Keep dreaming, it's the only way to go

I used to work at a specialist clinic as a clinic assistant. Boss is great. Colleagues are great. It's a really awesome, almost stress free environment to work at. I have nothing personal against them, but I always wonder, because of my knowledge in TCM, diet and natural health, how do doctors actually overcome their conscience when they prescribe drugs such as steroids. You may be thinking that I don't make any sense at all. You may be thinking, being a doctor is one of the best professions in the world! They save people and earn good bucks at the same time!  There has been so much evidence of how diet can be used to cure diseases ranging from autoimmune (eg. eczema, psoriasis, lupus etc) to lifestyle diseases such as diabetes and high cholesterol, and yet when patients ask the doctor if there is anything that they should avoid, and the doctor says nope. It's like the very thing that's causing harm to the body is already known, and yet because there are steroids (and o...

Another thing we do when we start earning an income is to get insurance. There are many different types of insurance, but here I am only stating the reasons why I finally decided against getting a life insurance. 1. My biggest recurring expense is covered by another insurance, which I sort of forgot about at first when I considered getting life insurance to protect my income. That expense is my HDB mortgage, which is covered by HPS (home protection scheme). 2. My other expenditure is <1k, which my hubby is able to achieve even if he were to work part-time. Financial planners use the 10 years x your income to calculate your adequate coverage, but personally I don’t feel I need to protect my full income, just my expenditure should be sufficient. And for now that expenditure can be covered without insurance. One important thing my financial planner raised was that when we fall ill, our partner would have to spend a lot of time taking care of us and would not be able to work full time. ...