Syafiq Syaz

Menurut warga asing yang menetap di Malaysia, pelawat lebih tertarik kepada pengalaman budaya autentik seperti sambutan Ramadan, Hari Raya, dan Festival Sarong berbanding festival hiburan ‘basah’ yang disifatkannya sebagai tidak matang dan tidak mencerminkan identiti Malaysia.

'Neverness to Everess' (NTE) New GTA-Styled Open World Gacha has been accused of using AI-generated assets, after some players believed the developers would not use GenAI in the final product "Our core assets and character portraits will never touch AI" -Yang Lei (Xihuan)

Lol, every community participate in calling NTE. Even the hoyo leakers participates it

Perlu ke sorang level Menteri duk atas stage tembak air mcm tu 👀 Ada sorang yg mcm ni cukup utk punahkan imej kerajaan Madani Bekerja 😭😭😭

Tak sabar nak mengundi nanti

The trap Here's the maths to calculate how much your kids will need to pay at your "break even" property price. Property is sold to us as an investment. But before we celebrate "owning a home," let's actually calculate what break-even looks like. The assumptions for these calculations. - Interest rate of 4.25 percent - Loan tenure = 35 years - 90 percent loan-to-value (10 percent down payment) The break-even price is what your house must sell for in 35 years just to recover the total mortgage payments and down payment you put in. Not profit. Just break-even. RM200,000 now = RM385,400 in 35 years RM250,000 now = RM481,750 RM300,000 now = RM578,100 RM350,000 now = RM674,660 RM400,000 now = RM770,800 RM500,000 now = RM963,500 RM700,000 now = RM1,348,900 RM1,000,000 now = RM1,927,000 Across every price point, your house must roughly double in 35 years just to break even on mortgage interest paid. More importantly, that is also the price your children will need to pay when they buy a similar home. For your kids to afford a RM578,000 house at the same income-to-property ratio you had today, their wages must double in real terms over 35 years. Has that ever happened in Malaysia? Real wage growth has been roughly 1.5 percent annually. Compounded over 35 years, that is 1.7x growth. Just barely enough to keep up. If wages slow, your kids are priced out. What this calculation excludes: - Property maintenance - Cukai pintu and cukai tanah - Renovation and repairs - Strata fees if condo - Sinking fund and special assessments for condos - Opportunity cost of capital tied up in property versus invested in more liquid assets like ETFs and stocks When you add real ownership costs, the actual break-even price in 35 years is closer to 2.5 to 3 times the original purchase price, not just 2x. So a RM300,000 house bought today actually needs to be worth RM750,000 to RM900,000 in 35 years just to break even. The system as currently designed forces a generational trade-off. Either today's buyers lose because property does not appreciate enough. Or tomorrow's buyers lose because property appreciates too much for them to afford. There is no scenario where everyone wins. When someone tells you property is an investment, ask them what they mean. If they mean it must double to break even, then your "investment" is really just preserving capital while paying for shelter. If they mean it must triple, then your kids are the ones paying for your "gain." Either way, the math should make us pause.