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Message: <blockquote data-quote="5series" data-source="post: 162346" data-attributes="member: 376">If I may say, RM12k nett pay is not that much in today's world (niether is a small amount). However, an average Senior Manager in KL is earning that figure or could be even higher. Since you have just got married, my suggestion to you is to take a "careful" steps in planning your expenses. I personally have been thru' your stage & this is my advise. For any investment that can appreciate in value, you can buy it thru HP. However, any investment that could eventually depreciate in value (like cars), try to buy it in CASH. Just do a simple calculation, a house that cost RM200k now, may cost RM2mil in next 20-30 years. Whereas, RM200k car may not be existence by then??? Other reasons to buy the car in CASH.1) No need to pay bank interest (that could come up to be a huge in amount if you take a BIG loan)2) Can go for 3rd party insurance (only around RM100 insteaf of thousands)3) No worries about monthly installment (no need to visit bank every month)4) No further commitment after your purchase (can cash out your money anytime if needed be...)5) Better bargaining power when you purchase the car (at least an instant discount from 10-20%) Just take a short calculation & you will know what I mean. So, if I will you, I will go for e39. That's a great car (as far as I m concern!) and yet is not burning any hole in your pocket. You can own an e39 from range of RM90k - RM130k, up to your choice & you are still look "handsomely" with that car. Moreover, no need to worry about "car theft" and "kidnap". What says you??</blockquote>

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