getting a car loan

you are a women? you are working? you dont have enough money to buy a car cash? but u need a car?
there you go, u just need to make a loan with bank, which means, the bank buy a car for you, then u pay them back. its just a fast way to get a car. No matter what, its always better to pay cash, alright!

counting the bank loan with the interests was a bit tricky, so, u need to know it so that nobody can tipu you.

1stly, u need to know that any loan with banks, come with interests/rate. If its an islamic bank, they also have it but its in an silamic way, where they estimate the car's price in 9 years(or 5 or 7) time, and let you pay with the price they estimated. so it will be more expensive, same with other banks which uses interests.(but islamic way = halal, no riba, no dosa)

The more years for loan u take, the higher the interest, and less amount of monthly payment u need to pay. of course, the less year the better. (fikir jauh ok)

EXAMPLE

question :

(ini semua adalah variables atau anu - yg boleh berubah2)
a viva costs RM40 500
downpayment : 21%
in 9 years time
RM2500 discount

how much should we pay monthly?

answer :

21% downpayment = RM6005.
21% x 40 500 = 8505
8505 - 2500 discount = 6005

so, we will be taking RM31 995 loan from bank.
40 500 - 8505(downpayment) = 31 995

9 years time loan will take 3.75% ineterest yearly
so, there will be RM1199.8 interest per year
and RM10 798 total out 9 years
31 995 x 3.75% = 1199.8
1199.8 x 9 = 10 798

the end car price estimated by bank, or the car price sold by bank is RM 42 793.
10 798 + 31 995 = 42 793

monthly payment will be RM396.23
42 797 divide by 9 years divide by 12 month = 396.23

Ok mari buat latihan lagi!

soalan :

persona : RM59 699
downpayment : 15%
in 5 years time (now, its 3.85% even for 5 years)

a closer look to cars

i received my letter about posting yesterday. and gotta start refreshing and learning everything, living on my own (again) but in my own country.

The whole holiday i've been through, was60% about cars. so, talking about living on my own, u gotta have transport. public? maybe, but that will take time. so......u need to drive. u dont just drive hokkay, u need to learn about cars. for me, driving is like handling a big machine, named 'car'. u gotta learn about the machine before handling it right? so, the first lesson today :

5 THINGS TO CHECK

1-air - ada 2 tempat, satu botol besar satu lagi ade macam penutup kecik je dekat tengah2. untuk kereta wira, botol air besar kat kiri, kale putih. ada paip kecik sambung ke satu lagi bahagian air yang kt tengah tu. pastikan paip xtersumbat so air akan ada kt dua2 tempat tu.

2- minyak brek. tangki kecik dia tu ada dekat ngan cermin hadapan kereta.dekat penutup dia ada benda besi kat bahagian dalam, so kalau minyak kena dekat penutup tu, means cukupla minyak dia. jangan terlebih n terkurang.

3- minyak enjin/minyak hitam/minyak pelincir
kalau nak beli, beli yg dia tulis 20/50 . hafal je la. tangki minyak enjin besar ada kt tgh2. penutup pon besar. tempat cek minyak die ke kanan sket. ada macam besi kecik panjang. tarik, lap then masuk balik. tgk sama ada minyak melekat di bahagian min, tgh2 or max. pandai2la..

4- minyak stereng.
ada tombol putih kt bawah sket, bhgian kanan..sama gak, tarik, lap, masuk balik then cek.

5- ada lagi satu tangki tapi aku xingat. nanti nk bukak balik keta.

oh ya, belah kanan punya sesungut kt dlm keta tu utk lampu, kiri utk wiper...haha, jarang sgt gune, tkut lupe.

ANGIN TAYAR KERETA

for wira : 220!!

rempiiiiiit raya 2010 at KL

Whew, sape tak tau, pusat merempit di Malaysia ialah KL. Buruk nama muslimah aku. huu..

Papepun, semalam aku n my parents g hantar adik PMR ke asrama. (Aku dah betul-betul jauh dari zaman itu, tapi kalau aku kat tempat dia, memang feeling sikit, lebih2 lagi di sekolah di daerah jawa itu.) Then kitorang 'merempit' ke KL. (merempit = menyesatkan diri, haha). Jam dah pukul 6. Kitorang aim Kamdar. Silap2 jalan, akhirnya sampai. Sebabnya x pernah g KL gune jalan dr asrama itu.

Hari dah agak gelap, tapi sebab ada big boss(daddy), xde apa perlu dirisaukan. Itu yang best bila kuar ngan big boss.
Bilamana kita xde keje,no income, then ada secupak duet yang agak mencukupi dalam dompet, keluar ke kedai adalah suatu bencana...TERbeli sepasang kain LAGI. berapa banyaklah kain aku nak beli dalam cuti 2bulan ni..TAKPE, baju kita leh pakai, tak membazir. sokong hati aku yang sebelah lagi. well, aku dah pun beli.

Aku bukan nak crite pasal mende merepek kt atas ni, act kitorang habis membeli dalam kul 7 jugakla. Keluar kamdar, nak lintas jalan tu memang ngeri sikit. jalan kecik, orang ramai, tapi kereta+motor rempit lajjuuuu. Hatta bas gedabak pon boleh rempit, masyaAllah. Bila azan maghrib je, kupu-kupu malam sume kluar. Motor2 pada waktu2 maghrib ke atas dah xleh percaya sgt. Ini mesti mat rempit. Lalu depan jalan yg tngah traffic light merah, penuh dari hujung ke hujung jalan yg 3 line, dengan motor. adela dalam 5-6 lapis. BAYANGKAN. Aku teringin plak nak tengok aksi2 macam dalam crite2 yg gune perkataan KL kat depan tu. Pasal aku selalu g tempat tu, tp x pernah nampak aksi mereka. Yela, aku g kul 10pagi, adekah mat rempit bangun kul 10 pagi dan terus merempit?

Bagi aku, hidup tanpa mengikut agama, hancur. Bila maghrib tiba, terus keluar untuk merempit. Bawa motor laju-laju, bercampur gaul l-p, buka aurat, kalau eksiden mati, kudung, koma. best ke?
Kalau at least kita percaya pada agama sendiri, kita percaya yang ada hadis mengatakan ruh orang mati merayau-rayau pada waktu maghrib, syaitan suka berterbangan pada peralihan waktu siang-malam (maghrib) kita takkan terasa nak kluar pada waktu tu. Bila kita PERCAYA, atau dengan kata lain seperti digunakan dalam agama yang kita anuti ini, IMAN. beriman. Beriman dengan hadis nabi, susah sangatkah membuat sesuatu yang berfaedah?
Seperti kebiasaan orang beriman, bila azan maghrib, bergegas ke masjid untuk solat berjamaah, tapi mereka bergegas ke dataran merdeka untuk merempit secara berjamaah.
sangat contra.
Usaha aku? belum lagi.

Raya aku? alhamdulillah.

thats all for now.

graduation with a bachelor in fasting

tomorrow i'll be attending a convocation day with a degree in 'fasting' from Ramadhan University of Earth.
Believe it or not, its the 23rd time i'm taking this degree, should be taking phD next time. =D
cgpa? i'll keep it for myself, coz only He and me, know what i did this ramadhan.

adakah sebulan ramadhan cukup mengajar aku supaya bersabar, mendidik aku supaya menundukkan nafsu, berakhlak baik,menggandakan ibadat? aku?buat?apa?

ringkasnya, sebenarnya, cuti ni aku menghabiskan masa dengan aktiviti family, coz i'm in a holiday mode. i kept myself mute and immobile coz in a city like KL, u move a milimeter, u'll spend a penny. i gotta keep my savings untouched for certain reason u dont wanna know. life's long, u gotta prepare for 10 years ahead.money is mobile, u gotta learn how to save it. KL's expensive, u'll need to spend carefully. cars need everything, think and save a lot of money before buying a car.
i still can tolerate the immobile period of mine, but it do have limits.

so long.

salam eidulfitr.

3eid sa3eid (urduniy said it like this)

1001 things to do during holiday

tido












get up,open your eyes,u're ruining yourself!

yet nothing happened.