dude i bought it already, its just nice for my room, my viewing distance is about 11ft, i dont move my head during action scene. damn satisfied with this internet tv

my financial goal is 100k savings, i think i can achieve that even after spending this amount.

how old are u?

sure can archieve rm100k but question how long.

Alwasy remember to put timeline. Else after 20year also goal still rm100k.

sure can  . I archieve rm100k cash at 30 too.

Alot scarify : no complain no car, no complain no gf, no complain fancy phone, no complain fancy internet, no fancy fine dining, no complain holiday, no complain nice clothes, no complain stay at DBKL flat, no complain take bus and train, no complain no clubbing, no complain no starbuck.

remember dont buy thing you dont need, later you will sell thing that you need.

Separate Needs from Wants.. And work from there

Settle the car loan with your travel budget.
Insurance can terminate it, then rm150 extra can put in EPF. In case of sick, can always use government's service.
And most of the time, sickness is collect by your self, by having a bad lifestyle.
Phone bill still can do better, mine are only rm10-15 a month.
My name currently only registered 1 car loan.

Why I terminate it? Because a simple word : they are cheating. Case closed.

hey guys,

i'm not sure whether this is the right place to ask..or to tempat merayu..

i need some advice regarding my debt issue and how to manage it ,all this debt i've accumulated because i was having family problems, since a few years ago. 3 months ago my mother passed away.

as far as i remember, i do not have any late payment, and as for cc, normally i will pay more than minimum everymonth.
easyrhb pl = monthly 1028, normally i will pay 1.1 or 1.2k tenure left 51 month with 35k to clear
maybank cc  = 4.5k limit 5k
citibank cc= 4k limit 12
aeon cc = 4k limit 6k
standard chart cc = 197 p.m balance transfer of 6k, still 32 from 36 months
ptptn = 40k left, last year paid 10k,,which i regret why i didn't save the money. now pay only when i have excess money

now my monthly other payment
car persona = 539 - SI still have 70 months to go
motor = 225 - SI - still have 2 years to go.
rental = 250
unifi  = 169 another one year contract left(claimed from office rm50 another 40 from housemate)
allianz insurance = 179  -
gym = 179 contract one year left

misc like top up, etc.. around rm 200
bike fuel, minimum rm25 for 300km..nowadyas i refill once a week, so like rm100 or so
the rest is for my living expenses.
car is only used for balik kampung.. like 4 full tank(rm75) everytime i balik kampung. i had to because i still have my grandmother in hometown.. and i will go on balik kampung every 2 months starting this month.

so, after i paid all of thees, will have around 600 left for my monthly expenses, not including fuel. if i had to go hometown i had to use cc..

oh ya, i forgot to tell, i'm 27 and single working in private sdn bhd SAP Consulting company. now i only have rm1k left as my savings and i use gym and fasting as to reduce my weight since i'm fat. .
i really need some advice as i dunt really know what to do..and i don't want to go akpk too..

Well, if the "advisor" will advise me not to buy insurance and any of the sure lose money scheme, then I'll listen.
You also already says the insurance will self depreciate, which meaning it is cheating in the first place, people have to keep on add money to get protected while sller will keep on enjoy luxury life.
Now working in ME, company only providing economy class tickets. By not trusting any of the cheating agent or advisors, I'm enjoying business class tickets.
Guess you are agent, right? And trust me, any of the agent that approached me will say they are the best.

All the salesperson are cheater, basically.
I don't go private hospital instead going to government hospital. How much I need to fork out money? <10% from what private hospital charges.
Car insurance I always buy lower than market value.
SO, do I need medical card? Indeed I need it in my dream, but not in reality.

Basically on first year they will pay 100%. Only second year onward will be lesser and lesser.
And even you renew based on market value, in total lost cases they will still pay 80% from the market value.

"see food" <hungry> lar 
if U or yr love ones spend like 90 to 120 days out of MY consecutively, best to buy specific medical insurances that covers such. from the sample run-of-the-mill PRU, AIA, GE, Manulife ones that i saw,
all has that xx days exclusion clause and doesn't cover insured if it happens,
even though insured is back in MY.

Note - this was about 2 to 3 years ago when i was reviewing my "everything" (Wills, trusts, insurances, etc).
Let me go poke RoyStevenUng to see if things have gotten better in the local insurance market - though i wont be holding my breath 

Hi Sifus,

Here's my condition.

Net Income : RM 3,000
Car Loan: RM 550 until year 2019
Insurance : RM 200
House loan for parent : RM 250
Rental : RM 100
Balance Transfer : a) UOB - RM 300 until October 2015
                          b) OCBC - RM 280 until July 2015
Maxis : RM150
Petrol : RM200
Meal & Entertainment : RM 400
Saving : RM 500

I am planning to have a renovation for my new house, I have only 20k on hand which is not enough. I plan to apply for a personal loan of 15k for a period of 4 years. 2.5k from the personal loan is used to settled the balance transfer. I know the interest for personal loan is high, i want to know if I make an early settlement or pay more every month, will the interest reduce? For my salary & expenses, is it ok to apply for a personal loan?

The new house is bought by my husband. I no need to pay for the installment.

Here's my husband statement

Net salary 10k
car loan 800
house loan 1600
parent 800
Credit card balance transfer 200 until september 2015
Car maintenance rm 200
petrol rm500
tol rm150
astro 80
meal 500
saving 1000
insurance 300
invest 1000

the main reason i am thinking of personal loan is because i do not want to spend my husband money on renovation since he already pay for home loan. After summarize his expenses,i dont think i need to do so. I think i can take from him without paying the interest to bank.

that i already have. those will be used to sustain living otherwise going to be used up for clearing loans only. the issue is the huge imbalance of commitments between both of us