary contributions to your cpf any time to hit the yearly limit of 37 740 in my case after i turned 55 years old my cpf contribution was shifted to 26 instead of 37 of my salary which was pre 55 so i have been doing voluntary contributions to my cpf to hit the 37 740 limit each year 4 return money that was withdrawn for property purchase if you have extra money you can return the money into your cpf to redeem the amount that was withdrawn to purchase property including the accrued interests my wife and i have returned the full amount we withdrew from our cpf oa including accrued interests that we had used to purchase our properties 5 top up your ra this one is only applicable to those 55 years old and above i have topped up my ra to the ers and i continue to top up each year to meet the new ra ers 6 invest through cpfis this one is a little controversial in that you could lose money through bad investment rather than build your cpf there are investors who have successfully enlarged their cpf oa and sa through astute investment through cpfis 7 inheritance you can only receive inheritance into your ma sa and ra up to the prevalent limit the rest of the inheritance money will be paid to you in cash put another way you cannot bequeath cpf money into your beneficiaries oa you can only bequeath to their sa ma or ra and only up to the limit prevailing adam related maximising cpf post 55 how will cpf retirement sums be formed post 55 how are excess cpf funds withdrawn after meeting frs post 55 posted by lizardo at 8 52 pm 11 comments email this blogthis share to x share to facebook share to pinterest labels cpf 07 october 2019 quit like a millionaire the fire strategy have you read the book quit like a millionaire by kristy shen and bryce leong yet they offer a pretty compelling approach to achieve fire their broad fire strategy is as follows have a global medical insurance policy in place determine investment portfolio needed i e annual_expenses x 25 invest in low expense exchange traded funds etf that track indices for a balanced equity bond portfolio weigh it more heavily with higher yielding etfs for the initial 5 years to reduce the negative impact of retiring in a downturn market i e mitigate against sequence of return risk perpetually withdraw at a 4 rate per year during retirement income yielding portfolio provides a yield shield i e even if the market tanks there is still distribution create a cash cushion to cover the shortfall in those bad years bad years typically did not last beyond two years before the market recovers to previous levels 5 years is however assumed as a margin of safety cash_cushion annual_expenses annual_yield x 5 in good years use any surplus to top up the cash cushion steps 5 yield shield and 6 cash cushion are part of the mitigation strategies against bear markets additional options include geographical arbitrage live in lower cost of living countries till market recovers side hustle create alternate streams of income part time work this needs no explanation there s a fair bit of treatment on dealing with taxes due to canadian and us laws but taxation in singapore is much easier without the capital gains tax to worry about and prevailing tax avoidance means of srs and cpf schemes are much simpler to understand based on this strategy they retired with a 1 000 000 portfolio for a lifestyle that requires 40 000 a year it turns out they were able to travel around the world living more months in low cost countries yet they still managed to keep their expenses within 40 000 a year in the meantime their portfolio has actually grown to 1 300 000 i must say their very low annual expenses may seem extreme minimalistic as it probably involves not having a house that is a home perhaps a storehub will do and being prepared to lead a fairly nomadic lifestyle it s also easier for them as they do not have children in their book they did address those situations involving children though nor are they tied down by having to look after their parents a trait that is perhaps less common for western cultures there are various other strategies to optimise expenses that they described in their book have a read i enjoyed it related quit like a millionaire by millennial revolution posted by lizardo at 9 07 pm 6 comments email this blogthis share to x share to facebook share to pinterest labels fire retirement 30 september 2019 end of life last wishes browsing around books on personal finance at the library there are plenty of books with exciting titles screaming out for attention but here s one that probably wouldn t naturally draw interest would you borrow it to read it s one of those subjects that don t excite but when the time comes there is just no time left to read give it a go it s an easy read related dilemmas dealing with end of life end of life death certificate end of life how much does a funeral cost end of life what happens to your cpf posted by lizardo at 7 50 pm no comments email this blogthis share to x share to facebook share to pinterest labels eol 23 september 2019 how are the excess cpf funds withdrawn after meeting the full retirement sum presuming that at age 55 you have the necessary cpf retirement account ra funded what happens to the rest of the excess money in the ordinary account oa and special account sa can we withdraw freely and how in what order will it be withdrawn from the respective accounts here goes the responses from cpf board question if there is still balance in my sa after deducting the sum for ra will it remain in the sa or will the balance be transferred to oa it will remain in the sa question and thereafter is it correct that any time after age 55 i can withdraw any balance left in both oa and sa yes your understanding is correct question which gets deducted first if i choose to withdraw must it be from sa first before oa or do i have a choice the board processes your withdrawal in the following deduction sequence question is it true that i can then withdraw as often as i want after age 55 for instance can i withdraw a monthly sum of my choosing till the balance in oa and sa are depleted yes you can withdraw all the savings in your sa and oa at any time from age 55 i e multiple times in a year provided you have set aside the frs in your ra related what happens to my cpf savings when i turn 55 how much cpf savings can i withdraw from age 55 how much cpf life monthly payouts will i receive posted by lizardo at 9 23 pm 19 comments email this blogthis share to x share to facebook share to pinterest labels cpf retirement 16 september 2019 how will the cpf retirement sums be formed upon age 55 so we have heard about the various cpf retirement sums i e basic brs full frs and enhanced ers which gets committed upon reaching age 55 and for which these will generate lifetime of payout from age 65 onwards or deferred till age 70 if so decided here s an interesting response that a friend of mine obtained from cpf board on his queries it provided details on how the frs and ers will actually be formed edited extract question 1 instead of frs or ers can i choose any amount that is in between even though i have enough for ers at age 55 allow us to share with you how retirement account ra will be created for you when you turn 55 by default the board will create your ra when you turn 55 by setting aside the applicable full retirement sum frs in the ra the transfers of cpf accounts to make up the frs will be made in the following accounts and sequence i funds in the special account sa and ii if i is insufficient to set aside the frs in full funds in the ordinary account oa will also be transferred to your ra to make up the frs the process of setting aside the frs is automatic and applies uniforml y to all members turning 55 after the ra is created with frs at 55 you can then transfer the remaining savings in your sa and or oa of any amount and at any time to your ra as long as it is within your topping up limit the topping up limit is the maximum amount you can top up to ra topping up limit in ra is computed as follows hence if you wish to transfer an amount lesser than the topping up limit in ra i e setting aside a retirement sum between frs and ers you can do so as well question 2 if there is still balance in my sa after deducting the sum for ra will it remain in the sa or will the balance be transferred to oa it will remain in the sa for more information what happens to my cpf savings when i tu...
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