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Vegan Food Catering | Vegetarian Catering

Posted By: makanmate catering

Date: Wed, 16 Aug 2023

Price: $23.88

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Makanmate provides quality vegan food catering in Singapore. Offering healthy, delicious vegetarian catering and meals for events and private dining.


https://makanmate.com/catering-menu/vegen-vegetarian-catering/



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Re: 15 years in Singapore!

❰❰ Quote:
Whether remaining employed, calling your own shots, or working without the need to do so, I think the advantage is not having to draw down on the nest egg or consume some of the returns.

One risk of cashing out early is that the income/wealth levels in your area go up faster than expected. I'm sure no one will starve, but the specific cost of living could squeeze people. If you look at how the income and wealth gains are accruing to different portions of the population, this will be a bigger or smaller factor depending on where one is planning to live.

That being said, everyone is going to have a point at which they are comfortable enough and just don't care/value freedom more.
❱❱

Financial independence is a long journey and the whole planning starts long before you actually decide to retire early.

This decision is not something to be taken lightly. There is lots of mathematical calculations and scenario analysis .....

Posted in General Discussions

Re: 15 years in Singapore!

Whether remaining employed, calling your own shots, or working without the need to do so, I think the advantage is not having to draw down on the nest egg or consume some of the returns.

One risk of cashing out early is that the income/wealth levels in your area go up faster than expected. I'm sure no one will starve, but the specific cost of living could squeeze people. If you look at how the income and wealth gains are accruing to different portions of the population, this will be a bigger or smaller factor depending on where one is planning to live.

That being said, everyone is going to have a point at which they are comfortable enough and just don't care/value freedom more.

Posted in General Discussions

Re: 15 years in Singapore!

Yes, indeed, but I don't want to emphasize on the "remain employed". The emphasis is on "don't need to be employed". The whole idea of being "employed" has this negative conotation to it, of being owned by someone.

It started back in the day when people used to work as slaves and had masters. In a workplace, often it is not too different. It is just a glorified version of slavery.

The only way out is if you can call your own shots, set your own boundaries, if you don't feel like working from office you can just decide to work from home, at your own convenience.

The moment you are being forced to do something beyond your own will, you are a slave. You are obeying someone's orders.

To me, what is the point of having all the money in the world, if you have to wake up in the morning and drag your arse to the office, just because your boss doesn't trust that you can work independently?

Posted in General Discussions

Re: Loses money on every property he has bought

If you do a chart of US housing prices and draw a trend line, values were (well?) below trend from 2009 to a couple/few years before COVID. Now, I believe the situation has more than corrected on the other side.

For the last 10-15 years, the SandP 500 return has been in the 12% - 15% range. That has been the opportunity cost of owning real estate over this period. With leverage, the returns on the down payment are probably similar. However, that doesn't account for all of the additional equity put into a property over time via monthly repayments (and what could have been earned instead).

Posted in Property Talk, Housing & Rental

Re: PR Chances in 2024

Applying for Permanent Residency (PR) in Singapore can be a complex process, and while there's no guaranteed formula for approval, certain factors can enhance your chances. Your profiles are strong, with several factors in your favor such as long-term residency, high qualifications, and stable employment. However, given the previous rejections, it is crucial to differentiate this application with additional positive changes and possibly seek professional advice to enhance your chances of approval.

Posted in PR, Citizenship, Passes & Visas for Foreigners