Kinda remember a quote from George Clooney in the movie "Up In The Air" - The slower we move the faster we die. Make no mistake, moving is living.

stay with your mom and dad

they'll appreciate the company and reduce the empty nest syndrome

if u stay outside, u can get housing allowance which is about a few hundred per month

good quote. but again, at some point u will have to settle down and think about your old age. u dun want to be at age 50 and still sending yrou kid to kindergarten. everyone will ask you, is that your grand son?


ayam at that stage liao. quite late

A kind of true. We follow opportunity, not waiting for them reaching our location just because we are too locked to get moving.

Point taken, thanks for sharing the quote!

Possible to comply, as current house is a walking distance from hospital

How about purchasing medium-cost house (max RM100k-150k) and try to settle within 10 years (doable considering the combined salary AND I am tied to gov for 10 years service). After that, get moving and leave the house for rent.

OR it would be better to purely concentrate on ASB + AS1M and buying the (much) better house for permanent stay?

Did you friend mention how much the allowance? I'd receive the information from my senior whom currently doing her HO.

Nett salary during HO : 4.5-5k inclusive the allowance and whatnot. Quite good.

OR 3.5-4k, I am not sure. But I think 5k max inclusive all.

This post has been edited by Mr.Docter: Jul 1 2013, 11:19 AM

You more than stable already, can start to get married la

depends

my sis in law got rm 800. but she's a U52.

at your stage, it'd be better to develop your skills as a doctor

be a specialist

even govt specialist can earn about 12 - 15k per month

don't try to be to specialized, like brain surgeon, not much market

high in demands are oncology and orthopaedics

Yes, Around 3-5years the longer the better, push the capital higher for high dividend return...
Minus current year vs. previous year... he is selling every damm things & always forcing us to buy..

don't worry bro...u can buy the car with the dividend that u get...

as for me, i've done the asb loan back in 2009...at the same time, also got the personal OD attch with asw cert...

after 4 years which is this year, my dividend in asb is still intact, used my asw dividend for downpayment of car and also the monthly installment...still using my salary to pay my asb loan worth 250k and my wife asb loan worth 200k...

As per BNM latest directive that personal loans must not exceed 10 years, I guess ASB loans fall under this too? Or is it not? Any bankers can clarify?

planning to get asb loan for 50k, which bank should i go? maybank or rhb?

not affect due to the asb loan is an investment loan not personal loan according to my banker...
i just signed the agreement today for 50k

maybank due low interest and no lock in period

Hey guys, sorry if I sound alien but reading about ASB loan makes me confused.

Say if I took 100k for 10 years, so to get good ROI I can terminate the loan after say 5 years and reap the profits? Meaning montly commitment would be around RM1667 correct?

i think better u saving urself.. my 1/2 cents
coz u can use your 1667/month to lasb y not to ur ownself saving.

5 years u can reach 100k.

here the schedule [URL=http://brunialamira.blogspot.com/p/jadual-simpan-asb.html] (my schedule )

Self savings for 5 years, not sure if can manage to reach 100k..lol..