Car & Budget 2014

Okay now first week in October means presentation for budget 2014 is just around the corner... I want to write and talk about this thing because last week my cousin go to bank to settle her stuff and that time the bank staff tell her that in budget 2014 they will announce the increasing of car down payment... The staff mention down payment for car will prop up to 20% from 10% and the period for car loan will shorting from nine (9) to seven (7) years but its not too sure yet.. Just want to sharing.. ;) So, lets think the negatives side and the positives side about this issue.  


My opinion on the bad sides of increasing the car down payment to the prospective buyers. First, we need to understand that there may be a small increase in the national economy, but there is no big improvement in the economy of the people (financial flows). The salary are still at the same level and if increase is not too much, while the cost of living in Malaysia is increasing day by day.  Secondly, when they make a loan for a car down payment they have to pay back with relatively high amount every month to the bank because of a loan period is getting shorter. Lastly is when they are burdened to pay the loan, most likely it will affect their monthly car installment and cause debts being in arrears.    

     

The price of Toyota Vios in Malaysia 2013

                                     

In positive sides are earth more green and traffic jams may be reduced because the car on the roads depleting..

                                                           

So, its mean more difficult and be a burden on prospective buyers right?... why i said like that because when it happen of course the term and condition for make a loan to buy a car getting strict and difficult.. Don"t forget banks also want to make profit and do not want to lose same goes to car company in the end who will feel burden?.. Keep asking on yourself.. Like i said before is not too sure waiting the 2014 budget presentation to know the truth but i hope its just rumors.... :) XOXO

Memories Remains In My Heart Friend

We a best friends ever. We spending are happy time, sharing the sadness and stress together through three years of our study. Its such a enjoyable memories and it will remains for the whole of my life. She funny, beautiful, nice, kindly and always be on my side and give a support when i need it but the secret is she fear of the dark and she talented in playing guitar and singing.. ;)  Lately i really miss her after a few months we apart. All the memories we create came in my mind and it give a big smile on my lips.... Internet and phone are connection between us.. I pray someday we can spend time together like before, amin... Last night she wrote something on my FB wall that make me feel want to cry when i read it :

Biler Rindu
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WhatsApp
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Facebook for Every Phone
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"Face-To-Face" entah Biler.. Isya'Allah dimurahkn rezeki kte berjumpe..amin amin amin


So, my best friend Fatin Sharmimi aka Atin aka Mimi aka Bueno Fat-yn this poem i want to dedicate special for you...

                                                 

                                                                   And this some of our memories my bff... 

-2010-

      This MAFeP 2013                               

 @Tasik DarulAman 

Lot of love.... But remember always pray and do are good thing to our self no matter what okay...XOXO...