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So Which car agency are you from? Might as well provide yr contact number here. |
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Yes, of course everyone is free to have his opinions. But to call others an idiot just because you cannot afford and others can is pretty miserable. |
Everyone's perception of what's required in life is different, do you have kids? Aging parents to bring to hospital for checkups regular dialysis treatments? How about driving them to Malaysia to visit their loved ones?
I have a divorcee friend living from paycheck to paycheck, he drives and for a good reason too, he has 3 kids of varying ages he needs to drop off at various childcare, schools. Maybe he should give them to the orphanage so he can save on the car and spending money on them. Wah 4K plus saved! What about people who work at Jurong island? And these are people who need to use their cars for regular life. Maybe they should learn to find a job centrally and let the FT's take over those jobs I know! The guy living at 2 Ridley Park must be the biggest idiot by your standards, got more then 10M worth of cars on the driveway and don't even use them. Just by your examples I can say people living in Singapore are idiots, why not rent house to foreigner and rent a place in JB and commute daily. Can make 2K plus a month, buy cheap car, maid cheap cheap. Everyone has a different perception of luxury, security, convenience and time cost and that does not make them idiots. Not everyone is as fortunate (or unfortunate) as you to not need a car as part of family obligations. Just because you met some buggers who cannot really afford a car yet have one and somehow step on your toes don't run around blaming everyone. Wanna be respected, watch how you label people in general. Then we might take your words more seriously. Quote:
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Basically the problem is that this thread has been cornered by some self serving people.
My suspicion is that there are at least a few car dealers here. A reminder to myself to consciously avoid this thread or maybe even this whole forum. For quality and good discussion, this place cannot remain a post for anonymous posters. For all we know, the actual no of individuals posting in this thread may be no more than 3 or 4! Totally support for a registered forum. In this aspect, HWZ Or even sammyboy is far superior! |
38, $280k pa
Wife, 36, $110k pa Home is a terrace, valued at $2.6m. Loan $500k. Cash & stocks: $800k. Unit trusts & CPF: $300K Car net value: $50K Total net worth $3.25M How are we doing? |
48, $80k pa
Wife, 42, $60k pa 2 kids in school Our savings, $40k pa Home is a 5 room HDB flat, valued at $650k. Fully paid. Cash & CPF, $370k Car (2 years old) market value, $80k No debt. Total net worth $1.1m How are we doing financially? |
Prediction Mar COE bidding
Cat A $62k Cat B $68k |
You are debt free and this is a big achievement. You can retire very well. Here's how:
Retire at 65. Your savings of $40k pa will grow by $680k. Invest in 5% dividend yield blue chips and you get $34k pa. Rent out your two spare rooms at $1k pm per room and you will get $24k pa. Put $241,500 into your CPF Life at 55 (both of you) and you will each get $1750 pm or $3500 pm ($42k pa) as a couple. Your kids will each give you & wife $1k pm (note: only in 17 years time when you're 65). So you get $2k pm (or $24k pa). In total your passive income will be $124k pa. With this amount, you can easily enjoy your retirement. Quote:
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