30s-50s chitchat club

[flowerpalms]

my own opinion is that many new home owners rush into reno only to regret things after months or years of staying. be it placement of appliances, switches and powerpoints or pieces of furniture both built in and freestanding.

i feel its best to do basic work to make it liveable then stay for a year or two before doing a proper reno.

That's why have to keep it simple. Muji minimalism. Actually I dun have many things also. Get the essentials first that allow for fast move in.

 

[Lss]

monthly payouts starts at 65 dah. Songz dah.




Life is v short. Ai song song kao tuas & Changi.

if can delay better for more each month. between 65 to 70 can rely on investments beyond cpf imo.

 

[Milo-Dino]

my own opinion is that many new home owners rush into reno only to regret things after months or years of staying. be it placement of appliances, switches and powerpoints or pieces of furniture both built in and freestanding.

i feel its best to do basic work to make it liveable then stay for a year or two before doing a proper reno.

Aiya. Just don't do alot of built in will solve this issue.

If furnitures are standalone, can always move around or sell, much easier.

 

[Dusky01]

my own opinion is that many new home owners rush into reno only to regret things after months or years of staying. be it placement of appliances, switches and powerpoints or pieces of furniture both built in and freestanding.

i feel its best to do basic work to make it liveable then stay for a year or two before doing a proper reno.

Imho any owner who don’t rush reno also will regret after a few years

 

[Lss]

That's why have to keep it simple. Muji minimalism. Actually I dun have many things also.

think we repeatedly mentioned muji style reno is expensive because of the materials used and the higher requirements on details.

 

[SongManKranji]

my own opinion is that many new home owners rush into reno only to regret things after months or years of staying. be it placement of appliances, switches and powerpoints or pieces of furniture both built in and freestanding.
i feel its best to do basic work to make it liveable then stay for a year or two before doing a proper reno.

my present place too many built in wardrobes. When u wan do major reno sibei jiat lat. Hacking cost alot. I told empress buy those ready made. Can change every Yr if buay song. But w built in means need to hack ah.




Life is v short. Ai song song kao tuas & Changi.

 

[pepsitwist]

my own opinion is that many new home owners rush into reno only to regret things after months or years of staying. be it placement of appliances, switches and powerpoints or pieces of furniture both built in and freestanding.

i feel its best to do basic work to make it liveable then stay for a year or two before doing a proper reno.

Once stay inside will be hard to do any major reno la

 

[Velton]

monthly payouts starts at 65 dah. Songz dah.




Life is v short. Ai song song kao tuas & Changi.

Not 55 Meh?

 

[Lss]

Imho any owner who don’t rush reno also will regret after a few years

cost go up but you feel happier leh. i see before stupid things like nice built in but spoilt look because need to use multiplug then the concealment cover cannot close so left open. etc etc etc

 

[Velton]

CPf all the way for me

Cos is $ cannot take out one?

 

[Milo-Dino]

I'm afraid of the shifting goalposts. Like if hit FRS already, 55 start to get monthly payouts, how many years I need to live then Wuhua? At the same time, if 55 still working, means still contributing to CPF.

Don't talk about leaving to the next generation. It's about can I withdraw finish my own CPF $ before I uplorry.

I thought retirement age can draw out bulk of cash and leave some for cpf life? That way wouldnt think of wuhua or not.

 

[SongManKranji]

if can delay better for more each month. between 65 to 70 can rely on investments beyond cpf imo.

For me i just take and enjoy. Dunno when uplorry. For me 80 kao liao.



Life is v short. Ai song song kao tuas & Changi.

 

[Lss]

Once stay inside will be hard to do any major reno la

thats true also. my main point is against those super duper expensive reno. ex and regret even worse.

you have anything you did for your new place that you regret?

 

[pepsitwist]

think we repeatedly mentioned muji style reno is expensive because of the materials used and the higher requirements on details.

What kind of material? And what details? Isn't it mostly white/browns?

 

[Velton]

balance between enough to last a lifetime (but cpf life sorts of covers it already) and expected lifestyle. would you upsize your lifestyle if you had foresight that you would have balance at the end of your life or remain status quo? if its the latter then it wouldn't matter wuhua or boh hua.

Maybe expected lifestyle more important for me. Prepared to downsize my house if needed.

 

[Milo-Dino]

think we repeatedly mentioned muji style reno is expensive because of the materials used and the higher requirements on details.

Muji minimal items, maximal price

 

[Lss]

For me i just take and enjoy. Dunno when uplorry. For me 80 kao liao.



Life is v short. Ai song song kao tuas & Changi.

different leh. you are at a stage and ability where you dont need to worry about bread and butter.

 

[Milo-Dino]

Not 55 Meh?

65 then pay out cpf life.. 55 u can withdraw excess cpf

 

[SongManKranji]

Not 55 Meh?

55 they lock up. Than see how much u hv. Give estimate u can hv 2k per mth or less. But I think u can use certain % of the spare cpf. But the more u use means the less u hv once u hit 65 dah.




Life is v short. Ai song song kao tuas & Changi.

 

[Velton]

I thought retirement age can draw out bulk of cash and leave some for cpf life? That way wouldnt think of wuhua or not.

I think you are right..

Can you withdraw your savings at age 55?​

For those born in 1958 or after, you can also withdraw up to $5,000 unconditionally from age 55. Once you have set aside your FRS, you can also withdraw any remaining OA and SA savings. Property owners in Singapore with a remaining lease that lasts you up to at least age 95 can also withdraw their Retirement Account (RA) savings above their Basic Retirement Sum (BRS).