30s-50s chitchat club

[Milo-Dino]

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

Brown's use wood... Depends on what kind of wood used also?

 

[pepsitwist]

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?

Nope. Not first home leh, so already know what works/is needed for us

 

[Dusky01]

your house cheaper than now. so even if you said cash its fine also.

Nothing to do with cheap or exp.

but cos it can’t be taken out when emergency so I will use for house and keep cash for emergency use

no harm having cash

Cpf more only ownself see ownself song niah and can’t touch til so old and for all you know policy will change when we are near that age then suck thumb again

 

[pepsitwist]

Brown's use wood... Depends on what kind of wood used also?

Nowadays got wood laminates la.... no need real wood

 

[flowerpalms]

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

Either muji or japandi is fine for me

 

[Milo-Dino]

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).

Ya. Then depends on how much u want to leave with cpf life as pension.. Or if u have your own pension funds then different liao

 

[Dusky01]

Cos is $ cannot take out one?

High five

 

[Velton]

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.

So Luan.. they just can't make it more simple..

 

[Dusky01]

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

Me too !!!!!

 

[Milo-Dino]

Nowadays got wood laminates la.... no need real wood

Those durable meh? Oh well.. Not my theme so fp better consider wisely

 

[Velton]

Ya. Then depends on how much u want to leave with cpf life as pension.. Or if u have your own pension funds then different liao

Pension meaning retirement funds outside of CPF?

 

[SongManKranji]

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

K dah. Stay simple sometimes spend more sometimes spend less. Wu eng I can drive to boleh land I jin songz liao.




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

 

[Velton]

Me too !!!!!

Sell Liao get those cheap cheap senior flats. Can live comfortably without worrying about living expenses.

 

[pepsitwist]

Those durable meh? Oh well.. Not my theme so fp better consider wisely

Alot of cupboards is use laminate for the design ma. Don't do built-in lo, spoil just change. My previous place also laminates for built-in carpentry, no issue for many years

But ur house cupboards full solid wood with no laminates ah?

 

[Lss]

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

muji emphasises alot on natural material. if not treated properly will go bad quickly in our tropical climate. if rely on laminates then my opinion is it defeats the purpose, tactile feel totally wrong. veneers might help but again higher chances of damages compared to solid pieces of wood. also veneer do edge banding (eg abs) also not nice for muji style

 

[Velton]

Alot of cupboards is use laminate for the design ma. Don't do built-in lo, spoil just change. My previous place also laminates for built-in carpentry, no issue for many years

But ur house cupboards full solid wood with no laminates ah?

Can also just change the laminates right? But Dunno Wuhua or not.

 

[Lss]

Nope. Not first home leh, so already know what works/is needed for us

then the last one?

 

[pepsitwist]

muji emphasises alot on natural material. if not treated properly will go bad quickly in our tropical climate. if rely on laminates then my opinion is it defeats the purpose, tactile feel totally wrong. veneers might help but again higher chances of damages compared to solid pieces of wood. also veneer do edge banding (eg abs) also not nice for muji style

U all take his "muji" theme too seriously la.......

 

[Lss]

Nothing to do with cheap or exp.

but cos it can’t be taken out when emergency so I will use for house and keep cash for emergency use

no harm having cash

Cpf more only ownself see ownself song niah and can’t touch til so old and for all you know policy will change when we are near that age then suck thumb again

faster use CPF buy dual key then can indirectly convert cpf to cash!

 

[Milo-Dino]

Alot of cupboards is use laminate for the design ma. Don't do built-in lo, spoil just change. My previous place also laminates for built-in carpentry, no issue for many years

But ur house cupboards full solid wood with no laminates ah?

When fp say muji and Japandi, I keep thinking of those raised wooden platforms with storage underneath.. Since carrying human weight I thought need better wood