What car to buy?

Recently.thinking of buying a car.What car to buy.Wondering whether to buy a 10 years car paying cash of cost less than 10 thousand or buy on loan.Its so headache.Honestl,to buy a car within RM 10k its a bit tough!Because there is not much choice.Only Malaysia Perodua Kancil,for 10 years unit have such price.So its either buying a small n old kancil or buying a car on loan!

Love hyunai getz so much.but after listening to advice to friend who are expert in it,its a CANT buy car.The spare parts of the car is expensive and the depreciation is high.So if i really want to buy that car get ready to sell it at very low price in future.So no choice,had to buy malaysia made car!

Now ,headache on what car to buy.Either buy on loan or buy cash.This is the main issue that wonder me.Really dont feel like paying loan on the car everymonth.Its not worth doing so.i feel!That why!but what my friend told me,dont buy so cheap car scare got alot of problem.

today phone my friend who is quite an expert in buying second hand car.he ask me to do few things!First,have to check the 'geran" of the car,then must check whether the air cond is ok or not so must test /see the car at daytime because if air cond got problem it need quite alot of money to repair it,and lastly have to check when we start engine whether got white smoke or not to make sure the motor oil is running well!

So i had to make up my mind d lah.When i can go to view the car and also what car i should buy!

Why i need to buy a house?

Everybody have their own dream house,what type of house is your dream house?

Nowadays,everybody want to buy a house.But before buying a house have you ever consider can u afford to buy a house?If not why are u following the crowds,people buy so you buy.Dont ever buy a property without doing analysis.

Basicly there are two reasons people buying house :

(1) Accomodation

(2) Investment

Different type of house for different purpose.So confirm what is the reason of buying a house before choosing the location and type of property to buy.

So let us go deeper into the considerations that you need to made if you are considering buying a house for accomodation,firstly ask yourself what type of you that you would like to live in?This maybe depending on the area nearby to the train station for commuting to work.Go around to have a look on the area which is suitable to you.Figure out the rental payment for the area of interest.Compare the rental payment and the mortgage payment then only decide whether you should buy or rent the house.

Below are some basic calculations showing how the mortgage of the property:

House=250000(assumption)
Rental=1700per month
Down Payment=50000
Mortgage=200000
%Interest Rate(per year)=7%
Total amout of interest=14000( per year)

30yrs of payment=420000(assumption)
Total Mortgage=620000
Payback period(30 yrs)=360months(assumption)
Monthly Payment=1722.22222per month

Maitainence Fee(for apartment or condo only)=0.15per sqf(assumption)

Dimension of yr house=1000sqf(assumption)
Maintainene Fee=150per month

Total Payment per month=1872.22222per month

It shows that the cost for buying a house is close with renting a house.So now you can decide whether you will buy or rent the house.

The housing prices is booming is also due to the situation which is shown above.The cost of buying a house is close with renting a house.

Expect Property Prices to Climb

Cement prices have gone up.Amount of increase varies in the four regions-North,South,East and Central.Ceiling price for central and south region increase around 13% a tonne.While in the North,the price increase about 10%.The highest price increase at eastern region which is around 18%.

So ceiling prices goes up.Does this mean the propertyprice will increase?
According the Real Estate and Housing Developers'Association (Redha) president Ng Seing Liong investors can expect purchases to be more costly in six months or so,adding that the higher cost of construction will eventually be passed on to property buyers except in areas where there is an oversupply.

Predicted property prices increase in the range between 2-3% which is proportional with the rise in cost of construction.

In UK,price increase by nearly 10% over the last 12 months of 2006.Continued demand from existing households combined with a lack of housing for sale could result in further upward pressure on house prices in the early part of 2007. In the absence of any external shocks to knock market sentiment, the demand for housing in 2007 will continue to be influenced by short term expectations over interest rates and the prospects for future house price growth.

Friday again!

Employee are always happy when the weeks come to friday.Because they will have two days rest!This is the feeling of employee!haha...every employee will have the same thinking and i am going to free from this type of feeling soon!Started to feel addicted to internet.After attend the workshop discover alot of thing where we can do in internet.A lot lot of $ we earn from internet too.Now one of my friend already starting to have stable income from internet marketing.Wish him luck always.He will success!

Today working,whole day looking at the drawing!Wah..its dam bored!Have to read through all the description before i write any comments about the drawing.Wah....dam dam bored lah but what to do! I am pay to do so!My boss in at 930 and back around 3pm.Haha...boss usually can be like that lah.But my boss also never think of leaving his job and find his freedom.Because during our annual meeting,he told us that job are secure.If the company at Malaysia is closing up we are alwasy welcome to UK or Norway to work.Haha...i dowan work for so long in this company even though the company is good no office politics,relaxing no stress and my boss wont simply scold people.Everything is good here.But i dont want to work for my whole life.I want financial and time freedom.So i can do my own thing.

So employee wake up!Its time to let go of what you are doing now and explore new thing in life that you can achieve!Chating with one of my close friend who is now study for pilot at SIA.Lastime during university time he hardly study and always PONTENG!Now he had to study very hard because to pass the pilot exam its not so easy!Somemore you really had to be very hardworking to study what it is in the course because what you do later on related with human life if not you will be responsible of it.Now i start wondering why lastime during high school period everybody want to become doctor,lawyer...because our thinking at that moment is only through education we change the status of our life!Lastime i also want to become doctor but my result not so good so end up become engineer!but i feel satisfy because if i become doctor i really dont think i had time for an exposure for all this that i discover recently.

Brainstorming of what to do with my website!

Today chating with my mentor Dechen Lau,he is really a great mentor.He is really kind and when you talk with him you wont feel any gap and his is like your close friend even though know him not very long time ago.So this is where i learn my internet marketing from him.

He brainstorming me today.Asking me where i like.Discover 1 thing,you had to be very specific on what you want.Be specific will make you know the way you want to go.Like he ask me,what i like,i say i got no passion but i think i love flowers.So he ask what flower do you like,haha...so specific right.Girls alwasy love rose,but i love daisy.White daisy.Why i love it.I also dunno.I love it because i like the physical appereance.haha...

Now i am going to bed and read First 1000.haha.and discover the secret inside the books and share it out later on.

Good nite.

1working day of 2007

Today is 03/01/2007 first working day of 2007.Haha..feel so tire n lazy to work due to long holiday break.But what to do still had to work.So just work lah no choice.

Although already 2007 but i still dont have 2007 calender hmm..i guess economic is down so less people produce calender.Asking my mom to post down a desk calender for me from kelantan since my sister is coming down kl this weekend.Haha..this weekend might be busy because my sister is coming down for chinese new year shopping.She is shopholic.My god!She can walk the whole Sg Wang for the wholeday non stop.I really cant stand her.But what to do i had to accompany her also.Thinking of accompany her half day only because she got her bf to accompany.Her bf graduating from her class can accompany her shop whole day also.Can imagine a guys shopping for the whole day with her gf.Dont think other guys can do it.My bf wont do so.

Plan to treat her crab at The Pond pj hehe..butter crab its very nice.Think of the crab feel very hungry.

Going out with old friend jusnow.Go out as usually bullshit for few hours talking nonsense.Then will come out with alot of busines idea where we will say say only but didnt take any action.Haha..if my sifu know he will scold me lah.For thing to change you must change.So hai...me and my friend almost 25 n 26 already but still doing nothing!When are we going to change!We talk about our old friend who already pass away last year May 2006.A lot of thing make us remeber about him.He a very chicky guy.who like to cheat us.Even before he dead,we though the rumors that he got last stage prostate cancer is just a joke.Until last 5 days before he dead we confirm the news.He is one of our very good friend at secondary school.We used to hang out and tuition together.He...always make us laugh and without him our story wont be so interesting.He is an adopted son ,his parents had the only son.When he passed away his father aged 70 something so old.Can u imagine an old guy full of gray hair sending his son to the way of heaven.What a pity!No matter how i really wish his can rest in peace.Will always remeber you ,friend.

Welcome 2007

First day of 2007,feeling fresh and know that its a good start.I can feel that 2007 is my good start.Today addicted to adobe photoshop which learn how to put in different layer and edit it.Add in some shape and stroke in the picture.Its really fun and exciting!

2007,didnt go celebrate for any countdown or celebration.Stay at home but can heard the fireworks sound from one utama and the curve area.People are celebrating it!Anyway,welcome 2007 and its a good year start for me.

Plan to put in more effort in 2007 for internet marketing.Today manage to update my website and edited it but haven manage to publish yet.So plan to publish it by tomorrow.