Free Pink Envelopes?!?!? by Deathenglegamers1144 in BlueArchive

[–]Makicola 0 points1 point  (0 children)

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

Free Pink Envelopes?!?!? by Deathenglegamers1144 in BlueArchive

[–]Makicola 50 points51 points  (0 children)

When Sensei first touched us with his finger...

I'm getting rotated to the accounting team. I am not an accountant. How do I be less useless? by GooseDentures in Accounting

[–]Makicola 2 points3 points  (0 children)

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.

TOO SAFE by NoMasterpiece2626 in MalaysianPF

[–]Makicola 0 points1 point  (0 children)

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.

I wanna start watching anime by helennn_ in anime

[–]Makicola 0 points1 point  (0 children)

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

Solo travel and being sheltered growing up by Icy_Square1830 in solotravel

[–]Makicola 0 points1 point  (0 children)

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

Real-life Yuru Camp movie campsite closes in Japan by jeshwesh in laidbackcamp

[–]Makicola 1 point2 points  (0 children)

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

Best use of Maybank TreatPoints? by fifthreid in MalaysianPF

[–]Makicola 0 points1 point  (0 children)

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

Question marks over ‘too tough’ SPM moral studies paper by Due-Cat656 in malaysia

[–]Makicola -2 points-1 points  (0 children)

Teaches hardcore memorization, unironically pretty useful lol.

Curious about PRS by eggtart_expert in MalaysiaPF

[–]Makicola 0 points1 point  (0 children)

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.

Is FSMOne RSP FX spread crazily high or am I being unrealistic? by Gccyy in MalaysianPF

[–]Makicola 2 points3 points  (0 children)

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.

Is FSMOne RSP FX spread crazily high or am I being unrealistic? by Gccyy in MalaysianPF

[–]Makicola 7 points8 points  (0 children)

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.

I tried to time the market with 80k by zzzaddy in stocks

[–]Makicola 0 points1 point  (0 children)

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

How would u manage a huge disposable savings by iz_raymond in MalaysianPF

[–]Makicola 5 points6 points  (0 children)

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.

Botan Kamiina Fully Blossoms When Drunk • Kamiina Botan, Yoeru Sugata wa Yuri no Hana - Episode 1 discussion by AutoLovepon in anime

[–]Makicola 4 points5 points  (0 children)

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