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Reply #58 takumi86's post
hehe.. tengkiu2.. welcome to da adult world n life... n welcome to da world of richness of mr.kumik.. hehe.. blanjer ciken cop leh??.. |
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ok jugak persona tu.. tak apa aris.. ada rezeki nnt boleh tukar keta lain pulak... |
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apalah sangat kereta? sbb kereta susut nilai..kalau setakat guna sorang @ 2 org bujang blum kawin x berbaloi beli keta mahal..$$ akan habis begitu shj byar keta..
jgn terlalu taksub nak keta mahal..hang kena agihkan/rancang harta $$ hang..
kalau aku gaji 1800-epf socso=1600
ke mana rm 1600 itu diagihkan? kalau aku jadi hang:-
adakah dah bayar hutang PTPN?
adakah ada dah perlindungan takaful?perlindungan pendapatan/tabungan persaraan?
utk apa beli keta mahal, nanti insuran pun mahal, mereka yg gaji 1000 pun kata cukup agihannya berbanding gaji 5000 yg tetap kata x cukup2
mkn 150
pnjaman pelajaran 150
ibubapa 150
emergency kos+intertaiment+shopping +stanby brg rosak 150
telepon 50
takaful life 100
saving asb 100
saving utk kawen@pegi haji@rumah@dll 200
baget minyak 100
standby insuran+roadtax birthday thn depan 100
baki adalah budget keta beli keta byr monthly 300-350, tambah downpayment lg bagus x sakit byr bulan2, menyimpan lebih baik dr berhutang |
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Originally posted by ninja boy at 8-10-2007 06:16 PM 
apalah sangat kereta? sbb kereta susut nilai..kalau setakat guna sorang @ 2 org bujang blum kawin x berbaloi beli keta mahal..$$ akan habis begitu shj byar keta..
jgn terlalu taksub nak keta mah ...
tq abg ninja....
inilah yang patut kena pikir....
kalau aku pun....mmg aku tak cari keta dulu...
mmg aku sebat rumah dulu....dah ade rumah sendiri baru lah tenteram skit..... |
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Originally posted by xaliey at 8-10-2007 12:10 PM
hehe.. tengkiu2.. welcome to da adult world n life... n welcome to da world of richness of mr.kumik.. hehe.. blanjer ciken cop leh??..
mehh laa aku banjer cikencop esok dgn ofis mate bernama ah keong dan fernando燽orneoo.. |
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Originally posted by aristotle85 at 5-10-2007 02:04 PM 
nak tanye sket...aku nieh fresh grad n baru keje ....x smpai sbln pun actually...heheh...baru sminggu...aku desperately nak kene ade kete sb tmpat keje aku (tmn tun) susah nk dpt public transport ...
Alaa baik ko simpan jk duit ko buat modal beli keta baru... buat sementara pinjam laa dulu motosikal abang ipar ko ker...atau naik beskal ke.. |
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oblauto This user has been deleted
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perlu bantuan ???
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Perlu bantuan ??? aku boleh bantu kalo ko sudi.... |
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Reply #59 dugongCute's post
die kate sblan...tp tnye sorang cine kat satu showrum nieh die kate 2-3 bln...x tau la..arap2 salesgirl yg kate sbln tuh betul la pe yg die ckp  |
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Reply #63 ninja boy's post
aku x de utang ngan sape2...ptptn x amik sb aku dlu dpt biasiswa telekom...alhamdulillah x dek utang pengajian la tp terikat la ngan telekom
nak kirekan aku x mau gak beli kete nieh tp kalo kt ttdi x dek transpot, sakit la nak gi mane2....moto plak kalo la aku reti bwk moto, mmg aku dh bwk dh moto |
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Reply #65 takumi86's post
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hehe.. bole gak tue.. nnt set time k??.. |
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biar laa.. kan die dah wat keputusan die tok beli keta.. jgn laa dok bash die jer.. sian aku tgk.. patut kita support laa die kan.. bg laa cara2 camne nnt nk maintain kete ker.. biar die wat pilihan die sendiri.. die dah ckup matang kan??.. kt just bg cadangan jer.. ok??
just my 2cent!! |
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Originally posted by aristotle85 at 6-10-2007 03:51 PM
takdek la...kat telekom taman tun tuh...kat ibusawat die tuh....situ pun ade bas tp sakit la gak...lgpun keje aku mybe kene gi kelana jaya miting....
ngehngehngeh...org ITSSO ker? sorry..off topic...
fyi, if ko org TM ada loan utk staff TM, 4% baki berkurang...tak silap aku, lebih kurang sama dgn 3.2% baki tetap...so pandangan peribadi aku, untung kalau ko amik loan nie beli persona, sebab persona almost 4% interest.tapi kene permanent TM setaun,baru layak apply loan nie..hehe... |
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Reply #73 tuah_r's post
3.2% atau 2.1%? Kalau tak silap aku 2.1% la... tapi prosesnya lambat la... member aku penah buat, agak leceh sket... wah ramai betul geng TM kat sini... hehehe...
anyway, aristotle, apsal gaji fresh grad kat TM RM1800, bukan RM2157 ker? |
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Reply #73 tuah_r's post
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aiyak...ko org tm gak ke...aa...itsso ....mule2 tuh mmg nk amik loan tm tuh tp nk tggu 6 bln, masak la...aku skang probation lagik....bln 4 taun dpan baru permantent...nk gi ttdi naik public transpot sakit la gak...umah 1/2 jam leh smpai...naik public transpot leh jadik 2 jam.... |
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Reply #74 dugongCute's post
skang probation...1800...bln 4 taun dpn baru 2157...ptutnyer tm kasik loan kete awal2 nieh  ...aku igt kalo tm amik loan umah jek la kot...tuh pun kalo dh stabil gaji smue...org kate tm amik loan umah untung...tul ke? :cf: |
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Reply #74 dugongCute's post
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skang nieh probation...1800 lagik...bln 4 taun dpn baru 2157...ptutnyer tm bagik car loan mule2 nak keje nieh ...aku igt nk amik tm loan umah tuh jek la kot...tuh pun kalo kwangan aku dh stabil...anyway, org kate tm loan pnye umah untung...tul ke? heheh...off topic sket |
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Reply #79 ryo_takahashi1's post
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huhu.. tu laa tahap2 kekayaan si kumik... |
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Post time 8-10-2007 12:10 PM
Author
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