Advice needed on how 30 yo female can become self-made millionaire

Powder,

I don't think you really understand what I am driving at... ...

Besides, my Dad ain't giving me the money to open the eatery... So... ... LOL~ I am checking out the place anyway, and talking with the locals about the prospects.

So what if Dad does aid? It's a good thing, people get to eat fine food, got a place to date and kiss with great music. It's better than dreaming of making it rich and richer and richest doing MLM...

Ok, I want an eatery, but that doesn't mean the talk will go through. Just to illustrate... You can try, but don't get overwhelmed.

Don't get confused.
 


scope,

after reading your daily tirades, i have the following observations:

(1) you seem at heart to believe in moral values

(2) you are overly romantic.

(3) you do not interact enough with people in real life, so that is why you seem to have a hard time understanding the experiences of commoners

(4) you do not read thoroughly what people write and jump to conclusions based on your own mind

(5) you do not try to open your mind to other points of view. you do not acknowledge that other points of view can be valid.

(6) you tend to lecture people when you have not even been through a similar experience. there is a difference between sharing suggestions and lecturing.

(7) sometimes you play the devil's advocate and say things to contradict yourself

(8) you have a lot of things and ideas going on in your head so you want to come here to pen everything down

why dont you try to hang out with HDBers for some time and come back and tell us what it is like. not everybody is a German expatriate or multi-millionaire or whatever. alternatively, stop using your credit cards and start to live on a limited amount of money for half a year. then come back and tell us what it is like. i would really like to know how you will feel to feel what we feel.
 
yeah. and i often wonder about your age. are you 20 years old or just a very, very spoilt 30yo. the way you talk sometimes ....
 
exactly, powder...

that is why some aspirations are often left unfulfilled and in regrets for the longest time, and coming from others' (biased) observations and negativity.

there're potentials and the various path to undertake... of course, not talking abt the harmful measures like what scope kept inferring to.
 
scope, what the fark?

your dreams (eateries, expand dad's business) - Good
your measures (parents' aid) - Acceptable

other dreams/aspirations (increase income, provide better life for family) - Greed
other measures (investments, better-paying jobs) - Harmful to society

tells me alot about your farking personality and your iq
 
May,

1. The basis of decent men community.
2. The basis of my life.
3. I for once was a sales person.
4. I do read.
5. I know what their points are, and validity must be validated.
6. I don't really care if people accept my 'lectures'. LOL~ I am here just for fun.
7. I play devil and angel everytime... everything has both sides, see...?
8. You underestimate my 'ideas'... Why do I need to share in the first place? I have a personal notebook for that. I have my own library of no less than 300 volumes of books... I was a book-worm... btw.

Lastly, I stay in a HDB flat. HUDC or condo or what, it's still the space. It makes no economic sense to pay for a tiny condo when a choice of a bigger space HDB goes for less than half the cost... It's like telling me to invest in Singtel when the price fluctuation is like only 10% when X counter is more risky but sees a likely 100% upswing.

I prefer to be frugal.

I only go for real love, and true utility...

I am just trying to illustrate what is real humor and what is poor taste with the chap from Germany. He was in China for a confidential government deal, but he was humorous despite the serious position he held.

And... I don't use credit cards, my family doesn't trust banks. See? I hate credit cards, even visas. Banks won't get my business in cards. LOL~

We are relatively-averse people, and we hate debts.
 
scope, serious-farking-ly....

you may name yourself so-called god of farking love or some farking semi-pro psychologist, i have nothing to add except the word 'fark'...

but based on the exchanges thus far, you lack the freaking depth for building finances (def abt not handouts or bailouts), and you tried to flavour it up with other people's experiences, whereby i'm giving it a benefit of doubt and still cope-able with the out-of-point parts.

your last few posts have also proven that you don't understand or pretend to understand the main crux of this discussion, which really brought me back to that earlier thread...

and eventually, you needed to talk about some aspiring dreams of your own so as not to appear too laid back or something - but only based on your own terms.

you do know that I (and in particular, powder) understand what the heck you're driving at, but tried to discount us by saying that we don't understand you.

it's real simple. you're not that complicated without all that love talk, you know.
 
Vios,

I never said you can't make money with good opportunities. Read carefully.

But... in Singapore when talents ain't important, the most likely way to make big money is to harm the society. Which is... nothing value-added but just snatch here take there...

You think investing in homes when you get a good cut means NO ONE is paying for it? And when the home prices got so high, you think our children will be able to definitely afford them?

Is that good, is that high IQ?

Are Singaporeans worth the better paying jobs? Nothing value-added, just INFLATION. Sorry, that's my personality here. LOL~
 
Vios and all,

i think scope is just a young boy. everything he told us about rich family and the world of rich people is just a figment of his delusions of self-grandeur. like i asked him about how he doubled his stock returns. his reply sounds bombastic and fishy.

Scope, you keep saying you are here for fun. who is not here for something? some people are here to give advice, some people here are to seek advice, some people just curious. but you make it sound like you are here to look down on everybody. you said you are here for fun, but have you ever thought that you are being funny?

maybe you have thought so lah, that is why you always play the devils' advocate. if the irony of all this is lost on you, then you must be as young as i thought loh.
 
May,

Everyone shalt has his or her own opinion. ^.6

Only heaven knows. LOL~

BTW, if I go Karaoke with peers and have fun, should I look down on anyone? But it's real... I do find many people's thinking here... pretty entertaining. LOL~

I do not love explaining. If you believe it to be fishy or bombastic, it's fine with me.

It's ok. Age to me... no longer matter.
 
i realise something.

scope, you are an internet attention seeker. the same type as those bloggers and twitters. it doesnt matter to you what kind of attention you get, positive or negative, just as long as you get attention.

i suspected this that is why i have been consciously trying to ignore you. but today i have been led by you to give you more attention than you deserve.

so i guess you win lah.
 
scope

you do realise that it's an entirely different tag that you are placing upon others as compared to yourself, don't you?

the way you're going, it only shows that you are too one-sided liao... btw, belated apologies, pls don't mind my language.

but do you serious-farking-ly meant...

that talents ain't important in sg?
hence, the most likely way to make money in sg is to harm society?

yeah right..... good luck on your business ventures, if any.

wa lau, now you're starting to relate the property investments to the eventual ill-affordability for our next gen?

since you claimed beforehand that you have high brain power, how do you want to go abt solving this issue other than lamenting?
 
May Ong,

You don't get it. I don't care about attention, especially from avatars. If I want attention, I'd get more from China blogging... More hot girls, more attention.

I am here just for the fun of it. And when I have entertainment elsewhere... this place is no more use to me. LOL~

You don't know Scope. He bo-chaps the world. I only seek true love, not attention. To me, other women (or guys) are nothing. Their attention worth nothing to me for any ounce of effort to seek...

Like Hweebs, I don't expect to fall in love with Avatars... See?

You need to realise much more. ^.6
 
yoz May

want to look down on people also require knowledge and wisdom but unfortunately, scope doesn't possess it as far as this topic goes...

i just give abit benefit of doubt to the big examples... doesn't really influence me in any way.
 
Vios,

Wait till I become the government. Then I'd give you all the answers.

Your language is nothing. Business or forum or life... it's just for fun.

I even visited black shops for fun... LOL~

If you want get-rich-quick, other than you produce 1000x more, or you must 'snatch' the money by some funny methods. If Singapore doesn't have the talents to make right decisions and make beautiful competitiveness, many career paths will be denied, many great projects will be impossible, and on the whole... that's it.

Just an inflated figure of income... You don't need talents to inflat incomes. You just need power and connections. LOL~
 
hi albee,

Wah so flattered. No lah, i hit 3 liao...not young anymore. If I get married then of course the bill is split and the pressure/stress is not so high...imagine doing it alone lor...quite scary leh. I don't know lah...debts wise makes me quite uneasy, like got guillotine above your head like that. Makes me immobile, and felt that I cannot leave dead end but well paid jobs that will ensure that I am financially comfortable to buy a home.

In the end I let go of my 'house', quitted my job and is now my own boss. Not earning much now, but am happy
happy.gif
 
hweebs, find more strength within... there may be books that may help u unlock some answers... or knots that have been holding u back.
 
powder,

see how lar. Now i'm kinda happy nua-ing plus being boss...who knows, maybe one day business will get so good that 5 digit earning per month is a piece of cake :D
 
of cos i wish that for u... just that going by statistics, hopers get nothing whilst doers get something... so i discourage hoping...
 
yup, but only u'd know yourself if u're doing with a finite goal in mind, or doing for an emotional void u seek.

i dun see many bosses "happy nua-ing plus being boss" and suddenly the biz makes them a millionaire... that's why i made that wish for u...

i can be a director of a company tomoro for a small token of money. it doesn't make me profitable...
 
powder,

We have different lives and different goals. If I somehow get rich while living my fulfilling life, it's an added benefit. Otherwise, I'm cool.
 
scope

then don't lament abt the high hdb prices and blame the upgraders for screwing up our next gen's life....
esp. when you stay easy and do nothing for your children.

i hope you don't mean that the right connection with zero abilities will be compensated by the power of money.... cos i don't see how it can last.
 
Vios,

LOL~ Say, you can make the home price shamelessly as high as a bungalow in the 90s for HDB flats in the 2010 (which were supposedly the basic homes for the people) when the starting pay for people who need such homes are mostly about the same in a more proper spread. It's not a lament, it's a policy issue.

About zero abilities... Do you think your 100% abilities in supporting such nosensical consequence of grossly inflated HDB prices would mean high abilities? LOL~

Remember, your children could be a jobless while in the midst of dealing with the home loans... and banks are now involved in this HDB business for the public service.

Nothing that I do will help my children if I support such nosensical 'frying' the market; besides, the most important thing is, my children must be able to handle their lives. The most I can do for them is to migrate, and get away from such people with such thinking.

Don't try to turn away from an obvious wrong or sin, Vios. You are in support of screwing the next generations' life, why should I lament...? You don't even understand the economic situation of Singapore and you boast of my zero abilities in relative to yours... while I stay easy.

Alot of people are going to get caught in their pursue of wealth in due time... LOL~ Hmm...

"Cos I don't see how it can last..." is something that should be said by myself to those 'fryers'.

Am I really doing nothing for my children? LOL~

What do my children need, Vios? I can leave an empire with a huge cache of reserves on papers for my child... so what? You think he won't go down history as a rot? You think illness will not claim his life? You think the empire will not be lost or the reserves be expended all of a sudden?

What do you think my children need? Think hard, Vios. Is it to support this flying home prices attending to what my children will need?

I don't really live an easy life... though my busy life usually deals with massage, makan, sleep, shopping, travelling and movies... ...

Do I have zero abilities...? LOL~

Only time will tell, Vios.

Say, God loves his children he created... He created a world for them to love... and his children... pollutes, kill each other, pray to Him to kill each other, and fry home prices to sky high and expect to enjoy and go to Heavens when other children have to jump into Hell... LOL~

Is God with all the right connections with zero abilities? What do you think can God do... to make it last?
 
We came with nothing and shall also leave with nothing. Guess what is more important is for one to lead a meaningful/fulfilling life. Even though one should strive to be the best that he/she can be, it's also important to learn to be self-contented.
 
yes, you are seriously lamenting when

- you expect the prices of public housing Not to go up, but remain unchanged. how freaking realistic is that? who doesn't understand the economic situation in sg?

- you don't have a freaking first-hand clue on the unrealistic expectations of Most hdb buyers when it comes to resale. you gathered your info from newspapers, i presume? they have a part to play with unrealistic sellers at the same time.

- you shift the blame onto those first-time buyers or upgraders when in fact, they have had Plans in place for their dreams. and before that, you actually encouraged would-be owners to remain where they are, so that you are Not the only one who are as screwed.

- you don't seem to possess the Self-Ability (we're not talking abt Parental's Entitlements in here) to finance your own business and house, let alone for your own children. and you have the audacity to cite our future generations when most of us don't believe in handouts or bumming?

in short, you are obviously Not the person to go when it comes to making money and fulfilling dreams/goals.

btw, what freaking ability are you talking abt yourself? as far as it seems - Hallucination, you mean?
 
it's actually an old nursery rhyme... but i'm just using it more literally for Anal-boy.... aka 'Scope'... u know? Anal-Scope? hehe... he's like a scope up pple's a$$...

i see him as a weasel, so whenever he appears, the tune plays in my mind... "Pop goes the weasel..."
 
doesn't help that they had Music And Lyrics on channel 5 yday... i love that show! the tunes are so catchy... Pop! goes my heart...... hehe.
 
May,

The key to make that mil $ is in the power of leveraging. Your earlier post dismissed this method, but in reality, that's the answer.
 
oh btw scope, your last post speaks for the lack of exposure in self-created big purchases.

in contrary to how often you love to boast about your freaking iq, i think you seriously need to Think Harder than just that....
then again, maybe all your posts in this very thread.

encouraging the forummers to strive for their dream house or even car - doesn't mean that they do not have to be Smart in their purchase.
encouraging the forummers to strive for their dream career - doesn't equate to forsaking other aspects of life.

very often, people who get eventually "pan-fried" actually make bad decisions in those instances. for such, it is very lame to attribute to factors such as govt's policies?

fancy talking about migrating and getting away from "people with such thinking" when you are not at all special - just plain unambitious and spreading laziness around - ain't it?
 
hi yoongf,

no i did not dismiss the power of leveraging in any previous post. i believe you may be referring to my having tried and failed in Multi-Level Marketing. i was describing my personal failure hence disinterest, not attributing it to any inherent flaw in MLM.

anyway, i will switch on my PM.
 
Vios,

i remember that there was this kid in my JC class. she came from a very poor family but she tried very hard in her studies. eventually, she got into the best class, in spite of this, she continued to feel self-inferior. as a result, she attempted to hijack the lesson whenever she could, interrupting the teacher when the teacher was speaking to say something that she thought made her look smart, asking questions that she thought made her look intelligent.

once, she tripped the teacher's nerves. the teacher screamed at her, saying, "You are just an attention seeker!" after the explosive and humiliating incident, the girl felt ostracised by the class and resorted to more weird behaviour which caused her peers to withdraw further from her. eventually, she ended up labelled as the class weirdo and outcast.

to make herself feel better about herself, she claimed that she was misunderstood because she is more brilliant than anyone else. she told herself that she is different because she is more unique in a more important way.

the last i heard from her, she was not doing very well in her job and was something of a jobhopper. is there a place in society for someone who thinks that she is better than everyone else, without anyone else thinking so? and this person was not even capable of reflecting on herself, but thinks that anyone who disagrees with her is wrong?

naturally, such a person is detested by her colleagues. if i were her boss, i would sack her too, for being so presumptuous. and naturally, someone like that would have no friends since she thinks that she is God.

so what i'm saying is - Vios, it is useless to reason with anyone who thinks that whoever, by virtue of disagreement with him, is wrong. just like we don't talk maths with someone who cannot count to ten. he may believe he is good enough to do calculus, but that doesn't change the fact that every kindergarten maths test he does comes back with a "Fail".
 
To accept PM,

Under Profile... Preferences...

Uncheck the box next to " Do not send me "Private Message" e-mails from other board users".
 
still think is not as a salaried person to earn the big bucks.

it's to collaborate together with the big boys, ie start/sell/list a business.

saying is easy.

I'm now (though not very very very pro-actively) doing everything as a salaried person to learn and acquire skills, expertise and network to fulfil my eventual goal.
 
yea May, i also had one such classmate as well... during my Uni days.

he always spoke with the blardy nose pointed towards the sky, and acted as mr-knows-it-all when he knew nothing. and one thing with me is that, i like to challenge such typical snobs... simply can't resist man. always ended my short conversation with him with short sarcasms such as "yeah, fcuking right" and "who fcuking cares". hehe....

need substance to even try to be snobbish,
but don't have to be snobbish to show substance.
 
bedok,

jiayou la! Actually I think the most important thing is the courage (and blind faith) to take the leap. Usually the leap is not fatal, but many dun dare to jump (scully die how?) What you need is enough cash to last you plus business for one year (or more if you can). Then you jump. Then review in 1 year. If cannot sustain, then at most close and go back to getting salary lor. But u like got many commitments leh...still want to buy house, means dunno how many years in debt liao, how to let go of salary to leap off the cliff?
 
my balls very small now, dare not jump. Some more looking at buying a place to stay as 1st priority and keeping it low too.

That's why house buy cheap cheap lor. I single no one to complain to me if the house is not this or that, I complain to myself, haha.

As for funding, not say need to wait long long lah, just need to be confident of the network I have, then more firm if can make the leap or not.
 

Hweebs, not many can buy a house without borrowing. Without a mortgage loan housing would be very much out of reach until you save up enough cash till 50yo?
 
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