land too expensive

yes..penang very hard get

want to invest another property say condo, a decent one also rm600k now

have to pay rm2500 per month which i think another burden so i prefer concentrate the current 2 property

reminds me of a person i know who's in a "senior" position
simple life, few properties, simple old car
till on day, crash on one of the hill stretches in Penang during rain and escaped with having to use wheelchair and crutches for a few months while the other party in the car was a bit less lucky
after that, he decided that he should get a better and safer car. not BMW/MB, just a well specced korean
oh, the simple car was one that is supposed to be safer and more modern than an iswara

very correct thinking !

car is a tool, to ferry you from point A to point B

no matter it is a beamer or a proton, a car is a car

unless u gonna stay inside your car 23 hours per day, a beamer will be just like a proton, sit in the sun for 23.5 hours a day, without any passenger

that is why, ever since i bought my cheapest model of toyota 17 years ago, i have not changed car

my waifu keep mumbling at me - i dun care

even my co-workers asked me why me, the boss, still drive that (to them) old car, i just smile

yeah, they drive much nicer cars than mine, but ... when i look outside my office windows, i see my car sitting next to theirs, under the sun

hahaha, and mine, i dun need to pay anything, other than the maintenance, the road tax, and the petrol

4k savings with 10.5k nett income is considered quite good for my standards (if can save >30% of nett income is very good), you have some assets in your hand already. How about, invest 3.5k in trust funds etc etc. and save 500 for insta cash for rainy days.

if your property is not in Penang island, suggest you flip one and get a condo 1k sq ft, in Penang island for RM650.
In a year, the one in Pg island is going to increase to one million++!

land in seberang, my man

not on the island

there are still land in places like simpang ampat, like kepala batas, like pematang (whatever), like pongsu seribu, still land out there to be bought

Very good.
Qualify for BMW328i if you working in MLM / insurance line.

Sorry slow to online.

This post has been edited by CoffeeCow: Jul 4 2013, 03:04 PM

This is one good penang /k/tard !

yap

can drive your old car go seafood order the most expensive ikan jaws

whereas the vios/camry fello go seafood order the cheapest ikan bilis

not familiar in that area

also never do land before.... this 2 house also hard work

overspending..how could you

Looks legit.
Blow another 2k on another property.
2k monthly fixed savings should be pretty handsome.

me 2cents.

our senior it engineer here can't even seem to construct a proper sentence in english

how much do you guys spend on food a month?

so good, ur wife willing to share expenses.
ayam 14k also not enough to support

meaning your wife dont pay anything?

what kind wife is this?

what she do with her money?

RM4K enough for 1 wife 1 kid lah... even my wife not working also can.

Gaji 14k.

Take home 10500. Mana 3500 pigi??

house price 800k = bubble.. crazy to buy
house price drop to 700k = bubble bursting.. wait some more
house price drop to 500k = not yet hit rock bottom.. almost there
house price go up to 600k = temporary up. sure go down again.. aiyah.. why didnt buy earlier
house price go up to 700k = new bubble.. sure go down again

someone's calculator is faulty too

27% tax and 11% EPF, net is NOT = 10500.