＜＜新主題 | 舊主題＞＞
娛樂滿紛 26FUN » 吹水版 » 如果你o係未來十年平均收入係$22,000 per month.....
返回列表 回復 發帖
Charcoal_henry

註冊會員

Rank: 2Rank: 2

帖子
333 
精華
0 
威望
80  
魅力
3  
讚好
0  
性別
男 
1#
打印
tT
發表於 2006-6-9 01:49 PM | 只看該作者

如果你o係未來十年平均收入係$22,000 per month.....

你地覺得夠唔夠?
( c; v1 M, f, o' t1 M# i, d3 c, R0 R: `- S7 q0 T% F3 k+ A
夠既意思係指你會唔會俾得夠屋企, 又ok有能力買樓結婚, 同埋儲下錢以備不時之需咁+ G9 ^* `# L2 [6 ^

; G# S9 h- ]) j5 M5 w  G
6 ]. [. v% n* X2 `如果俾我既話講真都ok既, 但係好似都唔係好穩陣.....3 r; ^5 p+ V6 E8 {- C) i; H* p

% g( }7 V1 O* I' v' Z5 @: K& y) b- q以下係我既plan:
5 Z; l: c/ }* _home - $8000* C) f# v/ z0 `" L( P# z
self basic use (including entertainment) - $4000
' \  ?- ~% V8 l, I3 C: |4 tMPF - around $10007 O6 q4 V% i, @4 R
inverstment + insurance - $1000-$15006 t4 G" D0 X7 \. j3 y7 l
Miscellaneous - around $2000 on average (travel & other purchases & TAX!!!)
  P4 \. z. ~! p/ J3 G' M
- h) N' O/ ^( P- [6 p, @NORMAL SAVINGS: $5000-6000 per month# l/ h/ F$ e# r, k: Y
! e) d1 g, T) E& ?% [3 E* ~
AFTER 10 years, your savings: about $5500 x 12 x 10 = $ 660,000
  F5 s0 e+ ]- |5 ]. T$ G0 r  g$ G' Y) w% B

0 F9 T) Q9 O+ V& T8 b8 [' c9 y1 r如無意外會有六十六萬o係手.....唔計o的inverstment 同 insurance
% X& I2 F# B# N% T6 K+ ~
0 X* O7 y& O; h( ?7 |買層樓當好好地都要二百萬....
0 H( O' H% a; E- h% x! t3 [三成首期, 六十萬.....
% y% N# z5 [8 x* \裝修最少十萬啦.....
4 L3 v- J% n1 _3 G' I) ?+ @/ ]6 D+ Z6 s; L; [
買得樓就可能係結婚跟住honeymoon 啦$ A2 R6 [3 ~' n& `& {$ @3 \
又起碼無咁十零二十萬.....+ O/ U5 v  U8 y# {# V& _
1 C/ b+ O! ]* [3 \
之後仲要將供樓加埋入每月既支出.....6 D4 I! \2 L9 I; y% [5 }* `" b

4 u' s0 f4 t- r
, W) _& s3 Y0 {1 j0 f0 u一個男人, 出黎做左野十年, 當你大學畢業先做野, 都三十幾啦.....: l. ?8 r" m" J
6 e6 I6 k1 L" H/ [; D8 C& F2 H! e" G4 C
$660,000 - $600,000 -$100,000 - $200,000 = - $240,000: K9 f- t% V  Q1 [" ]  p

% ?: w, u' l  P9 q" }2 u1 e$ l: _$ y* h8 t
之後仲有生仔呢?!?!?.....供書教學呢?!?!?!?* Q6 t9 G1 [& W) o/ U/ f2 c
* V+ N% h6 }) x) @0 K' i2 B2 U

) r' \/ q# z& g* X3 e3 o/ Q7 V1 |# Y! U& P& r' n( d* m

, e2 Z- T/ L, [1 J; ~真係要有埋老婆果份先得?..... 但係一個男人撐唔起一頭家真係好似有點兒那個....., H$ x0 t1 c1 \/ y% Z6 B" D' P
( {. B# r+ R  ^' p* A+ P* Y
講真, 兩萬幾蚊一個月對於好多人黎講都好ok啦..... 但係如果想有個好d既生活都真係唔係咁容易......7 S8 R" `8 V( e2 G
" X# B8 o: `( Q. }+ @

& X7 w( }4 q1 I, r; j) P! \) O0 Q4 v. [/ \9 D  K
大家有咩見解?!??!?7 d$ q$ q( p  ]& ~. P
同埋有咩計畫係可以更好咁運用你二萬幾蚊既月薪?!?!?
" {, R6 U' U% T; L5 s% K$ k不妨研究下~~~~
收藏 分享 讚好
回復 引用

訂閱 TOP

zedpyma

註冊會員

Rank: 2Rank: 2

帖子
83 
精華
0 
威望
55  
魅力
1  
讚好
0  
2#
發表於 2006-6-9 02:32 PM | 只看該作者
How old are you ?8 o4 ^" q8 }3 X- `7 D  q6 ~, n# m

- _' |: y1 }2 B/ X: v( H2 UIf you have lived for long enough, you will know there are Always unexpected expenditure in life.3 V; t$ K  ?' C1 b' \  E
Your calculation is just on paper only.
3 G2 m% m5 W) A( u4 [4 L) k
5 h: j2 U' I, M8 e  g- s! }" GAlso, please add inflation factor too.  10 years later, $600000 may not enough for deposit.& ]5 @4 m8 E* K# L
, O8 ^- c) s2 G2 F" |
Believe me, dont trust those words of you financial planner ~~~
回復 引用

TOP

balachiDavis

註冊會員

Rank: 2Rank: 2

帖子
293 
精華
0 
威望
113  
魅力
88  
讚好
0  
3#
發表於 2006-6-9 03:21 PM | 只看該作者
Frankly speaking, 22 000 per month is definitely not enough.
; `# N! [, Y9 q6 s% SAt least, not enough to build up a family...
5 \- S% Q) O- T. Z' {; hAnd you havent included this: you have to give some to your parents or whatever......" U# `2 k4 I2 e3 o' u8 c
# G; J# n& E: h3 {
But the good thing is: you wont just simply put the money at the bank, you will invest
3 P7 w4 d5 N7 ^$ G; ?+ \% xso after 10 years I am sure that you will have more than this amount.
2 ~* ]! m$ o4 V4 s: E3 _7 ~5 ?8 r# ]! I: |8 q3 j% ^
Actually, i dont think 22 000 is enough for marriage as well......you know the women ga lah....kaka
回復 引用

TOP

Charcoal_henry

註冊會員

Rank: 2Rank: 2

帖子
333 
精華
0 
威望
80  
魅力
3  
讚好
0  
性別
男 
4#
發表於 2006-6-9 03:59 PM | 只看該作者
Originally posted by zedpyma at 2006-6-9 02:32 PM:
$ \$ w9 N8 t1 K5 K& W" e3 y you will know there are Always unexpected expenditure in life
0 d5 N" Z/ A* W
+ O: D4 S, y& X) |i included those unexpected items in "Misc" ga la, not spending exactly 2000 for those stuff, on average la, say perhaps u'll spend 20000 for medical treatment in one specific year, 20000 is then broken down into 12 months and count as spending abt 2000 each month lor..... HAHA~
5 I3 V5 G' N3 J4 o; `+ v. u. H& e4 I. c2 O7 X( _3 m3 a* T

* U6 |7 f5 c8 h
Originally posted by balachiDavis at 2006-6-9 03:21 PM:
+ d( w" P) s3 E9 b2 R9 R+ ?) U5 KAnd you havent included this: you have to give some to your parents or whatever
- d$ j2 `- z, M$ f  K7 l
% Y) A; J  j9 h9 Hactually i've included this item in the "home" catagory ga la.....! o, D( ~3 k, C! N, i0 b" L+ m

6 [$ m  h/ U( @, D4 V: M7 ERegarding women, HAHA.... just disregard if they really mind we are not millionaire la!~ HAHAH~
回復 引用

TOP

Kev

中級會員

Rank: 3Rank: 3Rank: 3

帖子
706 
精華
0 
威望
316  
魅力
150  
讚好
0  
性別
男 
5#
發表於 2006-6-9 08:10 PM | 只看該作者
Originally posted by Charcoal_henry at 2006-6-9 03:59 PM:
9 H- s$ b3 i* O8 R0 C) r- s; S2 l5 E: F, @: O# P0 P
' i! Y. c0 n9 u1 }4 L/ b
i included those unexpected ite...
3 r6 U& o3 I6 M
9 L' v0 S3 K8 e  B+ T% ^2 x+ R: w
im sure theres still some more unexpected expenditure.. but anyway.. if marriage is not included.. 22000 should be enough.. it is quite depends on wt personality u have, and how ambitous u r..
回復 引用

TOP

alan15

註冊會員

Rank: 2Rank: 2

帖子
739 
精華
0 
威望
10  
魅力
97  
讚好
0  
性別
男 
6#
發表於 2006-6-9 11:32 PM | 只看該作者
Don't count out any unexpected income or fortune that may come your way in the next 10 years as well, such as bonuses, a raise, money/assets that you inherit, lottery of some sort, assets that suddenly increase in value dramatically that you consider selling for some cash, etc. But realistically, $22000 per month is still respectable in hong kong, really above average, and with well-planned investments I'm sure you can live a decent life and manage a family.4 M* }# W, H0 J1 }3 b+ e' v
4 o! ~9 ]' [9 O: ~5 H
Your financial "dilemma" is one that many other hong kong people would rather have for their own.
Hi
回復 引用

TOP

chrisykc

註冊會員

Rank: 2Rank: 2

帖子
225 
精華
0 
威望
127  
魅力
0  
讚好
0  
性別
男 
7#
發表於 2006-6-10 08:21 PM | 只看該作者
Oh, actually, there are many other attractions and temptations e.g birthday gift to girl friend, meal expenses with girlfriend family, buy a car, open a small shop, other hobbies, medical expenses (yourself or your family) many many others. . . . . . . . . .  " z! E7 M, M: O9 V- d" Q& @0 i9 w: Y
In addition, marriage expenses cost more than HK$200,000- already, e.g. honey moon x 2 people, taking wedding photo, banquet $100,000 = $5,000 per table x 20 tables, decoration of new house.  Your HK$600,000 is far less to cover all these !!0 a% [/ t6 E+ R% h
# Q( D( L+ g/ I* e, A! z9 O$ k
: ^' e/ _, y: Q5 s  X+ Q: @; b/ r
As an accountant, I would like you to read a book called "Rich dad, poor dad"
回復 引用

TOP

ksupjai

新手上路

Rank: 1

帖子
151 
精華
0 
威望
18  
魅力
0  
讚好
0  
性別
男 
8#
發表於 2006-6-13 11:50 AM | 只看該作者
上大陸娶老婆買屋買車/ J! S6 {) i  R9 M
養兩個都夠了
色即是空, 空即是色, 我最愛PINK NAMIE!
回復 引用

TOP

返回列表 回復 發帖
＜＜新主題 | 舊主題＞＞
娛樂滿紛 26FUN » 吹水版 » 如果你o係未來十年平均收入係$22,000 per month.....

重要聲明：26fun.com為一個討論區服務網站。本網站是以即時上載留言的方式運作，26fun.com對所有留言的真實性、完整性及立場等，不負任何法律責任。而一切留言之言論只代表留言者個人意見，並非本網站之立場，用戶不應信賴內容，並應自行判斷內容之真實性。於有關情形下，用戶應尋求專業意見(如涉及醫療、法律或投資等問題)。 由於本討論區受到「即時上載留言」運作方式所規限，故不能完全監察所有留言，若讀者發現有留言出現問題，請聯絡我們。26fun.com有權刪除任何留言及拒絕任何人士上載留言，同時亦有不刪除留言的權利。切勿撰寫粗言穢語、誹謗、渲染色情暴力或人身攻擊的言論，敬請自律。本網站保留一切法律權利。