tag:blogger.com,1999:blog-756999172180904768.post3847963788571609677..comments2024-01-22T03:27:15.240+08:00Comments on The sleepydevil's adventure: My 19 Year Old CPF Account - For Millenials and Young Adultssleepydevilhttp://www.blogger.com/profile/03214790983822461454noreply@blogger.comBlogger22125tag:blogger.com,1999:blog-756999172180904768.post-18800734509469561992018-03-18T16:19:24.086+08:002018-03-18T16:19:24.086+08:00Hi Laurence,
Thank you very much for the kind com...Hi Laurence,<br /><br />Thank you very much for the kind compliments! I believe there's much more ahead of me for me to learn along :) <br /><br />I hope your friends will not mind my post ! :(sleepydevilhttps://www.blogger.com/profile/03214790983822461454noreply@blogger.comtag:blogger.com,1999:blog-756999172180904768.post-2658504017362684462018-03-17T15:44:50.142+08:002018-03-17T15:44:50.142+08:00With that kind of over-the-top display, SD will ce...With that kind of over-the-top display, SD will certainly find himself included into EDMW's "Yishun Siao Lang" hall-of-infamy thread even if he's not from Yishun. Lol. <br /><br />Quote.<br />carry the CPF logo, stand outside the busiest street in japan.<br />wear the kawaii jepun short mini skirt.. with the knee length white socks, tie your hair sailermoon style...<br />lets see if CPF will notice you, (or anyone for that matter!)<br />Unquote.laurencehttps://www.blogger.com/profile/00674907410230833403noreply@blogger.comtag:blogger.com,1999:blog-756999172180904768.post-66193702511441628972018-03-17T15:37:25.954+08:002018-03-17T15:37:25.954+08:00AK will surely instantly collapse from heart-attac...AK will surely instantly collapse from heart-attack the moment he hears he has a son. Lol.laurencehttps://www.blogger.com/profile/00674907410230833403noreply@blogger.comtag:blogger.com,1999:blog-756999172180904768.post-42214010765037670552018-03-17T15:22:49.027+08:002018-03-17T15:22:49.027+08:00An excellent writeup that clearly shows your sensi...An excellent writeup that clearly shows your sensibility, prudence and maturity of thoughts.<br />I've forwarded the link to my friends and encouraged them to read and learn. Some even have around your age group and I won't be surprised a few will be envious.laurencehttps://www.blogger.com/profile/00674907410230833403noreply@blogger.comtag:blogger.com,1999:blog-756999172180904768.post-52062592490266037192018-03-09T15:18:27.344+08:002018-03-09T15:18:27.344+08:00Wow FC, that sounds like some cosplay character! I...Wow FC, that sounds like some cosplay character! I would probably be on STOMP or hardwarezone instead! HAHAHA! In that case, I’ll need to get my tickets ready :) sleepydevilhttps://www.blogger.com/profile/03214790983822461454noreply@blogger.comtag:blogger.com,1999:blog-756999172180904768.post-30358471472099984322018-03-09T11:03:08.108+08:002018-03-09T11:03:08.108+08:00carry the CPF logo, stand outside the busiest stre...carry the CPF logo, stand outside the busiest street in japan. <br />wear the kawaii jepun short mini skirt.. with the knee length white socks, tie your hair sailermoon style...<br />lets see if CPF will notice you, (or anyone for that matter!)foolish chameleonhttps://www.blogger.com/profile/05964116916697053495noreply@blogger.comtag:blogger.com,1999:blog-756999172180904768.post-2980341854913826852018-03-08T23:11:49.639+08:002018-03-08T23:11:49.639+08:00Hi MIM,
No la.. I’m just an ordinary Singaporean ...Hi MIM,<br /><br />No la.. I’m just an ordinary Singaporean that is expressing my thoughts silently on this platform :)<br /><br />Not influencer nor looking to me one. CPFB won’t ask me one hehe. I’m really honoured by your comment tho!! Thanks HAHAHA.<br /><br />sleepydevilhttps://www.blogger.com/profile/03214790983822461454noreply@blogger.comtag:blogger.com,1999:blog-756999172180904768.post-46266740556879672222018-03-08T16:22:29.720+08:002018-03-08T16:22:29.720+08:00how come CPF never include u as a influencer in th...how come CPF never include u as a influencer in their recent budget campaign that made the news. My Investment Machinehttps://www.blogger.com/profile/18047290726034007540noreply@blogger.comtag:blogger.com,1999:blog-756999172180904768.post-26117041247959369412018-03-08T15:58:02.887+08:002018-03-08T15:58:02.887+08:00On a side note. If I’m a younger version of AK, I ...On a side note. If I’m a younger version of AK, I would seriously hope with toes crossed as well that I’ll turn out like the original AK in 20 years time :( sleepydevilhttps://www.blogger.com/profile/03214790983822461454noreply@blogger.comtag:blogger.com,1999:blog-756999172180904768.post-74090899981248235532018-03-08T15:30:30.504+08:002018-03-08T15:30:30.504+08:00Hi Lady,
Most honored to have you here :) Happy &...Hi Lady,<br /><br />Most honored to have you here :) Happy 'lady' day hehe!<br /><br />It's time for me to earn more :( sleepydevilhttps://www.blogger.com/profile/03214790983822461454noreply@blogger.comtag:blogger.com,1999:blog-756999172180904768.post-55058154801040107152018-03-08T15:28:37.818+08:002018-03-08T15:28:37.818+08:00Thanks FC! It's true that a rider will always ...Thanks FC! It's true that a rider will always help rider!! :) Vrooooooooom!!<br /><br />Hi Unknown,<br /><br />To begin with, English had all along been my weakest subject in school and I do not consider myself as a blogger. Nonetheless, I've been trying to overcome this by writing and reading more :) <br /><br />I view 'Blogger' as a platform that I'm using to write about thoughts, journey and most importantly learn and interact with wise seniors and peers around. <br /><br />Thanks for your recommendation on proof reader :) sleepydevilhttps://www.blogger.com/profile/03214790983822461454noreply@blogger.comtag:blogger.com,1999:blog-756999172180904768.post-56438110464455286242018-03-08T15:20:57.441+08:002018-03-08T15:20:57.441+08:00Hi Foolish Chameleon,
Long time since you last di...Hi Foolish Chameleon,<br /><br />Long time since you last disturb me here.. hehe and thanks for the kind words!! To be really honest, my journey hasn't even start. Many would say that I'm nuts and too early. <br /><br />Some are making good use of the system but some are not. <br />But ultimately, all our aim is the same :) <br />Some don't even need it!!<br /><br />With these words from you, I'm more confident to tell people that I'm not nuts :) sleepydevilhttps://www.blogger.com/profile/03214790983822461454noreply@blogger.comtag:blogger.com,1999:blog-756999172180904768.post-87288967536797119292018-03-08T15:16:53.286+08:002018-03-08T15:16:53.286+08:00Hi Cupcake,
Welcome to my blog and thank you for ...Hi Cupcake,<br /><br />Welcome to my blog and thank you for the kind compliments. <br />We must remember that as a Singaporean, this is one of our privileges :) <br /><br />If we don't make use of our privileges, it's hard for anyone to help us :) sleepydevilhttps://www.blogger.com/profile/03214790983822461454noreply@blogger.comtag:blogger.com,1999:blog-756999172180904768.post-25605843124276535552018-03-08T15:15:24.839+08:002018-03-08T15:15:24.839+08:00Hi Jared,
Welcome welcome! Wow 25/25. It's re...Hi Jared,<br /><br />Welcome welcome! Wow 25/25. It's really impressive. Each time you have $1000 in your bank for salary, there's another $500 in CPF.<br /><br />Yes. Perspective. Coin always got 2 side one. <br />When you're working beyond 55, you'll receive a 'pay-cut'<br />Alternatively, I'm being paid 'more' into my bank!<br /><br />Fun to poke poke with perspective. As the norm or fallacy that CPF is a terrible instrument, this post here today is to open the window from the other side :) <br /><br />It may be bright out of your room's window. But walk to the kitchen and see :) <br /><br />It might be cloudy and a thunderstorm might be looming! hehehe<br />I'm always a 'noisy' reader in your watering hole! No need scared. Here I come. sleepydevilhttps://www.blogger.com/profile/03214790983822461454noreply@blogger.comtag:blogger.com,1999:blog-756999172180904768.post-47922962293610542232018-03-07T19:12:03.699+08:002018-03-07T19:12:03.699+08:00Don't forget to save some OA for your housing ...Don't forget to save some OA for your housing ! LadyYouCanBeFreehttps://www.blogger.com/profile/11554625703270651996noreply@blogger.comtag:blogger.com,1999:blog-756999172180904768.post-90025371459370390772018-03-07T18:07:45.358+08:002018-03-07T18:07:45.358+08:00so says someone who cant spell properly. so says someone who cant spell properly. foolish chameleonhttps://www.blogger.com/profile/05964116916697053495noreply@blogger.comtag:blogger.com,1999:blog-756999172180904768.post-17705266574578622972018-03-07T17:30:54.751+08:002018-03-07T17:30:54.751+08:00Seriously you need a proof reader to be taken seri...Seriously you need a proof reader to be taken seriously as a blogger. I have up at the third grating grammatical mistake Unknownhttps://www.blogger.com/profile/04968364855641060937noreply@blogger.comtag:blogger.com,1999:blog-756999172180904768.post-87309763684088781102018-03-07T14:55:47.433+08:002018-03-07T14:55:47.433+08:00haha.. i think you are a younger version of AK.. ?...haha.. i think you are a younger version of AK.. ?!! (or maybe his son?)<br /><br />i admit i loathe the cpf when i was younger.. but as i grow older (much older) then i realise its not that bad after all. who can guarantee 4% (and +1% for first 60k)? <br /><br />anw, well done..foolish chameleonhttps://www.blogger.com/profile/05964116916697053495noreply@blogger.comtag:blogger.com,1999:blog-756999172180904768.post-74436230622073462992018-03-07T11:34:22.437+08:002018-03-07T11:34:22.437+08:00Hey Sleepydevil,
Thats a very good start for som...Hey Sleepydevil, <br /><br />Thats a very good start for someone at your age. I believe that part of people not believing into the CPF is due to ignorance; You won't trust what you dont know. Since the system is here to stay, make full use for it! Good post once again. <br /><br />Cheers,<br />CupcakeCupcakedCrusaderhttps://www.blogger.com/profile/01380767480240322395noreply@blogger.comtag:blogger.com,1999:blog-756999172180904768.post-85857748839386634662018-03-07T11:28:00.607+08:002018-03-07T11:28:00.607+08:00sleepydevil,
I remember fondly there was a time w...sleepydevil,<br /><br />I remember fondly there was a time when CPF was 25/25 percent for both employer and employees. <br /><br />For those who badly needed the cash in their pockets, there were sad cases of employees colluding with unsrupulous employers not to declare CPF...<br /><br />I? <br /><br />I were only earnly around $600 per month so the EXTRA percentages in CPF did not make much MATERIAL difference 30 years down the road. HDB prices went up faster than CPF comopunding interest ;)<br /><br />And since I were young, single, thrifty, and livng at my parent's place, even though my after CPF take home pay was very low, I wasn't with the crowd complaining CPF taking too much off my monthly salary. But I can empathise with my older colleagues with families to feed...<br /><br />Years later, when I finally made REAL money in my career, CPF contribution rates went down :(<br /><br />It was supposed to be a "temporary" measure to fight off a recession, but I soon learnt that they were many goal posts. I guess if we have a severe recession next time, I won't be surprised if we had another round of "pay cuts"!?<br /><br />"Getting paid another 17% from employer!!"<br /><br />Perspective is very interesting. <br /><br />When you are working beyond 55, you'll understand why I don't share your sentiment above. <br /><br />You'll probably see it as a pay-cut too ;)<br /><br />LOL!<br /><br /><br />It's always good to have different opinions. Do remember to share you disagreeing viewpoints at my watering hole too! <br /><br />I want to prevent it from becoming an echo chamber ;)<br /><br />I believe in you.<br /><br /> <br /><br />Singapore Man of Leisurehttps://www.blogger.com/profile/13774067113884418001noreply@blogger.comtag:blogger.com,1999:blog-756999172180904768.post-8515559115781883522018-03-07T09:33:42.035+08:002018-03-07T09:33:42.035+08:00Hi B,
Good morning :)
Let me guess. Are you at ...Hi B,<br /><br />Good morning :) <br /><br />Let me guess. Are you at Changi Airport preparing to head over, going to work and coming back home later to do some final check on your luggage, Tao Yuan, Maoli or already at Taichung??! hehe<br /><br />I sure believe that you'll be able to achieve FRS really soon and financial freedom is just next door to you! <br /><br />I'd say that there are many instruments available around to grow wealth or rather like what Kiyosaki would say - 'letting your money work for you', and CPF is another option that many are unappreciative towards :(<br /><br />Thank you very much by your kind words and I'm pretty much flattered by the word 'unique'. But personally or probably to them, it's another synonym - 'weird'. Haha :psleepydevilhttps://www.blogger.com/profile/03214790983822461454noreply@blogger.comtag:blogger.com,1999:blog-756999172180904768.post-80098292823966215622018-03-07T07:39:48.255+08:002018-03-07T07:39:48.255+08:00Hi Sleepydevil
Wow I must say you are one very un...Hi Sleepydevil<br /><br />Wow I must say you are one very unique student at your age.<br /><br />Bravo!!!<br /><br />Good article and you point out aome good things there on cpf. I'm also doing VC top up from time to time into my SA in hoping to reach the FRS minimum sum hopefully in a few years time.Bhttps://www.blogger.com/profile/09041255778427742477noreply@blogger.com