they keep saying if you buy now will cheaper
of course cheaper lah they purposely do it one

touch wood if sudden death, they will cut throat you.

that's why they make you buy early.

160k is for twin burial. If you want cremation and columbarium of course cheaper lah. I dunno how much, maybe 40-50k including bereavement.

Of course, having everything done for you is a big relieve you don't have to worry about funeral arrangements. But I tell you, an example, my friend's mum recently passed away. I went to pay my last respects. Their burial site in Semenyih, but funeral held at Sg Besi one.

At the funeral parlor, inside very luxurious can fit up to 200 people, but you know what? every day only about 5-6 turned up for the funeral. Also outside, the hall, can fit another 100 people, to sit around to have refreshments. So few people came for the funeral, I felt that my friend really overpaid lah.

Gonna retire in 13 years...I must plan what to do after this. I am not sure if government would do extension for retirement from 60 to 65. Last I heard, Madani still discussing.

4 areas I try to ask around, but seem can't get info:

1) KOL - ask how to become one, recently met an in law in law...at a dinner family gathering. This relative can get free restaurant and hotel stay but must provide feedback. Ask how she does it, but suddenly become hesitant due to trade secret

2) tution teacher - asked a friend haven't met in years, pretending to seek tution for my child to ask for information. But he appeared hesitant. He has experience in setting up tution planner website where parents seeking tution for thier children can find teachers via the website. It failed after some years. He has a local univeristy degree in which he uses it to promote his tution abilities. He used to work for commercial until one day, he could not get along with his boss, he quit and went full tution at 35yo. He's been doing tution ever since, teaching all sorts of subjects. I wonder how he networks and find clients. He is single so can survive on his own la.

When ask, he hesitant and want to excuse himself.

3) real estate
Asked a friend on this one. Sounds very tough. He says first start with your friends and family network. Then talk to other real estate agents to share client list.

Have to find seller, have to find buyer. Wow, double work man.

not easy.

Another relative doing the business tell me got quota one, if not achieve one sale or rent, in 3 months, out you go. Also very hard to meet seller demands, sometimes they demand the sky but buyer also look for thier own specs.

4) kindergarten teacher
A relative retired as an accountant and now working at a kindy as part time teacher. Only earn 3.5k a month.

5) Grab car
I used to think of wanting to do airport taxi services. I know a director friend who got laid off, he decided to use his Vellfire as airport taxi for VIP clients.

back 15 years later, I thought of becoming a taxi driver. But now with grab destryoed the traditional business. I don't think its easy to be grab driver, anyone doing it? seems like the margin is kind of low. Any difficulty in doing this? what more your car needs to be 5 years old, right?

6) Baby sit business
This is one need lesen?
But too high risk as baby may fall sick or injured outside, nanti blame me, I do not want anything happen to baby then I become responsible, nanti kena arrested. Have to install CCTV, have to watch baby. I have experience in raising babies as I have taken care personally of my kids.

Anything else i missed?

Can you breakdown why you need 6k? My retired parents spending is 2-3k monthly only. Mana ada youthful lifestyle spending already.

Also have you factored in money from your own retirement fund?
Assuming purely EPF dividend at 5% from 1 mil account is already 50k per annum (~4k per month). That + kindy teacher is already 7k+.

few years ago the plot I think around 40-50k for 2, single plot 20-30k.

wake package I think around 25k also of course you can upgrade to higher package.

those agent just wana earn their comission, cos once a life time thingly just like marriage :X

Tutoring, you can start now, offer yourself part time to tuition center. Walk in those center, ask, offer say start with the age band same as your kid’s or you offer home tuition directly to your kid’s classmates. Ask your kid go school jiou 1 or 2 as a start.

nursery/daycare business is good, but try to avoid taking care of infant as it is very risky.

Long way to go... 
but good to start thinking... but still got 13 years to work- and you plan to work more post 60 ka?

I am about same age as you... already plan to slow-down. Wanna do slow living/semi retired type of lifestyle.

of course not easy for me- as me and wife both employed- will need to work at least until 55 until they graduate  Really looking forward it.

have a taste though- last few month work been slower than normal- so a lot more free time and a taste of slow living. Really need to find something to occupied. I've done my gardening, aquascape, spend sometime exercise. But also watched a lot of youtubes

need to keep self active physically and mentally... and havings a lot of friends help. i am more of introvert though.... so - need to change and adapt.
But working after 60- no way la- for leisure may be, on hobby and such.

I am thinking of tutoring for higher age like secondary, that's where the money is.

maybe I can start part time for primary chinese school after tution, but I need to brush up my mandarin first.

I will start self study of maths and add maths.

Tutor good idea- though aim for IGCSE year 10 or year 11. market is there and better price.
KOL... old people hard to compare to new guys la, and after 13 years- dunno how this profession evolves.
if keen to do, why not start small small now?
Real estate is not really easily.. need good network for seller and buyer. Also very much depends on luck

I am thinking of tutoring for higher age like secondary, that's where the money is.

maybe I can start part time for primary chinese school after tution, but I need to brush up my mandarin first.

I will start self study of maths and add maths.

Yeah start horning now, part time if need be, don’t wait til a switch over at 60.

I do think yourself as a part time tutor at tuition centers is a good start. For networking for materials for being in a class experience for student/ tutor / parent interactions for segment market survey all for the ground work

Tutor also need networking.

how to get?

but at least can self train up for being a tutor.

I am not sure the market for 60yo and above tutor.

I don't have patience for being a real estate agent.

Tutor network easier to build- in my opinion.
Start with cheap, give trial class.

Also important is to make the student confortable, use positive encouragement.
i dont mean do large class ya, small group 3-4 at most.

of course.

I think only 2% of retirees in every company gets to be extended

you really need to be favorite of the big boss or you have a very special skill the co appreciate.

Unless govt Madani suddenly extend retirement to 65yo, then I am not very worried.

infant risky, even small children are risky.

Am looking for materials that can withstand the water vapour from the saltwater.  Rust is a big problem for seaside buildings.

Gonna retire in 13 years...I must plan what to do after this. I am not sure if government would do extension for retirement from 60 to 65. Last I heard, Madani still discussing.

4 areas I try to ask around, but seem can't get info:

1) KOL - ask how to become one, recently met an in law in law...at a dinner family gathering. This relative can get free restaurant and hotel stay but must provide feedback. Ask how she does it, but suddenly become hesitant due to trade secret

2) tution teacher - asked a friend haven't met in years, pretending to seek tution for my child to ask for information. But he appeared hesitant. He has experience in setting up tution planner website where parents seeking tution for thier children can find teachers via the website. It failed after some years. He has a local univeristy degree in which he uses it to promote his tution abilities. He used to work for commercial until one day, he could not get along with his boss, he quit and went full tution at 35yo. He's been doing tution ever since, teaching all sorts of subjects. I wonder how he networks and find clients. He is single so can survive on his own la.

When ask, he hesitant and want to excuse himself.

3) real estate
Asked a friend on this one. Sounds very tough. He says first start with your friends and family network. Then talk to other real estate agents to share client list.

Have to find seller, have to find buyer. Wow, double work man.

not easy.

Another relative doing the business tell me got quota one, if not achieve one sale or rent, in 3 months, out you go. Also very hard to meet seller demands, sometimes they demand the sky but buyer also look for thier own specs.

4) kindergarten teacher
A relative retired as an accountant and now working at a kindy as part time teacher. Only earn 3.5k a month.

5) Grab car
I used to think of wanting to do airport taxi services. I know a director friend who got laid off, he decided to use his Vellfire as airport taxi for VIP clients.

back 15 years later, I thought of becoming a taxi driver. But now with grab destryoed the traditional business. I don't think its easy to be grab driver, anyone doing it? seems like the margin is kind of low. Any difficulty in doing this? what more your car needs to be 5 years old, right?

6) Baby sit business
This is one need lesen?
But too high risk as baby may fall sick or injured outside, nanti blame me, I do not want anything happen to baby then I become responsible, nanti kena arrested. Have to install CCTV, have to watch baby. I have experience in raising babies as I have taken care personally of my kids.

Anything else i missed?

pet hotel

I feel you need to invest a lot money before making profits