I started my new job last month and I am definitely busier at work. In addition, I would need to pre-clear our investment + a minimum of 30 days holding period (no trading) except for ETFs and those robo where we can't make decisions to invest in the underlying. Hence, to make things easier, we will probably be shifting towards that direction too. The result of the NIPT/harmony test is out and we will be expecting a baby girl! Long story short, we went to KKH to get the test done as it was supposed to be at a subsidized rate of $400+ (as of 2019) as compared to private $1-2k. Unfortunately, the staff was telling us that the government stopped subsidizing it late last year so we ended up paying about $800+. Not as much savings as we were expecting for going through all the hassle (going to the polyclinic to get a referral) but...