Y is a man in his 50s..earning only 1.5k per month having kids? N his wife don't work? Tat is bs as he is living beyond his means..
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Chitchat Left with 50 dollars in wallet and 200 in the bank.....10 may 2016
- Thread starter lifeafter41
- Start date
Y is a man in his 50s..earning only 1.5k per month having kids? N his wife don't work? Tat is bs as he is living beyond his means..
Just transferred the monies to him......not much, 300, hopefully enough to tide him over till month end.
Understand the wife used to be working, but due to parents falling sick, quit her job to look after them, recently the mom passed away, but now the father got problems.....
Seems the cycle never end with financial headache.....
Was thinking once the father passed on, he will have to grapple with his kid education fees, (University etc, though with scholarship or bursary will definitely help). And there after, they will have hit late fifties or early sixties, with not much to retire on, another headache.......
Have spoke to him about renting out one room to his flat. But he pointed out as the father got problems....the pangsai, pangjio issue. Potential tenants might be turned off by it.
Selling the flat and downgrade could be the next option.
Also ask him to consider Uber for some side income, part time basis.....
Anybody here doing that, with advice would be appreciated......
Not sure what is the criteria for getting the vouchers, but they might very well suggest downgrading before giving. In any case, he should consider all options if his bank account is really empty. At least he has his family and friends like you.
Perhaps he was earning more than that when he decided to have a wife and kids. :(
Maybe his basic pay was also higher then? Taking ot pay as standard earnings is a recipe for disaster, in fact, having any positive assumption about your job is a recipe for disaster. Always work hard and hope for the best but expect the worst.
You will be surprise that quite a number of people actually count on OT as standard earnings. Make hay while the sun shine is the rationale....
Isn't that is what friends are for? You scratch my back I scratch yours? Hee!
[video=youtube;cv1oPvSg5G0]https://www.youtube.com/watch?v=cv1oPvSg5G0[/video]
Ask the kiddo to check at the general office for financial assistance, study hard and earn those bursary awards.
There's ST pocket money fund or something like that, tap into it.
Where's Comcare and the what nots? Most important, has he seen his MP?
This type of cases, you generally should not expect your money back, but sometimes you may be pleasantly surprised. Don't be so calculative.
bro; like your pattern...tomoro will always be better if there're more folks like you
i did the same twice several years back...
if he starts saving and investing now and saving at least 50 percent of his income,there might be a chance he can still retire when he reaches his sixties.....otherwise hes going to be looking at a lifetime of working until he dies.honestly i dont see how it is possible to support a kid,a wife and his father on a $1500 income....obviously the wife has to go out and start pulling her weight or the boat might sink altogether,and he has to start working two jobs......also he has to find someone else to help look after his dad,either a sibling or a relative.i dunno how much does elderly hospice care cost nowadays.it is temporary but there is no choice........
honestly i have no clue why daft sinkies dont plan for anything especially the poorest,dumbest most uneducated ones.....three generations of nobody planning for jackshit and this is what u get,a giant snowball of shit that has been piling up for some time.....if u are twenty something years old its still understandable if u havent got ur affairs in order,but even the youth today has a high understanding of fiscal responsibility and financial literacy and some has already build portfolios of upwards 70k in their twenties and a few hundred k in their thirties.dont they have the slightest medical coverage?emergency funds?or long term savings?is the only solution when something happens is to sell ur hdb flat?sometimes if u are rich and wealthy,u wonder why do u have to go about paying for the stupidity and ignorance of others,obviously there are some that are genuinely suffering even though they try to do the best thing.but others especially daft sinkies are just asking for it themselves......economics is the study of how human beings fulfill unlimited wants with limited resouces.....its obvious ur friend has had unlimited wants from day one and no clue how to go about fulfilling long term...its amazing how some people can get married when they are twenty two and have kids when i dont even dare to buy a $1.5k laptop cause it might be harmful to my long term financial well being.
honestly i have no clue why daft sinkies dont plan for anything especially the poorest,dumbest most uneducated ones.....three generations of nobody planning for jackshit and this is what u get,a giant snowball of shit that has been piling up for some time.....if u are twenty something years old its still understandable if u havent got ur affairs in order,but even the youth today has a high understanding of fiscal responsibility and financial literacy and some has already build portfolios of upwards 70k in their twenties and a few hundred k in their thirties.dont they have the slightest medical coverage?emergency funds?or long term savings?is the only solution when something happens is to sell ur hdb flat?sometimes if u are rich and wealthy,u wonder why do u have to go about paying for the stupidity and ignorance of others,obviously there are some that are genuinely suffering even though they try to do the best thing.but others especially daft sinkies are just asking for it themselves......economics is the study of how human beings fulfill unlimited wants with limited resouces.....its obvious ur friend has had unlimited wants from day one and no clue how to go about fulfilling long term...its amazing how some people can get married when they are twenty two and have kids when i dont even dare to buy a $1.5k laptop cause it might be harmful to my long term financial well being.
Agreed with you. The trouble is that they don't teach this in school.
Do not judge people by your own experience, Those hanging around PA normally do that, take money and run.
This type of cases, you generally should not expect your money back, but sometimes you may be pleasantly surprised. Don't be so calculative.
Frankly, I feel it does not matter whether he pays back or not. 300 is not a big sum. I know the family and him well enough to know he is not that type of person.
As JW5 bro have said, don't be so calculative.
Always look on the bright side and persevere like Dr Chee Soon Juan.
There are many rag to rich, rich to rag stories to tell you the vicissitudes of life.
Just don't give up.
A friend in need is a friend in deed.
Those self proclaimed elitist wannabe type from pa/grassroots cum internet warrior like forummer JohnTan tend to be very calculative.
Make hay is correct...but to spend OT pay like is normal pay is why this friend is in trouble.
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