ayam pay high 14k me only 4k ... =.=

TS, spend it on ur asset and son.

for ur son better future.


if you are a chine....

oh wai....

WOW ~ nice pay ~ i jelly TS

total 10.6k at most ... basic 4k, commision 6k+ ? kerja aper ni.

ada jawatan kosong?

RM14k guy needs advice on how to spend money?

Please...

Ammoshaf ni

abang ni setahun cuti berapa hari? tak boring ke hari2 fikir duit?

/k salary all >20k. You below average so poor. Hopefully in few years time you can catch up

Hey husband, when u sign up for /k one, stop showing off la k?

he dont need advice on how to spend money, but how to save money

let me share my case pulak:

salary 18k, merid, one kid, wife working

expenses:
1 house - 3500 (staying)
1 house - 2250 (weekend house)
1 condo & 1 house - sold off
1 car - 780 (haibrid - still on loan)
insurance - 1000
food - 750
transport - 1180 (ayam constant travelling)
hp + internet bill - 200
parents - 700 (i know ayam kiam siap abit)
1 kid - 1000
expenses + misc - 650 (allocated)

finally ayam saving - 6000

i got one kid also have to think twice 3x 4x 5x for the 2nd one cos ayam gif the best to mah kid. ayam 30 this year, wan to sit c keras or 320 also not ez yo.

inb4 show off /k really do have 5 figure salary pipul lurking

Sorry, yesterday I gotta took care of business emergency, so couldn't continue with this conversation

Buying land is similar to buying houses, with one exception (well, in Malaysia, two or three exceptions)

1. Zoning

You need to know what that land is zoned for --- if that land is zoned for agriculture, you can't build houses, if it is zoned for industry, you can build houses, on the other hand, if it is zoned for residential, you can't build factories on it

But land zoning is not permanent --- they do change with time --- which means, a land which was far away from pusat bandar 50 years ago may be zoned for agriculture, but now that the bandar has come to very near that land, that land can get its zoning changed, either to industry, or to residential

2. Malay reserved land, or not

If that piece of land falls under the "Malay reserved" land, don't touch it, not even with a 10-mile pole

But if it is not, then, it is okay

3. Check, and double check the land title

Since Malaysia is a very fun country, our land title can also be funny --- sometimes people will sell you a piece of land that does not belong to them --- it's a scam, of course, but a scam with the cooperation of some pegawai from the Pejabat Tanah

So you gotta watch out from those scammers

Other than what I outlined above, buying a property and buying a piece of land is essentially, the same

Buying a landed property is buying up a small plot of land with a house built on it

Buying a land is, well, buying a piece of land

That's all to it

Don't get scared of the Province Wellesley --- people there are Penang Lang, like you, and they speak Penang Hokkien Ua too

Take some time to go melancong to those tempat, look at what they got there, and look for opportunities

Right now, in the Seberang, there are a lot of development, especially near the Butterworth - BM - Batu Kawan corridor

That means, there are still a lot of land out there, outside of the Butterworth - BM - Batu Kawan corridor, that are still up for grap

but the 2nd bridge is 22km length

|

for the answer, pls ask arm no, where all our tax money pergi ?

when i was much younger, like 10 years ago, (of course la, harga barang not as high as today, but ...) satu ribu sudah cukup to keep a family well fed, clothed, and sheltered

me myself, becoz have to work like 20 hours a day, mostly eat outside

my food expense per month totals up about RM 350

yes, RM 350 ---

for lunch, i go to the "economy rice" stalls to feed my tummy, get a plate of rice, put one (or the most 2) sayur (not the expensive kind, mostly sayur), and that plate will cost me like RM 3.50 each, that's lunch for me

water ? i bring water from my home la ... more clean some more

for dinner, i normally either go to mamak for a bite (3 roti canai) which may cost me like RM 3 to RM 4 or occasionally a char hor fan, with cost RM 4 or RM 5

That's all to it

Breakfast I take at home

u a very good son, ts

i too from a very poor family (i am from penang too, from tua loh au area)

i too went to the chinese school, and yes, i try my best to be under the radar, because showing off doesn't land me any benefit

all of us from dirt poor background know the importance of keeping a tight budget

those who want to be spotted with shining sport cars and whatnots, they never understood the meaning of being poor, we do

about the "safe car fallacy", and true story

i got a friend, used to drive proton saga

told me that it was not safe, so he changed it to a very safe car, volvo

so one day, he was driving his entire family, and suddenly a car travelling on the opposite direction langgar something and fly, and then, that car landed straight on my friend's volvo, with him, and his entire family inside

what happen next, i think i don't need to tell you guys

safe car can be "safe", as long as your life is not destined to be ended that very day

if your life is destined to be ended that very day, you can be inside the safest nuclear shelter bunker deep underground also you'll dai