Will RM10k A Month Salary Enough To Own A F30 328

[tIANcI]

Sad to say after reading twelve pages I am having a bad headache. Is it because I have vertigo hehe

Lamoo ... Got vertigo means I can't ask you to tag along to the clubs with college gals la. Oh well ...

 

[lamoo]

Lamoo ... Got vertigo means I can't ask you to tag along to the clubs with college gals la. Oh well ...

Brader tianci if I tag along it will definitely cure my vertigo haha

 

[tIANcI]

Brader tianci if I tag along it will definitely cure my vertigo haha

No la, I checked ... the higher heart rate is not good for you and the flashing lights and the loud music will make it MUCH worse. I handle the college girls myself la ... what to do ... sigh.

 

[_M_]

Brader tIANcI, can i tag along.. no vertigo but only hav 10k spare change each mth.. enuf or not to party with college gals?

 

[erin8817]

IMHO, my 2 cents.
10K a month salary is not sufficient if you have any of these combination (3 or more).
Assume you don't have any other passive incomes.

1) Have a family (wife + 2 or more kids)
2) 2 or more houses (still under mortage)
3) Parents/family members with some critical illness (ie diabetes, kidney etc)
4) Paying income tax (20% above)
5) Planning to send children for overseas studies
6) Personal/medical insurance coverage above 2Mil.
7) Regular bar-goer and active nightlife

A minimum financial planning is you should at least save 10-20% of your salary after you minus all your debts/expenses (including ur BMW loan).

 

[tIANcI]

Brader tIANcI, can i tag along.. no vertigo but only hav 10k spare change each mth.. enuf or not to party with college gals?

Faster ... register to go along. LOL!!! Lamoo is banned for health reasons.

 

[tIANcI]

IMHO, my 2 cents.
10K a month salary is not sufficient if you have any of these combination (3 or more).
Assume you don't have any other passive incomes.

1) Have a family (wife + 2 or more kids)
2) 2 or more houses (still under mortage)
3) Parents/family members with some critical illness (ie diabetes, kidney etc)
4) Paying income tax (20% above)
5) Planning to send children for overseas studies
6) Personal/medical insurance coverage above 2Mil.
7) Regular bar-goer and active nightlife

A minimum financial planning is you should at least save 10-20% of your salary after you minus all your debts/expenses (including ur BMW loan).

Spot on ...

 

[lamoo]

No la, I checked ... the higher heart rate is not good for you and the flashing lights and the loud music will make it MUCH worse. I handle the college girls myself la ... what to do ... sigh.

tianci I will report u to the Education Ministry if u are not taking me along. oh I forgot I will also report u to the House or Home minister also hehe

 

[hanzo7979]

IMHO, my 2 cents.
10K a month salary is not sufficient if you have any of these combination (3 or more).
Assume you don't have any other passive incomes.

1) Have a family (wife + 2 or more kids)
2) 2 or more houses (still under mortage)
3) Parents/family members with some critical illness (ie diabetes, kidney etc)
4) Paying income tax (20% above)
5) Planning to send children for overseas studies
6) Personal/medical insurance coverage above 2Mil.
7) Regular bar-goer and active nightlife

A minimum financial planning is you should at least save 10-20% of your salary after you minus all your debts/expenses (including ur BMW loan).

Very true :top:. Just get the car , latter can think about all the consequence la since you are good budget planner

 

[soma]

I have to agree with erin8817, spending 30% or your monthly income in a car loan is a bad investment, especially on a new car. With such an income and no BMW experience, better to by used, get to know the car, and then upgrade later as you save for a larger deposit. This way you can pay less to the banks.
My two cents...good luck with it.

IMHO, my 2 cents.
10K a month salary is not sufficient if you have any of these combination (3 or more).
Assume you don't have any other passive incomes.

1) Have a family (wife + 2 or more kids)
2) 2 or more houses (still under mortage)
3) Parents/family members with some critical illness (ie diabetes, kidney etc)
4) Paying income tax (20% above)
5) Planning to send children for overseas studies
6) Personal/medical insurance coverage above 2Mil.
7) Regular bar-goer and active nightlife

A minimum financial planning is you should at least save 10-20% of your salary after you minus all your debts/expenses (including ur BMW loan).

 

[tIANcI]

tianci I will report u to the Education Ministry if u are not taking me along. oh I forgot I will also report u to the House or Home minister also hehe

Show me the letter of approval from YOUR Home Minister and certificate of fitness to play with college girls from your doctor. :0)

 

[fabianyee]

Why so difficult ah?

Maintenance wise, let's just assume it's double of your existing car, if you're ok with that then no problem loh. Anyway, maintenance cost should be minimal for new cars.

Secondly, if you can stomach the depreciation associated with new cars, then lagi no problem.

 

[astroboy]

I think best ask the father, if one can't make a decision, best ask the father.. :4:

 

[Herbert]

I think best ask the father, if one can't make a decision, best ask the father.. :4:

then father will surely say, well son, go and invest in an appreciating asset so end day, no BMW.

 

[EL118]

then father will surely say, well son, go and invest in an appreciating asset so end day, no BMW.

Ask the home minister, sometimes the answer could be surprising. my neighbour condoned her hubby to buy a Ferarri because she said at least she knows where the money goes..............

 

[Herbert]

Ask the home minister, sometimes the answer could be surprising. my neighbour condoned her hubby to buy a Ferarri because she said at least she knows where the money goes..............

very wise of the wife to condone the Ferarri purchase as other "hobbies" could be even more expensive.

 

[astroboy]

90% of the people I know that drives a BMW earn less than RM10k while 90% of the people I know who earns more than RM10k doesn't drive a BMW.. :4:

 

[tIANcI]

very wise of the wife to condone the Ferarri purchase as other "hobbies" could be even more expensive.

Herb ... dolls collection from China? :0)

 

[EL118]

very wise of the wife to condone the Ferarri purchase as other "hobbies" could be even more expensive.

Ha ha, Exactly!

 

[EL118]

90% of the people I know that drives a BMW earn less than RM10k while 90% of the people I know who earns more than RM10k doesn't drive a BMW.. :4:

It sound like an old joke

Press : Hi Sir, can you share your secret to become a millionaire
Millionaire : I became a millionaire after i got married.
Press : Wow, your wife must be very wise and helpful ! what did you do before you got married.
Miilionaire : I was a billionaire!