RaRa, ya he knows the big diff in interest, yet he is persuaded by his colleagues that it's crazy to spend more on mthly payment. I told him so long as it's within our budget and we can live w the balance and have some to save, it's ok. Anyway, not going to talk abt it for now.. I'm peeved that he's more willng to listen to a bunch of 1st-time car owners who are totally not financially-savvy (pple who dun eat lunch to mod their cars or have 0 savings) than to straight facts and common sense. Sigh.
A Place for Singles
- Thread starter tradingacct
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On buying property, I doubt too that majority of us are able to throw in amounts of multiple zeroes into acquiring property. I guess we just have to plan within our means based on our own financial limitations, keeping in mind the impact which the overall environment might have on our property.
Bf and I were very tempted to apply for the ongoing Jalan Membina ballot cos of its location. But after some calculations, we realised that we might really be stretching our means and if either one of us suffers a pay cut or loses our job, we're dead.
While private property in prime districts are pretty much shielded from a market dip, how heavily are central hdb flats impacted?
Bf and I were very tempted to apply for the ongoing Jalan Membina ballot cos of its location. But after some calculations, we realised that we might really be stretching our means and if either one of us suffers a pay cut or loses our job, we're dead.
While private property in prime districts are pretty much shielded from a market dip, how heavily are central hdb flats impacted?
Cool down... Then leave him alone to think it through lor. He is probably worried that you may have to suffer a drastic drop in ur daily standard of living to pay off the car.
Interest is invisible poison man. That's why so many people are willing to take longer loans cos you just pay and pay without realising how much you're paying. Sigh...
Interest is invisible poison man. That's why so many people are willing to take longer loans cos you just pay and pay without realising how much you're paying. Sigh...
G,
think location, then think ANY housing, dun have to be private... i'm staying in hdb anyway... there's still little gems of hdb around and to be built. basically has to be new and central if u wanna make the money, else resale at least u dun lose much and definitely works out to a cheaper rental... this is to facilitate future upgrades, which is very likely. besides, central locations saves u alot of money on travelling time & costs.
as for car, i hope it doesn't become an issue... if need to take 10yrs then best not buy UNLESS u can earn a higher percentage than the 4%m but dun forget the 4% is on your loan amount ie 40k, not many of us have 40k to make the 4% in the 1st place... yes coe is likely to go up but it'll not be exceeding 20k in the next 1.5yrs at least... besides there's always 2nd hand cars avail with a coe tat is already locked in... so i dun think there shuld be a rush to buy...
think location, then think ANY housing, dun have to be private... i'm staying in hdb anyway... there's still little gems of hdb around and to be built. basically has to be new and central if u wanna make the money, else resale at least u dun lose much and definitely works out to a cheaper rental... this is to facilitate future upgrades, which is very likely. besides, central locations saves u alot of money on travelling time & costs.
as for car, i hope it doesn't become an issue... if need to take 10yrs then best not buy UNLESS u can earn a higher percentage than the 4%m but dun forget the 4% is on your loan amount ie 40k, not many of us have 40k to make the 4% in the 1st place... yes coe is likely to go up but it'll not be exceeding 20k in the next 1.5yrs at least... besides there's always 2nd hand cars avail with a coe tat is already locked in... so i dun think there shuld be a rush to buy...
powder, i'm definitely in no hurry to buy. Esp when the selection of cars we can afford is so small. I dun understand when you say "dun forget the 4% is on your loan amount ie 40k, not many of us have 40k to make the 4% in the 1st place"? Anyway, regardless of COE going up or not, the cost of maintaining the car is more of a concern. Right now, I happier cabbing around. Getting the car means I have to fork out more cash for driving lessons. Feeling slightly phobic about the whole issue now.
For pty, agree that location is impt but then not everyone so lucky to find or afford a central location. Tried balloting myself but couldn't get it. My current place is a bit far off but the pros is that it's quiet and less crowded. Surprisingly there's quite a bit of demand.. have been getting calls from agents looking for sellers and prices have appreciated 30% over past 4-5 yrs.
For pty, agree that location is impt but then not everyone so lucky to find or afford a central location. Tried balloting myself but couldn't get it. My current place is a bit far off but the pros is that it's quiet and less crowded. Surprisingly there's quite a bit of demand.. have been getting calls from agents looking for sellers and prices have appreciated 30% over past 4-5 yrs.
anyway G,
let me just drop every cost involved with car ownership, relative to my ownership... u adjust accordingly to the car u likely to buy... it can be scary...
1. instalment - 1k x 12 = 12k/yr
2. insurance - $2.2k/yr
3. road tax - $1.5k/yr
4. petrol - $90 x 4times/mth = $360 x 12 = 4.3k/yr
5. season - $90(home) + $240(office) = $350 x 12 = 4.2k/yr
6. erp - $2/day x 20 = $40/mth = $480/yr
7. servicing - $250/10,000km = $500/yr
8. tyres - $250x4 per yr = 1k/yr
9. car wash/polish - $50/mth = $600/yr
10. miscellaneous parking/summons - X
wow tat's scary... tat's $26,780 for me... excluding mods/accessories. so total abt 2.2k/mth. of cos if 1 of u can claim for car expenses it'll be great.
honestly do the same calculations with your hubby and get a good grasp of this commitment if u guys gonna take TEN years loan... it's definitely more expensive than raising kids...
simpleman/siao/milo, anything i missed out?
let me just drop every cost involved with car ownership, relative to my ownership... u adjust accordingly to the car u likely to buy... it can be scary...
1. instalment - 1k x 12 = 12k/yr
2. insurance - $2.2k/yr
3. road tax - $1.5k/yr
4. petrol - $90 x 4times/mth = $360 x 12 = 4.3k/yr
5. season - $90(home) + $240(office) = $350 x 12 = 4.2k/yr
6. erp - $2/day x 20 = $40/mth = $480/yr
7. servicing - $250/10,000km = $500/yr
8. tyres - $250x4 per yr = 1k/yr
9. car wash/polish - $50/mth = $600/yr
10. miscellaneous parking/summons - X
wow tat's scary... tat's $26,780 for me... excluding mods/accessories. so total abt 2.2k/mth. of cos if 1 of u can claim for car expenses it'll be great.
honestly do the same calculations with your hubby and get a good grasp of this commitment if u guys gonna take TEN years loan... it's definitely more expensive than raising kids...
simpleman/siao/milo, anything i missed out?
rara,
i mean if u buy resale in ie tiong bahru 5rm 550k, u likely to sell at same or let's say 500k after living 5yrs... tat works out to roughly 50k for 5yrs or 10k/yr... rental less than 1k/mth... of cos this excludes interest/stamp fees etc tat u lose.
4% is wat some pple charge for stretching to 10yrs... just for worse case scenario.
i mean if u buy resale in ie tiong bahru 5rm 550k, u likely to sell at same or let's say 500k after living 5yrs... tat works out to roughly 50k for 5yrs or 10k/yr... rental less than 1k/mth... of cos this excludes interest/stamp fees etc tat u lose.
4% is wat some pple charge for stretching to 10yrs... just for worse case scenario.
oh... ok thanks for explaining. Wow 550k would work out to a very high monthly instalment. Quite a big risk to take unless your job is really stable with charted advancement in monetary terms.
I thought they profit more from a longer loan, and yet they charge a higher interest!?
I thought they profit more from a longer loan, and yet they charge a higher interest!?
for cars... personally i would advise for new owners to buy coe-cars tat are left with abt 2-3yrs and cost 2.5k depreciation per year to drive. insurance cheaper (3rd party) but road tax slightly higher (50%). u can prob buy the whole car under 10k... and just use like a super-duper A-B car... u can upgrade later when finances improve... besides, u'll definitely be less stressed over ownership...
powder, the insurance for our car costs over $1k/year because of my bf's age. Is that considered ex, cheap, or normal? The guy who sold us the car said that it would be cheaper if it was under his dad's name. Why is this so?
Our car is 2nd hand but quite ex. we paid $18+k for a 15y.o. Toyota Corolla including interest paid on loan but excluding the recurring and variable costs like insurance, road tax, petrol, parking and maintenance. Definitely not the best deal we could have gotten. This was only the 2nd car my bf test drove. He needed a car urgently. But I must say that although it is old, it is serving us well. Petrol consumption is not too bad for an old car, averaging 11km/l. Just hope that it can last us till the day it becomes scrap metal.
Our car is 2nd hand but quite ex. we paid $18+k for a 15y.o. Toyota Corolla including interest paid on loan but excluding the recurring and variable costs like insurance, road tax, petrol, parking and maintenance. Definitely not the best deal we could have gotten. This was only the 2nd car my bf test drove. He needed a car urgently. But I must say that although it is old, it is serving us well. Petrol consumption is not too bad for an old car, averaging 11km/l. Just hope that it can last us till the day it becomes scrap metal.
ya agree, pls dun eat grass... o be honest CABS ARE CHEAPER but just damnnnn irritating to get during rush hour.
your car abit expensive, can get a coe bmw, or top-up 2-3k more for a merc... but it's all down to timing.
car insurance see age... the older the cheaper... hugh difference between 29yrs old and 30 yrs old... for 3rd party insurance i paid $400... i think it;s good u guys bought a car tat's manageable on loan... even if u scrap now, your loss is very limited.
your car abit expensive, can get a coe bmw, or top-up 2-3k more for a merc... but it's all down to timing.
car insurance see age... the older the cheaper... hugh difference between 29yrs old and 30 yrs old... for 3rd party insurance i paid $400... i think it;s good u guys bought a car tat's manageable on loan... even if u scrap now, your loss is very limited.
hey G~gal, have you considered coe cars? or 2nd hand cars? the reason why we decided on a coe car over a brand new vios is because we didn't want to commit to such a long loan term. The instalment/mth would be about the same for the vios and coe car, but one was for 3yrs and the other 7yrs. If you are able to pay about 10k upfront, which we couldn't, you probably only need minimal loan.
We were mainly concerned about the lack of job security nowadays and the risk of my bf's co withdrawing the car allowance anytime. If a few years later we can afford to maintain the cost of a new car on our own, it is still not too late to get one but our mentality is quite similar to yours. we believe we can do just as well without a car. so we can decide when the time comes.
powder, there were a couple of merc for sale at that time when we were looking and we did consider them at your recommendation. but we wanted to keep the monthly expenses within the monthly car allowance that my bf would get. the road tax and petrol consumption for bigger cars would bust the budget. or did we miss out some factors for consideration?
We were mainly concerned about the lack of job security nowadays and the risk of my bf's co withdrawing the car allowance anytime. If a few years later we can afford to maintain the cost of a new car on our own, it is still not too late to get one but our mentality is quite similar to yours. we believe we can do just as well without a car. so we can decide when the time comes.
powder, there were a couple of merc for sale at that time when we were looking and we did consider them at your recommendation. but we wanted to keep the monthly expenses within the monthly car allowance that my bf would get. the road tax and petrol consumption for bigger cars would bust the budget. or did we miss out some factors for consideration?
rara,
dun think anything u missed out... honestly as long as u guys are comfortable, dun have to eat pao daily and the car gets the job done... then it was a good decision. the loss is so minimal tat it's fair..
tat time when i down n out... i bought my 1st alfa for 14k, (down 3k, took 11k loan)... it had 14mths left before scrap and the scrap value was 11.5k... so technically i paid 2.5k to drive for 14mths... it was an old car but damn nice to drive... i took 1 yr loan and paid 1k monthly (my pay 1.8k so forced savings again), but 15mths later i got back sgd11.5k scrap value from the car... not bad mah. only serviced 1 time $98 only... the owner is a buddy of mine now
main thing is not to overstretch... otherwise, enjoy the ownership and dun feel pressured to by nice nice car by peers...
dun think anything u missed out... honestly as long as u guys are comfortable, dun have to eat pao daily and the car gets the job done... then it was a good decision. the loss is so minimal tat it's fair..
tat time when i down n out... i bought my 1st alfa for 14k, (down 3k, took 11k loan)... it had 14mths left before scrap and the scrap value was 11.5k... so technically i paid 2.5k to drive for 14mths... it was an old car but damn nice to drive... i took 1 yr loan and paid 1k monthly (my pay 1.8k so forced savings again), but 15mths later i got back sgd11.5k scrap value from the car... not bad mah. only serviced 1 time $98 only... the owner is a buddy of mine now
main thing is not to overstretch... otherwise, enjoy the ownership and dun feel pressured to by nice nice car by peers...
salsa_babe
New Member
Diana....are you joining us next Friday?
latino....you hurt yourself?
I know one Chinese physician....not bad lah but his clinic is at tampines.
latino....you hurt yourself?
I know one Chinese physician....not bad lah but his clinic is at tampines.
cecilialim
Active Member
moring ppl! diana are you joinging us next fri??
has bboy replied?
has bboy replied?
salsa_babe
New Member
bboy has replied....asked me 23rd is when coz he will be out of town next weekend....
diana....hope you can join us yah.
think I need a back massage badly...
diana....hope you can join us yah.
think I need a back massage badly...
miloice
Well-Known Member
hi Cactus,
if u buy from open market without any HDB grant, u only need to wait 1 yr from the sale completion date before u can sell without penalties.
On the talk abt cars, frankly, it will only get more and more expensive. I personally believe it will come a day when cars truly become a luxury that is exclusive to the rich.
If we look at small developed cities or countries, where the public transport is really good, the average citizen all take public transport. E.g. HK, Tokyo, Montreal. I think now is the opportunity for the average singaporean who wants to own a car before it becomes too expensive to maintain one.
if u buy from open market without any HDB grant, u only need to wait 1 yr from the sale completion date before u can sell without penalties.
On the talk abt cars, frankly, it will only get more and more expensive. I personally believe it will come a day when cars truly become a luxury that is exclusive to the rich.
If we look at small developed cities or countries, where the public transport is really good, the average citizen all take public transport. E.g. HK, Tokyo, Montreal. I think now is the opportunity for the average singaporean who wants to own a car before it becomes too expensive to maintain one.
I think sums have to be done before deciding whether or not to buy a car.
The actual cost of owning and maintaing a car (both ownership and usage) vs. taking the different forms of public transport and asking ourselves if the cost differential compensates us adequately for the inconvenience at taking public transport.
The actual cost of owning and maintaing a car (both ownership and usage) vs. taking the different forms of public transport and asking ourselves if the cost differential compensates us adequately for the inconvenience at taking public transport.
Just a hypothetical -
What if someone has $1m in cash. But chooses to place the $ in fixed deposits, getting an average of 3%pa. That works out to $2.5k/month. Isn't that a healthy budget for rental (excluding prime locations and landed property)? Of course, through the years, the $ in fixed deposit would erode due to inflation, but what's a person to worry about if he continues to work, has no outstanding loan, and CPF $ remain untouched? Would it be wiser to rent or to buy?
What if someone has $1m in cash. But chooses to place the $ in fixed deposits, getting an average of 3%pa. That works out to $2.5k/month. Isn't that a healthy budget for rental (excluding prime locations and landed property)? Of course, through the years, the $ in fixed deposit would erode due to inflation, but what's a person to worry about if he continues to work, has no outstanding loan, and CPF $ remain untouched? Would it be wiser to rent or to buy?
miloice
Well-Known Member
every decision comes with a risk. Renting wouldn't be a good idea because it reduces the cash we have and leave the untouched CPF as a white elephant.
Use the CPF for a place to stay. The 1 million remains intact. And whatever interest earned can be used for investment still. At the end of the day. The capital & CPF remains safe even if the property depreciates, it is still a roof for the individual to stay in.
Use the CPF for a place to stay. The 1 million remains intact. And whatever interest earned can be used for investment still. At the end of the day. The capital & CPF remains safe even if the property depreciates, it is still a roof for the individual to stay in.
if that's the case wouldn't he (i'm assuming that individual is a he haha) be better off buying? cos $1mil in good property may appreciate, but $1mil in the bank will not be worth $1mil 10yrs later. Prices increase, rentals increase, and soon he'll realise he can't do much with his remaining money anymore.
Ai yah... RaRa ... I said "hypothetical" already lah.
Guess it makes sense to buy..... even for pple like me with less cash
Very hard to strike a balance between paying banks interest and owning a place ... always driving me crazy. Perhaps I've not seen a place I like enough.
Guess it makes sense to buy..... even for pple like me with less cash
Very hard to strike a balance between paying banks interest and owning a place ... always driving me crazy. Perhaps I've not seen a place I like enough.
Hi Powder/RaRa, thanks for your insights re car ownership. I really dun mind a 2nd car.. it is hb who has been psychoed into buying a new car on 10yr loan by his non-financially savvy colleagues. And these are the same pple who skip meals to pay for their car moding, have little savings and spent all their bonuses on a 2L continental car. He said we wld never get a car if we dun take the 10 yr loan... I just find the logic ridiculous. So I told him to work backwards from a comfortable mthly payment and try to find a car that we can fit into the budget w 7 yr loan max. Looks like besides the Swift, there aren't many other choices. So now he is grouchy he can't buy the Terios (yeah he saw it and sat in it, and liked it more than the SX4)... sigh
Hi G-gal,
Sometimes, 2nd hand cars may be better than new cars, cos the OMV value is higher (the ARF thingy came in only in 2002??) Newer cars esp Jap models tend to be increasingly made in THailand/INdonesia. But if you buy 2nd hand cars, really got to watch out for their condition. I notice 2nd hand cars which are 2-doors tend to be in better condition because they tend to be the family's 2nd or 3rd car. If you are looking at a small family, just 1 child for the moment, you can consider a 2-door car but only downside is the insurance premium which may be high. I'm talking second hand lah.
Sometimes, 2nd hand cars may be better than new cars, cos the OMV value is higher (the ARF thingy came in only in 2002??) Newer cars esp Jap models tend to be increasingly made in THailand/INdonesia. But if you buy 2nd hand cars, really got to watch out for their condition. I notice 2nd hand cars which are 2-doors tend to be in better condition because they tend to be the family's 2nd or 3rd car. If you are looking at a small family, just 1 child for the moment, you can consider a 2-door car but only downside is the insurance premium which may be high. I'm talking second hand lah.
ARGH!! No need to explain to me abt the interest!! I already know... I have done the sums. Now problem is w hb being psychoed into getting 10 yr loan cos all his colleagues are dumb enuf to do it. I told him why is he listening to those pple instead of common sense? Anyway, I think I'm gonna drop the idea of buying a car for now.
Ah siao, my original budget is $58K but he is now looking at the Terios which is $61K
Ah siao, my original budget is $58K but he is now looking at the Terios which is $61K
Buying a house in Singapore, using your CPF is a prudent measure but you must know what is the upper limit. If you over-stretch yourself, ie you buy a house and take a long loan and your CPF at the current moment cannot fully service the loan (and you have to use more than 10-15% of your pay for cash), I'll take it as stretching yourself. Of course it all depends on how much cash you have upfront (the more the better), all things being equal.
It is important we buy a house within our capability otherwise the interest of the big housing loan over the long period will kill you - very slowly that you may not notice.
In land scarce singapore buying a house is a good bet - irregardless of location. Those in choice district are for the rich. For most of us, any location that is convienient for us is good enough.
The way I look at it property price in general will appreciate over time. Except when in the high-end apartments in choice district - this is where the rich will play, appreciation will be slow and steady. There won't be spectacular jumps like in the 90s or big fall like in 1998.
One thing for sure, the capitals control are in for housing loan, ie you cannot have 100% housing loan. In the 80s/90s you can even have 110% housing loan. So, in a way, property price will not shoot up spectacularly as it is much more difficult and expensive to speculate.
Property to get rental income is no longer very attractive - still attractive if you really have the cash. It does not make sense cause the rental yield is very low and it is not sufficient to cover your interest payment. It used to be very attractive (> 10%), I used to have an apartment that I bought for < 300K and I got rental of 3.5K per month and my loan payment is only 1.5K per month. Then when the property boomed in the mid 90s, I sold my apartment for big profit rather than take slow monthly gains.
Take note that every property transaction will make you poorer - the agent's commission, the stamp duty, the legal fees etc etc. Unless you are rich otherwise it is difficult to play properly in the property market.
Actually rental is a viable option as well especially if you are not sure of your long term directions. People always think that your CPF money is wasted if you are not using it - not true. You can use your CPF money to pay interest of your housing loan (the bank taking away your CPF money) or if you keep it there it can be a sizeable savings when you retire. There is really no single best way in dealing with it - it really depends on the individual factors involved.
As for car, if you are thinking of a car as a means of transport (for convienience or necessity) then a second-hand car is really a good deal financially. Yes, you won;t have the smell of a new car but because the second hand car is cheaper (although you may end up paying almost the same monthly installment as a new car) but in reality you got a good deal especially when things are not certain and you won't lose much if you decide to sell your second hand car.
The value of a car drop is the biggest during the first year and you won't have to be a rocket scientist that you can have a bargain for 1 year old car. Or if you really want it cheap, you can have a 8/9 year old car or even COE cars.
Actually it make perfect sense for first time car owner because you won't worry about banging your car because it is a old car. If you bang your brand new car you heart will feel the ache.
It is important we buy a house within our capability otherwise the interest of the big housing loan over the long period will kill you - very slowly that you may not notice.
In land scarce singapore buying a house is a good bet - irregardless of location. Those in choice district are for the rich. For most of us, any location that is convienient for us is good enough.
The way I look at it property price in general will appreciate over time. Except when in the high-end apartments in choice district - this is where the rich will play, appreciation will be slow and steady. There won't be spectacular jumps like in the 90s or big fall like in 1998.
One thing for sure, the capitals control are in for housing loan, ie you cannot have 100% housing loan. In the 80s/90s you can even have 110% housing loan. So, in a way, property price will not shoot up spectacularly as it is much more difficult and expensive to speculate.
Property to get rental income is no longer very attractive - still attractive if you really have the cash. It does not make sense cause the rental yield is very low and it is not sufficient to cover your interest payment. It used to be very attractive (> 10%), I used to have an apartment that I bought for < 300K and I got rental of 3.5K per month and my loan payment is only 1.5K per month. Then when the property boomed in the mid 90s, I sold my apartment for big profit rather than take slow monthly gains.
Take note that every property transaction will make you poorer - the agent's commission, the stamp duty, the legal fees etc etc. Unless you are rich otherwise it is difficult to play properly in the property market.
Actually rental is a viable option as well especially if you are not sure of your long term directions. People always think that your CPF money is wasted if you are not using it - not true. You can use your CPF money to pay interest of your housing loan (the bank taking away your CPF money) or if you keep it there it can be a sizeable savings when you retire. There is really no single best way in dealing with it - it really depends on the individual factors involved.
As for car, if you are thinking of a car as a means of transport (for convienience or necessity) then a second-hand car is really a good deal financially. Yes, you won;t have the smell of a new car but because the second hand car is cheaper (although you may end up paying almost the same monthly installment as a new car) but in reality you got a good deal especially when things are not certain and you won't lose much if you decide to sell your second hand car.
The value of a car drop is the biggest during the first year and you won't have to be a rocket scientist that you can have a bargain for 1 year old car. Or if you really want it cheap, you can have a 8/9 year old car or even COE cars.
Actually it make perfect sense for first time car owner because you won't worry about banging your car because it is a old car. If you bang your brand new car you heart will feel the ache.
For the hypothetical $1m. Well, it depends on your age. If you are in your 30s (early) then the best would be to use part of it to buy a house. So you use your CPF to pay for part of the house and use your CPF to service the loan.
Say you buy a 1M property and use 500K cash. CPF take care of the rest (lumpsum & installment). With 500K cash you should invest in a mixed of equities, funds, bonds and FD. If you invest correctly, you should double that (easily) in 10 years. After 10 years you still have 1M and your house will be hopefully 40% paid.
You can go for rental (ie you don't use your cash at all) if you are really investment savvy, ie you can double your 1M in say 5 years.
Say you buy a 1M property and use 500K cash. CPF take care of the rest (lumpsum & installment). With 500K cash you should invest in a mixed of equities, funds, bonds and FD. If you invest correctly, you should double that (easily) in 10 years. After 10 years you still have 1M and your house will be hopefully 40% paid.
You can go for rental (ie you don't use your cash at all) if you are really investment savvy, ie you can double your 1M in say 5 years.
ggal, Actually taking 10yrs loan is not 100% bad if you know what you are in for. I mean I also take a long loan for my car but because I want cash at hand for investment purposes. If you take 10 year loan because of budget contraints - then you have to be prepared to stick with your car for a long period of time - u can't afford to sell them without making substantial loss.
Thanks Simpleman... good advice. I really really dun mind 2nd hand car. In fact I hate the new car smell cos I always feel nauseous smelling it (VOCs) Now have to try to convince hb on this. Any recommendation on where to find good reliable 2nd hand cars??
Cactus, my hb did the spreadsheet himself!! He has the nos but he is just being emotional abt the car buying issue now.
Cactus, my hb did the spreadsheet himself!! He has the nos but he is just being emotional abt the car buying issue now.
cecilialim
Active Member
rara! thanks for informing ya
i got a shock too when i logged in (before you sms me) how did u get my number btw?
that petty woman... sigh.. i forgot there's such a thing liao and she can still remember...
that petty woman... sigh.. i forgot there's such a thing liao and she can still remember...
cecilialim
Active Member
everyone had lunch??
i so sleepy.. now at vivocity.. so crowded.. wanna watch 300
i so sleepy.. now at vivocity.. so crowded.. wanna watch 300
salsa_babe
New Member
ceci....wat happened?
u wanna watch at vivo? very crowded leh...
u wanna watch at vivo? very crowded leh...
ggal, since you and your hubby don't see eye to eye, I guess the best is not to buy a car yet. Just let the feeling sink it a bit.
Just imagine having bought the car and calculate all the expenses that powder has indicated.
Just wait for a while. Then perhaps when you two sit down again, you can come to a compromise.
Most of the time our decisions are emotion-based. I say this because with a car, we cannot but be seduced at times. I fall into this trap as well. When you cool down, do your sums and try to detach the emotion, you may be able to arrive at a more rational decision.
Just imagine having bought the car and calculate all the expenses that powder has indicated.
Just wait for a while. Then perhaps when you two sit down again, you can come to a compromise.
Most of the time our decisions are emotion-based. I say this because with a car, we cannot but be seduced at times. I fall into this trap as well. When you cool down, do your sums and try to detach the emotion, you may be able to arrive at a more rational decision.