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 FI/RE - Financial Independence / Retire Early

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prophetjul
post May 20 2023, 09:48 AM

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QUOTE(Ramjade @ May 20 2023, 09:46 AM)

What politics at work?
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Unfortunately for her, white bosses are exhibiting racial bias to her colleague.
prophetjul
post May 20 2023, 09:53 AM

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QUOTE(Ramjade @ May 20 2023, 09:50 AM)
And here I am I thought Australia is an ok country. sad.gif
Was planning to take exams and go to Australia.
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Generally it's ok. It's rare. But it happens.
But racism does not happen legally like in Msia.
So far, most of my friends are doing reasonably well. Having migrated from 30 to 20 years ago.
And Aus is still growing. A young country.
prophetjul
post May 20 2023, 09:56 AM

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QUOTE(CommodoreAmiga @ May 20 2023, 09:54 AM)
Australia pretty racist wan lah...aren't they descendants of British criminals or something?

And I farking hate Australian slangs.
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Not that bad lah. Most of my friends who migrated 30 to 10 years ago are doing well.
You get the odd ones. laugh.gif
prophetjul
post May 20 2023, 10:01 AM

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QUOTE(CommodoreAmiga @ May 20 2023, 09:57 AM)
Lol. Maybe. Good for your friends!  thumbsup.gif
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Seriously, they are all middle income workers and they are all doing well.
Aus does a lot for their citizens. Cheap education. Healthcare, etc.
Most own their own properties and can retire quite comfortably.

prophetjul
post May 20 2023, 10:25 AM

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QUOTE(CommodoreAmiga @ May 20 2023, 10:06 AM)
But they play the "boycott China" game by their taiko US. Now it's gonna backfire on them.
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They have already softened since Penny Wong became foreign minister.

https://edition.cnn.com/2023/05/05/economy/...-hnk/index.html
prophetjul
post May 20 2023, 02:06 PM

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QUOTE(MGM @ May 20 2023, 11:22 AM)
In Oz u will face less racial bias if u r a professional like engineer, doctor, architect, programmer, STEM jobs that the whites shun. What is your daughter's occupation?
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She qualified in architecture.
prophetjul
post May 20 2023, 04:01 PM

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QUOTE(CommodoreAmiga @ May 20 2023, 03:58 PM)
If you are old, we are what? Ancient relics??? ranting.gif

prophetjul
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I am reborn. laugh.gif
prophetjul
post May 31 2023, 10:24 AM

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QUOTE(batman1172 @ May 31 2023, 08:28 AM)
https://www.malaymail.com/news/malaysia/202...es-rm161m/71679

I'm sure it has been discussed somewhere before. if not here you go. Some here already in 1% club but maybe not yet 0.1% club. if cannot FI/RE then something wrong I guess
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Shows how far we are from Singapore wealthy. laugh.gif
prophetjul
post Jun 3 2023, 08:59 AM

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QUOTE(guy3288 @ Jun 2 2023, 07:33 PM)
no money to make tak laku as usual...mentality problem.. must only stay in new houses.... must only buy new car......there goes the money...
2nd hand car shop can close liao...if same mentality spread to cars.
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i have not bought a car for myself since 1990! laugh.gif
prophetjul
post Jun 3 2023, 09:36 AM

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QUOTE(dwRK @ Jun 3 2023, 09:23 AM)
this sentence can also mean...

ive been buying new cars for wifu and kids since 1990, and got a new Harley Davidson for myself... wink.gif
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laugh.gif
Yeah. i bought 2 cars for waifu since 1990. We still have a Honda CRV from 2002.
No vehicle for myself. laugh.gif
prophetjul
post Jun 3 2023, 10:11 AM

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QUOTE(dwRK @ Jun 3 2023, 09:57 AM)
hmmm... so... company car and driver?... thumbup.gif biggrin.gif

myself still driving Suzuki Swift 2005... biggrin.gif
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Yeah. I am blessed to have company cars in all the companies i have worked at. laugh.gif
prophetjul
post Jul 14 2023, 10:35 AM

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QUOTE(hksgmy @ Jul 14 2023, 05:49 AM)
Sorry sorry. I was referring to S$2.50. I’m based in Singapore and I thought the question asked by the original author was about cost of living expenses in Singapore

Apologies for the confusion
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Thought you would have moved to Aus by now? laugh.gif
prophetjul
post Apr 21 2025, 10:50 AM

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QUOTE(Wedchar2912 @ Apr 21 2025, 10:42 AM)
wow bro... you really are very optimistic... 120 years old is very very high sigma.

My siblings and I every year will kid around saying we must all tahan until either gene therapy or nano tech (under AI age) arrives to basically extend our lifespan till forever/long enough.
its my dad who said dream on as even Queen E only lived till 96. and she has the entire Kingdom's resources to help her, all things equal.

having said that, technically since you plan for 120 years, statistically you already planned to leave something to your kids. So no need to think too much about this.
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120 years old! rclxub.gif
i just plan for a healthy 80 years OLD, living off the yields without touchin the principal, unless SHTF scenario.
Anyone crossing 90 will be almost certainly immobile. What's the point?
prophetjul
post Apr 21 2025, 02:09 PM

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QUOTE(ruben7389 @ Apr 21 2025, 01:04 PM)
That's the social issue due to migration. I also thinking, even if my kids migrate, nowadays generation also nobody wanna get married, let alone have kids, what more next 10 or 20 years.

My kids if migrate then I do what? Follow them also for what? Cook and do their laundry while they go to work? What a life man

Actually few years also I've been looking at alternative lifestyles also. I think retirement homes are great. Get to chill out all day with people ur own age. Just make sure they're not boring ppl la

But I'm looking at "Slow Travel" as an option, and on a budget. At least got some spontaneity and some purpose in life. If those don't have, I think life for me at least could be blah
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i am on that train now. biggrin.gif
My children are in Aus. Leaving the 2 of us here.
We travel a lot nowadays. Went to 5 tours last year.
The Aus retirement villages are fantastic. But my wife does not want to migrate.

So, i think we will still travel lots. Especially to cheaper China! thumbup.gif
And we will visit the children at least once a year. And go around Aus in a car. biggrin.gif
prophetjul
post Apr 21 2025, 04:00 PM

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QUOTE(Ramjade @ Apr 21 2025, 03:55 PM)
If you got the money and willing to spend can biohack your age and slow down aging like what Bryan Johnson is doing. I am doing some of it and doing it to my mum too. Saw some impressive results.
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Already doing that since 20 years ago.
Intermittent fasts, low carbs regime, anti aging supplements
Can you do 200 to 250 pushup sessions? laugh.gif

This post has been edited by prophetjul: Apr 21 2025, 04:02 PM
prophetjul
post Apr 21 2025, 04:04 PM

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QUOTE(Ramjade @ Apr 21 2025, 04:00 PM)
No. sad.gif
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I am 63.
And my daily sessions cover specific body parts with at least 200 to 250 reps Calistenics routines. laugh.gif
Like these,






This post has been edited by prophetjul: Apr 21 2025, 04:12 PM
prophetjul
post Apr 21 2025, 05:10 PM

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QUOTE(Ramjade @ Apr 21 2025, 04:06 PM)
Wow sifu. I need to learn push up. I can do like 45 inclined push up only. Can't do normal push up.

I am trying to be able to do pull up. Hence practice hanging first.

Any way for beginner to do push up?
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Do half push ups first. On your knees.
prophetjul
post Sep 25 2025, 01:14 PM

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QUOTE(Wedchar2912 @ Sep 24 2025, 03:41 PM)
Honestly, the first one needs balls of steel actually.... somehow very difficult to execute...
like what some traders I know used to say.... harden your balls first... then execute. YOLO... lol
(just joking... anyone reading... pls think for yourself first)
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Actually no need balls of steel., Just need to be ignorant of fear. Like me in 1989.
When Tiananmen happened, HKSE crash more than 25% resulting in HSBC shares crashing to HKD2.50 p share.
The fool that i was, my girlfriend was working in HSBC and i knew it was a solid bank.
i ploughed in 20,000 shares costing RM16,000.


20 years later, it was worth GBP9 per share. brows.gif SOLD everything.
Ploughed all the proceeds into Gold. biggrin.gif
prophetjul
post Sep 25 2025, 02:16 PM

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QUOTE(Wedchar2912 @ Sep 25 2025, 01:47 PM)
hahaha... fearless! lack of fear... or ignorance... same same but diff...  rclxms.gif

dang... u have like 10 kg? can melt them and make a dumb-bell... paint it black and use it to flex muscle... hehe flex.gif
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Or use it as a door stop? hmm.gif
prophetjul
post Sep 29 2025, 10:17 AM

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Any gold hoarders here?
Gold is up another USD20+ this morning. USD3,788 now
+35% in MYR terms year to date
Miners have gone through the roof.

Disclaimer: Gold hoarder since 2002

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