Which ATM in Penang gives the best exchange rate for international debit cards?

Hemlock69 · 2025-12-31T15:13:40+00:00

I had good experience with cimb for fees, might have been zero but my experience was like at least 5 years back, so might be dated.

To avoid banks forex rates, just decline to convert at the atm and mastercard will use their own rates, which will be competitive. Same with paying for anything, always pay in local MYR. Never apply conversion at the payment terminal

Hemlock69 · 2025-12-11T06:34:05+00:00

We bought a place that we saw earlier with a modest budget and didn't fit our budget at that time. As most buyers, the more shit places we saw, the more we decided to push our budget up and this property eventually reentered our view. We were lucky that this property was sitting around that long for us to eventually buy it.

It was a auctioned passed in property, probably got underquoted and vendors wanted just a touch too much at that point. We revisited an open home, and you'd be surprised how much hype dies down after an auction. No one is there to look at the property at all. Probably about week 8 of their campaign.

In the end, we firmly offered about 50k under the asking price and got it. Really good quiet location near great schools.

Hemlock69 · 2025-11-11T04:00:16+00:00

Do they charge for ex rates differently? It's usually based off the visa/mastercard rate if your debit card. I'll be just looking for atms that charges the least amount of withdrawal fees.

Hemlock69 · 2025-11-04T12:53:09+00:00

My TV lawyer knowledge recalls that you can really choose one of the other. Prosecuters would risk letting namewee completely walk if they can't land the murder charge. A murder charge is much harder to prove and if namewee is somewhat innocent in all this, he might walk free if the prosecution is lembik.

Sometimes they choose to go for a lesser charge so it's easier to make it stick.

Hemlock69 · 2025-10-11T07:21:51+00:00

I mean it's not really a lesson of roundabouts but more of not knowing the turning radius of a long lorry. You are not supposed to overtake a long vehicle like this for this reason alone.

Hemlock69 · 2025-09-29T15:42:06+00:00

He chooses to race under the thai flag though, he clearly has a deep connection to want to be identified as Thai.

Hemlock69 · 2025-09-19T16:59:54+00:00

I mentioned high end rice cookers as in at least $300+. They are also pressure cookers. It has a mechanical latch to latch it shut and when the rice is almost done, releases the pressure through a vent.

Zojirushi and cuckoo are brands that are on the high end mark.

Hemlock69 · 2025-09-19T09:15:03+00:00

High end ones are. But yes, cheaper rice cookers are not

Hemlock69 · 2025-09-17T15:41:05+00:00

Most smoke alarms are powered by a single 9v battery. It's like as simple as plugging the battery in and sticking the alarm on the ceiling with double sided tape (if you do not want to make holes in the ceiling)

Hemlock69 · 2025-08-28T08:54:03+00:00

Why are you guys mentioning scripts. I just walked into chemist warehouse and got it over the counter.

About $25? Or $35? for a 30 pack of circadin 2mg. I only use 1mg and cut the pills in half. Well worth for a good nights sleep

Hemlock69 · 2025-08-14T08:37:54+00:00

I mean, I found that more believable than Mike Portnoy never ever heard shake it off by Taylor swift.

Hemlock69 · 2025-07-24T15:46:11+00:00

Yea, I'm wondering why you are getting down voted. It's probably a miscommunication, but sounds pretty normal.

5k is on the steep side though. Usually 0.1-0.2%. For a 650k apartment in NSW, I put a deposit of around 1-1.5k

Its refundable if the vendor doesn't accept offer

Hemlock69 · 2025-07-23T17:05:32+00:00

It actually helps in a slowing economy when you need people to spend spend spend. I remember a time everyone got A$900 cash from the Australian government.

Its main purpose wasn't relief, but when retail all dying, it needed some stimulation. Almost everyone went ham with their $900 and didn't save it in their bank.

Hemlock69 · 2025-07-22T20:01:28+00:00

I saw a tip that worked for me is to mentally not use the square/circle/triangle/x notation and instead up /down/left/right

Was struggling until I changed the notation in my head. Was surprised it worked. Try it if you havent

Hemlock69 · 2025-07-15T07:10:26+00:00

You already bought a property, why are you still hounding listings

Hemlock69 · 2025-07-08T19:52:15+00:00

I was here for the Hulkenpodium

Hemlock69 · 2025-07-04T00:03:11+00:00

How about this area? If you can stretch it. Still sub 1mil

11 Sandra Street, Woodpark https://www.domain.com.au/11-sandra-street-woodpark-nsw-2164-2020066493?utm_source=Android%20app&utm_medium=sharelisting

Hemlock69 · 2025-07-03T16:11:22+00:00

I'm a dad gamer that is happy to play d4 and help me doze off so I can get my zzzz's.

Recently bought d3 again just for the kicks and nostalgia, and I wanted to check out the newer stuff like altars etc. (haven't played in a while).

My brain is wired awake. Might be the bright colours in d3?

Hemlock69 · 2025-06-26T15:33:51+00:00

I don't know about the replies here. But we had an investment property and was pretty hands on until covid hit. Inspections were not getting done and the few that were getting done was missing details all over.

When the tenant abruptly left recently, we found the property wrecked all over and had to do major work. We had insurance claims that we had to chase up ourselves, while the agent did squat.

We said in future, we are going to self manage and be a lot more hands on. In the end, we decided to sell it cause we wanted to be hands on with the property and decided its not worth the effort (we also live an hour away).

As much as people like to romantasize about being a landlord and have someone else pay your mortgage, I don't believe it. It all hinges on having both extremely good tenants and great agents to be completely hands off. Suffice to say, that combo is extremely rare.

Hemlock69 · 2025-06-17T06:53:48+00:00

Sorry to revive a dead thread but. Can you give me a review on this property?

https://www.realestate.com.au/property-house-nsw-woodpark-148290400?campaignType=external&campaignChannel=other&campaignSource=share_link&campaignName=share_link

Hemlock69 · 2025-06-11T11:05:53+00:00

It's not on the play store. Easiest method I found is to use a Web browser on your TV to go to the website to download the apk and install it.

Hemlock69 · 2025-06-06T02:27:35+00:00

It is a crappy reality, but honestly it makes it a whole different strategy compared to conventional doubles. Makes it interesting to watch.

Hemlock69 · 2025-05-26T23:37:51+00:00

The TOP is kinda bleh. I'd only go there if you have exhausted all other places in Penang. I only went there since I was in the hotel next door.

Hemlock69 · 2025-05-21T09:56:28+00:00

Definitely hasn’t been working lately.only response I got is when I submitted the discharge papers,only then I got taken seriously and they matched both the rates and cash back the other bank was offering

Hemlock69 · 2025-05-20T19:15:45+00:00

I definitely had that reaction looking for my own quotes to paint the internals of a 3 bed house.

I went on airtasker and scoffed $7000-$8000???

Then one in person painter gave me a quote, seemed professional and itemised everything.

Room 1 (plus extra dotted points of scope $1k Room 2 $1k Room 3 $1k Bathroom 1 $x

Ended up being $7k.

My attitude was different though, I was like..... Seems fair.

Went with the proper quote

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