How much is enuf?

[daBoss]

just want to know how much most of you think is JUST enough to live a comfortable life in kl...

1. if you're married, then the question relates to combined income since the income will be to support family
2. if single, then the question relates to single income

[JC]

I guess it depends largely on the commitment (i.e. bank loans) as well as FAMA bank reserve (backup nia)... :D

[piglet]

It depends on your needs and wants...

[KoChun]

Haiyah, why all answered 'depends' nia. Really so difficult to answer meh?

My answer.
1. Married, MYR10,000 per month
2. Single, MYR6,000 per month

Remember, KL standard nia.

[Alkapocino]

This thread should be interesting. It's kinda late now (1am) to engage in this sort of topic but as an entree..let's say if your Net Asset Value is more than your Liabilities you should live comfortably. Will elaborate in detail when I am more sober..yawn! :)

[Dino]

Have lost touch with that aspect of home....i am guessing only
For Single person only

1)House Payments (1.6k monthly)
2)Car (1.2k monthly)
3)Gas/Petrol (RM200)
4)Food($500)
5)Utilities($250)

Then 6k should be very comfortable...

[KoChun]

Same thinking, Dino. :)

[song cm]

Twice a week....haha.... :D

Oops, thot u were talkin abt dat...sorry....

Well...it is very dependent on two of your assets, house and car....in which individual do have a choice on what to buy.....

I guess, apart from these 2 items, RM2k should be sufficient for a single person and do add RM1k per kid. So for me it would be RM6k for 2 adults n 2 kids...House n car is another issue altogether....all dependent on what you buy and aso ur loan tenure...

[WitchKing]

Hmm,

House Loan RM1.3K
Toll RM460
Utilities RM750
Groceries RM500
Petrol RM350
Car Loan <too scary to print>
Wife not working <priceless>
2 kids <depend on whats advertised on TV>
Big Boys Toys <look at '2 kids' section>

...the rate this is going and factoring current salary, I am totally screwed in 3 years.

Bottomline, its never enuff! Never ever.

[Dino]

Hmm,

House Loan RM1.3K
Toll RM460
Utilities RM750
Groceries RM500
Petrol RM350
Car Loan <too scary to print>
Wife not working <priceless>
2 kids <depend on whats advertised on TV>
Big Boys Toys <look at '2 kids' section>

...the rate this is going and factoring current salary, I am totally screwed in 3 years.

Bottomline, its never enuff! Never ever.

Thats funny...bold items!!!

[song cm]

Hmm,

House Loan RM1.3K
Toll RM460
Utilities RM750
Groceries RM500
Petrol RM350
Car Loan <too scary to print>
Wife not working <priceless>
2 kids <depend on whats advertised on TV>
Big Boys Toys <look at '2 kids' section>

...the rate this is going and factoring current salary, I am totally screwed in 3 years.

Bottomline, its never enuff! Never ever.

Nazlan...wat car did u buy?

[clos]

*sigh* never enuf 1lah.... :(

[song cm]

honestly...I really repect husbands who can afford their wife to become housewives....

[siewjang]

That's my ambition, Song.

[Sarah]

hmmm.. to live in KL, to be able to live comfortable as in, able to rent a room in BU, drive a reasonable good car ie honda civic and have extra $$ to spend... single will have to earn around 5-6K. But bear in mind, women and men's need are different. If the woman likes to spend alot.. then 6k also not enuf. Same with men who has a materialistic gf, 6k also not enuf. But if the man and woman are both down to earth and shrewd, then 5k is more than enuf.

as for married couples, to be able to rent a house (not room) in BU, drive a Lexus (4WD) and having 1-2 children, it will be at least 10-12K (combined income).. hehe...

that is to live real comfortably!

[song cm]

That's my ambition, Song.

haha...that is Anne's ambition as well but I told her...no way Jose.....
But honestly, I believe u would be totally bored if you are not workin....somemore I think it is tough to take care of ur kids fulltime, unless they are all grown up.......

[Alkapocino]

Have lost touch with that aspect of home....i am guessing only
For Single person only

1)House Payments (1.6k monthly)
2)Car (1.2k monthly)
3)Gas/Petrol (RM200)
4)Food($500)
5)Utilities($250)

Then 6k should be very comfortable...
I think you are missing out a lot of other expenses. How about toll, cukai pintu, car maintenance, road tax, car insurance, parking fees and lots more....you think you have enough with 6 grand now!!! :D

[song cm]

hmmm.. to live in KL, to be able to live comfortable as in, able to rent a room in BU, drive a reasonable good car ie honda civic and have extra $$ to spend... single will have to earn around 5-6K. But bear in mind, women and men's need are different. If the woman likes to spend alot.. then 6k also not enuf. Same with men who has a materialistic gf, 6k also not enuf. But if the man and woman are both down to earth and shrewd, then 5k is more than enuf.

as for married couples, to be able to rent a house (not room) in BU, drive a Lexus (4WD) and having 1-2 children, it will be at least 10-12K (combined income).. hehe...

that is to live real comfortably!

rent a hse n drive a lexus....hmm, is dat the right priority?
I thot it should be buy a hse and drive a reasonable Jap car.....

[song cm]

I think you are missing out a lot of other expenses. How about toll, cukai pintu, car maintenance, road tax, car insurance, parking fees and lots more....you think you have enough with 6 grand now!!! :D

hey...don forget health insurance as well...dat really costs a bomb...

[Dino]

I think you are missing out a lot of other expenses. How about toll, cukai pintu, car maintenance, road tax, car insurance, parking fees and lots more....you think you have enough with 6 grand now!!! :D

Lost touch with that part already laaa Alk....but true....i did not factor in those things....:o

[Alkapocino]

honestly...I really repect husbands who can afford their wife to become housewives....
That is possibly the easiest one. Housewives don't need to drive to work (you save $$$ on petrols), no need too much ICI (another $$$$avings), no need office attire ($$$$avings), no need to travel so much ($$$$avings), many more....easy lah. But if your wive (housewive) got mahjung kaki, you better watch out hor....20K per month might not be enough though. :D

[Sarah]

honestly...I really repect husbands who can afford their wife to become housewives....

For husbands to do that, husbands must earn at least a 5 figure income, baru boleh..

Give u an example. My uncle and aunt, both UM graduate. After graduating, uncle went for pilot training. Aunt became system analyst. Aunt worked for 4 years before giving birth. Uncle then kept being promoted as there is a great advantage in becoming a pilot with a degree. Plus he's smart.
So now, aunt and uncle has 3 children, aunt stopped working for many years already, both owns some shop lots and a condo in Subang. Living comfortable well.. but they only own a car (proton wira) from then until now.

My point is, both my uncle and aunt, came from a very poor family. No inheritance, no nothing. Yet, they worked it out themselves and became successful. All becuz of that book which I've mentioned before in some thread.. "Your money or your life" by Joe Dominguez.

Speaking of that.. pilot is a great job, put aside the risk.. hehe :)

[Sarah]

That is possibly the easiest one. Housewives don't need to drive to work (you save $$$ on petrols), no need too much ICI (another $$$$avings), no need office attire ($$$$avings), no need to travel so much ($$$$avings), many more....easy lah. But if your wive (housewive) got mahjung kaki, you better watch out hor....20K per month might not be enough though. :D

That's true, when your wife is low maintenance when being a housewife.. it's very much easier than having a working wife who spends every single cent.. :)

[Alkapocino]

hey...don forget health insurance as well...dat really costs a bomb...
This one is not a must but an option when you able to earn more. What we are talking about are those things we can't avoid paying. Yup, if you include that (health insurane) as well....alamak, we need 2-3 jobs lah!!! :D

[song cm]

Honestly...our dem money is jus too small....after hse and car installments...not much left lor....

Hey, migration is one possibility....look at Dino, dem Corrolla (Altis) over there only costs him USD16k...jus a few months salary....here an altis will costs u 2 yrs salary....gross that is... :(

[Dino]

Honestly...our dem money is jus too small....after hse and car installments...not much left lor....

Hey, migration is one possibility....look at Dino, dem Corrolla (Altis) over there only costs him USD16k...jus a few months salary....here an altis will costs u 2 yrs salary....gross that is... :(

Yup....ringgit is too small... :(
Thats the same argument when my mom ask me not to come to the US.

[Alkapocino]

Honestly...our dem money is jus too small....after hse and car installments...not much left lor....

Hey, migration is one possibility....look at Dino, dem Corrolla (Altis) over there only costs him USD16k...jus a few months salary....here an altis will costs u 2 yrs salary....gross that is... :(
Unless and until you migrate and earn the USD's and bank in 50% of your salary to my M'sia A/C then you can retire after 10 yrs when you came back to KL. You worked 10 yrs in the USA and we had to slouch 40 yrs (no change in currency rate) here. Keen to try it out? :D

[Dino]

Unless and until you migrate and earn the USD's and bank in 50% of your salary to my M'sia A/C then you can retire after 10 yrs when you came back to KL. You worked 10 yrs in the USA and we had to slouch 40 yrs (no change in currency rate) here. Keen to try it out? :D

Not sure if you heard of US 401k...but if you just contribute 6% of your income and wait 30 years...you could easily make USD$500k for your retirement. Of course...if you contribute more(higher salary)....USD1mill is a possibility

[Alkapocino]

Not sure if you heard of US 401k...but if you just contribute 6% of your income and wait 30 years...you could easily make USD$500k for your retirement. Of course...if you contribute more(higher salary)....USD1mill is a possibility
Rule 72 says your capital will double in three years if your annual return is 24%(not necessarily 3 yrs depending on your annual return rate).

Yup, possible why not. I am a firm believer. :)

[WitchKing]

haha...that is Anne's ambition as well but I told her...no way Jose.....
But honestly, I believe u would be totally bored if you are not workin....somemore I think it is tough to take care of ur kids fulltime, unless they are all grown up.......

The missus stopped work after delivering the second one. Initially as u said, boring for her but later sez it gives her the satisfaction of seeing the child grow up, she kinda missed the eldest's growing years. So now she's set on it.

Of course without 2nd income,you have adjust accordingly lah.Microsoft Money is now my best friend :D

[Diong_Gar_Loon]

The missus stopped work after delivering the second one. Initially as u said, boring for her but later sez it gives her the satisfaction of seeing the child grow up, she kinda missed the eldest's growing years. So now she's set on it.

Of course without 2nd income,you have adjust accordingly lah.Microsoft Money is now my best friend :D
The moral of ths story: It will never be enough. So don't focus on saving. Focus on making money.

[Voon Chan]

The moral of ths story: It will never be enough. So don't focus on saving. Focus on making money.
I think we need to focus on both saving & earning. The more you earn the more expectation or things that we would like to have. Upgrading our life with better food, holidays & etc. Almost impossible to say the magi word "Enough"

[Diong_Gar_Loon]

I think we need to focus on both saving & earning. The more you earn the more expectation or things that we would like to have. Upgrading our life with better food, holidays & etc. Almost impossible to say the magi word "Enough"
Agree but the primary objective would be to earn don't you agree. I believe we have heard alot of advise from our older generations saying that the key to become rich is through savings and buying rubber estate lands and other forms of investment. However, with most people income today, you can hardly buy any estate land. Buying a house itself is already so much of a burden. Saving becomes secondary when you have earn the money. Of course, we have to control our desires in spending more money with a higher income but that too is also difficult.

[Voon Chan]

Agree but the primary objective would be to earn don't you agree. I believe we have heard alot of advise from our older generations saying that the key to become rich is through savings and buying rubber estate lands and other forms of investment. However, with most people income today, you can hardly buy any estate land. Buying a house itself is already so much of a burden. Saving becomes secondary when you have earn the money. Of course, we have to control our desires in spending more money with a higher income but that too is also difficult.What you have said is true. A lot of people are just talking about earning a living, ie just enough for their monthly need. Some people can't meet their monthly need also.

[LiLiaN]

wow, didn't realise living expenses in the city is so scary....! :eek:

[JC]

Don't come back Lilian.. Go earn euro or GBP... :D

[song cm]

What you have said is true. A lot of people are just talking about earning a living, ie just enough for their monthly need. Some people can't meet their monthly need also.

sayin all these, no doubt, money is never enaf...it is how you manage and make the best out of it....
aso, do remember dat money is not everything as health and quality of life are aso very important but money does help in these 2 areas as well....

[Voon Chan]

sayin all these, no doubt, money is never enaf...it is how you manage and make the best out of it....
aso, do remember dat money is not everything as health and quality of life are aso very important but money does help in these 2 areas as well....Yes my friend. Money can also improve a person health & quality of life. Some extra money can make you happy too.

[LiLiaN]

Don't come back Lilian.. Go earn euro or GBP... :D
good advice... i think i'll stick to earning euro.... :rolleyes:

[LiLiaN]

Yes my friend. Money can also improve a person health & quality of life. Some extra money can make you happy too.
my aunt definitely use money to improve her health and quality of life... she and her husband (they have no kids) eats organic, always enjoy the best, and shop for top quality stuffs...

then again, they're lucky no mortgage (house fully owned), no car loan and have great income... (i lagi lucky, get to tumpang the luxury occasionally because i'm her husband's favourite niece! :D)

[KoChun]

good advice... i think i'll stick to earning euro.... :rolleyes:

Euro keeps getting stronger against the USD (MYR eventually). Earn more Euro!!!

[daBoss]

dalady and myself - kais pagi makan pagi, kais petang, makan petang... every month, ngam ngam ho... anything out of the ordinary, tak cukup...

thinking of changing cars for so long oreidi... dun dare to proceed - still driving 9 year old proton wira...

it's a tough life with 2 kids in kl...

[song cm]

dalady and myself - kais pagi makan pagi, kais petang, makan petang... every month, ngam ngam ho... anything out of the ordinary, tak cukup...

thinking of changing cars for so long oreidi... dun dare to proceed - still driving 9 year old proton wira...

it's a tough life with 2 kids in kl...

move to Penang lor.... :D

[LiLiaN]

wow, budgeting for monthly expenses must have been tough...
and here i am, thinking it's tough living in one of the most expensive cities in the world...
my student grant is covering me nicely every month i have to say...
but of course i don't have responsibility of mortgage, car loans, childcare...
i only have my study loan and that's plenty of worry on its own...

kochun, can't earn more euro for now even if i want to...
my stupid grant is frozen type - so same salary for 3 years!!!!
doesn't even go with the inflation... budgeting will get tougher and tougher... :(

[song cm]

wow, budgeting for monthly expenses must have been tough...
and here i am, thinking it's tough living in one of the most expensive cities in the world...
my student grant is covering me nicely every month i have to say...
but of course i don't have responsibility of mortgage, car loans, childcare...
i only have my study loan and that's plenty of worry on its own...

kochun, can't earn more euro for now even if i want to...
my stupid grant is frozen type - so same salary for 3 years!!!!
doesn't even go with the inflation... budgeting will get tougher and tougher... :(

hey...how much is ur grant? During my time, we are suppose to survive on GBP265 per month..... :(

[LiLiaN]

hey...how much is ur grant? During my time, we are suppose to survive on GBP265 per month..... :(
hmm... my grant is better than that.... :D a little over 1K euro per month tax free...
BUT rent alone per month is nearly half that... so not funny.... :mad:

[Robin Kok CH]

money not enough....

[song cm]

hmm... my grant is better than that.... :D a little over 1K euro per month tax free...
BUT rent alone per month is nearly half that... so not funny.... :mad:

then move to a cheaper place lor.... :p

[LiLiaN]

then move to a cheaper place lor.... :p
nothing cheap and decent near the city....

outside, cheap places are not worth it... they're about 1 hour (or more) commute to get into uni (which is right in the very center of the city) plus the cost of travelling also... and even then, most of those areas are not deemed safe... gangland problems... people get shot for mobile phone robbery!

i'd rather pay and be safe and sound and knowing that i can sleep at night without worrying people breaking in.... just don't go out too often so won't spend much...

[song cm]

nothing cheap and decent near the city....

outside, cheap places are not worth it... they're about 1 hour (or more) commute to get into uni (which is right in the very center of the city) plus the cost of travelling also... and even then, most of those areas are not deemed safe... gangland problems... people get shot for mobile phone robbery!

i'd rather pay and be safe and sound and knowing that i can sleep at night without worrying people breaking in.... just don't go out too often so won't spend much...
well, if it is for safety and convinience reason...then it is worth it.... :)

[Roland_Tang]

Having read through the postings in this thread, I get the notion that money is never enough. Oh, how true it can be.

But, I'd like to re-iterate what I mentioned before (in other threads), contentment in what you have is the key. You may not be earning big bucks, but living comfortably, where you're secure is enough (at least, for me).

You see, you can make yourself a slave of money when all you think of is just earning extra bucks (under conditions like working extra hours, sacrificing your social life and friends, family).

It's important to be wise stewards of our finances. No doubt, money is never enough, but when you know how to live within your means, you will never face lack.

[LiLiaN]

well, if it is for safety and convinience reason...then it is worth it.... :)
that's right... it may reduces my saving, but i'm happy enough with it...
(now only need to consult alka how to plan for future... where is he...?)

[buff]

Having read through the postings in this thread, I get the notion that money is never enough. Oh, how true it can be.

But, I'd like to re-iterate what I mentioned before (in other threads), contentment in what you have is the key. You may not be earning big bucks, but living comfortably, where you're secure is enough (at least, for me).

You see, you can make yourself a slave of money when all you think of is just earning extra bucks (under conditions like working extra hours, sacrificing your social life and friends, family).

It's important to be wise stewards of our finances. No doubt, money is never enough, but when you know how to live within your means, you will never face lack.

agree 100%... need to be contented. but problem with human beings is that we are never.

i remember those days in college when i swore that i'd be happy if i could afford to eat kfc or 'ta kei' everyday.... well, i think i can now, but i still don't have money left every month! :(

[KoChun]

agree 100%... need to be contented. but problem with human beings is that we are never.

i remember those days in college when i swore that i'd be happy if i could afford to eat kfc or 'ta kei' everyday.... well, i think i can now, but i still don't have money left every month! :(

:eek: ???

[WitchKing]

Asked a fren at work the question, he gave me an interesting answer
"too much is just enuff ;)"

[daBoss]

agree 100%... need to be contented. but problem with human beings is that we are never.

i remember those days in college when i swore that i'd be happy if i could afford to eat kfc or 'ta kei' everyday.... well, i think i can now, but i still don't have money left every month! :(

hahaha... those were good ol' days ah? thinking back we enjoyed ourselves so much with so little money - rm200 per month was it? studying in kl some more... :D

but then again, i wouldn't want to relive those moments even though we had fun...

[buff]

hahaha... those were good ol' days ah? thinking back we enjoyed ourselves so much with so little money - rm200 per month was it? studying in kl some more... :D

but then again, i wouldn't want to relive those moments even though we had fun...

life back then was not too bad, wat? ta-kei, buffet and no worries... :)

only thing was the hell-hole they forced us to stay in. :mad:

[song cm]

life back then was not too bad, wat? ta-kei, buffet and no worries... :)

only thing was the hell-hole they forced us to stay in. :mad:

Buff....u talkin abt the car park turn into dorms in taman shamelin perkasa?

hey...those place bring back fond memories... :D

[daBoss]

dun remind me... dun remind me... :D

back to topic please... or create a new thread...

[KongMing]

dalady and myself - kais pagi makan pagi, kais petang, makan petang... every month, ngam ngam ho... anything out of the ordinary, tak cukup...

thinking of changing cars for so long oreidi... dun dare to proceed - still driving 9 year old proton wira...

it's a tough life with 2 kids in kl...

come to xinjiapo and have some accelerated savings for a few years provided you can live without a car hehe..

[euj]

so sure true guys. the day i felt the richest was when i got AUD600 for 2 weeks of work as a motorbike courier. when i was in uni my ambition was to get $3000 a month. now, even more than that is not enough.

[LiLiaN]

dun remind me... dun remind me... :D

back to topic please... or create a new thread...
ok boss, back to topic....

now, for someone single, who lives in kl on rental accomodation, possibly sharing with friends or someone, and no mortgage to worry over... will earning less than RM6K per month be enough...? for comfortable living i mean.... i.e. can afford occasional big night out and classy restaurant dinner...

[song cm]

ok boss, back to topic....

now, for someone single, who lives in kl on rental accomodation, possibly sharing with friends or someone, and no mortgage to worry over... will earning less than RM6K per month be enough...? for comfortable living i mean.... i.e. can afford occasional big night out and classy restaurant dinner...

No housing loan? Then possibly enaf but wat abt cars? becoz luxury cars can be even more expensive than houses in KL...... :(

[LiLiaN]

No housing loan? Then possibly enaf but wat abt cars? becoz luxury cars can be even more expensive than houses in KL...... :(
what car? i'll be using public transport... most likely can't afford the petrol, plus road tax, also parking, servicing...

[song cm]

what car? i'll be using public transport... most likely can't afford the petrol, plus road tax, also parking, servicing...
in UK, public transport is ok, but not in KL. U definitely need one if u r back here....but of course now we do have reasonable priced alternatives to Proton...esp those Korean ones...

[TingMS]

ok boss, back to topic....

now, for someone single, who lives in kl on rental accomodation, possibly sharing with friends or someone, and no mortgage to worry over... will earning less than RM6K per month be enough...? for comfortable living i mean.... i.e. can afford occasional big night out and classy restaurant dinner...

Land of Jays and Bees,

Young Couple with a kid...

Minimum combined income of RM10,000.00

:D

[Roland_Tang]

so sure true guys. the day i felt the richest was when i got AUD600 for 2 weeks of work as a motorbike courier. when i was in uni my ambition was to get $3000 a month. now, even more than that is not enough.

People who start working, getting their first month's salary surely feel like they're rich, because it's like the first time you're earning big money for your own.

Once you see the world and the pressure that comes with it, and begin to follow the trend, everything becomes a race of gaining, and what diffentiates people from the others is through the possession they have.

Oh, sometimes it's sad to see comparisons made this way. Money sets people apart.

If you ask me, if enough money changes me to become a selfish person, not caring, and stepping others down so that I may gain more, I'd rather not have that, and be some one who is always thankful for what I have right now. I would never want to regret any decisions.

[daBoss]

i do have to say that the more you earn, the more things you want to buy... so end up being poor.

for dalady and myself, we spend way too much on insurance (i can almost feel alka nodding his head :))...

[Alkapocino]

i do have to say that the more you earn, the more things you want to buy... so end up being poor.

for dalady and myself, we spend way too much on insurance (i can almost feel alka nodding his head :))...
Nod nod nod. When are you gonna invite me to your lovely house for dinner? Pure salad or Cintan Mee (with mata kerbau) is fine with me.

[KoChun]

Alka, don't you want to try daLady's numero uno nasi lemak, as advertised by daBoss earlier?

[TingMS]

Nod nod nod. When are you gonna invite me to your lovely house for dinner? Pure salad or Cintan Mee (with mata kerbau) is fine with me.

alk, where got mata kerbau.... mata lembu lar....

Very true daboss, the more we earn the greater temptation to spend more.

In many scenarios, society pressure also plays a great role. You can;t expect a taukeh driving a S320 eating at a hawker center or staying in a terrace house. Later the suppliers, the bankers will start queuing at the door chasing for payment... heheheee

[song cm]

i do have to say that the more you earn, the more things you want to buy... so end up being poor.

for dalady and myself, we spend way too much on insurance (i can almost feel alka nodding his head :))...

You are absolutely right....the more u earn, the more u spend, u buy bigger house, bigger cars , go for better hols....so in a way, it is never enough.... :D

Moral behind this is make the best of what you earn and spend wisely. Whatever it is, most of us are earnin more than our parents and if they manage to provide well for us...surely we can do better for our kids as well....

[song cm]

alk, where got mata kerbau.... mata lembu lar....

Very true daboss, the more we earn the greater temptation to spend more.

In many scenarios, society pressure also plays a great role. You can;t expect a taukeh driving a S320 eating at a hawker center or staying in a terrace house. Later the suppliers, the bankers will start queuing at the door chasing for payment... heheheee

Ghostie....talkin abt your self isit??...

[LiLiaN]

reading this makes me realise life after academics, in the real world, can be pretty scary.... maybe i should take a course in financial planning..... :confused:

[Sarah]

sometimes ar.... for women quite easy... marry a reasonable rich man will do... hehe... die laa, I say this sure kena sapu wan... see laa..

[Sarah]

You are absolutely right....the more u earn, the more u spend, u buy bigger house, bigger cars , go for better hols....so in a way, it is never enough.... :D

Moral behind this is make the best of what you earn and spend wisely. Whatever it is, most of us are earnin more than our parents and if they manage to provide well for us...surely we can do better for our kids as well....

That's exactly what the book says.. ppl, please go get the book and read... you spend more when you earn more,not becuz you have the money, but because of how much energy and effort you used up to work, therefore you wanna "pamper" yourself in a way... thinking that, "I've worked hard and I do deserve something"... this is a very wrong thinking. If you wanna save money... you should be aware and conscious of what you buy...

[euj]

to use a cliche, life is short and you're only young for a while. i did that saving thing when i was out of uni, but now i've decided to enjoy myself because i'm only young for a while more and you just never know when the fat lady's going to sing for you. having said that, i'm probably going to start saving again soon. :)

[Sarah]

Life is short is just an excuse bah... you have to be practical when it comes to money.. :)

[LiLiaN]

i also believe in "deserve to be pampered for hard work" line of thoughts... afterall, if working too hard and saving too much means you're depriving yourself from enjoying what you'd love to do, then i think it's not worth it... but obviously, like everything in this world, moderation is the key... so nowadays i adopt the habit of saving some, spending some, but never deprive myself of my favourite stuffs like travelling and reading... ;)

[euj]

i also believe in "deserve to be pampered for hard work" line of thoughts... afterall, if working too hard and saving too much means you're depriving yourself from enjoying what you'd love to do, then i think it's not worth it... but obviously, like everything in this world, moderation is the key... so nowadays i adopt the habit of saving some, spending some, but never deprive myself of my favourite stuffs like travelling and reading... ;)
agreed. hey, there's a thought. you could the MEB candidates what their hobbies are. :)

[LiLiaN]

agreed. hey, there's a thought. you could the MEB candidates what their hobbies are. :)
thanks for the suggestion.... and now i suggest we go back to the thread topic...
what is living expenses like in australia..?

[euj]

thanks for the suggestion.... and now i suggest we go back to the thread topic...
what is living expenses like in australia..?
haha...so sensible... :)
depends where you live.
in perth, where i live, renting is relatively cheap, eating out is not that cheap.
in melbourne, renting is more expensive, eating out is cheaper and better than perth.
in sydney, renting is the most expensive, food is also expensive.
i guess, the good thing about australia is that it's such a lovely country that you don't really need much money to live as long as you don't mind missing out on overseas holiday and branded stuff. there's a lot of out-doorsy stuff you can do like surfing, bush walking, rock climbing, picnics and all that.
what about where you are?

[LiLiaN]

haha...so sensible... :)
depends where you live.
in perth, where i live, renting is relatively cheap, eating out is not that cheap.
in melbourne, renting is more expensive, eating out is cheaper and better than perth.
in sydney, renting is the most expensive, food is also expensive.
i guess, the good thing about australia is that it's such a lovely country that you don't really need much money to live as long as you don't mind missing out on overseas holiday and branded stuff. there's a lot of out-doorsy stuff you can do like surfing, bush walking, rock climbing, picnics and all that.
what about where you are?
earlier in this thread, already mentioned rent in dublin (where i am now living) is very high, plus dublin is one of the most expensive city to live in europe... but luckily with EU expansion, costs for travelling have been reduced and the open market competition makes it great as there are always cheap no-frill flights and holiday packages, plus the strong euro currency currently, things are seemingly cheaper elsewhere so we don't feel the ouch in travelling and purchasing abroad... i do a good bit of travelling, but tend to stay with friends so that's reduced cost again... :)

[piglet]

i also believe in "deserve to be pampered for hard work" line of thoughts... afterall, if working too hard and saving too much means you're depriving yourself from enjoying what you'd love to do, then i think it's not worth it... but obviously, like everything in this world, moderation is the key... so nowadays i adopt the habit of saving some, spending some, but never deprive myself of my favourite stuffs like travelling and reading... ;)

Life is too short .... spend wisely...

[LiLiaN]

Life is too short .... spend wisely...
i think it's wise spending on travel and books... source of experience and knowledge.... :)

[daBoss]

i think it's wise spending on travel and books... source of experience and knowledge.... :)

it's only wise if you have enuf to spend. i guess a lot of people have just enuf to survive - not that they dun have enuf to eat - just enuf for commitments. :(

[LiLiaN]

it's only wise if you have enuf to spend. i guess a lot of people have just enuf to survive - not that they dun have enuf to eat - just enuf for commitments. :(
i supposed i'm lucky there's no major commitments on my part except to myself and my tuition loan.... so apart from loan repayment, i budget for my day-to-day expenses and i save some to spend for leisure... i don't have too much expenditure (lucky me not big into shopping either) otherwise...

[daBoss]

...tuition loan

you've mentioned tuition loan a couple of times. you're doing your phd and the research goes to the project - shouldn't they pay you - e.g. give you a grant or something like that?

if i remember correctly, most of my uni mates who stayed back to do their phds actually got paid/grants - not only they didn't have to pay any tuition, they even have living expenses covered...

[LiLiaN]

you've mentioned tuition loan a couple of times. you're doing your phd and the research goes to the project - shouldn't they pay you - e.g. give you a grant or something like that?

if i remember correctly, most of my uni mates who stayed back to do their phds actually got paid/grants - not only they didn't have to pay any tuition, they even have living expenses covered...
oh, i do get grants for my PhD - fees paid by lab plus salary.... the loan is for my undergrad study - 4 years on international student fees, will bankrupt my mum and my stepfather lar! so mah take responsibility for it myself, better also, really appreciate what i have earned so far in terms of achievement...

[daBoss]

wow! you took a loan for 4 years study in the uk? now not your fama bankrupt - you bankrupt :D

how many years do you hae to pay back? government or commercial loan?

[LiLiaN]

wow! you took a loan for 4 years study in the uk? now not your fama bankrupt - you bankrupt :D

how many years do you hae to pay back? government or commercial loan?
not so bad lar.... loan from aunties and uncles who live here in ireland... interest free, steady instalment....aim to finish in 3-4 years, so working hard on it at the moment... (also henceby why the occassional interest in lotto when there's big jackpot - can repay at one go! hehehe...)

downside, severe cutdown on my travelling activity... any sponsor? :D

[daBoss]

not so bad lar.... loan from aunties and uncles who live here in ireland... interest free, steady instalment....aim to finish in 3-4 years, so working hard on it at the moment... (also henceby why the occassional interest in lotto when there's big jackpot - can repay at one go! hehehe...)

downside, severe cutdown on my travelling activity... any sponsor? :D

ah, like that can treat as no need to pay lah... just pretend to be broke every month :D just joking... but no pressure lah...

i volunteer to sponsor you... from sitiawan to lumut - bus fare (rm 2.00). from lumut to pangor - ferry fare (rm 5.00). i put in another rm 3.00 for your lunch.

so claim your rm 10.00 the next time you come back to malaysia :D

[LiLiaN]

ah, like that can treat as no need to pay lah... just pretend to be broke every month :D just joking... but no pressure lah...

i volunteer to sponsor you... from sitiawan to lumut - bus fare (rm 2.00). from lumut to pangor - ferry fare (rm 5.00). i put in another rm 3.00 for your lunch.

so claim your rm 10.00 the next time you come back to malaysia :D
neh... i have been repaying faithfully so far, macam paying mortgage but i got no house to show off at the end... sigh....

ok, i put in my diary to claim for my trip to lumut... can i claim double for the return portion...? :p

[piglet]

it's never enuf....unless...
there's no more new gadgets coming up..
fashion(clothes, handbags, shoes) never change...
there's no need to upgrade your computer...

[Dino]

it's never enuf....unless...
there's no more new gadgets coming up..
fashion(clothes, handbags, shoes) never change...
there's no need to upgrade your computer...

Hehehhe....this one i totally agree. If all stuff in the world just sit still for say 10 years..then it should be ok!!

[ausman]

neh... i have been repaying faithfully so far, macam paying mortgage but i got no house to show off at the end... sigh....

ok, i put in my diary to claim for my trip to lumut... can i claim double for the return portion...? :p

Cukup ke? :eek:

[Fulat]

agree 100%... need to be contented. but problem with human beings is that we are never.

i remember those days in college when i swore that i'd be happy if i could afford to eat kfc or 'ta kei' everyday.... well, i think i can now, but i still don't have money left every month! :(

Buff, u dont bull lah. Money cannot count finished.

[Fulat]

neh... i have been repaying faithfully so far, macam paying mortgage but i got no house to show off at the end... sigh....

ok, i put in my diary to claim for my trip to lumut... can i claim double for the return portion...? :p

You are paying in advance for your future. So, with this investment which you have put in, you will see returns soon. Even in business, it is the same. Mgnt look at 2 things, ROI & TCO to determine if they have invested correctly or if they have purchased wisely.

daBoss also talk cock in this forum. He is raking in his returns from the time and effort he has spend preparing for the real world. Buff and warhammer is another example. All pretending to be tight so that they dont attract attention. Kidnapping case is now so rampant. If you know what I mean.

[EDITED]

But, my advice is to start working as early as you can. Studying forever won't make you rich. With all the knowledge but without applying it means nothing.

So, who is going to sponsor my trip to Sitiawan for CNY ah??

[ausman]

But, my advice is to start working as early as you can. Studying forever won't make you rich. With all the knowledge but without applying it means nothing.

So, who is going to sponsor my trip to Sitiawan for CNY ah??
get da boss to sponsor... eh.. come to think of it... u r damn loaded and still beg... chiss...


Lilian... I agree with Fulat's advice... it a fact....studying will never make u rich.

[LiLiaN]

well, i'm not just studying.. it's working too, just that i'm pursuing a qualification that will jump start my earning 3-4 folds once i complete it (hopefully!)... :)

so it may be a little slow right now, but the prospect looks good... my family wished that i would be more interested in business where the ROI is great in their opinion.. but i don't see myself as someone with sharp business acument... i am not predatorial enough... i should be, but i'm not...

[Sarah]

Hm.... don't worry lilian, there's definitely a greater advantage for doing PhD now. You are NOT missing out anything now as your years ahead will be secured and you will earn back everything that you loaned. To have a degree is ALWAYS better than none, especially when you are able to study. Ppl will never know if they will earn big bucks even if they start working early, and without an appropriate degree. It's only so far you can go with a normal qualification especially in an environment where qualifications are highly regarded.

Also, it's proud to have Sitiawanist having more and more doctors/professors now :) :D

[buff]

Lilian... I agree with Fulat's advice... it a fact....studying will never make u rich.

well, i half-agree with fulat and ausman.... u'll only get rich studying if u r like really, really smart,... always top 1% of the class etc. average joes and janes like us (apologies to any geniuses among us, not referring to u - u know who u r :D ) will never make it via this route....

the class toppers can get easily get USD100k FIRST job with the investment banks.... but we're talking abt creme de la creme here... these people can retire at 35-40 yrs old and are the ones driving the ferraris and porsches (u'll never find cinapek businessmen driving these).... but they really slog and most get burnt out and open restaurants or hotels...

but then life is not abt making money... we come empty handed and we go empty handed... enjoy every moment of life, whatever u r doing...

[Sarah]

However, it is tough when it comes to financial. it's ALWAYS an issue! It's a bit of a burden to have to pay back 4-year loan for studies, especially in the UK!! that's like at least RM300K?? But I'm sure you will earn it back :) It wouldnt matter if your degree is far more important than the money...

For undergrad, definitely cheapest would be local Uni laa.. but many ppl seem to not have good impression on it. If your English is fine, you shouldnt need to worry about anything. You can still continue your studies with a degree earned at local uni and then do masters/PhD elsewhere...

[Sarah]

You are right Buff, only smart ppl can make it without even needing any higher qualifications. Ppl like me also, normal ppl...cannot laa...

[Voon Chan]

So, who is going to sponsor my trip to Sitiawan for CNY ah??I always thought you are the richest member of this forum, you need sponsor? :confused: I think you should start sponsoring some people.

[LiLiaN]

However, it is tough when it comes to financial. it's ALWAYS an issue! It's a bit of a burden to have to pay back 4-year loan for studies, especially in the UK!! that's like at least RM300K?? But I'm sure you will earn it back :) It wouldnt matter if your degree is far more important than the money...

For undergrad, definitely cheapest would be local Uni laa.. but many ppl seem to not have good impression on it. If your English is fine, you shouldnt need to worry about anything. You can still continue your studies with a degree earned at local uni and then do masters/PhD elsewhere...
i agree it's tough paying back the loan... and yes, that's about nearly how much i have to repay... but it's doable, i'm aiming to finish repayment in 3-4 years...

[ahbau]

i took a loan when i was in uni also. faxed them a few years ago to enquire how to repay back but didn't receive any reply. that's how efficient they are. so until today still outstanding.

[LiLiaN]

i took a loan when i was in uni also. faxed them a few years ago to enquire how to repay back but didn't receive any reply. that's how efficient they are. so until today still outstanding.
like this also can...? where did you get the loan...? i also want some banker like this leh... no need to repay, but are you not worried about the interest..?

[euj]

very strange. i don't know of a single bank in australia which is like that...

[KoChun]

like this also can...? where did you get the loan...? i also want some banker like this leh... no need to repay, but are you not worried about the interest..?

Wow, I want to re-finance, Ah Bau. Tell me more tonight in Tmn Megah. Asuman is not coming, who else is coming?

[ahbau]

the loan was not from a bank. it was from the uni where i studied. you don't expect such thing from any bank right? it would have chap-lap long time ago.

kochun, confirm tonight is captain and myself. still looking for others...

[KoChun]

the loan was not from a bank. it was from the uni where i studied. you don't expect such thing from any bank right? it would have chap-lap long time ago.

kochun, confirm tonight is captain and myself. still looking for others...

How about Alka? Teck 50% coming. Not enuf kaki lah. Nevermind, play with neighbour, Singh.

[LiLiaN]

How about Alka? Teck 50% coming. Not enuf kaki lah. Nevermind, play with neighbour, Singh.
play mahjong ke...?

[Fulat]

well, i half-agree with fulat and ausman.... u'll only get rich studying if u r like really, really smart,... always top 1% of the class etc. average joes and janes like us (apologies to any geniuses among us, not referring to u - u know who u r :D ) will never make it via this route....

the class toppers can get easily get USD100k FIRST job with the investment banks.... but we're talking abt creme de la creme here... these people can retire at 35-40 yrs old and are the ones driving the ferraris and porsches (u'll never find cinapek businessmen driving these).... but they really slog and most get burnt out and open restaurants or hotels...

but then life is not abt making money... we come empty handed and we go empty handed... enjoy every moment of life, whatever u r doing...

Buff is one of the 1%. That's why he got big car and big house.

[KoChun]

play mahjong ke...?

Why? You wanna join us?

Badminton lah, friend. :)

Okay, we are runnig away from the topic. Let's come back.

[LiLiaN]

Why? You wanna join us?

Badminton lah, friend. :)

Okay, we are runnig away from the topic. Let's come back.
dunno how to play mahjong, too long haven't play badminton...
back to the topic, lucky all these people in top 1%...
do you think i'll be able to work my way in... or is it intrinsic thing - sort of you either have it or don't...

[Fulat]

Why? You wanna join us?

Badminton lah, friend. :)

Okay, we are runnig away from the topic. Let's come back.

Got players or not today? Maybe I come join if not tired from the previous game?

[KoChun]

Got players or not today? Maybe I come join if not tired from the previous game?

Most probably not enuf. Do join us, Fulat and AisKacang.

[Fulat]

dunno how to play mahjong, too long haven't play badminton...
back to the topic, lucky all these people in top 1%...
do you think i'll be able to work my way in... or is it intrinsic thing - sort of you either have it or don't...

You dont have to be the top 1% to make your millions. Bill Gates didnt even finsh uni and he is one of the riches man in the world.

One of the riches guy from my year was busy fighting in school instead of studying. He now owns his own contracting firms for the construction industry. I think he also millionaire at 30 yo. Build from scratch.

If there is a will, there is a way. If you do deskbound jobs and not customer facing jobs or revenue driven jobs, the prospect of earning money is much lower. But end of the day, it is not how much you want to earn but what job gives you the satisfaction.

For woman always got short cut to riches and fame. Marry a man who already has that and you shall inherit riches and fame immediately.

[LiLiaN]

You dont have to be the top 1% to make your millions. Bill Gates didnt even finsh uni and he is one of the riches man in the world.

One of the riches guy from my year was busy fighting in school instead of studying. He now owns his own contracting firms for the construction industry. I think he also millionaire at 30 yo. Build from scratch.

If there is a will, there is a way. If you do deskbound jobs and not customer facing jobs or revenue driven jobs, the prospect of earning money is much lower. But end of the day, it is not how much you want to earn but what job gives you the satisfaction.

For woman always got short cut to riches and fame. Marry a man who already has that and you shall inherit riches and fame immediately.
people got business acumen - i sadly lacking one... sigh....

as for marrying rich - not my kind of thing... i prefer to build my own success... it may be hard work, but the sense of satisfaction is greater... i've come too far to just throw in the towel and take the easy way out...

[song cm]

people got business acumen - i sadly lacking one... sigh....

as for marrying rich - not my kind of thing... i prefer to build my own success... it may be hard work, but the sense of satisfaction is greater... i've come too far to just throw in the towel and take the easy way out...

Lilian,

Well said....but I guess if everything being equal, u wouldn't mind marrying the richer one. But sayin dat, nothin is equal....

But honestly, the first few years is tough...esp when u need to buy a house and a car.....but that would make u appreciate the bond between the spouses more...

[euj]

Lilian,

Well said....but I guess if everything being equal, u wouldn't mind marrying the richer one. But sayin dat, nothin is equal....

But honestly, the first few years is tough...esp when u need to buy a house and a car.....but that would make u appreciate the bond between the spouses more...
yup, money is probably one of the things couples argue about the most...

[daBoss]

yup, money is probably one of the things couples argue about the most...

correction... "lack of money" is probably one of the things couples argue about the most...

[euj]

correction... "lack of money" is probably one of the things couples argue about the most...
haha...true, or probably more like 'allocation of money'. men and women often have such different views on money...

[Fulat]

yup, money is probably one of the things couples argue about the most...

Ya, especially if they man uses his hard earn money to feed some PRC! hahaha

[euj]

Ya, especially if they man uses his hard earn money to feed some PRC! hahaha
what's PRC? Peoples' Republic of China!?! :confused:

[Dino]

what's PRC? Peoples' Republic of China!?! :confused:

Public Relation Chickies i pressume!

[daBoss]

what's PRC? Peoples' Republic of China!?! :confused:

euj, whatever fulat posts, think hard... think dem hard... and the light will appear... :D

[euj]

Public Relation Chickies i pressume!
ah i see. how does that work? we don't really have those here...

[Dino]

Also...when he post something...think of it from a sexual point of view.

[euj]

euj, whatever fulat posts, think hard... think dem hard... and the light will appear... :D
ah, i see. so he's very horny...

[daBoss]

ah, i see. so he's very horny...

euj, you're a good guy... :D :D :D

[song cm]

ah, i see. so he's very horny...
I bet he has a lot of PRCs stacked away....but then again, he is still single....no need to have PRClah... :D

[euj]

euj, you're a good guy... :D :D :D
:D

[Fulat]

I bet he has a lot of PRCs stacked away....but then again, he is still single....no need to have PRClah... :D

Dont lah say like this. I only read in the papers of how old men got con into parting their money to PRCs. Anyway, go watch the Sillypore movie, Best Bet, and you will know what I mean.

Btw, I just got farked by some friends last week coz I dont show respect to PRCs when we go to pubs. Say I see them no up!! Too much lah! How to be nice and give them respect when I speaking no china?

[euj]

so how does this PRC thing work? and what actually are they?

[Fulat]

so how does this PRC thing work? and what actually are they?

PRC=People's Republic of China. A general term used to describe those chinese girls in Malaysia. Most of the time, you'll find them in Pubs and Karaokes. They can be pretty sweet thing who make you fall in love with them and than they give you all kinds of sob stories (like in those days where your grand parents actually send money back to china to repair houses..etc) and before you know it, they have your credit cards and atm cards!!

So, it is wrong for me to ignore them? kena farked for nothing by my friends.

[euj]

yeah, they sound like trouble...

[daBoss]

PRC=People's Republic of China. A general term used to describe those chinese girls in Malaysia. Most of the time, you'll find them in Pubs and Karaokes. They can be pretty sweet thing who make you fall in love with them and than they give you all kinds of sob stories (like in those days where your grand parents actually send money back to china to repair houses..etc) and before you know it, they have your credit cards and atm cards!!

So, it is wrong for me to ignore them? kena farked for nothing by my friends.

hey, i read in the papers that they're now congregated around the smaller towns in malaysia - wrecking havoc to the old men there who dun have enuf sex. ah! now i know why fulat disappears once in a while from kl... :D

[euj]

hey, i read in the papers that they're now congregated around the smaller towns in malaysia - wrecking havoc to the old men there who dun have enuf sex. ah! now i know why fulat disappears once in a while from kl... :D
and these girls are from China? how did they get in and how did they manage to stay?

[siewjang]

1st, they will quarrel about money. When the husband had earned enough money, they will quarrel about time. That is when the husband had extra money in the pocket and start to look for PRC :mad:

[siewjang]

and these girls are from China? how did they get in and how did they manage to stay?
They come in here as tourist for under student pass and overstayed (illegal immigrant la).

[Fulat]

hey, i read in the papers that they're now congregated around the smaller towns in malaysia - wrecking havoc to the old men there who dun have enuf sex. ah! now i know why fulat disappears once in a while from kl... :D

Sitiawan is one of them!! hahaha... but I go back to see my parents only.

Maybe is a good thing they came, buy them a drink and learn mandarin from them? Ni how mah?

[song cm]

They come in here as tourist for under student pass and overstayed (illegal immigrant la).

wah...u know one...
Infact, i think the education ministy actually put a freeze on the student visa for those ppl from China...in which i think it is abit unfair to those ppl who really want to come here to study....

[song cm]

1st, they will quarrel about money. When the husband had earned enough money, they will quarrel about time. That is when the husband had extra money in the pocket and start to look for PRC :mad:
very funny chain of events.....hmm....but plausible...

[euj]

1st, they will quarrel about money. When the husband had earned enough money, they will quarrel about time. That is when the husband had extra money in the pocket and start to look for PRC :mad:
yup, very sad, isn't it? i guess husband and wife must both put in 100% for all that not to happen...

[Fulat]

and these girls are from China? how did they get in and how did they manage to stay?

Aiseh man! you out dated betul! They can come as tourist with a 1 month visa. After that, go sillypore and come back again loh. Some of them came as students. Our govt is also encouraging Chinese tourism. You'll see bus loads of them in KLCC.

When there is a will, there is a way.

[song cm]

Sitiawan is one of them!! hahaha... but I go back to see my parents only.

Maybe is a good thing they came, buy them a drink and learn mandarin from them? Ni how mah?

wor hen hau...wor hen horny.... :D

[daBoss]

Sitiawan is one of them!! hahaha... but I go back to see my parents only.

Maybe is a good thing they came, buy them a drink and learn mandarin from them? Ni how mah?

oi, you sure or not? where can you find one in sitiawan... maybe this weekend we go back together, eh?

[euj]

Aiseh man! you out dated betul! They can come as tourist with a 1 month visa. After that, go sillypore and come back again loh. Some of them came as students. Our govt is also encouraging Chinese tourism. You'll see bus loads of them in KLCC.

When there is a will, there is a way.
what to do? i left sitiawan and malaysia when i was 15. i've actually only stayed in malaysia for less than 1/3 of my life...about 9 years...

[Fulat]

1st, they will quarrel about money. When the husband had earned enough money, they will quarrel about time. That is when the husband had extra money in the pocket and start to look for PRC :mad:

Actually, it is also the wife's fault. When no money, they quarrel, so the hubby spends time working harder to earn more money. So, when the money starts coming in, the wife still bitch because never stay home enuf. So, with money in the pocket, and a bitching wife at home, the hubby goes looking for PRC who can provide TLC which, the wifey now is not only looks like a Dinosaur but also behaves like a T-Rex.

[euj]

oi, you sure or not? where can you find one in sitiawan... maybe this weekend we go back together, eh?
probably around the main bus station area, right?

[Fulat]

oi, you sure or not? where can you find one in sitiawan... maybe this weekend we go back together, eh?

You sure or not? Later your T-Rex comes looking for me than got problem. Anyway, have not personally seen any in sitiawan but my parents told me they are available and cost something like RM1.5k per month. More expensive than indonesian maid but they only clean your house for you, they can also clean you!!

[euj]

You sure or not? Later your T-Rex comes looking for me than got problem. Anyway, have not personally seen any in sitiawan but my parents told me they are available and cost something like RM1.5k per month. More expensive than indonesian maid but they only clean your house for you, they can also clean you!!
wah, so cheap! the amount i spend on my gf is more than that!
btw, how do you parents know how much it costs? :D

[Fulat]

wah, so cheap! the amount i spend on my gf is more than that!
btw, how do you parents know how much it costs? :D

Old people talk too you know althought they have a forum to chat.

You spend so much on your girlfriend? hahaha... imagine the choices which you will have if you are still in sitiawan! every month can change 1. 12 girlfriends in a year! what a life! Everyday eat char kuey teow for the same price also sian right?

[euj]

Old people talk too you know althought they have a forum to chat.

You spend so much on your girlfriend? hahaha... imagine the choices which you will have if you are still in sitiawan! every month can change 1. 12 girlfriends in a year! what a life! Everyday eat char kuey teow for the same price also sian right?
haha, but i could eat bak kut teh everyday i tell you...
you must remember that the exchange rate for AUD to RM is 1 to 3...

[siewjang]

Actually, it is also the wife's fault. When no money, they quarrel, so the hubby spends time working harder to earn more money. So, when the money starts coming in, the wife still bitch because never stay home enuf. So, with money in the pocket, and a bitching wife at home, the hubby goes looking for PRC who can provide TLC which, the wifey now is not only looks like a Dinosaur but also behaves like a T-Rex.
Looks like our fault again ..*sigh..

[song cm]

haha, but i could eat bak kut teh everyday i tell you...
you must remember that the exchange rate for AUD to RM is 1 to 3...
then i guess the best is we import them over to you... :D

[siewjang]

haha, but i could eat bak kut teh everyday i tell you......
Euj eat bak kut teh? sure or not?

(*wah can even spell hor)

[euj]

then i guess the best is we import them over to you... :D
here very hard to find. actually, almost to the point of cannot get...

[euj]

Euj eat bak kut teh? sure or not?

(*wah can even spell hor)
definitely. my favourite. i love chinese food, malay, indian - basically anything which has a strong flavour...

[LiLiaN]

here very hard to find. actually, almost to the point of cannot get...
buy the ready packed perencah type lor... can ask people to send over to you easily....

[Fulat]

haha, but i could eat bak kut teh everyday i tell you...
you must remember that the exchange rate for AUD to RM is 1 to 3...

Brader, you cannot convert like that. This is Sitiawan you know. A huge house only set you back by RM150-200K.

Anyway, if you spend only AUD500 on your girlfriend, then you fall under the category of kedukut bugger a.k.a. Penang Mali.

[song cm]

here very hard to find. actually, almost to the point of cannot get...
oklah, we get the hint...
Fulat, you aso do export rite?

[euj]

buy the ready packed perencah type lor... can ask people to send over to you easily....
that here can get, but doesn't taste the same. maybe it's cos the whole romance of thing isn't there. walking into the shop with the dirty, black pot which has been boiling the whole morning. then ordering the oil rice or onion rice with fresh cut red chillies. aiyo! die lah. so hungry now. have to leave office and go buy some food!

[siewjang]

buy the ready packed perencah type lor... can ask people to send over to you easily....
Euj, I can fedex one packet to you if you like :)

[song cm]

errr.... not sure whether we are talkin abt exporting the same thing....haha :D I am confused...

[euj]

Euj, I can fedex one packet to you if you like :)
won't taste the same lah...so hungry now. i could eat bak kut teh for the rest of my life, every day...

[LiLiaN]

i thought we were exporting bak kut teh... no..?

[song cm]

i thought we were exporting bak kut teh... no..?
haha...i thot otherwise...nvm... :D

[siewjang]

errr.... not sure whether we are talkin abt exporting the same thing....haha :D I am confused...
According to daBoss we are good guy. Song and Fulat's brain is all polluted :D

[LiLiaN]

According to daBoss we are good guy. Song and Fulat's brain is all polluted :D
i agree... i agree... song, go get it sterilised...! :p

[siewjang]

won't taste the same lah...so hungry now. i could eat bak kut teh for the rest of my life, every day...
Okok. When you come to KL in May/June, I'll treat you Klang famous bak kut teh.

[song cm]

According to daBoss we are good guy. Song and Fulat's brain is all polluted :D
hey...apalah....thot we were initially talkin abt PRC mah....suddenly :D turn into BKT....

[Fulat]

oklah, we get the hint...
Fulat, you aso do export rite?

How to do exports? Local stock also I dont have. Penang also tai pah! somemore, free trade zone, no need to pay export tax.

[song cm]

i agree... i agree... song, go get it sterilised...! :p
lilian, which part?? :p

[LiLiaN]

hey...apalah....thot we were initially talkin abt PRC mah....suddenly :D turn into BKT....
because euj mentioned bak kut teh mah....

[song cm]

How to do exports? Local stock also I dont have. Penang also tai pah! somemore, free trade zone, no need to pay export tax.
plezzz...u sure don hv? I thot taipah stock...stock overrun somemore... :D

[LiLiaN]

lilian, which part?? :p
up to yourself... :D

[song cm]

because euj mentioned bak kut teh mah....
or dat is wat u thot he meant..... :D

[LiLiaN]

or dat is wat u thot he meant..... :D
me very innocent, of course lar!

[euj]

i thought we were exporting bak kut teh... no..?
yes please. not the perencah, but the real thing. :D

[LiLiaN]

yes please. not the perencah, but the real thing. :D
real thing ah..? then look like you'll have to import PRC who has learned how to cook bak kut teh properly... fulat, please supply.... :D

[Fulat]

because euj mentioned bak kut teh mah....

Bak Kut Teh also means go Teh Kut (char kuat)

[LiLiaN]

Bak Kut Teh also means go Teh Kut (char kuat)
oh.... nice massage.... euj, PRC - killing a few birds with one stone leh... :p

[euj]

real thing ah..? then look like you'll have to import PRC who has learned how to cook bak kut teh properly... fulat, please supply.... :D
aiyah, i only want the bak kut teh lah...not the chick...i already have a great one here... ;)

[song cm]

real thing ah..? then look like you'll have to import PRC who has learned how to cook bak kut teh properly... fulat, please supply.... :D
wah, then euj will have best of both world...
somemore the PRC can aso cook dog kut teh....soli Ko Chun...

[LiLiaN]

aiyah, i only want the bak kut teh lah...not the chick...i already have a great one here... ;)
oh... soli soli... (psstt... gf not reading the posts, is she...?)

[siewjang]

Euj, pm me your add and i'll fedex the real thing to you. Better not presume i understand which real thing, cos I'm confused about the real thing now. So you better tell me which real thing that you want. :rolleyes:

[song cm]

aiyah, i only want the bak kut teh lah...not the chick...i already have a great one here... ;)
hey...variety is the spice of life....after all BKT aso got a lot of spices rite? 11??

[Fulat]

aiyah, i only want the bak kut teh lah...not the chick...i already have a great one here... ;)

You got great chick there? can share ah? Song very sad case lah in Penang. Everyday only char kuey teow or laksa.

[song cm]

Euj, pm me your add and i'll fedex the real thing to you. Better not presume i understand which real thing, cos I'm confused about the real thing now. So you better tell me which real thing that you want. :rolleyes:
i think u need the jumbo box from fedex to courier the real thing....

[Fulat]

i think u need the jumbo box from fedex to courier the real thing....

Batteries included or not?

[euj]

wah, then euj will have best of both world...
somemore the PRC can aso cook dog kut teh....soli Ko Chun...
haha...if i have gf plus PRC, then die lah - bankrupt, plus my dad always said 'remember, if you ever think of cheating, one woman in you life is bad enough!' :D

[siewjang]

wah, then euj will have best of both world...
somemore the PRC can aso cook dog kut teh....soli Ko Chun...
I received an e-mail before about why China BKT is delicious. Cos they put in dead feotus in the soup to boil :eek: Don't know how true but PRK ppl eat almost anything.

[song cm]

You got great chick there? can share ah? Song very sad case lah in Penang. Everyday only char kuey teow or laksa.
Fulat, unfortunately neither...everyday i eat nasi kandarlah....only 1 choice... :D

[euj]

oh... soli soli... (psstt... gf not reading the posts, is she...?)
no, she doesn't know about it, plus she's probably too busy at work... :D

[LiLiaN]

Fulat, unfortunately neither...everyday i eat nasi kandarlah....only 1 choice... :D
wei, compare your women like dishes ke...??!!!

[euj]

I received an e-mail before about why China BKT is delicious. Cos they put in dead feotus in the soup to boil :eek: Don't know how true but PRK ppl eat almost anything.
my mom's side of the family are hakka and they used to eat dog for CNY when i was a kid!

[LiLiaN]

my mom's side of the family are hakka and they used to eat dog for CNY when i was a kid!
:eek: :eek: :eek: (speechless......)

[siewjang]

:eek: pui, pui, pui :eek:

So did you eat them too?

[song cm]

wei, compare your women like dishes ke...??!!!
haha...hey, food is essential to livin mah...so is women....but too much food (or women)...can aso kill u...heart attack.... :D

[LiLiaN]

haha...hey, food is essential to livin mah...so is women....but too much food (or women)...can aso kill u...heart attack.... :D
not necessarily heart attack... indigestion also big problem, somemore maybe get choked, or allergy....

[song cm]

not necessarily heart attack... indigestion also big problem, somemore maybe get choked, or allergy....
true...true...very true...
wah, how u know?
Is man aso like food?

[Fulat]

my mom's side of the family are hakka and they used to eat dog for CNY when i was a kid!

Heard it is damn good! Better than prime beef. Increase libido also. So which dog is best? Rottweller? Pekingese? mongrels? Alsations? Dobberman? Or that sausage dogs which is good for making chinese lap cheongs?

[euj]

:eek: pui, pui, pui :eek:

So did you eat them too?
i did try it when i was a kid. taste just like chicken... :)

[euj]

haha...hey, food is essential to livin mah...so is women....but too much food (or women)...can aso kill u...heart attack.... :D
hey, if it's the right woman...it's never to much...

[LiLiaN]

true...true...very true...
wah, how u know?
Is man aso like food?
yeap.... food with a lot of bones sometimes... ;)

french people brought food and love to a new level... they greet their love ones using nicknames such as (after translation) little chick, little cabbage, little pea.... strange...

[LiLiaN]

hey, if it's the right woman...it's never to much...
euj, i think song mean too many women (as in plural)...

[Fulat]

true...true...very true...
wah, how u know?
Is man aso like food?

Man is like Durian. Looks like shit, smells like shit but taste like heavan!!

[LiLiaN]

Man is like Durian. Looks like shit, smells like shit but taste like heavan!!
lmao....

[Fulat]

yeap.... food with a lot of bones sometimes... ;)

french people brought food and love to a new level... they greet their love ones using nicknames such as (after translation) little chick, little cabbage, little pea.... strange...

We can also call our love ones the same. Little Char Siew, Little Siew Yok, Little pai kuat...etc

[LiLiaN]

We can also call our love ones the same. Little Char Siew, Little Siew Yok, Little pai kuat...etc
ok, you start calling your chicks with that and bring the trend in.... :D

[euj]

Man is like Durian. Looks like shit, smells like shit but taste like heavan!!
i love durians... ;)

[song cm]

euj, i think song mean too many women (as in plural)...
yah...spot on....too much *** wont kill u but too many women would... :D or should i say, one too many...

[daBoss]

i had dog meat when i went to korea for a project... dem good... rm 600 per kg. some more have to go to some dodgy place... was told that eating/cooking dog meat is ok... but slaughtering dogs are illegal...

[LiLiaN]

i love durians... ;)
:eek:

[song cm]

:eek:
hehe...i hope he meant the real durians... :p

[LiLiaN]

hehe...i hope he meant the real durians... :p
i hope so too......

[Fulat]

i love durians... ;)

Alternative life style? Hmmm.... kinky!

[daLady]

hmmm.. to live in KL, to be able to live comfortable as in, able to rent a room in BU, drive a reasonable good car ie honda civic and have extra $$ to spend... single will have to earn around 5-6K. But bear in mind, women and men's need are different. If the woman likes to spend alot.. then 6k also not enuf. Same with men who has a materialistic gf, 6k also not enuf. But if the man and woman are both down to earth and shrewd, then 5k is more than enuf.

as for married couples, to be able to rent a house (not room) in BU, drive a Lexus (4WD) and having 1-2 children, it will be at least 10-12K (combined income).. hehe...

that is to live real comfortably!
I say 10-12K not enuf for the BU and Lexus lifestyle!!! No need to factor in insurance kah...if got kids already...The premiums can be a real killer.

[daLady]

That's true, when your wife is low maintenance when being a housewife.. it's very much easier than having a working wife who spends every single cent.. :)
Too low maintenance..hubby can complain...or suddenly cabut:D

[daBoss]

so what's the conclusion? this thread serong banyak oreidi...

looks like since we stopped splitting threads... things go hay-wire...

[LiLiaN]

so what's the conclusion? this thread serong banyak oreidi...

looks like since we stopped splitting threads... things go hay-wire...
a little bit lor... but it's fun this way, no...?
since you started the thread, maybe you want to conclude and close it..?

[daBoss]

...as for married couples, to be able to rent a house (not room) in BU, drive a Lexus (4WD) and having 1-2 children, it will be at least 10-12K (combined income).. hehe...

yup, just consider this...

bu house - rm 500K - monthly installment - rm 2.5 k to rm 3 k
for a car like lexus - i would think monthly installment - around rm 3 k

just car and house oreidi rm 6 k. haven't even considered children, leisure, etc.

also, need to consider income tax and epf deductions, i betcha for income around rm 10-12 k, tax + epf will be about 30%...

how???

[LiLiaN]

yup, just consider this...

bu house - rm 500K - monthly installment - rm 2.5 k to rm 3 k
for a car like lexus - i would think monthly installment - around rm 3 k

just car and house oreidi rm 6 k. haven't even considered children, leisure, etc.

also, need to consider income tax and epf deductions, i betcha for income around rm 10-12 k, tax + epf will be about 30%...

how???
living in luxury - NOT ENUFF!

[song cm]

yup, just consider this...

bu house - rm 500K - monthly installment - rm 2.5 k to rm 3 k
for a car like lexus - i would think monthly installment - around rm 3 k

just car and house oreidi rm 6 k. haven't even considered children, leisure, etc.

also, need to consider income tax and epf deductions, i betcha for income around rm 10-12 k, tax + epf will be about 30%...

how???
buy a hse in bukit jalil n drv a sorento.... :D

[Diong_Gar_Loon]

a little bit lor... but it's fun this way, no...?
since you started the thread, maybe you want to conclude and close it..?
it will be enough when you have enough to buy your friend a bmw.

the point i am trying to get is human beings are designed not to be fully satisfied. there is always something that we want more.

conclusion: never enuf.

[LiLiaN]

gar loon, i rely on public transport, where got $$$ to buy bmw... :(

[Diong_Gar_Loon]

gar loon, i rely on public transport, where got $$$ to buy bmw... :(

hehe... well it means not enough yet lar. then again, the rich MEB who is interested in you will probably get you one anyway. better still, don't have to buy. remember to give me one if he gives you more than one.

[LiLiaN]

hehe... well it means not enough yet lar. then again, the rich MEB who is interested in you will probably get you one anyway. better still, don't have to buy. remember to give me one if he gives you more than one.
wahlau... i dunno how to respond to this...

[Dino]

wahlau... i dunno how to respond to this...

Pssstt.....which MEB has BMW??? I must sokong him then!!

[LiLiaN]

Pssstt.....which MEB has BMW??? I must sokong him then!!
dino, i thought you've already voted...

[Diong_Gar_Loon]

Pssstt.....which MEB has BMW??? I must sokong him then!!
he knows it if he sees this message.

[Dino]

dino, i thought you've already voted...

I get more people to vote for that fella lah...but i can make a guess... who that is.... :D

[LiLiaN]

does everyone knows except me...????!

[euj]

does everyone knows except me...????!
i don't know either... :confused:

[dreamwh]

Know what??

[siewjang]

gar loon, i rely on public transport, where got $$$ to buy bmw... :(
Lilian, with all your savings, when you come back to Malaysia, you are called a millionaire. :) no joke

Like my kakak, she will be able to built a toilet back home after working here for a year. Good leh.

[athena]

Like my kakak, she will be able to built a toilet back home after working here for a year. Good leh.
hahaha...siewjang, GGREEEAAATTT encouragement!!!!!

[song cm]

Lilian, with all your savings, when you come back to Malaysia, you are called a millionaire. :) no joke

Like my kakak, she will be able to built a toilet back home after working here for a year. Good leh.
i thot a whole dem hse plus buy a husband with the change....

Btw, I am sending my kakak back this Sat...

[Sarah]

Like my kakak, she will be able to built a toilet back home after working here for a year. Good leh.

hahahahaha... my stomach aching already... :D

[siewjang]

Btw, I am sending my kakak back this Sat...
The time that you are waiting is here. Congrats.

[song cm]

The time that you are waiting is here. Congrats.
yeap...yippee..bring out the champagne...now I can use my gym in kakak's ex room... :D

[siewjang]

Uncle, don't forget that the toilets need scrubbing. The grasses need trimming. The clothes need ironing and the cows need milking. :eek:

[song cm]

Uncle, don't forget that the toilets need scrubbing. The grasses need trimming. The clothes need ironing and the cows need milking. :eek:
toilet...i am the new brush, grasses....I am the new gardener, ironing...I will send to a launderette, cows...hmm, don hv any lah.... :D

[athena]

toilet...i am the new brush, grasses....I am the new gardener, ironing...I will send to a launderette, cows...hmm, don hv any lah.... :D
haha...hey song,how much u charge? maybe can pop over to me granny's and be her brush also :D

[song cm]

haha...hey song,how much u charge? maybe can pop over to me granny's and be her brush also :D

wah...can start my cleanin agency lah...
since u r my first potential customer....foc for u lah...
pm me ur granny hse address... :D

[siewjang]

Song,when my time is here, I'll page for you too. Can or not?

Don't just tok only la. End of the day Anne is the one who is doing. Can't depend on men with housework.

[song cm]

Song,when my time is here, I'll page for you too. Can or not?

Don't just tok only la. End of the day Anne is the one who is doing. Can't depend on men with housework.
hey..please...I do my share of the housework...the one thing i hate to do is sweep the floor. I would rather vacumn them....but washing toilets n moping floor is my expertise...But I must say Anne is better with the kids...