What if money was no object

Re: Tidusyuna



If money was no object. Life would be much simplified.
Status will no longer be measured by wealth.
Everyone will be happy living in their own home without the need to worry about loans and mortgage. 
Neighbors will start talking to each other again, giving each other a helping hand.
Everyone can finally enjoy doing what they love the most.
No more straining your muscle out just to make a few Ringgits.
Teachers, professors and mentors once again are thrive as real educators, no longer bound to market needs.
Everyone has a chance to do what ever they want without any time constriction. 

If this really happen,
I would be an adventurer.
Riding a horse and travel the world in search of the dragon scroll.
I would settle down in a comfortable wooden cabin by the woods.
With a Zen garden in the front and a small river stream flowing by.
Peace and tranquility would be everything.
Travelers and lone ranger are welcome to stay.

or...

I would become a  world conquer, fuck bitches and see them lay eggs

Rich people, job creating and taxes: PArt 2

Taxing the 1% in Malaysia will never work because

1) we are a developing country.
2) We have a fucked up system which made most of Malaysian citizen disloyal to their very own country.
3) People will get lazy for working so hard just to get taxed more ( implying to those CEOs, general manager dll a.k.a. supreme rank of makan gaji people)
4)We're a multiracial country. Imbalance between racial & economics in Malaysia Sux.
5)Rich will just get richer and they can always have a backdoor to avoid tax. hint: Swiss bank & politician

Rich people, job creating and taxes

Notable comments : He accurately described the economy cycle, debunked republican's ideology, bitch slap bush's tax cuts for the rich, and prove Obama's plan to tax the rich works ALL this in under 6 minutes.

Top 20% can be divided into 2 catagory, the extream 5% and the 15%
Extream 5% are those from the one who are on & off the 40 top richest Malaysian.
While the other 15% are those who actually, RICH Middle Class are just got lucky to have a salary above 8k.
Despite the graph was publish in 2008, our current average salary for  middle class still remains at 3k.
and most of Malaysian citizens are stuck in there.
Working their ass out to pay off unreasonable taxes.
While the poor, who are just poor, waiting for government support  are exist just to scare those pity midclass out.

Middle class have the most powerful purchasing power. Not the rich.

 Lets say, in a small village, theres consist of,  5ppl rich people, 55ppl middleclass and 20 poor people, and the case study of  sales of sugar.
all 60 people will definitely purchase it.
but 55 is dominated by the middle class.

IF, those so call job-creating-rich-people purchase 100 times amount of sugar that is consume by the middle class for business purpose ( example: biscuits, roti, restaurant food,sweets) &; all the bread is consume as daily food by the whole village. its those middle class and lower who is yet again the main consumer. not the rich.

Business does not exist if there's no consumer and jobs are consequences of consumer and business.
Rich will be come richer. and Poor just remain just like that.

50 people who own 1million Ringgit is better than 1 people who own 50million Ringgit.

p/s: wtf am i babbling. LOL

Proverb of the month (LOL)

The rich get richer and the poor get poorer

Too much truth in that proverb.
As long as you work under someone...
No matter how hard you work, you will always be poor.
Unless you have the will to venture into business.

ok

Update (4/3/2012) pic:

Review on New Malaysian Coins

Uh no... the new 50sen is an epic failure! Smaller then 20 Sen seriously!?

Even 10Sen's weight feels far more relevant than the new coin.

You can barely see the details of the new 50sen to be compare with the old 1991 coin

Look like a misshaped arcade token.

take note of the crooked dent at the edge of the coin.

p/s: I want the old coin!

Can I live in KL/Lembah Klang with a total income of RM2500?: Part 2

Continue from the previous post

What if you're Married with Kids  and your spouse is also working with a total income of RM5000 ( RM2500 each). Minus the tax, PTPTN & epf = (RM3150)

All good things in life comes with a price

A place call home: RM1055 ( 2095)

Flat with 3 room= RM800
No more room rent ok! 

TmNet broadband 1mbps = RM110  portable broadband RM50

Topup/phone= RM100

Electricity=RM150

Water= RM5 yea! Only in Selangor bro!

Food &groceries = RM517 (1578)

Spend around RM200 for lunch at work.

Shopping at Mydin every fortnight RM317

Car+Oil+Tol+ Car Park= RM550 (875)

Assuming the wife drive a brand new viva or saga.
Husband ride a motorcycle to work.

Parent=400 (475)
 parent from both side ok!

Children Package: 

Option 1: Baby maintenance= RM450  (25)

Pampers 1Malaysia=RM100  Reuseable Diaper =Free

Baby formula milk= RM100

Day care= RM300

Toys/ clothing (they grow fast!)= RM50

Option 2: Pre schooler RM450 (25)

Nursery+ day car= RM450

Option3: Primary School =RM180 (295)

Pocket money= RM100 

School Bus= RM80

Tuition = RM 80   

GG..Its alot!
Soo...Yes you can live in KL/ Lembah Klang and even have your very own family of 3 or four here!

At least for this part, it show us how hard our parent work to rise us up.

*story time*

I got a meleis "friend" whom 'I dont know how much his income is' borrowed our money. At first I thought he was facing financial difficulty due to his newborn baby. He seems urgent and desperate. It's quite weird why he doesn't want to borrow money from his bestfriends. One of them is even a pilot.Pilot are rich though.So we gave him the money and that was the last time we ever heard anything from him. It turns out that he used the money to purchase World of Warcraft expansion pack (USD$109.97 approximately RM351.904. Doesn't include proxy bypass & monthly fees) so that he could play with his bestfriends. To make things even better, he ignored us. Avoiding  us.It's been over a year now and we haven't heard anything from him. Probably he is assuming we would forget everything. !! You're old enough to use your brain, plan your  financial !

Afterlife!*tiada kaitan dgn mini story di atas*

Hope he a have a pleasant day in the real world and in the afterlife. I feel sorry for the family.

The end.

p/s: Money can change people. Dont ever lend your money to someone even if s/he is your best friend.

Can I live in KL/Lembah Klang with a total income of RM2500?

Can you survive staying in KL with an income of RM2500 and still save enough money for emergency?

Lets calculate:

Assuming:

1) you're single not married can be either in a relationship or forever alone

2) graduated with a degree. 3year course with PTPTN RM21000

3) Anak yg xlupa diri

4) not a smoker. If smoker, assume casual smoker = deduct  RM150 to the total sum

5) xsedudukan ( if you're in a relationship)

6) Rent only

WOW RM1000!

Income RM 2500

Tax= RM0 (RM2500)

Thank God!

Income tax

EPF

EPF / KWSP = RM275 ( RM2225)

Doesnt matter. This money if for your retirement.

PTPTN= RM150 (1575)

 every month for 11.6 years. I super hate those who recklessly spend their PTPTN loan during their university life. It's a LOAN !! PINJAMAN!  

Insurans= RM150

Fuck this shit. Most Meleis dont have insurans. They have super power and fueled by tenaga batin.

ASB Loan/ ASB Saving =RM100

Fuck this shit. Im still young and I dont need this.

Wedding plan= RM100

Fuck this shit! Im marrying someone rich!In KL, the minimum cost for a wedding is RM30000 and doesn't include tunang, Mas kawin & hantaran.

Credit Card = RM XXX

Fuck this shit! My pocket is always full of money!!

Sewa umah/ sewa bilik + Electricity+ Internet+ water + topup hp =RM500(RM1725)

hoho.. average room rent is around rm300. For the whole flat rent round RM600. Apartment 3room RM800. Double storey house RM 1200

Car+Oil+Tol+ Car Park= RM500 (875)

Assuming you're owning a brand new viva or saga.

Parents = RM200 (1375)

Why not? they are already old. It is time for us to pay back what they have sacrifice for us.

Food & Groceries= RM310 (565)

RM5 for lunch every working day= 22*5 = 110 xkan nak puase tiap ari

breakfast/home cook/dine out/keropok/junk food/ = 200.. need KFC, McD

Optional: Leisure = RM200 (365)

LoL why not? It's your own money. You deserve to enjoy it. buy some clothes, shoes, blanje awek.

Average shoe price: RM50

Average shirt/blouse: RM50

Average money spend on gaming: RM100(ori), Pirate: Rm5

Average movie ticket: RM10

Average monthly payment for smartphone at Maxis/Celcom/Digi center : RM50

Average spend on makeup/toiletries : RM50

Average cost needed for every outing : RM50

Average time to hangout with friends: once a week.. 4time a month. For lover: 8times a month

---------------------------------------------------------------------------------------------------------

At the end of the month, you have RM365 to save! So it is possible to live in KL/ Lembah Klang with a total income of RM2500.

Congrats! :D

World Money Chart!

the whole green section represent 1 orange color box.

the whole orange section represent 1 grey color box.

the whole grey color box represent 1 yellow color box.

the whole yellow color box represent 1 blue color box.

I stumble across this cool chart by xkcd, a chat of  Money: almost all of it, where is it, and what it can do.
the chart is entirely based on 2011 US dollar.(zoomable version here)

Things that are quite interesting in this chart:

• Largest market capacity company : Saudi Aramco $2 940 000 000 000
  -Most of the wealthiest company are petroleum based company. I bet if they cant find any new renewable energy within 50years to over come this problem, they'll might end up bankrupt. Brace yourself rupture is coming :O

Japanese earthquake has the highest estimated total damage. $235 000 000 000

PS3 120g slim cost $250 (RM875) , Xbox $200 (RM700) & Wii $150 (RM525) [try check ebay]
- The Price of the console depends on how big the capacity & the version is. Its a pity that the console price in Malaysia is so damn expensive. Average cost for a console game oversea is around $50 (est rm 175) which you can get the same price or less at lowyatt forum.

Average cost for rising a child to age 17: (in Malaysia,  probably  much cheaper)

Lower income: $150 380

Middle income: $206 920

Upper income: $ 302 860

I agree with the quote " anak itu rezeki" but it's bullshit to have 6-11 children and unable to raise them all. Ending up sending some of them to the orphanage. Congratz! Your lack of family planing has permanently scarred the life of the innocent.

Insight left, Prius Right

Prius top, Insight bottom.

• Toyota Prius is a better fuel saver then Honda Insight
   Aww! Insight looks better then Prius.=/
  
• Estimated total economic production of the human race (so far) : $2 396 950 000 000 000
  Skyrim: player.additem 00000000f2396950000000000. Fuck yeah! Im filthy rich! (cheatbook)
•  The Poor + Middle Class  household net worth= less then 9% of the total house hold net worth  of the rich people.
  The rich will always become richer. Meanwhile the mid class will work their ass out to make a living and the poor exist just to scare the shit out of the mid class to kept them working.
  
• Zynga, the corparation behind childish spamming game of Mafia Wars & all sort of -ville games worth half of Facebook value. :O
Like other social network games, Zynga had a formula of offering free-to-play game with artificial roadblocks that can only be overcome by spending money or pestering your friends (or by friending literally hundreds of people that you don't know just to get free clicks). It has no victory conditions and asynchronous game play making up the worst game play ever to exist. Much worst when people claim themselves a gamer by playing these crappy game.

Derpina: Kite ni girl gamer tau

Derp: Wow! Seriously? Jarang gile jumpe perempuan main game.. Game ape awak main?

Derpina: Farmville, CityVille, Angry birds, Castle Age, Sims Social. Oh yea! Kite Lvl 230 kat mafia   wars tauu !

Derp: ...

Zoomable chart can be review here 
Sources for the chart is available here


image credit: hansa, sciblog

where did my money goOoO??

new sem start and in goes the money...
~PTPTN~
yesh...u'll get rich doing nothing.
the shopping malls get unusually crowded..
couples in hand..buying stuff for their partner...
friends hanging out together..emptying their wallet out on nothing...
and one day they realize..
that they're getting short on money...
they'll turn to their parent...
calling....asking for money..lying that this sem consume so much money on education..
or the cafe is damn too expensive... (this one is true..haha)

and when the working life start...
u will finally realize the burden of debt u own from all the joy in ur university's life..
is there hunting u..