CAR LOAN TIPS

Determine your financial situation

This is the first and most important step in the car buying process. You must know how much you can spend before you can determine what you can afford. You don't want to get stuck making a bloated car payment that will leave you eating bologna sandwiches for three years. First of all, you need to have a monthly budget. This is very easy to calculate. Add up all of your fixed monthly expenses, such as your rent/mortgage, phone bill, etc. Subtract that from your net income. Then subtract your estimated extraneous expenses, such as food, gas, entertainment, whatever. The result should be an amount of money you have to play with. From that, you need to remember that buying a car involves more than a down payment and monthly payments. In your budget you will need to include licensing, registration and other hidden costs, as well as monthly insurance costs, gas and maintenance. Once you have all of this worked out, you should have a ballpark figure of the budgeted amount you can use for car payments. A good rule of thumb is roughly 33 percent of your net income can be used for a car payment. Once you determine that figure, stay with it.

the increasing gas prices. Plan on taking road trips? Consider something that gets good mileage and has cargo space and lots of cup holders. Plan on going off-roading? The SUV is your best bet. Some even come with a first-aid kit! Once you've narrowed your choices down to a couple, it's time to do some car research.

Decide which car you want

Now that you have settled on a monthly allotment, now you can look at which vehicles fit into your price range. This is really about personal choice, but a good criteria to go buy is to look at what your needs are. Do you have a family? There are plenty of affordable, safe and reliable minivans and station wagons on the market. Single and commute, or do a lot of city driving? The compact segment has a wide range of models to choose from that boast handling and superior gas mileage. Do you use your vehicle for work-related tasks, such as hauling, delivery, etc?? There are several convertibles and sports cars that will make you feel young again. Also consider your wants. Compact cars get really good gas mileage and are a great if you want to save money on the increasing gas prices. Plan on taking road trips? Consider something that gets good mileage and has cargo space and lots of cup holders. Plan on going off-roading? The SUV is your best bet. Some even come with a first-aid kit! Once you've narrowed your choices down to a couple, it's time to do some car research.

Do your homework

Here's where you will need to spend some time sorting through some details, but it will be worth the effort in the end. After all, the more you know about what you're buying, about whom you're buying from, and about the buying process itself, the more money you will end up saving. There are plenty of places for you to do your car research. Check out the Internet and newspapers, contact car dealerships, credit unions and local banks to see what kind of deal you can get. Knowing what a car dealer's competition is offering can only help you out in the negotiating process. Look at interest rates. You'll want to get the lowest possible interest rate, as it will help you pay less in the long run. Many car buyers focus on getting the lowest possible down payment. If a car dealer gives you a low down payment, the money you are saving has to be made back.

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TRADE IN USED CAR

For those who's interested to sell their car personally or trade in or sell to 2nd hand dealer, i hope this info might give you some direction on the process to sell your car...

General JPJ transfer car ownership. (both owner/buyer must be there)

1. Get the forms ready for transfer. You can download the forms from JPJ website. Forms you need as follow: JPJK3, TM-1, TM-AB (photocopy both buyer/seller IC).
2. After form complete, just go to JPJ and submit all the forms together with car original registration card and also new buyer insurance cover note.
3. Pay RM100 (you can buy postal order from JPJ itself).
4. Wait for the transfer name to complete and collect back the transferred ownership of car registration card.

When selling a car directly to buyer/bank loan:

1. Buyer/seller need to be at the bank with the car registration document in order to apply the loan. If buyer is from outstation, then seller need to fax over the car registration.
2. Upon approval, the bank will issue an undertaking letter and after that the seller need to transfer the car ownership to the buyer's name.
3. Upon completion, bank will release the fund to the seller.
4. Any additional fees in loan/transfer ownership shall be paid by buyer.

When selling a car to 2nd hand car dealer:

1. Owner/2nd hand car dealer agree on the price.

2. 2nd hand car dealer pays the owner a downpayment fee. At the same time, provide information on selling price + downpayment + balance.

For my case, it was just written on a white piece of paper with my IC photocopied and also the car number written down. Owner at this time hand over the car but keep the registration document (geran).

3. Seller and 2nd hand car dealer meet up at JPJ to complete "penyaksian pengesahan identiti pemunya berdaftar". This is for JPJ to certify that the actual owner of the car agree on the sales. I heard this need to be done so the car can proceed for inspection as well.

4. After JPJ process completed, owner handover the registration document of the car to the 2nd hand dealer and at the same time owner received bank draft cheque for payment of remaining balance owed. You can arrange with dealer to get cash or direct deposit to savings acc etc, at your own arrangement. But before that I was offered a personal cheque which i declined to be on the safe side.

5. For final precaution, I prepared a letter of indemnity for the 2nd hand car dealer to sign, which they duly obliged.

This is as far as i can remember for the whole process and i hope the cheque doesn't bounced but should be ok since it's a bank draft and not a personal cheque.

Aku nak Kongsi ilmu...

June 19, 2009

tetiba terlintas dalam hati utk tulis apa sahaja yang akan terlintas nak aku kata nak aku bebel nak aku komen ke..nak kutuk ke..nak puji ke..

k…..emm apa dulu ye….baiklah..

aku nak sharing pasal rukun sujud…ramai org tau rukun sujud solat kita tu ada tujuh… pertama dahi, kedua dan 3 ialah dua tapak tangan, dua lutut dan akhirnya kedua belah jari kaki… macam mana yang dikatakan rukun sujud yang sempurna..most people aku perhatikan banyak yang tak memenuhi rukun sujud ni..ok aku terangkan dengan ringkas kat mana yang selalu salah tu.. rukun sujud termasuk dua tapak tangan..jadi masa sujud tu,..kedua dua tapak tangan kita mestilah rapat ke lantai..seolah ditekap rapat tapi tak perlulah tekan kuat sangan..sekdar tekap sahaja…dan salahnya kebnykan org ialah mereka sekdar meletak kan tpak tngan di atas lantai shj dan perhatikanlah bahawa ada ruang kosong antara tapak tangan dan lantai..

lagi..bila sujud tu..masyaAllah, cepat benar dia bangun semula..seolah2 dia baca dlm sjud tu mcm baca “1 2″..abis dan bangun semula..huhu.. perasan tak bila dia sujud tu jari2 kakinya belum pun sempat nak cecah ke lantai dan lipat ke bahgian dalam dia dah bangun…aiii…..rukun sujud kedua dua belah jari kaki cik kak cik abg makcik pakcik oiiii….. kalau tak silap aku..at least 3 jari kaki kanan dan 3 jari kaki kiri mesti bengkok ke arah dalam dan bukannya sekadar pacak jer tau…

“seburuk buruk manusia adalah mereka yang mencuri dalam solatnya. Mereka tidak rukuk dan sujud dengan sempurna “

lagi aku nak tmbh pasal ambik wuduk..semua org tau kita nak berwuduk salah satu syrat wajibnya ialah “air mutlak” dan tak boleh guna air mustakmal..err btul ke frasa dan ejaannyer tu… emmm asalkan korang paham udah lah yerr…

kat sini yang aku selalu nampak ialah di akhir anggota wuduk kita iaitu kaki…lazimnya kita akan gunakan cebok @ gayung utk ambil air dari dalam takungan @ kolah @ tangki @ baldi… Air mutlak adalah air yg tak tercemar dan tak masih blm digunakan lagi…perasan tak bilamana kita nak cedok jer air dalam dalam kolah tadi, jari kita..biasanya ibu jari tangan akan cecah, masuk @ sewaktu dengan nya dlam cebok tadi…jadi ini menjadikan air dalam cebok tadi telah tercemar dan bukan mutlak lagi..sila ambil air lain semula weiiiiii… biasanya ini terjadi kalau gayung kita tu jenis tangkainyer yang kat tengah…emmm kalau yang jenis tangkai kat tepi tu..bagus lah…

pe lagi ek pasal wuduk ini…ha..tak salah aku…dinasihatkan kita agar tidak menyapu air wuduk dengan cepat dan rakus..sebab takut2 air tu tak serata dia nggota wuduk kita tu… aku selalu gak bengkeeekkkk jer ngan org yang sapu muka masa wuduk tu dengan rakus…sebab nyer…dia sapu kuat sangat maka dengan itu air dari muka tu akan terpercik dngn kuat dan kena aku…woii apa ni basah ni, abis air dalam tadahan tangan aku ni dimasuki air dari muka ko..kan ke dah tercemar dan tak mutlak lagi air aku ni…baju aku pun basah…bodoh,jahil ,celaka “@#$#%@$%@4..cam tu ler kekadang yg timbuk di benak aku bila kena situasi tu… ..kan ke islam kata, hati jiran kena jaga..kena ambik kisah ketenteraman org lain…

lagi..perasan tak wahai kaum lelaki…pasal pa bila hangpa pakai kain pelikat…brand ntah pape kain pelikat hangpa tu mesti hangpa tala kat bawah..memang hangpa tak berniat nak menunjuk brand kain tu tapi sedar tak skit sbnyk dah mengganggu jemaah kat belakang..kecuali anda “solat sendirian” di rumah @ tak de org lain di belakang… ada macam2 brand …”gajah, gajah duduk, atlas , sampan dll… dalam solat nak khusyuk tapi kita yang dibelakang dia terbaca pula hujung kain makmum depan ada brand tu suma…tak sungguh tak kata sebab kita pasti baca bukan…ada apa dngn brand tu suma…pakai brand dok bawah sebab mengikut org lain suma pakai cam tu ? tak dak pendirian ka wei !!! dah..pas ni tukaq brand dok atas..tak tayang bukan tak sah solat tu..bukan pula org nak kata pakai kain tak betoi…. ni ha…aku yang kata, hangpa yg buat makmum belakang solat tak betoi..

aku harap sngt kalau aku salah sila betul kan

Beriak tanda tak dalam, berkocak tanda tak penuh

“Beriak tanda tak dalam, berkocak tanda tak penuh” bermaksud seseorang yang begitu hebat bertutur kata di depan kawan2 utk menunjukkan kemampuan serba boleh , tahu dan mampu dalam apa jua bidang. Baginya tiada bukit yang tinggi @ jurang yg dlm. Semuanya blh ditmpuhinya. Tapi ini hanyalah dlm ceritanya saja.

Bila cerita mengenaii keberanian, maka dialh orgnya , tak kenal erti takut walau dgn siapa pun. Kadang2 dia lupa bhw dia bercerita pd waktu mlm dgn kwn2 disedari hari pun dah larut malam. Dakwat habis, pen pun patah, punggung pula minta dibaringkan, maka masing2 bersurai utk pulang. Tapi tetiba beridiri bulu tengkuk si serba tahu , terbeliak biji matanya menoleh kiri kanan kerana takut kpd hantu raya merayau waktu malam. Tanpa disedarinya terkeluar dr mulutnya utk mengajak kawan2 berkonvoi bagi perjalanan pulang. Itulah yg dikatakan “Beriak tanda tak dalam, berkocak tanda tak penuh”. Ia juga diibaratkan “ayam jantan menjadi raja di lesung, berkokok rajin, terajang tidak ada, digertak ayam betina, kucup dua sayapnya.

Nyaring kokoknya, tiada siapa yg dpt menandingim berjalan mendada, bahu ditinggikan dan pandangan mata ditajamkan utk menandakan kehebatannya bukan sekadar pakar dlm ilmu persilatan, tpi semua jenis ilmu mempertahankan diri. Secara kebetulan bila berselisih dgn org bermisai tebal dan tersepak pula tumit kasutnya maka dia diherdiknya oleh lelaki itu. Maka, misai lentiknya terkulai dengan sendirinya, bahu yg tinggi layu ke bawah dan dada yg busung cekung ke dlm. Itulah org yg “Beriak tanda tak dalam, berkocak tanda tak penuh”.

Di mana saja duduk berbual, pasti tinggi buih pada gelas, pantang baginya mengalah. Ceritanya seperti kacang direndang dalam kuali, bunyinya meletus ke sana sini , diiringi pula dengan gelak berderam-deram, rokok kawan terus disambar. Org senyum disangka menyokongnya. Hadis nabi macam air terjun. Hukum hakam tahu segalanya, manti ma’ani , tafsir kahzen Imam Ghazali dihafalnya. Tapi jgnkn menunaikan solat lima waktu, ambil wuduk pun tak pernah kelihatan, inikan pula pergi ke masjid. Jika ada pun sekali setahun , semua org tahu bila masanya.

Jika ada org bertnya, beliau menjawab “ martabat saya sudah tinggi, setahap wali, saya dah dapat kesimpulan hakiki dlm islam, iaitu ilmu hakikat dan makrifat, solat lima waktu itu peringkat rendah , tidak perlu , bagi tahap saya cukup mengingat saja, ke Mekah sekelip mata, ke syurga dgn nafas. Kahwinnya pun dalam syurga, Allah menjadi wali, kalimah syahadat sebgai maharnya dan malaikat sebagai saksinya. Jika bab wanita disebut, baginya mudah saja, kalau dah suka sama suka, maka itu sudah halal, halal dilakukan sesukanya. Itulah dia “Beriak tanda tak dalam, berkocak tanda tak penuh”. Cerdik beliau tk dpt dikuti, pandir beliau tk blh diajari, besar hentak tapi tak lalu, besar suap tapi tak kenyang.

Jika berdepan manusia seperti ini m jgn dilawan, jgn dibantah bicaranya, lapangkan saja dada, pekakkan saja dua telinga. Pendek kata, pilih jln selamat, sekiranya dilawan kita pun lebih kurang sama dengannya. Tidur berasingan , mimpinya sama juga.

Kesimpulannya org sepertinya ibarat imam yg batal wuduk tak sah solat jemaahnya. Rajin solat m upah tk dpt . semacam labu, dibenakan melonjak lonjak sana sini, dalamnya kosong melompong. Pembohong besar rupanya.

Kalau “Beriak tanda tak dalam, berkocak tanda tak penuh”, dia adalah si sulung yg tak ada abangm, si bongsu tiada adik. Ini berbeza dengan sifat “ tenang2 menghanyut,semut terpijak tiada matinya, tapi alu tersepak patahnya tiga”.

Manusia yg bersifat seperti ini lain pula pembawaannya. Dia tak banyak cakap, suka tak suka dia hanya diam. Jika marah tak kenampakkan dan jika suka pun begitu. Di samping mempunyai kelebihan ada juga kekurangan tak disedarinya.

Dalam pergaulan, kehadirannya tak ada manfaat sekdr mengisi bangku kosong. Dalam pergaulan. Org seperti ini hanya mementingkan diri. Ke mana saja pergi dia diibaratkan membawa keris pusaka tersisip di pinggang tapi tapi tak pernah dihunus keluar sarungnya.

10 sen jer..

RM0.10 , 10 sen , 10 cents , .. atau aku panggil sekupang..apa yang kita boleh buat, kita tau pasal 10 sen .. ramai jer orang dok cakap pasal 10 sen tapi apa nilainya utk kita..sejauh mana nilainya utk kita? and what i'm supposed to do with 10 sen. errrr..as usual lah....all the syiling i got..emm RM only tau..I put directly into my lovely tabung...emm a nice tabung made from 5.0 ltr container of mineral water..support global warming dude.. keep recycling the waste..

10 sen kalau disedekah,besar manfaatnya. Tak kan susut rezeki seseorang dengan bersedekah ..percaya lah.. Ntah dari mana tetiba kita murah rezeki..emm mungkin dari sedekah kita dahulu..tak ada orang yang miskin kerana bersedekah !

10 sen.. kalau dikumpul harta kekayaan di dunia ni..chup kat malaysia ni pun jadi lah.. tak dak 10 sen tak dak lah juta2 ringgit.. jadi jangan nak hina :::
"10 sen apalah sangat boleh dibuat"
ramai jer org yg bilamana terjatuh duit 10 sen tak kan kutip balik..itu 10 sen..cam ne pula dengan nasib 5 sen dan 1 sen..lagi lah org tak kutip semula.. macam menghina duit tu ajer..seolah duit tu tak dak nilai..kot ye pun tak dak nilai..benda tu dah jadi sampah bagi kamu..ishh jgn hina rezeki..bergaduh depan rezeki pun tak elok masakn pula menghina nya lagi.

a good site where you can know what can you do with 10 sen.

***tngk pic tu.. 1971..rare coin tu.sekupang tahun tu memang susah nak jumpa...tak caya cek sekupang anda, kalau ada..boleh sy mintak?!