di awal pagi
Never underestimate people who ride bike to work or goreng pisang sellers.
Out of a bunch of people who prefer to live and breath through their herd mentality (bragging their brand new luxurious purchase of cars immediately when the loan is approved), I can tahan riding my current overhauled small cc bike at 80km perhour to work at the moment. It is a small sacrifice and some discipline.
I know la, when I come to work smelling minyak 2T (not from my bike of course!) dont perli-perli me lar my friends a.k.a my colleagues.
This morning, a staff made a bad mistake by asking me,
"Aik Mana kereta baru cik Jazmin? Lama kami tunggu nak naik ni!" si J17 ni memang nak kena.
Aku walau blur di awal pagi, masih ada peluang bagi sedikit penjelasan.
"Korang tau tak, cek pinjaman kereta itu saya parking di dalam ASB campur duit insurance dan road tax. Awal bulan depan saya dah dapat lebey kurang dividen sebulan dalam RM400"
"OK...."
"Masuk bulan Januari ni, dealer saya kata bolehlah register kereta, so value kereta saya taderla drop teruk sebab register dlm tahun 2009 kan?"
"Lepas tu saya boleh plak dapat rebate fuel RM625 lagi kan?"
"so buat apa pakai duit sendiri bayar insurance, sebab dividen ASB dan rebate itu telah membantu saya."
Hah, amik ko. Banyak lagi tanya. Korang dapat bonus bayar hutang. Aku boleh lagi nak shopping shopping.
I think these people should use their brain before jumping into any nonsense question.
While you poor people (a.k.a my office colleagues) sadly part with your hard earned gaji to pay your MARA or PTPTN Loans, I made JPA to pay my JPA study loan. The high amount of EPF contribution from the Employer aka JPA itself help me to do this. I made application to withdraw my Account II for this purpose plus with the money contributed by my ex-ex companies.
So, I actually like getting a full scholarship, right?
Out of a bunch of people who prefer to live and breath through their herd mentality (bragging their brand new luxurious purchase of cars immediately when the loan is approved), I can tahan riding my current overhauled small cc bike at 80km perhour to work at the moment. It is a small sacrifice and some discipline.
I know la, when I come to work smelling minyak 2T (not from my bike of course!) dont perli-perli me lar my friends a.k.a my colleagues.
This morning, a staff made a bad mistake by asking me,
"Aik Mana kereta baru cik Jazmin? Lama kami tunggu nak naik ni!" si J17 ni memang nak kena.
Aku walau blur di awal pagi, masih ada peluang bagi sedikit penjelasan.
"Korang tau tak, cek pinjaman kereta itu saya parking di dalam ASB campur duit insurance dan road tax. Awal bulan depan saya dah dapat lebey kurang dividen sebulan dalam RM400"
"OK...."
"Masuk bulan Januari ni, dealer saya kata bolehlah register kereta, so value kereta saya taderla drop teruk sebab register dlm tahun 2009 kan?"
"Lepas tu saya boleh plak dapat rebate fuel RM625 lagi kan?"
"so buat apa pakai duit sendiri bayar insurance, sebab dividen ASB dan rebate itu telah membantu saya."
Hah, amik ko. Banyak lagi tanya. Korang dapat bonus bayar hutang. Aku boleh lagi nak shopping shopping.
I think these people should use their brain before jumping into any nonsense question.
While you poor people (a.k.a my office colleagues) sadly part with your hard earned gaji to pay your MARA or PTPTN Loans, I made JPA to pay my JPA study loan. The high amount of EPF contribution from the Employer aka JPA itself help me to do this. I made application to withdraw my Account II for this purpose plus with the money contributed by my ex-ex companies.
So, I actually like getting a full scholarship, right?
aku kena dapatkan nasihat kewangan dari kau ah min, biarpun aku di mof hahahahah.
ReplyDeletealar, aku hanya memusing musing duit itu agar ia fully utilised dengan kemudahan yang ada jer.as long as tak salah di sisi undang-undangkan?
ReplyDeletetapi tu arr, itula kelebihan beli kereta di akhir tahun.
dan aku realised, geran kereta itu kita yang akan pegang bukan macam kat bank financier.
Kes dasyat, ada yang tak letak nama Kerajaan Malaysia pun sebagai pembiaya dalam geran tersebut.
Aku pun heran AG bagi cek atas nama peminjam. Camni semua orang kawtim ngan car dealers buat quotation palsu arr kan pasal nak duit cash with 4 percent flat rate interest. Macam ni Bank rakyat pun lingkup!
aku mmg serius tabik ngan kau. minda aku x tercapai tahap ni
ReplyDeleteerk. hebat gak cara buat duit tu. tp masalahnyer tak sesuai ngan kaedah kewangan islam. x ngam ho. ho ho ho!
ReplyDelete