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Search: Posts Made By: ks55
Forum: Income and Jobs 23-09-2014, 04:36 PM
Replies: 12,087
Views: 3,880,565
Posted By ks55
Self pity ?

Meaningless posting. There are already thousand and one such postings.
What you actually want to tell us?
Regret can't get your message.
Forum: Income and Jobs 23-09-2014, 11:31 AM
Replies: 12,087
Views: 3,880,565
Posted By ks55
Good article

High growth rate will attract high inflation. High income associated with high cost for every type of services including workman. Cost of living is not govern by goods sold in market only. Affluent...
Forum: Income and Jobs 17-09-2014, 06:19 PM
Replies: 12,087
Views: 3,880,565
Posted By ks55
Things done in good faith

I am very sorry to be not sensitive to some of the very unfortunate cases as below:-

1. Many who live in Singapore are PR from Malaysia, they are not skilled worker earning miserable income. They...
Forum: Income and Jobs 15-09-2014, 03:25 PM
Replies: 12,087
Views: 3,880,565
Posted By ks55
Now you have a bright idea

Everybody should say a big thank you to the Singapore Government!
Singaporean must be the most pampered child on earth to have a farsighted and forward looking policies by PAP government.

Yes!...
Forum: Income and Jobs 15-09-2014, 10:50 AM
Replies: 12,087
Views: 3,880,565
Posted By ks55
Clarification

1. If you are not paying 20% tax, say 10%, replacement income to be 75%.
2. If you are still having commitment, eg children's education, maintenance of aged parents, then these criteria do not apply.
Forum: Income and Jobs 15-09-2014, 10:39 AM
Replies: 12,087
Views: 3,880,565
Posted By ks55
Correct way of assessing financial independence when you retire

From what I observed in this forum, many tend to use the term how much they earn, how much they save, how much net asset worth now etc.

Financial independence when you retire does not take into...
Forum: Income and Jobs 13-09-2014, 11:16 PM
Replies: 12,087
Views: 3,880,565
Posted By ks55
Retired lifestyle on 4.6m

Is it really the lifestyle you want when you retire after another 15 years?
Check out how much you can afford to spend. Don't over spend, neither dare not spend (stingy?)
Forum: Income and Jobs 13-09-2014, 10:53 PM
Replies: 12,087
Views: 3,880,565
Posted By ks55
Is he has a right mindset?

I tend to believe he is a Director and major share holder of a public listed company. Will do nothing other than getting benefits at the expense of other share holders.

If he is really a wage...
Forum: Income and Jobs 13-09-2014, 10:40 PM
Replies: 12,087
Views: 3,880,565
Posted By ks55
Live within your means

Certainly one can retire and lives with the lifestyle he chooses.
If he can afford to spend a million a year, he lives like a king. He can have driver, ADC, PA, gardener, domestic helpers etc. He...
Forum: Income and Jobs 13-09-2014, 12:34 AM
Replies: 12,087
Views: 3,880,565
Posted By ks55
It is not a joke

Yearly salary increment for high achiever is 10-12 %
For above average is 7 - 9 %
For others is 3 - 6 %

The above is inclusive of promotion and switch of job.

If you have worked for more than...
Forum: Income and Jobs 12-09-2014, 11:11 PM
Replies: 12,087
Views: 3,880,565
Posted By ks55
Saved enough for retirement ?

Husband age 45 - 14 years to retirement (at 60)
Wife age 40 - 19 years to retirement (at 60)

Assumptions :
1. Yearly salary both increased by 8%
2. Husband's annual salary at age 60 will be...
Forum: Income and Jobs 11-09-2014, 04:50 PM
Replies: 12,087
Views: 3,880,565
Posted By ks55
How much is enough for retired couple

How much do you think it is enough to retire comfortably, normal living, subsistence living or mere surviving? Well, it is up to individual.
If you can afford to spend a million dollar a year, you...
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