Ferrari Me (Ferrarilim)

Just sharing on Personal Health charting Some people keep full record of the wealth and networth charting. For me, I keep a full record of 25-year personal health screening record of ~57 parameters tally; since 1998 to 2023. I would tabulate them, make diet adjustment to keep their numbers within baseline. In that way, my health numbers (cholesterol count, key organs numbers, blood and urine numbers) are regulated.  So far, from my 2023 health record to-date, I am able to keep these numbers to match my age 34 yo body health numbers. Many of my cohorts suffer from some conditions of diabetes, high blood pressure, bad cholesterol issues, some already on stents.  Putting aside hereditary cases, one can actually regulate through your dieting and regular exercises. ~~~~~~ For me, I started my jogging regiment since 2011 when I realised that my LDL cholesterol numbers had exceeded its nominal ranges.   Over the past 10-years, I pick my jogging, starting from 1.5km to compl...

Who says MY bank home loan is very high, more than 5%? Why rely on hearsay or rumour? Why not ask someone who owns MY property for more than a decade ago? Since TOP till now, my bank loan interest rate is fixed at 6.6%  - 2.4% = 4.2%; 6.6% being Basic Loan Rate (BLR) & 2.4% being fixed cost of finance. In other words, my MY home loan has been 4.2% fixed for many years.   (I jusy checked.  In fact my loan rate is now 4.05) Imagine 10-years ago, RM:S$ = 2.5; now RM:S$3.23   Translate to S$ loan interest, it's equivalent rate would be 4.2%/3.23 = 1.3%. So, 1.3% fixed rate, so long as the BLR is 6.6%. 1. Someone asks: "But that also means the actual value of your house has dropped via depreciating exchange rate." My reply: "Contrary, your purchased price is now discounted at 30% saving due to forex advantage for SG. 2. Someone asks: "But if you sell now? Current asset value…" I would reply, "It is always a blessing to enlarge our boundary and a good Pl...