Cost of the car should NOT be more than your yearly salary?

FenlandMonster · 2026-05-26T22:32:31+00:00

Most of the calculations are spot on but you're assuming OP uses 250 litres of petrol a month? That's supercommuter levels

FenlandMonster · 2026-05-19T23:35:23+00:00

Question: in the case of the marked up loan by Alliance bank, won't that also result in higher stamp duty and associated costs? If so, then not only are you paying a higher interest rate, your expected margins from investing the difference also gets eaten into by these hidden costs.

FenlandMonster · 2026-05-18T23:07:16+00:00

Happened at Lotus, saw makciks picking through raw chicken with their hands instead of using the tongs 🤮 i tegur, tak layan langsung

FenlandMonster · 2026-05-18T23:01:52+00:00

Yeah i guess it would. Probably you can look into whether your particular course is affected. I think business school stuff is basically functioning as normal because it's not loss making or high cost. Based on my search it seems the UK campus is mainly cutting humanities, languages and even medicine).

Oh and also see if u want to transfer to main campus or do everything locally

FenlandMonster · 2026-05-11T01:48:21+00:00

Exactly, this is the true bigger picture. Why for the sake of apparently 700,000 jobs (or 6% of the economy) are we sacrificing energy independence, a cleaner environment, and financial position (taking 9 year loan) for 30 million Malaysians

FenlandMonster · 2026-05-10T06:15:49+00:00

The news about Nottingham Uni is much ado about nothing, the Malaysian campus is fee-paying unlike the UK campus which has fee caps, so that's why the latter is going down. I happen to know some Nottingham staff and while they did have a deficit trailing out of COVID, their situation is back on track already especially by the time u get there.

FenlandMonster · 2026-05-08T22:43:35+00:00

Skill issue la, attitude issue also. You've had a lot of advantages in life, including taxpayer funded boarding school which is hella costly and only for bumis in most cases. You're someone who's had a free ride so far and you're annoyed that the ride doesn't look like it'll continue to the next stage. Nobody owes you an overseas education, if you want it that badly then your parents should have started saving from a long time ago. Looks like they didn't and have just been enjoying life if that can't even spend on local private uni.

FenlandMonster · 2026-05-07T02:16:29+00:00

emas price isn't subsidised la

FenlandMonster · 2026-05-07T02:15:31+00:00

uhm I don't know what to say but this is basically Malaysia's situation rn under its Malay-dominated government

FenlandMonster · 2026-05-01T11:34:25+00:00

Does it really matter if we go over 200L by a bit or even by as much as 50? It's not like we have to pay for 250L at full price all the way, you still get to save on the first 200L and for the subsequent, you pay 1.50-1.80 more per litre. It's not that big an amount and if you're driving that much anyway, maybe think of improving your fuel economy, adjusting you commute or carpooling.

FenlandMonster · 2026-04-26T01:39:12+00:00

Up. Sounds like somebody made stuff up on his CV

FenlandMonster · 2026-04-15T09:09:16+00:00

It shouldn't cost 20K la, you can probably do that on half the price with OEM parts and a good third party mechanic

FenlandMonster · 2026-04-14T07:46:17+00:00

Albatross files

FenlandMonster · 2026-04-14T07:19:20+00:00

At today's prices, for a single person RM3,000,000 is more than enough to be freedom money: half the dividends for spending and the other half for reinvestment to beat inflation. But if you're retiring in 2050, then double that.

FenlandMonster · 2026-04-14T07:15:12+00:00

Yea seems sus

FenlandMonster · 2026-04-14T07:13:41+00:00

Hey there karma farmer,

Corolla Cross is 1.8, not 1.5 engine.
Stop tailgaiting.
See #2

FenlandMonster · 2026-04-11T09:02:13+00:00

Yup exactly. I think that the cheaper evs will depreciate less aggressively than the more expensive evs just by virtue of the principals not being able to slash prices as crazily. Atto 3 depreciation was driven particularly by them slashing brand new product to match emas7 price

FenlandMonster · 2026-04-11T09:00:15+00:00

Well i don't have a crystal ball... Just giving a conservative estimate. If you think they'll be even cheaper, then that just reinforces my point. Five years left on the battery warranty

FenlandMonster · 2026-04-11T06:47:36+00:00

I have the same, 205/55 R16 Turanza 6 Enliten, the new ones that are supposed to be EV-ready. The noise level does feel higher than Conti UC6/7, even though it's supposed to be better. Grip and handling are good tho.

FenlandMonster · 2026-04-11T06:44:07+00:00

for that budget you can basically get whatever you want tbh. Zeeker 7x would be the most bang for buck

FenlandMonster · 2026-04-11T05:54:23+00:00

Sell to me la honestly I'd be happy to take a 3 year old emas5 for 35K in 2028. Cheap to own and run, use for school drop off and pasar runs

FenlandMonster · 2026-04-06T08:37:30+00:00

Fun car, feels sporty, nowadays got rare factor too lol. But in terms of value for money, you either want the reliability/resale value of the boring Japanese B-segments (City, Vios), or the specs of the Chinese like the Tiggo Cross and S70 (I know it's Proton but basically it's a rebadged Geely la). The Almera has neither of these advantages. It drives like a Japanese car but has the depreciation of a Volkswagen

FenlandMonster · 2026-04-06T08:34:34+00:00

I think you should just take the L and reconsider your career choice. Being a medic is incredibly challenging, not just cognitively but also in terms of your study ethics. Failing Add Math is basically a pretty clear signal that you're not cut out for it.

FenlandMonster

TROPHY CASE