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Letters of Administration / Probate - DIY application

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It's been almost 2 months since my mum's passing. I have not had the mood to blog as there's simply too much for me to settle - both tangible and intangible stuff.  For the first month, there's like a void in my life that I couldn't get used to because I was so used to the daily routine of taking care of her. It felt like a boulder lifted off my shoulder, as I was near breaking point; but this boulder was not gone, instead it shifted to my heart. The passing was sudden but not unexpected. My mum's condition deteriorated rapidly after her last fall, which led to hospitalization, and every hospitalization made her more frail. On the last discharge she could barely sit up in bed. My mum  did not leave behind a will  because she did not see a need to at that time when she still had a clear state of mind. Without a will, I would need to apply for the Grant of Letters of Administration in order to administer her estates. (Note: If there's a will, one would need to
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T-bills and CPF Time Deposit

I saw this in the news today -  OCBC offers new option to customers to earn higher interest from CPF funds . For the first time in history I see " CPF Time Deposit " offered by a bank. (Technically speaking, CPF is like time deposit with the government. This is like time deposit outsourced, albeit for a very short period? ) Previously those who were eyeing "higher interest" (via external returns) on their OA accounts can only invest through CPFIS into T-bills and it may be a hassle to do so, except for DBS digibank customers who can do it via online. I wonder if other banks will soon follow suit to offer "CPF Time Deposit ". (Since people may be starting to run out of liquid funds for parking.)  DBS bank has an  article  about investing in T-bills and I think it rightly pointed this out:  "It is not as straightforward as you will need to work out the “breakeven” yields of T-bills for using CPF savings to ensure that you will not be in a worse off posi
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Success in life

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Different levels of our life and career Level 1 - Aimless You have no earthly idea what you're doing or where you're going. You have no direction. Level 2 - Stuck You can envision yourself doing better but can't seem to get out of a rut. You might work hard but experience very little progress. Level 3 - Coasting You are going through the motions. Your life is on cruise control. You do what you have to do to survive. Level 4 - Developing You are steadily growing. You've had incremental improvements over the past few years, and your relationships and career have excelled. Level 5 - Thriving You are operating in your sweet spot. You don't have to do anything. You get to do everything. Level 6 - Mastery You are doing so well that you're in a place to help others do the same. from  "Leveling up" by Ryan Leak I came across the above while browsing IG and it made me reflect on how success in life and career is defined. Which level am I at now? In my early 30s
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Caring for beloved with dementia

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It can be stressful to care for dementia patient, especially when you don't know what to expect of their disease progression and how to tackle the problems that their change in behavior brings.  Dementia is a disease of regression of the whole being - from declining cognitive function, memory losses to declining mobility and difficulty eating. Therefore, dementia-proofing can be a gradual process and what need modifications in the house very much depend on the stage of dementia. I was quite lost on what to do when I first heard that my mom was diagnosed with dementia, but slowly I learnt to cope with it. Managing dementia In the initial stage, memory loss and forgetfulness is the main sign with no behavioral issue. So putting  up reminder / guide signages in the house, using whiteboard to cue To-dos, preparing medications in pill boxes (AM and PM separately) and setting reminder alarms are useful. Switch socket covers and childproof outlet plugs can be installed if the elderly like
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Money flow and management

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Banks are pumping up interest rates in the shortest time span ever. (I saw that CIMB is currently offering as high as 4.2% on its fixed deposit! A rise of 1-2% in interest from just a few months ago. Darn, I should have waited.) This interest hiking spree is attributed to FED's rate hike , which caused the treasury bills yield to be climbing for a while. Hot money (from past QEs) have been flowing out of risk assets (cryptos, equities, junk bonds etc) to the supposedly more secure assets (bank deposits and gov bonds). Note that periods of past FED rate hikes are in year 1999-2000, 2004-2006 and 2007-2008. Then we see rate cuts after these periods. Inflation and loans interest rates have been climbing too. Layoffs are starting, economy seemed to be slowing. We won't be surprised to see  recession , perhaps from next year, if the FED rate hike and inflation continue at this pace. Gotta keep a watch out for recession trends like a rise in the unemployment rate and a decrease in GD
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The contents of this blog are author's personal opinions and do not constitute advice to hold, buy or sell any securities, commodities or assets mentioned. I do not guarantee the accuracy and reliability of any information provided, and shall not be liable for any losses incurred from reading my posts or using the materials herein. This blog may contain affiliate links to external sites.