Poor man rich baby
3months old. 12k in my baby bonus account. Papa said shd be Thanksful for the govt that give me a head start for my age.
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Enough already. So irritating.
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To buy or not to buy
We have been waiting on the side line for the property price to drop further, but the down trend is slight and not consistent. We have our eyes on a newly completed condo near an MRT. The price of the unit size we want is still way higher than the launch price 4 years ago, although it has stopped going up since the TDSR.
With the gahmen saying that they will now cut down on land sale, we are not sure whether we should wait any longer. Even the HDB BTO supply will be reduced. It is clear the gahmen don't want the prices to drop too much. Likewise for car COE. Now we also not sure if we should wait till next year when our current COE expire or to change car now for the new year. There was a lot of talk that there will be bumper crop of COEs next year, but the gahmen is cutting car growth to 0.25%. And with many people still wanting to buy a car after scrapping their old ones, it looks like COE prices also not going to go down much if at all. So to buy or not to buy? Quote:
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Look at affordability instead. If you can afford it (now and also the future mortgage payments), then go ahead! |
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that's a 20% salary haircut already, on top of the bit of tax to pay Q1 every here. so to foreigners who complain of high taxes in their countries, we aren't so different i guess. ways to use CPF monies, lock-up, rates of returns, etc. are subjected to the government's whims - an asset is no longer an asset if you have no control of it... thence my view of CPF as above. |
Career and Investment
Hi friends,
I'm new on to this forum and keen to know more and exchange experience with working professionals on career development. Secondly, It's been always in my mind to pick up some knowledge about investments and not too sure where do i start about. May i have some guides and advices? I'm sure there are many of you from different level of knowledge and well-versed in investments. Thank you in advance. Have a nice day!:):):) |
married: 34 with 2 young toddlers
HDB flat worth $400k, loan 250k Combined Cash + stocks $180k Combined CPF OA & SA:$30k No car Are we considered little saving? Thanks |
The more important question is are you happy with your life? Are you happy with your work and how your career is progressing?
If you are happy, dont go and compare here and there. There will always be someone doing better than you. The quickest way to destroy happiness is to compare with others and find that they are doing better, are richer, have nice cars, big homes, travel business class and have special privileges. I have a colleague who was so happy receiving his bonus that he gave his other colleagues a treat only to find out later that among the 5 of them, all the others have higher bonuses. He immediately became moody and angry. Quote:
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I own a flat worth $400k, mortgage remaining $200k.
My cash and cpf in total, $100k. Is this ok? I am 35. |
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