Saturday, September 24, 2011

Bajet Bijak: Beli kereta

Teliti bajet, kaji semua faktor elak beban

SELEPAS mengenal kebaikan dan keburukan kad kredit pada isu yang lalu, kali ini kita melangkah ke bab baru mengenai pembelian kereta.
Sudah tentu sebaik saja anda mula bekerja, salah satu keputusan penting yang anda akan ambil ialah membeli sebuah kereta. Walaupun kereta adalah kaedah pengangkutan selesa, perlu diketahui bahawa memiliki sebuah kereta bukan setakat membayar ansuran bulanan saja.
Ia juga membabitkan kos lain seperti petrol, bayaran tol, parking, cukai jalan, insuran, kos penyelenggaraan serta kos membaiki apabila kereta anda rosak.

Seandainya anda boleh membayar segala kos yang disebutkan tadi dengan selesa, anda masih perlu tanya diri anda sama ada kereta itu suatu keperluan atau kehendak.

Kereta baru atau kereta terpakai? Apabila kereta adalah keperluan, anda perlu membuat keputusan sama ada ingin membeli kereta baru atau kereta terpakai.

Ramai orang beranggapan bahawa membeli kereta baru adalah lebih baik kerana kos penyelenggaraannya lebih rendah tetapi pada hakikatnya, memiliki kereta baru juga ada kelemahannya.
Ketika memutuskan jenis kereta yang diperlukan, anda hendaklah terlebih dulu menilai kemampuan anda. Jika didapati membeli kereta baru boleh membebankan, belilah kereta terpakai yang masih berkeadaan baik.

Lagipun, kereta hanya sebuah kenderaan yang membawa anda bergerak dari suatu tempat ke tempat yang lain.

Bagaimana membiayai kereta anda? Lazimnya, orang akan membeli kereta dengan menggunakan pinjaman sewa beli. Sewa beli adalah penyewaan barangan dengan pilihan untuk membelinya pada akhir tempoh pinjaman.

Dengan mengambil pinjaman sewa beli, anda akan dikenali sebagai penyewa dan institusi kewangan yang memberi pembiayaan sebagai pemilik kenderaan.

Sebagai penyewa, anda perlu membuat bayaran ansuran berdasarkan terma dan syarat yang sudah dipersetujui di bawah perjanjian sewa beli.

Selepas semua bayaran ansuran dijelaskan, hak milik kereta tersebut akan dipindahkan kepada anda.

INFO: Panduan bijak beli kereta

  • Buat perbandingan untuk mendapatkan kereta yang boleh diharapkan dan memenuhi keperluan anda. Ada baiknya jika meminta nasihat dari ahli keluarga atau sahabat.
  • Jika anda ingin membeli kereta terpakai, dapatkan khidmat mekanik yang boleh dipercayai atau lakukan pemeriksaan PUSPAKOM ke atas kereta berkenaan.
  • Pertimbangkan harga jualan semula atau nilai tukar beli kereta sekiranya anda bercadang untuk menukarnya kelak.
  • Sekiranya anda mengambil keputusan untuk memohon pinjaman kereta, cari pakej terbaik berdasarkan kemampuan anda. Dapatkan maklumat mengenai kadar faedah efektif yang akan dikenakan.
  • Rangka bajet mengikut pendapatan anda. Ambil kira ansuran bulanan kereta dan lain-lain kos seperti kos petrol, bayaran tol, parking, perbelanjaan lain termasuk cukai jalan, insurans dan servis biasa.
  • Cuba tingkatkan tabungan untuk bayaran pendahuluan supaya pinjaman yang diambil lebih rendah dengan tempoh pembayaran yang lebih singkat. Perlu diingat bahawa semakin panjang tempoh pinjaman, semakin banyak faedah yang anda perlu bayar.
  • Jangan gunakan kad kredit untuk membuat bayaran pendahuluan kerana anda akan terikat dengan pinjaman pada kadar faedah yang sangat tinggi.
  • Bersedia untuk menanggung perbelanjaan di luar dugaan seperti membaiki kereta sekiranya berlaku kerosakan atau kemalangan. Ada baiknya untuk mengetahui mengenai kemudahan mendapat alat ganti serta kos untuk menggantikannya.
  • Pastikan kereta anda mempunyai perlindungan insurans komprehensif yang mencukupi atau sekurang-kurangnya mempunyai perlindungan insurans pihak ketiga.
  • Monday, September 19, 2011

    Tips tayar Kereta

    MAINTAIN PROPER INFLATION PRESSURE IN YOUR TIRES.

    Proper inflation pressure is necessary for optimum tire performance, safety and best fuel economy. To maintain proper inflation pressure, frequently check tires (when they are cool) with an accurate tire pressure gauge. For example, it is difficult to tell just by looking at radial tires whether they are under inflated.
    • Evidence of air loss or repeated under inflation requires tire removal and expert inspection.
    Always maintain inflation pressure at the level recommended by the vehicle manufacturer as shown on the vehicle placard or in the Owner's Manual. Higher inflation pressure increases stiffness which may deteriorate ride and generate unwanted vibration.

    Tire footprint and traction are reduced when van, pickup or RV tires are over inflated for the loads carried. In particular, tires with aggressive tread patterns may contribute to oversteer or "roadwalk" if inflated beyond the inflation pressure specified in the Owner's Manual and vehicle placard for standard or customary loads. Over inflation also increases the chances of bruise damage.

    Under inflation is the most common cause of failures in any kind of tire and may result in severe cracking, component separation or "blowout," with unexpected loss of vehicle control and accident. Under inflation increases sidewall flexing and rolling resistance resulting in heat and mechanical damage.

    Furthermore, when operating a vehicle equipped with radial tires, it is difficult to notice when a tire has gone flat or near flat since the "feel" of the vehicle does not change significantly.

    A tire is a pneumatic system, which supports a vehicle's load. It does this by using a compressed gas (usually air) inside to create tension in the carcass plies. It is important to realize that a tire carcass has a high-tension strength, but has little or no compression strength. It is the air pressure that creates tension in the carcass and allows the tire to function as a load-carrying device. That's why inflation is so important. In an inflated, but unloaded tire, the cords pull equally on the bead wire all around the tire. When a tire is loaded, the tension in the cords between the rim and the ground is balanced or relieved. The tension in other cords is not changed. Therefore, the cords opposite the ground pull upwards on the bead. This is the mechanism that transmits the pressure from the ground to the rim.

    In addition, a tire must transmit handling (acceleration, braking, cornering) to the road. Cornering forces are transmitted to the rim in a similar manner to load. Acceleration and braking forces rely on the friction between the rim and the bead. Inflation pressure also supplies the clamping force, which creates friction.
    A tire also acts as a spring between the rim and the road. This spring characteristic is very important to the vehicle's ride.

    Too high an inflation pressure causes the tire to transmit shock loads to the suspension and reduces a tire's ability to withstand road impacts.

    Too low an inflation pressure reduces a tire's ability to support the vehicle's load and transmit cornering, braking and acceleration forces.

    Finding the optimum inflation pressure requires extensive engineering efforts on the part of tire and vehicle manufacturers.

    Under-inflation can cause many tire-related problems. Because a tire's load capacity is largely determined by its inflation pressure, under-inflation results in an overloaded tire. An under-inflated tire operates at high deflection, resulting in decreased fuel economy, sluggish handling and may result in excessive mechanical flexing and heat buildup leading to catastrophic tire failure.

    Correct inflation is especially significant to the endurance and performance of radial performance tires. For example, because of a performance radial's aspect ratio and design, it may not be possible to look at a radial tire and actually see under-inflation of 5 psi. However, under-inflation of 5 psi can reduce a performance tire's tread life by 25%. A typical tire may also lose 1 to 2 psi a month, if not checked and adjusted.

    Temperature Effects: Air pressure is affected by temperature. The air under pressure in a tire is no exception. Typically, an inflation pressure can change by 1 psi for every 10 degrees Fahrenheit of temperature change. Higher temperature means increased pressure.

    For example, if a tire is inflated to 35 psi on an 80-degree July day, it could have an inflation pressure of 23 psi on a 20-degree day 6 months later in January. This represents a normal loss of 6 psi over the six months and an additional loss of 6 psi due to the 60-degree temperature change. At 23 psi, this tire is severely under-inflated.

    SAFETY Note: For safety and vehicle performance, Dunlop recommends that tire inflation pressure be checked at least once each week and as often as possible when tires are cold (ambient air temperature and if the vehicle has not been driven for several hours.) Repeat or excessive inflation loss (more than 2 psi); visible damage such as knots, bulges, punctures, cuts, cracks, irregular wear; experiencing impacts, vibration or pulling; all require removal, expert inspection of tire and rim to determine reparability, or the need for replacement. Damaged tires may fail suddenly or burst upon re-inflation, resulting in serious injury.

    Tuesday, September 13, 2011

    Lepas Geram!!

    Aduhai...arini dah hari selasa eh? Selalu sangat orang update2 status Facebook pasal Monday blues la, ape la..pastu komplen2 xde mood untuk keje..

    So untuk mereka yg geram kat hari Isnin, aku tujukan lagu ni korang ye..layannn~~~
    P/S: harini Selasa yer...hehehe..

    Wednesday, September 7, 2011

    Putra Suria Apartment Vs Seri Puteri Kondominium

    Atas permintaan ramai, especially pembeli2 pangsapuri yang dibangunkan oleh Amber Resources sekalian, dengan ikhlasnye den update ape status projek2 yg sedang dikendalikan..walaubagaimanapon, sebahagian data mungkin terpaksa di sensored kan atas budi bicara pemilik blog..muahaha..

    Ala, ape nak riso...xde rugi pon kome beli projek ni..dah la rumah depan LRT..ada kedai 99 Speedmart pulak tu..aku yg gigih nak menjayakan projek ni pon menyesal sebab x beli rumah2 ni..bengong betol..hahaha...

    So agaknye dah sampai mana la status projek ni?aku mula dengan Putra Suri Residensi dulu la kot? Bawah ni aku letak je gambar2 yg ada..bak kata orang, sekeping gambar menceritakan 1000 jenis kisah...layan je..dah macam pengulas Buku sastera pulak den ni..ahaks..

    Block A..x lama lagi nak bawak turun dah kain hijau tu..cat dah siap!

    Block B...dah cabut kain hijau tu..sapa2 yg beli blok B?haa...x lama dah tu nak amik kunci..haha

    Bumbung pon dah dipasang dengan smart sekali..
    Parking Lot under construction at Block A

    Anyway how about Seri Puteri? Untuk makluman, ada unsur2 teknikal yg agak susah untuk diterjemahkan bagi projek ni..keadaan tanahnya yg terdiri daripada batu kapur berkaviti menyebabkan sedikit masa telah diambil untuk merawat keadaan ini..Keadaan adalah terkawal kerana kami memang memiliki jurutera2 pakar untuk menyetelkan ape juga masalah yg tiba..

    mesti ramai pembeli nak sangat tinjau ape la yg kontraktor ni buat disebalik pagar zink biru ni kan?hehehe..

    Projek ni agak menarik bagi den sebab ni 1st time buat bangunan setinggi 22 tingkat..walopon dulu penah gak terpacak kat Level 33 pavillion KL, tapi tu projek kawan..xde rasa bangga berbanding dengan projek yg dibuat sendiri..

    So far kerja2 underground dah 98% complete..now nak mengorak langkah buat parking lot setinggi 3 tingkat before rumah2 kalian yg bermula dengan Level 4 dibina..our target is about 2 level disiapkan dalam masa sebulan..laju ke x agaknye?hehehe..

    Papepon layan je la dulu sebahagian photo yg aku rasa nak share ngan korang sume wokey!
    Cerucuk yg menjadi kaki kepada sesebuah bangunan.
    Ground floor slab

    Ground floor beam

    Ground floor column

    Besi2 ni la yg akan mengukuhkan lantai sesebuah bangunan tau x?hehehe..
    Amacam? mesti x puas tengok..nak lagi gambar?bayar la..haha..ok lah..aku nak pegi minum2 petang jap..haus tekak panas2 nih..kulit pon dah gelap..buruk la gambar kawen den nanti..arghhhh!!

    P/S: belilah aset seperti rumah..bukannya melabur untuk liabiliti (kereta)...renung2kan..