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

hweebs,

what's there to win? is there any glory? this is precisely the reason why locals dun go beyond their potentials...

i'm in this whole motivation/financial talks purely becos i want our generation to grow in finances together... and not be ahead for the sake of boasting rights... u might wanna refer to the many posts i have made to 'educate' pple on their mindsets... i am absolutely not keen to be on top of mountains Alone. it's more fun when u have a big group... then we can help the next generation together...

i was not flaming u, but i dun wanna lie to u that u'll get nowhere with the current set of thinking and attitude u possess.
 


Hweebs

Maybe you would like to seperate your money into 'savings' and 'capital'

What you need daily, to survive the 2 years is taken from your savings.

What you need for your business is your capital which can be obtained in alot of ways not just in your bank account. Through loans, cost control, low overheads depending on your business. You might want to source for new ways to get the capital. Not to discourage you but if the minimum necessities is affecting your business cash flow, you might want to reconsider your plans
 
hweebs,

Not to add to the various comments about you really but just an observation.

I noticed and commented that you have been trying to play your counselor role when you tried to "analyze" in the various posts you made in other threads..

So, when you made those analysis, are you trying to "teach" us something? And "who" are you to try to teach us - just to put your question back to you.

As you see, this is a forum. As much as you have a right to analyze and provide your "expert" opinion.. others too can provide they views about you.. And it is pointless to question if other people has a right to question you.. But posting in this forum, you are open to all sorts of comments.

I am not siding with May. Yes, she is direct and hits directly - probably not very tactful but you can either choose not to engage her or ignore her.

Back to your "views" on finance. Indeed you are very ancient and really financially illiterate and naive.
 
sm,

when i play the counsellor role in other threads, it's to a call for help: the TS requests for infor and for help, so I provide. Here, I did not request for any help. I do not need strategies. I am not asking people how I should conduct my business. So why 'teach' me when I dun want to be taught?
 
vios,

I am not seeking anything or looking for opinion or answer. I was just encouraging bedok to set up business if he wants to but must have spare cash around, that is all. Then people start jumping at me
 
Well u need help, tat's why pple are extending that to u... Thinking u do not need help does not address your obvious need for it. "yalah, after hweebs is more settled in her business, will be saving to buy a shophouse :P now is not just 27 years but probably 60 years of debt *faint"

Bedok prob brings in more income than u and definitely has a better mind than u, I know that for certain. U throw a tantrum instead of seeing the wisdom and well-meaning lessons...
 
unsolicited help = kaypo when you should mind your own business.

powder u want me to tell u how to live your life? i can go on and on telling you what is wrong with you and your life. But you want that? You will like that? You will benefit from that? You wouldn't. So I dun give unsolicited help.
 
hweebs, come on. This is a forum. Everyone is exchanging opinion. You were mentioning my tone was aggressive in other thread. Look at yours here. I was really kind of pissed and losing patience with stubborn folks that ask for advise over self imposed problems and refusing to acknowledge and deal with them. This forum is full of it.

Let's cool down. Its okie that individuals have differing views and risk appetite. Its okie that you prefer not to venture with your own reasons. But you cannot expect others to simply agree with them. For the more investment savy folks, naturally, they would point out some of your concerns are self imposed. You can choose to think about that feedback. Its really no harm to consider how you could make better use of your reserves. Else, you could respectfully disagree without turning in such nasty tone.

Frankly, to call others as kaypo in a forum is really a low blow. And all the 'u win' stuffs is kind of childish too. Kind of surprised that you turned the conversation this way. Chill it. Have a cup of nice ice milo. I just had mine. CHEERS!
happy.gif
 
hweebs,

im posting this because of freedom of expression on this forum NOT out of desire to help you. trust me, no one wants to help someone who Needs help but Rejects it.

i deduce from your postings that you could be rather tight financially in real life. go ahead and continue to struggle because it is your choice.

i joined this forum after reading it for some time because i like the advice that the regulars here give. i find that i can benefit from interacting with them.

i certainly would not come to this forum if it were dominated by people like you.

because you know what? i disagree with most of the suggestions you have ever given. personally, i find that the ideas had originated from low-level mode of thinking. some of the ideas from frankly downright silly.

you used the word "kaypo"? a forum is normally full of unsolicited comments, suggestions, offers of advice and help. i think it would be more appropriate if you set up a private forum where you can be the chairwoman and dominate all the time, since you operate from the perspective that no one can comment on you.

you used the word "kaypo" .... you deserve harsher words from me .... because you know what? some people are better than you, so they should be accorded with their due respect. but you refuse to acknowledge this fact .... and you are rude ..... things can get very bitchy and we can come up with worse language to describe people like you ... but i will save it because i do not want to ruin the tone of this forum.

same as what i describe to Vios, we dont talk maths with people who cannot count to ten. i save my breath for now. and no, this is not to help you ...
 
May, LOL.

once again, you displayed your fiery tongue. That's why no matter how GENTLE you claimed to be with your ex spouse. Somehow, I believe your nature instincts are sure to be exhibited in the relationship and surely bruised his little ego. You need a man that is more confident about his own esteem. Else, it can be really intimidating.
happy.gif
Am I wrong? ;)
 
May, in fact, that's a part of my ex that scares me. Too aggressive for my comfort. I needed to feel more needed in the relationship, not like an extra. Probably not what guys like powder would prefer.

I can be great pals with ladies with strong muscline traits as they are normally less sensitive and more straight forward.

But, I like my woman to be really gentle and I be the muscline one. keekee.
 
May, u r fine being yourself. Just need the 'true love' and the 'one'. LOL.

There are definitely men out there that appreciate the woman in you.

In fact, it was her strong personality and confidence that 1st attracted me. She was a small small gal with a big ambition and expectation. Ironically, it was the reason why it strain the relationship eventually too. She was clinging too tightly to the need to protect and guard herself. With me opening myself completely with her to convince her, I soon got sting so badly that I'm bruised all over. I had nothing more to offer and felt I was never able to fulfill her. That's when I knew I had to let go.
 
yes, as a woman i certainly need THE ONE, REAL LOVE, TRUE ROMANCE OF A LIFETIME, or else i think i will die.

and most of all

LOL~
 
yoz Hweebs, you felt that mainly because u were too keen to defend your views on finances liao... but actually for me, at least you are not the kind who exludes a vibe of "i-think-i-know-alot-of-stuffs-when-i-actually-don't" - particularly, coming from Scope....

... who has always been part of this "funny cultural desert".
 
yeah, finding the true love across the continent is what everyone should do...

anyway,

"i'll get my dad to Finance my cafe..."
"i'll manage the multi-millions Empire..."
"my brother Stakes usd 1 million per night"

and....

"women Pay me to sleep with them."
 
milo,

thanks for the ice milo!
happy.gif


do u guys have the experience that sometimes u are just talking about stuff which u know what to do and want to do, that you are talking and just want others to listen, then all of a sudden people start to think that you said because you want help and everyone starts to problem solve for you, when all you want is a listening ear? tat's how i feel right now lor. When i say i will be saving for a shophouse, and probably be in debt for 60 years, it is a decision that i have made. In reality, it will really probably take 60 years in normal circumstances to repay. My finances may get better, and I may pay it off earlier, but in reality, it will really take around that long. And if I have decided to go for it, it means that I am willing to take up this 60 years of debt. It is my decision and choice. It may be hard, yes, but I am committed to buying and paying, because I want to. I want to, and am willing, so why I need any more help about it? It is not as if I dun want to pay or want a quick way out. I say I want and I will, tat's all.

I am not in this forum to show i am good or anything. I am not even here to socialize or make friends. I am just here to try and help people in need. So, please do not think that I am trying to teach people anything, or feel the need to teach anyone anything. I only write to speak to TS to help him/her with his/her problems, that's all.
 
hweebs,

if u are having the materials i desire, the success i desire, then yes - even if i'm 55 and u are 30, i would still listen to u for nuggets of wisdom.

it is precisely the reason why we read books and network... to find solutions to our problems. and the biggest problem will always be - Ourselves.

u brought up your issues, or should i say your lack of achievements... and u are trying to get there on your current state of mind... which most can tell that u will end nowhere, and they bother to tell u... but u take it the wrong way and rebel simply becos the words aren't pleasing to your ears...

i'm surprised u wanna counsel pple...

tell me, how can u teach pple how to be a millionaire in this thread, when u are in constant worry over toothpaste and bills? in what context, what authority, what experience, what knowledge - would u have Anything viable or worthy to add?

it's much like if a 7yr-old walks up to tell u how to make your first million. but yours is much worse becos i would not expect much from a 7yr-old... but from a 27yr-old, u obviously dun possess the mental attributes to even get to a 5-fig paycheck within the next decade.

the whole thing has to do with u, and u take it personally... If anyone tells me personal things which will result in my getting to my 1st million in the shortest time, i'd say thank u, and i will listen intensively...

but u obviously prefer to be the U that u are now... so u will stay with your toothpaste and handphone bill worries.

u represent a minority group of pple who will never make it on your Current mindset, yet still wanna argue as if u have already made it. make your 1st 100k in cash first... before u speak of anything else or that 1million.

i am open to any criticsm, but tantrum-inspired outbursts makes little sense from a person who wants to counsel and teach pple how to get to a place she's never been and unlikely to ever be.
 
powder,

if you have noticed, i did not ever try to teach someone to be a millionaire in this thread. Because I don't know how to! Read through all my replies...you will see that I did not give any advice
 
that's a shallow way of covering up...

u were encouraging bedok on setting up a biz... and what is the purpose of setting up a biz? to lose money? prior to that he was talking abt big bucks etc...

the basis of your encouragement n advice and the projected destination has to be taken into account. there Must Be a Purpose...
 
Vios,

LOL~ Still childish as ever.

But then... isn't this the real world? LOL~

As Hweebs said, everyone has his or her own story. As many it is so, those who made money from stocks call themselves gurus and denounce others as stupid because they don't make as much or didn't follow them...

But when their fortunes turn... those big mouths disappear.

The 'wisdom' shown here... is just pure greed. You'd never repent, even if it harms the society.

And your quotes of mine I have already explained, but you refused to listen.

One thing is clear cut, everyone has his/her own life, if you are doing nothing against your soul, it'd be ok. If you think relationship is but a decision... then don't come crying when you can't decide for your men's dicks...

If you think frying tulips shows you are so capable... then don't become Adam Smith. If you people think you are Gods... hopefully you don't have judgement days.

Business... the rise and fall, I have seen many.

You can mock, but I prefer to stay cautious... Many people win, and gamble bigger... You are the type who thought everyday will be a bed of roses.

Ain't you aware your little (twisted) quotes here of mine reflect something very wrong with you? LOL~

Fine. Let's hope it'd be all Ups and no Downs for you people.

A forum of heavily flawed personalities... LOL~

If anyone really has so much WISDOM in making sure money to teach Hweebs... Why not go teach Temasek how not to lose that much money? Since I think all of you are smarter than those specially hired experts...

LOL~
 
scope...

1. we're talking different amount of money...

2. making money and inheriting it from daddy are 2 differently skillsets.
 
Powder,

You think this PM doesn't inherit anything eh?
Money is money, where got different amount?

Don't come talking about so much excuses. If your wisdom works... why so much excuses?

Go lah, go tell the trade minister how to make big sure money with your wisdom, or go Temasek and tell those smarties there you are better... It's still investments and doing businesses...

If you are aware of the differences, why are you mocking Hweebs? She wants a stable life with perhaps lesser materialistic pursue and more life for other things, and you people mock her.

Please... How much WISDOM you people got I am very aware. LOL~

Yes. You have super skill set to mock and teach...

The government needs such people like you... Please go and teach Temasek how to do business. You are too good for Hweebs.

Look at you people...

Childish... and ignorant, yet... so assertively defensive for... nothing. LOL~
 
delusional person. that's the Examples which u claimed ealier, isn't it?

and nope, u didn't explain much, u used very out-of-point examples... in fact, u left me hanging by a thread by labelling me as "greedy" from the very start. speaking of individual stories, why shld i get labelled by someone who doesn't work for his own money? and downplay hard work??

and u tried to flavour it up by subsequently simply citing your theory of "future gens"... then what are you doing abt it except for waiting for inheritance and migrating? Very lame.
i didn't say it will be bed of roses forever, pls show me which part of my posts said that. i emphasize on putting up a good plan and work towards the dreams/goals, but you keep talking about your fcuking Entertainment. so who's sleeping on the bed of roses, really?

what's with you and your half-baked analysis?
nothing much. just going in circles and circles without any validity. one-big fcuking screwed up person, you are.
 
and that's pretty much You - here and in real life, isn't it? nothing value-added, nothing else to "validate" your points, so gotta resort to name-calling just to look better. who's the fcuking childish and ignorant one?

and, don't be a fcuking gu-niang. there's no need to use Hweebs as a fcuking cover to hide your lack of exposure on this finance issue. but that's always you - try to mislead when no one is mocking at her... yeah, try harder.
 
Vios,

As I have said, if you guys are so good to mock and teach... don't limit yourselves with those petty trashy excuses... and share your wisdom to those ministries and not little girls like Hweebs and 'stupid delusional' guy like myself. LOL~

Or...

Is that what you people are ONLY good at?

LOL~

Don't tell me your best skillsets are only of such peanuts... and you are in the HIGH order to mock and teach?

GLCs are making huge losses... I think they will welcome your skillsets, and FINE expertise cum advises... Ie. if they even want to bother about you people. LOL~

Vios, Powder and the rest...

Who do you think you are?

You can't even leave a small girl alone, and you want to berate others, and condemn her for her attitude... LOL~

If you think the money involved is too big for Temask... why not teach YOG how to save more money?

If you still think YOG's money is too big for your wise involvement, why not go teach Durai how to make more peanuts?

Half-baked analysis... LOL~

If you people are so good... pray that your luck shines forever. But look at Ming Yi... he went to temple like you eating humburgers... His luck still ran out.

So get the drift... and stop talking nosense. If you people really have wisdom to share... I suppose this meritocratic PM will need your... professional advises. LOL~

Still... Who do you think you are, when you can't even leave a little girl alone? Does bullying a helpless girl makes you people feel better? LOL~

Ciao.
 
there you go again....

just love to create a character (out of 'poor little' Hweebs) to protect yourself... do you really think she needs that, esp. from you? everyone could see what the fcuk you're up to. speaking of "mocking" and "teaching", who do you think you are - to teach Hweebs to be a better counseller with basis of "true love"?

what temasek? what ming yi?

wa lau.... try to divert your lack of exposure, yet again. what's new man?

for once, be a man. pls comment about yourself and my views towards your mentality.
 
hweebs,

when i play the counsellor role in other threads, it's to a call for help: the TS requests for infor and for help, so I provide. Here, I did not request for any help. I do not need strategies. I am not asking people how I should conduct my business. So why 'teach' me when I dun want to be taught?


I make it simpler for you. 2 fundamental issues here.

Firstly, there are instances of posting that TS asked for one thing - not asking for counseling but you went ahead to provide your "counseling" advices. I am quite sure I can dig out a few examples.

Secondly, even if you really are not asking for advices.. but this is an "OPEN" forum, you will still be "invited" comments/advices based on what you posted. You can't say people are kaypoh. Who is not kaypoh here. You mean you always post to the point and not at all at kaypoh and trying to analyze for other people. Did the other TS asked you to analyze their bf's or hb's behaviour?

If you can't take any advice or comment, you can just ignore it. Else you can rebuke it. But losing your head over comments over your "financial illiteracy" shows your "lack" of emotional intelligence..

And really like May Ong, I am also questioning your suitability as a counselor.. not because of your lack of financial knowledge but because of the way you responded. It showed a lack of emotional intelligence which is an important attribute required for a counselor.
 
Vios,

Be a man... What Temasek, what Ming Yi...

What this what that?

Are you so stupid? If you are only that smart, why should I be wasting time with you?

If you people condemn Hweebs' mentality or attitude for wanting so little... and you people should set something much higher! Help Temasek!

She is a counsellor of likely relationship matters, this is the forum of what? Matters of the heart. And you are talking what? Money. Is she a financial consultant? Is this a Financial Forum?

Are you thinking straight to worth my time even?

So... be a man, tell me... when are you going to cut the craps?

If you don't understand 'relevance', how to mock and teach like Mr Big-fvck Scope here? LOL~

So... ... Don't come telling me what I am wrong she is wrong and you people are so right when really... you people can't make sense.

If Dad has his business, what's wrong with a son inheriting, and branching out? Eh? Is it your problem? Is that your family matters? Are you God to judge? And who says I am financing a cafe not from my own pocket?

Is this your business?

So kpo... so big fvck... and all you want is a puny million... talking about it in a forum 'Matters of d heart', and you dare to call people delusional? LOL~

Am I sounding like an attention seeker here?

Still, if you guys think you are soooooo good, sooooooo right... This government is making many cases of losses... and having so huge overheads for YOG... Go and advice them!

What Temasek, what Ming Yi...?

PM inherited a regime of billions of reserves... Go and mock him lah~ Tell him he no skillset, so so many losses.

Why?

You people ONLY have guts to bully a small little girl and talk rubbish to Mr Scope Guy... LOL~

How admireable...

I don't need your views on my mentality. I am so lacking in exposures that maybe I should listen to folks who won't even leave a little girl alone... LOL~

Got to go. I got a movie to catch. I know you people won't repent, anyway.

True love... I love to watch movies...
 
coming back really fast each time you leave, don't u? Ciao for less than 30 mins.

"Am I sounding like an attention seeker here?"

For sure u do.
 
Woah... so fiery in here.

Need some advise here (sorry to borrow TS' thread since we're on topic of making money)

What is the best way to make 50K (cash) in a year? I know the amount is very small to some... but I just wish to make this extra 50K to pay off a family member's debt.

My current job's salary is only enough to pay off my monthly bills and personal debts, with little left for savings.
 
don't be a fcuking moron. this thread is about "advising people on the common ground", not abt advising the govt bodies, and fcuking useless bums like you.

u kept talking abt what's wrong this, what's wrong that - with your fcuking dreams.
then when people like me talk about self-attained achievements, you tell me what's the big fcuk?

then i'd say, fcuk your mentality .

what a big joke. seriously, does Hweebs really need you to talk about her? you're too keen to hold onto something to prove nothing at all.
 
Vios,

This FORUM is about matters of the heart, not about the root of all evil... LOL~

I really have to go. It's really entertaining...

Yeah, I am useless bum and you people are sooooo great. So what's the big deal, Vios? Just go on and talk to yourselves. You are tooooo good for government bodies, anyway.

Or you think those ain't PEOPLE running those bodies? LOL~

Have a nice day spouting nosense!
 
u've got nothing worthy to add, so gotta resort to twisting words - as if no one could see that...
really, really Lame.

pls fcuk off then.
 
Milo, renting is not possible because my current flat is very small.

Yes, thinking about taking a second job... but don't think there is any PT job that can pay close to 50K a year. Even if I do take a PT job, still have a long way to go.

Maybe wanting to earn that amt in a year is unrealistic for me?
 
i am the thread starter.

anyone who questions why this thread is in the Matters of the Heart Forum probably failed his A-levels GP, if he even had the qualifications to go to JC, or even his O-Levels English.

i started this thread because it bothered me that my former PIL used their money (which they purported they had) as a means to demean me. this i was clear. so i wanted to make more money.

although this is an open forum and people have the rights to come into this thread anytime, i declare that i do not welcome comments from people with sub-par IQ.

thanks.
 
hweebs, I've just read thru the entire thread abt ur exchanges with the rest and I feel u are being too defensive. Be open to learning more new things, the rest here are trying to give u more suggestions on how not to be in debt for 60yrs. Take it positively ya?

and who is bullying hweebs here? u think u are being damn heroic by 'standing up' for her when its clearly not the case? She doesn't even need ur 'help', what a joke.

if we are childish and ignorant, then what makes u? modern day superhero who wears his underwear outside?
 
Ariel, of course your posting is welcomed. i was targeting my remark to gibberish that is turning up everywhere in this thread from clinically insane people.

Ariel, you can try becoming a part-time property agent. this is quite a lucrative job.
 
may, scope is not those ppl with sub-par IQ wor...he got high paper qualifications one ok?

but then again...studied until so high also no use, freaking childish in thinking.
 
i never said Scope is that. in fact, i think he is both brilliant and altruistic. i will vote for him to government anyday so that he can make Singapore more prosperous.

we should all give his comments more respect. this guy is a visionary.
 
Ariel,

50k in a year is tough when u're starting from ground zero, the toughest part being the initial few months.. Do note that the quicker avenues are unlikely to let u earn 4k per month over 1yr, but likely to be nothing for initial months before a collective amount towards the end. I'm referring more to commission-based methods as the most obvious.

Getting in on real estate would be the most likely and accessible avenue, but u probably need to hide your desperation for the financial motivational u're off the ground. Besides that, there,s also the peripheral ways thru referrals.

U can also work on a deal that requires 6-8mths of work, and pays u a lump sum of abt 50k at the end of it... If it's a lesser payoff, u can setup an internet biz in the meantime just on a try-your-luck-but-must-work-hard basis. At the same time Becos u have a 1yr timeline, u might wanna optimize the lull portions of your weekends to take on jobs which others won't take on over weekend.

This last part requires more willpower and has obvious risks... U can set aside 1k to go to the casino n try very objectively to Leave with 2k. Keep your 1k and use that 1k to generate $200 each week.. Like I said, willpower, know when to stop. If u lose on your 1st visit, u just need to raise 51k, not much difference.

There are many ways to skin a cat so the more pple u talk to, the more ways I'll have... U just need to fine-tune one that works for u.
 
Ariel, the options given about property agents are quite feasible. Just generate as much as you could within the time frame. For the remaining, to meet the deadline, you could loan from your own insurance bonuses. It will probably get you a few thousand more.

Instead of casino, I would prefer football / online betting. But, be aware, its illegal in sgp. It need not be a crazy gamble. If you study it enough, you would understand the more worth betting ones. In the long run, its profitable. But, this one is really high risk. Your emotions can easily get over you especially if its money you cannot afford to lose. Chances are you would lose them because your decision making will be highly affected by the stake. The worst bets are the so called 'sure-win' matches. Those are the ones that we should bet small against. Because the odds is so pitiful, one shock result and you cannot mathematically recovery from it at all.

One way of betting is to combine several low risk and odds matches to increase the odds. You compound the risk to bring better odds. Overall, you would win even though there are some shock results.
 
Thanks May, Powder and Milo

Yes, in fact I've spoken to a property agent friend to find out more about the job and what it entails. Understand totally about the income coming at the tail end of many months.

Powder, what is the "U can also work on a deal that requires 6-8mths of work, and pays u a lump sum of abt 50k at the end of it" - what kind of deals?

Haha, both casino and football betting crossed my mind too! Just that I pushed the thoughts away because from young, have been taught that gambling is "bad". But I've toyed with the ideas lately. Only problem is, I've never stepped into a casino in my life and the only game I can play is probably the jackpot.

Actually, the one year deadline is set by myself. I just want to pay off that family member's debt asap. If it's unrealistic I'll have to relook at the timeline.
 


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