How is life as a doctor in Singapore?

Originally Posted by Unregistered

Come to Promises Healthcare, I am very keen to know who you are. I will even give you a discount off the first consult

Wah, hope u r not Dr Winslow.

No lah, cannot afford private psychiatric care, though last time was under private. My prev psychiatrist didn't charge me consult only a $50 admin fee.

Need govt subsidy, meds are expensive.

Originally Posted by Unregistered

Wah, hope u r not Dr Winslow.

No lah, cannot afford private psychiatric care, though last time was under private. My prev psychiatrist didn't charge me consult only a $50 admin fee.

Need govt subsidy, meds are expensive.

My condition is due to prolonged stress due to hubby's underemployment and a strong family history, I am lucky it hit me late and I caught it early.

Originally Posted by Unregistered

My condition is due to prolonged stress due to hubby's underemployment and a strong family history, I am lucky it hit me late and I caught it early.

That's why still can function at premorbid levels. I thank God for that.

Originally Posted by Unregistered

My banker just told me I can loan up to $1.87mil for 26 years as we can showfunds S$1.8mil.

Hubby ask me to increase loan as payable interest only 2.4% as we are priority customers and we can invest the extra loan amt for higher interest up to 3.5%.

Calculated can earn guaranteed S$20k extra in 3 years by getting the extra loan just by putting it in UOB one account.

Originally Posted by Unregistered

There are cases of illegal locums caught and censured by SMC...so be careful.

Can try investing in US stock market. We make about $1500 every month just by buying and selling stocks like Nvidia the AI darling.

Wtf

Why would be censured by smc?

If u sinkie or pr can work anywhere in Singapore
If u full reg, can locum anywhere

Ur employer don't let u locum is not smc problem.
It is just ur own company may say withhold bonus etc


Those censured by smc is those foreigner or no full reg

Originally Posted by Unregistered

Wtf

Why would be censured by smc?

If u sinkie or pr can work anywhere in Singapore
If u full reg, can locum anywhere

Ur employer don't let u locum is not smc problem.
It is just ur own company may say withhold bonus etc


Those censured by smc is those foreigner or no full reg

OKOK...

Actually when I was under bond, I requested for no night duties towards the end and also to work reduced hrs and prolong the bond by half a year. I worked in polyclinic parttime and in outside GP clinic as a regular Dr parttime. They also close one eye and allow me. So I guess it is up to yr employer.

Originally Posted by Unregistered

OKOK...

Actually when I was under bond, I requested for no night duties towards the end and also to work reduced hrs and prolong the bond by half a year. I worked in polyclinic parttime and in outside GP clinic as a regular Dr parttime. They also close one eye and allow me. So I guess it is up to yr employer.

I was well then but I told my HOD I have a family history of mental illness and cannot be too stressed, he accepted the reason and let me be.

Originally Posted by Unregistered

Whatever that you are saying is not realistic when you consider today prices. I am a non-surgical AC but I am already struggling to pay off my condo mortgage. Meanwhile my peers who chose to remain as GPs, are still stuck in HDB and some even complain the prices of HDB are too high.. you are looking at close to 1.3 million for a 5 room flat in a mature estate like Toa Payoh or Dawson

Buying even a condo is out of reach for the majority who remain as GP/FP, unless they get married and take up a loan with their spouse. Even then, it will take many years to service that loan

It is possible. I just bought a 2 bed condo for 1.5million as a single without parents help. In my mid 30s now (but only joined GP land 1 year ago), but need to save +++ once you start working, starting from your HO years to afford the down payment (around 400k cash+cpf if you include stamp duty, lawyer fees etc)

Originally Posted by Unregistered

It is possible. I just bought a 2 bed condo for 1.5million as a single without parents help. In my mid 30s now (but only joined GP land 1 year ago), but need to save +++ once you start working, starting from your HO years to afford the down payment (around 400k cash+cpf if you include stamp duty, lawyer fees etc)

Congrats! U must be very frugal. Hope your investment pays off.

Originally Posted by Unregistered

My condition is due to prolonged stress due to hubby's underemployment and a strong family history, I am lucky it hit me late and I caught it early.

I think you are lucky to be born in the right era in Singapore.
Nowadays if your monthly household income for couple is 7.5k, you will struggle even in daily expenses, let alone consider landed property.

Median household income nowadays is around 5.1k (so couple is 10.2k), even with that income, I think wil struggle with condo