Thank You! Jia You.
wavehunter ( Date: 20-May-2026 10:08) Posted:
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Good morning! For info, I just bought some First Resources. The company announced a good set of results over the weekend. Since then, the share price has dropped nonstop for 3 days from ATH of 3.95 to today's low of 2.92, a retracement of more than 20%. Hoping to catch a small rebound ...
CONGRATS Bro spore.
Now that she is back at the 5.00-series, I am back in the running to collect my chye png voucher.
Hope by tomorrow can.
Or maybe Friday.
Also depend on which level I am looking at.
5.16 ?
5.20 ?
5.27 ?
Dunno.
Will go with the flow. 
Now that she is back at the 5.00-series, I am back in the running to collect my chye png voucher.
Hope by tomorrow can.
Or maybe Friday.
Also depend on which level I am looking at.
5.16 ?
5.20 ?
5.27 ?
Dunno.
Will go with the flow. 
spore1 ( Date: 20-May-2026 09:22) Posted:
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Collected voucher at 5.04
spore1 ( Date: 19-May-2026 15:41) Posted:
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Bro koala,
Below is a reply from CPF Board to my inquiry. From the reply, you will get the answers to your questions.
" We refer to your enquiry of 28 November 2025 regarding the factors that affect your CPF LIFE monthly payouts.
  Thank you for sharing your concerns. Under the CPF LIFE Standard Plan, your monthly payout is designed to remain stable throughout your retirement. Once your payout starts at age 65, the amount you receive is not expected to change significantly.
  However, CPF LIFE payouts are not guaranteed to remain exactly the same. CPF LIFE is a self-sustaining insurance scheme where payouts are matched to the premiums paid by members. Guaranteeing a minimum payout would require higher premiums from all members.
  Your CPF LIFE monthly payout may be adjusted based on the following factors:
- Changes in mortality experience and investment income.
- Transactions which affect your Retirement Account balance, for example, refund of money arising from selling property, top-ups.
  Any adjustments to payouts are expected to be small and gradual.
  We will notify you if there is an adjustment to your monthly payouts. We understand this is a significant financial decision, and we encourage you to evaluate it within the context of your retirement plan."
Below is a reply from CPF Board to my inquiry. From the reply, you will get the answers to your questions.
" We refer to your enquiry of 28 November 2025 regarding the factors that affect your CPF LIFE monthly payouts.
  Thank you for sharing your concerns. Under the CPF LIFE Standard Plan, your monthly payout is designed to remain stable throughout your retirement. Once your payout starts at age 65, the amount you receive is not expected to change significantly.
  However, CPF LIFE payouts are not guaranteed to remain exactly the same. CPF LIFE is a self-sustaining insurance scheme where payouts are matched to the premiums paid by members. Guaranteeing a minimum payout would require higher premiums from all members.
  Your CPF LIFE monthly payout may be adjusted based on the following factors:
- Changes in mortality experience and investment income.
- Transactions which affect your Retirement Account balance, for example, refund of money arising from selling property, top-ups.
  Any adjustments to payouts are expected to be small and gradual.
  We will notify you if there is an adjustment to your monthly payouts. We understand this is a significant financial decision, and we encourage you to evaluate it within the context of your retirement plan."
Sg_KoalaDreaming ( Date: 19-May-2026 22:25) Posted:
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The basic plan leaves a higher bequest so if one mati earlier will hv more $ fr yr love ones...Fr the standard plan if u hv a looong life will be vry worth...my ah lau choose standard plan n I on basic plan....
halleluyah ( Date: 19-May-2026 23:48) Posted:
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Bro koala, fr standard plan the payout is fixed unless due to int rate then will hv a small adjustment... fr basic plan the payout slowly decrease over yr....
Sg_KoalaDreaming ( Date: 19-May-2026 22:25) Posted:
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will be deeply appreciative if you can sometime later share whether the monthly payout will fluctuate month on month or year on year. Thanks Bro Wave and Congrats that you have another income stream coming in from CPF
wavehunter ( Date: 19-May-2026 14:20) Posted:
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OMG ..  * Laugh until fell off chair *  🤣
wavehunter ( Date: 19-May-2026 20:15) Posted:
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Wait say another 10 to 15 years, it will be your turn to sleep late late every morning and everyday is a Sunday or Public Holiday.  
Going into retirement is something you need to be sure you are mentally and financially ready before you hand in your resignation.
Becoz once you start your retirement and feel the super shiok from not having to wake up early every morning to get ready for work
plus enjoy doing all the other things that working people cannot do during office hours, the last thing you will ever want is realizing
you dont have enough money to last your lifetime and having to come out of retirement to go back to look for a job again. That' s a
NO NO !!! That must NEVER happen. Becoz if it happens, it will be a VERY VERY sad day for anyone who is in this position. But
some people dont have a money problem. They have a mental problem. During the last 2 years of my working life, a very old guy
who is already a grandpa came to join the firm. He told me that retirement is not for him. He was retired already. But his wife was
still working. That meant throughout the morning and afternoon, he would be alone all by himself at home. He couldnt take it. He
just couldnt handle loneliness and boredom. It affected him mentally in a way which was prejudicial to his mental health. That' s 
when he decided to find work again just so that he can have something to keep him occupied. Salary was the least of his concern.
His 2 sons are medical doctors. Money was never an issue. I heard from my former secretary that a few years after I left, that guy
left the firm too. I dont think he left to join another firm. I think what happened was his wife decided to retire too. So his problem
of loneliness was solved. No need to go to work anymore coz no more mental health issues. 
So those of you who are planning to retire, make sure (1) you have enough money to retire and (2) you have something to do OR
you can find something to do OR you are mentally and physically fine with having nothing to do. Happy planning !!! 

Going into retirement is something you need to be sure you are mentally and financially ready before you hand in your resignation.
Becoz once you start your retirement and feel the super shiok from not having to wake up early every morning to get ready for work
plus enjoy doing all the other things that working people cannot do during office hours, the last thing you will ever want is realizing
you dont have enough money to last your lifetime and having to come out of retirement to go back to look for a job again. That' s a
NO NO !!! That must NEVER happen. Becoz if it happens, it will be a VERY VERY sad day for anyone who is in this position. But
some people dont have a money problem. They have a mental problem. During the last 2 years of my working life, a very old guy
who is already a grandpa came to join the firm. He told me that retirement is not for him. He was retired already. But his wife was
still working. That meant throughout the morning and afternoon, he would be alone all by himself at home. He couldnt take it. He
just couldnt handle loneliness and boredom. It affected him mentally in a way which was prejudicial to his mental health. That' s 
when he decided to find work again just so that he can have something to keep him occupied. Salary was the least of his concern.
His 2 sons are medical doctors. Money was never an issue. I heard from my former secretary that a few years after I left, that guy
left the firm too. I dont think he left to join another firm. I think what happened was his wife decided to retire too. So his problem
of loneliness was solved. No need to go to work anymore coz no more mental health issues. 
So those of you who are planning to retire, make sure (1) you have enough money to retire and (2) you have something to do OR
you can find something to do OR you are mentally and physically fine with having nothing to do. Happy planning !!! 
yoga123 ( Date: 19-May-2026 17:18) Posted:
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You want to go with me to a URA open car park at Changi Village to wave pink lacy handkerchief at passing men ?    

yoga123 ( Date: 19-May-2026 17:16) Posted:
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OK noted! No problem
yoga123 ( Date: 19-May-2026 17:16) Posted:
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OK noted! No problem! I think bro sanvan bought some.
yoga123 ( Date: 19-May-2026 17:16) Posted:
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Happy Retirement, Bro !  👍
wavehunter ( Date: 19-May-2026 14:20) Posted:
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Haha.. Bro spore, I did not buy SingTel as no more money to afford it.
spore1 ( Date: 19-May-2026 14:10) Posted:
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Thanks! OK noted! Almost there !
wavehunter ( Date: 19-May-2026 15:31) Posted:
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SingTel...
Day High at 4.98.
Mai Khek Khee.
Ka Ka Lai.
Show us 5.00 and cross it.
Bro spore....good for you that you bought lower so can collect voucher at 5.06.
I cant.
5.06 is where I am at.
I have to wait for higher.
Day High at 4.98.
Mai Khek Khee.
Ka Ka Lai.
Show us 5.00 and cross it.
Bro spore....good for you that you bought lower so can collect voucher at 5.06.
I cant.
5.06 is where I am at.
I have to wait for higher.
5.27 can't imagine. May be 5.06 can collect voucher
wavehunter ( Date: 19-May-2026 15:12) Posted:
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Thanks Bro.
I retired at the end of Mar 2017.
I have been living in retirement for 9 years already.
I missed the Covid period in 2020.
And often wondered what it would be like if I had continued working.
Work from home is not possible.
Then there was one period half the staff were allowed to be in the office and the other half had to be at home.
Cannot imagine how to work with this restriction.
Which is why I was very glad back then that I was retired.
Coz whatever operational difficulties.....Boh Wa Eh Tai Chi leow.
Limpei can Kheow Kha and trade and relax and Khwa Tian Si Kee at home Song Song. 
I retired at the end of Mar 2017.
I have been living in retirement for 9 years already.
I missed the Covid period in 2020.
And often wondered what it would be like if I had continued working.
Work from home is not possible.
Then there was one period half the staff were allowed to be in the office and the other half had to be at home.
Cannot imagine how to work with this restriction.
Which is why I was very glad back then that I was retired.
Coz whatever operational difficulties.....Boh Wa Eh Tai Chi leow.
Limpei can Kheow Kha and trade and relax and Khwa Tian Si Kee at home Song Song. 
spore1 ( Date: 19-May-2026 15:06) Posted:
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Just 2 weeks ago, she was at 4.66.
Today she shows us $4.96.
That' s a good run of 30 cts over 2 weeks.
And it ain' t over.
She will continue to run another 31 cts to $5.27.
Then higher. 
Today she shows us $4.96.
That' s a good run of 30 cts over 2 weeks.
And it ain' t over.
She will continue to run another 31 cts to $5.27.
Then higher. 
wavehunter ( Date: 04-May-2026 11:05) Posted:
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