Three years ago... when my previous car, the Proton Waja WJA 8262 is in bad condition, I decided to buy a new car.
I don't have much experience when it comes to personal car as I was lucky because ever since I was 18, my dad bought a car and I am the main driver of the car, the Ford Telstar MR6882. Its the family car and hence I am the family driver.
So, I have been driving the Ford until it is totally in very, very bad condition that I decided to get a new car. So, that is how I bought the Proton Waja.
I have used the Proton Waja for about 5 years. The Waja started to give me trouble. So, I decided its time for me to get a new car.
Why do I decide to buy a new car? This was because through my experience with the Ford. Dad bought the Ford. We have been using it as a family car. Dad really took good care of the Ford and the Ford is always in tip top condition.
Because of its good condition, we never think of selling off the Ford. Only after using the Ford for about 12 years, the car started to give us trouble. By the time, it was already too late for us to sell off the Ford because it has no more value. So, that is how I decided to buy the Proton Waja.
The Ford is still being used till today by Leong. I decided to give it to Leong since I have the new Waja.
So... because of the bad experience with the Ford, I was thinking a car is after all a car. The value will depreciate some way some how. It is always good to have a new car not more than 5 years because usually after 5 years the car will start to give all kind of problem. That is how I decided to sell off the Waja and get a new car.
But then which car to buy?
I have made a few visits to a few car show rooms. Finally, myself and Joanne decided to buy the Naza Ria.
The reason I buy the Naza Ria is because it is a MPV which can accomodates 7 people. And best of all it has a television set which I thought will be very good for Jia Chen. So, without thinking much I bought the Naza Ria for RM109 000.
At the initial stage of using the Naza Ria, I was very happy with the condition of the Naza Ria. It is very stable and very comfortable for driving. The only slack of the car is that the car consumed quite a lot of petrol. But then I was thinking, after all I don't drive much and the price of petrol is affordable, so it is still all right.
But after 2 years of using the Naza Ria, suddenly there is this world petrol crisis. The price of the petroluem increased tremendously. So, this is when I started to regret buying this car. So, I decided to sell off this car.
When I wanted to sell off the car, I got the shocked of my life. The salesman quote me only RM60 000 for the car. This means that the car value has depreciated near to 50%. I felt very angry. I wanted to dispose of this car but I cant now because if I sell off the car at RM60 000, I will need to fork out more money to pay to the bank. This is because the car loan is more than the selling price.
So, I have no choice but to keep the Naza Ria as it is right up till today. I really regret very much for not survey much when buying the car. So here is my advice when buying a car.
First of all it is very important to buy a reliable brand and economical petrol consuming car. Just like Joanne's current car, the Toyota Vios. I felt that she made a very wise decision to buy this car because this car is very save on petrol consumtion and best of all it is from a very reliable brand Toyota.
As from what I know and heard, almost every Korean car consumes a lot of petrol. Worst still is that the Korean car has no second hand value.
Please remember that if ever consider to buy a national car, never ever buy a brand new model. I had my problem with the Waja because it is a brand new model. The Gen 2 also gave a lot of people a lot of trouble. Kim Hoe also had a lot trouble with his Perodua Viva which is a brand new model in the market. Generally, Malaysia national car new model in the market always giving the consumer a lot of troubles.
If I have the choice again to buy a car, I will buy a car which is accomodative enough and also economical in petrol consumption. So, currently best choice is to buy the Perodua Myvi.
But then, I have no choice and got stuck with the Naza Ria. I cant sell off the car as it has no market value at all. The petrol consumtion of the car is really killing. I have only regrets for I cant buy another car due to the loan as well.
So, my another advise is that when comes to buy a car, buy the one which is affordable and save in petrol consumption. Never think of big car as to show off. Never buy big cars as the depreciation value is too great. It is better to invest in buying a house rather than buying a big car.
Remember.. house is always an asset. House will never depreciate in value. So, when it comes to buy property, buy big house but buy small car.
Monday, September 22, 2008
Tuesday, September 16, 2008
The Life Partner ( Wife or Husband )
Last week, Kim Yeong ( bro-in-lw ) came back to stay with us.
I came to know that he ran away from his wife and her family. It seems that his wife and family have been pestering him to buy a new 3 storey house together with them. They wanted to have 3 names (owner) for the house, namely Kim Yeong, his brother-in-law and his sister-in-law.
Kim Yeong felt very angry and disappointed because he has been very supportive of his wife's family. Almost every expenses of the family borned by him.
But of late his wife been pestering him to purchase the new house together with her family members, this is when Kim Yeong felt the full stop for everything.
Kim Yeong was saying, even the family's car, proton saga monthly installment has to be paid by Kim Yeong. What if after purchasing the new house and he has to pay everything for the new house.
Feeling overly pressured, Kim Yeong decided to leave his wife and child behind and come back to stay with his mother.
When I came to know about Kim Yeong story, I did not pity much on him. Why? Because when he was staying with me, I have been advised him so much about family matters.
I have told him and shared with him about my previous marrage. Now, he certainly agreed with me that when a man marries, its no longer about the man and his wife but also about both family together.
Kim Yeong's situation is very much like my situation on my previous marriage.
Initially when I was with Ching ( ex-wife ), we still get along well because she agreed and understood how her parents are.
Her father thought by giving me the bakery business means that giving me the golden bowl. Almost every expenses he incurred, has to be borned by me. Even when he drove to KL or Genting Highlands, the meals, the petrol, charges for car services have to borne by me. Even his daily 3 meals eating out will be claimed.
When he has his relatives from KL visiting him in Ipoh, he will bring them out for sumtious dinner. There he will pay for everything. But upon reaching home, his hand will be taken out to get money from me.
I felt very angry with the in laws. But I still can work out the marriage is because Ching still support me and against her parents as well.
Thinking of what her parents did, I thought the best way is to bring my whole family together with me in Ipoh. So, my parents and younger brother shifted to Ipoh. But, my in laws never gave in and are always demanding.
When dad shifted in not long, dad quarrelled with Ching. I can understand this because I knew dad has bad temper just like Ching.
Ching basically cant get along with anyone with my family member as well. She even dislike my brother, Leong.
I told myself, the only person who has the best temper is mom. If mom also could not tolerate with Ching, this is the time when I should put a full stop to my marriage.
True enough, one day, mom also explode with Ching. That is the time when I know the end of my marriage.
When we look for our life partner, it is very important that we should always put into the consideration of both parties family members and relationship as well.
The way they interact, their financial status will some how affect us and we can know whats our position when we are married.
So, it is very important to choose our life partner wisely.
I came to know that he ran away from his wife and her family. It seems that his wife and family have been pestering him to buy a new 3 storey house together with them. They wanted to have 3 names (owner) for the house, namely Kim Yeong, his brother-in-law and his sister-in-law.
Kim Yeong felt very angry and disappointed because he has been very supportive of his wife's family. Almost every expenses of the family borned by him.
But of late his wife been pestering him to purchase the new house together with her family members, this is when Kim Yeong felt the full stop for everything.
Kim Yeong was saying, even the family's car, proton saga monthly installment has to be paid by Kim Yeong. What if after purchasing the new house and he has to pay everything for the new house.
Feeling overly pressured, Kim Yeong decided to leave his wife and child behind and come back to stay with his mother.
When I came to know about Kim Yeong story, I did not pity much on him. Why? Because when he was staying with me, I have been advised him so much about family matters.
I have told him and shared with him about my previous marrage. Now, he certainly agreed with me that when a man marries, its no longer about the man and his wife but also about both family together.
Kim Yeong's situation is very much like my situation on my previous marriage.
Initially when I was with Ching ( ex-wife ), we still get along well because she agreed and understood how her parents are.
Her father thought by giving me the bakery business means that giving me the golden bowl. Almost every expenses he incurred, has to be borned by me. Even when he drove to KL or Genting Highlands, the meals, the petrol, charges for car services have to borne by me. Even his daily 3 meals eating out will be claimed.
When he has his relatives from KL visiting him in Ipoh, he will bring them out for sumtious dinner. There he will pay for everything. But upon reaching home, his hand will be taken out to get money from me.
I felt very angry with the in laws. But I still can work out the marriage is because Ching still support me and against her parents as well.
Thinking of what her parents did, I thought the best way is to bring my whole family together with me in Ipoh. So, my parents and younger brother shifted to Ipoh. But, my in laws never gave in and are always demanding.
When dad shifted in not long, dad quarrelled with Ching. I can understand this because I knew dad has bad temper just like Ching.
Ching basically cant get along with anyone with my family member as well. She even dislike my brother, Leong.
I told myself, the only person who has the best temper is mom. If mom also could not tolerate with Ching, this is the time when I should put a full stop to my marriage.
True enough, one day, mom also explode with Ching. That is the time when I know the end of my marriage.
When we look for our life partner, it is very important that we should always put into the consideration of both parties family members and relationship as well.
The way they interact, their financial status will some how affect us and we can know whats our position when we are married.
So, it is very important to choose our life partner wisely.
Tuesday, September 2, 2008
Friends
Ever since I am at very young age, I can easily get friends and befriended anyone.
The inner behaviour in me which is very strong... did not like to hurt or disrespect anyone in any way perhaps earned me many friends. Well... At times I really feel this is disadvantage as well. Cos I do not know how to turn down people politely. Any way, I learn as I grow up to say no to my friends.
Friends... Please take note: Friends can be of great help and also can be our worst enemy and disaster in life...
When I was at my teenage life, practically I have friends everywhere. Who is good and bad, I don't really know how to differentiate them. To me at that time, those who hurt my feelings are the bad ones. But very few of these friends will show their true colour.
At the age of 14, I started to learn how to socialise around. I mixed with few groups of friends. I even mix with friends who are not from my school that is my cousin, Kee. So lucky that mom has always been against me getting close to this friend. Mom told Ms Devi (my tuition teacher) to made me realise on her worries about me and the people I mix with.
I felt so lucky that Ms Devi managed to make me realised how much my parents love me and from that time onwards I did not mix with Kee. Mom is very right. Kee ended up becoming a drug addict and went to prison a few times. So do Kee's friends. Majority of them became drug addicts as well.
By right from here I should learn my lesson well but then I just learned that not to mix with the wrong party. I still do not know what are the harms that friends might do on us.
When I was in my college life, as usual I mix freely with friends. I still remember at one time when I was with few friends walking along Bunga Raya Road in Melaka, I was waiving practically non stop to people. My friends even noticed this and even said I was waiving to so many people from the beginning of the road till the end of the road. That shows how popular and friendly I was.
Finally, it is when at my college life that I learned my lesson well from my classmate, Meng Kiat. At one he was my room mate. I spent so much on him as he is not from a well to do family till he took things for granted out of me. From him, I learnt my lessons well.
From that time onwards, I really learnt my lessons well. Even though I still mix and be friendly with people, I choose my friends carefully.
When I was having my bakery business in Ipoh and Butterworth, I basically do not have any close friends at all through my college lessons.
After divorce, when I am in the tourism industry, again I felt the importance of friends.
It is Chee who helped me back into the tourism industry. And during my guiding life, I come across few friends who are very sincere and helpful. I started to treat Kong, Sam and Thum as very close friends like brothers.
It is very well important that the people we mix with should be the creme de la creme: Meaning to say that if the people that we mix are of top quality, generally we will be one of the top as well.
However, if we are not careful, the friends that we mix with are gamblers, generally we will become gamblers. Please note that friends tend to mould us into what we are as well indirectly without us realising it.
Of course there are just too many bad incidents and experiences that I am very careful with my friends. I always when we have more friends, they are more harmful then useful. Mom has always reminded me this from time to time.
I have few very lucky moments that through friends help that I go through my hardships.
Sam lend me the money so that I have my deposit money to buy this house I call home.
Kong entertain me and accompanying me when I was so down when I broke up with my girlfriend.
Thum helped me when I was really down at my job. He voluntarily allowed me to follow him during his tours. He made me wake up and well aware on how to earn money again.
So, friends could be very helpful. Friends could be very harmful as well. The power is in our hand to choose our own friends. Be smart in choosing friends and they will help you in a lot of ways...
The inner behaviour in me which is very strong... did not like to hurt or disrespect anyone in any way perhaps earned me many friends. Well... At times I really feel this is disadvantage as well. Cos I do not know how to turn down people politely. Any way, I learn as I grow up to say no to my friends.
Friends... Please take note: Friends can be of great help and also can be our worst enemy and disaster in life...
When I was at my teenage life, practically I have friends everywhere. Who is good and bad, I don't really know how to differentiate them. To me at that time, those who hurt my feelings are the bad ones. But very few of these friends will show their true colour.
At the age of 14, I started to learn how to socialise around. I mixed with few groups of friends. I even mix with friends who are not from my school that is my cousin, Kee. So lucky that mom has always been against me getting close to this friend. Mom told Ms Devi (my tuition teacher) to made me realise on her worries about me and the people I mix with.
I felt so lucky that Ms Devi managed to make me realised how much my parents love me and from that time onwards I did not mix with Kee. Mom is very right. Kee ended up becoming a drug addict and went to prison a few times. So do Kee's friends. Majority of them became drug addicts as well.
By right from here I should learn my lesson well but then I just learned that not to mix with the wrong party. I still do not know what are the harms that friends might do on us.
When I was in my college life, as usual I mix freely with friends. I still remember at one time when I was with few friends walking along Bunga Raya Road in Melaka, I was waiving practically non stop to people. My friends even noticed this and even said I was waiving to so many people from the beginning of the road till the end of the road. That shows how popular and friendly I was.
Finally, it is when at my college life that I learned my lesson well from my classmate, Meng Kiat. At one he was my room mate. I spent so much on him as he is not from a well to do family till he took things for granted out of me. From him, I learnt my lessons well.
From that time onwards, I really learnt my lessons well. Even though I still mix and be friendly with people, I choose my friends carefully.
When I was having my bakery business in Ipoh and Butterworth, I basically do not have any close friends at all through my college lessons.
After divorce, when I am in the tourism industry, again I felt the importance of friends.
It is Chee who helped me back into the tourism industry. And during my guiding life, I come across few friends who are very sincere and helpful. I started to treat Kong, Sam and Thum as very close friends like brothers.
It is very well important that the people we mix with should be the creme de la creme: Meaning to say that if the people that we mix are of top quality, generally we will be one of the top as well.
However, if we are not careful, the friends that we mix with are gamblers, generally we will become gamblers. Please note that friends tend to mould us into what we are as well indirectly without us realising it.
Of course there are just too many bad incidents and experiences that I am very careful with my friends. I always when we have more friends, they are more harmful then useful. Mom has always reminded me this from time to time.
I have few very lucky moments that through friends help that I go through my hardships.
Sam lend me the money so that I have my deposit money to buy this house I call home.
Kong entertain me and accompanying me when I was so down when I broke up with my girlfriend.
Thum helped me when I was really down at my job. He voluntarily allowed me to follow him during his tours. He made me wake up and well aware on how to earn money again.
So, friends could be very helpful. Friends could be very harmful as well. The power is in our hand to choose our own friends. Be smart in choosing friends and they will help you in a lot of ways...
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