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#46
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Siao ah. HDB returns would be more concrete than CPF ERS. CPF is a legit ponzi scheme. It relies on having more contributors than withdrawals since majority of it is invested into ultra long dated gov bonds. With the aging and declining Singapore population, how do you think that would work out? Why do you think retirement and withdrawal age is being pushed back. Do you know initially CPF withdrawal age is 55? Today its 67. In another decade don't be surprised its going to be 75. You will die before you see your CPF money.
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#47
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Re: What is the one piece of advice to give to your young self?
there are no friends in workplace.
__________________
I up your points for fun. |
#48
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I wish a parent or teacher would explain what charisma is. It's not about having the gift of gab, showing off, or bragging about one's wealth, looks, physique, intelligence, accomplishments, trophies, material possessions, beautiful girlfriends, luxury homes, or supercars.
Charisma is about being relaxed, confident, humble, and low-key, and making all the people I meet feel relaxed and comfortable, regardless of the situation – whether it's face-to-face, by phone, email, messaging, or video chat. Most importantly, it's about making them feel good about themselves because of me. |
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