Seeking enlightenment   
hi. currently i'm self employed. but due to some family issues,
the company is not registered under my name (my parents), and all my shop operations are run using my personal account (regret this)
although i registered a new ssm but it cannot be used (first, its less than 2 years, 2nd, the shop premises was leased to my parents' company not mine, and the contract expires end of next year, so i have to stick to their company temporarily now).
Technically i have no commitments, since everything is under my parents company's name, car, loans, etc.

so technically as an employee, ,my monthly salary is 3k, having EPF too. Am i eligible to apply for loan?
If yes, how much can i apply for and for how long.

Hi guys can give some advice on my financial :

Just started working
Age 24
Nett income: RM3.5k

House rent: 225
Water + Electric : 170 ( Include parent house)
Motorcycle loan: 431
Parents: 300
Phone + Internet : 140
Fuel : 80
Saving : 1364
Eat : 360
PTPTN : 80
Self spend + shopping : 350

Current Saving :
Tabung Haji 3K ++
Planning to married next year.

Btw I'm thinking to invest some portion of my saving into high dividend stock. It is good idea or i need to save more before start investing ?

2) Hence why I put it lower than market. 6 months is only 4.2k. By doing this, I believe id get a more long term tenant. And also could control thier late payments by limiting utilities at stated late period. Lowering the risk of defaulting.

Also note that my young mind is being arrogant
Not the same place..

I already read your blog and interested doing things like you. Can you give some guide on investing high dividend stock? Fyi i already have CDS account and buy some stock for experiment..but things not doing well. Btw thank you for your advice

Background:

I just graduated. Waiting for my turn to be a government servant in 2-3 months' time (or longer than that, who knows?). Currently working in a commission based company. First month of working raked a healthy 10k+ salary. (no bs) Second month around 3k+ and it's only mid of April.

Problem:

I don't have my own transport to work. My mum would need to get up early to send me to work which I feel it's a bit tiring for her. And sometimes she will have things to settle and in the end I'll be late for work. She doesn't allow my to drive her car. I was thinking to get a 40k+ car for the time being. Previously I tried to apply for loan with my mum as my guarantor but it wouldn't go through as her business is kinda bad these few years.

Question:

1. What should I do? Unless I earn another 20-30k (factoring in car price, maintenance, emergency etc) to buy the car in cash, I will need to take loan.

2. Can I take personal loan for used car?

3. I can try applying a car loan under my own name but I was told that I need 6 months payslip since my job currently is commission based.

I'm planning to get the car before I start working with the government cos by then I'll be too busy to even view the car I'm about to buy!

Please advise.

Thanks Mum, will look through the link.

About financial planner, what types do we have? Usually the ones that i've come across are trying to sell some sort of investment schemes.

I do have some in ASW but the quota is always limited, which is a headache.

Exit plan: Housing loan is paid ahead for about 2 years over now (took a FD and put it in the home repayment account to reduce the interest, the amount is still there) so it should be ok. Daily expenses as of now is not an issue since i'm staying with my parents but i would prefer to save up at least 6 months emergency fund.

Will read through the link for more input. 

Thanks Dividend Magic, let me do more reading and research first. 

Stock market dont play2 arr... if u kinda person that do saving every month deligently and then got some EXTRA, that EXTRA can play stock. Strictly dont ever play stock using ur saving money.

Playing stock are very big risk taker. U not going to play stock with 10 lots only rite? Of course u wanna buy as much as possible to earn more. If the counter performing, then u r lucky. But stock market got its up and down. Once its suddenly going down deep, that time arr i told u..u cant even sleep at night.. every morning 0900  to 1700 hrs u'll be glued to ur monitor see ur money fly.. sometimes, money can fly further below againts whats ur capital.

Really need to study hard on the counter u r going to park ur share.

So, put thing simple,
Got extra, can play.

No extra but using saving to play and wanna feel it,well, go ahead if u think im wrong.