Ferrari Me (Ferrarilim)

  Sharing on Teeth & oral hygiene 1. This week I met with few Seniors in their 70s & 80.  All are still able to walk without aid. 2. Particularly two of them already have full lower mouth dentures. One was candidly showing me his food cutter in case that he had to eat hard meat. 3. It seems like lower teeth decay first.  4. One has to floss our teeth regularly to remove plaques. At least half-yearly regular visit to dentist is required too for cavities, cleaning and oral checks. 5. I used to have my dental in Singapore. But now my dental appointments are in Bkt Indah Dental Clinic. The cost is 1/3 cost of that in SG. ~~~~ 6. Lol. I had an ex-colleague, 60yo then, whose teeth is always seen with full of plaque. Each time I speak to him, somehow I would be looking at his teeth. As I did not know him well, I held my comment. 7. Inevitably after a few years, I saw that he had lost two front lower teeth. Dental Plaque Dental plaque is a sticky film that forms on your teeth. E

 1. My sharing on my layered 20 endowments: a. For the past 10-years, I have been building up about $600k worth of endowments to supplement my Retirement Income base. I started the Endowment Chapter in 2011 at age 47. (The same year that I also embark from my health regime and clocked 4 full Marathons in 10 years.) b. And 10-year later, this Endowment Chapter is yielding results. Starting from 2022 at age 58, my layered endowments have and will be paying my lifelong cash payouts.  Last year was $40k, This year payout is $70k.  Next year onwards will continue to give me $40k+ p.a. , not including annual cashback reinvestment of $12k per year over next 6 ~ 8 years. This endowment payout will give me a stable average $4k p.m. of retirement income when I retire. c. For now, likely I will taper off my Endowments Chapter. One thing about nibbling into endowments, it gives me time and investment maturity & clarity for next portfolio.   d. I supposed that one cannot avoid stock and propert