Half ze Time

بسم الله الرحمن الرحيم I know this topic is too early as I just stayed in this house for only a year and a half but I just want to see2 look2 what are my options and what I can get.  Basically, whatever we pay our current house by CPF will go back to CPF. We can only get the cash proceeds only when we have profits. For example, I bought my house at $420k and selling at $450k, my cash proceeds will be $30k. Now I am contemplating whether I want to sell my house or not with only $30k of profit. My house can definitely go higher because very near to amenities such as primary and secondary school, near to MRT, malls and market. Is just that whether my house is nice enough to upsell that price by 2024, my house will be 39 years old. I can't sell it any later because of age even though the area and amenities are quite good. I was thinking that the profit is going to be our Hajj money and insyaAllah the balance for our future. But that is if we get lucky again to get a house that doesn

  بسم الله الرحمن الرحيم I had itchy scalp when I was growing up, maybe from 15 years old and not knowing about the dandruff only when I was 21. I suspected that my dandruff also the main cause of my eczema because when I scratch my head, I will tend to scratch my inside elbow, forehead and neck. I told my friend about my flaky head and she said it is dandruff.  I even went to Yunam Haircare about my hair loss or hair thinning and she said it is because of my dandruff problem. I went to some saloons too but the problem did not go away until recently I tried Silkpro.  It is expensive and I was not convinced. I was toggling between Silkpro and Herbal Essences (Argan Oil) which is so good to my hair but it did not resolve the scalp problem.  Finally after just using 2 bottles of Silkpro, masyaAllah and I only realised that the flaky stuff just gone like last 2 weeks! haha. its is very good and I am thankful towards Allah that this is gone. No wonder my hair is thickening and I felt hot be

Since we are trapped in concrete jungle and no where else to go, we were encouraged by our government to do a Singa-holiday. So many sale and promos going on, from staycation to attractions, it seems very tough choice to choose, which one would you choose to go that is considered worth it? Many hotels are giving away packages for staycation to attract us to stay and even, giving $100 each Singaporean for staycation from Dec 20 - Jun 21. The only 2 hotels I was looking at were Marina Bay Sands and Crowne Hotel. Marina Bay Sands giving out many packages such as Gardens By The Bay, ArtScience Museum ticket discounts , their Skyedeck, Sampan ride and digital light canvas for members at only $10 and e ven giving $120 voucher for 2 night stay to spend at Shoppes . Their swimming pool opens since 6am and we can swim for 1 hour. You can sign up to be a member for free !  Crowne Hotel just opened their doors in October (later than other hotels) and we were happy with joy. A's favourite ho

 It is $15.6k in total. This is the most expensive bill I ever received so far. I got a shock of my life with all the procedure's charges. This is the total bill and what you saw on top is the IVF transfer day itself, I opted ICSI instead of the natural including the storing and freezing of the 2 embryos. Your receipt may be different pricing of what are the things you opt for. The rest of the medication was under my name of $2462 (I paid forward with my own money). So, after government funding of $7700, Medisave of $5000 (because I used my first cycle for IUI), an adjustment from the hospital, I had to pay $2624 on my own in total. Alhmadulillah for the heavily subsidized and funded by the government. I am so blessed. Now we will just wait for the next review to start our new cycle. The next round will be lesser the bill because I have 2 frozen embryos in the fridge, just doing the frozen egg transfer (FET) while suppressing the body from not ovulating and create the correct amoun

بسم الله الرحمن الرحيم After the long break, I was bumped to go back to work everyday knowing that I don't have work and having to work longer hours (10am - 4pm) than previously (11am - 3pm). But it turns out exciting since we were discussing on CPF, HDB, Medisave, the new CareShield and since Monday, it was about marriage. I will talk more about marriage in a separate blog because it will be loooong. We were talking about CPF and HDB, how HDB were putting lots of rules to let or don't let us buy resale flats for newly wed/first timer. After much discussion I just realised that the HDB made a new rule not to use all of our OA CPF contribution for our house. They made it harder for younger generation to buy resale and pushing them to buy BTO. For me alhamdulillah we managed to use all CPF that as we bought a 1987 house when I was 30 years old. For my cousin, he got married to his wife of 25 years old, they could only buy a house that aged 29 years (built in 1991) or earlier.  Ho

بسم الله الرحمن الرحيم BACKSTORY We got the not-so-strong positive test before our IVF programme (11 -13 Jul) but on 16 -18 Jul, I checked again, it got fainter and I got my period on Saturday, 18 Jul. It was sad because if not, I don't have to continue with my IVF journey. I didn't tell A earlier about the double line is because I wanted to surprise him and my dad for their birthday but it turns out it backfired me instead. Told A about it on my period day and he was confused, puzzled, surprised and sad at the same time. Overwhelmed with the information like oh, we are pregnant but you got your period? So what does that mean? Do we finally get a success and then it didn't happened? Is it early miscarriage? I called SGH on Saturday (18 Jul) to check when I could come down to collect the injections. They asked me to come on Monday morning (20 Jul), took a blood test and collected Ganirelix (Orgalutran) to stop from premature ovulation.  The injection is stinging compared to

بسم الله الرحمن الرحيم As my previous post stated, I've already started my IVF journey. What happened before our IVF is trippy. Let's get to know more about PCO and my TTC journey.  Before my IVF cycle My body was feeling weird  that is not how normally what I will experience nearing my period. I blamed Letrozole because it gets me too gassy and bloated. And sometimes I have tender breast and feeling nauseous nearing my period. I checked the pregnancy test on my 10 DPO and it was negative, I was okay. Not sad but still hopeful. I watched Youtube channels on TTC, PCO and pregnant and some of them telling the experience and symptoms they had. I was curious and I checked again on 13 DPO cycle day 27 (was supposed to wait for 14 but I was too excited) and saw the finest line. I was so happy but i kept quiet about it. I am so shocked and thankful towards Allah for answering my prayers. It was surreal. I kept on coming back to my drawer and look at it again and again. Is it real? I w