我终于明白了为什么我的ＰＴＰＴＮ要还１１年才可以还清了

爱旅行的大男人

還是看不懂? 我來比給你看:

SCENARIO A: (WORKING IN KL AS REPORTER)

OWE PTPTN RM13000 FOR TARC TUITION FEES
OWE FAMILY AND FRIENDS RM40000 UK STUDYING FEES

SUB TOTAL RM53000

WORK RM2300 PER MONTH INCOME, NO CAR, RENT ROOM

LRT MONTHLY CARD RM110
ROOM RM200
FOOD RM10 PER DAY X 30 = RM300 (RENTED ROOM CANNOT COOK)
UTILITIES: RM50 PER MONTH (SHARE WITH HOUSE MATES)
PAY PRUDENTIAL PREMIUM: RM250 PER MONTH

BASIC EXPENSES:  RM910 <--這個還是當你好運的時候! 生病呢? 保險?

SAVE RM1390

can only give mother/father/GIRLFRIEND rm1000? then pay PTPTN/DEBTS FOR RM390?

53000/390 PER MONTH = 135 MONTHS (11 YEARS) <-- somemore dun calculate the interest charged by PTPTN!

SCENARIO B:

WORK IN JB AS REPORTER, IF USE JB PUBLIC TRANSPORT = COMMIT SUICIDE ,  SO USE FATHER PUNYA 15 YEAR OLD KANCIL

RENTAL = 0
FUEL = RM100 <-- HOPEFULLY CAN TAHAN, OLD CAR EAT FUEL LIKE EAT POPCORN
CAR MAINTENANCE = RM100 <-- YOU NEVER KNOW........
FOOD = 0 (MUM COOK, LUNCH SELF PACK)
UTILITIES = RM300
INSURANCE PREMIUM = RM250

GIVE DAD/MUM RM1000

SUB TOTAL = RM 1750

INCOME = RM2300 - 1750 = 550

53000/550 = 96 MONTHS OR 8 YEARS

SCENARIO C

WORK IN SG AS AETOS AUXILIARY POLICE OFFICER

BASIC PAY SGD 1500, NORMAL PAY SGD1900, OT TURBO KAW KAW SGD2600 MAX

LET SAY I ALWAYS EARN SGD2600, EVERYDAY STUCK AT CAUSEWAY

SGD2600 X 2.35 = RM6110

FOOD = COMPANY GIVE, MUM COOK, MAX PER DAY RM20 X 30 = RM600

FUEL = RM200, PARK AT JB, WALK TO CAUSE WAY TAKE BUS
BUS TICKET = RM150
MRT = RM 300
UTILITIES = RM300
INSURANCE PREMIUM = RM250

GIVE MUM AND DAD= RM2000


ALTOGETHER RM 3200


income: RM6110-RM3200 = RM2910


53000/2910 = 18 months or 1.5 years.



問下你自己, 你是要花11年, 8年還是1年半來換完所有債務?



11年後, 等SCENARIO A的你還到來, 我可能已經有PORSCHE + TOYOTA ESTIMA, 漂亮老婆, 3 個小孩, JB 2層樓 BUNGALOW, 一堆股票, 可能還有幾間屋子收租, 你呢? 可能住RUMAH RAKYAT, 每天塞車, 給老闆罵, 沒女友........ 最可憐的就是買VIVA, 然後供到老........



我45歲就退休, 可以靠股票利息和房租生活, 每個月陪老婆/小老婆去外國爽. 你要幾時才可以退休?



PLEASE THINK 10 TIMES BEFORE YOU CONDEMN US MALAYSIANS WHO ARE WORKING IN SINGAPORE! ENOUGH IS ENOUGH!



玩具熊 发表于 28-10-2010 05:52 PM

人家都清清楚楚的算给你们听了
为什么你们还是死都不去新加坡当马劳？

lphsd

噢~原来如此~ 2

:柠檬茶:

做么LZ到处发同样的帖？