Friday, February 06, 2015

Huzzah !!! Time for guys to spend NOTHING on Singaporean women !!!

I would like to build on Budget Babe's very interesting rant on The Real Singapore.

In this very exciting article Budget Babe extends the idea that it is not prudent to for Singaporean men to spend too much money to impress women.

As a financial blogger of the Income Investing school of thought, I want to take Budget babe's ideas further and insist that guys pay NOTHING when dating Singapore women.

Ok... That's not very honest of me... I'm proposing that guys pay nothing out of their salaries on Singapore women because dating can be free if you employ your investing income to pay for all dates, FOREVER !

The current market is pretty conducive to dividends investors, an investor can build a portfolio that has three components :
  • Large Blue-chips like Venture can give about 5-6% yields.
  • REITs like AIMS REIT which can give up to 7-8% yields.
  • Business Trusts one of which can be Rickmers Maritime which can give from 9-11% yields with corresponding risks.
Suppose by selecting equal asset allocations in each category you can create a portfolio which yields 6%-8%. Let's call it your Valentine's Day Portfolio.

Now let's move on to calculate the cost of a simple weekly dinner date :

a) Dinner for two -  $70
b) Movie for two  - $30
b) Transport          - $50
c) Gift                   - $30

A month of dates with different women would cost $720 a month or $8,640 a year.

A portfolio like the one above would cover all dating expenses would need to be $145,000 if you yield 6%

If you are fairly good investor who can stomach bigger risks you only need $108,000 if you yield 8%.

Of course saving enough money to generate this portfolio is not part of this article, there are plenty of bloggers who can show you how to accumulate $100,000 before you hit 30 years old, most fresh graduates who are diligent can do this before 33 years old.

This particular model of employing investments to impress your Singaporean women can lead to some more interesting insights about how single men can plan their love lives better using financial securities and why many men fail.
  • When in your twenties and building your career, you might what to be cheaper or have fewer dates. 
  • Your bargaining position as a good life partner improves after you hit more than $85,000 a year when you hit 70% percentile within the male population.
Another way of looking at the dating game is this : Use Social Science and Evolutionary Psychology to your biggest advantage. When your position is weak, another words, when you are young and struggling in your career, the last thing you should do is to blow your assets on a sweet young thing. All the bargaining chips are in her hands.

The only thing you have at your end of the bargaining table is your small erection.

Build your asset base, start scoping your lady friends to determine who is a good candidate for a life partner - someone agreeable, non-neurotic and conscientious, when you have a more stable career and cash flow, women your age will find that your relative position has risen compared to other males in your age group.

Only then do you make your move.

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