“Baby ah - we got BTO number”, she shouts from across the room.
The hairs on your skin shiver. Endorphins flood your brain. Your heart palpitates as it rapidly redirects blood to your half erect cock, quickly bringing it to full mast.
“What number?”, you ask cautiously, not wanting to get ahead of yourself.
“132” - she replies.
132. Out of a 976 unit development. 5 year MOP. Should be able to get mid-high floor. Without morning sun.
450 - 550k purchase price. 5% due now, the remaining 20% due on key collection.
Gahmen recently announced a new revitalisation programme for the area. New mall, new bicycle path, new MRT link.
Easy flip for 1m+ after 5 year MOP.
Finally the time has come for your ascension.
You gaze upon her, eyes filled with love. She has never looked so beautiful. Sitting there in her university T-shirt, phone in hand. Her red brown balayage hair pulled away from her acne scarred face in a low ponytail. You watch her pull a funny face as she updates her Instagram and besties Telegram group with a 5 second video.
Sure she’s a 5/10 by any objective measure. To anyone else, she is a mid SMU psychology student with questionable job prospects and bland hobbies (food 🍔and travel✈️❤️).
But to you - she is the angel of your financial ascension.
Years pass.
You have since graduated and now hold down an office job at Shoppee. So too has your wife, she does 'marketing and comms' at some SME. After three years of living with your parents, it is finally time to collect the keys.
You hand over the cashier's order for 100k to the HDB employee. It wasn't easy but between your savings, a loan from your ah ma and the angbao profits from your wedding (off-peak Thursday lunch reception @ Holiday Inn Orchard no open bar suckers!), you got there.
As you finish signing the papers, you mentally write up your net worth by 500k. Then you add an asterisk on it. Just in case you know. Your wife has just finished her selfies with the HDB sign and pulls you into a photograph with her.
You smile.
A few years pass.
"No lah! No lah!" - you exclaim loudly at a gathering of your secondary school friends who jest that you have 'made it already' because of your luck in securing your BTO. "Cannot sell la - still got MOP!"
But deep inside you smugly muse "Yes bro - I did fucking make it". A friend who became a lawyer humble brags about how busy he is and 'offhandedly' drops his salary and how much he spends on rent. "Sucker paying other people's mortgage" you quietly muse as you sip on your mug of Tiger.
As you return home you observe your wife being dropped off by her handsome ang moh colleague in an Audi. She laughs as he hands her the Chanel handbag she bought on Atome and waves her goodbyes. The wide smile on her slightly red face - a smile you haven't seen in years - fades slightly as she sees you.
"We had team drinks and Thomas offered to drop me off. Very nice of him."
"Yea ok cool" - you reply, unsure if you want to start another fight.
Sensing the tension, she tries to change the subject.
"Oh by the way ah, I spoke to my secondary school friend Celine. She in real estate now. She say ah - that our unit probably can sell 1.1 - 1.2m+ when MOP leh!"
You smile - blood returning to your phallus.
2 long years pass.
"Thank you Sir" - the DBS banker smiles warmly as you hand him the signed housing loan agreement.
After eight arduous years, you were finally able to dump your HDB on the next sucker for over 1.1m. After agent fees etc, you got away with a clean profit of over 500k.
And today marks the culmination of your ascension to the condo class.
A 2 bedroom condo in the newly TOPed Merdeka Jewel - 750 square feet at $3000 per square foot at 2.25m. Sure it is a little smaller than your 990 square foot HDB but its not like you need that much room. Your wife made it abundantly clear that she does not want to have kids because she is 'too busy focusing on her career' (although you still question what the fuck her actual job is).
Rolling your savings and your HDB profits into the 25% down payment and taking the 30 year loan at 2.6% interest was a no brainer. 8k a month in mortgage payments seem steep but is manageable. As long as you both keep working. I mean it will all pay off right? Singapore property is up only after all.
You look to your wife and her Chanel handbag. She smiles back at you, she too celebrating her ascension to the condominium class. You can hear the gears in her head turn, the dopamine firing at the thought of all the likes her house tour video is going to get on Instagram.
"Ill be out tonight with friends" - you tell her. "Ya ok I got plans also" - she replies.
You text your real estate agent to confirm that you will exercise the option to purchase. Your cock is now fully erect at the thought of your ascension.
Then you go on WeChat and text Lanlan "我好想你 - 今晚见!❤️"
You smile and take in the Singapore sun.
Damn it feels good to be a Singaporean son.
The crux of this issue is language, culture, and thought - not money or space.
The language that Singaporean culture is built on worships the idea of fiat progress as the main goal. As such, everything is viewed within the lens of "bank account go up/down".
When a society has calcified into this belief, no amount of monetary spending by the government can solve the issue. They are in a deadlock with themselves, with the beast that Temasek Inc. created. Fundamental policy issues have led to this, be it the language campaigns that got rid of dialects and uprooted current generations from being able to connect with their past (another driver for low birth rates), to the "Stop at Two" campaign.
We are a majority Han country - as such, we are +10 IQ, +10 social conformity, -10 risk taking -10 love/happiness/romance (we have a deficit in the genes for soul and expression). Inevitably the other races like the Malays and Indians get dragged into our psychological orbit by osmosis, and the continued push of inflation and modernity's obsession with more leads to the decreasing of birth rates.
Religion and faith are big drivers of desiring children and increasing the birth rate. However, the secular religious experiment of Singapore has largely failed, with the implicit religion of our nation being the rat race and a chase for more and more. The reason why the Malays are more impervious to the devil's trickery is partially the lower average IQ, but also the deep connection they have to their extended families. The Chinese have far less familial connections, and are more isolated as a race. While the majority of top-performing Indians in our nation are Christian/Catholics, they too are buying the belief that education above all else creates a society that views children as a penalty and punishment.
There are multiple ways to fix the birth rates, we might call it, "The Fertility Question", to nod at previous visionaries. A radical reset of a universal endowment would incentivise a brief spike, but ultimately would fall as inflation continues to reduce the value of such a bonus.
Women are the deciders of which male genes are passed down to the next generation. In the case of the high-IQ Singaporean female, university educated (foreign uni, if upper-middle class) - to find a male suitable of reproduction is a fool's errand. 2 years of NS hampers their economic standing, and by the time they have caught up and begin to fulfil their potential (early/late 30s) - the damage is already done.
The idea of the "wall" for births as well persists due to our ministers being specialized organisms, like worker ants specified to simply trim one part of the poplar tree, while other ants fulfil their roles in the anthill. A reasonable man, with an open enough mind, would understand that today, women in our nation WILL give birth in the right circumstances, and HE has to create those circumstances - but we are not governed by reasonable men. We are governed by the ghost of a dictator watching over the shoulder of menial laborers, where their thought processes revolve around election numbers and approval, and not the Will To Power. The Iron Rice Bowl produces rot over time, because when grains continually appear for the holder - they do not wash the mold, the dirt, the detritus from it.
The wall is reversible, women can have families deep into their 40s-50s with the right technology and health guidance, but our medical system is so fossilised that to even suggest this might get you thrown into IMH. All of our current problems can be fixed - it is that we are trapped in a loop that refuses to fix them for the psychological price to pay is too much. The inability to go against the tribe is why we are where we are.
So many policies could be enacted overnight to begin boosting birth rates. For one, the shaming of wealth for the masses must begin. Plutocrats and wise merchants will know it is not for them - there is always a loophole for the mercantile man! But the only way Chinese-based societies move is through negative feedback loops. Undoubtedly, this can change, BUT we are in dire times. If a family, a man, a woman, is unmarried and without child and has ample resources, he must be maligned and mocked more than the NSF with no means or power. We must raise up the value of children and families, we must hold up the ideals of sacrifice, of building for the future higher.
A complete radical shift of culture and thought must take place to solve this issue otherwise, more radical solutions (female immigration visas) will have to take place. The Great Replacement in Singapore is already at hand. I am shocked that the government does not consider raising the population of Whites in the nation from where it is now, to an enclave that rivals the Indians and Malays. The West is largely still out of order, and may only repair itself in the coming decade. This gives us 5-10 years to easily immigrate the English speaking, higher-earning, more risk-taking population that has escaped out of Europe, and undoubtedly some will be hypergamous men leaving us with plenty of Eurasians. But no matter - the state can and easily will take care of these kids. We have the reserves. Much better to spend them on bastard children than to lose them in another FTX scenario.
There are also huge pockets of the world where 2nd/3rd world nations with genetic material compatible with Singapore's society exist. The concept of a female immigration visa will inevitably become a parliamentary debate in 10-15 years (Hoeflatoor frontruns as per usual, again), because of Singapore's soft power growing alongside Chinamaxxing and our modern airport, our safe streets, our stable society. We seek to hand out more PRs next year. Why not open the floodgates and bring in a swathe of women from Central/Eastern Europe where their GDP per capita is a fraction of ours? Why not bring in the South American women, whose bodies are built for a tropical climate and thus far more relaxed than our Hansect majority? We have already transmorgified into a globalistic society that was not the case 60 years ago. We might as well go the whole damn mile. A close friend of mine married a Mexican - I have never seen a happier (and fattening) man thus far. If we accept that our society must be moulded, let's go all the way. True eugenics. True world-making. Huxley and Darwin would be proud.
This solves the male/female dynamic where the man has to have more earning power, introduces a more open genome into the Singaporean bloodstream, and the subsequent mix may even bring forth the next LKY level genius to bring our nation forward. But this sort of solution is mocked and laughed at, said impossible - but still, the birth rates continue to drop. No innovation. No progress. No real thought. Loops upon loops upon loops. In a way, our governmental system functions like a swarm of LLMs repeating each other's prompts to each other, and the hallucinations are beginning.
The issue of a Han-based society is that the women judge on finances and power, not on soft skills and romance. A Hokkien businessman will spend 100k on a sugar baby that does nothing for him, when $300 in Brazil would have bought him love that his soul has never experienced. This is also why the first airline to bridge South America and Asia will cause an existential crisis to the women of Singapore - an average Carioca woman commands far more love and affection than our local cbs could. It would be like letting loose a pack of ravenous dingos into an island of dodos. Considering how we walk as a society, with our hips, waists, and backs locked in existential, psychological pain - it is what it is.
When a culture cannot reproduce, the culture has failed. We are a tiny nation teetering on the brink of extinction, and our rulers do not understand the ways in which we can fix it, albeit with out-of-the-box thinking. But the Singaporean politician cannot think out of the box - he does not even know the box exists! The Truman Show, but on Oxley Road.
The Kiasu mind and its consequences have been a disaster for the Singaporean people. Because we live in fear, we cannot reproduce. We are trapped on a tiny island, where our cost of living continues to creep ever higher, where we are gaslit into believing we have one of the greatest passports on the planet, yet the average sinkie cannot leave. A humid hellscape where if you lift a finger to express anger at the uber-rich, you will be hung. A man turned into a docile pig, walking a cage lined by trees imported from Brazil. Yet LKY was already replacing the flora with other tropical organisms. He knew! Why not we simply start bringing in the fauna as well. So simple. So genius. Yet, so maligned and misunderstood (me).
For a population to reproduce, it must believe that a better future exists or that they are reproducing to outlive an enemy. Yin and Yang. But our politicians have bought climate change hook, line, and sinker, letting its devious claws hook into the younger populace - I don't want to have kids, the environment! The space! The money!
The population is not to blame, nor are the women - the blame is on the cultural system as a whole, the organism, the way it thinks and speaks. We have cast a spell on ourselves, where we believe that the only form of success is climbing up the ladder. That is the only form of success, our children turning into PSLE top scorers. We do not view life as sanctimonious and beauty and an obligation to bring forth - it is to be feared, to be worried about, to be stressed over.
This trapped mindset is why we cannot breed. Too much higher thinking for the future, not enough relaxing and enjoyment to make love, to conceive, to dream of better days and nights.
Increasing female dating competition will force the lowering of standards and cultural shift (female immigration) - but unlikely.
Changing our cultural dialectic towards children, towards the idea of "success" as a whole will solve the issue - but unlikely.
We are staring at the iceberg of death on our tiny ship, charging towards it ever closer, and the clock is ticking. To fight against the tide of a psychological mass of millions is nigh impossible. It will require a Man of Superior Will to turn the odds. I shall pray for us all today. God be with you!
There’s literal panic out there.
Stock is down 80% from highs
while it was “supposed” to hit $150 😂
Officially a bagholder
who rolled profits from the last win
right back into it.
$HIMS
When you die, your life will be summarized into facts about your early life, 1–3 short anecdotes showing your qualities, what you meant to others, and who you’re survived by.
Whatever you’re stressed about today won’t make the list.
>be relatively successful real estate midwit who coasted off a fiat boom of the late 2010s into the 2020s, creating zero value for his nation while extracting blood from its populace like an aedes mosquito in Hougang
>be larpy christian online posting about jesus and bible verses with 4 kids
>be dumb enough to hire relatively hot Sg Chinese gril bc well, ur christian larping makes u tired of ur wife
>realize she kinda dumb but hot and gives views on socials, promote her up the ranks while starting an affair
>bc midwit, post pics of u + cha bor tgt going on "work trips", "work retreats", holidays to BKK
>bc midwit Han, dunno how to cover up opsec and have a concubine like the Ancient Chinese with deception and skill (Hokkien blood, not Teochew or Cantonese obv), fucks gril in company office
>bc gril is also midwit, she won't stfu while getting PORKED, so loud that realtors next door start noticing it and film it when its the 4th time in a week
>vid contains 5 min of baboonesque sex noises, then both u n gril walking out of office together sheepishly
>vid goes viral in Sg realtor circles bc everyone knows you overpromoted the girl cuz she's cute w no sales record n the crabs in the bucket are waiting to rip u to shreds
>turns out gril got married 8 months ago + got money to open restaurant as IG influenza, curious
>both u n gril flip all social accs to private, looking even more guilty of alleged affair
>mfw sinkie pwn sinkie once again
@cozypront That X account is a scammer larping as a girl and lying about being a victim of the hack to bait engagement.
>44 username changes
>countless meme coin scams
>only 234 posts for a 2023 account
>they preblocked me
X User ID: 1725149174780268544
Those who can, do
Those who can't, fud
Before writing a paper maybe learn the definition of what you are studying? ADL does not "transfer pnl to HLP." It treats HLP entirely symmetrically with users. **ADL has nothing to do with HLP or backstop liquidations**
ADL did not "destroy $653 million of pnl" either. If you don't understand what you're talking about, you are not qualified to spread lies masked by fancy ML terms to sound smart. It's a shame that these are the "academics" that the industry looks up to.