Tag: t_fuxi

affordable workout classes: xpSelf^rmSelf

Posted on by tiger40490

Workout classes … is One of the greatest illustrations of the framework defined in rmSelf^xpSelf .

Q1: As of today, do I feel tougher working out by myself compared to a class?

— Q: is this creep? .. (not splurge) Yes according to the evaluative rmSelf’s, but I need to honor the xpSelf.

If I were to answer Q1 during every class, I would give a positive answer 80% of the time. In summary, I do feel good whenever I was in a class.

So there is some minor conflict between the evaluative rmSelf vs the xpSelf. There are other factors at play, though they would make this blogpost more suitable for the open blog.

  • factor: brbr, creep
  • factor: healthy longevity
  • factor: unhealthy dependency, resilience

— Q: how does personal training compare? The xpSelf would feel less rather than more comfortable, and the cost is much higher, offending the rmSelf.

So the best workout class is a large, low-cost class.

MRNA 0%: eg@good news all baked-in

Posted on by tiger40490
  • 🙁 should have bought fractional, just as Baba, Twitter, Blink and BeyondMeat
  • 🙁 no div
  • 🙁 volatile
  • without checking analyst targets, I decided to buy right after SG announced approval, but in hindsight, I guess such approvals and expected approvals were already baked-in.

The hype around the companies should serve as a reminder that those who travel on the most successful investment paths don’t pay attention to the flashing lights from advertisements along the way, and neither should we.

## some advantages of SG citizenship over SPR

Posted on by tiger40490

This is written for some friends asking me

Q: as a Singapore PR, why should I bother to apply for citizenship?

  • Primary school registration favors citizens
  • university subsidies .. for citizen students. Admission criteria? Not sure
  • scholarships .. usually target citizens
  • bursaries … mostly target low-income citizens
  • LTVP .. sponsorship of your family members if you are citizen.
  • free or subsidized job training .. for mature job seekers
  • some job positions favor citizens
  • GST voucher?
  • one-off relief during economic crisis
  • hdb home upgrade .. citizens pay (almost) nothing
  • [r] reduced fare on public transport
  • [r] recurring rebates .. monthly utility, town council fees..
  • [r] medisheild subsidy .. is more generous for citizens
  • [r] government hospital subsidies
  • [r] polyclinic subsidies
  • [r=impacts retirement planning for wife and me]

— school fee subsidy.. including preschools

  • Primary school: PR pays about $200/M vs $0 for citizens
  • Secondary school: PR pays $400+/M, vs $25 for citizens
  • JC: PR pays $460/M vs $72 for citizens

risk appetite: me imt cohort

Posted on by tiger40490

In asset%allocation: imprecise current snapshot=best, bulk of my asset allocation is risk capital:

  • eg: For stocks, see affluent individuals often favor Funds over stocks
  • eg: for stocks, I pick many unfamiliar or small-cap (risky?) stocks while many peers (Kun.H) focus on a few familiar names.
  • eg: For overseas properties, yes my choices are considered risky by all account.
  • eg: For HY/PE, yes my choices are considered risky by all account.

See the blogpost on risk capital.

how I gauge illiquidity@security explains one of my fundamental attitudes on risk.

My “cohort” includes age groups 10Y younger or older than me.

retire]your familiar countries: rationality

Posted on by tiger40490

Many Australians/NewZealanders feel Singapore is inferior as a retirement destination, as the quality of life is “poor” for their taste. I think they are rational.

We don’t have unlimited number of years to try out various locations for retirement, so we end up picking among the 3 or 4 cities we have tried-n-tested, even though another destination may actually be a much better choice.

In defense of this common practice, perhaps it’s not completely naive and irrational. Perhaps what’s familiar and comfortable makes the best retirement destination.

Q: can we really retire in rural China or Malaysia?
A: I tend to feel positive about my adaptability

U.S.med bx price=$400/head #deductible

Posted on by tiger40490

UHC is one of the biggest “networks”. Most doctors (except very specialized) are IN (in-network), or they don’t get many patients.

Make sure you present your insurance card. If clinic still assigns you an OON doctor, it’s their mistake. They have to deal with it. You shouldn’t be penalized or bear the cost.

–with employer

  • CSDoctor pays $5k/Y for a family of 3. He said total was $6k+20k from employer = 26k/Y premium
  • DeepakCM pays $250/M for a family of 3
  • Jack.Zhang (family of 4) said after MS layoff he needed to pay $25k-$30k/Y via COBRA. XR agreed to my estimate of “$500+/person/month”
  • As MS employee, Jack.Z paid $1k+/M and enjoys 50% subsidy by MS. XR said similar at Barclays, but Citi and JPM are worse.

–without employer:

  • Shanyou pays $1500/month for a family of four. In 2020, he said $1600/M, but with high deductibles.
  • in 2020, DeepakCM pays $1200/M to cover a family of 3. He said one friend pays $2200/M BCBS to cover a family of four. Another friend pays $1650/M UHC for a family of four.
  • XR said $400/person is typical
  • XR said there’s a cheaper one for kids, though some doctors don’t accept it.

khm shop units=excellent outlier@@ No!

Posted on by tiger40490

Now I think the 3 shop units together appears to be an outlier if “plotted” along return vs risk

  • ==== returns
  • guaranteed rental without vacant period.
  • potential windfall
  • — cost that erodes returns
  • 0 legwork — huge cost in the U.S. context and Singapore too
  • 0 taxes
  • 0 repairs
  • low currency exchange cost
  • ==== risks are mostly listed on REIT/dividend stock^shop unit but I will pick a few
  • uncertainty of dividend? perfect track record so far
  • perceived risk to principal? no sign of trouble but this is the biggest question mark over the outlier status.

Conclusion — too early to call it an outlier. Need to see some units changing hand at reasonable prices.

Because this data point appears to be so much ahead of the pack, I tend to develop emotional attachments.

I tend to feel too proud of them.