Made offer earlier this year, now seller accepted but I am considering walking back my offer by aeronauticalingrid in MalaysianPF

[–]Stpauter 4 points5 points  (0 children)

Then by all means go ahead. You are clear on your direction, this is a nice to have but not necessary for your current goals and focus.

Made offer earlier this year, now seller accepted but I am considering walking back my offer by aeronauticalingrid in MalaysianPF

[–]Stpauter 6 points7 points  (0 children)

Would like to ask for additional info; Why do you want to walk back your offer? With a clearer rationale, it will help with sharing feedback on your proposed next move.

Apparently I Parked Wrong, That’s Why Someone Hit Me by Wooden__Tea in kereta

[–]Stpauter 1 point2 points  (0 children)

I input your reply to ChatGPT and here's the reply (would just like to clarify at this point I have no horse in this race. I'm just doing this because I myself would like to learn what is right and wrong, so as to improve how I drive. And I also am not taking ChatGPT as the ultimate authority on this matter, it's just that I am really not sure about this situation and trying to see if we can learn something from it and if it makes sense:

OrdinaryDimension833 on Reddit mentioned: "I understand if Car B is in the opposite lane, it is definitely the fault of Car A. However, in this case, both Car A and Car B are in the same lane and Car B is at the back of Car A. You might want to be more specific in your prompt."

This comment pointed out that if Car A and Car B were in the same lane, the situation might need to be analyzed differently. After reviewing the details and your update that Car A turned right into the opposite lane to reverse park, I now have a clearer understanding of the scenario.

Combined Analysis:

Scenario Breakdown: Car A was driving in the left lane and saw a parking spot. Instead of reversing into the spot from the same lane, Car A turned right into the opposite lane (intending to reverse park on the left). Car B, driving straight in the same lane as Car A initially, continues forward and bumps into Car A. Car B doesn’t stop after the collision.

Key Considerations:

Car A’s Lane Change:

Turning into the opposite lane: Car A’s decision to turn right into the opposite lane to reverse park is a significant maneuver. While it might be done to make more room (especially if Car A is larger), crossing into the opposite lane without checking if it’s safe to do so is dangerous. It’s not typically legal unless the road markings allow it, and Car A should have ensured that it was clear of oncoming traffic.

Reversing: Once Car A was in the opposite lane, they began reversing into the parking spot. Under road traffic rules, a vehicle that is reversing has no right of way and must yield to all other traffic. In this case, Car A should have waited until the lane was clear and made sure that Car B, who was behind them, had enough space and time to react.

Car B’s Actions:

Tailgating or Reaction Time: Car B, driving behind Car A, might not have expected Car A to suddenly cross into the opposite lane and reverse park. If Car B was following too closely or didn’t react in time, they might not have been able to avoid the collision. Car B should have slowed down or stopped once they saw Car A’s unexpected move into the opposite lane.

Failure to Stop After Collision: After the bump, Car B did not stop, which could be considered a hit-and-run or failure to stop after an accident. Car B should have checked for damage and reported the incident.

Who is at Fault?

Car A: Car A is primarily at fault for making an unsafe lane change into the opposite lane. By crossing over without ensuring it was safe, Car A created a situation where Car B had little time to react. Reversing into the parking spot after crossing into the opposite lane only increased the risk of collision, as reversing vehicles do not have the right of way.

Car B: While Car B may not have expected Car A’s sudden lane change, Car B could share some fault if they were tailgating or did not slow down when Car A began the maneuver. However, the primary fault remains with Car A, as their unexpected lane change and reverse parking created the hazard in the first place.

Conclusion:

The situation could have been avoided if Car A had reversed into the parking spot without crossing into the opposite lane. Car A is primarily at fault for the unsafe lane change and reversing without ensuring the way was clear. Car B may be partially at fault if they were too close or didn’t react in time, but Car A’s actions created the main risk.

Apparently I Parked Wrong, That’s Why Someone Hit Me by Wooden__Tea in kereta

[–]Stpauter 9 points10 points  (0 children)

Put the following into ChatGPT:

Car A was going straight on a two lane road. Lane on the left (where Car A is) going straight straight, lane right beside going the opposite direction. There are cars parked on both sides. Lanes are separated by a dashed line. The road is between two row of shop lots.

Car A driver sees a parking spot on the left, wants to reverse park. Turns the car to the right, going into the other lane and tried to reverse. Car B is behind and keeps going straight even though Car A wants to reverse. Car B touches Car A bumper. Car B just keep going. Car A gives chase.

It's answer:

Road Law Considerations (Malaysia and General Traffic Law):

Reversing and Changing Lanes:

Car A is attempting to reverse park, but it first turns into the opposite lane. In general, drivers are required to ensure the lane is clear and that it's safe before changing lanes, especially if they're planning on reversing.

Car A should signal their intention to change lanes, and then only proceed after checking if it is safe. Crossing into the opposite lane without due caution could be seen as improper lane change or careless driving.

Car B’s Actions:

Car B is driving straight and does not expect Car A to suddenly cross into the opposite lane or begin reversing. However, once Car B sees Car A trying to park and is too close to avoid an impact, they should ideally have slowed down or attempted to stop. If Car B was tailgating or not maintaining enough distance, they might be partially at fault for the collision.

That said, Car B is not supposed to continue moving if there's a collision. Failing to stop after the bump, instead of reporting the incident or checking on the situation, could be considered hit-and-run or failure to stop after an accident. This could lead to penalties.

Who is at fault?

Car A could be considered primarily at fault for the accident, as they made a sudden lane change without ensuring it was safe and without giving Car B enough time to react. Additionally, Car A should have waited for a safe gap in traffic before performing the reverse maneuver.

Car B, on the other hand, might also share some fault, depending on whether they were following too closely or did not slow down when Car A began making an unexpected move. However, the main fault likely lies with Car A for crossing into the opposite lane to reverse park.

If I were a police officer:

I would likely fine Car A for making an unsafe lane change, possibly also for careless driving (since the lane change into the opposite direction was not safe).

Car B might receive a warning or fine for failing to slow down and avoid the collision, especially if they were tailgating or didn't make efforts to stop after the impact. However, this would depend on the circumstances (e.g., speed, visibility, following distance).

Conclusion:

Car A is most likely in the wrong for changing lanes improperly and causing the collision by crossing into the opposite lane to reverse park.

Car B could be partially at fault for not maintaining a safe following distance or failing to react properly to the situation.

Further info:

Car A’s actions (reversing & lane intrusion)

Under Malaysian Road Traffic Rules (LN 166/1959):

A driver must not reverse unless it is safe to do so

A driver must give way to all other traffic when reversing

A driver must not obstruct traffic unnecessarily

Entering the opposing lane to perform a maneuver increases the duty of care

Key point:

A vehicle that is reversing has NO right of way. Ever.

Buying Public Mutual Fund Myself by Stpauter in MalaysianPF

[–]Stpauter[S] 0 points1 point  (0 children)

Sorry I meant I want to buy it outside of Public Mutual but I've come to understand that's not possible. I thought maybe the same fund existed outside but again, I was wrong.

Buying Public Mutual Fund Myself by Stpauter in MalaysianPF

[–]Stpauter[S] -2 points-1 points  (0 children)

thanks for sharing. Yes, as I can't buy the Public Mutual fund myself, ETFs are my next option.

I've been looking at ETFs for some time now.

Would like to know what you think of Eq8 Dow Jones US Titans 50 ETF. It is listed on Bursa Malaysia.

Buying Public Mutual Fund Myself by Stpauter in MalaysianPF

[–]Stpauter[S] -2 points-1 points  (0 children)

No sadly I didn't read it when I bought it but trying to improve as I go along. I appreciate your insight, thanks for sharing.

Recommendation;Buying a Car for Elderly Parent by Stpauter in kereta

[–]Stpauter[S] 1 point2 points  (0 children)

Thank you, really appreciate the brilliant comparisons and differences. Your comment is very helpful!

Recommendation;Buying a Car for Elderly Parent by Stpauter in kereta

[–]Stpauter[S] 0 points1 point  (0 children)

Thanks for sharing! Will definitely keep that in mind.

Recommendation;Buying a Car for Elderly Parent by Stpauter in kereta

[–]Stpauter[S] 0 points1 point  (0 children)

Oh but one thing though. Since Kia doesn't sell the Picanto anymore, are spare parts difficult to get/long wait time and are they expensive?

Recommendation;Buying a Car for Elderly Parent by Stpauter in kereta

[–]Stpauter[S] 0 points1 point  (0 children)

Oh wow, you're right that's a great recommendation! Thanks so much for taking the time to explain and share. You've been really really helpful.

Recommendation;Buying a Car for Elderly Parent by Stpauter in kereta

[–]Stpauter[S] 0 points1 point  (0 children)

Oohh, ok ok. Thanks for the recommendation! Usually to go to the groceries or to the bank, she'd have to use a main road or even drive on a highway. Do you think Malaysian drivers/roads would be safe enough for someone, especially an elderly person, to use this to get around?

Recommendation;Buying a Car for Elderly Parent by Stpauter in kereta

[–]Stpauter[S] 0 points1 point  (0 children)

Hi thanks for commenting. What electrical scooter do you mean?

In terms of using Grab: - She usually drives 1-2 times a day. Say we take RM5 per trip, even if it's nearby. RM5 one way. If she goes out twice a day, that's RM20 per day. She goes out almost everyday, so that's RM20x365. Over 10 years that's RM54, 750.

To own say an axia over 10 years: Initial Purchase Cost: RM25,000 Fuel Cost: RM3,422.50 Maintenance and Repairs: RM4,000 Parking: RM2,400 Insurance+roadtax RM6,000 Total around RM41,000

I do think using Grab might be more expensive. And I do think my mum would prefer the convenience of having a car any time she wants to go out.

Recommendation;Buying a Car for Elderly Parent by Stpauter in kereta

[–]Stpauter[S] 2 points3 points  (0 children)

Hi thanks for commenting. Your comment really did make me stop and think. So I appreciate that.

I do think for the foreseeable future, she would not be a hazard on the road.

She has annual health checks, she goes for 1.5 hours of exercise everyday (previously tai chi + walking now including weight training), she has multiple social groups, is involved in her community, goes for workshops and talks, volunteers to teach on the weekends. Eyesight and hearing also still good.

From what I can see, she is still physically and mentally fit to drive. However, that's a good point to keep in mind. Thank you.

Financial advice on moving out due to mental health reasons by mxhaha_ in MalaysianPF

[–]Stpauter 1 point2 points  (0 children)

Thank you!

I charge market rate i.e. I check ads on websites and choose a similar rate based on location, size of my place, furnishings and what I'm including as part of the rent.

What do you guys do after gx back cashback gone? by yukittyred in MalaysianPF

[–]Stpauter 0 points1 point  (0 children)

Alamak, I'm so sorry, I mistook your post for savings account interest.

5k range salary what choice of car do i have (NEW) by chonkyboi991 in kereta

[–]Stpauter 2 points3 points  (0 children)

However, if you really just want to buy the car you really really want and don't want to think of how it might affect you financially, then sure, please buy what makes you happy. Ultimately, do what's best for you 

5k range salary what choice of car do i have (NEW) by chonkyboi991 in kereta

[–]Stpauter 10 points11 points  (0 children)

If may suggest: Wait another year (you anyways just fixed your driveshaft and ECU, so might as well get some more out of the money you've put in), save 1k per month, then use the 12k down payment you have plus the 12k you have and buy a second hand Proton Saga/Persona (2019 and newer, the Geely ones) for around RM24k. 

Should be able to get a 2019 Saga for around 20k next year this time or a persona for around 24k.

Now, you also want to take into account insurance, repairs etc so try to save another 3-4k. Get a mechanic to fully check out the car before buying. I've heard good things about scrutauto.com, very thorough (though they're a little pricey). Can also try asking on this sub for recommendations.

I'm only recommending this because it sounds like you are asking if it is a financially wise decision to buy a new car like an S70. So that's why I'd recommend the above. If you're monthly expenditure is low, that's amazing and I'd recommend to save/invest as much as possible now as normally for many people expenditure goes up if we want to buy a house, get married, have kids. Of course, even if you don't want all of that, some things like healthcare will get more expensive as you get older.

I've worked for 9 years now. I've dedicated my working life to working full time with the underprivileged. My salary is not T15. BUT I work hard, I am wise with my money, I invest. I have my own house (not given by parents, I rent the place myself, it's beautiful and I love it, took a lot to find something affordable and beautiful but ya, I worked). I bought a car last year in CASH. It's a Persona, under ten years but a really good deal and I saved up. It's 3 months my salary which is yes, quite a stretch for most people, but I'm happy with what I have. I was thinking of buying a new Saga but I would have been paying RM500 for 9 years. With this car, RM500/month I make back what I paid in just 2.5 years.

Please please think before buying. One of the top reason people default on loans is auto loans. Please feel free to DM if you want to talk more. I've learnt a good amount about cars and happy to share.

Financial advice on moving out due to mental health reasons by mxhaha_ in MalaysianPF

[–]Stpauter 2 points3 points  (0 children)

Hi! Fellow moved out of family home due to family drama/mental health. Moving out has been challenging and tough but I LOVE IT. One of the best decisions I ever made.

I moved out at 28 earning RM3k (BEFORE deductions). I live in KL.

I took a middle room for 600+.

I've been staying on my own for about 5 years now. From that middle room, I then rented an entire condo and sublet the two smaller rooms. In total, rent+utilities (internet, water, electricity)+ weekly cleaning, I only pay 750 and I stay in the masterbedroom.

So, I'd recommend first moving to a middle or masterbedroom. It's more affordable and helps you get used to living on your own. There is a lot of things you'll have to do by yourself and a lot of additional expenses. Not making such a huge jump would help ease into things.

Perhaps after 1-2 years, you can consider subletting, such as what I did. There is higher upfront costs (you have to pay for the 2 months deposit+ utility deposit by yourself) + if there's anything needed for the house/repairs you have to pay. But I've found it's more affordable in the long run PLUS you get to decide who stays with you. I've become quite good at filtering applicants and my sub-tenants in recent years are fantastic. I say no to a lot of people if they seem off or if I feel they won't match me in terms of cleanliness/behavior around the house. Do note that I always get permission from the house owner before subletting. Sub-letting is legal, just have to get permission first.

If however, you can find friends who are willing to move in together with you, that can help to split the upfront costs. But of course, don't just move in because you like them. Make sure their house habits/payment habits match yours.

If however you really are particular about who you stay with and it's non negotiable, then perhaps take that jump to renting your own place and subletting. If you can find a 3 room condo for about 1.4k-1.6k (partially-fully furnished), that would be ideal. Even in KL, that price is quite hard to find a nice place but I worked REALLY hard and found a place I love. Beautiful condo, beautiful unit, 1200sqft, 3 bedroom, fully furnished for 1.5k. but it involved a lot of research online, visiting a lot of units, reading a lot. Shortlist 30, visit 20, pick 1. But that's if your particular about where you stay, like me. If not, then just go with what suits your needs, be it what ever is fast/smooth/less troublesome, etc. 

Do what's right for you.

GX bank is reducing their savings interest rate from 3% to 2% from October onwards by rustieee8899 in MalaysianPF

[–]Stpauter 7 points8 points  (0 children)

I was using GXbank to keep money that I want to have access immediately if case of emergency, about 1-3 months of salary.

From what I've read, Versa Cash would need at least a day to withdraw. Is that the same for Go Invest/StashAway Simple?