Time flies!
End of this year, I'll be 55 years young!!!
Its true.
After banging into walls and falling into multiple sink-holes through crash got sound, I can read people better, now that I'm no longer a "spring chicken"...
Then again, at my weekend sales gig, I do serve old fogeys in their 70s and 80s who still behaved like "bei kambings" when it comes to gullibility!?
How can it be?
I mean low IQ that cannot help. But life experiences got to count for something... No?
I guess it doesn't help if you have the habit of "delegating" or "outsourcing" decision making to others all your life...
That's a convenient way to not take any personal responsibility for your actions!
But the downside is like having 1st year working experience times 30 years.
Any new hire can beat you in their 2nd year...
The ability to see through people is an important EQ skill set.
If nothing else, it helps to determine who we will surround ourselves with.
Money lost pales in comparison to the disappointment in being let down by people whom you thought had your best interests at heart...
Smol,
ReplyDeleteHmm, maybe those 70 or 80 yr olds putting on a very convincing act? 😂
Or maybe at that age they can't be bothered whether kena fleeced slightly or not. 🤔
Character doesn't change though, unless major brain damage (usually physical). Old age and dementia often enhances character. i.e. asshole becomes even more asshole, while nice guy becomes too nice & can be taken advantaged of.
Spur,
DeleteWell, you've said what I dare not say out loud...
Bei kambing during youth; grey mutton as old fogey.
Those who don't sweat the small stuffs are those customers who are wiling to pay for performance.
They can be quite tough and demanding; but a pleasure to work with.
Definitely not gullible ;)
Then there are those who pay full regular retail price while being gullible.
I hate the industry practice of marking a "fake" regular price so to show X% of discounts when the "discounted" price is the real ticket price all along...
I'm sure in your medical industry there are similar practices which no one is proud of?
Its always about people and relationships.
If we can't read people, how to "leverage" on other people's talent?
May be at 70s/80s is "see open liao" after years of "see through people"
ReplyDeleteCW,
DeleteI'll believe it when you start paying a few thousands to attend "get rich quick" courses ;)
See?
"See open" is not the same as "gullible" ;)
"See open" is thirsty buy attas coffee outside; no more endure go home drink 3-in-1 instant coffee instead!
LOL!
Yes time really flies, SMOL.
ReplyDeleteSince the gahmen raised retirement age to above 60 (my company raised it to 63 last year), getting to 55 yo these days is no longer a major event, except for those looking to withdraw "excess" money from their CPF OA & SA. But these day people are "rushing" to put in money into their CPF accounts instead! So for these people turning 55 is a time for them to bump up their Retirement Account.
I am not sure if it was just me, but last week I was "only 55" but I will be 61 this year. As I got older, I find time flies even faster. So do treasure and enjoy every single day if possible. I have been kept busy at work and before I know it, the CNY excitement was over! Last Dec 2021, I spent my year end leave (2 weeks leave) having "staycation" in my office getting some urgent work done!
When I was 55 in 2016, I read from CW's blog that he retired, at 60. I was thinking, no way I will be able to work that long! I told myself, I will be happy if I can work till 57 or 58.
And indeed I tendered my resignation to retire when I was 57 in 2018. My CEO persuaded me to stay on and help out to complete a major task. The task was accomplished and I told him I would be leaving. But Covid struck and he persuaded me to stay on again.
So its almost four years to the day that I stayed. I will never know the "freedom" I could have enjoyed as a retiree but I can tell you the financial benefits of staying on the four years.
In those four years, I collected a total $769K in passive income (PI) and our net worth grew by more than twice that amount. In that four years the Covid pandemic struck, I got first hand experience with Covid and my wife retired! This year will be her second year in retirement.
You can say the four years flew by but things are happening and if we dont pay attention, we would have missed them. So do treasure the time we have simply because there is no turning back the clock!
mysecretinvestment,
DeleteHappy year of the Tiger to you!
I'll be getting as much as my CPF money out when I turned 55 end of the year ;)
No wife, no children; I can take a bit of financial excitement in my life!
LOL!
See? Life often don't go according to our plans...
Like you, I did plan to "retire" at around 55. But mom had her operation on her knee... Felt guilty not being around her. So I came back at 44.
It turned out fortuitous as mom then got late stage glaucoma...
Imagine if I still overseas!? I'm glad its me accompanying mom to her medical appointments; not a domestic helper.
Yes, if I had another 10 years of corporate pay, financially I may be much better off. However, that would be 10 years away from people that matter the most to me.
Now its dad's turn. This year, discovered he got irregular heartbeat... Higher risk for strokes and heart attacks... Starting this April, got to go for regular medical checkups.
Success is what we have to sacrifice to achieve it.
By forgoing my corporate day job, the pleasant surprise is I've managed to turn $1 to $10 in my trading account. OK, the last few years losses and more losses, but its still up $10 ;)
So with a bit of quiet confidence in my craftmanship, I got something to look forward to for the next 10 years :)
Totally agree with you. Money lost can recover; time lost is forever gone.
We need to strike a balance.
There's over planning and always living in the future, and there's what if tomorrow never comes?
Wifey is 51 this year, a homemaker. Youngest child (daughter) is 16. Wifey says she wants to retire at 55. I commented 'maybe you can retire when she is 35 LOL', bcos daughter said gov only allows them to buy hdb at 35.🤣
ReplyDeleteUnknown,
DeleteIf I wifey, I'll marry youngest daughter off at age 20 ;)
Outsource the taking care of daughter to another family - like we used to do in the 50s to 60s, when policemen still wear shorts!
Then I can still retire at 55 ;)
Marrying daughters off was a thing in the past when there were too many mouths to feed in the family...
Limited resources were prioritised for boys.
We have come a long way since then!
Success is what we have to sacrifice to achieve it.
Now that women are educated and financially self-sufficient, I too would prefer to be single than to "settle" and marry a man who can't Earn More...
Unless I have a complex where I take pleasure and comfort to "mother" weak men...
Hi SmOl,
ReplyDeleteSometimes I wonder if people are gullible, or simply lack self-awareness of weaknesses.
As we watch others and wonder how the hell can this be happening, I wonder if the same things are going thro their mind when they look at us
When I look at someone and think, er...
I realise I am er.... In the past too
Will the me in the future it someone else look at the me now and think er....
Sillyinvestor,
DeleteThat's why its better to make all our mistakes when we are young!
If we never banged into walls or fell into sinkholes when we were young, pray tell how would we become wiser when we became old fogeys?
You are right on the 50 steps laughing at 100 steps though ;)
Crypto millionaire youths are probably wondering why am I bothering with forex and futures with my 10X returns... When I can 100X with cryptos!
I in turn poke at the passive equities people with their 8% returns... Where got kick?
Passive equities people may in turn sniggle at the CPF folks with their 4% interests... Don't they know by leaving the extra 4% on the table compounded by 30 years, that's a lot of money the CPF folks are flushing down the toilet!
The CPF folks would probably tell their children never "gamble" with their hard earned money in stocks... Look at those speculators who lost every cent in Hyflux... Don't gamble away your retirement!
No right, no wrong.
Gullible people? We'll recognise one when we see one!
The one in the mirror is harder to spot though...
Do your last top up in CPF for max SA ratio ?
ReplyDeleteCory,
DeleteI've NOT made a single CPF voluntary contribution ever.
In fact, I'll be looking to take out as much CPF as I can end of this year when I hit 55 ;)
It helps when my track record shows I can do better on my own.
I view CPF voluntary contributions as merely making whole what big daddy has taken away from us by slashing the employer side of CPF contributions but never restoring it back when economy recovers!?
If more CPF is good for retiring Singaporeans, just RESTORE the same CPF contribution rates for both employer and employee can oredi!
LOL!
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ReplyDeleteI have samsung galaxy watch 3 titanium tried a few titanium bikes different games, but none titanium bong of them are perfect ford focus titanium hatchback to play real chess. to make the games the best one of my old school titanium wallet