1. First you said you never let bank make your money because they are blood sucker. Now you said if you can't help, let them suck lesser.....good progress you have here.

2. You can't even detect sarcasm. You think PHEV don't need energy to run ? Instead of petrol, you need to charge the car using electricity....Again, nothing comes free in this world. You relative's loan maybe cost nothing to you, but it comes with a cost to them. Same as all other things like PHEV. If you don't pay for petrol, you pay for electricity

3. Hey, you are avoiding the question. You did not provide for the budget of bringing them to overseas. Which could easily cost 5 figures. You want buy house without bank loan, repay relative, use daddykasi things, and bring them for overseas holiday, but never put travelling cost in your budget. Yet you tell the world you can save 50% blah blah blah....all your plans do not jell together...more like a wish of a kid...

Do you see the more you wrote, the more forummers appear to question you ? And the silent readers will read what you said is very questionable....

Bro, another one liner ? Didn’t help people to know what is your point....

For your benefit of not reading from beginning, just to recap part of what me and bro ramjade is discussing so I can see your comment.....

1. He said he can save 50% of his salary.
2. He don’t need bank loan. Car is family’s. House he can save RM30k per year for 10 years, then only buy.
3. After a few posting, he said he can get loan from relative
4. Because relative loan is interest free, so don’t let bank suck his money
5. After that, he change to taking lower bank loan if need to buy house
6. Then he said will take family to overseas holiday in appreciation of interest free family loan

7. My point is most people can’t escape bank loans. He manage to because of daddykasi.
8. As such, he can save 50%.
9. His way of buying property is not achievable in 10 years
10. His 50% savings does not include provision to repay family’s gratitude
11. Also, he said his petrol expense per month is only RM30

Off my head, these are the gist of our discussion. They are a few others raised by other forummers

Now, which part are you referring to ?

You never read, but you make comment ? For the sake of making your presence felt ? 
By the same logic, why do you care about my comment ? If you really don't care, then you should keep quiet right ? 

Forum is where discussion takes place. Through discussion, each other's point is debated and readers will have clearer understanding. And we can have a consensus. That's the benefit of forum discussion

If everyone think like you, then LYN can close down...
Please read the whole thing. So you will make meaningful comment. Not saying something for the sake of saying...