If drive around Klang valley...


My wife drive Viva. Petrol 1mth less than rm100.

This post has been edited by felixmask: Mar 9 2013, 01:41 PM

Wow! less than RM100. That's good car milleage for daily use.

Me and my wife work nearby, so come in the same place, and walk to office.

Kuchai Lama to Golden Triangle using Smart Tunnel(avoid traffice jam) early morning - 15min to 30min and go back after 8pm take 20min.

The most important is the location where we work , where we stay ( distance) and traffice we use.

This post has been edited by felixmask: Mar 9 2013, 02:21 PM

Me also nearby u
Drive to Mont Kiara...RM200-250 a month with 1.3 Myvi

This post has been edited by Pink Spider: Mar 9 2013, 02:24 PM

I got a friend knowing him for 15 years. Till now, same go to work with motor cycle. Is telling me wanted to resign his work for early retirement but going to help other people (community work).

remind me also, tire working with corporate life, everyday like go war zone - throw bom and shield from bom, work like slave for BOSS not the company.

"My company pay me peanut to perform Monkey Show but pay other Monkey eating peanut see my monkey show"

Day night struggle to fix system and clean prblem.

Retire early -get out from monkey show but do the job like Top management - got horse to point to do, while got chances

My financial aim - Ever month aim to save arnd rm1k and never spend on my Bonus.

This post has been edited by felixmask: Mar 9 2013, 02:40 PM

on the contrary, I save and invest my monthly excess cash, and use bonus to cover "holes". rationale being, monthly cash flows are predictable, whereas bonus is not fixed.

Just swiped card overhaul my dad's car for RM7.5K. my 2012 bonus is officially finished

*delete double post

This post has been edited by Pink Spider: Mar 9 2013, 03:03 PM

Hi Felix,

You in service field? Like in IT. Just my guess. My friend did his investment early before I knew him. So, should have no problem for his retirement plan.

I am trying to save a monthly RM2K - RM3K and yearly bonus and dividend to go unit trust.

so fast when you got it ? Mine this coming march ? planing to Sai Lang some equity stock and 30% to bond fund/FD.

Bingo me in IT.

U better still aim to save rm2k - rm3k.

Rought estimated yearly saving/investment around rm20k. and another 20k you put in UT.

chinaman company, bonus pay before CNY

RUN by ANg Moh...report to Hong Kong.

Hi guys...
I worked for one and half year, but until now I don't have any saving.
All my income go for car loan, house rent, credit car(petrol, phone),facilities.
I wish to invest such as UT... But first to first, do not have any saving, how to invest on these all?
Do you guys have any recommendation on earning some side income?

Do not say that you cannot invest if you have saving or money?

Do you contribute to EPF first? If yes, you can always start from there first.

Next will be to outline your cash flow (inward and outward) and from there, start to reduce or chop off unnecessary expenses for saving.

If nothing can be eliminated, then you should start to consider on how to increase income. Perhaps, additional part time job.

This post has been edited by David83: Mar 10 2013, 01:51 PM

I have try to cut off my expenses. But saving little by little seem like too slow for me.
I try to get part time job, but I have no idea on what part time job should i get.
My working time is from mon to sat. I dont have any time to go for part time, unless some part time that can be done online or thetime is flexible.

Hi, just now the guy asking,

viva 1.0 auto, but i think only 3 years warranty, that's why i hesitate. 5 years warranty can ma? And choice between EZ and Elite?

Back to topic.

For EPF, can I do something like this?

1) withdraw money from Account 2, invest in UT.
2) few months later, withdraw that portion from UT for cash use =D

For Viva question, I didn't purchase the EWP neither. Standard should be 4 years and EWP gives an extra of 2 years. To reduce big lump sum service/repair, I recommend you to periodically send your car to repair even though your car hasn't reach time mileage or date timeline. The EZ and elite difference are mainly differ in face lift and accessories.

Next on EPF thing:

1. You can do that provided you have excess.
2. You're not allowed to do that. Any proceed from repurchase must go back to EPF.

thank you. btw EWP=?