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Rakyat Post
6 days ago
- Automotive
- Rakyat Post
[Watch] Should You Take A 5-Year Or 9-Year Car Loan? It's All About Your Spending Habits
Subscribe to our FREE Here's a question that keeps Malaysian car buyers up at night: Should I torture myself with higher monthly payments for five years, or stretch it out to nine and risk paying more interest? Financial expert Faiz Azmi (@financialfaiz) has been fielding this exact question on TikTok, and his answer might surprise you. It's not about the math – it's about knowing yourself. If you're someone who struggles to save money consistently, just go with the 5-year loan, Faiz says bluntly. Where the Math Gets Interesting Pay it off quickly and avoid dragging out your debt. Fair enough. But here's where it gets interesting. For those who can actually stick to a budget and invest the difference, the 9-year option might be the smarter play. Using a top-spec Perodua Bezza as an example, Faiz breaks down the numbers: 5-year loan: RM880 monthly payments 9-year loan: RM584 monthly payments The difference: RM296 every month The RM296 Question That RM296 difference is where things get spicy. Imagine saving that RM296 every month for 9 years, with compound interest working in your favour, Faiz explains. The growth could be substantial. He's not wrong. Even without getting into specific investment returns, that's over RM31,000 in raw savings over the loan period – money that could be working for you instead of sitting in a bank account earning peanuts. Beyond Car Loans: The SSPN Play Faiz also throws in a curveball: Malaysia's National Education Savings Scheme (SSPN). With If you're in the 24% to 25% tax bracket, that RM8,000 deduction saves you about RM2,000 in taxes, he notes. But this strategy only works if you actually invest or save that difference. If you're the type who sees extra money as shopping money, you're better off with the 5-year plan. The Personality-First Approach If you can't control your spending, don't even think about the 9-year option, Faiz warns. Just pay off the debt quickly and avoid the temptation to blow money. The guy's got a point. Financial flexibility is only valuable if you use it wisely. It's refreshingly honest advice in a world full of one-size-fits-all financial tips. Sometimes the best financial strategy is the one that works with your personality, not against it. READ MORE : READ MORE : READ MORE : Share your thoughts with us via TRP's . Get more stories like this to your inbox by signing up for our newsletter.
Time of India
05-07-2025
- Politics
- Time of India
Poetry and politics, in love and war
Representative image Faiz's work endures because its core is humanism A heartbroken teenager, a lecturer in English who was drawn to Marxism, a pioneer of subcontinent's political poetry, a supporter of Iran's Islamic Revolution but not an Islamist, and finally self-exiled in Beirut after General Zia executed Bhutto, Faiz always said it was the early years that shaped the poet in him. Aur bhi dukh hain zamane mein mohabbat ke siva, rahaten aur bhi hain vasl ki rahat ke siva, mujh se pahli si mohabbat mere mehboob na maang (The world has other problems…other comforts than a lover's embrace. So, my love, don't ask I love you like I once did). That's Faiz marrying romance and politics. In 1932, Angarey (Fire), an anthology of mostly feminist short stories, was banned but inspired the Progressive Writers Association, of which Faiz was an integral part. He left the army in 1947 to edit the left-leaning The Pakistan Times, disillusioned by Partition's communal violence – Ye daagh daagh ujala ye shab-gazida sahar, vo intizaar tha jis ka ye vo sahar to nahin (This light stained by darkness is like dawn tainted by dusk. This isn't the dawn we awaited). Arrested in 1951 for the conspiracy to overthrow Pakistan's Liaquat Ali government, he published two books from jail, Dast-e Saba and Zindan Nama. He never gave up on hope: Qafas udaas hai yaaro saba se kuchh to kaho. Kahin to bahr-e-khuda aaj zikr-e-yaar chale (The cage is sad and silent. Say something to the breeze. For god's sake, let's talk about my beloved). On release four years on, he found Pakistan had distanced itself from the Soviets, his inspiration, and aligned with America, which he despised. In 1974 Bangladesh, at Mujibur Rahman's request, he composed, Ham ki thahre ajnabi itni mudaraton ke baad. Phir banenge ashna kitni mulaqaton ke baad (Despite the hospitality, we remain strangers, and who knows how many meetings it will take to become friends again). Once Zia arrested Bhutto, Faiz self-exiled to Beirut as editor of Lotus – a magazine to promote non-Eurocentric Asian and African writing. But Faiz felt uprooted, longing for his people: Mere dil, mere musafir, hua phir se hukm sadir, ki vatan-badar hon hum tum (My heart, my traveller, the order is issued again, we are exiled again). His most popular work, Hum Dekhenge, is a poem of dissent. Some find it anti-Hinduism – it's just as anti-Islam. Inspired by Iran's Islamic revolution, sourced from Quran's Surah al-Waqi'ah – the inevitability of Qayamat (doomsday) – experts are still divided over Hum Dekhenge's message. A literal translation of key lines: 'Idols would be removed from the Kaaba to establish Allah's rule.' But these could also mean: 'Every idol – false gods and tyrants – will be removed from the house of God that is earth.' Faiz was no Islamist but simply charmed by the people's fight to depose the Shah. The poem's climax, Utthega anal haq ka nara, jo mai bhi hu or tum bhi ho. Bus raj karegi khalke khuda jo mai bhi hu or tum bhi ho. Anal haq means 'I am the truth.' In Semitic religions, Islam, Judaism and Christianity, there's strict duality between God and his creation. In contrast, the Sufi anal haq resonates with Advait concept of aham brahmasmi or 'I am one with God'. The poem's message then is that humans are the ultimate truth – divinity is within humanity, hence the divine right to self-rule.
The Sun
12-06-2025
- The Sun
All for her parents: Insp Intan only woman who completes UTK Training Series 1/2025
KUALA LUMPUR: For Inspector Intan, the motivation to endure one of the most gruelling training programmes in the Royal Malaysia Police (PDRM) came from a deeply personal place - her parents. The eldest of five siblings said it is the desire to enable her parents to really enjoy their golden years without worrying about the future of their family that kept her going throughout the physically and mentally demanding Basic Close Protection Security Course Series 1/2025, conducted by the PDRM's elite Special Actions Unit (UTK). 'Every time I feel like giving up, I think of my parents. I believe I can provide for them and allow them to just stay home and enjoy life,' said the 29-year-old officer from Bagan Serai, Perak. Speaking to reporters after the UTK Beret Award Ceremony and the closing of the course at Bukit Aman today, Insp Intan beamed with pride as the only female trainee to complete the four-month elite programme - a milestone proving that women too can withstand the rigours of top-tier police training. The ceremony was officiated by Bukit Aman Internal Security and Public Order Department deputy director (Operations), DCP M.V. Sri Kumar. Insp Intan shared that her interest in joining UTK began after watching a montage of the special unit during basic police training at the Police Training Centre (Pulapol) in March 2024. 'After completing the training at Pulapol, I served as an investigation officer at the Jerantut District Police headquarters for a month before deciding to enrol in this course. I'd be lying if I said I never felt like quitting, but the support and encouragement from my male colleagues helped me push through,' she said. Also among the 36 graduates awarded the prestigious UTK beret were 24-year-old identical twin brothers, Constables Faiz and Farhan, from Bachok, Kelantan. Both of them, of course, credited their achievement to a shared goal and unwavering sibling support. Farhan, who previously served with the Pahang Commercial Crime Investigation Department, said he joined UTK to test his own limits after working for three years as a police driver. 'My twin and I had planned to join the police force since our SPM after three years in service, we decided to take on the UTK challenge,' he said. Faiz added that having his twin brother alongside him during the toughest moments of training kept him going. 'Of course, there were days when I wanted to throw in the towel and just give up, but having my twin right beside me gave me strength again. We supported and motivated each other through everything,' he said. A total of 36 trainees received their UTK berets today, marking their successful completion of the elite training course and formal induction into PDRM's most highly skilled special forces unit.
The Sun
12-06-2025
- The Sun
Insp Intan only woman who completes UTK Training Series 1/2025
KUALA LUMPUR: For Inspector Intan, the motivation to endure one of the most gruelling training programmes in the Royal Malaysia Police (PDRM) came from a deeply personal place - her parents. The eldest of five siblings said it is the desire to enable her parents to really enjoy their golden years without worrying about the future of their family that kept her going throughout the physically and mentally demanding Basic Close Protection Security Course Series 1/2025, conducted by the PDRM's elite Special Actions Unit (UTK). 'Every time I feel like giving up, I think of my parents. I believe I can provide for them and allow them to just stay home and enjoy life,' said the 29-year-old officer from Bagan Serai, Perak. Speaking to reporters after the UTK Beret Award Ceremony and the closing of the course at Bukit Aman today, Insp Intan beamed with pride as the only female trainee to complete the four-month elite programme - a milestone proving that women too can withstand the rigours of top-tier police training. The ceremony was officiated by Bukit Aman Internal Security and Public Order Department deputy director (Operations), DCP M.V. Sri Kumar. Insp Intan shared that her interest in joining UTK began after watching a montage of the special unit during basic police training at the Police Training Centre (Pulapol) in March 2024. 'After completing the training at Pulapol, I served as an investigation officer at the Jerantut District Police headquarters for a month before deciding to enrol in this course. I'd be lying if I said I never felt like quitting, but the support and encouragement from my male colleagues helped me push through,' she said. Also among the 36 graduates awarded the prestigious UTK beret were 24-year-old identical twin brothers, Constables Faiz and Farhan, from Bachok, Kelantan. Both of them, of course, credited their achievement to a shared goal and unwavering sibling support. Farhan, who previously served with the Pahang Commercial Crime Investigation Department, said he joined UTK to test his own limits after working for three years as a police driver. 'My twin and I had planned to join the police force since our SPM after three years in service, we decided to take on the UTK challenge,' he said. Faiz added that having his twin brother alongside him during the toughest moments of training kept him going. 'Of course, there were days when I wanted to throw in the towel and just give up, but having my twin right beside me gave me strength again. We supported and motivated each other through everything,' he said. A total of 36 trainees received their UTK berets today, marking their successful completion of the elite training course and formal induction into PDRM's most highly skilled special forces unit.
The Star
12-06-2025
- The Star
For mum and dad: Insp Intan only woman to complete UTK training series 1/2025
KUALA LUMPUR: For Inspector Intan, the motivation to endure one of the most gruelling training programmes in the Royal Malaysia Police (PDRM) came from a deeply personal place - her parents. The eldest of five siblings said it is the desire to enable her parents to really enjoy their golden years without worrying about the future of their family that kept her going throughout the physically and mentally demanding Basic Close Protection Security Course Series 1/2025, conducted by the PDRM's elite Special Actions Unit (UTK). "Every time I feel like giving up, I think of my parents. I believe I can provide for them and allow them to just stay home and enjoy life,' said the 29-year-old officer from Bagan Serai, Perak. Speaking to reporters after the UTK Beret Award Ceremony and the closing of the course at Bukit Aman today, Insp Intan beamed with pride as the only female trainee to complete the four-month elite programme - a milestone proving that women too can withstand the rigours of top-tier police training. The ceremony was officiated by Bukit Aman Internal Security and Public Order Department deputy director (Operations), Deputy Comm M.V. Sri Kumar. Insp Intan shared that her interest in joining UTK began after watching a montage of the special unit during basic police training at the Police Training Centre (Pulapol) in March 2024. "After completing the training at Pulapol, I served as an investigation officer at the Jerantut police headquarters for a month before deciding to enrol in this course. I'd be lying if I said I never felt like quitting, but the support and encouragement from my male colleagues helped me push through,' she said. Also among the 36 graduates awarded the prestigious UTK beret were 24-year-old identical twin brothers, Constables Faiz and Farhan, from Bachok, Kelantan. Both of them, of course, credited their achievement to a shared goal and unwavering sibling support. Farhan, who previously served with the Pahang Commercial Crime Investigation Department, said he joined UTK to test his own limits after working for three years as a police driver. "My twin and I had planned to join the police force since our SPM after three years in service, we decided to take on the UTK challenge,' he said. Faiz added that having his twin brother alongside him during the toughest moments of training kept him going. "Of course, there were days when I wanted to throw in the towel and just give up, but having my twin right beside me gave me strength again. We supported and motivated each other through everything,' he said. A total of 36 trainees received their UTK berets today, marking their successful completion of the elite training course and formal induction into PDRM's most highly skilled special forces unit.- Bernama
