i miss kim

84 like....near breakout liao....

ch....such a memory....i remember i used to trade this at 80+ sen~

terms and conditions apply~

if no huat of course can fill in claim form, hehe

want to trap those quant to swallow them all hehe

faster lo, 76 like d, click before too late~ first 100 participants got free book~

haha, life so boring la...suppork la pls....press like very hard meh?

semua salah papaya...who ask u vote ph? vote najib ma, at least got 4k br1m....now my dad angry liao

wait i create more id to push up

okok....hope can beat fd rate

saga raya promo only less than RM30k! SAPUUUU

6D la, ROI much better

ah haw ah, u should enter 66 sen

dun worry, this stock margin of safety got....rosmah luxury bag trading business still ongoing....that day go macc sport nice red bag bag also....

cherry, cannot like that leh, u must behave like the 90% of the water fish, newspaper say buy u buy, newspaper say sell u sell....if not how can IB huat and buy yatch? =)

not bad wor, water meter company business quite gooding =)

research shows that by following every buy/sell recommendation of IB, you perform worse off than the index fund.

adui, reit is not without risk also leh~ if guaranteed 8%+ yield then i just all in and goyang kaki until 55 =D

吃不到的葡萄是酸的

haha....sour graping

so that i can dump to you

20% revenue affected only, scare what

aiyo....keep counting money....hehe...

faster hoot lo....dun tell me when reach RM1 only u hoot

tesco tv for sale~ murah~ duit raya~

But then u know la, extrapolation... Hope that in future the stock will always one way huat... Like buffett also say he is always optimistic on the America economy

His simple extrapolation, with just 100 dollar per month into the low cost index fund, from 20 something until the time u retire, you will get at least 1m nest neg

Dave Ramsey said if you're not a millionaire by the time you retire, it's your fault.

Left 850 per month... After minus chap fan and ice water, still got money left for Sk2 makeup and yearly traveling or not? Hehe

Nice sami value, like to talk to u... Haha...

OK la, can ask her to hoot now. Buy before too late~~

Durian King Terrible tp rm50....my 42 tp at least still reasonable haha

ic sami value, hope she is better off la with car loan and house loan, if can do early settlement (i think it's a must).

if recession kicks in and she loses her job, she can well loses her butt too, being that she is stuck with depreciating car loan, and a house that she couldn't sell at at least breakeven.

I note your point that when it comes to property, and the example you gave, easily 8% rental yield. Good offer. The thing is, if recession comes (just a probabilistic scenario), can rental yield be guaranteed? If got contract, then gooding la. If not, as property market is softening, what stops these renters to go to places where it is easier on their pocket?

I can also share. I saw someone hoot a property around 2011, want to sell at at least 50% profit off his initial purchase, list it since 2013, now until 2018 he is listing the property at some 23% loss (still no ppl buy), because that area is oversaturated with empty properties.

The best part? the photo sports some furnished stuff, still wrapped in nice plastic, since 2011 until now no ppl rent, apu.....kena con by sales agent.

I haven't talk about his monthly installment paid since 2011 (even earlier i guess before the unit is ready), those mrta la insurance la as you said.

aiyo when can break RM19? already half year gone....

salary RM2.5k, house installment RM1.5k? apuuuuuu....pls don't do that.....the most i can tolerate is 25% off take home pay. You haven't told her she need cash for deco, touch up, furniture, and incoming houseowner expense like cukai pintu, home insurance

also remind her, take 30-year home loan she will kena at least 50% interest on top of borrowed principal.

this kind of advice must have assumption, one of it being that she can ensure that she is gainfully employed for the next x years. The thing about shouldering more debt is the assumption that she will have these income (and probably incrementally more in future) coming in.

Already got car debt, now want learn people sailang house?

But i like ur point 2 and 3. Yes, let her get burn in stock market, the sooner the better. In the mean time, just throw cash DCA method into the growth fund, even best if it's a global low-cost index fund.

sami value, don't ask her go deeper in debt please. Somemore property market is still softening now.

Ask her pay down her debt to zero first. especially that 7-year car loan debt. Interest alone will kill her, not just the depreciation.

in 125 out 140 tq

when the student is ready, the teacher will appear. ayoyo itu 5 year link bagui tq. kc sifu tq also

This egg kesian... I only hope eg get better customer who pays on time. Keep tapping on those customers that drag your cash flow is bad...

The talk between value and growth investing again.

Okok.... Never borrow to buy depreciating asset.

Aiyo... 25 year old learn ppl take car loan 7 years?

ur calc correct or not?

she got debt. take the debt out, i guess net work less than 10k


Sami_Value At 25 y.o with net cash on hand 35k by her own saving, she is ahead from most of her peer ( disregard those with help from family).

Very impressive actually.

i believe~

okok

aiya today pancet 2sen

market up buy, market down sell, hehe

RAYA INCOMING, HUAT ARRRRRRRRRRRRRRRRRRRRR

of course drop, charge so expensive ticket

teh money is made in the sitting, now trading~