rise in petrol tax recently? how to keep fuel price the same?

Insightful piece of article! But only for current situation! Stay tuned for updates!

https://sg.finance.yahoo.com/news/where-cheapest-petrol-singapore-today-160000767.html?linkId=12654196

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Rethinking how to bid for COE?

https://sg.finance.yahoo.com/news/middle-income-singapore-subsidising-coes-030040385.html

After reading this article, it really dawned on me that the wealthy can simply bid indiscriminately just to be assured a COE, but that would result to a situation where the financially adequate but sandwiched class never get a chance to own a car. This is because they never dare to bid more than manageable and may potentially having to pay for it!

Relooking the policy is definitely necessary!

Live Within Our Means

What is it like to live within our means?

Again, it is about individual’s ability to control the temptation to buy and purchase. Of course, if it is necessary like buying an oven for baking and hosting, then we just got to get it. But have we thought of other options like sharing with neighbours, friends, or recycle the oven from friends whom no longer bake, get from the thrift shop etc?

Fundamentally, I personally think that to live within means it is possible if we are willing to withstand some inconvenience like taking a cab vs sharing a bus or MRT during raining days. Is being convenient more important than saving a few dollars?

saving

Are Singaporeans really so bad in recent personal financial planning?

https://sg.finance.yahoo.com/news/living-without-money-nearly-half-082400100.html

Not sure how the study and analysis was done but lately there are a lot of promotions by the banks for opening or topping up of savings accounts. The banks offered great interest on the savings compared to normal and free gifts. They gifts were swiped out even before the promotion ended. Hence, I am uncertain. I believed that we are doing better than this.

 

Common mistakes of amateur used car buyers

Good learning pointers especially now with the trend of buying preowned cars!

sg.yahoo.com–  Motor Trader Sun, Sep 14, 2014

Buying a used car requires far more skill than when opting for a new one. It takes a trained eye to spot mechanical issues and a ear that isn’t too eager to buy into the salesman’s claims.

Buying a used car, a vehicle that has been used and abused by someone unknown to you, is a daunting task for many. The thought of having to deal with dodgy salesmen, questionable vehicle condition and the discrepancy of its paperwork, are reasons why many avoid buying second hand cars.

The main reason many get burned isn’t because most second hand car dealers are looters and pillagers, though that’s how some dodgy ones make a living. It’s just that buyers aren’t aware of the basic How-to of car buying, a skill every individual who is thinking of buying a pre-owned car must have. Today, we are going to take a look at some common mistakes many amateurs make when testing the waters i.e. opting for a used car instead of a new one.

Mistake #1: Taking the word of the salesman

Regardless of how well he is dressed or trustworthy he may seem, be wary of him trying to talk up the car. Words like accident-free, low mileage and “very good condition” are thrown out there like gospel truth when in actual fact, the exact opposite is true. Inspect the vehicle yourself or do one better and take your trusted mechanic with you for a full inspection.

Mistake #2: Just because it looks good doesn’t mean it’s mechanically sound

It is standard procedure to clean a vehicle inside and out, to make it as presentable as possible. Don’t be surprised when you pop open a used vehicle’s hood to see an engine bay that looks brand new. Looks can be deceiving as appearances don’t necessarily correlate to a well oiled machine. Achieving such perfection requires nothing more than a tin of kerosene, an old rag and some elbow grease.

Mistake #3: Be wary of a “cut and shut” job

Many first time used car buyers aren’t aware of this age old trick of putting vehicles that have been involved in severe accidents back on the road at minimum cost. A “cut and shut” or “half-cut” as it is known over here, is a method where the entire front end of a damaged vehicle is cut off and replaced with that of a donor one. Though both are identical, after a cut and shut job, the integrity of the vehicle’s body structure will be severely compromised. In the event of a crash, the crumple zones will not be able to absorb the impact as intended and instead the entire body will crumple like a sardine can. The best way to spot a cut and shut job is to look for welding work near the vehicle’s firewall and A-pillars.

Mistake #4: Not insisting on taking a test drive

Many dealers refuse to offer test drives to potential buyers either because they don’t think you will actually buy the vehicle or worse, that they are trying to hide certain faults. The only way to know for sure that a vehicle is in good condition, is to take a short test drive. You will be amazed of how much you can learn by spending just five minutes driving the car instead of walking around it and kicking the tyres. If you are refused a test drive or told that you will be given one once you have put down a deposit, just walk away. If they do not value your time enough to warrant a test drive, you shouldn’t be giving them your business.

Mistake #5: Neglecting to look at the paperwork

Never deal with unscrupulous dealers, especially those who aren’t too comfortable showing you the vehicle’s documentation. This could be the sign that the vehicle is involved in some legal matters or worse, stolen. After you are satisfied with the condition of a vehicle, ask to be shown the vehicle’s grant and relevant servicing paperwork. If a dealer refuses to furnish such documents, no matter how convincing the excuse maybe, do yourself a favour and walk away.

Source: Motor Trader

Being Thrifty is about knowing it and putting it into use… Start with buying cheap!

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