BiscottiGelato

原帖由 Catpiano 於 2008-10-29 21:20 發表
扮窮 ??  

really 窮 ar .. c hing ..  lol ..  

But still need to spend ga ..   car .. house .. stock .. watches .. hard to sell now ..  I just want to sell my car ja ..       wont' drive in winter  ...

Unless we are talking daddy mommy pumping water in, otherwise I don't see who isn't poor as long as they are making CAD. Income cut 1/4, that's what makes me poor.... any donations plz?

Besides, you don't reduce spending only when u get hit with shrinking investment or lay-offs. You reduce spending to anticipate hard times... that is mommy daddy pumping in water aside...

BiscottiGelato

原帖由 大C姐 於 2008-10-30 15:41 發表


你要計埋exchange rate就無得好講啦﹐可能你個個月cable wire錢返香港﹐咁可能你好大影響。

即係呢度個個都好閉翳啦? 我都係唔去旅行住﹐見步行步。我都要跟風扮窮。 ...

As you said, u r waiting for the market (equities) to bottom out... 1/4 cut in CAD is 25% less equities u can buy.... yes equities is down 40%, so u really are buying in only at a 15% discount....

Also on the long run, prices are going to go up reflecting cost of import. At that point then your consumption power would've reduced, as reflected in ur 'real pay cut', yes nominally ur pay is unchanged. Along with layoff anticipation (just in case), I'm gonna buy a PC/PS3 game or two and cave in this Xmas. If in the end everythign worked out fine, i'd haf saved a lot of money~ Sounds like win win to me. Frugal times ahead~

BiscottiGelato

原帖由 Catpiano 於 2008-10-31 20:50 發表
BG ..  I dont think they care or calculate as u la..   lol

No house no car no 1M in acc. ready to retire.... recession times, 搵食難, 生活難, haf to calculate more ga la.....

BiscottiGelato

原帖由 大C姐 於 2008-10-31 23:59 發表



真係唔好講野﹐$1M喺銀行唔係好見洗﹐又唔敢投資﹐十領年洗晒啦﹐我仲咁後生!

不過生活不嬲都難架啦如果你咁講﹐有幾多人嘆到幾百萬CASH有樓有車唔洗供丫。但係要唔要誇張地日日講住"自己好窮﹐世界好慘"洗自己腦就見人見智 ...

haha, u do haf luxury lifestyle. good for u~! but yes, 1M in cash will be gone in no time. as Buffest said a few weeks ago, Cash is trash, it's time to get into good value equities~

i didn't say 好慘. 窮 is real tho LOL~