Saturday, May 21, 2011

My bridgestone tyres finally gone

My year 2006 Bridgestone tires finally burst yesterday. Whether it F1 brand or non F1 brand, it will still worn out after 5 years. The thread still looks good but somehow it just burst, so i had to change both tires. Maybe it is due to my aggressive driving. Or it could be the pressure from hitting the bumper, again and again as is just to much even for Bridgestone tires to bear. Everytime i go out from my housing areas, I will have to cross a total of more than 6 speed humps. 

Actually i have been thinking of changing it since last year, once it reach its age of 5.. But I was hoping that it will last me until Kia Optima 2011 comes out sometime in August. Now i am in no hurry to change my car liao. Bad decisons Kia, for delaying the car launch in Malaysia for watever reasons. U just lost a customer this year. It seems like Kia Optima is taking forever to arrive in our shores.

Speaking of delay, my ipad 2 is still in Subang Airport waiting for our customs clearance since Tuesday. It suppose to arrive on Thursday as Tuesday is Public holiday for Wesak Day. It has been 4 days passed. Calling to DHL to complain does not help becoz it is not within their power to do anything. And they said it is normal to take up a week for customs to clear. WTF?

The cost
So, the total damage of a new set of GoodYear Dura Plus 185x60x14 = RM 358. Which comes out to RM 179/tube.

Ask the pharmacist
1)I felt i had overpaid for this new set of tires, but when your tires punctures, the only choice is the nearest tires shop right? Checking on paultan website confirm my suspicions. It only cost RM 168/tube and it is RSP. I was overcharge by RM 11/tube.

2)Change your tires after 5 years, if u waited for it to fail, either u will get slashed by the tires shop or could end up in accident. Life is too valuable. I had my lessons.

Saturday, May 14, 2011

Why recession is better than recovery?

Recession... I am not sure about others, but for a middle income person like me, it is definitely better. The bank BLR had increased from 5.55% to 6.6% now, since i last bought my first house. Our government is good enough to instruct the bank not to increase any monthly payment so that we don't feel any pinch. But beocz of this, my 30 years loan will become 41 year loan. Good right? Vote for BN!!! Mana mau cari?

For eg.
If u had 400k loan, this increase will have the same effect of being punched right on the face and there is nothing u can do about it. How about i make a lump sum payment to offset the interest charge? Forget about it becoz u need to stick for the payment at least for the first 5 years into your loan. This small 1.05% different will eat up to RM 4200/year. Or 2.5x Ipad 2 /year. This will translate to extra RM 12/ day interest for the bank. Or a full single person KFC meal/day. Arrgh...

Even for the My First House scheme, i think those earning 3k will have trouble to pay for it., esp graduates working in urban areas.

Loan= 220k
Interest= BLR-2%=4.6%
Years= 30 years. 
Monthly payment= RM 1127.81
Interest for 1st month= RM 843.33
Principa1 for 1st month= RM 284.48

If a graduate earning RM3000, expenses/month =
House= RM 1127.81
EPF= RM 330
Socso= RM 14.75
Income tax= RM 57.10
Proton Saga FL 5 years loan = RM 763
Petrol=RM 200
TNB= RM 50
Water= RM 5
Phone= RM 30
Credit card RM 50 annual fees= RM 4.20
Balance to take home= RM 420.34 or RM14/day.
Is RM 420 /month enough for food, clothes, shopping, toll, parking fees, car service in kl meh? Ipad 2, forget about it.

What to do?

Ask the pharmacist
1) Go sell roti canai.
2) Go back parent's home to eat. 
3) Go windows shopping after work to save electricity. Use shopping complex toilet to save water. 
3) Go find part time.
4) Go find a rich GF.
5) Seduce your boss if she is single and then ask for increment.
5) Rent out your house rooms. 
6) Blog to earn money.
7) Pray for recession to come back. 

Leave some comments if u have other ways to earn money.