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How much are you earning per annum?

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  #11781 (permalink)  
Old 26-08-2019, 11:47 PM
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You are a very wise man. Enjoy life when youíre still young and healthy. No point retiring so late and when your health is poor. Many retirees will live in poor health even though they live till their 80s. Retire early and enjoy retirement in good health. Those people who are already rich but want to continue becoming richer and working so hard until they become sick and then die are not so smart. All the wealth they work so hard for cannot be enjoyed by them. Their children will just squander their wealth and they enjoy life and retire early.

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Originally Posted by Unregistered View Post
Former finance professional. Millionaire.
Retired at 44 after a successful career.
Lives in a mortgage-free 3 bedroom luxury condominium unit.
Drives a loan-free continental luxury car.

Grew up in a lower middle class family.
Worked very hard. Did well in school and career.
Moved up the social and economic ladder.
Moved up to the upper class.
Achieved the Singapore Dream.

Earning passive income from investment portfolio. Net worth grew steadily over the years.

Besides growing my investment portfolio and spending more time with my family, I volunteer at charities to help the poor and needy.

Life is indeed a lot better now.
I am happier and healthier.
Life is more meaningful and fulfilling.
I feel blessed for helping the less fortunate.

Life is not about the endless pursuit of material wealth. The hunger for material wealth, power and status is never ending by those who are fooled by this world.

True wealth = sufficient material wealth + spiritual and emotional wealth + physical and mental health + spending time with family + free time to enjoy and do what we want + travel the world + lots of reading on many subject matters + meaningful fulfilling relationships + giving back to society + richness in life experiences.

We only live once on this earth. YOLO. Time on this earth is the most valuable asset which no one knows how much he is given. No one knows when he is going to die. Every second spent will be gone forever. A lucky few will die in their 90s while most will die in their 70s and 80s. Some will die in their 50s and 60s before they can enjoy a single day of retirement. Some die young, in their 20s, 30s and 40s.

I am very fortunate and blessed to be able to retire at 44. I have so far enjoyed six years of early retirement.

I am very happy and grateful as I have achieved FIRE (Financial Independence, Retire Early) while still enjoying a very good and comfortable lifestyle in Singapore, one of the top cities in the world and the best city to live in Asia.

As a millionaire, I am very lucky to be among the top 0.25% in the world. This privilege gives me a strong motivation to volunteer at charities to help the poor and needy. I am humbled by this privilege. With privilege comes responsibility.

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  #11782 (permalink)  
Old 27-08-2019, 09:13 AM
Hiring Freeze
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With the economy slowing, some companies should have made freezes to headcount already. Anybody heard of hiring freeze either from their companies or from the market?

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  #11783 (permalink)  
Old 31-08-2019, 11:04 AM
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Quote:
Originally Posted by Hiring Freeze View Post
With the economy slowing, some companies should have made freezes to headcount already. Anybody heard of hiring freeze either from their companies or from the market?
F and b still hiring aggressively. Manpower shortage.

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  #11784 (permalink)  
Old 16-09-2019, 08:04 AM
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I want to retire at 55.
My home is paid up.
I have $500k cash savings.
This cash to spend between 55 and 65.
I will spend $1.5k pm for food, insurance and utilities. $180k over 10 years.
At 65, I will get my CPF Life, $2k pm for the rest of my life.
I lead a simple life.
No car, eat cheap and healthy.

I have many things I want to do during retirement.
No need to spend much money.
I like to read. Can go library. Free.
I like to jog. Free.
I like to go to the park and exercise. Free.
I like to watch movies. Not free but can afford.

Can I retire at 55?
Any advice?
Thank you.


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  #11785 (permalink)  
Old 16-09-2019, 04:56 PM
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Can retire. Cos your expenses not high.

Just remember to stay healthy as medical bills can be very very high.

Take care!






Quote:
Originally Posted by Unregistered View Post
I want to retire at 55.



My home is paid up.
I have $500k cash savings.
This cash to spend between 55 and 65.
I will spend $1.5k pm for food, insurance and utilities. $180k over 10 years.
At 65, I will get my CPF Life, $2k pm for the rest of my life.
I lead a simple life.
No car, eat cheap and healthy.

I have many things I want to do during retirement.
No need to spend much money.
I like to read. Can go library. Free.
I like to jog. Free.
I like to go to the park and exercise. Free.
I like to watch movies. Not free but can afford.

Can I retire at 55?
Any advice?
Thank you.
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  #11786 (permalink)  
Old 18-09-2019, 09:01 AM
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You can surely retire. $500k is a lot of money to spend over 10 years. Most likely you will not spend that much. The most $300k over 10 years. So you can keep the $200k. Your cpf life gives $2k pm, thatís a lot for one retired person if you spend wisely. Donít splurge on unnecessary stuff. You can cook simple meals too. Cheap to cook yourself. So go ahead and retire at 55! You are successful! Retirement is all about your lifestyle. If you eat at restaurants every day, drive a car and go for holidays every 3 months, then even $20k pm is not enough for retirement. Lol.


Quote:
Originally Posted by Unregistered View Post
I want to retire at 55.
My home is paid up.
I have $500k cash savings.
This cash to spend between 55 and 65.
I will spend $1.5k pm for food, insurance and utilities. $180k over 10 years.
At 65, I will get my CPF Life, $2k pm for the rest of my life.
I lead a simple life.
No car, eat cheap and healthy.

I have many things I want to do during retirement.
No need to spend much money.
I like to read. Can go library. Free.
I like to jog. Free.
I like to go to the park and exercise. Free.
I like to watch movies. Not free but can afford.

Can I retire at 55?
Any advice?
Thank you.
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  #11787 (permalink)  
Old 08-10-2019, 01:18 AM
David_Olesh
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Post Question

Hi! Iīm interested in applying for the programmer position i this company called "NewTech", and i wanted to know if any of you guys knows or have worked in this company. I would like to know how is it, payment or any info you could give me. Apreciate any help
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  #11788 (permalink)  
Old 09-10-2019, 04:50 AM
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If you meen "NewTech Programming & Consulting", I think I'm your guy. I worked there as an IT Engineer and I have nothing but good reviews. Is a great place if your looking for working in the latest advances of programing in general, and when it comes to payment, I can tell you is better than other average companies. 100% Recomended
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  #11789 (permalink)  
Old 09-10-2019, 04:52 AM
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Quote:
Originally Posted by David_Olesh View Post
Hi! Iīm interested in applying for the programmer position i this company called "NewTech", and i wanted to know if any of you guys knows or have worked in this company. I would like to know how is it, payment or any info you could give me. Apreciate any help
If you meen "NewTech Programming & Consulting", I think I'm your guy. I worked there as an IT Engineer and I have nothing but good reviews. Is a great place if your looking for working in the latest advances of programing in general, and when it comes to payment, I can tell you is better than other average companies. 100% Recomended
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  #11790 (permalink)  
Old 10-10-2019, 06:47 AM
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Arrow

Am really interested in getting a side income.

Currently working on a full time job overseas in Europe. Normal paycheck - about 4-5k per month (converted to sgd).

0 investments: i have a few fixed savings bonds paying couple of %s (here in european banks). I only understand stock markets as something you hold long term, like >5 years, and Im not sure how much you can even get after 5 years say if you invest 5k in a well performing stock...and dividend paying stocks, do they break even from broker fees and etc?

Right now just saving...very conservative, very cash rich but almost no returns. Not sure if i want to invest in a property and try to get rental income...

Feel like starting somewhere - for those in similar circumstances, any advice?
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