MH90

@pedoqpop Ajak

Jalan jalan tengok barang nak candat sotong. Warna apa la tengah femes kalau nak turun Kuantan?

Auto-Reload via CREDIT CARD are not affected because they want users to used credit card so they can charge on it. Fuck TnG capitalist!

@ENHYPEN1130 @sharifahsofia Betul tu

@sharifahsofia thanks yg reply post sbb saya ada same problem. so kalau tutup paydirect mmg dia auto tolak dr card and not kita punya wallet? nebes pulak kang sangkut palang 😅

Why does this tng wallet deduct from wallet when paying tol using nfc card??? Kad dah top up... nak ambik dari wallet apahal???

@IkhwanHafizLFP Mcm mana la game pagi nnt ya. Semoga okay la semua nya hahaha

Yeah! Henry is waiting for Arteta’s team to play.

A property agent taught Malaysians to size their debt based on their salary and called it financial advice He went viral, nobody questioned it The bank absolutely loves this Property CAN be an asset but only when it pays you. Not when you are paying it for 35 years hoping prices go up Be careful of the trap

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.

✅️GOOD NEWS Thomas Partey, former Arsenal DM who had been accused of r@pe by his Moroccan girlfriend, has reportedly had all charges dropped after authorities stated there was insufficient evidence to proceed with a conviction. According to the judge, the case may have been a setup intended to damage his reputation. 🔸️Following the decision, people close to Partey are now reportedly urging him to pursue legal action against his accuser for career damaging allegations, with suggestions that any potential damages claim could be as high as $150 million. If it was you, do you forgive or let the ladies be punished?

@_fabulistjiwa Pergi je view cuci mata

Rumah sampai 1.5 juta ni nak ke gi viewing? Sedar diri sikit miskin.

AMARAN RIBUT PETIR. ⛈⛈⛈ #ributpetirmetmalaysia #metmalaysia #NRES #MalaysiaMadani

Ezeeeee!!!

@shvshvv Coros/suunto okay mok

🔴 𝗧𝗘𝗔𝗠𝙉𝙀𝙒𝙎 ⚪️ 🔙 White returns ✨ Eze and Odegaard bringing the creativity 🫡 Havertz leads the line Relish the battle, Gunners 💪 🤝 Presented by @deel

Nilai jadi saksi, EMAS untuk Malaysia di Piala Dunia Berbasikal Trek UCI!! 👏 The G.O.A.T, Dato' Azizulhasni Awang cemerlang diacara 𝙢𝙚𝙣'𝙨 𝙠𝙚𝙞𝙧𝙞𝙣! 🇲🇾 Saksikan siaran langsung Piala Dunia Berbasikal Trek UCI di Astro Sport Plus, saluran 817. #TrackCycling #TrackWC

AMARAN RIBUT PETIR. ⛈⛈⛈ #ributpetirmetmalaysia #metmalaysia #NRES #MalaysiaMadani

Tiga termasuk timbalan pengerusi NGO ditahan kes seleweng dana zakat RM230 juta Dalam operasi tersebut, SPRM turut menyita 18 unit kenderaan mewah antaranya Porsche dan Mercedes selain hartanah bernilai kira-kira RM11 juta, pelbagai harta alih lain termasuk wang tunai serta jam tangan berjenama. Foto SPRM

@meinmokhtar Aduh yeke. Aku haritu pi makan yong tau fu ja

@hanis_90 Baru p ritu. Haram dah tak sedap hm

Rasta? Apa tah lagi satu nama tempat dekat petronas tu

@feeqanadia @myrakimura Sbb u selalu share benda bukan2!

Sekarang ni kenapa tak jumpa kak @myrakimura dekat threads! 😂

𝐃𝐨 𝐲𝐨𝐮 𝐤𝐧𝐨𝐰 𝐭𝐡𝐚𝐭 𝐄𝐔 𝐫𝐞𝐪𝐮𝐢𝐫𝐞𝐬 𝐬𝐦𝐚𝐫𝐭𝐩𝐡𝐨𝐧𝐞𝐬 𝐭𝐨 𝐡𝐚𝐯𝐞 𝐫𝐞𝐦𝐨𝐯𝐚𝐛𝐥𝐞 𝐛𝐚𝐭𝐭𝐞𝐫𝐢𝐞𝐬 𝐬𝐭𝐚𝐫𝐭𝐢𝐧𝐠 𝟐𝟎𝟐𝟕? In 2023, the European Union announced the new EU Battery Regulation. Under the new ruling, which will be enforced starting from 18 Feb 2027, electronic devices such as smartphones and wearables sold in the EU markets are required to have removable batteries. End users must be able to remove the battery from these devices without the use of specialised tools unless provided for free. Now that we are less than one year away from the implementation, can the industry meet this new requirement in their 2027 devices? 🤔

BREAKING: Apple CEO Tim Cook steps down. Cook has served as CEO since taking over for Steve Jobs in 2011.