I guess it has been quite awhile since I updated my blog space. During those time a couple of interesting stuff happened in my life.
My graduation is among them.
Frankly speaking I couldn't care less about the degree prior to the convocation. I mean, I've already secured a job - what could that piece of paper get me anyhow? We all know that experience matters more than that paper.
But as I came that Friday for my convocation rehearsal - and saw those familiar faces of friends; I'm just glad there's a thing called "convocation". At least on that day, I got to meet back my friends from back in the day and play catch up with them.
I drank too much of teh tarik on that day thats for sure... Later that night we all went and had a 'makan besar' at one of the nearby seafood restaurant. The bill amounted close to RM100. There was six of us. But only two were paying. Me and Pedot.. since we had more 'rezeki' compared to the rest I guess. I certainly didn't mind it at all. It's not everyday we can eat up together like that - and well I guess I kinda agree with the saying; good things are meant to be shared.
In other news, my not so little brother has gone up to the US of A. He's in Purdue now... hopefully making good use of that noggin of his. I admit that the house now seems quieter than usual (obviously). Abah now has a new routine whenever he's home for the night - ym-ing with Din whenever he got back from work. Times have changed he said. Back then he used aerogram to write home to kampung - which would take around 2 weeks to..not fro. Now, with ym..he could easily see his beloved son all the way from across the globe. I guess he must be glad. I am too. :)
The pics below are from his majlis doa selamat which took place a week or so before his flight to the US. Kinda like a 'hari raya' photo don't you think..hehe~
Idin, Nadya, Amat, and Yours TrulyAnd I haven't mentioned this!! I'm engaged!! Wahaha..demmit I've been too busy I guess I forgot to even write this down in my blog!
Our CakeAnyways last month on the 12th of July, I got myself engaged with the gal of my dreams; Amatullah. The majlis itself was pretty simple - more like meet up of my family and hers. There's no makan-makan and all that. I was not there during the meet up - but I think things went pretty well. Hopefully we'll be married next year.
For now though - kumpul duit la beb~
I've done a lil' research as of late on whether I should take some personal loan to add to ASB savings.
The result was quite interesting.
For my case, I had about 20k in ASB savings prior to the loan.
If I take a Rm30k loan with 15 years to pay it with RM250 monthly, I'd end up paying the bank in total of RM15k in interest.
After 15 years of that, I'd end up having RM173,693. Minus the RM15k paid to the bank, the true amount I have is actually RM158,693. Retrospectively, if I'd gone the conventional way, I'd have RM162,957 in savings - and thats the total amount. That means I actually lose out some RM4k because I'd have to pay the bank.
But if you stretch that a little further, let say another 5 years, then you'll see the numbers kinda evens up on both side (conventional and loan).
Stretching another 5 years, I begin to see an increase in return from the loan side - in which the difference between the loan and the conventional method amounts to RM10k.
This effect is perhaps due to the fact that in ASB the bonus is counted using a 10 year formula, so your investment history really can make a difference.
So in the long run - taking a loan to use as capital for ASB investment is actually rewarding. By long I mean real long..like 25 years kinda long (in the example the period of loan payment is 15 years, the period to actually break even is ~20 years. )
I've decided to start a posting today to jot down every weird thing that I did after I've been at it (coding) for some serious amount of time. So every now and then this blog will be updated on the weird stuff I did that day.
Let me start off with what just happened to me just now..
1. I decided to take a slight break from coding and go watch some videos. After awhile though, I find it rather a bore and decided to shut the window down. Guess what I did. My fingers instinctively went and typed ":q", as in the quit command in the vi editor. And it didn't stop there actually. At first I was like "Why the hell wouldn't this damn thing shut off..". And then I realize - I'm not in UNIX!!! Took me like 2-3 minutes to realize that fact.
