Giant Panda

@heybudgie @straits_times Singapore only cares about heterosexual family nucleus with kids, all others are by product

The rise in singlehood doesn't necessarily mean the decline of the household. Rather, it might mean the household is being redefined. Throughout Asia we're seeing new forms of economic cooperation emerge, whether it be from multi-generational living to co-living and even friends planning retirement together. The future may belong less to the traditional household, and more to intentional communities. What do you think? 🤔

More young Singapore residents aged 25 to 34 staying single, especially among Chinese bit.ly/4vFTOjr

@oldmanshinji @DRTnky Tbh if you’re going for BTO, you are not really in financial surplus

@DRTnky A 3/4rm BTO in non mature estate expensive meh?

As a married, young Singaporean, aged 30, I can say with confidence that staying single isn't really a choice Most of my friends (even the well to do ones) are single because of the rat race "There's so much to do at work" "I don't have the time to date, end of year need to get promoted" "Housing is so expensive, I need to save up money first" Honestly, it's no fault of theirs but it's still disappointing to see people not dating because they want to win at "work" What a society

@Chicky_Think Fair, you can get a slot for Gemini pro quite cheaply with a dummy account as part of a family plan to test out. 40sgd a year is quite affordable

@rockeyelephant I see. Thanks for sharing. I cannot do this experiment because Claude has memory of what I want so it churn things faster than other AI (which I seldom use)

Most people blame the AI when it gives a wrong answer. The real problem is almost always the input. Three reasons your AI keeps failing you. 1.Unclear problem. Fix it with prompt engineering. 2.Missing context. Fix it with context engineering. 3.Wrong information fed in. Fix it by grounding the AI with the right dataset before it generates anything. Master these three levers and you don't just reduce errors — you make hallucination structurally harder to produce.

@Chicky_Think Claude seems to “get it”, Gemini seems to always miss it tangentially, which creates more work in needing to verify its logical leaps and inferences

@rockeyelephant I see. What is the output and your analysis using gemini and Claude?

Kudos to Bloomberg for writing a story about non-traded BDC redemptions coming in below the 5% quarterly tender offer, knowing that anti-private credit doomerism won't get clicks.

@debt_serious $OWL is back near its IPO price

Good for Ares. $Owl met entire 17% earlier this year, and still got trashed. All funds should gate and protect the existing investors. Also, going retail was a big mistake for private credit.

@jonathanirvings bet you didnt serve NS. citizenship is not just a status, but shared history and heritage. unfortunately we do not see you as part of it, nor are you part of the SG evolution. just a typical extractor

A short journey of how I got my Singapore citizenship I got admitted to NUS as an undergraduate in 2013. Took me some time to get used to the people, the environment, Singlish, and other stuff. I graduated in 2017 and started working here until now. Hesitated for some time whether I should apply for a PR (Permanent Resident), but finally decided to apply after the great Jakarta floods on New Year's Day 2020. I got my PR in 2020 H2. For the next 2 years, while waiting for the minimum 2-year PR period to apply for citizenship, I deliberated whether I should do so. When the 2-year timer was up, I was sure that applying was the right decision, hence I did it. Got my citizenship on New Year's Eve 2024, and I have been a proud Singaporean ever since.

@chryskon Id rather buy ECC at this time

Chinese tech extremely oversold, I can see short term bounce here especially heading into quarter end as short sellers cover positions and portfolio rebalancing by institutional investors $baba

@DonPalermo5 enterprise SaaS arent going anywhere soon due to high robustness requirements. More likely that they incorporate elements of AI within.

Where would $MSFT and $ADBE be without their ridiculous fee revenue for 2010's best enterprise software solutions? Will innovations lead to localized solutions to mitigate the risks of storing sensitive information in the cloud? Cloud=MASSIVE RISK in an AI world!

@JimChuong CLO

How would you invest $1M today?

The best part about financial independence is that you simply stop letting work consume your whole life. If something doesn't go your way, it doesn't carry over into your personal life. For example, we worked extremely hard to put together this AI solution for a FinTech company for the past few months. The CTO ended up resigning at the 11th hour and he was our internal champion. They decided just to put the project on hold. Now if this happened to me earlier in my career my stress and anxiety would be through the roof. In fact, my Director (who I've never met in person, but via our Zoom calls I can tell he lives a pretty lavish lifestyle just like most other salespeople), is stressed out of his mind. I mean yea it's annoying, I worked hard on it, and I can't just turn the "top performer" mindset off. But knowing that at the end of the day, my bills are paid, and I dont "need" this deal to hit my goals makes me feel at peace.

I'm a cardiologist. After 40, stop guessing about your health. These numbers tell you whether you're building a long, vibrant life — or quietly declining without knowing it. I run these on myself. I run them on every patient I care about. Most are cheap bloodwork. All are available now. And together, they paint a picture no standard annual physical will ever give you. Print this. Bring it to your next appointment. Your 60-year-old self will thank you. ꟷꟷꟷ 𝗙𝗮𝘀𝘁𝗶𝗻𝗴 𝗜𝗻𝘀𝘂𝗹𝗶𝗻 Target: below 5 μIU/mL. Ideal: 3-4. This is the 10-year warning bell your standard panel completely misses. Your glucose and A1c can look "normal" for a decade while your pancreas is working overtime to keep them there. Fasting insulin catches insulin resistance 5-10 years before your A1c moves. By the time A1c rises, the damage is already extensive. 𝗛𝗢𝗠𝗔-𝗜𝗥 Target: below 1.0. Calculated from fasting insulin and fasting glucose. The single best measure of insulin sensitivity. Above 1.0 and your metabolism is already under strain. Above 2.5 and you're insulin resistant — even if every other number looks fine. 𝗛𝗯𝗔𝟭𝗰 Target: below 5.4%. Not below 5.7% — that's the threshold where medicine calls you "prediabetic." By then you've been metabolically compromised for years. Optimal is below 5.4%. Blood sugar mastery is longevity mastery. 𝗧𝗿𝗶𝗴𝗹𝘆𝗰𝗲𝗿𝗶𝗱𝗲 : 𝗛𝗗𝗟 𝗥𝗮𝘁𝗶𝗼 Target: below 2. Ideal: below 1. Your metabolic health crystal ball. This ratio predicts insulin resistance, cardiovascular risk, and metabolic syndrome better than any single lipid number alone. A ratio above 3.5 is a red flag regardless of what your total cholesterol says. 𝗔𝗽𝗼𝗕 Target: below 80 mg/dL for moderate risk. Below 60 for high risk. I've written about this extensively. ApoB counts every atherogenic particle hitting your artery walls. A 2024 analysis found 54% of patients had dangerous levels that standard LDL testing completely missed. If you only know your LDL, you're driving with one eye closed. 𝗟𝗽(𝗮) Test once in your lifetime. 100% genetic. 1 in 5 Americans are elevated. Triples heart attack risk independently of everything else on this list. Diet and exercise cannot lower it. The 2026 ACC/AHA guidelines now recommend everyone be tested. Most never have been. 𝗵𝘀-𝗖𝗥𝗣 Target: below 1.0 mg/L. You can have perfect cholesterol and inflamed arteries silently preparing to rupture. hs-CRP measures the fire behind the plaque. The JUPITER trial proved that finding and treating inflammation saves lives — even when lipids look fine. If this number is elevated, your mouth, your gut, your metabolic health, and your visceral fat are the first places to investigate. 𝗩𝗶𝘁𝗮𝗺𝗶𝗻 𝗗 Target: 50-80 ng/mL. Not the bare minimum of 30 your doctor accepts. Suboptimal vitamin D is linked to higher inflammation, weaker immunity, increased cardiovascular events, worse mood, and poorer outcomes across nearly every disease I treat. Supplement D3 with K2 — without K2, calcium deposits in your arteries instead of your bones. 𝗧𝗲𝘀𝘁𝗼𝘀𝘁𝗲𝗿𝗼𝗻𝗲 (𝗧𝗼𝘁𝗮𝗹 + 𝗙𝗿𝗲𝗲) Men: optimal range 600-1000+ ng/dL total. Declining testosterone is an independent predictor of cardiovascular death in men. It's tied to insulin resistance, arterial stiffness, visceral fat accumulation, and systemic inflammation. DHEA-S drops 10-20% every decade after 30. Tracking these isn't about vanity — it's evaluating your body's systemic resilience. 𝗕𝗹𝗼𝗼𝗱 𝗣𝗿𝗲𝘀𝘀𝘂𝗿𝗲 Target: below 120/80. Aim closer to 110/70. Every point above optimal is cumulative arterial damage. Buy a home cuff. Measure morning and evening, seated quietly for five minutes, arm at heart level. White-coat readings in the office miss what's really happening. The smartest $40 investment in cardiac self-care. 𝗩𝗢𝟮 𝗠𝗮𝘅 Men over 40: above 40 mL/kg/min. Women over 40: above 35. Cardiorespiratory fitness is the single strongest predictor of all-cause mortality — stronger than smoking, diabetes, or heart disease as individual risk factors. A landmark study in JAMA found that extreme fitness was associated with the lowest mortality with no upper limit of benefit. You can estimate VO2 max with a timed mile, a rower test, or a wearable. Get faster every year. 𝗡𝘂𝗺𝗯𝗲𝗿 𝗼𝗳 𝗠𝗲𝗱𝗶𝗰𝗮𝘁𝗶𝗼𝗻𝘀 Target: as few as possible. Every medication you're on should be earning its place. I just wrote about five commonly prescribed drugs that do more harm than good with long-term use. Bring your full medication list to every appointment. Ask: "Do I still need this?" Deprescribing is one of the most powerful and underused tools in medicine. ꟷꟷꟷ Thirteen numbers. Most available through cheap bloodwork and simple tests. Get them once or twice a year. Here's what I want you to understand: these numbers don't just tell you where you are. They tell you where you're heading. A fasting insulin of 8 today becomes diabetes in five years. An ApoB of 120 today becomes a heart attack in ten. An hs-CRP of 3 today means your arteries are inflamed right now — regardless of how healthy you feel. The standard annual physical checks a fraction of these. It was designed to find disease that's already there. This panel finds the disease that's coming — years before it arrives. What gets measured gets improved. Optimize with the foundation I write about every week on this platform: Zone 2 cardio plus resistance training 3-4 times per week. High-protein whole-food nutrition. Sleep 7-9 hours — non-negotiable. Morning sunlight. Stress management. And the targeted supplements I've covered in detail — creatine, magnesium, CoQ10, D3+K2, glycine, omega-3, psyllium husk. The breakthroughs coming in the next decade — gene editing for cholesterol, cellular reprogramming, senolytics that clear senescent "zombie" cells driving inflammation and aging, GLP-1 drugs rewriting metabolic medicine — will be most powerful for people who've already built the metabolic foundation to receive them. The future of medicine is personalized. But it starts with knowing your numbers today. Print this list. Book the bloodwork. Own the data. Prevention isn't passive. It's the most aggressive thing you can do for the decades ahead.

@Dearme2_ Treasure your parents. Even if they are occasionally sarcastic to you - one day you wish they would be around to throw barbs at you.

Mature men who are 30+, please drop one piece of advice to men 18 to 27. It can be about anything!

@abigbluebird @yx3142 HR will tell u that your overseas experience is not relevant. Even for finance ppl from ldn/nyc trying to move back - they have to take massive paycuts

@yx3142 I think one of the most valuable things for a young Singaporean worker to have is overseas experience, which is abit of a rarity here

Singapore has been an outlier for the longest time in which it’s the only country where one can expect to go to school, university and find a decent-paying (by first world standards) graduate job without ever having to move out of their house. Those days are coming to an end. It’s harder to justify the Singaporean premium foreign businesses have to pay in terms of additional CPF top up/operational costs in Singapore. There are a few unemployed people in my social circle and there’s this underlying arrogance that irks me when you raise the issue of finding a job overseas. There’s no other country where a graduate frowns or has that faint look of disgust when you suggest that they seek employment in other countries. As LHL said, time to steal the lunches of other people.

Go to a divorce court once. Just sit and observe. Not a single woman is crying for love. They are just there to destroy a man’s life and loot all his money.

Growing up for men in society is all about killing your inner child and turning into an emotionless Gollum so everyone around you can use you without any guilt. Your existence depends on your usefulness like a slave you don't have a right to exist if you're not useful. Having hobbies, expectations, dreams and hopes may make one non conformist and lash out at society which is obviously not good. You have to be the perfect receiver for the pains of others if you try to rebel you'll be shamed into submission or ostracized from society You kinda become the martyr for society's indulgences you pay for the mistakes & frivolity of others just because you are unlucky. You're born in a prison and you have to buy your way out of it.

I'm part of Gen Z and slightly younger than him but he's completely right, because the way our generation thinks goes like this: If you follow the system and work "hard" at your 9-5, you aren't rewarded. There is no future in it, because you are essentially a slave for the people at the top and the backbone of the system. You pay 35-50% in taxes and have 0 stake in society. Buying a house or apartment was every single generation's number 1 priority. Now? You're priced out of the housing market entirely, unless you want to become a slave to a bank for the rest of your life. Every day you're being destroyed by inflation while banks print money out of thin air. The cost of living is simply ridiculous, and you cannot save your way to a future, because the more money you hold in your bank, the less purchasing power you have over time. The "save money" approach that Boomers love to preach because they are so disconnected from reality, worked for previous generations because the times were completely different. This whole "eat less at a restaurant" is outdated bullshit. Even if you start your own company, the chances are high that you're already being crushed by the competition, or you get wrecked by taxes and imaginary 'laws' designed to prevent you from creating any wealth. Companies like Amazon, Microsoft, Intel and Apple have essentially monopolized the entire world. Your average person doesn't think "how do I start a business?", they think "how do I put money into their stock or this crypto?" because the only way to multiply your money is to join the winning team rather than try to build one. There are exceptions of course; plenty of people still succeed doing their own thing, but I'm talking about the average person here. Bottom line is, capitalism has gotten out of control. I won't even get to market manipulation, healthcare scandals, DEI, mass illegal immigration and using wars to launder money, then having the public to pay the price while the rich get richer. So you're probably wondering, what does my generation do? > Some slave themselves to the banks by following the old system which has priced them out from living, completely dead on the inside, hating every day of their lives and don't know any better. > Some start their own businesses and look for any avenue outside the system (typically online), because the system caps you in the real world based on how far you can scale. > Some check out entirely, they work a basic job but spend every paycheck down to zero; travel, buy whatever they want, go outside, and enjoy life as much as possible because there is no future worth saving for. The one thing all three of these groups have in common is that they all want to see the system burn to the ground because these politicians are so good at talking, yet nothing ever gets done. They constantly abuse people as much as they can. It used to work for a while, but not anymore, which is why people around the world have lost faith in every single government. Best advice I can give anybody is to avoid governments as much as possible. Avoid putting yourself in debt. Avoid their propaganda. Operate outside of the system by starting your own thing, the internet is your best friend here, understand that most 'rules' aren't real, and stay away from anything they tell you is 'good' for you.

@DRTnky I argue that the best durians are in SG already. Best time to buy is when they are freshly opened and packed

Went to a durian plantation in JB yesterday with the in laws because they were craving it (again) Honestly, quality was subpar to the ones we found from fruit stalls May have stumbled into the wrong farm or maybe they sold us the lousy stuff but man was it disappointing Durians were huge af tho