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發表於 2006-6-9 01:49 PM
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如果你o係未來十年平均收入係$22,000 per month.....
你地覺得夠唔夠?
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夠既意思係指你會唔會俾得夠屋企, 又ok有能力買樓結婚, 同埋儲下錢以備不時之需咁& l/ N' b( B, [- W8 n: h
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如果俾我既話講真都ok既, 但係好似都唔係好穩陣.....$ N8 h) v. |) s9 [4 u) l
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以下係我既plan:
) f: i" q! R$ @; Mhome - $80003 A4 a% M5 }2 h4 H3 N* C
self basic use (including entertainment) - $40001 Z' Y+ r) Y6 B* m
MPF - around $1000
, n% \' h# V! ]! X. j5 @inverstment + insurance - $1000-$1500* h3 \3 L0 {7 P) `( a2 D5 I/ I( _
Miscellaneous - around $2000 on average (travel & other purchases & TAX!!!)
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NORMAL SAVINGS: $5000-6000 per month- c: g. v# Z1 k. u# o1 [- v, e
: x9 j' }* u s1 w" SAFTER 10 years, your savings: about $5500 x 12 x 10 = $ 660,000! h$ m# C' d: L j' \' y7 M+ c K6 T
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如無意外會有六十六萬o係手.....唔計o的inverstment 同 insurance- ~* e1 R! p0 p4 v. y" E- N' E
( {2 P4 N+ o I' Y買層樓當好好地都要二百萬.... 2 e3 e0 w* b( W5 U
三成首期, 六十萬.....
( M0 t+ j7 ?8 u j$ r裝修最少十萬啦.....6 l1 f$ K. R6 E% B0 n& V
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買得樓就可能係結婚跟住honeymoon 啦; f7 Q: H: f- R: K
又起碼無咁十零二十萬....." g0 ~( G- k+ w" k
( \" ]2 c% C ?" r之後仲要將供樓加埋入每月既支出.....
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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....., j+ F' H* R0 J9 [
' n2 j- x/ I& W& H1 p3 Y+ W. F$660,000 - $600,000 -$100,000 - $200,000 = - $240,000  / g* S( ]( q" W
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! H9 J# }: ]% B7 ~之後仲有生仔呢?!?!?.....供書教學呢?!?!?!?  
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( |+ _; z% ?- h0 P真係要有埋老婆果份先得?..... 但係一個男人撐唔起一頭家真係好似有點兒那個.....
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- m$ x; t4 n y3 L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......
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9 u/ p0 V$ U! f. E" q+ M' T大家有咩見解?!??!?
6 ^1 r% C; v4 {' n同埋有咩計畫係可以更好咁運用你二萬幾蚊既月薪?!?!?/ B$ U5 b+ i1 d& k. z$ [( d
不妨研究下~~~~   |
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