So I had a face-to-face discussion with my father about the OPM method and he disagreed. Somehow it's quite difficult to discuss financial matters with people way older than you because they assume that they're always right in the matter and they dislike conflicting opinions.  I don't mean any disrespect and I know they are wayyy experienced in this matter...but as always its frustrating. 

Anyway apparently from what I understood from the discussion was the biggest issue with OPM method is risk (plus the hassle of queueing up at the bank every month - but hey we've got internet banking these days...so that's a non-issue). I never dealt with loan termination procedures before and apparently as a newbie I was made to be scared with every possible imaginable bank bureaucratic nightmare (delays in getting ASB loan re-disbursed, delays in getting back insurance premium, low principal to interest ratio in the early years of payment - low amortization).

But my father did agree with leaving the dividends alone though and using my salary to pay the monthly installments.

In addition I'm also being told the risks of getting laid off and not being able to commit to monthly payments when out of job - but I guess that topic would belong to another thread.

Now I'm having a frustrating dilemma of security vs maximizing gains.  :confused:

You must be living in your own little voncrane world... Lol. You post nonsense figures and say we acknowledged them? We took your figures, and stuck it up your arse and you still can:t feel it. You must be some loose goose bruh... Like I said... A special kind of breed.

See calculation below...
Bla bla bla.. once again.. Here, some real calculations based on overflowing ASB and sem-full ASB2 alone.. Other similar and dissimilar investments not withstanding.... Less talk.. more numbers. See below..
Delusional? Speak for yourself bruh... You sell IPTV services and I can understand your bread is threatened and so the need to lash out. But hey, its unhealthy to simply do so.... I pay for Hypptv, Hulu Plus, Netflix, iFlix and a few other choice IPTV services I dare not mention. Been paying for years... If you know Netflix, I used to be considered on a grandfather plan.. Long before they moved into Asia.. Go figure.. I tested your service and found it severely lacking and hence divert MY funds elsewhere. So cuz the forum refuses to allow you to promote your sales.. Go take it up with the LowYat Mods...
Loan
Amount: RM200,000
Interest: 5%
Term: 30 Years
Monthly Payment: RM1,074

Terminate after 10 years.
Total Paid (to bank): RM128,880
Total Interest Paid(to bank): RM91,520
Total Principal Paid(to bank): RM37,316
Accrued Interest (Flat @ 7% per year): RM193,430
Final amount: RM401,932.28
Principal Left (to pay bank): RM162,684

Therefore: 401,932.28 - 162,684 = RM239,248.28
Own Cash
Terminate after 10 years.

Base Amount: RM30,000
Total Amount Invested: B.A + (RM1074 * (12*10)) = RM158,880.00
Accrued Interest (Flat @ 7% per year): RM88,387.30
Final amount: RM247,267.30

Base Amount: RM30,000
Total Amount Invested: B.A + (RM1100 * (12*10)) = RM162,000
Accrued Interest (Flat @ 7% per year): RM89,793.76
Final amount: RM251,793.76

Base Amount: RM50,000
Total Amount Invested: B.A + (RM1074 * (12*10)) = RM178,880
Accrued Interest (Flat @ 7% per year): 108,580.53
Final amount: RM287,460.53

Base Amount: RM50,000
Total Amount Invested: B.A + (RM1100 * (12*10)) = RM182,000
Accrued Interest (Flat @ 7% per year): RM109,986.98
Final amount: RM291,986.98
291,986.98 - RM239,248.28= 52,738.70
As to others... These are MY calculations and made to my specs... Some people love to live on borrowed money.. others don't and love freedom while making more.. To each his own.. I sleep amazingly well @ night..

Just take moratorium for ASB.

Only in Malaysia do investment on loan and get complete 12 months dividend tho not paying for 6 months

You get cash in hand, dividends and you can cancel anytime you want.

What else you want?

moratorium approved..

basically zero cost dividend for 6 month..hehe