If you heart is with CFE, then get the CFE. Dont get the IAFM but everytime see a CFE on the road you feel abit sour and regret. You are only loaning RM40k++, shouldn't be too hard especially when your salary increase in the next few year.

If you heart is with CFE, then get the CFE. Dont get the IAFM but everytime see a CFE on the road you feel abit sour and regret. You are only loaning RM40k++, shouldn't be too hard especially when your salary increase in the next few year.

actually my heart really with the CFE.. but previous batch cfe many problems ma.. tats why make me chg my mind to get the iafm.. hehe.. but latest batch of CFE ok jo.. hehe.. i am afraid i will regret if i get a iafm.. thats why i keep asking.. hehe.. sry if i bother u guys 

totally agreed. especially its ur first job. increment will happen bro.

all kena trolled

but i have heard many industries in ipoh has freeze their increment.. the company that i having my internship now.. sudah freezed for 2 years.. not even 1% of increment..  all staffs start to jump ship jo.. haha

but i have heard many industries in ipoh has freeze their increment.. the company that i having my internship now.. sudah freezed for 2 years.. not even 1% of increment..  all staffs start to jump ship jo.. haha

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Added on August 13, 2012, 2:41 pm

i am too stupiak to kena trolled 

yup like bro fulat said , dont stress yourself with all these. got a car and start rolling from there. for house and wedding, you are 23, take it easy first. established ur foothold on your career first. after 2yrs then you can start preparing wedding.

this is what i do. im taking my sweet time. proposed to my gf 080811, ROM 21022012 and house readdy end of 2013 and wedding photo session JUne July 2013 and Chinese wedding somewhere in 2014.
u mentioned you want to spent time together , spent it now. after your wedding / ROM , u will be pressured to start "production". trust me . i kena already and whoever start that " production" topic, all kena fucuk by me till the extend i fucuk when my grandma raised this topic when she was admitted to hospital, right in the ward!! that time u mmg no time for travel etc.
now got the car edi, go travel laaaa.. drive 12 hours - Ipoh - KL - Gambang - KTN - Cherating - Terengganu - Redang( car park at jetty) - Terengganu - KL - IPOH. mwahahahahah

dont rush everything in the same time UNLESS U R RICH la. seriously.

breakdown :
1. house cheapest in ipoh goes around 200k ( 180k for 18 x 60 Botani if im not mistaken)
assuming you buy car first  and your loan go through, ur house loan might not go through cz u jsut start work.
2. renovation ( basic + furniture ( basic) : set aside another 40k
3. wedding : sigh chinese wedding can kills la wei! kns! set aside another 80k

you do the calculation how much u will need to bump out if u want to settle all soon.
Mine is under Mulia Pesona
Car now awaits collection in this few days. wmwahhahhaahaha
just realized my NCD is... 55%!!!

things starting to goes better . take it easy.

no increment ma jump ship lo..
every ship jumping sure got extra 20% de

Agreed on your advise. When i was 23rd, i was just driving a SAGA BLM only, not so burden and save more $$$$$$ and 8 years finally over and i bought 2 properties, 1 rent out and 1 own stay and now prepare for my wedding end of this year.
My wife agreed to married to me bcoz she know i am realistic. In Malaysia, $$$$ is very important....without $$$$ to maintain your life, your future will be shits...

Even this year i am going to married, i still feel that my $$$$ not really enough, only enough to cover only. I plan to buy Civic, Forte or Elantra earlier. End up i calculate, was not worth for me to waste or spend too mch on this type of car. I bought Preve can save RM30K++, this 30K+++ i can spend to invest in another property or invest in share market to make my money growth...

Let say if you tell me, you want to drive a luxury car to chase a pretty girl or to show off, i totally not agreed on and you wont get a good girl at the end. And you will be very stress at the end and you got nothing...unless you are very rich...

You drive Kanciu or Viva, nobody will going to look down on you, if you have financial probs or stress... no body will care on you and end up you stress yourself.

i even heard of unisem and carsem deduct 10% salary to all pangkat above manager level for the past month.. hopefully economics will get better in the coming years 

Agreed on your advise. When i was 23rd, i was just driving a SAGA BLM only, not so burden and save more $$$$$$ and 8 years finally over and i bought 2 properties, 1 rent out and 1 own stay and now prepare for my wedding end of this year.
My wife agreed to married to me bcoz she know i am realistic. In Malaysia, $$$$ is very important....without $$$$ to maintain your life, your future will be shits...

Even this year i am going to married, i still feel that my $$$$ not really enough, only enough to cover only. I plan to buy Civic, Forte or Elantra earlier. End up i calculate, was not worth for me to waste or spend too mch on this type of car. I bought Preve can save RM30K++, this 30K+++ i can spend to invest in another property or invest in share market to make my money growth...

Let say if you tell me, you want to drive a luxury car to chase a pretty girl or to show off, i totally not agreed on and you wont get a good girl at the end. And you will be very stress at the end and you got nothing...unless you are very rich...

You drive Kanciu or Viva, nobody will going to look down on you, if you have financial probs or stress... no body will care on you and end up you stress yourself.

aiseh.. bro dhuang dhuang also like that 

dont worry la.. both of us are still a student la..

so getting marry soon will not because of pregnancy or what.. hahaha

anyway..  ask yr bro to drive safe lo.. as raya is coming soon.. good luck 

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Added on August 13, 2012, 9:25 am

yea lo.. 9 years loan too long jo   

aiya.. u und me und lo.. lol 

i am good boy lai de

oh yeah! im a dreamer but my wife is the realistic and materialistic so we actually have the good combo. where she actually slapped the truth to me. i actually wanted to go for Estima or Caldina but after discussion on $$$, i decided to scrapped it off. no point driving such a car but daily i struggle.
either way, u can try go other places to work lo. Ipoh is stagnant but chances is always around and pls dont compare with other city la.

From my perspective now, not bad to take 9 years loan as the current car interest so low 2.7++, you can turn your additional money to throw more to settle your property. Pay more to your property installment to save more interest and reduce your installment yet.

I take 9 years loan, bcoz my company will subsidize me 7 years loan interest. If i take 7 years, my company will subsidize me 5 years interest.

That y 9 years loan is worth for me to pay for my car installment...

Botani still got house RM200k ??!

Yay...bring my New born bb home from hospital using my preve..:-)

hi bro.. firstly, thanks for your precious opinions!

at first...i  wan to buy saga flx or persona too! can save lagi more.. can use the money to buy house or invest in sth else first..hehe.. but my parents disagree with me..

cause they will be paying 30k dp for me on the first car..so they wan me to get a better car as i might be working in other places..  better car is needed if i were to travel always..

i ady got gf le... so i am not buying any nice car just to make other gals admire me..   haha..

If you concerns of long travel and safety issue with family support. Then you can go ahead, at least you don't need to make them worry.

U know, some of my friends same age with me, they bought a luxury car previously because for his GF and his Face....
And now, i don't see they are in a good life until, sometimes they argue with the gf because of the financial issue and they don't have enough money to buy a property/house bcoz of over their budget limited and housing price was hike this few years.