mieza,

Do not mention that name in this thread. I do not look KINDLY on people that FORCED my family and friend out of their jobs and businesses over this past 30+ years.

How do you FEEL if someone else did this to your family and friends??

Dreamer

This post has been edited by dreamer101: Sep 3 2011, 08:04 PM

I do not mention the name. I know how it feel because it happen to me and my friends. As for my sis that almost dying on that time, may God pay for what had their done..

Folks,

Story:

I have PTPTN loan, car loan, and housing loan. Most of my monthly income went into the loan payment. I am slave to the bank. Most of my earning went to the bank.


Reaction of "Can Whine" people

That sounds like me. I cannot do ANYTHING about this. This is so UNFAIR. They should do something to the bank.


Reaction of "Can Do" people.

Level 1 Thinking

I should not do THE SAME as people in this story. Then, I do not need to suffer.

A) Look like it is NOT a good idea to have all 3 loans at the same time.

B) Make sure that most of my monthly income do not go into loan payment. Study what is the safe margin in term of monthly payment.

Level 2 Thinking

How can I PROFIT from this average aka typical people behavior?? Bank must be making a lot of money. Which bank counter should I buy in order to make the most money??


"Can Whine" people are SLAVE to the bank. They pay the bank.

"Can Do" people OWN the bank. Bank pay them.

So, over the long run, which kind of people will become poorer?? Which kind of people will become richer??

It is the MENTALITY!!

Dreamer

This post has been edited by dreamer101: Sep 3 2011, 09:13 PM

Story:

I've so many friend who fight against these people.. What happen to them..?

Some of them kena buang universiti even best student..

What happen to others..?

Become slave to bank.. As for muslim, we can't go to hajj if we do not settle all the loan..

What they do..?

They fight against them to make everything CLEAN.. What happen is that some of them almost dying..

What I'm trying to say..?

That why I'm very happy to live in Selangor.. So many benefit such as free water programme.. and it will cost the Selangor Government RM17mil monthly.. Why it can't be done to any other states..? Money masuk poket already.. I had no idea why people keep choosing 1Malaysia gives you nothing.. To me PTPTN should be FREE.. but why need to pay along with interest..? Because need to fill up someone duit poket..


If things keep going like this how average people want to climb higher..?

This post has been edited by mieza: Sep 3 2011, 09:52 PM

mieza,

Average people keep this government in power. They get what they deserved. Justice is served.

YOUR QUESTION is do you want to suffer like AVERAGE PEOPLE or step outside the box.

Dreamer

P.S.: Stop thinking like a VICTIM!! Ask what you "Can Do" about this??

This post has been edited by dreamer101: Sep 3 2011, 10:18 PM

So many average people can whine because they are slave to the bank, only rich people cannot whine. I wonder how much is the salary to own the bank and how long to reach there? What if family are poor and money pay to help younger brother & sister? Old parent who retired but don't have income and carry illness? The place they stay is rented and don't make enough to accumulate the down payment to buy own house? What if relative need financial assistance?

What can you do if in the above situation to become rich?

3dassets,

You have to ask the question - "What if". I don't. I came from a VERY POOR STARVING family. So, what does this say about YOU??

Dreamer

P.S.: People that are VERY POOR do not have the LUXURY to WHINE. They either FIGHT to survive or STARVE. You cannot WHINE on empty stomach. You are TOO BUSY trying to find some food by some mean.

This post has been edited by dreamer101: Sep 3 2011, 10:25 PM

The "what if" apply to the silent group and you don't know how many of them, compared to those who can afford to whine and not doing enough. I don't think these modern whiners will help themselves unless something happen that force them to take action.

My parent are poor until we moved to KL and in 10 years, my parent become middle class but bankrupt because my father got his mistress pregnant and business collapse selling everything, my aunt from Singapore took over the house loan and became hers by agreement.

You are reluctant to answer my previous questions because you aren't always right and I am not wrong to tell what you don't know, what does that say about me? Are you disappointed I interrupt your teaching? The world is not the way you describe it.

This post has been edited by 3dassets: Sep 3 2011, 10:59 PM

3dassets,

Bingo!! In summary, you asked "What if" because you are NOT from POOR STARVING family.

Dreamer

Don't get too excited, the poor starving period of my time was 7 years as kampong boy. Those are the old days and grandfather story already, how many youngster nowadays suffer like that? The low wage hardships has the same psychological effect on today's laborer, and equally as difficult and burdening.

I spent the past 20 years earning the same amount of income and lower in between, "What if" you too suffer the same? No, you happen to have your hard work paid off and declare absolutely no element of luck is just to make yourself feel proud. The consequences is, you become arrogant and declare yourself a teacher in a public forum, also make you a racist.

You too are product of the society, being rich don't raise your status in the forum but you can drive expensive car and live in a big house. No one will know if you are rich or just a lonely old man who ran out of poor friends to showoff, would we? So "What if" you are a pretender? Must have felt so good to fool everyone.

PS: After so long still don't have an avatar not boring meh? Cannot find one that fit you ah? See how stubborn you are? Type also big and small is very rude you know?


This post has been edited by 3dassets: Sep 3 2011, 11:42 PM

This just shows POOR financial planning

"Level 2 thinking" as you call it, is just too absurd/farfetched/impractical

OWN the bank? If everyone were to be able to have this thinking imagine how many Tom d*** & Harry OWNs a bank?

i dont see why you have to attack 3dassets personally. IMO those questions are valid regardless whether he went through them before or not

dafreak,

<<OWN the bank? If everyone were to be able to have this thinking imagine how many Tom d*** & Harry OWNs a bank? >>

How many people own PBBank stock??

And, do Bank pay dividend to their share holders??

You only need RM1,500 or less to get one lot of PBBank stock.

Is that FARFETCHED?? Is that ABSURD??

AVERAGE people can ONLY think of paying the bank. Cannot think of how to get the Bank to pay them.

What is STOPPING you here??

Dreamer

Bingo....well said....

I do feel that he is trying to show off how good he is thru his hard work and how intelligent he is to find out better way to improve and have the cheek to say that he fire his company instead of just to say he changed job and moved on.

From the way he replies some of the message, he is whining about the govt, he complaints how the govt deprieved him, his family, his friends and so on so forth. Perhaps, his pockets is full and stomach is full, thats why he has time to whine about the govt. Without Mahathir bringing up the economy back in 80s and 90s....do you think he can have such an opportunity to find good employerment and have the chance to make the money? After getting to where he is now, he start to blame.....my goodness....

Short answer... HELL YES!

Without Mahathir (and in truth, it's not the old horse alone but thousands of other corrupt, lazy, power crazy politicians in his supporting cast), Malaysia would have been more successful. Much, much more successful. Mr Bean would have been less of a hindrance to the country's development (economically, legally and socially) over the same 22 years.

With 6 times the human potential of Singapore, more natural resources than we'd possibly need (oil, lumber, tin, rubber, land, water, agriculture etc), and a legacy of the best Western administrative, educational and legal systems at our disposal... Mahathir, his predecessors and successors have still managed to turn the country into a social /racial /religious /political basket case that's slowly coming apart at its seams.

Tigerr,

Hell, yes.

You will be paying the price for what TDM done in 80s and 90s for a long long time. You will find out soon enough.....

Dreamer

Applying what you keep saying here,

(A) continue to whine how much the damage that we going to pay. Do nothing.

(B) Find out what to do in order not to be burden

© Move to other place so that you can keep your wealth and be very rich on other country.

So, why waste energy here. What has been done by Mahathir has been done, he is not Gaddafi or Saddam Hussein, nor he is Lee Kuan Yew. U have a choice by staying in Texas after your graduation and i believe your life could have been 1000 times better than now.

Dont misunderstand me as i am not one who support Mahathir here.

This country is filled with corrupted politicians and wasn't entirely Tun M's fault that wasted the advantages, the kind of political stability does provide a conducive environment for businesses to strive and are taken advantage of also abused. Since this topic chant mind over matters, one should find ways to overcome policies or restrictions and absolutely no excuse in dreamer101's term and he become rich.

So, need to bother about NEP and such? Dreamer101, tell us how you defy and triumph rather than an obstacle to investment, show us by example how to overcome those policies so that young people who don't understand what NEP means and won't matter to average people can avoid the shit hole.

This post has been edited by 3dassets: Sep 4 2011, 01:08 AM

Tigerr,

<< Applying what you keep saying here,

(A) continue to whine how much the damage that we going to pay. Do nothing.

(B) Find out what to do in order not to be burden

© Move to other place so that you can keep your wealth and be very rich on other country.>>

Bingo!! What do you THINK I do??

<<So, why waste energy here.>>

This is NOT RWI.. This is jobs and career forum . Stop bringing TDM here.

We are discussing how to SURVIVE if the environment turn hostile to you.

We DO NOT CARE about the politic. We CARE about how INDIVIDUAL can prosper and survive.

Dreamer

This post has been edited by dreamer101: Sep 4 2011, 01:18 AM

Teacher dreamer101, taste your own medicine. Please answer diligently, thank you.

This post has been edited by 3dassets: Sep 4 2011, 01:23 AM

definately agree with you that here is job and career section. So, shall stop all those politics, religions and non related discussion. peace.