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How might we make accessible changing rooms available for people with special needs to change diapers in public toilets

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How to invest exponentially to be able to retire with disposable income by 50

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Solve the Problem - Brain Storming Ideas

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Solve the Problem - Brain Storming Ideas

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- Token Operated Room only for people with Special Needs
- Adjustable Height sinks
- Infra Red sensors in changing room to ensure safety for users
- Adjustable Height Toilet Seats
- Switches at lower heights for people on wheel chairs
- Sliding doors instead of swing door
- Barrier Free paths with no step
- Cabinet with lifts
- Table Top with Lifts

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Actve Aging LLP, 2019. Pressalit Indivo Lifts @ Singapore General Hospital's Rehabilitation Center

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Paralympic Rider, Stinna Kaastrup

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Selecting the best solution using Decision Criteria Matrix

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Selecting the best solution using Decision Criteria Matrix

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Where to go with my family and MIL between 22 Dec to 30 Dec 2025

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How to score higher for IPPT

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Solve the Problem - Brain Storming Ideas

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Solve the Problem - Brain Storming Ideas

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start early in growth assets investment

maximize CPF investment (special acc; CPF LIFE)

diversify investments (stocks, ETFs, real estate)

invest consistently (contribute to multiple investment portfolio)

use regular investment plan

seek financial advice / choose retirement plans

adjust/monitor investment portfolio over time (increase / reinvest earnings)

keep taxes low (e.g. SRS, stocks/property profits)

set clear goals

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Be financially free at age 45

Starting capital:250k

Target: 1m

Duration:8years

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Invest consistently & Monitor investment portfolio over time are ranked the highest.

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Selecting the best solution using Decision Criteria Matrix

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Selecting the best solution using Decision Criteria Matrix

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1. Finance - Fork out more cash for installment but is it affordable?

2. Environment - HDB is already safe, EC better security, access to facilities conveniently

3. Other Expenses - Conservancy charges vs Management fee..

4. Sell Price - HDB appreciate slowly, EC appreciate faster

5. Floor Size - HDB Bigger, EC - Smaller

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How to prepare for retirement at 55?

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How should I improve my fitness both physically and mentally.

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I want to juggle between Work Stress & Mental Health in Singapore

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How do I prevent my eldest son of feeling jealous of his younger brother?

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1) Recognising Work Stress (Identify Signs of Work Stress)

-Set Boundaries with colleagues, know when to knock off

-Time Management @ Work, break down task into smaller steps

-Delegate Tasks

2) Mental Health Awareness & Destigmatisation (Putting Mental Health as a priority in your day to day surrounding)

-Have open conversations with friends

-Seek professional help

-Employee Assistance Programmes

3) Self-care & Mental Health Practices (Self-care outside of work)

-Physical Exercise

-Meditation

-Sufficient Sleep and Rest

-Engage in hobbies

4) Work Life Balance (Balancing Singapore’s fast paced culture)

-Prioritise Personal Life

-Learn to say No

-Leverage on Work Flexibility

5) Managing Expectations (Expectations in both Work and Life)

-Be Realistic

-Celebrate Small Wins

-Talk to your Superiors

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Should I downgrade: from 5 rooms to 3 rooms HDB flat.

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Should I buy an HDB flat or a private condominium based on my financial situation, lifestyle needs, and long-term investment goals?

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Accomodation while HDB flat is undergoing the Home Improvement Program (HIP)

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1. Stay in 3 rooms

2. Stay in 5 rooms

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How to improve my health?

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Selecting best solution using decision criteria

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Selecting best solution using decision criteria

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To run faster as it has more points

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Strategy 1: Growth Investing with Risk Management (Moderate-High Risk, Lower Drawdowns)

Portfolio Allocation:

50% Growth - 20-30% CAGR

20% Cyclical ETFs - 20-30% CAGR

15% Dividend Growth Stocks - 9-12% CAGR

10% Bonds/Money Market Funds - 5% CAGR

5% Cash

Strategy Execution:

• Reinvest dividends into high-performing sectors.

• Sell covered calls on holdings to generate extra yield.

• Reduce exposure when market conditions turn bearish (rotate into defensive sectors or cash).

• Buy during market corrections when valuations reset.

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Buy a new car or renew coe?

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Eat a balanced diet.

By eating a balance diet, one will be better equipped to tackle the other essential health habits, such as regular exercise and sufficient sleep.

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1. Find activities that I'm interested.

2. Incorporate variety of exercises

3. Set realistic goals

4. Practice mindfulness

5. Learning new skills

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Strategy 2: Active Trading + Investing

portfolio allocation:

40% growth

30% swing trades

20% option selling and hedging

10% speculative

Strategy Execution:

• Swing trade in strong trends using technical & fundamental analysis.

• Use leverage strategically via options or CFDs but manage risk tightly.

• Exit trades quickly if momentum slows to avoid deep drawdowns.

• Adjust exposure dynamically based on market cycles.

• Deploy cash during bear markets to buy quality stocks at a discount.

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1. Maintain routines: Stick to familiar routines, like mealtimes, bedtimes, and playtime.

2. Spend quality time together: Regularly spend one-on-one time with my eldest son, doing activities he enjoys.

3. Praise and encourage: Positively reinforce my eldest son's behavior, especially when he's kind to his younger brother.

4. Avoid comparisons: Refrain from comparing my children's achievements, abilities, or behavior.

5. Teach empathy: Help my eldest son understand his younger brother's needs and feelings.

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Criteria:

1. Cost

2. Accessibility (e.g. transportation options)

3. Space & Comfort

4. Facilities & Amenities

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1. Eat a balanced diet

2. Aim for regular exercise

3. Increase daily movement

4. Prioritize sleep

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Gym Classes ranked the highest

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1. Do more push ups

2. Do more sit up

3. Run faster

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Solving the problem:

1. High-Income Career

• Choose a high-paying career

• Negotiate salaries, take promotions

2. Build Passive Income

• rent out a room

• dividend stocks

• Investment

3. Cut Expenses

• Minimize unnecessary expenses (Luxury items)

• Reduce oversea holidays (stay in budget accommodations)

• Use travel rewards & points

• Use cashback & discount apps

• Meal prep & cook at home

• Use public transportation

Best Solution: Cut Expenses

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Our current five-room space is being downsized to a three-room setup, which presents challenges in optimizing space utilization, maintaining workflow efficiency, and ensuring a smooth transition for all occupants. Key concerns include:

Space Constraints: Reduced room availability may lead to overcrowding, affecting productivity and comfort.

Resource Allocation: Reorganizing furniture, equipment, and storage within limited space without disrupting operations.

Functionality & Workflow: Ensuring that essential activities can still be carried out effectively with fewer rooms.

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Our current five-room space is being downsized to a three-room setup, which presents challenges in optimizing space utilization, maintaining workflow efficiency, and ensuring a smooth transition for all occupants. 

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Our current five-room space is being downsized to a three-room setup, which presents challenges in optimizing space utilization, maintaining workflow efficiency, and ensuring a smooth transition for all occupants. 

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Key concerns include:Space Constraints: Reduced room availability may lead to overcrowding, affecting productivity and comfort.Resource Allocation: Reorganizing furniture, equipment, and storage within limited space without disrupting operations.Functionality & Workflow: Ensuring that essential activities can still be carried out effectively with fewer rooms.

Our current five-room space is being downsized to a three-room setup, which presents challenges in optimizing space utilization, maintaining workflow efficiency, and ensuring a smooth transition for all occupants. Key concerns include: Space Constraints: Reduced room availability may lead to overcrowding, affecting productivity and comfort. Resource Allocation: Reorganizing furniture, equipment, and storage within limited space without disrupting operations. Functionality & Workflow: Ensuring that essential activities can still be carried out effectively with fewer rooms.