Comments on: Delayed Gratification

By: tswenahir

tswenahir — Mon, 05 Feb 2007 14:52:21 +0000

That is absolutely Piji, but the same things goes if I’m gonna have a family, I would still go for big cars. I myself like to own a euroupean car (esp Merc and Bimmer) but that is still probably 10 years down the line. Thumbs up with Piji (Automobiles? )

Cheers

By: Piji

Piji — Mon, 05 Feb 2007 06:14:39 +0000

There were some reported road incidents that involved some BMWs and Mercedes, against Honda and Protons. Sad to say, the passengers in the latters were at least heavily injured, but on the other hand, the ones riding in the big cars left unwounded. Yes, it is an act of God and we could also reflect that the accidents happened in a way that impacted more to one side. But could it be less distinctive, as far as lives of our family members are concerned? In short, get a nice car if you spend lots of time on the road. Remember that this is a country with one of the highest number of car crashes annually. Hey Irwan, can you put a new tag about automobiles? =D Thanks.

By: tswenahir

tswenahir — Sun, 04 Feb 2007 10:09:23 +0000

Well… currently I am driving a 2003 660 Kancil, being used it up ever since i was in university… Really can’t afford a new car currently coz of the petrol hike ciss!!! Don’t even mentioned about maintenace! Now doing sales, and guess what? All my coll drives at least a Waja and the scariest most a BMW E46 328 (2nd hand lah ). Even for the non exec in the factory none even dare to buy the lowest cc of perodua instead go for 850! Alamak to them la, do not even dare to ask them the loan they have to pay la. The powerful one for a non exec is a Honda Jazz (:| dun know how he can afford it). So at the end of the day, everybody laughs at me of owning the cheapest car in town (malu) . But looking at my savings, I have no regret at all paying cash to my kancil and enjoy every cents i saved!!! hahahha, maybe to some ppl dah oredi banned kancil ler so no comment on that larr However,if ASB goes well along these up coming years, will probably buy a good car for myself and my family (BMW E90 and a BMW X5 – 10 years later) . So I guess the term of “Bersusah susah dahulu” really really keep up my whole day bright Thanks Irwan bro!!!

Cheers

By: Sarah

Sarah — Thu, 01 Feb 2007 23:25:26 +0000

Firstly, I’m in the UK-so I’m changing the question to would I spend it to go to the US.

I say, if you have the money, and you’re really itching to go, why not? of course, don’t go on borrowed money(as said by someone before me), its not good.. cause u’ll have to think of that debt when u’re done with ur holiday. (Much like the feeling u have if u’re under jpa or mara loan.. damn..)

as for the car, i dont really care.. buy the car that u can actually afford. I’d rather invest on a property, pay for my kids’ trust funds, and go on that holiday to the US rather than splurge on a car.. But I know I most likely wont drive a kancil.. Then again, i’ve started saving, and am thinking of getting a car in the uk, and bring it home with me whne i graduate. its way cheaper. but that’s 5 years from now… no rush..

By: raden

raden — Fri, 26 Jan 2007 04:05:40 +0000

for the first question it depends on the person…if the person is understand europe very well like history…he wants to go there for a visit…perhaps going there now is better since you go with your friends unlike in another 20 years u probably go with ur family….the fun going with friends is differ than family… of course going with family is better but when will u get the opportunity to go with friends…travel in usa is ok but every place is the same unlike europe each country have different cultures…these experiences u never get in usa
2nd question….kancil ti carrera…hahaha…lets put aside petrol…consider about the insurance which will be at least RM40,000 , road tax will close to RM 30,000, maintenance….hmmm…u have to wait the spare part from german, …so just get the M3…hahaha

By: Piji

Piji — Tue, 23 Jan 2007 13:45:42 +0000

carrera is an absolute no-no to be driven in malaysia. unless you are super-rich or selling exotic cars (mcm Tan Sri Nasimuddin), coz the roads are not long enuf for malaysian drivers to “feel” the car (top speed approx. 300+ mph). that’s what i think =D.

By: timmy

timmy — Mon, 15 Jan 2007 20:26:48 +0000

Since you have promoted this blog at ym. Geram lak. Felt like obligated to comment sth. firstly, thanks for reminding abt the phrase’ bersusah-susah dahulu, bersenang2 kemudian.’ kinda forgot that useful phrase. damnit tim!

Delayed Gratification.. ehem ehem ehem. since small, I saw many contractors falling down because once they got high profit, they just simply spent on cars, bungalow, family and many more. Once you fall down, it’s hard to get up again. Also I saw few contractors who are understand abt Delayed Gratification. It took them more than 20 years to be stable and maintained. However, the process of 20 years is not a short time. You have to engage with many things. Strong in mind but at the same time not wasting your youth for the sake of financial freedom in the future. I experienced by my self one dedicated contractor who spent his money to travel maybe 2/3 times every year but really particular abt how he and his family spend the money. he’s really strict abt money management. But he manages to balance both sides. and not many people can do such thing. I wish I know what inspires him to do such thing.

and I guess for each person, everyone has different issues within his/her own life. and this topic is kinda subjective. If you want me to choose either go to europe or invest the money for the future benefits. I will choose tour europe. Simply because I know what I will do in the future, and the only time I have is now. money is just an idea. it won’t bring any good to me if i am not happy. and i came here not because i want to have good salary in the future. but i want to learn and to gain experience so that one day i can benefit others. benefit others can be either be a millionaire who gives job oppurtunities to thousands of people (cewah.. tinggi cita2) or just be a kindergarten teacher who teaches future leaders abt the values of life. Either way benefits me and the rest. Maybe it’s differrent for you Irwan since you have different background than mine.

As long as you know what you are doing now is right, and confident abt it, and that’s your dream, also it’s not wrong from the side of Islamic view, why not just go for it. Start chasing your dream today as you don’t know what will happen tomorrow.

Don’t do something that you don’t like just because many people do it. Is that the pride that you want to hold? Life is short, but it can be great if you spend your life with what you want. ( Kan aku dah merepek. )

Adios amigos.

p/s : I would definitely buy Honda Civic at the age of 25 if that is what i really want to. I just have to extremely work hard for my dream to come true. Well, I like to play with risk. Damn it TiM, risk taker always fails.. Haha

By: tasia

tasia — Mon, 15 Jan 2007 12:51:21 +0000

TOTAL delayed gratification makes you dull. All works and no play certainly kill the Johny’s excitement right . However, delayed gratification helps to discipline yourself. When you learn to say no to yourself, you will eventually master the evil in you. AND it helps you to understand your current limitations and shortcomings. Then this will help you to make a better strategy on how to best realize your dreams.

Macam jawap soalan SPM nih, but anyway..

My answers to your questions
1) Would you spend USD3000 to travel to Europe , or you would you invest that much of money and travel around the world 20 years later?
I will spend RM 3000 to travel around Malaysia or if Im lucky I can go to our neighboring countries. Europe will have to wait first because I simply cannot afford to spend that much money. Say I am willing to save RM 100 per month for my long waiting Europe tour, it’ll take me around 10 years to save up that much money. So it’s still possible right .

2) Would you like to drive Honda Civic starting at your age of 25, or would you like to ride a kancil until you get a Carrera at your age of 45?
Personally, Im not into cars. My rule of thumb on the car that I can afford is, it should not be more than 1/5 of my salary or if I can afford to to pay the car loan in 5 years, (without killing myself and my bank account) than that’s the car for me.

Irwan, thanks for sharing your thoughts with us .

By: Irwan

Irwan — Mon, 15 Jan 2007 07:38:05 +0000

thanks for your time xpressing your thoughts. I really got something to learn from both of you.

I heard my friends said they just study here to get good job in the future. It isn’t a proper niat but I could hardly deny that I do think that way too. Maybe all of us are drawn to a system that education = money but not necessarily = knowledge.

A very interesting notion from Nisa. Vacation = investment in self. I haven’t thought it that way. And maybe I can apply it to my daily gaming session right? haha like dota or something. But not too much.

Both of you point out that excitement that is 20-years-later might not be as valuable as it is today. that’s absolutely true. Time plays important role, especially in this topic. Driving a Merc in 20s is not the same as in 50s, is it?

Just to share an experience, I think me buying an xbox360 is one of the best decision in my life so far. It’s not that I’m childish or over-value what is not important in my life/career. But come to think again, when is another time that you could spend hours in a day having fun with your friends that have the same interest, same age maybe and same maturity. You won’t find yourselves in that situation again after you have a job or after you married. This is the only time when time is never enough but you still spend some of it to play with your friends, having fun and worried about unfinished homework together after that. I think it’s totally worth it.

By: Azrul

Azrul — Mon, 15 Jan 2007 02:59:21 +0000

1) Would you spend USD3000 to travel to Europe , or you would you invest that much of money and travel around the world 20 years later?

Depending on how much money you have now… if you have USD3010 then you should invest it, don’t even think of the vacation… if say you have 30000, you can think about it… if you have 80000 then it’s your heart’s “modest” desire…

20 years later??? The excitement won’t be the same when you are young… may be different kind of excitement but I dare not risk delaying youthful gratifications…

I am 24 and this is the time when young people throng to see the world and find themselves… and AirAsia… How thankful I am to thee:)