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> "Beli kereta, percuma kereta", Mana mau

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Hexism
post Jul 26 2015, 05:08 PM

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? without even going into the actual numbers.

1) Ali gets a new car instantly
2) Ahmad doesn't


Ali enjoys his life to a greater degree for 9 more years than Ahmad.

so
instant gratification vs delayed reward
ymc2303
post Jul 26 2015, 05:20 PM

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honda civic price remain same for 9yrs? without tax?
TSwantrader82
post Jul 26 2015, 06:03 PM

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QUOTE(tescogot @ Jul 26 2015, 01:16 PM)
jadi macam rosmah la best
*
Itu Sudah semestinya
TSwantrader82
post Jul 26 2015, 06:05 PM

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QUOTE(ramdieslow @ Jul 26 2015, 05:02 PM)
Lemma be Adam

Adam got RM19800

He went to junkyard. Find cheapest available bicycle for RM300

Then, he participate in Skim PR1MA by Bijan. Buying a house at 100k. Then he participate in the PKNS Selangorku Schem. He bought two house at Cyberjaya and Puchong.

After 9 years, he got

1. 1 highly functional BMX bicycle since the last 9 years. 
2. One PR1MA house worth 500k
3. One brand new audi TT (bought cash after selling the the 400k Selangorku PKNS house)
4. Brand new Civic. Just to show off to Ali and Ahmad
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Waaa....more clever.....
TSwantrader82
post Jul 26 2015, 06:06 PM

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QUOTE(Marcus95 @ Jul 26 2015, 04:56 PM)
then halfway you mati
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We dunno when will die lor.....
vin_ann
post Jul 26 2015, 06:07 PM

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QUOTE(shahzane @ Jul 25 2015, 07:11 PM)
Cerita tipu. Honda Civic paling mahal baru RM132k

tongue.gif

but seriously, financial advisor will tell u to follow ahmad, but your heart will puch you to follow ali.  rolleyes.gif
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+1
MohdPuskas
post Jul 26 2015, 06:10 PM

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So moral of the story is buy 2nd hand car ?
barneysteinsson
post Jul 26 2015, 06:12 PM

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QUOTE(Burningsunz @ Jul 26 2015, 01:19 PM)
Cerita 1

Honda Civic harga RM165,000

Downpayment bagi RM 19800

Loan amount RM 145, 200

Interest 4%

Period 9 tahun

Bulanan RM 1,363 bukan RM1828

Cerita 2

Bulanan RM 1,828 dalam unit trust

Pulangan 10% faedah setahun

RM 1,828 x 12 + 10% = RM 24,129.60

9 tahun duit Ahmad menjadi RM 217,166.40 bukan  RM320,821.60

kalau TS kerja unit trust pun nak convince people tolong buat homework dulu...jangan hamtam aje
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cerita 2 doesnt work that way la bro

u forgot to include the compounding interest hmm.gif

correct me if im wrong

This post has been edited by barneysteinsson: Jul 26 2015, 06:12 PM
K.I.T.T
post Jul 26 2015, 06:14 PM

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QUOTE(bee88 @ Jul 25 2015, 07:16 PM)
Ali sudah enjoy Honda civic 9 tahun Ahmad baru mau enjoy. MNetau Ahmad mati tengah Jalan tahun ke Lima pandu kereta second.
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ahmad mati tengah jalan Honda Civic Nothing too loose. but if Honda Civic mati tengah jalan Ahmad mengamuk said kena tipu dengan seller.

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This post has been edited by K.I.T.T: Jul 26 2015, 06:15 PM
silent_stalker
post Jul 26 2015, 06:15 PM

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Merepek. Thats all i have to say
TSwantrader82
post Jul 26 2015, 06:16 PM

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QUOTE(MohdPuskas @ Jul 26 2015, 06:10 PM)
So moral of the story is buy 2nd hand car ?
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Berakit2 ke hulu berenang2 ke tepian....
K.I.T.T
post Jul 26 2015, 06:17 PM

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QUOTE(barneysteinsson @ Jul 26 2015, 06:12 PM)
cerita 2 doesnt work that way la bro

u forgot to include the compounding interest  hmm.gif

correct me if im wrong
*
don't forget currency . don't forget rumah dah habis bayar ke belum. don't forget minyak petrol naik ke tidak

after 9 years if GST reach 20% ...ur money become toilet paper already.
K.I.T.T
post Jul 26 2015, 06:17 PM

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QUOTE(wantrader82 @ Jul 26 2015, 06:16 PM)
Berakit2 ke hulu berenang2 ke tepian....
*
kalau pakai Jet Ski kan senang...
Burningsunz
post Jul 26 2015, 06:18 PM

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QUOTE(barneysteinsson @ Jul 26 2015, 06:12 PM)
cerita 2 doesnt work that way la bro

u forgot to include the compounding interest  hmm.gif

correct me if im wrong
*
if he were to dump his 24,129.60 in the 2nd year and keep on accumulating till 9 years i think can become millionaire already and not 300k+
TSwantrader82
post Jul 26 2015, 06:18 PM

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QUOTE(barneysteinsson @ Jul 26 2015, 06:12 PM)
cerita 2 doesnt work that way la bro

u forgot to include the compounding interest  hmm.gif

correct me if im wrong
*
Please show me the calculation bro....math fail lor.... biggrin.gif
SUSNachiino Etamay
post Jul 26 2015, 06:21 PM

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QUOTE(wantrader82 @ Jul 25 2015, 07:04 PM)
Isu : Nak beli kereta Honda Civic harga RM165,000
Kita mampu sediakan downpayment : RM19,800

Cerita 1

Ali nak beli kereta ni.
Ali bayar downpayment. Yang lain, dia buat loan.
Katakan interest rate Ali dapat 4%
Monthly Ali bayar : RM1828
Itu untuk 9 tahun.

Selepas 9 tahun, Ali akan mempunyai kereta Honda Civic
berusia 9 tahun.
Cerita 2

Ahmad nak beli kereta yang sama,
Honda Civic harga RM165,000

Ahmad mampu sediakan downpayment : RM19,800

Tapi, Ahmad tak beli kereta tu, sebalik, Ahmad guna
duit tu dan beli kereta second hand harga RM19,800

Setiap bulan Ahmad simpan RM1828 dalam unit trust.
Secara purata, Unit Trust tu, bagi pulangan 10% setahun

Selepas 9 tahun, duit Ahmad menjadi : RM320,821.60

Selepas beli kereta idaman Ahmad, Honda Civic,
duit Ahmad tinggal RM155,821.60
Selepas 9 tahun.
Ahmad mempunyai
1. sebuah kereta 2nd hand
2. sebuah Honda Civic baru
3. simpanan berjumlah RM155,821.60
Soalan saya, anda pilih nak jadi macam Ali, atau macam Ahmad?
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-takyah beli kereta, beli motor.

- lepas 9 tahun, jadi RM500,000+++

- but in exchange 0.005% of the time, you will die in motor. (u need to ride motor 35,000,000,000km before u have a chance to die)
HolySatan
post Jul 26 2015, 06:29 PM

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ringgit makin jatuh
nasrynordyn
post Jul 26 2015, 06:34 PM

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beli insurans, pegi tingkat 14, then jump
write will to sedekah the money then straight to heaven..
got amoi2 cantik sommore
barneysteinsson
post Jul 26 2015, 06:37 PM

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QUOTE(K.I.T.T @ Jul 26 2015, 06:17 PM)
don't forget currency . don't forget rumah dah habis bayar ke belum. don't forget minyak petrol naik ke tidak

after 9 years if GST reach 20% ...ur money become toilet paper already.
*
sekarang cite pasal effect of compounding interest on the final amount accumulated of money la bang, not taking into account are inflation n currency xchange

QUOTE(Burningsunz @ Jul 26 2015, 06:18 PM)
if he were to dump his 24,129.60 in the 2nd year and keep on accumulating till 9 years i think can become millionaire already and not 300k+
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lazy wanna calculate lol, but the point is u cant calculate straight liddat

QUOTE(wantrader82 @ Jul 26 2015, 06:18 PM)
Please show me the calculation bro....math fail lor.... biggrin.gif
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forgot how to utilize excel for this lol

summoning empyreal, /k/'s very own finance/econ guru
SUSs2peMocls
post Jul 27 2015, 09:41 AM

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Ali / Ahmad should just buy a VIOS.
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