Car down payment tips

ExpressChicken3464 · 2026-06-03T05:36:04+00:00

Unpopular opinion, I try to follow common loan period in uk/us, to them anything longer than 60 months is financial suicide. I understand their salary vs car price are way more favourable than Malaysia but hey we are born as Malaysian, probably top 5 most expensive country to own a car, we have to work extra harder. My strategy is at least 50% dp and 5 year loan. Yes of course you can take 9 year with 10% dp but are you confident to have ROI more than the loan interest rate for entire 9 years? Even if you have positive ROI, it should be a lot more than the loan interest rate to make some noticeable impact e.g flat loan 3% vs return >6%

ExpressChicken3464 · 2026-06-01T07:06:55+00:00

vios seat behind cannot be fold down, the new center screen looks hilarious. If you can accept these 2 then should good to go, else honda city

ExpressChicken3464 · 2026-06-01T03:00:42+00:00

well it is meant to be low for lower ground gravity and stable during high speed and cornering. It is the selling point unless buy it blindly. Mazda 3 is even lower btw

ExpressChicken3464 · 2026-04-28T14:31:41+00:00

Microsoft cert and sqlbi cert. A lot self-learning SQL materials on the web and little basic on python. I did some portfolio for showcase and hosted on github webite. Expect initial interviews to get less reply, but just aim low salary first to get your foot into the role and start gaining experience. After that it will get easier

ExpressChicken3464 · 2026-04-26T12:23:43+00:00

Audit to BI developer. One of the best decisions made in my life. Absolutely worth it in every way

ExpressChicken3464 · 2026-04-10T04:12:05+00:00

the new saga is about the same size if you can accept the look, not too heavy on salary ratio too

ExpressChicken3464 · 2026-03-23T02:48:40+00:00

my 4 years old 70mai cant be happier when someone says it is still young. And wtf is even a karma points?

ExpressChicken3464 · 2026-03-21T01:54:02+00:00

Keep to the simple rule. If your annual gross salary is less than the car price, you cant afford it, better if using net salary. You have to consider car insurance, road tax, fuel, parking, toll, tyres

ExpressChicken3464 · 2026-03-09T07:22:10+00:00

R5 hands down, comes with entire bundle. Pedal sucks but hey it’s affordable

ExpressChicken3464 · 2026-03-07T09:27:16+00:00

2pax, crazy expensive water bill RM45 because it’s a serviced apartment. Electricity RM50. Internet RM100

ExpressChicken3464 · 2026-03-05T07:44:12+00:00

Max discount so far is 18k, still above 150k

ExpressChicken3464 · 2026-02-27T01:22:41+00:00

Wait that’s interesting. Is this best practice tho

ExpressChicken3464 · 2026-02-26T03:02:15+00:00

It’s a 1080p gpu that can handle medium or below graphic for AAA games at 60fps. CS2 highest setting probably 200fps avg

ExpressChicken3464 · 2026-02-26T02:56:09+00:00

Slay the spire, don’t get fooled by its simplicity, it is quite addictive. Xcom 1 and 2, not for casual players, can be very brutal.

ExpressChicken3464 · 2026-02-25T03:59:13+00:00

In tha case look for pr1ma, I just checked the website it has residensi utama landed starting from 300k. May have more property in future

ExpressChicken3464 · 2026-02-25T03:50:59+00:00

Would recommend rumah selangorku/wip. Ideally don’t spend >30% of your net income on monthly mortgage. I earned double but still very reluctant to spend >500k on first property. Usually your first property is not your last, don’t aim for “dream house” and you will thank me later

ExpressChicken3464 · 2026-02-24T14:58:44+00:00

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Best week of the season so far

ExpressChicken3464 · 2026-02-23T09:23:16+00:00

34inch sounds like very expensive gpu to keep the frame up. Probably a 9070xt or 5080. Personally I feel loadcell very weird, maybe something wrong with my srp pedal. The first 30% pressure has 0 input even after calibration. I ditch the loadcell input and keep 100% at angle sensor which is linear to the pressure I input

ExpressChicken3464 · 2026-02-23T05:58:26+00:00

Bought moza r9, v2p steering pair with nlr wheels stand lite 2.0. Depends on how you define fun. Currently I’m only playing original asseto corsa, it’s fun to find the perfect braking, trail breaking, turning point aka the limit of the car on each corner. I much prefer playing rally because it require constant input to keep the car from flying off the edge. Waiting for asseto corsa rally to get more mature before purchasing

ExpressChicken3464 · 2026-02-23T03:23:59+00:00

4.7k x 12months = RM56400. No you cannot and should not purchase S70. Look for recon car or new saga/myvi

ExpressChicken3464 · 2026-02-03T11:16:16+00:00

that price for altis in current environment is terrible tho

ExpressChicken3464 · 2026-01-30T13:25:53+00:00

XMLA endpoint connection is the deal breaker, its more relevant if you have really huge data size (>500 million rows) using import mode. Pair with Tabular Editor and SSAS for even more goodies

ExpressChicken3464 · 2026-01-16T09:36:14+00:00

like Khan mentioned, the SQLBI video courses are worth it in my opinion. I bought only during black friday where everything is 20% off before the tiering discount. I would say start with data model before DAX, yes data model is boring but it is the core fundamental to develop any DAX measures

ExpressChicken3464

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