mashle

beef

[mashle @apizkato]

ni pendapat aku lah (dipersilakan buang dalam tong sampah)

tak bagi geng diorang ni bekerja might be a mistake. bila diorang tak bekerja, the only thing yg diorang boleh buat is meminta or crime. diorang still kena makan.

bila dah biasa meminta, no wonder boleh jadi entitled

[SejaFi 🇲🇾 #NearSingapore 🇵🇸 #FreeOrPartition @sjfi_twider]

What I say may offend (or maybe liked??) by both Anti-Rohingya and Pro-Rohingya.

The reason why Malaysians or Malays kinda ok with Palestinian but not with Rohingya, because both had different perspective on "support".

Malays/ian see support as a "pom pom girl" while...

[mashle @apizkato]

well either way the one who benefits are either bumis or non bumis elite.

takde kena mengena ngan average bumis or non bumis

[Bitcoin Malaya @bitcoinmalaya]

Do you understand what did PH and Madani do here?

To buy a very expensive property (>RM20 million), your company must now have at least 50% Bumiputera ownership.

It used to be 30%, but PH and Madani just increased to 50% in November 2025.

The policy does not specify any work, cash investment, skills required from the Bumiputera side, just owning the shares on paper.

As a result, a non-Bumiputera investor or foreign buyers need to bring a Bumiputera in as 50% partner and tick the equity box.

So, the question is, who will actually benefit from this stricter ethnic quota on paper?

Usually well-connected elite Bumiputera, e.g. politicians’ families, ex-officials, insiders etc

Not average Bumiputera working in cities or mak cik at kampung, unfortunately......

Hence LGE is asking Anwar to roll back the 50% rule

[mashle @apizkato]

apa benda ek orang tak reti menyabor ni. bangang betul perangai

[MYNEWSHUB @mynewshub]

Tengok tu...depan sekolah...terang-terang merah....siap ada warden trafik pun...dia masih nak laju dan langgar lampu isyarat.......

Driver camni sepatutnya dicampak masuk penjara terus kalau boleh....

[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.

[mashle @apizkato]

okay jom main putar belit logik nak bagi merokok halal pulak. siapa kata fatwa tak boleh beli.

[CodeBlue @codebluenews]

The FT Mufti’s Office says it’s looking at the role of productive fatwas for “Shariah-compliant” alternatives to conventional cigarettes, after receiving a visit from Philip Morris Malaysia. Currently, smoking (including e-cigarettes) is considered haram.
https://t.co/4SaaqsmseL

[mashle @apizkato]

laaaaa melayu jer ke yang drive kereta? bangsa lain naik kereta kuda ke apa?

takkan sampai macam ni bodohnya

[Syed Jaymal Zahiid🌹 @SyedJymalZahiid]

Kerajaan: Subsidi RON95 mungkin naik ke RM2 billion SEBULAN.

Melayu: pandu 13km to have ‘buttercream’ latte with friends, kemudian 10km lagi for iftar.

The oil price shock should be a wake up call - attitude shaped by decades of cheap petrol addiction makes us too vulnerable

[mashle @apizkato]

but nothing is not negative

[s mommy @thecavemommy]

I’ve literally had math geniuses try to explain to me how a negative times a negative equals a positive, and I still don’t get it

It doesn’t. If you have nothing, and then more nothing, you don’t have something. You have nothing

Math is a psyop!

[mashle @apizkato]

baru 4 view siak, cepat betul dia perasan ek

[Fahmi Reza @kuasasiswa]

Luckily, unlike the US, Malaysia has strict gun laws

[mashle @apizkato]

yuji are getting gojo treatment

[mashle @apizkato]

hal halal haram bank islam kita kena ikut pakar

your pakar :

[FreeMalaysian @FreeMsian]

Orang yang sama ke? Tanya je. Jangan marah. Boleh @BNM_official confirm kan?

[mashle @apizkato]

malulah sembang support Palestine tapi gi kutuk post ni.

lepas ni tak yah acah macam kisah sangat pasal palestin, sumud flotilla ke apebenda.

dah la haritu ramai kecam uae, last² sama jer perangai

tak malu betul ek perangai

[Dr. Ghada Sasa, PhD 🇵🇸 @drghadasasa]

We Palestinians will never forget that while Trump and Netanyahu launched a livestreamed Holocaust against us, Muslims literally danced for them, from the UAE to Malaysia. Laughed at our mass death and brutal oppression.

[mashle @apizkato]

sepatutnya tulis bayaran riba yang makin membesar.

baru rasa negara tengah berperang dengan Allah

[Rafizi Ramli @rafiziramli]

Perbelanjaan paling toksik dalam belanjawan bukan projek baharu, tapi bayaran faedah yang makin membesar. Tahun depan, jumlah faedah naik lagi dan bahagiannya dalam belanja mengurus menelan ruang untuk bantu rakyat.

Ringkasnya: bila belanja naik, lebih banyak mengalir kepada bank, kurang yang sampai ke poket rakyat.

Lebih mengejutkan, faedah hutang kini mengatasi bantuan & subsidi.

Dan kita pula berada terlalu hampir dengan had hutang negara. Soalannya mudah: sampai bila penjimatan lain hendak ditelan "interest"?

Tonton ucapan perbahasan penuh saya di sini — https://t.co/iDhwsR2GCd

[mashle @apizkato]

"tak ada agama dalam dunia ni yang ajar benda jahat"

sorry jews exist

[shay the yapper 🦭🧡 @shayisapotato]

susah sangat ke nak faham that someone can be non-muslim and still a decent human being? tak ada agama dalam dunia ni yang ajar benda jahat — semua ajar nilai baik. as offensive it is to pray for a muslim to convert, it’s just as offensive to people of other faiths too.

[mashle @apizkato]

maksudnya kita akan mati bila bahagian rezeki kita telah kita terima sepenuhnya

tak kurang tak lebih

[Tony Montana @9mm_Scropion]

If we don’t stop them, our grandkids will have to watch hollywood movies about the 6 million killed on Oct 7th.

[mashle @apizkato]

jews start both ww1 and ww2.

you are stupid to believe any jews narrative

[Brandon Taylor Moore @LetsGoBrando45]

The first jew started WW2.

The second jew is trying to start WW3.

Thought you should know. 👍

[mashle @apizkato]

unpopular opinion,

hitler is not the villain in ww2. the narrative that he is the bad one is joos narrative.

Dan aku memang tak akan percaya apa² yg datang dari joos

percaya dia villain, macam percaya hamas is the villain dalam konteks sekarang. sebab tu narrative joos buat.

[mashle @apizkato]

jual beli apa kejadah kalau harga ikut opr. seronok sangat ka tipu tuhan

[۟ @twitmarhaen]

Sebelum korang nak buat loan beli rumah, make sure korang ambil under “Islamic Home Financing”. Hari ni baru min tahu macam ni rupanya konsep dia, bukan ada unsur riba seperti yang dikhabar2-kan.

Credits: Asri Ahmad

[mashle @apizkato]

tak nak lah jadi hater, tapi kenapa india???

[unusual_whales @unusual_whales]

Aging Japan is tripling its investments to $6.8 billion a year in a bid to get India’s younger workers, per WaPo