Do yourself and others a favor, close your mouth when eating

Have you ever sat next to someone who munches away without closing their fucking trap?

I do and I myself used to do it.

I must make a conscious effort to not do this myself.

Because it’s damn irritating to others. And it’s disgusting and it’s rude.

I will also teach my kids about this so they don’t grow up to be such ill mannered people, and worst, not aware of it being ill mannered in the first place.

Peace and close it

Comments

Expenses of a middle-classy Singapore uncle with family

I don't know what exactly is considered middle-class in SG, but I figured its the fat range in the middle section if we were to line people up based on income. There will be a steep drop off from the bottom 5% and a steep surge from the top 5, and another galactic surge from the top 1%. Uncle is pretty sure I am in that middle chunk of 90%, and based on my estimation, should be in the front 30 percentile in this chunk. Now, this is how my expenses look like for myself (excluding what my wife contributes). The numbers are on per month and in SGD Car expenses (loan, insurance, maintenance, tax, fuel) = $2,500 Insurance premiums = $800 Utilities bill = $350 Mobile lines for 5 = $90 Home internet line = $30 Services (Netflix, Spotify, iCloud) = $60 Condo maintenance fees = $350 Property tax = $250 Groceries and take out meals = $1200 Allowance for my parent = $1000 Allowance for kiddos = $200 School fees for kiddos = $150 Tuition fees = $270 Piano, and music classes = $900 Sub-Total fo...

Getting comfortable without a salary from working

Not sure if I am there yet. Basically I am effectively drawing down my cash each month, primarily due to 2 things : mortgage and income tax mortgage (after CPF) is about $9k per month income tax is about $5k per month My investment cashflow covers all my other expenses, including utilities, groceries, handphone/internet bills, insurance, property taxes, condo maintenance fees, personal spending. With some input from wife who is still working, I am still out of pocket by almost $11k per month. She will continue to be able to save a decent sum per month and I'll let her grow that and managed it for her via safe investments. Am I comfortable? Not really. I will if I am not out of pocket per month. If I really stop working for good, the income tax amount will go to $0 after 2025. So only mortgage left We can pay off the mortgage but I think I said before, it doesn't make sense since it's our home and we will be locking the money up with little leeway to do other things. So I ...

How Uncle’s financials behave during 1.5yrs of early retirement

Been a roller coaster... Due to changes in USD vs SGD strengths Due to volatile NASDAQ stocks Due to SG stock market movements (but this one is mostly up, and on a bull!) Hopefully 2026 brings peace and some prosperity The above included about $150k of dividends collected Of course the above is nett after Uncle's expenses lah. No need to makan meh? lol The above doesn't include equity in Uncle's home. That is likely around $1.8-$2M SGD Uncle's lao pok car? that's neutral now (resale value covers outstanding loan)

uncle lim kopi

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