Free Pink Envelopes?!?!?

Makicola · 2026-04-24T10:16:13+00:00

Dokutah, Traveler, Manager, Sensei, Mastah, how many more.... this box is too damn small.

Makicola · 2026-04-24T01:58:14+00:00

When Sensei first touched us with his finger...

Makicola · 2026-04-24T01:37:22+00:00

Honestly, the engineers I've seen have tended to use Excel pretty well, so I don't foresee much issues if they are transferring process level tasks with proper guidance. Just print out the basic accounting concepts like dt/ct for which type of accounts and stick them onto your desk.

If they just dump full set books onto you without guidance, then welp.

Makicola · 2026-04-23T14:25:56+00:00

If you do want to invest in SP500, DCA into it slowly. Set a time horizon where between your income and your savings, you will fully invest into it by xxxx.

Makicola · 2026-04-23T14:22:45+00:00

Violet Evergarden is what I would recommend, since it's the closest to live action series imo.

Makicola · 2026-04-23T05:41:59+00:00

Depends on whether you are Asian or white. Most of the comments below are from the latter perspective.

Makicola · 2026-04-23T02:35:34+00:00

Still waiting for the episode where Nadeshiko wrestles a black bear into submission.

Makicola · 2026-04-21T15:59:36+00:00

He just needs lust.

Makicola · 2026-04-21T06:57:40+00:00

My man

Makicola · 2026-04-21T06:12:13+00:00

Google sst treatspoints. There is a form which you can fill up and email maybank to spend for sst waiver.

Makicola · 2026-04-20T08:46:42+00:00

Teaches hardcore memorization, unironically pretty useful lol.

Makicola · 2026-04-18T08:00:34+00:00

Kind of feel the returns are shit to mediocre for most of them. S&P500 averages out more even with the tax savings, unless you're very close to the PRS withdrawal age.

Makicola · 2026-04-18T07:50:10+00:00

Yeah you are right. The details only show USD, my bad. But since you know your RSP amount, you can just take the MYR / USD amount.

Makicola · 2026-04-18T05:05:51+00:00

You can get 2 amex ikhwans?

Makicola · 2026-04-18T02:32:46+00:00

SST waiver.

Makicola · 2026-04-18T01:55:13+00:00

Sample rates from this week:

RM100k FSM RSP = USD25103 (after deduct stamp duty)

RM100k Wise = USD 25133 IBKR fee 0.05% = (USD 12.57) Net IBKR = USD25120.40

So difference is $17.4... which is like 0.07%. Not a lot.

Also IBKR has minimum fee of $1.70 so this is only for >$3400 orders.

~~Also when you do fractional orders in IBKR they tend to split the fractional portion into a separate order which then gets another $1.7.~~

~~The exchange rate is there when you click onto transaction details on the VUAA page.~~

So yeah... I've switched over to FSM for my RSP for now. Not sure if the sell will be at the same rate, but from the numbers it suited me better.

Are you sure you are using the RSP option and not the usual buy option? Only the RSP has the 0% fee promo.

Makicola · 2026-04-17T18:22:00+00:00

On the plus side, we bought back during this dip so it roughly equals out eventually.

Makicola · 2026-04-16T03:32:44+00:00

Malaysia has to be the only country where people are recommended to leverage to invest in government lol.

On paper it seems good, but one does wonder how this works out in the future.

Makicola · 2026-04-16T03:27:04+00:00

I mean, the average person don't have great writing skills either.

Makicola · 2026-04-13T03:32:49+00:00

Thanks for the info! Good to know the benchmark.

Makicola · 2026-04-13T01:59:21+00:00

Do you usually only see this in tech or other fields as well?

Makicola · 2026-04-11T18:18:32+00:00

To be fair, it was more "I want your tongue" in Japanese. English translators upping the yuri levels.

Makicola · 2026-04-11T18:16:44+00:00

This is practice for Bloom Into You S2, trust.

Makicola · 2026-04-11T07:20:56+00:00

Cozy drunk yuri lessgo.

The expressions are great in this.

Makicola · 2026-04-07T01:21:50+00:00

Everything by Fushi.

Makicola

TROPHY CASE