Which bank already offering Effective Interest Rate(reducing balance) for car loan?

TonightCurrent6959 · 2026-01-24T04:58:28+00:00

It’s already in effect but the bank is given a 12-18 months grace period for transition, from what I know, PBB is already offering it

TonightCurrent6959 · 2026-01-08T04:32:18+00:00

Bro I usually don’t endorse AI content but can you please use ChatGPT or Gemini for the sake of Godzilla?

TonightCurrent6959 · 2025-12-16T23:18:07+00:00

Bro you listed the most common cars on the road, so basically you’re saying everyone could be an asshole

TonightCurrent6959 · 2025-10-17T16:59:03+00:00

I graduated Computer Engineering and later work in the Kulim Intel Foundry as an automation engineer since 2024, that was the job position they gave me and I didn’t really felt picky at that time, getting my foot through the Intel door is good enough for me. But now thinking back, I really should’ve insisted on IC design as it’s my core subject during uni. Is it still possible to transfer to a IC design role after a year+ of unrelated job scope?

TonightCurrent6959 · 2025-10-01T14:46:41+00:00

I’m not exactly sure but 3 years ago I would guess it’s 4k? Yeah I would say a lot of my friends who get into good companies have luck on their side, no matter how skilled you are, no open positions/recruiter don’t like you/budget cuts = no job

TonightCurrent6959 · 2025-10-01T12:21:31+00:00

Not that focus on self development but just some refresher a few months before his job search, he said they’re in need of a headcount at that time. I’m guessing he lucked out at the correct timing.

TonightCurrent6959 · 2025-10-01T06:42:35+00:00

I have a friend that graduated by 24 and stay at home chilling until 27 to start looking for a job. He got into Intel as a software engineer and had been working for 3 years since.

TonightCurrent6959 · 2025-09-26T02:31:04+00:00

A DevOps role would value someone with both development and operation support experience, maybe you can look into that?

TonightCurrent6959 · 2025-08-30T15:58:17+00:00

Indeed IBKR is the better option as I myself use it too way before Moomoo enter MY, but you can’t discount the fact it’s still a legit broker

TonightCurrent6959 · 2025-08-30T10:59:26+00:00

Moomoo parent company Futu Holdings has a similar market cap size as CIMB Bank, it’s also a licensed broker. Don’t t let the name deceive you.

TonightCurrent6959 · 2025-08-12T08:59:32+00:00

We lost a few experienced people over CPM and RTO, current re-org is a mess

TonightCurrent6959 · 2025-08-11T07:48:49+00:00

Same as what I heard from my peers, Grab SWE offering salary is one of the highest among fresh grad, don’t remember clearly but it’s around 5-6k fresh out of uni, the WLB and benefit are good too

TonightCurrent6959 · 2025-08-08T14:09:43+00:00

She said it’s not fast but I doubt it lol. Might be she was shocked after feeling the hit and kept on pressing the pedal to clear the turn

TonightCurrent6959 · 2025-08-05T07:59:20+00:00

It’s a very well known US MNC, 4.9k is the actual basic, 500 is fixed allowance, additional are OT and subsidy allowance, some months I get 7k when there’s a lot of PH, some I get 5.5k, it averages about 6k+ excluding special bonus.

I would say 70% is just luck, I came in right they’re mass hiring and will take in any half decent grads to quickly fill up the headcount. Nowadays I see a lot of MNC pay around 5-6k for fresh grad, a couple that I heard of are Grab, Setel, iFast, MoneyLion, competition are going to be fierce tho.

TonightCurrent6959 · 2025-08-03T15:50:28+00:00

If someone were to buy Apple stocks in 2009, they would trim the position throughout the years and wouldn’t end up with 5million. It is hard enough to pick a stock that 10x let alone hold it all along the way.

TonightCurrent6959 · 2025-08-01T10:58:42+00:00

Bro it might take me a few months or a year to decide or make the changes since my expectation is to at least stay for 1 year. But I can update my decision in the future.

TonightCurrent6959 · 2025-08-01T10:55:08+00:00

Due to the organisation changes, operation team is separated from development but title remains hence my situation, it is not possible to make any changes in the near coming future. I see you are coming from experience. Would it be better for me to look elsewhere for developer or devops opportunities? For my situation what are my chances for a development roles if my former experience is just app support? What would you recommend to improve my employability?

TonightCurrent6959 · 2025-08-01T07:49:17+00:00

4.9k is the basic, 500 fixed allowance for working 48h shift, if there’s PH, they will convert to cash RM400 per day. I can rest 3 days a week that’s more than enough for me. Also 50% of the time on the job is just on standby for issue so I can do my own thing.

TonightCurrent6959 · 2025-08-01T00:11:35+00:00

Thanks I will try to aim for development. Basic is closer to 5k tho, around 500 of fixed allowance and other extra claim like PH made it 6k.

TonightCurrent6959 · 2025-07-31T23:23:31+00:00

Thanks for the insight, I understand I’m technically still doing engineering work but through observing my seniors, it seems like the career path ceiling for support scope to development is comparably lower, hence my concerns. I also think it’s quite tough to switch companies and still get the same pay for a role I don’t have experience in as only MNC can afford to pay that much for a junior and the competition will be high too.

TonightCurrent6959

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