View Full Version : Career change
Hi...I would like to seek all of your kind analysis, opinions and advices on my career change.
I am already 36 year old, and my salary has been stagnating at 3.5k++SGD with little chance/prospect of increasing. With high inflation within horizon and my ambitious plan of getting a Mt Sinai property, I feel I have to step out of my comfort zone to go beyond the norm.
I am considering to work as a property agent. Please kindly offer your honest opinion and view on this career change.
Please do not flame me, thanks.
but yr mentality keep saying market will crash how u do property sales ? Unless u want to lie through your teeth tell pple nonetheless to buy regardless of your beliefs ? :cheers1:
Sorry, my pay is almost twice yours but I never thought of even a novena / newton condo. Maybe, you need to manage your expectations
Hi...I would like to seek all of your kind analysis, opinions and advices on my career change.
I am already 36 year old, and my salary has been stagnating at 3.5k++SGD with little chance/prospect of increasing. With high inflation within horizon and my ambitious plan of getting a Mt Sinai property, I feel I have to step out of my comfort zone to go beyond the norm.
I am considering to work as a property agent. Please kindly offer your honest opinion and view on this career change.
Please do not flame me, thanks.
I thot you bought Flamingo Valley with your Foreign Bank staff's loan rite..
How to quit ? or you did not buy FV at all and was never working in a Foreign bank ?? and you never gather your PIL and BIL and your parents under the one roof scam .. So everyone here have been trolled by you ..
You are here to TCSS only rite ? :doh: :doh:
I thot you bought Flamingo Valley with your Foreign Bank staff's loan rite..
How to quit ? or you did not buy FV at all and was never working in a Foreign bank ?? and you never gather your PIL and BIL and your parents under the one roof scam .. So everyone here have been trolled by you ..
You are here to TCSS only rite ? :doh: :doh:
Hi...my plan was destroyed by Soh and Ye.
Anyway, please do not flame me I am seeking geniune advice here. Thanks.
Hi...my plan was destroyed by Soh and Ye.
Anyway, please do not flame me I am seeking geniune advice here. Thanks.
Ok. I am just letting my heat out of you .. What's Soh and Ye ?
Anyway, changing career at your age is not an ideal thing to do b'cos you lose whatever seniority and advantage you have .and think of job stability and security for your family .many things in life eg. taking care of family are more important than property dream ..and soori hor to me property agents are last resort for people who are really at dead end or lose job
...any way Cheers for your never-say-die spirit !!:D :D
Ok. I am just letting my heat out of you .. What's Soh and Ye ?
Anyway, changing career at your age is not an ideal thing to do b'cos you lose whatever seniority and advantage you have .and think of job stability and security for your family .many things in life eg. taking care of family are more important than property dream ..and soori hor to me property agents are last resort for people who are really at dead end or lose job
...any way Cheers for your never-say-die spirit !!:D :D not really, property agents make v good $, but need to work v hard, and sacrifice time with family and most important they must be street smart, I can dare say, is not for the last resort people.....and they know where are the good deals... Last I am not a property agent because I don't want to work too hard
Ok. I am just letting my heat out of you .. What's Soh and Ye ?
Anyway, changing career at your age is not an ideal thing to do b'cos you lose whatever seniority and advantage you have .and think of job stability and security for your family .many things in life eg. taking care of family are more important than property dream ..and soori hor to me property agents are last resort for people who are really at dead end or lose job
...any way Cheers for your never-say-die spirit !!:D :D
Soh's and Ye's are the family who loves whistleblowing and making their Eco purchases known in Singapore Media platform.
Coincidentally, the Soh was exposed in the forum before but went into some form of hibernation. I believe this Soh is still actively in the forum. The Ye's probably busying his career and finding his gf for Soh to pass judgement.
So much for Soh and Ye story then.
Thanks for providing your perspective in property agent career. I will think hard over it.
Hi...I would like to seek all of your kind analysis, opinions and advices on my career change.
I am already 36 year old, and my salary has been stagnating at 3.5k++SGD with little chance/prospect of increasing. With high inflation within horizon and my ambitious plan of getting a Mt Sinai property, I feel I have to step out of my comfort zone to go beyond the norm.
I am considering to work as a property agent. Please kindly offer your honest opinion and view on this career change.
Please do not flame me, thanks.
What do you truly want in life? Is all you want in life is getting a Mt Sinai property? Being a property will give you a little advantage over others in terms of getting first-hand info on the availability of such property, however it will depend on how hardworking you are to be able to afford it. You will also need to invest time and effort into taking the necessary tests and certifications to become one. Ultimately, it depends on what do you want in life... ...
U are 36, too late to strike rich unless u tio toto.
Just be good boy stay in ur hdb and be good to your family.
I was walking near SMU and saw lots of people outside NTUC with several agents outside. I thought there is a new project around the area. I understand that it was the real estate exam by CEA and the agents are trying to recruit them. You can see many young and middle age people who want to become real estate agent. Believe agent is a good career once higher level of network is being built.
Soh's and Ye's are the family who loves whistleblowing and making their Eco purchases known in Singapore Media platform.
Coincidentally, the Soh was exposed in the forum before but went into some form of hibernation. I believe this Soh is still actively in the forum. The Ye's probably busying his career and finding his gf for Soh to pass judgement.
So much for Soh and Ye story then.
Thanks for providing your perspective in property agent career. I will think hard over it.
Hi...I would like to seek all of your kind analysis, opinions and advices on my career change.
I am already 36 year old, and my salary has been stagnating at 3.5k++SGD with little chance/prospect of increasing. With high inflation within horizon and my ambitious plan of getting a Mt Sinai property, I feel I have to step out of my comfort zone to go beyond the norm.
I am considering to work as a property agent. Please kindly offer your honest opinion and view on this career change.
Please do not flame me, thanks.
Your pay is marginally better than a dish washer only ($3.5k). I understand taxi drivers n crane operators earn $7k a month, so it is good time for a change to these career? Property agent may clock 0 sales for several months sometimes so it is not a job for e faint hearted.
U are 36, too late to strike rich unless u tio toto.
Just be good boy stay in ur hdb and be good to your family.
Not really, I know an uncle who was a foreman and went into home renovation business at 50 years old. Now 60 he earns five figures a month and the business is expanding.
Many people strike riches in late life.
Another example is opposition MP Png Eng Huat. In his 50s, before he become MP, he was just running a flower shop.
Your pay is marginally better than a dish washer only ($3.5k). I understand taxi drivers n crane operators earn $7k a month, so it is good time for a change to these career? Property agent may clock 0 sales for several months sometimes so it is not a job for e faint hearted.
Hi..thanks for the suggestion. I have got my taxis license and have had tried part time. It is pretty decent though I cannot be sure if it would be the same if I go full time.
For crane operators, could you elaborate further as I am currently only holding onto class 3 license. I believe I need more than a class 3 to really consider this.
phantom_opera
12-05-13, 15:46
to afford mt sinai u need salary 5 digit plus lots of bonus
Think out of the Box.
I want to travel, enjoy 4 seasons, stay in landed property, give my son a third language, give my wife a small allowance a month, free health care, want someone to pay me for my accommodation and give me extra money to spend.
Why restrict yourself in Singapore, the World is your home.
Hi...I would like to seek all of your kind analysis, opinions and advices on my career change.
I am already 36 year old, and my salary has been stagnating at 3.5k++SGD with little chance/prospect of increasing. With high inflation within horizon and my ambitious plan of getting a Mt Sinai property, I feel I have to step out of my comfort zone to go beyond the norm.
I am considering to work as a property agent. Please kindly offer your honest opinion and view on this career change.
Please do not flame me, thanks.
Maybe u could consider part time on property agent first and see if it is your cup of tea . At least u still have your decen job, it would be tough to manage these 2 jobs during e interim period without compromise your existing .
On side track, it a blessing to house both the parent under one root, not many of us have such blessing nor wanted to , maybe you could set your expectation accordingly ...
You make it sounds like Novena/Newton property is cheaper than Mt. Sinai's. If he can't even buy Mt Sinai property, all the more he can't make it for Nonena/Newton property and there are many good schools clustered around Novena/Newton.
Sorry, my pay is almost twice yours but I never thought of even a novena / newton condo. Maybe, you need to manage your expectations
princess_morbucks
12-05-13, 17:22
Bro yowetan, you should be eternally grateful to Soh and Ye if they played a part in you not getting your purchase.
With your kind of salary, you are better off staying in your Tiong Bahru 5 room flat.
Do you know how many people covet to stay in your place and area?
You are fortunate to be able to have space and good location.
And if your unit is high floor, even better.
So I dunno why you try so hard to want to upgrade beyond your means.
I agree you should try a career change especially now that you have not made any purchase and have more financial leeway.
Think hard, and try to be enterprising.
Once you have found a niche and money starts rolling in then think of upgrading.
In the meantime, be happy with what you have.
You have a happy family and a beautiful dog.
Do treasure all these!
Property agent is hard work and usually have to work on weekends. So you will loose your family and bonding time. :beats-me-man:
Thanks for all sincere and honest feedback and inputs.
I am actually in the so-called mid-life crisis; I feel I should have gotten more but due to whatosover reasons I am unable to reach the ideal pay scale.
Some of you are probably right setting the right expectation and clearer idea of what I really want.
Despite all odds stack against me, I feel it is not a crime to think of Mt Sinai. Hopefully it would be a motivation for me to strive harder, or perhaps strike out of the four boxes.
Soh or/and Ye is a passe...; contradiction and hypocrisy when read Ye's interview with Media. I can't help laughing when I saw Ye's short interview and I saw Soh's shadow lingering when Ye was making his interview.
jonathann80
12-05-13, 17:42
I have heard of ppl doing illegal biz earning loads.
Hi...I would like to seek all of your kind analysis, opinions and advices on my career change.
I am already 36 year old, and my salary has been stagnating at 3.5k++SGD with little chance/prospect of increasing. With high inflation within horizon and my ambitious plan of getting a Mt Sinai property, I feel I have to step out of my comfort zone to go beyond the norm.
I am considering to work as a property agent. Please kindly offer your honest opinion and view on this career change.
Please do not flame me, thanks.
Switch to Taxi driver...I heard say that monthly income is 9K/mth if very very very hardworking and work day and nite :D :D :D !
Switch to Taxi driver...I heard say that monthly income is 9K/mth if very very very hardworking and work day and nite :D :D :D !
No energy left to enjoy the fruits of your labour... or worse, all that you earned donated to medical bills. :scared-3:
actually what he needs is guts. He hasn't been able to buy anything as he is fixing his mind on mt sinai.
how abt mt sophia, mt kinabalu, mt everest, mt timah ?
so many mt out there which is affordable...
also woodlands. Just go and whack a La Casa or etc....and get on with life
phantom_opera
12-05-13, 20:02
Just sweet talk your parents-in-law and parents to sell off fully paid HDBs, combine force to buy Mt Senile lah
They already willing to stay together under on HDB with u ... for sure selling off their own HDBs sure ok mah :p
If sell 3 HDBs (including your own roof) still cannot stay in Mt Senile ... case closed
This yowetan is a waste of time but i enjoy seeing how he is suffering. Low pay yet think of mt sinai. Then when found cannot afford start telling everyone crash coming. Not the kind of people i want to make friends with.
Just sweet talk your parents-in-law and parents to sell off fully paid HDBs, combine force to buy Mt Senile lah
They already willing to stay together under on HDB with u ... for sure selling off their own HDBs sure ok mah :p
If sell 3 HDBs (including your own roof) still cannot stay in Mt Senile ... case closed
That's what I told my children. although my income is much higher than yowetan claimed for himself (of course I never believe what he said), I think the landed is too far away from me. Therefore, I suggest combining all our force to buy a landed after they start to work. Still need to wait for a long time, though.
That's what I told my children. although my income is much higher than yowetan claimed for himself (of course I never believe what he said), I think the landed is too far away from me. Therefore, I suggest combining all our force to buy a landed after they start to work. Still need to wait for a long time, though.
Unlike many people, I do not inflate or under declare my income. It is a fact that I am earning this much, which is unimpressive at my age. Again, this is beyond my control and I have been very accountable, and responsible in my job.
It is not a matter of foreign talent and I certainly do not wish to be make this subject political. At times, it is more of an opportunity and appreciation. The foreign bank I working for, is not worthy to mention of except the working hour is manageable and the scope beyond the job roles and responsibilities are nothing more or less to impress anyone. As a matter of fact, I think the boss wouldn't bother for I have personally witnessing it, the bank has been changing hands a few times.
I would attribute to lack of luck, and opportunities that I am still recieving 3.5k+++ pay cheque today. I would also like to correct misconception that people who works in bank, especially back end office are well-paid. For my peers who work in the same bank as me, most of them are getting around this range too. It is the culture and the budget the bank carries, however it is really less than desire to mention of.
Office politics, favoritisim, nepotism and nonsensical work attitude somehow somewhat thriving. As usual, hardwork is not always being recongized and rewarded.
phantom_opera
12-05-13, 21:00
I tot banks pay good bonus of five six months when going is good
Crash is now become more remote with recent yen carry trade boom
I tot banks pay good bonus of five six months when going is good
It doesn't happen to me and my fellow colleagues.
Instead, we have a simplification every year.
care to share what is your qualification? your wife is a home maker?
Unlike many people, I do not inflate or under declare my income. It is a fact that I am earning this much, which is unimpressive at my age. Again, this is beyond my control and I have been very accountable, and responsible in my job.
It is not a matter of foreign talent and I certainly do not wish to be make this subject political. At times, it is more of an opportunity and appreciation. The foreign bank I working for, is not worthy to mention of except the working hour is manageable and the scope beyond the job roles and responsibilities are nothing more or less to impress anyone. As a matter of fact, I think the boss wouldn't bother for I have personally witnessing it, the bank has been changing hands a few times.
I would attribute to lack of luck, and opportunities that I am still recieving 3.5k+++ pay cheque today. I would also like to correct misconception that people who works in bank, especially back end office are well-paid. For my peers who work in the same bank as me, most of them are getting around this range too. It is the culture and the budget the bank carries, however it is really less than desire to mention of.
Office politics, favoritisim, nepotism and nonsensical work attitude somehow somewhat thriving. As usual, hardwork is not always being recongized and rewarded.
care to share what is your qualification? your wife is a home maker?
Hi...I graduate with a bachelor degree in 2004.
My wife works in same company as me.
Hi...I graduate with a bachelor degree in 2004.
My wife works in same company as me.
local uni or distance learning? looking at your age, you go via diploma route?
I think it all depends what is your character. Are u able to speak well? Outgoing? Like to social?
local uni or distance learning? looking at your age, you go via diploma route?
Yes, I went to overseas university via diploma route. On campus studies instead distance learning.
I think it all depends what is your character. Are u able to speak well? Outgoing? Like to social?
To be honest, I am an average joe.
Yes, I went to overseas university via diploma route. On campus studies instead distance learning.
I see, perhaps you did not job hop frequently? say once every 2 years.
at your current age, an average joe of your profile should be earning ard $5k++ or annual about $80k++. we are not talking about highflyer.
if the salary you quotr is true and that your annual package is less than 16mths, you really have to job hop. you are in your prime age. time is ticking fast though as in singapore, beyond 40yrs old v risky to job hop.
I see, perhaps you did not job hop frequently? say once every 2 years.
at your current age, an average joe of your profile should be earning ard $5k++ or annual about $80k++. we are not talking about highflyer.
if the salary you quotr is true and that your annual package is less than 16mths, you really have to job hop. you are in your prime age. time is ticking fast though as in singapore, beyond 40yrs old v risky to job hop.
Hi...Yes. I never job hop. First job since then.
I have been trying sourcing around since last year Q4 but not very successful.
Hi...Yes. I never job hop. First job since then.
I have been trying sourcing around since last year Q4 but not very successful.
the issue that might arise with potential job application is your current low pay. it sends a bad signal to employers. as I said, the profile of avg joe of your type is about $5k+
hence you may consider quoting $5k per mth as your last drawn pay. if really go interview, act blur and show your annual pay (divide by 12 would be much higher than $3.5k)
remember, in a captalist society, company dont value loyalty over capability.
I hope it is now clear that you should job hop, as the time goes by, it will get tougher as batches and batches of fresh grads are fed into the mkt.
To be honest, I am an average joe.
Your brutal honesty is very striking. I understand now why u want prices to crash because u can't bring your salary up. There are jobs that a middle age man can do for a career change:
1. Be a hawker
2. Be a teaching professional, like teaching accountant to students
3. Be a church minister
4. Be a fortune teller or fungsui master
5. Start a career in funeral industry
6. (Please add more list)
You really need to job hop. I am in 40s and job hopped >12 times. Still hopping in my 40s. Also, you may not be networking with the proper crowd. Change your friends if you have to. We all need friends who are in a (atas) better standing then ourselves to be able to improve our current state. Also, distance yourselves from Negative people, including relatives if needed. You may end up with lesser friends or relatives, but belonging to the Positive thinkers will go a long way to support, suggests, encourage in your pursuits. Come out of your comfort zone, it may be more detrimental than the unknown which is waiting for you out there. Have you seen Linkedin? tryout and you may discover schoolmates and lost acquaintances who have moved up the ladder by now, Dy Directors, business owners, etc. Touch base with them again. Nevertheless, it is easy to give advise, I was there before, am still a salaried worker now. Good Luck.
yw
even you managed to switch job to a better package. Try to forget about Mt Sinai.
Once you fixated a target that is hard to get , then life will be miserable. why not look at interlace, woodlands project, etc
First time I have felt the sincerity from yowetan.
To some extent, success in career depends on luck and role in the company.
although banks generally offers high salaries, but some department, e.g., IT,
may not provide good opportunities.
and it also depends on the boss' impression on the staff. Once the impression is there, no matter how hard the staff works, the boss may simply not appreciate.
Yowetan, you are still quite young, career change is a better way than staying in the current position. Besides agent, you can also consider
teaching posistions if you are not that talkative, persuasive kind.
I just have a few points
Don't blame on others
Do you know who are Soh and Ye? do they know you? Do you have proof of what they had done to you? BTW, what have they done to you in affecting your decision? Don't blame on others if you are not able to capture the opportunities yourself, this reflects on you.
Are you an average Joe? NO, definitely NO
I believe none of the forummers here can put, parents, parents in law, BIL under one roof, keep their rental income, don't give them pocket money, they do all the household work, taking care of your children etc etc. and you are not going to take care of them when they are old and sick...As such, you are definitely not an average Joe, you are so much better than all us here.
Are you an average Joe? YES, definitely YES
You are 36, an overseas uni grad, earning $3600 per month, that is the pay of a local grad with 2-3 years working experience. You claimed that you are effective, efficient, but why earning below market? and still stay put for so long? So are you worst than an average Joe.
At 36, you still have to come here to ask the forummers on your career choice.
Shall you change your job?
Looking at some of your postings, you are very good in posting two sentence questions for other to answer you instead of just make a call or do a google. Can I suppose this is your working attitude?
Lately, you have been calling crashing everywhere? is this your character?
If above is true, then you lack of positive attitude and thinking.
My advice to you is to stay put, mainly, you may not survive in the new working environment. And the interviewers highly unlikely will give you a job assessing your age and your pay and even your current job specification, that definitely is something terribly not right somewhere.
You may not be happy with the above I wrote, but life is like that, not full of fairness and happiness all the time.
Anyway, I wish you all the best
Yowetan should just buy iskandar. Cheaper, FH, big land and considered as prime too.
Anyway i am sure leopard never changes its spots. Yowetan will be back to his irritating self in no time.
I just have a few points
Don't blame on others
Do you know who are Soh and Ye? do they know you? Do you have proof of what they had done to you? BTW, what have they done to you in affecting your decision? Don't blame on others if you are not able to capture the opportunities yourself, this reflects on you.
Are you an average Joe? NO, definitely NO
I believe none of the forummers here can put, parents, parents in law, BIL under one roof, keep their rental income, don't give them pocket money, they do all the household work, taking care of your children etc etc. and you are not going to take care of them when they are old and sick...As such, you are definitely not an average Joe, you are so much better than all us here.
Are you an average Joe? YES, definitely YES
You are 36, an overseas uni grad, earning $3600 per month, that is the pay of a local grad with 2-3 years working experience. You claimed that you are effective, efficient, but why earning below market? and still stay put for so long? So are you worst than an average Joe.
At 36, you still have to come here to ask the forummers on your career choice.
Shall you change your job?
Looking at some of your postings, you are very good in posting two sentence questions for other to answer you instead of just make a call or do a google. Can I suppose this is your working attitude?
Lately, you have been calling crashing everywhere? is this your character?
If above is true, then you lack of positive attitude and thinking.
My advice to you is to stay put, mainly, you may not survive in the new working environment. And the interviewers highly unlikely will give you a job assessing your age and your pay and even your current job specification, that definitely is something terribly not right somewhere.
You may not be happy with the above I wrote, but life is like that, not full of fairness and happiness all the time.
Anyway, I wish you all the best
Like + Like + Like +
shareidiot
13-05-13, 10:32
Yowetan,
I hesitated before deciding to write this message (as I shouldn't be a busybody)...... Hope you don't mind my 2 cents....
I think I read some where that your inlaws (from both sides), bro-in-law & your own 2 kids all squeezed into your 5 room Tiong Bahru flat.
You mentioned that both inlaws' HDB flats are fully paid up & now pocketing disposal income. I wonder u mean your inlaws' disposable or your income?
Besides, you seem to imply that both you & your spouse is the only child (i.e. the 2 inlaws' HDB flat will be yours sooner or later).
You also mentioned that your income is stagnant SGD3,500 & working in a bank.
Now........ my views (without prejudice) are:
1) Even staying in HDB, don't you think that you should provide a quality living space for your family (being the MAN of the house).
2) The rents from the other 2 inlaws' HDB should be their own living income (not your spouse nor yours).
3) Personally, I am 40+. I stayed with my 1st employer for 20 years. Now I am working with my 2nd employer (4 years & going). My monthly income more than double yours. What I want to say is even staying on with the same company, it depends on wisdom, opportunities & abilities, for your career to move on/up.
4) Having said that, with my income, I am not even considering buying a property in Mt Sinai. We should live within our own means.
5) My investment property is paid in cash (down payment), and if possible, for my loan, I shall service it on cash basis, as long as situation permits.
6) If you think you are considering to dispose off your 2 inlaws' HDB to service your personal objective of getting a SGD 1.8M property in Mt Sinai, may I say that you are just like what Chinese in China said “月光组". That is not nice. Not effort of your own.
It is NOT my intention to touch on these personal views. But sincerely hope you WAKE UP and be realistic (perhaps lower your expectation). Coz, even if you (EVENTUALLY) achieved your target, it is NOT thru your own means... Got it?
I just have a few points
Don't blame on others
Do you know who are Soh and Ye? do they know you? Do you have proof of what they had done to you? BTW, what have they done to you in affecting your decision? Don't blame on others if you are not able to capture the opportunities yourself, this reflects on you.
Are you an average Joe? NO, definitely NO
I believe none of the forummers here can put, parents, parents in law, BIL under one roof, keep their rental income, don't give them pocket money, they do all the household work, taking care of your children etc etc. and you are not going to take care of them when they are old and sick...As such, you are definitely not an average Joe, you are so much better than all us here.
Are you an average Joe? YES, definitely YES
You are 36, an overseas uni grad, earning $3600 per month, that is the pay of a local grad with 2-3 years working experience. You claimed that you are effective, efficient, but why earning below market? and still stay put for so long? So are you worst than an average Joe.
At 36, you still have to come here to ask the forummers on your career choice.
Shall you change your job?
Looking at some of your postings, you are very good in posting two sentence questions for other to answer you instead of just make a call or do a google. Can I suppose this is your working attitude?
Lately, you have been calling crashing everywhere? is this your character?
If above is true, then you lack of positive attitude and thinking.
My advice to you is to stay put, mainly, you may not survive in the new working environment. And the interviewers highly unlikely will give you a job assessing your age and your pay and even your current job specification, that definitely is something terribly not right somewhere.
You may not be happy with the above I wrote, but life is like that, not full of fairness and happiness all the time.
Anyway, I wish you all the best
一针见血。。。:scared-5: ！
Actually to be fair to him, 3.5k is a norm salary range for bank back office operation. Don't be nasty to him already. He wasn't as rude as many of us here, just a little annoying.
If everyone is born elite, outspoken, then everyone be director, doc, lawyer, minister.... :rolleyes:
Yowetan,
I hesitated before deciding to write this message (as I shouldn't be a busybody)...... Hope you don't mind my 2 cents....
I think I read some where that your inlaws (from both sides), bro-in-law & your own 2 kids all squeezed into your 5 room Tiong Bahru flat.
You mentioned that both inlaws' HDB flats are fully paid up & now pocketing disposal income. I wonder u mean your inlaws' disposable or your income?
Besides, you seem to imply that both you & your spouse is the only child (i.e. the 2 inlaws' HDB flat will be yours sooner or later).
You also mentioned that your income is stagnant SGD3,500 & working in a bank.
Now........ my views (without prejudice) are:
1) Even staying in HDB, don't you think that you should provide a quality living space for your family (being the MAN of the house).
2) The rents from the other 2 inlaws' HDB should be their own living income (not your spouse nor yours).
3) Personally, I am 40+. I stayed with my 1st employer for 20 years. Now I am working with my 2nd employer (4 years & going). My monthly income more than double yours. What I want to say is even staying on with the same company, it depends on wisdom, opportunities & abilities, for your career to move on/up.
4) Having said that, with my income, I am not even considering buying a property in Mt Sinai. We should live within our own means.
5) My investment property is paid in cash (down payment), and if possible, for my loan, I shall service it on cash basis, as long as situation permits.
6) If you think you are considering to dispose off your 2 inlaws' HDB to service your personal objective of getting a SGD 1.8M property in Mt Sinai, may I say that you are just like what Chinese in China said “月光组". That is not nice. Not effort of your own.
It is NOT my intention to touch on these personal views. But sincerely hope you WAKE UP and be realistic (perhaps lower your expectation). Coz, even if you (EVENTUALLY) achieved your target, it is NOT thru your own means... Got it?
Hi...thanks for the genuine and kind input. Appreciate that.
Thanks again.
Actually to be fair to him, 3.5k is a norm salary range for bank back office operation. Don't be nasty to him already. He wasn't as rude as many of us here, just a little annoying.
If everyone is born elite, outspoken, then everyone be director, doc, lawyer, minister.... :rolleyes:
Hi...thanks. Judging people capability and ability based on how much they write/reply in a forum is something new I have learn recently from this forum. Thanks for the kind understanding.
Real Estate agent career is not for everyone.
Its really not easy scuffling with your peers for listings and closing sales with teeth grit n bleeding from opinions that may shadow your pride or integrity.
There are of cos some who get by easily as they dun think so much and have not much family commitments etc etc.
Abt working and earning more so that you can afford a ppty u desire, do manage ur expectations as well as study the mkt seriously. Dun rely too much info by agents or wat u read in the papers, cos usually btt u finished reading, the mkt has changed.
I say this becos i have many friends who are way much wealthier (cash rich) then me but failed to take the first bold step and are now are stuck with their 1st ppty becos of the implimentations of the various cms lately.
If you still think that the Sinai ppty is too exp, then it is probably true for your financial standings. Move on and look elsewhere. There's alot of hidden gem in Singapore actually :D
All the best;)
I'm not here to feed the troll but we need to make a clear distinction between aspiration and obsession.
Aspiration will make one question what he/she is lacking and making an effort to change and improve oneself
Obsession will just make one blame others when things dont go their way. Anyone and everyone's fault except his/hers.
Only those with aspirations deserve help and advice.
Hi...I would like to seek all of your kind analysis, opinions and advices on my career change.
I am already 36 year old, and my salary has been stagnating at 3.5k++SGD with little chance/prospect of increasing. With high inflation within horizon and my ambitious plan of getting a Mt Sinai property, I feel I have to step out of my comfort zone to go beyond the norm.
I am considering to work as a property agent. Please kindly offer your honest opinion and view on this career change.
Please do not flame me, thanks.
You dont need a Career change. You have not bring out your full potential which everybody has. Your INNER strength. Once you hv found your inner strength, whatever things U want to achieve , it can be done.
The greatest discovery of all time is that a person can change his future by merely changing his attitude
Positive thinking is expecting, talking and visualizing with certainty what you want to achieve, as an accomplished fact
A positive attitude brings strength, energy, motivation and initiative.
To think negatively is like taking a weakening drug.
When you say, "I can't" and expect the worst, you become weak and unhappy
When you say "I can", and expect success, you fill yourself with confidence and happiness
Positive thinking and negative thinking are attitudes. They are points of view, and show the way people handle their affairs
Positive thinking evokes more energy, more initiative and more happiness.
Train your mind to think in terms of 'possible' and 'can be done'
With the right attitude, you can inspire and motivate yourself to do greater things
The power of positive thinking is like a car with a powerful engine that can take you to the summit of a mountain.
rdgs,
Vic
Well said Vic
怕只怕
江山易改,本性难移
This guy shall do an analysis of himself and map out his path and realistically move on.
I doubt in his entire career life, he had ever thought of how to enhance his market value and marketability.
Hope he listen to you..
Yowetan,
You are a fortunate fellow. You are asking this question at the right time.
if you really willing to try stg new and increase your income, maybe can check out opportunity to be crane operator.
The job is dangerous (you need to climb very tall cranes, clock work whether it is sunny day, cloudy day, rainy day, need to spend a few hours on the crane at one go, need to do OT and sacrifice publick holidays, need to be alert at all times because it can potentially hurt and injure fellow workers who are on the ground).
But, there is a severe shortage of Singapore citizen and PRs working in this line.
If you believe the construction boom will last for a while, maybe u can make career switch into this job and make hay while the sun shines.
Go and check out this website
http://www.channelnewsasia.com/news/singapore/more-singaporean-crane-operators-needed-/661066.html
http://www.todayonline.com/singapore/more-singaporean-crane-operators-needed-khaw
http://sbr.com.sg/building-engineering/news/singapore-in-drastic-need-local-crane-operators
http://www.mom.gov.sg/workplace-safety-health/applications-registrations/competent-person/Pages/crane-operator-new-application.aspx
http://www.asiaone.com/Business/Office/Hot%2BJobs/Story/A1Story20071029-32905.html
[QUOTE=Ricade]
The job is dangerous (you need to climb very tall cranes, clock work whether it is sunny day, cloudy day, rainy day, need to spend a few hours on the crane at one go, need to do OT and sacrifice publick holidays, need to be alert at all times because it can potentially hurt and injure fellow workers who are on the ground).
I think that is cruel to a bank officer. I'd rather make less money, stay in HDB and be happy and safe.
evolutionx
13-05-13, 18:00
bro - i can tell you .. if you want to increase your salary .. be prepared to work for it or sacrifice something major. can you do that? my weekday work schedule is from 9am to 11pm (with the exception of Friday. I work alternate saturdays if need be, and I always work sundays most of the time.
sure, can make $, buy a decent house. i am blessed my gf has stuck by me all this while. but difficult to have a proper life when work calls me day in and day out and i always am available to answer my phone for work .. even at 11pm.
yes .. can earn $$ ... i put down a deposit for a small place in river valley a few works ago - not my parents money but mine. every single cent. instead of taking from my folks, i lowered my expectations and bought something reasonable in my budget.
so keep that in mind ... im not telling you to work stupid hours like i do ... but find something you're good at ... and then excel at it ... most of my clients always tell my boss they appreciate my speed of working .. which means my boss finds it hard to replace me :P
http://www.youtube.com/watch?v=0d5eP0wWLQY
try something different. it will work for u unless u are worse than him
Goondu yowetan kuku is asking for ideas to make him rich. I think he is nuts. Look at how he treats his family and relatives. I won't be surprised he is asking each of them to give him allowances for breathing air in his home. If each pays him S$1k a month, he is already a rich man.
know yourself truly and half the battle is won.
Goondu yowetan kuku is asking for ideas to make him rich. I think he is nuts. Look at how he treats his family and relatives. I won't be surprised he is asking each of them to give him allowances for breathing air in his home. If each pays him S$1k a month, he is already a rich man.
I believe there is a misunderstanding - My family does not give me allowances, neither do I.
I am just collecting my parents and parents-in-law rental income and pooled them together for future purpose.
I believe there is a misunderstanding - My family does not give me allowances, neither do I.
I am just collecting my parents and parents-in-law rental income and pooled them together for future purpose.
There is absolutely no misunderstanding.
How could you even collect rental income from your own family and in laws???
You don't know fillial piety.
Hi...I would like to seek all of your kind analysis, opinions and advices on my career change.
I am already 36 year old, and my salary has been stagnating at 3.5k++SGD with little chance/prospect of increasing. With high inflation within horizon and my ambitious plan of getting a Mt Sinai property, I feel I have to step out of my comfort zone to go beyond the norm.
I am considering to work as a property agent. Please kindly offer your honest opinion and view on this career change.
Please do not flame me, thanks.
jumping into the market when the market is forecasted to slow down is that the change u can stomach?
You don't know fillial piety.
Confirmed not :simmering: ! He only know inherit all properties under his names is his future la..:D :D :D !
There is absolutely no misunderstanding.
How could you even collect rental income from your own family and in laws???
You don't know fillial piety.
His parents have another HDB unit, and so do his parents-in-law.
I guess he means he is keeping the rental income generated from these two units and will use it to buy a landed in future for the extended family.
His in-laws are willing to stay with him. He must be good enough to them.
His parents have another HDB unit, and so do his parents-in-law.
I guess he means he is keeping the rental income generated from these two units and will use it to buy a landed in future for the extended family.
His in-laws are willing to stay with him. He must be good enough to them.
If this man is telling you that, it is not his responsibilities to take care of his aged/old parents and parents in law, and the Govt must take care of them, would you think otherwise of your above statements.
The in-laws staying with him is perhaps out of no choice.
He can't sell away his parents, parents in law's properties, perhaps of the following reasons :
1. he wants the constant cash flow or
2. he cannot get them to agree to the sale or
3. He cannot keep the sales proceeds.
I recalled, he claimed he can go to the extent to divorce and declare bankrupt to keep the money....cannot recall exactly.
This guy made me think, how would I do if my son is like that.
jonathann80
14-05-13, 22:09
Unlucky wife and in laws i would say.
A person should not collect rental from family. If the parents or family member's HDB are rented out for income, it has to be because they needed money. Why must yowetan kuku collect rental from these folks??
What i buay tahan this fella is he always ask one liner questions when he could get answers from google. Lagi buay tahan is fellow friends here can bother to reply him.
A picture tells a thousand words. Go google his photo.
A person should not collect rental from family. If the parents or family member's HDB are rented out for income, it has to be because they needed money. Why must yowetan kuku collect rental from these folks??
What i buay tahan this fella is he always ask one liner questions when he could get answers from google. Lagi buay tahan is fellow friends here can bother to reply him.
A picture tells a thousand words. Go google his photo.
Hi...you should refrain from passing judgement purely from the picture.
Picture does tells a thousand words, and not all the words reflect the reality and true situation.
Lastly, please respect people's privacy.
Hi...you should refrain from passing judgement purely from the picture.
Picture does tells a thousand words, and not all the words reflect the reality and true situation.
Lastly, please respect people's privacy.
well said, "not all the words reflect the reality and true situation", especially in this virtual world.
Yowetan, are you real?
well said, "not all the words reflect the reality and true situation", especially in this virtual world.
Yowetan, are you real?
Hi...Mary Lee has the answer.
Hi...I would like to seek all of your kind analysis, opinions and advices on my career change.
I am already 36 year old, and my salary has been stagnating at 3.5k++SGD with little chance/prospect of increasing. With high inflation within horizon and my ambitious plan of getting a Mt Sinai property, I feel I have to step out of my comfort zone to go beyond the norm.
I am considering to work as a property agent. Please kindly offer your honest opinion and view on this career change.
Please do not flame me, thanks.
My sister together with her husband combine income is 4k plus. She feels contented & happy. At least once a month doing charity work. Helping at the old folk home. Wash the toilet, feed them , chit chat with them etc.
She got four grown up children. Youngest studying at Poly. She likes to bring happiness to others. She also hv the time to help up at RC.
“The happiest people don’t bother about whether life is unfair. They just concentrate on what they have.”
===============================================
Changing to a another job will not help. U may not be focus & positive motivated enough to bring U to the next level of success. But I believe it can be taught & trained to be a more focus & motivated person. Go to Library to find motivational positive attitude related books. Attend motivational course , Meet & talk more to those who succeed in life.
Success must be share with your loves one. There is no success in you if U cannot share it with them. Sometimes while U work hard to achieve your goal, U may neglect your families member. So Be aware of your families "emotional deposit" If it is low, it can lead to unhappiness & may lead more quarrel. Worst case is breakup of families. Immediately TOP UP the "Low emotional deposit" like bring them to short holiday trip, communicate more often etc etc.
The greatest discovery of all time is that a person can change his future by merely changing his attitude.
rdgs,
Vic
Lastly, please respect people's privacy.
What privacy are you talking about? You have the photo uploaded for all to see. So what privacy are you whining about? :doh:
If you are hardworking you can google many answers or call agents to answer your questions. I think you fail in your career because of your 'spoon feed me' mindset.
well said, "not all the words reflect the reality and true situation", especially in this virtual world.
Yowetan, are you real?
I am a baby boomer in my fifties. My child's in-laws are very educated, amicable and nice people, whose company I enjoy immensely.
However, do I see them often? Obviously not, as familiarity breeds contempt. I don't want to be so close that we take each other for granted and then have exchange of words or clashes, which would put my child in a difficult position.
I don't even want to stay together with my married child, what more of living together with the in-laws. It's not easy for older people to live under the same roof, as they are more set in their ways, and can be very sensitive and difficult.
I am very lucky that I do like my child's spouse a lot, and I am not the type that can easily take to a person. However,will I hand my rental money to my child's spouse for future investment?
No prize for the right answer. I strongly believe that a bird in the hand is worth two in the bush. I wouldn't even hand my rental money to my children, what more an in-law. By nature I am not miserly or shrewd, it's just that when money is concerned, you can only trust yourself or your spouse, if you have been long together and gone through a lot.
So, are Yowetan's parents and parents-in-law real? Maybe in my parents' generation where people are simpler and not that educated. In this present day Spore?
Not likely, unless someone can really attest that there are still people like that around in S'pore, I mean those with rental income.
To have a career change or not is a question yowetan kuku should ask himself or his wife. Coming here to ask is a dumb attitude. Might as well go ask his own boss? They can give better answers.
I really cannot understand how yowetan kuku can ask his family for rental. They rented out their HDB to stay with him. Yet pay him rental !?!? I must say yowetan kuku is a shrewd kuku bird.:doh:
shareidiot
15-05-13, 15:38
Yowe, this is so 'wrong'. Rental income is their rental income (not yours).
Based on your information, I think your brother in law is staying with you. Reckon that is your spouse's brother ? In other words, your spouse is NOT an only child. So, how can your parents-in-laws' rental income be pooled in (since no matter what, your parents-in-laws have more than 1 child) ?
Besides, even if 1 day, with all the 'pooled in' $, you bought you SGD 1.8M dream home, do you actually know what are the apparent costs/$ you have to spend?
Eg: Household utilities, repair, maintainance, property tax, lost of govt subsidy, et cetera...
Interest rate + spread is also going up (gradually). Do you know the monthly loan amount that you need to service? Have you really done your homework?
There are many issues you need to handle mentally.
Basically, 你的思维很有问题.
I believe there is a misunderstanding - My family does not give me allowances, neither do I.
I am just collecting my parents and parents-in-law rental income and pooled them together for future purpose.
shareidiot
15-05-13, 15:42
Sometime is wrong "up there" (his thoughts).
It is so wrong for the man of the house NOT to provide quality living for his family (so many of them squeezing into that 5 room flat).
Yet, he takes the rental income of the 2 sets of parents.
To have a career change or not is a question yowetan kuku should ask himself or his wife. Coming here to ask is a dumb attitude. Might as well go ask his own boss? They can give better answers.
I really cannot understand how yowetan kuku can ask his family for rental. They rented out their HDB to stay with him. Yet pay him rental !?!? I must say yowetan kuku is a shrewd kuku bird.:doh:
My sister together with her husband combine income is 4k plus......
wow, the gifts from the gene gods are so not equitable.
you received the smart and money genes.
she received the happy-go-lucky genes.
Sometime is wrong "up there" (his thoughts).
It is so wrong for the man of the house NOT to provide quality living for his family (so many of them squeezing into that 5 room flat).
Yet, he takes the rental income of the 2 sets of parents.
Hi...I am consolidating the whole family income resources to map out the future for all of us.
My brother-in-law (wife's brother) is a single man, and he will probably staying with us for the rest of his life. He is currently helping out with utilities bills.
This is to say we will try to save the bulk of the total income in preparation for future opportunities.
We are leading a quality life-style. Our parents are enjoying their time with my two kids. We have ample rooms for our parents, myself and wife, and our brother-in-law.
shareidiot
15-05-13, 16:32
This is lagi wrong.....
If your parents-in law still staying in that property, he (your bro in law) wouldnt need to pay utilities for your household. Why he (bro in law) must bunk in your house and then share cost of living ?
You are simply taking advantage of your entended family in order to achieve your own objectives. Seriously wrong with your thoughts.
Truly with such kind of distorted mindset, it is not surprising (now) to understand why your job/salary is stagnant.
Living space, surely, is not qualitative (in your case). You can deny, it is OK.
Finally, you mentioned somewhere that you planned your kids to enrol @ Henry Park Pri Sch. Is it that important to attend this school ? It is ultmost important to educate children about VALUES, WISDOM, GRACE, INDEPEDENCE, etc.
You are indulging too much on your self-righteousness, and personal goal.
Noticed many forummers have expressed similar views in a similar direction, it seems you aren't getting it. :sleep: :sleep: :sleep:
Hi...I am consolidating the whole family income resources to map out the future for all of us.
My brother-in-law (wife's brother) is a single man, and he will probably staying with us for the rest of his life. He is currently helping out with utilities bills.
This is to say we will try to save the bulk of the total income in preparation for future opportunities.
We are leading a quality life-style. Our parents are enjoying their time with my two kids. We have ample rooms for our parents, myself and wife, and our brother-in-law.
If i want to enjoy big family staying together, i will invite them in. If they pay expenses i am happy. If they don't confribute i am fine because i invited them.
If i invite them in only to suck them of their money for whatever reasons. I should fall into a longkang and let the longkang water drown me.
They obviously need money so they are renting out their flats. How thick skinned of you to ask them for money.
Or this is a lazy way of making more money just because your job is stagnant?
Ok let's say you can buy mt senile. Knowing you will surely (guarantee chop) buy under your name. The poor folks will not have a share at all.
What if you sell the mt senile? They got money to split? What % share? :doh:
I think this yowetan kuku bird is smart to milk his family.
I don't know how to squeeze so mang people into a 2 or even 3 bedder unit. S$1.8m surely cannot buy 4 bedder in mt senile. I lagi don't want so many embarressment when my wife is a loud moaner. I don't expect them to put on ear plugs when i already milk their fortune. :D
If i want to enjoy big family staying together, i will invite them in. If they pay expenses i am happy. If they don't confribute i am fine because i invited them.
If i invite them in only to suck them of their money for whatever reasons. I should fall into a longkang and let the longkang water drown me.
They obviously need money so they are renting out their flats. How thick skinned of you to ask them for money.
Or this is a lazy way of making more money just because your job is stagnant?
Ok let's say you can buy mt senile. Knowing you will surely (guarantee chop) buy under your name. The poor folks will not have a share at all.
What if you sell the mt senile? They got money to split? What % share? :doh:
I think this yowetan kuku bird is smart to milk his family.
I don't know how to squeeze so mang people into a 2 or even 3 bedder unit. S$1.8m surely cannot buy 4 bedder in mt senile. I lagi don't want so many embarressment when my wife is a loud moaner. I don't expect them to put on ear plugs when i already milk their fortune. :D
Hi Mt Sinai property has high ceiling, so I could build/erect the loft which can be easily accommodate all family members.
As I have had mentioned in earlier thread(s), the hours which family members are around are at staggering interval/time span. Hence, the peak will be the evening/night time where everyone is sleeping.
No quality of life is compromise.
After reading all your posts, i find tat u not suitable to own a pte, as u are immature and financially not stable, and u like people to bombard u,
shareidiot
15-05-13, 21:01
Agree.... immature.
Additional ------ materialistic & unrealistic.
After reading all your posts, i find tat u not suitable to own a pte, as u are immature and financially not stable, and u like people to bombard u,
princess_morbucks
15-05-13, 21:47
wow, the gifts from the gene gods are so not equitable.
you received the smart and money genes.
she received the happy-go-lucky genes.
LOL...how you know his sister and BIL don't trade like he does?
Their combined earned income may be $4k, but who knows they may also be big time bond buyers.
I think Yowetan is a good-tempered man. No wonder so many family members can stay with him.
If I were Yowetan, I would let my parents live in their own HDB flat and let my parents-in-law and brother-in-law live in their own HDB flat, my wife and children and I would live in our own 5-room HDB flat at Tiong Bahru - excellent location, so that everybody could have privacy and enjoy spacious living. If money is enough, I would buy a condo near my parents or parents-in-law for the convenience of caring for each other; and if there is not enough money for that but there is still some extra, maybe I would renovate my Tiong Bahru home nicely as an upgrade. To get all these, I wouldn't need to change my job for more money. Life would go on happily, and the whole family would have 3 properties intead of only 1 private property.
I wouldn't waste my time here to be criticized by so many people. Real life is already stressful. Why asking for more stress and humiliation in the virtual world?
I think Yowetan is a good-tempered man. No wonder so many family members can stay with him.
If I were Yowetan, I would let my parents live in their own HDB flat and let my parents-in-law and brother-in-law live in their own HDB flat, my wife and children and I would live in our own 5-room HDB flat at Tiong Bahru - excellent location, so that everybody could have privacy and enjoy spacious living. If money is enough, I would buy a condo near my parents or parents-in-law for the convenience of caring for each other; and if there is not enough money for that but there is still some extra, maybe I would renovate my Tiong Bahru home nicely as an upgrade. To get all these, I wouldn't need to change my job for more money. Life would go on happily, and the whole family would have 3 properties intead of only 1 private property.
I wouldn't waste my time here to be criticized by so many people. Real life is already stressful. Why asking for more stress and humiliation in the virtual world?
Hi...I have discussed with my family members and we have a common goal and objective.
This is why I am confident and going to aim for one Mt Sinai property if chance comes. I am prepared for that.
As mentioned in the other thread, I am willing and/or prepared to declare bankruptcy in bid of the Mt Sinai dream. It is achievable, as long it is well plan.
Hi...I have discussed with my family members and we have a common goal and objective.
This is why I am confident and going to aim for one Mt Sinai property if chance comes. I am prepared for that.
As mentioned in the other thread, I am willing and/or prepared to declare bankruptcy in bid of the Mt Sinai dream. It is achievable, as long it is well plan.
Sorry, why need to declare bankruptcy?
Sorry, why need to declare bankruptcy?
Hi...I mean if there is a need to go to such length, I am prepared for that. I need proper management and planning.
ForeignTalent
15-05-13, 22:33
Hi Mt Sinai property has high ceiling, so I could build/erect the loft which can be easily accommodate all family members.
Do you think you will still have money left to build the loft? While you barely can afford the condo?
After google your photo and saw your face, i am really wondering why God can be so generous, give you such a handsome face and genius brain. Pity your wife
Do you think you will still have money left to build the loft? While you barely can afford the condo?
After google your photo and saw your face, i am really wondering why God can be so generous, give you such a handsome face and genius brain. Pity your wife
Hi...I think it's unfair to pass such statement from a picture. I am definitely more than a picture.
ForeignTalent
15-05-13, 23:22
Ya, your brain is definitely more twisted
All you need is self reflection. Why others can, you can not.
Instead of hoping every body else die, why you don't just think a way to survive?
kskong2000
16-05-13, 00:27
I am still working at this hour but cant control myself to comment here:
Mr Tan, not sure you are real or not. But your posting is very drama. Anyway, following your posting is more interesting than watching the Chanel 8 drama show...Hope you know you in person 1 day..good night..
I am willing and/or prepared to declare bankruptcy in bid of the Mt Sinai dream. It is achievable, as long it is well plan.
Only a coward will do that. Moron.
I hope you declare bankrupt. You will lose your bank job, you will not find job easily, you lose your passport, you cannot take bank loan, no facility etc. I pity your family for having a lazy kuku bird like you.
You are educated. Instead of working hard, you are just finding shortcuts. Really twisted pea brain.
shareidiot
16-05-13, 08:59
I gathered from 1 of ur previous posts that u r eyeing on s$1.8m condo @ Trizon. Is this correct?
With a budget of $1.8m, you can get 2br @ 1092ft2 (smallest unit). The larger sizes of 2brs are tagged in surplus of s$2m.c I hope I have not derived wrongly.
Based on this assumption, you intend to squeeze ALL current members (9 headcounts) into this unit ?.......? And you are going to say that you will be providing QUALITY living space for each member ??? :doh: :doh: :doh:
kskong2000
16-05-13, 10:14
Morning..
Seriously, I dont think Mr Tan is kuku or stupid but think otherwise based on following reasons:
1. How many of us can convince our PIL to give you their rental income and no monthly allowance given to them;
2. How many of us can convince our PARENT to give you their rental income and no monthly allowance given to them;
3. How many of you can convince your BROTHER IN LAW to let his parent to give you their income and by providing him a space to sleep at night, he need to pay the utilities bill.
4. How many of us who earn $4K (provided what he say is true) but can leverage whatever he has to buy a property which is for sure out of his personal affordability.
From the business point of view, he is considered very successful. He must be a very good saleman who can sell his dream to his family member and get all of them work towards his dream. Also, if he really manage to buy his dream property, his children will be very comfortable with 3 HDB and 1 condo.
Mr Tan, if you really want to change career, why not consider to be financial adviser given the fact that you have very good convincing skill. You have put in effort to make yourself famous in this forum. If everyone of them buy 1 policy or product from you, you can go view property in sentosa cove. I have a friend who from very poor family (I know him well). He change his career from accountant to be financial adviser about 7 years ago. Now he has 7 condo and on and off still got to pay his dad's debt which is borrowed from loan shark.
Sometime, you must think and find out yourselves. By asking ppl in this forum, you wont get anything
GOOD LUCK!
shareidiot
16-05-13, 10:35
Mr Kong, if based on your assumption, he will keep the 3 HDB flats & buy an additional S$ 1.8M condo unit @ Mt Sinai, how much downpayment he needs to folk out ? According to his own confession, his savings is abour SGD50k.
Besides, with an ongoing loan for HDB (more than SGD400K), how will any bank access & render him more loan facilities based on his current income?
Morning..
Seriously, I dont think Mr Tan is kuku or stupid but think otherwise based on following reasons:
1. How many of us can convince our PIL to give you their rental income and no monthly allowance given to them;
2. How many of us can convince our PARENT to give you their rental income and no monthly allowance given to them;
3. How many of you can convince your BROTHER IN LAW to let his parent to give you their income and by providing him a space to sleep at night, he need to pay the utilities bill.
4. How many of us who earn $4K (provided what he say is true) but can leverage whatever he has to buy a property which is for sure out of his personal affordability.
From the business point of view, he is considered very successful. He must be a very good saleman who can sell his dream to his family member and get all of them work towards his dream. Also, if he really manage to buy his dream property, his children will be very comfortable with 3 HDB and 1 condo.
Mr Tan, if you really want to change career, why not consider to be financial adviser given the fact that you have very good convincing skill. You have put in effort to make yourself famous in this forum. If everyone of them buy 1 policy or product from you, you can go view property in sentosa cove. I have a friend who from very poor family (I know him well). He change his career from accountant to be financial adviser about 7 years ago. Now he has 7 condo and on and off still got to pay his dad's debt which is borrowed from loan shark.
Sometime, you must think and find out yourselves. By asking ppl in this forum, you wont get anything
GOOD LUCK!
kskong2000
16-05-13, 10:46
For a property of 1.8mil, assume he can get loan of 70%, the downpayment is around 550K. I think both his parent and PIL HDB is fully paid. He can re-mortgage these 2 properties plus getting unsecured credit facilities. In addition, the bank will also consider his rental income from 3 HDB (he put every1 name as guarantor) as the total income. All sum up should have 15K to 17K.
Anyway, my point is that he is definitely not a kuku person. Maybe he just pretend to be Kuku by trying to get attention to fulfill his other agenda.
Also, he can do something which normal ppl cant (at least I cant)...so i think he is smarter than me...(at least less kuku than me..)
Cheers....
Mr Kong, if based on your assumption, he will keep the 3 HDB flats & buy an additional S$ 1.8M condo unit @ Mt Sinai, how much downpayment he needs to folk out ? According to his own confession, his savings is abour SGD50k.
Besides, with an ongoing loan for HDB (more than SGD400K), how will any bank access & render him more loan facilities based on his current income?
shareidiot
16-05-13, 10:59
S$1.8M 2BR property & everyone squeezed in? Hmmm....... :eek:
Total rental income for 3 hdbs is likely to hit 15k - 17k as you indicated.
Getting unsecured loan ? Do you know the rate ? :eek:
Anyway, it is not wrong if he wants to invest in a private property. However, needs to be realistic with his expectation......
For a property of 1.8mil, assume he can get loan of 70%, the downpayment is around 550K. I think both his parent and PIL HDB is fully paid. He can re-mortgage these 2 properties plus getting unsecured credit facilities. In addition, the bank will also consider his rental income from 3 HDB (he put every1 name as guarantor) as the total income. All sum up should have 15K to 17K.
Anyway, my point is that he is definitely not a kuku person. Maybe he just pretend to be Kuku by trying to get attention to fulfill his other agenda.
Also, he can do something which normal ppl cant (at least I cant)...so i think he is smarter than me...(at least less kuku than me..)
Cheers....
How is yowetan kuku bird planning to declare bankrupt and yet get loan approvals?
I don't know how that will work (declare bankrupt) to realise his dream to buy Trizon. :tsk-tsk:
I hope he builds loft in Trizon. Show some pictures and i will invite BCA to go kuku bird's home for coffee. Of cos must arrange time carefully bcos it is occupied by more than 9 members. Surely cannot fit. Go pee must take queue number. Queue sure longer than zouk.
I want to notify authorities his scheme to cheat (take loan then declare bankrupt). But who do i notify? Anyone knows where kuku bird works? I only have his photo. Sorry, i am not smarter than him. I only know i must work hard and thankfully, i make some decent money when i flip industrial and residential properties a few years ago. :cheers5:
S$1.8M 2BR property & everyone squeezed in? Hmmm....... :eek:
Total rental income for 3 hdbs is likely to hit 15k - 17k as you indicated..
Too ambitious, 100,000 condos coming up over next 4 years. Who will live in HDB then?
How is yowetan kuku bird planning to declare bankrupt and yet get loan approvals?
I don't know how that will work (declare bankrupt) to realise his dream to buy Trizon. :tsk-tsk:
I hope he builds loft in Trizon. Show some pictures and i will invite BCA to go kuku bird's home for coffee. Of cos must arrange time carefully bcos it is occupied by more than 9 members. Surely cannot fit. Go pee must take queue number. Queue sure longer than zouk.
I want to notify authorities his scheme to cheat (take loan then declare bankrupt). But who do i notify? Anyone knows where kuku bird works? I only have his photo. Sorry, i am not smarter than him. I only know i must work hard and thankfully, i make some decent money when i flip industrial and residential properties a few years ago. :cheers5:
Not possible. Bank will auction his condo if he declared bankruptcy :D !
shareidiot
16-05-13, 11:59
Sorry my typo error.... i meant to say the total rental income is UNLIKELY achieveable ! :ashamed1:
As you can see all my postings in this thread, align with this statement.
Too ambitious, 100,000 condos coming up over next 4 years. Who will live in HDB then?
Sorry my typo error.... i meant to say the total rental income is UNLIKELY achieveable ! :ashamed1:
As you can see all my postings in this thread, align with this statement.
np, I think most expats given a chance will prefer to stay in condo with facilities than hdb.
For a property of 1.8mil, assume he can get loan of 70%, the downpayment is around 550K. I think both his parent and PIL HDB is fully paid. He can re-mortgage these 2 properties plus getting unsecured credit facilities. In addition, the bank will also consider his rental income from 3 HDB (he put every1 name as guarantor) as the total income. All sum up should have 15K to 17K.
Anyway, my point is that he is definitely not a kuku person. Maybe he just pretend to be Kuku by trying to get attention to fulfill his other agenda.
Also, he can do something which normal ppl cant (at least I cant)...so i think he is smarter than me...(at least less kuku than me..)
Cheers....
HDB can't be re-mortgage
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