life problems rgding parents and my future
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...................theres too many foreigners in spore bringing down salary
indian degrees in higher management position as well as burmese and rich brunei degree holders.
then u need to cope with phiillippino dgree holders with their "fake "degrees
then china degree holdwers kn e gineering
then malaysian diploma n degree holders.
all have diplomas n degrees from spore n overseas recognised by employers.
there are estimated 500,000 of these educated people in spore.
30 years ago there wasnt much of them but today its way harder.....................its your decision.
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Originally posted by Shortcake78:
Hi all =D
Thank alot for all the new replies, advices and the care and concern. And thx again for those tat have perviously replied and adviced.
I currently have decided on the following for now:
- Think and find what degree course i really want and like to study before i ORD
- Take a full-time degree from either SIM/MDIS after my NS
- Find and get a part-time job during my 3 years of studies, so as to gain some income and working experience
***But i am still very worried, lost and can't seem to solve the following 4 problems:
- Money problem: When my dad retires at 70, how am I going to pay for all the bills? Though I think my dad has some savings but I think it’s not much to last long
- After i get a private degree i will be already abt 26yo and with starting pay of abt 2K to 2.3K/mth. Cause from what i hear private degree holders get much lesser pay and slower pay increment than local gov (NUS/NTU/SMU) degree holders right?
- Will i be able to hit the 3K/mth mark in 4 years of work when i hit 30yo? Cause by then my dad will surely retired as he will be 70 or 71yo already.
- As i have roughly calculated tat i need to earn abt 3k/mth to be able to pay for my mum's expensive medical bills (2k+/mth), house bills, insurance, my parents and my daily expenses. With nothing left to save which i don't mind as long as my parents are taken care off and not have to suffer.
Once again, any helpful advice, past similar experience, comment or feedback or links on my problems above 4 problems will be much appreciated. My background info is at the top.
Thank You. I just want to let u guys know tat every reply and advice given to me makes a difference and is aidding me in getting one step closer to finding a solution to slove my life problems, thx and god bless.
"I hope to see the light of this neverending dark tunnel soon...."
*Shortcake*
Yes indeed, you are a worry wart Mr Shortcake.
Your parents can live till 70 years old or not, that is still an unknown.
Your family is renting or you are living in HDB ?
Other than your mother's medical bills, how much is the mortgage and how much longer till it's completely paid off ?
I would suggest you read up on Mr. Tan Kin Lian's blog or website.
www.tankinlian.com
http://tankinlian.blogspot.com
He provides a lot of useful financial/insurance information for people like you. Attend the financial planning workshops when you can.
As for your point number 2. Perhaps you are refering to government organisation. In the private sector where every industry is result oriented, your work performance is the key to your success.
How much you can earn after your degree and how fast you get your increment depends on your field of work and the company you work for.
What kind of profession are you considering ?
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Originally posted by jojobeach:
shortcake,
A degree does not guarantee your career success. What it does is increase your career ceiling.
Higher positions in the corporate world always require a degree minimum. But it does not means that anyone with a degree is eligible, you still have to prove your capability first.
However, without a degree, even when you are the best person to take that promotion after working hard for years at the company, the management will not be able to promote you because you lack that piece of paper. You will likely be bypassed by someone more junior than you who does have a degree.
NUS/NTU or other government funded universities are more recognized because they are well established and employers know the curriculum and standards well.
If you prefer private, just make sure you go with the well established brands, not some kuching kurak Universities name no one ever heard of.
It's all about credibilities. Their teaching staff and curriculums.
People in higher managements are alumnis in private, public funded and/or overseas universities themselves. So private or public doesn't really matter.
Personally, I prefer private universities because they tend to be more flexible and customer oriented. Although they tend to be more expensive. ( I think, so do your research on the costs).
Good universities , private or public, teach the same core subjects anyway ( with minor differences in electives etc.) So either way you won't go wrong.
Know what you are good at, and find your own path.
You should consult your parents on the financial decision. It's foolish to put yourself in a quandary without finding out the real position first.
Your mother's condition is not dire yet. And your father doesn't seem to be in a financial fix either.
If they are willing to financially support you on top of their current financial liabilities, then you should graciously accept their assistance and do your best in your academic achievements.
All parents wants to be able to provide for their children, it's their pride and joy. Besides, it's only for the next 3 years, better than having to subsidise you for the rest of your life right ?
The last thing they want is uncertainty on your part. If you are unsure of your decision/ability to finish the degree well, then it's best you don't waste their money.
If they clearly expressed their inability to provide financial support, then you have to figure out your own way to pay yourself through school or seek full time employment.
However, in life, you have to expect the unexpected. There will be situations when events can change all your well thought out plans. Just learn to adjust and adapt.
Good luck.
Only low IQ folks and illiterate people end up in NUS or NTU.
If they were so good, the children of the leaders including the prime minister will not be attending MIT and Oxbridge..
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Hi, thx again for the new replies guys =))
Please do keep them coming thx, they are really helpping me think, reflect and giving me more options to choose from.
*** I think i most likely have decided to take up a business related degree at SIM/MDIS, maybe something like business management or marketing degree or hotel management, cause i do not like accountings, engineering and IT.
Btw sry i won't be able to reply for the next few days cause i will be booking in camp ltr
- Money problem: When my dad retires at 70, how am I going to pay for all the bills? Though I think my dad has some savings but I think it’s not much to last long
- After i get a private degree i will be already abt 26yo and with starting pay of abt 2K to 2.3K/mth. Cause from what i hear private degree holders get much lesser pay and slower pay increment than local gov (NUS/NTU/SMU) degree holders right?
- Will i be able to hit the 3K/mth mark in 4 years of work when i hit 30yo? Cause by then my dad will surely retired as he will be 70 or 71yo already.
- As i have roughly calculated tat i need to earn abt 3k+/mth to be able to pay for my mum's expensive medical bills (2k+/mth), house bills, insurance, my parents and my daily expenses. With nothing left to save which i don't mind as long as my parents are taken care off and not have to suffer
Once again, any helpful advice, past similar experience, comment or feedback or links on my 1st post and also the 4 problems above will be much appreciated thx. My background info is at the top 1st post.
Thank You. I just want to let u guys know tat every reply and advice given to me makes a difference and is aidding me in getting one step closer to finding a solution to slove my life problems, thx and god bless.
"I hope to see the light of this neverending dark tunnel soon...."
*Shortcake*
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in fact, have you consider part time degree instead?
since you are taking a private degree, i would suggest you taking part time degree. reason being, part time degree may take longer but at the same time you may work.
besides, you are able to study while you are serving your Ns. although i nt sure what vocation you are. so you can start during your ns year perhaps next in take during march? i m not too sure about that. how long to get the degree wise, i m not too sure. perhaps 3 - 5 years? so by working and studying at the same time, you can contribute some $ to the family at the same time further your studies along and gain some working experience. these couple of years might be your hardest years. but then again, if u succeed going thru this years. perhaps your life might change when the day come.
i m not sure if someone suggest what i have mentioned as i have only read your first post and your last post. so yea. if my suggestion is repeated. then jus ignore. ;)
i'm also a nsf that is studying con currently.. ;D
jus my 2cent worth of thoughts dude. ;)
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Originally posted by Shortcake78:
Hi, thx again for the new replies guys =))
Please do keep them coming thx, they are really helpping me think, reflect and giving me more options to choose from.
*** I think i most likely have decided to take up a business related degree at SIM/MDIS, maybe something like business management or marketing degree or hotel management, cause i do not like accountings, engineering and IT.
Btw sry i won't be able to reply for the next few days cause i will be booking in camp ltr
Mr shortcake,
Unfortunately, you are excluding the more lucrative professions based on your post.
While a general management degree is a degree, it is also the most available and the easiest to attain. Meaning there is a big supply pool out there.
When a profession has a high barrier of entry, high market demand, and limited supply pool, it becomes very lucrative.
So if you are looking for bigger, faster $$$, taking the easy route ain't gonna cut it.
That is why professions in science and engineering are so well paid. IT not so much, because of global outsourcing ( ie.India) meaning there's a huge supply pool out there at cheaper costs.
Think about what kind of position and department you want to work for in a corporation. HR, Legal, PR, Ops, Finance/Accounts, Customer services, Tecnical, RnD, etc. What kind of degree do they look for ?
Bear in mind that a support based job is not as lucrative as one that brings in revenue for the company.
In choosing your profession, try to match it to your personality and/or consider your inert abilities.
Example, Don't go into marketing when your language and communication skills are lousy.
HR means it's all about policy, implementation and human relations.
Don't become a teacher if you are impatient and don't like kids (duh~)
A lot of students choose what they think is easiest to score/complete, but didn't think about if they will fit into these kind of work after they graduate.
As you go into the workforce, more options will open up for you. Not forgetting NS is a good place to build up your networking buddies.
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Hi, thx again for the new replies guys
Sorry for the late reply was in camp for the past few days and will be gg in again tmr...
Please do keep them coming thx, they are really helpping me think, reflect and giving me more options to choose from.
- Money problem: When my dad retires at 70, how am I going to pay for all the bills? Though I think my dad has some savings but I think it’s not much to last long
- After i get a private degree i will be already abt 26yo and with starting pay of abt 2K to 2.3K/mth. Cause from what i hear private degree holders get much lesser pay and slower pay increment than local gov (NUS/NTU/SMU) degree holders right?
- Will i be able to hit the 3K/mth mark in 4 years of work when i hit 30yo? Cause by then my dad will surely retired as he will be 70 or 71yo already.
- As i have roughly calculated tat i need to earn abt 3k+/mth to be able to pay for my mum's expensive medical bills (2k+/mth), house bills, insurance, my parents and my daily expenses. With nothing left to save which i don't mind as long as my parents are taken care off and not have to suffer
Once again, any helpful advice, past similar experience, comment or feedback or links on my 1st post and also the 4 problems above will be much appreciated thx. My background info is at the top 1st post.
Thank You. I just want to let u guys know tat every reply and advice given to me makes a difference and is aidding me in getting one step closer to finding a solution to slove my life problems, thx and god bless.
"I hope to see the light of this neverending dark tunnel soon...."
*Shortcake*
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hi TS....I think after ns work full time and study part time better , i know someone who took this route from a admin asst now senior manager making 150 K PA before 30 yrs old , but this person of course lucky and also diligent determine with good EQ ... from my subordinate became my boss if stay in same coy
TS actually not to worry during i just ORD, 20 yrs ago a lot of my fren and myself situation also like u or lagi worse but still make it thru in the end .. but it is commendable for being filial which I only learned when I was older
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Hi Shortcake, I did not read other's thread, but maybe you can take up night class and at the same time keep your full time job and wages.
Afterall, your parents are old. And it is better that you work and try to support your aged parents.
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Originally posted by Markee:
buy some of these and hope for the best....
One week twice, there are always at least 1 big winner per week, why is it not my turn yet ? WHEN IS MY TURN ?
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Hi, thx again for the new replies guys =))
Sorry for the late reply was in camp for the past few days.
Please do keep them coming thx, they are really helpping me think, reflect and giving me more options to choose from.
**Until now i still can't solve or find a solution for the following problems....plz help thx.
- Money problem: When my dad retires at 70, how am I going to pay for all the bills? Though I think my dad has some savings but I think it’s not much to last long
- After i get a private degree i will be already abt 26yo and with starting pay of abt 2K to 2.3K/mth. Cause from what i hear private degree holders get much lesser pay and slower pay increment than local gov (NUS/NTU/SMU) degree holders right?
- Will i be able to hit the 3K/mth mark in 4 years of work when i hit 30yo? Cause by then my dad will surely retired as he will be 70 or 71yo already.
- As i have roughly calculated tat i need to earn abt 3k+/mth to be able to pay for my mum's expensive medical bills (2k+/mth), house bills, insurance, my parents and my daily expenses. With nothing left to save which i don't mind as long as my parents are taken care off and not have to suffer
Once again, any helpful advice, past similar experience, comment or feedback or links on my 1st post and also the 4 problems above will be much appreciated thx. My background info is at the top 1st post.
Thank You. I just want to let u guys know tat every reply and advice given to me makes a difference and is aidding me in getting one step closer to finding a solution to slove my current and future life problems, thx and god bless.
"I hope to see the light of this neverending dark tunnel soon...."
*Shortcake*
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there is no model answer to solve your problem. and many like you some worse they still pull through. i think if you really cannot get the answer you should seek professional help. i read your first post and after that i see your reply like spamming. i hesitate in giving advice already. you seem to highlihgt the money problem alot. i have doubts on that.
the best solution i can tell you is.
so worrying about your problem for a while. throw it aside. after ORD - get your ass out there and go to work.
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Originally posted by Shortcake78:
Hi all, I am StressBoy, a Singaporean, thank you very much for reading this, any helpful advice, comment or feedback will be sincerely appreciated thanks. Lastly, sorry for being very longwinded here and my poor language used here.
I have been facing the following problem, it’s causing me to be stressed and sad everyday and sometimes also angry with myself whenever I think about it. This is sadly a daily affair because it’s a life problem regarding my parent’s and my future.
My Background info:
Father: 60+ years old, only primary school education, working as a private school bus driver earning about 3K/mth or maybe a little more. He is going to retired in about a few years time as his bus is going to reach its maximum usage age thus needs to be scrapped. And it cost too much to buy a new or secondhand bus as business is not as good as before too many competitors. Not sure what he is going to do after that or just retire and enjoy his old age as he should deserve it, he has been working hard for most of his life, wakes up 5am comes back at 8+pm. I am proud and thankful of him.
Mother: 50+ years old, only primary school education, housewife and follows my dad’s bus as a conductor, sadly about 3 years back she suddenly gotten Kidney Failure due to the cause of taking too many medicines since young as my mum has not been a very healthy person, she for example has asthmas. She now can only live if she has a kidney transplant or do not miss her kidney dialysis sessions every week which is very sad. She now has to go Kidney Dialysis 3 times a week at a private dialysis clinic, which cost about $200 each time so tats about $2400/mth excluding medicines, checkup and monthly doctor appointments. Luckily she has a government insurance called “medishield” I think to subsidize her maximum of $1000 every month, but this subsidization has a limit of I think 200K then we are on our own. Therefore, for now my dad still can handle her bills. We tried asking about NKF, but due to my father’s earning it will only be just a little lesser than the private one she is going now which has a good professional doctor and staff and also I heard that NKF staffs are sometimes volunteers in my opinion is not good as it’s a matter of life and death if you what I am trying to say, I believe Life > Money.
Elder Brother: Late twenties, Married, earning about I think 3 to 4K/mth excluding his wife, not sure how much she earns. Has a flat with his wife far away from us. But problem is that his wife controls as in really control all his cash and him, so he has never contributed to the family income since he worked. I am not very close with him due to the age gap, to me he is the root to my main problem as being the eldest son he doesn’t even contribute a single cent even when now my mum has such a serious and expensive illness. But, my mum is ok with that as he is her most favorite son as long as he comes back home to see her she will be very happy already, but sadly such as a easy task he also can’t do due to him been overly controlled by his wife, he doesn’t come back much like only 1 or 2 times a month that’s all. So when my dad retires my parents only has me to depend on, which I don’t think I can handle such important and heavy responsibilities on my own.
Lastly Me: I am, male, single, 21 years old this year, when I entered NS, I started thinking about my future and all these problems started to surface. I will ORD or finish my NS next year August. I have a Electrical and Electronic Diploma (DEEE) from the Singapore Polytechnics with a GPA of 2.8. But I do not like engineering, just got into the course because I followed my friends, which is one of the bad decisions I made in life. This GPA is not enough to get me into a local university unless it’s a private one like SIM or MDIS. I currently do not know what I want to work as or have a dream job, but I know I do not want to sign on as a regular for the SAF as I need to be in Singapore at all times in case of an emergency at home as my brother is either very hard to contact or nearly impossible to get to.
Thank You again for your patience for reading the above, I just wanted to be clear and accurate and not miss out on anything important. Please leave my brother out of the solutions thanks, as I think he is hopeless unless he leaves his wife, but that is impossible as he love her a lot.
Now for the problems I am and been facing:
1) Should I continue to get a 3 years business degree in one of the private universities after my NS? Money wise I think I can get a bank study loan. Because a diploma holder’s pay will be surely not enough to pay for my mum’s medical bill what more my parents and my daily expenses and house bills.
2) Money problem: When my dad retires, how am I going to pay for all the bills? Though I think my dad has some savings but I think it’s not much to last long. As a diploma holder I can only get like a starting pay of below 1.8K/mth and after like 10 years I think I can’t even hit the 3K/mth mark without a degree.
3) What jobs do you recommend I should work excluding engineering if I don’t continue my studies and not sign on SAF for the reason I stated above? How to find my ideal or dream job?
4) Any real estate agent out there can tell me more about your job? I am kind of interested about it. Will it be a good job for my current situation? Cause I heard if I can work hard I can earn good money, is it true? I plan to be single so as to be committed to my job to earn as much as I can to support my parents to give them a comfortable live like they work hard for my brother and me.
5) Where can I get further free counseling or consultation or advice on my problems?
6) Any helpful financial advice or experience will be appreciated also thx a lot.
Any helpful advice, past similar experience, comment or feedback or links on my problems above will be much appreciated. Thank You.
Pardon me if i missed out any other details in your later replies. I just browsed through them.Do find a chance to talk to your elder brother. Forget about the fact that the both of you aren't close.
Whether he is married or not, he is still a part of your family and is every bit your parents' son. It's his duty too to take care of your parents, and in your case, your mum's especially.
Isn't what they always teach us in school? Filial piety. Your parents have worked hard to provide for the both of you over the years. It is only to be taken for granted that he should return the favour.
From my point of view as an outsider, I feel that he hasn't done enough for your mum.
He could have spend more time with your mum. Perhaps, bringing her for dialysis or check ups. Or he could try to drop by to have meals with your parents whenever he could.
Yes, he is married now and have to spend time with his wife and also need to have his own personal time but it won't hurt him to drop by and visit your parents and spend time with your mum to help sooth her pain and all the suffering that she has to go through because of her kidney failure.
What your mum needs most now is the care and concern of you guys. She is going through a lot because of her disease. Every parent in the world would miss their kids once they move out and i'm sure, your mum feels the same. Your brother being back often would be sure to lift her spirits.
Financially, I'm pretty sure, he could have done more for your mum too. He should help to pay for your mum medical expenses since he's already out working and is having a regular income.
I do not believe in pathetic excuses such as the purse strings are controlled by his wife. He's a guy for goodness sake. And it's his mum here we're talking about. What right does his wife have to stop him to help to fork out part of the medical expenses?
True, they may have their own plans in the future. Perhaps they are saving up for a kid, for his education or to buy a car. But he ought to do his part as a son too.
Do have a talk with your dad too.
Find out more about your family's financial situation. Whether the medical expenses are too heavy a burden for him to handle and what plans does he have after he retires, how is he going to pay for your mum's medical expenses.
Who knows, it may actually be your dad that doesnt want your elder brother to fork out any money in the first place.
Or your family's financial situation is actually rather secure and your dad already has retirement plans.
Don't rush into any decisions without finding out all the facts first. Know about all the facts and then after proper consideration, make the decision that you feel is correct or rather more appropriate.
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Hi all, thx again for reading my problems and for the new replies guys.
Btw sorry for the late reply was in camp for the past few days, will be gg in tmr again...
***KaurexO_o thx alot for yr advice, and i think you point out an important fact that i didn't totally find out or understand what's my dad's retirement plan is, i will try to ask him abt it asap when the chance arrives, but i think it's not an easy topic to ask. >.<
Please do keep more helpful comments, advices coming thx, they are really helpping me think, reflect and giving me more options to choose from.
Thank You
"I hope to see the light of this neverending dark tunnel soon...."
*Shortcake*
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Originally posted by Shortcake78:
Hi all, thx again for reading my problems and for the new replies guys.
Btw sorry for the late reply was in camp for the past few days, will be gg in tmr again...
***KaurexO_o thx alot for yr advice, and i think you point out an important fact that i didn't totally find out or understand what's my dad's retirement plan is, i will try to ask him abt it asap when the chance arrives, but i think it's not an easy topic to ask. >.<
Please do keep more helpful comments, advices coming thx, they are really helpping me think, reflect and giving me more options to choose from.
Thank You
"I hope to see the light of this neverending dark tunnel soon...."
*Shortcake*
Well, it's never easy to talk about this kind of topic. Perhaps you can give your dad a treat. Then talk things out over a meal. -
Originally posted by Shortcake78:
Hi all, I am StressBoy, a Singaporean, thank you very much for reading this, any helpful advice, comment or feedback will be sincerely appreciated thanks. Lastly, sorry for being very longwinded here and my poor language used here.
I have been facing the following problem, it’s causing me to be stressed and sad everyday and sometimes also angry with myself whenever I think about it. This is sadly a daily affair because it’s a life problem regarding my parent’s and my future.
My Background info:
Father: 60+ years old, only primary school education, working as a private school bus driver earning about 3K/mth or maybe a little more. He is going to retired in about a few years time as his bus is going to reach its maximum usage age thus needs to be scrapped. And it cost too much to buy a new or secondhand bus as business is not as good as before too many competitors. Not sure what he is going to do after that or just retire and enjoy his old age as he should deserve it, he has been working hard for most of his life, wakes up 5am comes back at 8+pm. I am proud and thankful of him.
Mother: 50+ years old, only primary school education, housewife and follows my dad’s bus as a conductor, sadly about 3 years back she suddenly gotten Kidney Failure due to the cause of taking too many medicines since young as my mum has not been a very healthy person, she for example has asthmas. She now can only live if she has a kidney transplant or do not miss her kidney dialysis sessions every week which is very sad. She now has to go Kidney Dialysis 3 times a week at a private dialysis clinic, which cost about $200 each time so tats about $2400/mth excluding medicines, checkup and monthly doctor appointments. Luckily she has a government insurance called “medishield” I think to subsidize her maximum of $1000 every month, but this subsidization has a limit of I think 200K then we are on our own. Therefore, for now my dad still can handle her bills. We tried asking about NKF, but due to my father’s earning it will only be just a little lesser than the private one she is going now which has a good professional doctor and staff and also I heard that NKF staffs are sometimes volunteers in my opinion is not good as it’s a matter of life and death if you what I am trying to say, I believe Life > Money.
Elder Brother: Late twenties, Married, earning about I think 3 to 4K/mth excluding his wife, not sure how much she earns. Has a flat with his wife far away from us. But problem is that his wife controls as in really control all his cash and him, so he has never contributed to the family income since he worked. I am not very close with him due to the age gap, to me he is the root to my main problem as being the eldest son he doesn’t even contribute a single cent even when now my mum has such a serious and expensive illness. But, my mum is ok with that as he is her most favorite son as long as he comes back home to see her she will be very happy already, but sadly such as a easy task he also can’t do due to him been overly controlled by his wife, he doesn’t come back much like only 1 or 2 times a month that’s all. So when my dad retires my parents only has me to depend on, which I don’t think I can handle such important and heavy responsibilities on my own.
Lastly Me: I am, male, single, 21 years old this year, when I entered NS, I started thinking about my future and all these problems started to surface. I will ORD or finish my NS next year August. I have a Electrical and Electronic Diploma (DEEE) from the Singapore Polytechnics with a GPA of 2.8. But I do not like engineering, just got into the course because I followed my friends, which is one of the bad decisions I made in life. This GPA is not enough to get me into a local university unless it’s a private one like SIM or MDIS. I currently do not know what I want to work as or have a dream job, but I know I do not want to sign on as a regular for the SAF as I need to be in Singapore at all times in case of an emergency at home as my brother is either very hard to contact or nearly impossible to get to.
Thank You again for your patience for reading the above, I just wanted to be clear and accurate and not miss out on anything important. Please leave my brother out of the solutions thanks, as I think he is hopeless unless he leaves his wife, but that is impossible as he love her a lot.
Now for the problems I am and been facing:
1) Should I continue to get a 3 years business degree in one of the private universities after my NS? Money wise I think I can get a bank study loan. Because a diploma holder’s pay will be surely not enough to pay for my mum’s medical bill what more my parents and my daily expenses and house bills.
2) Money problem: When my dad retires, how am I going to pay for all the bills? Though I think my dad has some savings but I think it’s not much to last long. As a diploma holder I can only get like a starting pay of below 1.8K/mth and after like 10 years I think I can’t even hit the 3K/mth mark without a degree.
3) What jobs do you recommend I should work excluding engineering if I don’t continue my studies and not sign on SAF for the reason I stated above? How to find my ideal or dream job?
4) Any real estate agent out there can tell me more about your job? I am kind of interested about it. Will it be a good job for my current situation? Cause I heard if I can work hard I can earn good money, is it true? I plan to be single so as to be committed to my job to earn as much as I can to support my parents to give them a comfortable live like they work hard for my brother and me.
5) Where can I get further free counseling or consultation or advice on my problems?
6) Any helpful financial advice or experience will be appreciated also thx a lot.
Any helpful advice, past similar experience, comment or feedback or links on my problems above will be much appreciated. Thank You.
1) You should continue to get a 3 years education in your desired degree course. BUT YOU SHOULD NOT APPLY FOR A STUDY LOAN FROM BANK. - Because you do not need to be financially burden with paying off your study loan upon graduation.If you are smart enough to study for a degree, then you will need to figure out how to achieve my point 1) to you, without me spoonfeeding you with your options.
2) I am proud of you that you are able to worry financially into your family's future needs. However, DO NOT FACTOR YOUR FATHER'S SAVINGS INTO YOUR EQUATION, because these savings aren't the solution and your father's savings should not formed part of your solution for your family's future needs.
I can give you the golden rule of building wealth....since the Age of Cavemen...
"Wealth isn't about how much money you can earned, it's really about how much money you managed to save"
Instead of worrying about how much you can earn in your future, why not start thinking about how much you can save every month and try to do better than the previous month? - At least you can do this to help yourself and your family financially.
Let go of all the unnecessary luxuries and splurgings and comforts you think you deserved.
Rich people aren't people who knows how to sue other people or buying football clubs overseas or having alot of money in your bank accounts to spend every month or to lose money in casinos.
REAL RICH PEOPLE are people who truly understood the meaning behind saving money and mastered the lifestyle of frugality to the point that it doesn't affects their mental well-being.
3) There is no ideal job in this world. Even if you are President of some blah blah countries, you will still suffer because you are surrounded by real idiots of your own country which you will need to deal with at the same time you are dealing with real idiots from other countries.
It's important for you to break and shatter your own dreams now and begin your career with zero dream.
Because you can only build your own dreams ONLY when you have no existing dreams.
4) If you do not understand the importance of saving money at your current stage, you will only end up spending as much as you earned in the future. And that will only bring you back to square one and you can certainly deceive yourself in your future that you just need to earn more money and more money.
Please take my advice seriously and start learning how to save money and instill it into your blood and core before it is too late for you to do so in your future.
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Originally posted by parn:
1) You should continue to get a 3 years education in your desired degree course. BUT YOU SHOULD NOT APPLY FOR A STUDY LOAN FROM BANK. - Because you do not need to be financially burden with paying off your study loan upon graduation.If you are smart enough to study for a degree, then you will need to figure out how to achieve my point 1) to you, without me spoonfeeding you with your options.
2) I am proud of you that you are able to worry financially into your family's future needs. However, DO NOT FACTOR YOUR FATHER'S SAVINGS INTO YOUR EQUATION, because these savings aren't the solution and your father's savings should not formed part of your solution for your family's future needs.
I can give you the golden rule of building wealth....since the Age of Cavemen...
"Wealth isn't about how much money you can earned, it's really about how much money you managed to save"
Instead of worrying about how much you can earn in your future, why not start thinking about how much you can save every month and try to do better than the previous month? - At least you can do this to help yourself and your family financially.
Let go of all the unnecessary luxuries and splurgings and comforts you think you deserved.
Rich people aren't people who knows how to sue other people or buying football clubs overseas or having alot of money in your bank accounts to spend every month or to lose money in casinos.
REAL RICH PEOPLE are people who truly understood the meaning behind saving money and mastered the lifestyle of frugality to the point that it doesn't affects their mental well-being.
3) There is no ideal job in this world. Even if you are President of some blah blah countries, you will still suffer because you are surrounded by real idiots of your own country which you will need to deal with at the same time you are dealing with real idiots from other countries.
It's important for you to break and shatter your own dreams now and begin your career with zero dream.
Because you can only build your own dreams ONLY when you have no existing dreams.
4) If you do not understand the importance of saving money at your current stage, you will only end up spending as much as you earned in the future. And that will only bring you back to square one and you can certainly deceive yourself in your future that you just need to earn more money and more money.
Please take my advice seriously and start learning how to save money and instill it into your blood and core before it is too late for you to do so in your future.
very rite very rite
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People who told you to do a degree don't have a freaking clue. A general degree from a local college doesn't get you anywhere these days. But at least you gain a lot from the experience. A degree from a private u is to me practically worthless. And you wanna take on a loan and miss out on 3 years of income for that? If I were you I'd look for a sales job. Becoming a realtor is better than selling insurance. Otherwise just get a job and be prepared to do well at it. A few years of working experience will do you good; you can always go back to school in a few years time.
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Shortcake,
I am sensing that you are in that " Learned Helplessness" mode.
I hope you are not suffering from depression or low self-esteem.
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Don't be a realtor, be a TRAITOR.
You see, you will not be suffering from lack of confidence, depression or even low self-esteem if you are a TRAITOR.
Just take a look at Osama Bin Laden, ex-FBI agent but turned traitor against America, look at how confident he is when he says "Death to America", or when he appeared in one of his funniest home-videos.
Let me know if you can find any TRAITORS that is suffering from low confidence, depression, or even low self-esteem.
Don't need to betray your country to become a traitor, you can start by being a traitor to all your unworthy friends and betray them again and again until LAMBS BECOME LIONS.
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TS, I can't advise you cos I'm facing crossroads in life too, although admittedly much less than yours. However, I am lost as well. I did a science dip, but now holding an accounting job, and don't like it, but idk what else much to do, still thinking, wondering, worrying...I regret the money spent on my accounting studies so far, cos I don't seem to have absorbed anything.
Maybe put your studies on hold first?? If you are not sure what you want yet. Otherwise it's a waste of money, time and effort...and your sanity. Not to mention you might feel hopeless after sacrificing so much to study something you don't like/hate, and yet you didn't make much progress...don't make the same mistake as me..
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Hi all =)
Thanks again for reading my problems and for the new replies/comments guys.
Please do keep more helpful comments, advices, past experiences coming thx, they are really helpping me think, reflect and giving me more options to choose from.
Btw sorry for the late reply was in camp for the past few days.
Thank You
"I hope to see the light of this neverending dark tunnel soon...."
*Shortcake*
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u don't have insurance? when i was born already gt uni insurance
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Hihi Jiani
hmm i don't think i have a uni insurance, i have only 1 life insurance and my SAF/NS insurance, thx tho.
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Originally posted by Shortcake78:
Hi all =)
Thanks again for reading my problems and for the new replies/comments guys.
Please do keep more helpful comments, advices, past experiences coming thx, they are really helpping me think, reflect and giving me more options to choose from.
Btw sorry for the late reply was in camp for the past few days.
Thank You
"I hope to see the light of this neverending dark tunnel soon...."
*Shortcake*
Shortcake, be strong ya. Not you suffer in Spore, there are many pple worst than you. They (worst than you) can be strong and face the problems, why cant you?
It is not the end of the world for you. Life is long for you, have faith on yourself, work hard, save hard, enjoy while you can too, one day, you will archieve your goals and objectives.
Dont give up.