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Personal Financial Management, Are you always lacking $$$$?
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TSgoldfries
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Sep 24 2007, 10:17 AM
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40K Club
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QUOTE(justin_nys @ Sep 21 2007, 03:53 PM) Hi dzi921 and other married LYN kakis..care to share the break down of the cost? estimation will do. Not need so grand..many thanks. what's the point of telling the information?  it won't help anyone UNLESS that someone intends to have similar setting. for example, dinner alone comes to nearly RM 10k.  photos? RM 2k+. my total cost comes to around 15 - 20k range.
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dzi921
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Sep 24 2007, 10:28 AM
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QUOTE(dzi921 @ Sep 14 2007, 01:46 PM) Wedding can be expensive and cheap Chinese style:- -Money to give to parents in law (RM5k) -Wedding Ring (RM3k) -Registration Ceremony (<RM200) -After Registration Ceremony, buy family lunch/dinner (<RM200) -Wedding Photo (RM4k) - Rip off -New Bed (<RM500) - if not mistaken. Wife settle -New Cupboard (<RM200) - if not mistaken. Wife settle -Ang pow to giveaway (<RM500) - this depends on how many member you have -Wedding Dinner (can be expensive a lot of liquor) (I had 2 dinners. 1 at Tropicana @ RM400 per table not including liquor and another at Johor @ RM400 per table) It will cost you around RM15k to RM25k. But if you are lucky, you might gain back from Wedding Dinner ang pow This is not inclusive Honey Moon It has been quite a while. Cannot remember the exact amount. The above is agak agak QUOTE(justin_nys @ Sep 21 2007, 03:53 PM) Hi dzi921 and other married LYN kakis..care to share the break down of the cost? estimation will do. Not need so grand..many thanks. Answered above. Mine was about RM15k to RM25k (inclusive honeymoon). But some people can do it under RM10k. Buffet dinners are cheaper
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clausman
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Sep 25 2007, 10:03 AM
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may i know how to engage personal financial advisor? where can find? (not "ah long" la...)...
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TSgoldfries
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Sep 25 2007, 10:37 AM
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40K Club
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QUOTE(dzi921 @ Sep 24 2007, 10:28 AM) Answered above. Mine was about RM15k to RM25k (inclusive honeymoon). But some people can do it under RM10k. Buffet dinners are cheaper seriously, i wanted to get it done simple. no photo, no gowns, nothing. just sign and happy.  however you know la, sometimes spend also good la. keep people from saying stupid things.  must jaga both side parents also, and ourselves. don't want people to go around saying stupid things like couple no money, or couple stingy. you know there are such people around.  looks like making it big end up not only helped silence evil people but also helped us gain $$$.
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DaBestOne
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Sep 26 2007, 02:48 AM
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QUOTE(goldfries @ Sep 25 2007, 11:37 AM) seriously, i wanted to get it done simple. no photo, no gowns, nothing. just sign and happy.  however you know la, sometimes spend also good la. keep people from saying stupid things.  must jaga both side parents also, and ourselves. don't want people to go around saying stupid things like couple no money, or couple stingy. you know there are such people around.  looks like making it big end up not only helped silence evil people but also helped us gain $$$. so, from what u mean here is, that rm15k to 25k range of wedding is still not considered as an expensive wedding? how much is da average cost for a nice and presentable wedding? da kind of wedding which is moderate grand ....?
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dzi921
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Sep 26 2007, 08:33 AM
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QUOTE(DaBestOne @ Sep 26 2007, 02:48 AM) so, from what u mean here is, that rm15k to 25k range of wedding is still not considered as an expensive wedding? how much is da average cost for a nice and presentable wedding? da kind of wedding which is moderate grand ....? 20k is enough for a presentable wedding I did mine at Tropicana Golf Resort. Quite presentable there
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DaBestOne
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Sep 26 2007, 12:59 PM
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QUOTE(dzi921 @ Sep 26 2007, 09:33 AM) 20k is enough for a presentable wedding I did mine at Tropicana Golf Resort. Quite presentable there thx for da answer
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sub_noob
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Oct 1 2007, 08:58 AM
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U can reduce a bit for the photographer thing.. Try to search around.. Some photographer have promotion on their site if book earlier.. can get around 1.5k..
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Liuism
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Oct 1 2007, 01:25 PM
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Wedding plans? Wahlauwe..im so far from that..
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clsiluf
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Oct 1 2007, 03:39 PM
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QUOTE(goldfries @ Sep 25 2007, 10:37 AM) seriously, i wanted to get it done simple. no photo, no gowns, nothing. just sign and happy.  however you know la, sometimes spend also good la. keep people from saying stupid things.  must jaga both side parents also, and ourselves. don't want people to go around saying stupid things like couple no money, or couple stingy. you know there are such people around.  looks like making it big end up not only helped silence evil people but also helped us gain $$$. once in a life time mah ...
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DaBestOne
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Oct 2 2007, 01:56 AM
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QUOTE(clsiluf @ Oct 1 2007, 04:39 PM) once in a life time mah ...  yeah,...agree.. wedding is once in a lifetime...we shud make it memorable man....
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Liuism
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Oct 3 2007, 11:16 PM
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QUOTE(DaBestOne @ Oct 2 2007, 01:56 AM) yeah,...agree.. wedding is once in a lifetime...we shud make it memorable man....  As expect, i believe everyone do want to have 1..
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dreamer101
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Oct 3 2007, 11:18 PM
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10k Club
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QUOTE(clsiluf @ Oct 1 2007, 03:39 PM) once in a life time mah ...  QUOTE(DaBestOne @ Oct 2 2007, 01:56 AM) yeah,...agree.. wedding is once in a lifetime...we shud make it memorable man....  QUOTE(Liuism @ Oct 3 2007, 11:16 PM) As expect, i believe everyone do want to have 1.. Who say so?? It might be zero -> never married or a few times. Dreamer
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low yat 82
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Oct 3 2007, 11:41 PM
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QUOTE(goldfries @ Sep 24 2007, 10:17 AM) what's the point of telling the information?  it won't help anyone UNLESS that someone intends to have similar setting. for example, dinner alone comes to nearly RM 10k.  photos? RM 2k+. my total cost comes to around 15 - 20k range. err... so for how many table d dinner? so for normal chinese weddin will cost around 20k+- ka? coz i heard my fren need at least 30k
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SUSjack2008
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Oct 6 2007, 11:23 PM
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Getting Started

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Rise a a family is not easy and u say. talk is easy do is another thing. Always think twice before u commit.. if marriage need to spend alot of money, cut down on unnecessary expenses need not be so grand bcos later maybe 10/20/30 years time u can have anniversary marriage if u have extra money. its along/hard road for anybody to walk thru life.. The more money u spend the only people suffer is the couples in terms of money later on and to put up a grand show for guest to see and suffering also have the people/relative(some relatives/friends have $$/transports difficulties) to come were force to come and give big angpow attending the wedding. Troublesome right, giving less angpow not so good, give large angpow can own self go out and eat themselves anywhere they like right.. Whether how u take of yr money depends on how u spend and see things, want to stay big house or comfortable and buy big cars, hired a servant, rise a child, education etc. Alot of hidden cost like honey moon etc... its a heavy budden for the husband indeed unless he is very rich or else there will be a quarrel about money later on for sure. First few years u dont see the effect but later on ..... experience/walk thru life that everybody have to go thru. The path which a person choose it depends on their thinking some may see very grand but later the true colors will come out.... side effects.. enjoy now suffer later concept...
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TSgoldfries
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Oct 6 2007, 11:28 PM
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40K Club
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QUOTE(clsiluf @ Oct 1 2007, 03:39 PM) once in a life time mah ...  and THAT'S how many people get into trouble. this "once in a life time" is THE thing that makes bridal houses earn big. QUOTE(low yat 82 @ Oct 3 2007, 11:41 PM) err... so for how many table d dinner? so for normal chinese weddin will cost around 20k+- ka? coz i heard my fren need at least 30k  joker la the fella. you talking about dinner alone or the entire wedding? there's no fixed cost. it could be as simple as signing the marriage thing, everything done very fast. no need new gown or anything. at most bring relatives out to eat. whether you wish to spend up to RM 30k or more it's entirely up to how you plan.
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low yat 82
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Oct 7 2007, 08:33 AM
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QUOTE oker la the fella.
you talking about dinner alone or the entire wedding?
there's no fixed cost.
it could be as simple as signing the marriage thing, everything done very fast. no need new gown or anything. at most bring relatives out to eat.
whether you wish to spend up to RM 30k or more it's entirely up to how you plan. its entire wedding  yar.. i also think about jus signin marriage thing onli, but most proably my parents n in law will kill me
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DaBestOne
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Oct 7 2007, 09:30 AM
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QUOTE(low yat 82 @ Oct 7 2007, 09:33 AM) its entire wedding  yar.. i also think about jus signin marriage thing onli, but most proably my parents n in law will kill me  signin marriage thingy is a no no to me.... i wont be kill by my parents in law though.. i will kill myself for doin that!!!! i would like to make it as memorable as possible!!
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p4n6
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Oct 7 2007, 11:24 AM
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Marriage = partially bankruptcy Married with children = fully bankrupt From my point of view. Wedding photos, dinner, honeymoon blabla ... to be honest, how many of those are actually what the groom's really wants? It's more of what the parent's, in law's and the bride's demand ... it's hard to be a guy  Marriage talks no love, only money ... This post has been edited by p4n6: Oct 7 2007, 11:25 AM
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ankw
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Oct 7 2007, 02:06 PM
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Getting Started

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thats why everybody have to be financially stable before anyone gets married in order to meet parent in law demands. alot of problem will popup after yr marriage. It also see how parent's in law think if it is materialistic type u have a problem sooner or later. or if it is a status type also problem. they will look down on u. Have u heard before parent-in-law Say How are u going to takecare/feed my daughter in the future and live comfortable with yr income. Problem do arise.. Love is another thing, facts of live do exist. Love cannot eat u thru yr whole life for sure. Alot of family parties is involved.
There is no doubt in parent-in-law to say those things bcos when later u have a daughter later on, also want yr daughter to marry a person who loves her and financially stable, matual thinking, good education in order not to get worried later right..
Everything is money, once u go out of the house, everything use or spend is money (eg food, entertainment, petrol, toll etc)
Not so easy just marry and thats all. Have alot of shared responsibilities ahead of u if u can bear it thru yr whole life. First of all no more money left after marriage have to save again. (after spending on marriage eg diamond ring,angpow,dinner,luxury car, house, honey moon etc)
Have to be on tight budget again, eg. living expenses higher,house loan,wife expenses, baby expenses,saving for child education, insurance coverage higher, car maintenance, parents/mother in law allowances, utilities, overheads, angpows and gifts for chinese new year, yearly vacations, hiring maid to take of yr baby or what, food/lodging,shopping, spa, saloon, change nice handphone yearly/handphone bills, internet bills,credit card bill,branded item, investment. etc
Need not be show off to people anything, just be yrself. Dont care of what other people say buying/using branded things,changing/using handphones or driving what car etc. (all this things is depreciating items and is a liabilities to u). With money is King always
Alot of youngster see things so easily, but later they will know like money drop from the sky.. spending money is very easy but saving money is like hell. Even got money also dont waste it unnecessary and it will spoilt a person thinking.. unless have access money to do so. Save for yr Future.. When u have no money who will lend u money.. if u have money alot of friends do want to know u but if u dont have money, u have little friends right (Friends will leave/ignore u when u borrow its a Normal human character for everyone).. facts of life
Alot of hidden maintenance to be done and hope it can be maintain thru yr life. It is a different Stages/walk of life and a long difficult road to walk of life thats everybody needs to go thru.. No short cut..
Grow up matually and think before u do
This post has been edited by ankw: Oct 7 2007, 02:51 PM
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