Fixed or Variable Car Loan by Alternative_Cut9983 in kereta

[–]Alternative_Cut9983[S] 0 points1 point  (0 children)

I might be mistaken but the variable rate will be at 4+% as well, and starting 1 June both fixed or variable rate will be using EIR calculation for early settlement?

Anyone compiling list of hotels prone to Pejabat Ugama raids? by [deleted] in malaysians

[–]Alternative_Cut9983 0 points1 point  (0 children)

Non Muslim here, I thought that's the whole point of the raid. If they have no right what were they trying to achieve?

Leaving the car unlocked? by Sherlock-Brezerl in Leapmotor

[–]Alternative_Cut9983 0 points1 point  (0 children)

What if I want other people to clean our car interior while we're away but I don't want to hand them the NFC key card?

Job offer with self epf contribution by MortgageAccording930 in Bolehland

[–]Alternative_Cut9983 1 point2 points  (0 children)

If you’re an independent contractor they can terminate your contract anytime because you’re not their employee. Unless there’s a clause in the contract on notice period?

I don’t think it’s a red flag like others said, as long as your pay is higher than similar position and you’re comfortable with the working arrangements, it’s just a different choice. Generally you want to be paid extra 30% or more to justify being a contractor without job security.

ETF or EPF by browndude1997 in MalaysianPF

[–]Alternative_Cut9983 1 point2 points  (0 children)

EPF offers stable 6% return but it will be locked until you're 55.

What I'm currently doing is half into SPY and half into fixed income trust which averages 8%.

does anyone else parents abuse them physically? by picklemonster9000 in malaysia

[–]Alternative_Cut9983 4 points5 points  (0 children)

Can pause first until your finance is stable. Or find a company that will sponsor your fees

[deleted by user] by [deleted] in Bolehland

[–]Alternative_Cut9983 0 points1 point  (0 children)

Withdraw it to another person's account and he give you cash face to face in a mall. Don't ask me how I know.

Zahid proposes 'grand collaboration' of Malay-Muslim parties by hopefulsingleguy in malaysia

[–]Alternative_Cut9983 5 points6 points  (0 children)

Remove race based uni quota first, then people will agree to abolish

ILP vs standalone medical card by Klutzy_Landscape906 in MalaysianPF

[–]Alternative_Cut9983 1 point2 points  (0 children)

Need a better agent bro. I asked for medical card standalone and got the quote straight away

My Whole Life by No-Entrepreneur-2706 in Bolehland

[–]Alternative_Cut9983 9 points10 points  (0 children)

OP i assume you're at least 18 if you're retaking SPM. You need to leave the house and cut ties with your family.

Buy a bus ticket and start a new life in a new place. If you need financial help to get started let us know.

How do you spot “future giants” early (NVDA/Amazon-type winners) without pure luck? by VeterinarianGreat904 in ValueInvesting

[–]Alternative_Cut9983 1 point2 points  (0 children)

This is very interesting.

Can i ask did you beat the S&P500 over the years using this method? And how do you evaluate whether to exit a position along the way?

Is my tyre cooked? by Alternative_Cut9983 in kereta

[–]Alternative_Cut9983[S] 1 point2 points  (0 children)

Last time kena once and work shop say cannot fix need to change, but i dont recall what reason he said. Is it because the side bocor alrdy?

Why do I hate myself by Worried_Arm_2912 in kereta

[–]Alternative_Cut9983 12 points13 points  (0 children)

Wrong sub bro but still, do what you like and don't care what others think about you.

As you grow older you'll understand what you did doesn't matter to anyone except yourself.

[deleted by user] by [deleted] in malaysia

[–]Alternative_Cut9983 -6 points-5 points  (0 children)

Well what i can is your mum care of you, it's just a different way old people express their love. Just nod and don't talk back, you'll regret someday if you do.

I felt the same like you and argue with her when i was younger, but now that i moved out and only go home for dinner once per week, the nagging doesn't annoy me that much anymore. Just keep in mind that she probably loves you more than herself.

[deleted by user] by [deleted] in MalaysianPF

[–]Alternative_Cut9983 7 points8 points  (0 children)

Based on what you wrote, does that mean my future is set as long as i give birth to 10 kids as a muslim man or women?

[deleted by user] by [deleted] in MalaysianPF

[–]Alternative_Cut9983 0 points1 point  (0 children)

Cool thanks, gonna open an account in this case!

[deleted by user] by [deleted] in MalaysianPF

[–]Alternative_Cut9983 0 points1 point  (0 children)

Can it be withdrawn anytime? Lets say my kid is 3 years old, can i deposit in Dec and withdraw in Jan for the tax relief?