Oh God it's June!


My last update is on April? Lol.
To tell you the truth, I logged in here many times in last month period
but I don't know what to write
so I just passing by.

I bought 2 Dockers pants. None too shabby, I say.
It is because last time I'm in KL, wearing my old black dockers,
going there through monorail, taxi, and walk among publics to meet my forum friends,
actually my pant is torned. I am positive that are many people saw my underwear 。・゚(゚`Д)゙

My life?
Boring as usual.
I am somewhat happy, til yesterday.
I don't want to tell you guys what is happening.
Lol.

□■□■□■□■□

Based on my own observation, newbies that are into business and low on capitals let say around RM10k, always do;
- Herb / alternative medicine products
- Grocery store

Most of them always brag.
But they are just a noob, not even a threat.
Why I say so?

Products, especially
health products, do need a verification, a few testimonies, and a market.
Most of em got nothing.

Grocery stores, yes keep it up.
Not surviving to compete the

other race. Losing in pricing and the types of goods.
Furthermore, our government has launched the 1M grocery shops which is cheaper from the market price. Open up my own grocery is irrelevant, unless on some reason such as that place got no shop especially in village area, or no competitor in such a distance or else.

So, stop being typical and try to be creative.

Today is a boring day, seriously.

LOL who the hell PV-ed my ENOUGH entry? You DO like me to give up huh? Haha (′∀`)
Bro, YOLO, so I'll do it anyway! Hahaha (⌒-⌒)

Whoa I'm fishing snakehead at the lake backyard. Got 13 snakeheads. Kinda fun but I don't know why people don't really like to eat Snakehead. Me? I enjoy eating it, but please don't tell me it is snakehead or I will lose my appetite. LOL probably because snakehead kinda aggresive so my body doesn't accept it much.

*sigh
I'm boring.. probably need to find a girl fast. HO RI KI TA MA KI !!!!!! XD











and oh, should I post my twitter here? :P

Cars and motorcycles loans.

It's about purchasing a new car or a new motorcycle.
By all means, there is a way to reduce the loan interest rate if you wanted it by loan.

About the motorcycle, let say;
RM8000 for a new bike you wanted.
Of course the value will increased by 10% if you take a loan.
So, you pay an extra RM800 for that, means RM8800 overall.
Why not personal loan? 3 days approval, money directly go into your account.
Please don't use FAST LOAN scheme, the interest percents are high.
Personal loan range around 7%, means that the price will be RM560. I'd rather pay RM8560 instead of RM8800.

How about buying a car?
Depends on car.
If you want to buy a new car, better just take the bank loan (2.4% to 4%) and choose the best period that you can afford to pay monthly.

9 years loan? Not a wise desicion.
If you take RM80,000 loan for 9 years loan ,with 3.5% interest rate, you will owe the bank RM105,200.
RM974.1 monthly for 9 years (extra RM233.33 monthly due to the interest rate)

Loan X Interest Rate (%) X Loan Period (In years).

For 2 years you had to pay RM23,378.40, you still owe the bank RM81,821.60 (RM105,200 - RM23,378.40)
A 2 years car,you probably can sell off around 75% of the initial car price, which is around RM60k?
so in the end u still need RM21,281.60 to settle your 9 years car loan.

Second hand car? Same step, personal loan. Say no to credit company loans; expensive and mostly around 11%.

I have seen many of my friends buying a motorcycle using credit company loans.
Why should pay higher for that?
They also said if they're in a tough situations, they can sell their motorcycle to survive.

ORLY?
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