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 Personal financial management, V2

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SUSMaterazzi
post Jun 20 2011, 02:35 PM

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buy property loh

user posted image

71% gain
SUSMaterazzi
post Nov 28 2012, 08:39 PM

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QUOTE(hycl90 @ Nov 28 2012, 06:00 PM)
so fast want to marriage?  rclxub.gif
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I also want to marry. 23yrs old now
SUSMaterazzi
post Jan 11 2013, 12:07 AM

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QUOTE(AAAABBBB @ Jan 9 2013, 08:18 PM)
Let me share with u all, a way to cook good food, use little gas and is ideal for busy ppl like me never see sun one..

Use thermal cooker...I invest around RM500 to buy this ..buy during sale..the concept simple only..

Make soup, porridge, read bean tong sui, etc

1. Throw all in the pot. Closed the lid and cook for 15-20 minutes using gas fire.

2. Put the pot into outer insulated container...and it continue to cook the whole day without using any gas or electricity..it is hot and warm when u eat that time

It usually takes 4-5 hrs, rice become porridge...

I usually cook midnight dump everything in, morning can eat porridge already...

So if make soup also same morning cook, night time come back can drink soup already...lunch time actually the soup also ready,,can drink too..

http://thermalcooker.wordpress.com/2008/09...thermal-cooker/

how did I eat?

morning
1. Go offis got free either one of this curry/ sardine bun, cakes, biscuit, etc . They rotate can take 1 or 2 in the morning. Drink Milo, White Coffee, Cappucino, etc for free at cafe

lunch
1. Company give RM50 to swipe for food per month. finish the RM50 ownself need to pay. Company give 1-2 free fruit per day.

Tea
1. Eat maggi or drink mushroom soup, eat biscuit, etc. Company give yippie

Dinner,
1. Using the thermos cooker like magic lo...can do so many good food..very cheap...can even cook bak kut teh

it can do miracle smile.gif

http://thermalcooker.wordpress.com/categor...pes-main-meals/

http://unclephilipsg.blogspot.com/2009/04/...rmos-flask.html
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How about induction cooker?
I skip breakfast

My lunch will be at 10 am: chicken chop, omelette, and tofu. Fruits and puding.

Dinner will be at 6 pm : spaghetti,sausage and baby kailan.fruits andpuding.

Im underweight.
SUSMaterazzi
post Jan 11 2013, 07:12 PM

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QUOTE(Kaka23 @ Jan 11 2013, 12:12 AM)
You cook yourself?
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ya, why not? can bring lunch box to office.
cook yourself will save u half money for food expense
SUSMaterazzi
post Mar 13 2013, 02:06 PM

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Hsbc no annual fee
SUSMaterazzi
post Apr 7 2013, 07:09 AM

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QUOTE(gark @ Apr 6 2013, 10:04 PM)
That did not happen to me bought the property with my own money. I paid almost 40% downpayment.

You just gotta have to make sure your earning power moves faster than inflation.

I dont save the money in bank account per se, but invest it for good returns. From the returns become my dp.
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property in kl is cheap. in jakarta at least you need 300k for small size house.
SUSMaterazzi
post Apr 8 2013, 08:20 AM

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QUOTE(j.passing.by @ Apr 7 2013, 10:53 PM)
Do you know that a wedding registration is almost free? You just need 2 friends as saksi...

The grandeur is the wedding dinner... subsidised by ang pows.

One of the worse wasteful spending is having a wall-size portrait photo of the couple... normally hang above the bed in the bedroom... so only the couple get to see it after the wedding day... could you imagine facing the same wedding photo day after day. Another wasteful spending is hiring a video photographer... see video only once, nobody wants to see it again... don't dream that the grandchildren would be interested!
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you must be single and no gf.

you know research shows couples regret not hv better pre wed photo and thats once in lifetime.
SUSMaterazzi
post Apr 8 2013, 08:48 AM

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QUOTE(gark @ Apr 7 2013, 11:20 AM)
Come on lah, it all depends on what you want. I am in jakarta and there are plenty of 100k  to 150k apartments around the city centre.

Of course there is also 2 mil condo near kuningan, central park, senayan and gated community which land only cost 10k per m2.

It all depends on your expectation.s. if you only earn so much dont expect the sun and moon. wink.gif
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i want landed house.the avani bsd already 700k bro.it's in ulu
SUSMaterazzi
post Apr 15 2013, 07:48 PM

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QUOTE(AAAABBBB @ Apr 15 2013, 06:57 PM)
Nope my dad sell soyacincau hawker..Make he is like Ah Kau selling newspaper..diversify his business and make it lo...

I also scratch head till bald thinking how my dad a hawker can make it..He the other day offer me RM3K salary help him sell soyacincau in a van, work 6 days a week, 10 hours a day..

Hmm....not bad too consider new graduate 3 yrs experience also earn RM1.7K...almost double oledi the salary rclxms.gif
I settle my PTPTN loan 2 years after I complete my diploma..Little money borrow..Why take the trouble need to monthly repayment and the interest high lo..

my dad friend a foreman - his son study medical....his father don;t encourage son study one- he did not even pay a single sen for his son study, yet his son is brilliant enough to get a scholoarship in UM. Pack wih a backpack he enter UM sleep the night at the bus stand outside enroll the next day. After done is medical degree at UM, he got an offer to be surgeon go Ireland further studies with bonding to Malaysia govt. He finish his studies in Ireland no come back malaysia and pay back govt for breaking the bond....he did sent back money to his father a foreman and ask him retire..

that is why my dad see this,,he knows cannot send son go oversea....lost a son after tat...
smile.gif my dad don;t invest all in Ipoh ..Got investment in Penang, Ipoh, KL, Johor....From North to south...oledi mention ma he bought a condo in KL last year end around RM500K..

He got oil palm estate too...bought when cheap that time..

RM100k possible when wan ton mee is RM1 a bowl..My dad bought a shop at Bercham Ipoh main road at that time at that price...I think it is very long time ago la...Now a bowl wan ton mee in Ipoh cost RM3 min.  small one maybe RM2.50

i bought apartment penang for RM230k in 2008, now worth 500k ...Not bad.. smile.gif
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you should expand your father soya cincau franchises biz in mall. rther become technician

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