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๐ ๐ด๐ต๐ณ๐ฐ๐ฏ๐จ ๐ณ๐ฆ๐ญ๐ข๐ต๐ช๐ฐ๐ฏ๐ด๐ฉ๐ช๐ฑ ๐ค๐ข๐ฏ๐ฏ๐ฐ๐ต ๐ด๐ช๐ฎ๐ฑ๐ญ๐บ ๐ด๐ถ๐ณ๐ท๐ช๐ท๐ฆ ๐ฐ๐ฏ ๐ฆ๐ฏ๐ซ๐ฐ๐บ๐ฎ๐ฆ๐ฏ๐ต ๐ฐ๐ง ๐ฆ๐ข๐ค๐ฉ ๐ฐ๐ต๐ฉ๐ฆ๐ณ๐ด' ๐ค๐ฐ๐ฎ๐ฑ๐ข๐ฏ๐บ, ๐ช๐ต ๐ธ๐ฐ๐ถ๐ญ๐ฅ ๐ข๐ญ๐ด๐ฐ ๐ฉ๐ข๐ท๐ฆ ๐ต๐ฐ ๐ฃ๐ฆ ๐ฃ๐ถ๐ช๐ญ๐ต ๐ฐ๐ฏ ๐ด๐ต๐ณ๐ฐ๐ฏ๐จ ๐ง๐ฐ๐ถ๐ฏ๐ฅ๐ข๐ต๐ช๐ฐ๐ฏ๐ด. ๐๐ฆ๐ฆ๐ต๐ช๐ฏ๐จ ๐ฆ๐ข๐ค๐ฉ ๐ฐ๐ต๐ฉ๐ฆ๐ณ๐ด' ๐ง๐ณ๐ช๐ฆ๐ฏ๐ฅ๐ด ๐ข๐ฏ๐ฅ ๐ง๐ข๐ฎ๐ช๐ญ๐ช๐ฆ๐ด ๐ข๐ฏ๐ฅ ๐จ๐ฆ๐ต๐ต๐ช๐ฏ๐จ ๐ต๐ฉ๐ฆ ๐ด๐ต๐ข๐ฎ๐ฑ ๐ฐ๐ง ๐ข๐ฑ๐ฑ๐ณ๐ฐ๐ท๐ข๐ญ ๐ข๐ด๐ช๐ฅ๐ฆ, ๐ฉ๐ฆ๐ณ๐ฆ ๐ข๐ณ๐ฆ ๐ด๐ฐ๐ฎ๐ฆ ๐ต๐ฉ๐ช๐ฏ๐จ๐ด ๐บ๐ฐ๐ถ ๐ฎ๐ข๐บ ๐ฏ๐ฐ๐ต ๐ฉ๐ข๐ท๐ฆ ๐ค๐ฐ๐ฏ๐ด๐ช๐ฅ๐ฆ๐ณ๐ฆ๐ฅ ๐ต๐ฉ๐ข๐ต ๐ข๐ณ๐ฆ ๐ต๐ฉ๐ฆ ๐ค๐ฐ๐ณ๐ฏ๐ฆ๐ณ๐ด๐ต๐ฐ๐ฏ๐ฆ ๐ฐ๐ง ๐ฐ๐ถ๐ณ ๐ณ๐ฆ๐ญ๐ข๐ต๐ช๐ฐ๐ฏ๐ด๐ฉ๐ช๐ฑ ๐ฉโโค๏ธโ๐โ๐จ
1๏ธโฃ ๐๐ป๐๐ฒ๐๐๐ถ๐ป๐ด ๐๐ผ๐๐ฟ ๐ณ๐ถ๐ฟ๐๐ $๐ญ๐ฌ๐ ๐๐ผ๐ด๐ฒ๐๐ต๐ฒ๐ฟ
Looking at the standard of living in SG these days, (we opened Grab the other day and canโt help but to be a little surprised that a ๐ from a fast food chain could cost $10, a la carteโฆ) we really believe that earning a salary and saving cannot be the only means of money management anymore and investing has shifted from an option to more of a necessity.
๐๐ปโโ๏ธ๐๐ปโโ๏ธ ๐ผ๐๐ ๐๐๐๐๐๐๐๐๐๐:
๐ Is one of us more into investing?
- If that is the case, should that partner be in charge of strategising your monthly contributions and allocations? Are you both comfortable with that?
๐ Are we figuring things out together?
- Sometimes, having a partner to do things together can add a fun element to a mundane task; and having someone to be accountable to can also speed up your progress, provided you are both committed to actually starting!
๐ Are we going about this 50-50?
- There may be some income disparity, or personal commitments in your circumstance, it is important to work out something you are both comfortable with
๐ Are we comfortable combining our money or should we have our own accounts?
- Donโt rush into something you may not be ready for, finances is a sticky thing especially when it comes to separation.
- ๐ค If there is even a shred of doubt, collaboration could be a better option than joint because that involves A LOT of trust!
๐ The good news is that if you start on this early, when the time comes for a wedding / renovation downpayment - youโll find that this fund is pretty handy!
2๏ธโฃ ๐๐ผ ๐ผ๐ป ๐๐ผ๐๐ฟ ๐ณ๐ถ๐ฟ๐๐ ๐๐ข๐ก๐ ๐๐ฟ๐ถ๐ฝ ๐๐ผ๐ด๐ฒ๐๐ต๐ฒ๐ฟ
Not your 3D2N JB or BKK trip but that is a start, especially if you are young. We have a very strong stance that dating is a completely different experience than living your lives together (showing up at your best / happiest for a couple hours VS having to deal with each othersโ habits, temperaments, bad days etc on a daily!)
Going to a completely foreign environment is such a strong test of how you can show up for your partner. How?:
๐๐ปโโ๏ธ๐๐ปโโ๏ธ ๐ผ๐๐ ๐๐๐๐๐๐๐๐๐๐:
๐ Who pays for what?
- Plane tickets, accommodations, daily expenses โฆ is it all 50-50? Or?
- What if 1 partner wishes to do something the other doesnโt particularly enjoy? (Does he/she then pay? Is the other party okay with that being in the itinerary?)
๐ Is my partner dependable? Am I pulling my own weight?
- Navigating is going to be complex, these countries are all bigger than SG and have an extensive train system + you may be dealing with some foreign language as well
๐ Are there any potential conflicts we have to be aware of?
- How do you handle give and take? If it is imbalanced, are both parties okay with that?
- Are there any tension points you didnโt see coming?
- Can you imagine living with any of the above every single day?
๐ If you can get through all that and still have a great time, congratulations - you are on your way to yearly trips like us because travelling is such a fun way to make new memories!
3๏ธโฃ ๐๐ฐ๐๐๐ฎ๐น๐น๐ ๐ง๐๐๐ ๐ฎ๐ฏ๐ผ๐๐ ๐๐ผ๐๐ฟ ๐ณ๐๐๐๐ฟ๐ฒ ๐ด๐ผ๐ฎ๐น๐
Children, Housing and Money are big topics - throughout your life together you will definitely be going through different seasons and phases where your priorities will change even personally as well so it is important to have open conversations and stay aligned for any relationship to work long-term!
๐๐ปโโ๏ธ๐๐ปโโ๏ธ ๐ผ๐๐ ๐๐๐๐๐๐๐๐๐๐:
๐ Joint Account - do we need it? What is the point of having one?
- For us, weโve gone through investing, splitting expenses and paying for a renovation before having a joint account for future child planning purposes!
- Combining finances is actually a huge commitment and trust, simply spending out of it didnโt seem concrete enough for us โฆ be careful also - Mik has had several friends lose everything in nastier break ups ๐คฃ
๐ Children - do we intend to have one? And in how many years?
- A child is going to be your commitment for at least the next 18 years, not to mention child birth costs have increased significantly over the last 2 years alone ($10K with epidural 2022 & $13K without 2024 in TMC ๐ - from a close friend)
- Oh, and primary school allowance is no longer $2 a day like we were given last timeโฆ (where are the 90s babies at ๐คฃ)
๐ Housing - are we going to BTO?
- The BTO completion will take a couple of years, and it may seem tempting to just try your luck early on but you should also be very aware of the costs incurred if you were to give up your BTO at various stages (the ballot is the cheapest haha, following which it would be upwards of $10K in most cases)
- Will your combined income cross the income ceiling?
- If not a BTO - Is a private property a need or a want? Are we okay with resale or SOB?
- Is there an eventual goal to flip our property?
- Do we intend to get a second property for investment purposes - if so, is it wise to tie up both names in the first, or do we have other options?
4๏ธโฃ ๐๐ผ๐ถ๐ป๐ด ๐ณ๐ผ๐ฟ ๐ผ๐๐ฟ ๐ณ๐ถ๐ฟ๐๐ ๐ณ๐ถ๐ป๐ฎ๐ป๐ฐ๐ถ๐ฎ๐น ๐ฟ๐ฒ๐๐ถ๐ฒ๐ ๐ฎ๐ ๐ฎ ๐ฐ๐ผ๐๐ฝ๐น๐ฒ
Being in the FA industry for > 15 years combined, Leo and I actually have monthly and yearly financial meetings for ourselves to ensure we are on track for our goals (we are looking at $1M cash by 40, and grow it to $3M by 65 so we can live a very very comfortable lifestyle off a robust dividend portfolio ๐) Considering we are only 10 years away from that goal, we are pretty disciplined with ourselves in order to stay ahead! ๐ for what we talk about in our financial meetings, ๐๐ป follow us to be updated in the next post!
๐๐ปโโ๏ธ๐๐ปโโ๏ธ๐ฝ๐๐๐๐๐๐๐ ๐๐ ๐พ๐๐๐๐๐ ๐๐๐ผ๐๐๐๐๐:
๐ Big goals seem less daunting when you work on it together
๐ You are a team - if any one party is falling short on his/her personal planning โฆ it could very well derail what the other one has built too :(
๐ As Asians, it may be difficult to broach โtoughโ conversations - even if you wanted to you may not know where to begin! That is where a professional could really help to facilitate the conversation
๐ After all, what could happen? Either 1) you are both assured that allโs good and you move on with a peace of mind and clarity, 2) you discover new opportunities you never thought of before, or 3) you walk away with +2 new friends to have deep conversations with - since youโve read all the way till here, you must find what we say makes a lot of sense hehe :)
๐๐ช๐ด๐ค๐ญ๐ข๐ช๐ฎ๐ฆ๐ณ: ๐๐ฐ๐ฏ๐ต๐ฆ๐ฏ๐ต ๐ฑ๐ถ๐ต ๐ฐ๐ถ๐ต ๐ช๐ด ๐ฎ๐ข๐ช๐ฏ๐ญ๐บ ๐ง๐ข๐ค๐ต๐ถ๐ข๐ญ ๐ข๐ฏ๐ฅ ๐ข๐ค๐ค๐ถ๐ณ๐ข๐ต๐ฆ ๐ข๐ด ๐ข๐ต ๐ต๐ช๐ฎ๐ฆ ๐ฐ๐ง ๐ธ๐ณ๐ช๐ต๐ช๐ฏ๐จ, ๐ข๐ฏ๐บ ๐ฑ๐ฆ๐ณ๐ด๐ฐ๐ฏ๐ข๐ญ ๐ต๐ช๐ฑ๐ด ๐ข๐ฏ๐ฅ ๐ฐ๐ฑ๐ช๐ฏ๐ช๐ฐ๐ฏ๐ด ๐ข๐ณ๐ฆ ๐ฑ๐ถ๐ณ๐ฆ๐ญ๐บ ๐ฐ๐ถ๐ณ๐ด ๐ข๐ด ๐ช๐ฏ๐ฅ๐ช๐ท๐ช๐ฅ๐ถ๐ข๐ญ๐ด ๐ข๐ฏ๐ฅ ๐ช๐ฏ ๐ฏ๐ฐ ๐ณ๐ฆ๐ญ๐ข๐ต๐ช๐ฐ๐ฏ ๐ต๐ฐ ๐ข๐ฏ๐บ ๐ฆ๐ฏ๐ต๐ช๐ต๐บ ๐ฐ๐ณ ๐ฐ๐ณ๐จ๐ข๐ฏ๐ช๐ด๐ข๐ต๐ช๐ฐ๐ฏ. ๐๐ฐ๐ณ ๐ฎ๐ฐ๐ณ๐ฆ ๐ช๐ฏ๐ง๐ฐ๐ณ๐ฎ๐ข๐ต๐ช๐ฐ๐ฏ, ๐ด๐ฑ๐ฆ๐ข๐ฌ ๐ต๐ฐ ๐บ๐ฐ๐ถ๐ณ ๐ต๐ณ๐ถ๐ด๐ต๐ฆ๐ฅ ๐ง๐ช๐ฏ๐ข๐ฏ๐ค๐ช๐ข๐ญ ๐ค๐ฐ๐ฏ๐ด๐ถ๐ญ๐ต๐ข๐ฏ๐ต
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