instead of deposit 1k per month to ASB
why dont you take ASB loan?
i take rm100k asb loan, after i calculate, the dividend that i get can cover all the monthly installment that i pay for last year

I think the longer, the better? I took 25years tenure...just make sure it wont be a burden later.coz we cant terminate the loan within a year...
Usually car pool during public holiday only...i guess taking the bus most convenient now...last time took the bus almost 10yrs ago when i was still a student..haha..tq

yes..u only get from the dividend at the year end...thats why I take the loan half the amount I can afford and just bank in the other half. As an example...u can now allocate 1k for ASB per month...so maybe RM 500 to pay ASB loan...another RM500 just put it in ASB like u r doing now...in case of u need money, just cash them out. But the proportion really up to you..50-50, 70-80..etc.
or u can also use fahrur_07 method...use the dividen to pay the loan after the 1st year...but then you wont get any benefit from compound interest...