How to get your first car for free

Hello folks!

It has been a while since my last entry and tell you what, writing is so not my cup of tea especially when writing in a language that I only use 30% of the time. So, bear with me and read this entry till the last line before you switch to the other tab on your Firefox browser or may be your Safari or anything other than IE.

I came across this book by a guy who claimed he has a method on getting a car for free. Well, the one thing that will surely comes to your sane mind is that nothing in this world is actually free. You will have to bear the cost for everything you want to have - includes your time, energy and some money - in the end how much yield you get is the question.

Here is the step:

1. Get a cheap and cheerful car for less than RM5000 in cash.

Yes surely you can, but I don't know what kind of car. Imagine we are all living in the realm of the author who proposed this idea where there is such a used car.

2. Get yourself insured and make sure you gain your No Claim Discounts (NCD) year to year.

The tip is, don't involve in any accident. If you do, don't claim from your insurer but claim from your spouse.

3. After five years, get yourself a new car with annual insurance premium of RM3000

Remember, there is such car. Get yourself a Honda Accord for example(cheapest premium is RM3849). At this point, you are not actually paying full amount for the insurance premium because you have gained your NCD. After five years, your NCD is already reaching 50%. So, you are only paying RM1500 for your insurance.

4. After another five years, then only you get your first car for free.

Applying the 50% discount to your new car's premium, you will save RM1500 x 5 = RM7500! The cost of your first car is RM5000, plus minus all the costs which would incur to you, surely the total cost is almost 7 - 8 thousand.


I've warned you, yes if seems free, but it takes you ten years and a bit of your savings initially. If you feels like all the figures are not making any sense, just ignore it. My purpose is to make a point on how is it possible. I believe the original author does so.

Good value for money - Coffee Bun

Coffee bun or sometimes called as Mexican bun is a bun with butter filling and topped with crispy brownish coffee flavored topping. I never heard of it before as I was just returned to Malaysia four months ago until the night me and my family had dinner together in one of the restaurants in Summit USJ. My wife bought three pieces of coffee bun from Pappa Roti outlet in front of the restaurant at RM2 per bun.

At that point, I felt like the bun was very worth it as it opens up my appetite and I had a good feeling about it. Several weeks later, I came across with the same bun in Tesco Ampang but priced with RM1. I thought coffee bun is a signature bakery product of Pappa Roti but clearly I was wrong. I bought three of them - the bun did not taste as coffee-ish as Pappa Roti.

Then began the journey to search for another competitively priced bun.

I have a colleague who works in the same building but different office, who always car pool with me. One day, he offered me one of the bread he bought from Rotiboy. Thumbs up as the bun tasted very good (same taste same price as Pappa Roti).

One night, when we were out shopping for grocery at Mydin USJ, I asked my wife, "Is there any Pappa Roti here?". She didn't know so I went searching for it, and guess what, there is one! But it is called Roti Papa. I asked the lady "Akak, ada roti kopi tak?" ("Excuse me, do you have coffee bun?"). She opened the oven situated just behind her in the small kiosk and gave me two pieces. It is RM2 each and they call it cappuccino bun. It tastes fair but we were not happy with the price.

The journey doesn't ends there.

I decided to search for the bun in La Boheme. The sells coffee lady at RM1.50 and I was very happy for it. Poor thing, the price says it all. The bun was too light like it did not have any fillings, and weak coffee taste. So, red tape for coffee lady.

Heard of Federal Bakery? They said they are established like since 70 years ago. OK, forget about history. So, I tried one and A++ for it. Good taste, crispy outside, great butter fillings inside and it is RM1.50 =) i smiled all the way. Finally I found one good value for money coffee bun.

If you feels like getting more value for your money, why not try bake them? Get the recipe here: http://www.myresipi.com/top/detail/830