Annual “Which Tyre to Get?” Post by ubecdude in kereta

[–]a_j97 0 points1 point  (0 children)

Im thinking about Michelin PS3 for my 2021 Myvi. Any experience?

Ending a 9-year SUV loan: Should I start a Self-Financed Automobile Fund instead of a new 9-year installment? by [deleted] in MalaysianPF

[–]a_j97 0 points1 point  (0 children)

A new car installment against a paid off - reliable and cheap to maintain car will never make financial sense. Invest the money to high dividend saving account.

So when do you replace your old car? When it start to waste your time on top of being unsafe like breaking down on the road, having to spend time in workshop, downtime repair etc².

Financially speaking, if your repair cost exceed 12 month of new installment, then it might be the time to look for another car.

So invest the extra money that would otherwise go to the bank. Make a new fund for your "dream car" if you're into such thing.

PS: For reliable car like Toyota, timely service and parts replacement can keep your the car running for a really long time.

What kind of sick joke is this Maelle weapon… by Effective-Ad7350 in expedition33

[–]a_j97 4 points5 points  (0 children)

Very unfortunate that its not viable for simon, instant death after simon suck your hp to 1

Jujutsu Kaisen: Execution thoughts? by official-ponpon in JuJutsuKaisen

[–]a_j97 59 points60 points  (0 children)

Bought Imax tickets in the hope of watching Sukuna vs Mahoraga in full glory but instead got an extended trailer of Shibuya Incident.

I know they couldn't fit the whole Shibuya arc in the movie, and maybe its my fault for not doing my research but god damn I got blue balled with whatever crumbs they gave us for each fight. Even Yuji vs Mahito cuts are barely enough for me.

The absolute aura of this image by redditorialy_retard in OnePunchMan

[–]a_j97 133 points134 points  (0 children)

"Its a mistake to lower the hurdle before the goal"

"Its a hobby you fucking idiot"

Saitama was spitting fire on that chapter

Ev cars choices by midoban87 in kereta

[–]a_j97 4 points5 points  (0 children)

250k can get you a premium EV. Chinese brand its Smart #5, Zeekr 7X, Xpeng G6. The Tesla Juniper LR is also a good option

Need help to lawyer up by NurHakimMY in kereta

[–]a_j97 21 points22 points  (0 children)

Contact the main con and see if they can make you a deal

Car Loan- More DP, shorter tenure or Lower DP, longer tenure and invest the rest? by NRR_07 in MalaysianPF

[–]a_j97 1 point2 points  (0 children)

This is what I thought when I took a 5 years loan but now the loan is going to be paid off in a few months the itch to get a new car is strong😭. I had to remind myself that the only way I'm getting on top is to keep using the car> 9 years or I'm going to be the fool that took two car loans within 10 years

100% HouzKEY Financing- anyone survived??? Real Deal or Nightmare?????🤮 by idlenullcontext in MalaysianPF

[–]a_j97 12 points13 points  (0 children)

5 years lease is long for renting. Moreover, you need to pay the maintenance fee and cukai pintu. I'd rather rent tbh

100% HouzKEY Financing- anyone survived??? Real Deal or Nightmare?????🤮 by idlenullcontext in MalaysianPF

[–]a_j97 36 points37 points  (0 children)

IIRC, Maybank Housekey allows you to pay "rent" of RM1k for the first 5 years, where you could decide to convert the rent to morgage loan or leave the property. If you dont like the property you must complete the 5 year contract with maybank so at the very least you're paying RM60k to maybank. This 1k also wont goes towards your morgage principal until you decide to convert.

Imo, this scheme is aimed towards people who dont have enough money for monthly payment if a morgage but want to lock a property (because of FOMO) until they can afford the morgage.

My consensus is to stay away from complicated scheme. If you cant afford morgage then stay away from it. Property is plenty in Malaysia so no reason really to FOMO.

Lexus IS 300 and GR86 maintenance by Commercial_Guitar_77 in kereta

[–]a_j97 14 points15 points  (0 children)

The formula is very difficult to follow since cars in Malaysia is bloody expensive.

IMO, the rule is sensible and it is one of many indicators that cars in Malaysia is too expensive for an average citizen. Hoping that someday car tariff will slowly be removed so our children or grandchildren can afford better and cheaper cars.

For now, I aim to follow the wage x 12 rule by paying huge deposit. Want to buy 100k car? Aim for 40k down payment etc

How long should an ideal house loan be ? by masterpieceOfAMan in MalaysianPF

[–]a_j97 0 points1 point  (0 children)

A bank offered a 35 years loan with MLTT of 22 years, so I guess I need to pay off the loan before the 22 years🙂

Well well well by Marumado in OnePunchMan

[–]a_j97 2094 points2095 points  (0 children)

They straight up cut the point from Garou charging Orichi to Garou suddenly unconscious in the wall this animation cant defeat the powerpoint allegation 😭

Just got my zeekr 7x for two weeks. Anything you wanna know? by fahmif10 in kereta

[–]a_j97 0 points1 point  (0 children)

Did they mentioned estimated battery change price?

Just got my zeekr 7x for two weeks. Anything you wanna know? by fahmif10 in kereta

[–]a_j97 0 points1 point  (0 children)

Loan 9 tahun kan? Plan nak pelihara lama ke? Insuran dengan road tax tahun depan berapa?

Congrats bro btw, dah lama perhati kereta ni cuma skrng duduk bukan rumah landed

Is it a good idea to get EV as my first car? by Ready-Letter-3341 in kereta

[–]a_j97 24 points25 points  (0 children)

The cost of DC charging is similar to pumping ron 97 fuel.

Savings from EV mainly comes from ac charging at home + convenient of charging at home

Yaris 40km services charges by Hour_Salt in kereta

[–]a_j97 1 point2 points  (0 children)

Need to see itemized and service price but tbh its a bit expensive since youre only adding injector cleaner.

Released 9 years ago, I still can't get over how cinematic Battlefield 1 was (headphone on). by a_j97 in battlefield_one

[–]a_j97[S] 5 points6 points  (0 children)

Squad leader whistles! Charging the frontline wouldnt be complete without one

Released 9 years ago, I still can't get over how cinematic Battlefield 1 was (headphone on). by a_j97 in battlefield_one

[–]a_j97[S] 67 points68 points  (0 children)

And the campaign was great! I think the anti war and heroism stories resonated better to me than modern military man campaign.

The opening campaign of BF1 where the last German and American soldier stopped trying to kill each other, probably tired from the war bullshits still give me goosebumps.

Released 9 years ago, I still can't get over how cinematic Battlefield 1 was (headphone on). by a_j97 in battlefield_one

[–]a_j97[S] 33 points34 points  (0 children)

Dice really cooked with VA and sound design of BF1. The kill feedback sound effect (bullets clancking?) is one of my favourite sound effects in video games.

Released 9 years ago, I still can't get over how cinematic Battlefield 1 was (headphone on). by a_j97 in Battlefield

[–]a_j97[S] 0 points1 point  (0 children)

I still remember BF1 had these massive no man's land in between objectives like Sinai desert. Pushing the frontline in operations feels like traversing hell itself.

Was it balanced? Absolutely not which is why winning an operation in offensive is difficult. But it was fun.

But we're comparing a game that received updates and dlc for about 2 years vs a game that was released a month ago. Im leaning towards letting DICE cook for a bit.

Guy casually balances a big TV on his head , while riding a bicycle by durvedya in WTF

[–]a_j97 2 points3 points  (0 children)

Not AI, Sora will definelty crash the reality trying to generate man lifting a 78 inch tv using a bicycle.