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 Personal financial management, V2

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SUSleonhart88
post Apr 4 2013, 12:50 AM

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QUOTE(AAAABBBB @ Apr 3 2013, 07:42 PM)
Maybe we can look into this and discuss more.
http://moneygirl.quickanddirtytips.com/5-m...or-couples.aspx

Do u guys agree to this?

It is important to find a partner who shares the same basic life goals in order to be happy. It will not work to try to convince an artist or a stay-at-home dad type of man to become the sole breadwinner, nor will you be happy if you want to be at home and your husband expects you to bring home half the household income.

Being honest with yourself on these crucial lifestyle choices is the first step. Early in the dating process, you need to discover the goals and dreams of your date, to see if they can match. If they can’t, it is better to determine this early and move on, before you become too attached and then try to rationalize away these key differences.

http://moneygirl.quickanddirtytips.com/avo...onship-pt1.aspx
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hv you got wife?
SUSleonhart88
post Apr 4 2013, 12:54 AM

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QUOTE(Pink Spider @ Apr 3 2013, 05:46 PM)
I have seen a few cases like this...

Wife = OL (looks to be quite successful/high-ranking)
Hubby = car workshop technician

But they happily eat at kopitiam together, he drive cheap car like Proton Wira fetch her back from work

If he is diligent, fully works to his potential, then he is a good man. u expect a SPM dropout to be a lawyer/accountant? if he works diligently, takes care of his wife, did not gamble/drink his $$$ away, that is already a good hubby material IMHO.
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if the guy is accountant and girl is a doctor can match or not? I want to look for the objective answer.
Many old people advised me not to be attached to the doctor. Doctor usually marries doctor too ma..
First I was positive but when being told by many people suddenly I become hopeless.

What I aware is she does not care about my money. I am 99% paid for the dating, gifts,etc.
She wants the luxury wedding(she is doctor ma) but with 100% of my money.
She likes buying expensive bags. 1 yr about 3 bags.

The positive she likes cooking, in a week she cooks mon-fri. The meals she cooks are very nice and delicious even better than expensive restaurants.

This post has been edited by leonhart88: Apr 4 2013, 01:01 AM
SUSleonhart88
post Apr 4 2013, 01:11 AM

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QUOTE(felixmask @ Apr 3 2013, 10:37 AM)


Having a gf like a male jokey riding on a wild female horse with bag of money and time.
The wild horse will jump and shake me out ,  im using my time and my money bag to balance on the wild horse.
Once i lost my money bag and time bag , i will fall down and the wild horse will find another jokey to ride on.

Zoo Keeper taming a Female Lion
When ever the lion roar, the zoo keeper will feed the female Lion with meat day by day.
Once the Zoo Keeper dont have anymore meat; the female Lion will eat the Zoo Keeper heart and run away.
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will it be applicable when you marry too?
SUSleonhart88
post Apr 4 2013, 01:14 AM

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QUOTE(Pink Spider @ Apr 3 2013, 11:05 AM)
Yes. Been thru that (and luckily I am quite good in detecting the signs, the moment I sense that the girl is the materialistic type, I'd walk away before I spend much on her), and so I'm foreveralone™ until the right one appears tongue.gif

Ok la, don't derail topic ler smile.gif
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we also need to think about the long term.

What if his father a gambler or his brother a gambler?
Then ask for borrow money from us then no pay to us?

SUSleonhart88
post Apr 4 2013, 01:42 PM

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QUOTE(felixmask @ Apr 4 2013, 08:48 AM)
hi Leonhar88,

  You question more like Love/Chasing a Female Doctor worth of money.
  Chasing/Courting a gal usualy require capital of money and time. You success then the prize is Doctor Wife else You fail ready for heartbreak and capital burn , another courting process again.
  I assume you born on the year 1988, now should be 25, should be puppy love period.

  If you failed, dont look down your self becoz of 1 tree you ignore the whole Forest.

  At the end of day- marry is measurement both your Love are stronger to be together.
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thanks bro..
I am a serious person in relationship.
SUSleonhart88
post Apr 5 2013, 09:06 AM

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QUOTE(felixmask @ Apr 4 2013, 02:18 PM)
young man with age like you suppose do something usefull and important.
Focus on your Career 1st then you hv easy day later.

No career - > no money -> no saving -> no marry.

When a man didnt Achieve anything , one day the women whose marry you will look down on you.

When courting gals ask yourself how to be good financial mangement.

"Saving for marry is important or Spending on relationship/courting is important"

Ask yourself is How strong the Gal Love when you are worthless ?

You must know that outside alot man can replace You as her boyfriend as long they hv $$$ and Time to spend on her.
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this is scary man..when you look at top there will be many people richer than you then how?
Should I cut loss now in my r/s to prevent more losses in the future? haha..
I saw her didn't care about my money..always me spend money on meals..
she expects guy should pay everything and she initiate to eat in expensive restaurant.
Once more she expects luxury wedding. all of my cash gone liao

This post has been edited by leonhart88: Apr 5 2013, 09:19 AM
SUSleonhart88
post Apr 5 2013, 09:17 AM

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QUOTE(jasontoh @ Apr 4 2013, 05:23 PM)
It's easier to say that. I always thought that when guy grew older, they got more value and have more choices of girls, but come to think of it, the larger the age gap you have with your partner, the more not "suitable". And the financial goal might be badly affected because of this age gap.
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ya I found younger girls 20-22 are very bad at personal financial management. my cousin has 200 clothes,50 shoes and around 20 bags. Those are branded thingy.
SUSleonhart88
post Apr 5 2013, 09:33 PM

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QUOTE(mIssfROGY @ Apr 5 2013, 06:38 PM)


Me choose to work and hubs stay home with our kid as he is more family oriented while me loves to move around....
& we blif in 1 parent shd be home taking care of the children as whats life without being with your loveones smile.gif Grandparents are to help out....not takeover your responsibilities! some treat their parents like slaves :/
I dont earn much but with budgeting ......it helps us to live life to its fullest ...of coz no uglee branded bags for me lar tongue.gif
For those who are just working until no see "sun"........seriously dont live your life like this 4eva smile.gif My mom did this but what she gets in the end? nothing but death.
Look at cyprus? What happen to the savers?
You really need to put some life into your life....save some live more! dont live to be a slave to $..and not asking u to throw it all on material stuffs....
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notworthy.gif
is this true?? Many wives kicked out their hubbies if the hubbies are lazy..
But I think he can invest time to invest in stock market using your money.
But you keep your money from him right? so will he ask u money if he needs?

ya don't be slave of money..see auditors work till death la..

SUSleonhart88
post Apr 5 2013, 09:37 PM

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QUOTE(SKY 1809 @ Apr 5 2013, 02:01 PM)
Yrs Sounds like oil exporation  to me. hmm.gif

Brother, u can look for M & A too, like the  more mature ones.

U do not have to start from fresh . less risky .
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I am in M&A field. less risky but hard to find lor.
Big companies has high expectation la, they wanna sell their biz consider gain or loss.
But fresh biz u get higher yield.
SUSleonhart88
post Apr 6 2013, 08:10 AM

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QUOTE(techie.opinion @ Apr 6 2013, 07:48 AM)
Exactly... Enjoy our temporary life in this world. We are going to die, that's sure.
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you can pass your money to your children la if u die
SUSleonhart88
post Apr 6 2013, 12:47 PM

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QUOTE(gark @ Apr 6 2013, 12:33 PM)
Nowdays 'offspring' also cannot feed themselves after working, cannot rely them to give you pocket money. So better don't expect anything, and they might pester you to GIVE them money instead

Majority of youngsters rather spend money on gadget than contribute to home. They have friends, go clubbing, go yam cha, more or less they think their parents no longer 'cool'. When they become parents themselves then only they realize their mistake.

So it is critical to save up enough passive income for your own retirement without needing to rely on anyone.
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in future parents need to fark out money to buy properties for children.
My potential cousin's husband got new house from his dad worth RM700k liao.

Better to save and invest now. in future children will complain got useless parents coz they don't give them properties.

This post has been edited by leonhart88: Apr 6 2013, 12:49 PM
SUSleonhart88
post Apr 6 2013, 02:00 PM

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QUOTE(gark @ Apr 6 2013, 01:04 PM)
No enough money to buy must ask parents to sponsor property one meh?  shakehead.gif

Go rent ler while working and save up down payment like everyone else ler. I also lived in rented 'room' in low cost flat for first 5 years when i am first employed...

Children nowadays have easy life....
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If he wanna marry then still rent ler? u not pity him? how can be a dad let his son like that.
SUSleonhart88
post Apr 8 2013, 01:02 PM

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QUOTE(gark @ Apr 8 2013, 10:04 AM)
Price is crazy, jumped over 200% within 3 years. All pure speculation as you see all the houses, condo apartment are all empty. Bound to crash soon as the average salary of uni educated executive (freshies) Indonesian in in the median of RM 800-RM 1,200 per month. AND house loan is 9%-12% p.a.

My friend bought the 1000+ sq ft condo at Central Park, at Rp 1.5 Milyar a few years ago, now the selling price is Rp 3.5-4 Milyar.  doh.gif

1 Milyar = 1 billion Rupiah.  tongue.gif = 310k RM
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Laguna apartment is cheap.

I don't want apartment in jakarta because
1. only 20 yrs leasehold(after that money gone if developer does not want to extend, extend also fark out much money)
2.maintenance fees per month already RM200.landed cheapo only RM50/mth guarded and gated
3.apartment u cannot hv farm in your land.

then what landed house will you recommend in Jakarta?
Pantai Indah Kapuk also expensive. In Pluit flood also at least RM 800k.
How can you afford the house there since the interest rates there killing. Because of that I invest in Bank shares.
Later our children cannot afford house in Jakarta, land already scarce there.
Avani BSD already ulu bro, to sudirman need 1 hr, even 2 hrs if traffic jam. the toll fees already cost u RM20/day.not mention the fuel not subsidised again by gov.

This post has been edited by leonhart88: Apr 8 2013, 01:08 PM
SUSleonhart88
post Apr 8 2013, 01:22 PM

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QUOTE(gark @ Apr 8 2013, 01:17 PM)
1. Got strata title already lah....
2. Maintenance fees is expensive but good facilities... landed guarded also not cheap depending which area...
3. Hahah you want to farm on your high class guarded gated community meh? First time seeing it....
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1.what strata? strata also need to extend after 20 yrs and the land is not strata, it's HGB.
2.guarded in muara karang cheap RM50
3.farm I mean just small gardening..like fruits,union,herbs.

may you recommend good guarded gates Rp 500 million in jakarta?
SUSleonhart88
post Apr 8 2013, 01:51 PM

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QUOTE(gark @ Apr 8 2013, 01:39 PM)
Hak guna is for foreigner, even landed house will also have hak guna only. If want hak milik then get you indonesian GF/wife to hold title for you.  tongue.gif

Rp 500 million for guarded and gated and within Jakarta DKI? Empty land also you cannot buy... tongue.gif

If small apartment ok lar...
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WTF..average income Rp3 million. work 10 yrs also cannot buy house you know.
let's assume they save Rp 3 million/mth, rp 40million/yr.
SUSleonhart88
post Apr 8 2013, 09:26 PM

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QUOTE(newbie99 @ Apr 8 2013, 08:33 PM)
Indonesia properties shot up a lot after GFC, and more so after it regained investment grade in 2012. Property stocks like Alam Sutera, Metropolitan Land have gone up almost 250-300% in 3 years. Industrial estate stocks like Bekasi Fajar and Surya Semesta have gone up 100% and 50% respectively in less than a year.
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Just sharing. PT Greenwood Sejahtera, tbk currently traded at discount.
SUSleonhart88
post Apr 8 2013, 09:30 PM

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QUOTE(felixmask @ Apr 8 2013, 01:49 PM)
hi leonhart88 ,
 

    You well verse indonesia property.Are you indonesian or every year go indonesia vacation ?
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my gf is indonesian. coz of that high maintenance lor.. even her mother said many Indonesian guys buy gf iphone4, prada,hermes or even Honda Jazz as valentine/birthday gift. sweat.gif
SUSleonhart88
post Apr 9 2013, 06:17 AM

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QUOTE(gark @ Apr 8 2013, 09:56 PM)
Chinese indonesians? If yes then you die lor.... what you say above very true......make sure you have enough $$$
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Walau, many guys in Indon should be broke then..
yes, Indo Chinese one. somemore she is a doctor. I don't hv money lor. only 35k in stock market.
Don't expect she wanna marry me with wedding budget RM 25k. my cousin just has average wedding in Millenium Hotel RM 100k. It's average only.

SUSleonhart88
post Apr 9 2013, 06:23 AM

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QUOTE(felixmask @ Apr 8 2013, 10:00 PM)
indonesian doctor? Your future mother hv alot high expectation on you.
My few proverbs share for you.
[attachmentid=3383373]
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Thanks for the proverbs bro.
Yes, doctor. The mother doesn't force me but tell stories about my gf sister's past ex who cherish her with much $$$..
Somemore, I am not hardworking and ambitious person.
I don't want to be broken either broken money or broken heart haha
SUSleonhart88
post Apr 9 2013, 11:52 AM

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QUOTE(gark @ Apr 9 2013, 09:38 AM)
Majority of Chinese Indonesians are very wealthy, and most of them store their money in Singapore. If you see them and they look normal, ie. townhouse, a family car, they actually have much of their wealth hidden away from public view. Most Chinese Indonesian are business men and their family have a few ongoing business. Sometimes they don't mind having a not-so-rich foreigner as their son in law. They are of looking at it is a ticket out for the family in case of problems in their country. They have gone though it before in 1997 and it burns an image in their minds.

Anyway work hard, Indonesia is a land of opportunities and being a foreigner/Chinese many doors will open to you. Have strength and have heart, donlt worry so much on the money, it will come on it's own.  wink.gif
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May I know what industry are you in Indon?
I am just salaried worker here.lol

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