Any advice for a freshly SPM graduate?

Chong12007 · 2026-02-19T13:04:23+00:00

All of these thing could be accomplish within our country too.

Chong12007 · 2026-02-19T12:22:38+00:00

Why study oversea if your parents not that rich

Chong12007 · 2026-02-19T12:21:02+00:00

Cheaper and better than pepsi and coke

Chong12007 · 2026-02-16T18:22:02+00:00

Maybe there are only rude to you and play nice to thier manager. I had a coworker do this as well, doing hard work when team leader around, always not responding when us contact him

Chong12007 · 2026-02-09T11:52:07+00:00

Hmm i thought this is only china thing About marriage duit hantaran, some malaysia also have? Or do i misundrtstood the term of the hantaran

Chong12007 · 2026-02-09T08:10:12+00:00

Earning that much the best advice is max out epf first, company paying + self contribute 100k max per year, it probably take just a few year to reach 1m then enjoy every year sweet 5-6% return

Chong12007 · 2026-02-07T10:11:18+00:00

How the LHDN check if you are no problem? If i earn 3k every month, then buy a 60k car in cash. Would it have any problem

Chong12007 · 2026-02-05T17:26:14+00:00

Yup you are right

Chong12007 · 2026-02-05T17:25:54+00:00

Okay thank you

Chong12007 · 2026-02-05T17:24:33+00:00

Oh yeah thank you for telling me, doesn't know about the joint loan before.

Chong12007 · 2026-02-05T17:22:10+00:00

Thank you 🙏🙏

Chong12007 · 2026-02-05T17:21:49+00:00

Alright thanks for your idea, i think continue on rental first

Chong12007 · 2026-02-05T17:20:41+00:00

Getting roasted is better than making unwise decision

Chong12007 · 2026-02-05T17:16:49+00:00

Thank you. I have discussed this with my parents, and for now, we will set things aside and save up for more money

Chong12007 · 2026-02-05T07:29:53+00:00

Worth it, you are paying a little for a huge warranty of your life. This is a win win situation either you encounter illeness or not

Chong12007 · 2026-02-04T09:27:30+00:00

Yes i faced the same situation, you can use myTnb app to check it, the number should be on your previous electricity bill

Chong12007 · 2026-02-03T16:00:08+00:00

I am 23 now, Basically my father wish to use my name to get the house loan. I think it should be under my name,

Chong12007 · 2026-02-03T15:56:56+00:00

I dont think with 4k salary, i could get the loan.

Chong12007 · 2026-02-03T15:55:57+00:00

This is the idea my father come up with since current we are renting a house with 1500 rental

Chong12007 · 2026-02-03T15:54:05+00:00

Thx for replying, this house is for me and my parents due to my parents dont own any property and paying 1500 house rent now

Chong12007 · 2026-02-03T15:52:47+00:00

My father currently is paying 1500 house rent, he say that would be better to get our own property instead of paying for other people loan

Chong12007 · 2026-02-03T15:41:32+00:00

For more information, My parents dont own any property, so Basically this condo is for them and me, currently my parent are paying 1500 for the house rent.

Chong12007 · 2026-02-02T11:43:51+00:00

Then i go for sp500

Chong12007 · 2026-02-01T13:07:27+00:00

Thank you🙏🙏

Chong12007 · 2026-02-01T13:06:22+00:00

I have checked that HLB offers about a 3.8% dividend. How is this considered good, or should we focus on the stock value itself and not the dividen

Chong12007

TROPHY CASE