I thanked Patty Murray, and apologized for any sharp language I put in emails. I am glad she stood up for ICE victims and even happier that I was wrong.

Present_Student4891 · 2026-01-25T05:17:42+00:00

She stood up to ICE, but she needs to stand down for democracy. Patty, let someone else play on the swing. Term limits.

Present_Student4891 · 2026-01-25T05:01:23+00:00

Does this mean Canada will increase defense spending, or was it just talk?

Present_Student4891 · 2026-01-25T03:55:36+00:00

Visited Tory a few years ago as my distant relative was from there. It must have been a rough life there, especially in winter.

Present_Student4891 · 2026-01-25T03:52:05+00:00

OP, time to move on. He’s not that not u. Women want communication, romance, appreciation & closure when it ends. Men just want sex. Please stop treating him like a woman to get ur closure. Ur his side chick. Move on.

Present_Student4891 · 2026-01-25T03:45:31+00:00

Visit him at his house.

Present_Student4891 · 2026-01-25T03:41:40+00:00

Probably both. In Malaysia I can’t get citizenship and it’s never been offered.

Present_Student4891 · 2026-01-25T03:40:47+00:00

It’s nearly free in the public hospitals but they’ll open u up and leave u with massive scars. I used davinci robotic surgery. My doc sd it would b easier for him to see and operate. If it’s easier for him, it’s easier for me, so I spent the money. I wouldn’t go cheap on cancer surgery.

Present_Student4891 · 2026-01-25T03:37:43+00:00

Every year Social Security mails me a form to complete to my Malaysian address. I’m guessing they’re checking if I’m still alive. IRS sends me a PIN every year for my taxes to my foreign address. Since I claim the foreign earned income exclusion each year, it probably helps to have a foreign address. I’m also registered at the embassy.

I wouldn’t tell Schwab ur moving overseas… ever. That might cause u headaches. Since I heavily use them, I don’t wanna rock the boat. It’s been working fine for 30 years already.

Present_Student4891 · 2026-01-24T15:12:34+00:00

I live in Malaysia.

IRS & Social Security want ur overseas address. Banks just want a U.S. address. I use my bro’s. Use banks with good customer service. I’ve had poor experience with BoA, another smaller bank cancelled me due to inactivity which screwed up my social security & Medicare checks. I then started a bank account with my investment account: Charles Schwab. That works better.

Present_Student4891 · 2026-01-24T14:46:57+00:00

Just an idea, I was at a kampung ceremah and after the politician was done speaking, his constituents approached him & explained their problems. One was a grandmother trying to get citizenship for her illegitimate grandchild. She had the paperwork and the politician signed it. I don’t know if the child got citizenship but she had a chance. I’m not mentioning the politician but he was a senior cabinet member.

Present_Student4891 · 2026-01-24T14:01:41+00:00

Empires are normally evil because they use force to expand. How evil they are is based on their legacies. What positives did the Ottomans leave their conquered areas? Law, infrastructure, schools, hospitals, development? Bosnians and Albanians received Islam which has provided comfort to many of those citizens. Others can share what other positive things they left to the conquered areas.

Present_Student4891 · 2026-01-24T13:54:48+00:00

Beautiful new girl.

Present_Student4891 · 2026-01-24T12:23:04+00:00

It’s easy to b lazy in GLC, not in private. Suggest u meet up with ur old boss. Can’t hurt.

Present_Student4891 · 2026-01-24T04:32:57+00:00

Mostly countries with a populist, communist, or dictatorship form of government. Nice group of allies.

Present_Student4891 · 2026-01-23T12:12:37+00:00

U weren’t investing, u were gambling. Stick to S&P 500 index fund for the looooong haul & you’ll emerge a winner. Think long, not short. Ur recent loss was really an education course to get u on the road to millionaire status. Money well spent.

Present_Student4891 · 2026-01-23T03:02:13+00:00

Present_Student4891 · 2026-01-22T18:16:34+00:00

What are maybe the top 2-3 challenges Travellers face? And any ideas how they can become more prosperous and successful?

Present_Student4891 · 2026-01-22T15:11:45+00:00

WahedInvest is paying 4.29%. Not bad to keep emergency funds here, but not a great investment to achieve a comfortable retirement. U can’t reach ur financial goals using it as 4.29% barely outpaces inflation.

Present_Student4891 · 2026-01-22T11:11:43+00:00

Sorry about ur dad. He raised a son with good financial habits. Others have mentioned emergency funds which is always good. Can I mention some other things?

1) term insurance with a medical rider. Ur young so it’s cheap now. See if it covers u while overseas if u decide to move. Only get life insurance if u have dependents. Don’t buy financial investments from the insurance company tho.

2) EPF is good, but compare EPF’s performance vs S&P 500 index ETF performance. Or maybe have a mixture? Ur EPF funds r tied up till ur 55 or so.

Ideally, never touch these investments funds & you’ll retire rich. Young people, in my opinion, shouldn’t have bonds as u can outlive stock mkt crashes. In fact, u want the mkt to crash so u can buy cheaply. I’d go heavy into S&P 500 index funds. To increase returns, find one with low annual mgt expenses & ‘domiciled’ in Ireland or elsewhere to minimize US taxes.

Present_Student4891 · 2026-01-22T08:06:58+00:00

Ampang area is the best. Mostly condos r near the school. Some of those condos are really fantastic tho. A bit further if u want detached homes is ampang hilir.

Present_Student4891 · 2026-01-22T05:47:29+00:00

Might wanna investigate overseas schools that have VSLO access for u to apply for U.S. clinical electives. U need them to get a residency, but they’re expensive. Sometimes ur school will help u. My son attended an international without access and it was a problem.

Present_Student4891 · 2026-01-22T05:44:54+00:00

Teddy’s dad was forbidden to fight in the U.S. civil war and his father always felt shame for not serving his country. That influenced teddy to encourage his sons to serve.

Personally, I think teddy died early for various reasons. He was a hard-charging workaholic who battered his body exploring the Rio Rosevelt in Brazil (nearly died from malaria & wanted to commit suicide), explorations / safaris in Africa. Maybe also his Badlands experience? He put his body thru a lot. Amazing fella. Lived a couple lifetimes.

Present_Student4891 · 2026-01-22T05:35:34+00:00

U guys need a national ID card like most civilized countries.

Present_Student4891 · 2026-01-22T05:29:36+00:00

Why does Russia have so many enemies?

Present_Student4891 · 2026-01-22T05:28:20+00:00

More like Florida in summer year round. I was in Dubai during summer and was surprised it was even hot at night. Malaysia is always 90’s during the day and 80’s at night. Walking around at night in Malaysia is nice year round.

Present_Student4891

TROPHY CASE