(린) لين

Ash-Sharh, 94:5-6

[(린) لين @alin_adon]

Island hunting, Krabi Thailand 🇹🇭.
1. Bamboo island
2. Phi Ley Bay
3. Viking cave
4. Monkey bay
5. Phi phi don
6. Lohsamah bay
7. Ao phra nang beach
8. Railay beach (plankton)

[(린) لين @alin_adon]

@imnazrinahmad @Marchfoward Faizal tu kan

[(린) لين @alin_adon]

Now ditahap nak resign tapi tak mampu nak resign 🖐🏻😆

[S. @sarramonez]

I nak bagi POV as an engineer myself. Titik terendah i as a wife is when i balik lambat. Pernah balik sampai pukul 10 malam baru nak keluar dari building. Sampai rumah, husband tunggu siap masak. I nangis i minta maaf sebab i yang sepatutnya cook for him. Pastu “i nak resign” 😭

[Wilson is Running 🇲🇾 @wilsonyimby]

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.

[Introvert @Introvert_hu_ji]

Finally bro solved the problem 🙂

[Demetrius Remmiegius 🇰🇪 @DemetriusRO6]

US and Israel struck first.

Killed Khamenei.

Over a thousand dead.

Iran fired back.

Now every headline is about Iranian aggression.

They did this with Iraq too.

America is a house full of propaganda.

[(린) لين @alin_adon]

Idk setiap kali rewind video clip almarhum saddam hussein mesti bergenang 🥺

[Aysha @notayshafr]

imagine being told all your life that "Shias are Kafirs", and now you see Iran is the only country fighting against the enemies of Islam💔

[Elira 🌘 Waiting for Tartaglia 🦊 @EliraEclipse]

Muslims always gets the stereotypical terrorist bomber jokes just because of 9/11, yet Americans can bomb countries every year but somehow they're not the terrorists? Somehow they're not the monsters? Okay.

[Mohamad Safa @mhdksafa]

Imagine if Iran bombed Washington and killed students in schools, what would you call it? Terrorists

The U.S. and Israel bombed Tehran and killed students in schools. Why do you call it a "pre-emptive strike"?

Bombing a school is a war crime under international humanitarian law

[Ar-Ruzzi @ar_ruzzi]

RAMALAN: Perang US+Israel vs Iran akan meleret hingga selewat Jan 2028 dgn Iran memenanginya dgn bantuan Rusia/China. Israel lenyap, Baitul Maqdis dibebaskan dan dikuasai oleh pengaruh Iran (sama ada melalui negara proksi atau terus menjadi wilayah Iran yang berpusat di Tehran).

[Pistachio 🇮🇷 🇵🇸 @HarleyShah]

Iran has not attacked a country unprovoked in it's 5000 year old history. Israel has attacked six in one year. Who is the threat here?

[Shoayb Khan @ShoaybKhan]

Praying for Tel Aviv 🤲
May the bombs never misses the target. 🤲
May the fire burns way more brighter 🤲
May the zionists find their death delayed in pain and agony 🤲

In the name of same one true God; Allah that Moses, Abraham, Jesus and Muhammad (peace be upon them) bowed down to, on the behalf of all world; we pray the deepest fiery depths of hell awaits you.

Amen.

[Ustaz Wadi Annuar @ustazwadiannuar]

Dajjal akan muncul dari arah Khurasan.
Dia akan disambut oleh 70,000 pengikutnya daripada kalangan Yahudi Isfahan, Iran.

Fitnah akhir zaman pasti akan berlaku.
Itulah janji Nabi ﷺ yang benar.

Jangan tinggalkan Surah al-Kahfi. Semoga kita semua berada dalam lindungan Allah.

[(린) لين @alin_adon]

Bulan puasa ni marilah kita doa Netanyahu ni mati dalam keadaan sehina-hinanya 🤲🏻.

[Mimie Rahman | Counsellor @mimierhmn]

AI perlu ada data centre, macam komputer. Data centre ni runs on yang perisian yang guna semiconductor secara pukal. Untuk perisian ni function, dia guna banyak air.

Masalahnya, lagi banyak kita guna, lagi banyak air digunakan. Bila banyak air digunakan, ada tempat yang ada problem air macam di US. Walaupun air tu kena cycle, still kena topup dia juga.

Perisian ni juga boleh buat PFAs pollution . Pollution ni sangat bahaya, boleh menyebabkan kanser.

Lagipun, lagi banyak kita guna, lagi panas bumi sebab generator turbin kena run 24/7, macam compressor aircond.

Nak guna AI ni boleh, tapi bila perlu

P/s sebelum orang attack I, I was working in a semicond company 10 years back, my background is materials sc & engineering sebelum shift to mental health

[JOKER 🔺 @tjerealjoker]

Korang kalo kena scam dan SUDAH transfer duit.. apa nak buat?

Call 997 - National Scam Response Centre.
Call dalam masa 30minit selepas kena scam.
They will block the transfer.
They will get your money back.

Salute Fahmi‼️

[Irfan_newboys🇲🇾🇵🇸🏳️🏴 @Marchfoward]

AL FATIHAH

Pada Jam 4.45 Pagi tadi waktu Malaysia

Seorang rakyat Palestin bernama Qusay Maher Halayqa berusia 28 Tahun terbunuh ditembak IDF di Pusat Pemeriksaan Al Anfaq terletak di Baitul Maqdis dan Bethelem Tebing Barat

IDF menembak Qusay atas alasan dia cuba menikam penduduk haram Israel. Jenazahnya turut dicuri oleh IDF

[ًِ @bckupacc99]

🥺

[AmyLouWho @perseverare1776]

Move over Legos there’s a new kid in town…

I seriously want to build