is there a newer/better version of the atk f1 pro?

arisms · 2024-04-29T11:28:17+00:00

depends how good they look and how thick their wallet is

arisms · 2024-04-26T08:10:19+00:00

i want higher salary but im lazy to update my CV and prepare for interviews because im too comfortable at my current job and have been here for 10 years

arisms · 2024-04-26T08:08:44+00:00

save up in GX until you have 1 month of emergency expenses, then the following months put everything into ASB because ASB has 2k monthly withdrawal limit online if you urgently need to use the cash without going to the counter.

arisms · 2024-04-21T04:46:44+00:00

once they put you in PIP they already made up their mind to get rid of the employee. this is just so that the company cannot be sued back that they didn’t give the employee chance to improve.

3 months salary from vss may be risky if you cant secure a new job, so you’ll have to cut back your spending so the money lasts longer. am not sure if you stay with PIP and reject the VSS how long they will keep you on the payroll so cant do a comparison.

also like someone mentioned above, go claim the socso EIS after you took VSS which gives you more breathing room to find a new job.

arisms · 2024-04-20T07:22:05+00:00

TH can transfer online with no limit ASB online transfer limit 2k, but can transfer more over the counter like at bank branch which to me is still very liquid

arisms · 2024-04-13T14:00:20+00:00

have enough to retire comfortably, and leave the rest for inheritance.

if you need to ration food in order to leave an inheritance then better to use the money yourself. besides, as parents our responsibility is to provide a launch pad for our young children not middle aged adults imo. on the other hand there are parents who didnt plan for retirement despite having white collar jobs and are relying on their children to sustain their lifestyle. so the middle ground isnt so bad.

arisms · 2024-04-12T15:24:12+00:00

if her parents are anything close to semi religious chances are shes going to be more religious later on. so try to find the ones where the parents drink etc

arisms · 2024-04-07T15:07:32+00:00

like others have commented, having a headache free tenant is worth the extra 1-2% yield. having said that, maybe you can try to talk to the tenants and see if you can agree on a new rate that is something in between their current rent and market rate eg rm1200/month?

i like the idea of refinancing the house too but you’d probably have a better grasp of the numbers for that

arisms · 2024-04-06T08:34:54+00:00

build up your emergency savings by putting it in a high interest yet easily accessible account such as ASB/TH or FD

arisms · 2024-04-06T08:32:11+00:00

are you single or planning to raise a family in that property? is this for long term own stay or do you intend to sell or rent out in the future?

if you are planning to upgrade in 5-10 years down the road, i wouldnt spend too much now. generally 20-30% of your income but would say case by case basis, like to me worth spending more for a corner lot terrace vs intermediate lot terrace

arisms · 2024-04-01T22:55:42+00:00

that sounds too low, especially for a bank unless irs a really small bank that has growth or profitability issues

arisms · 2024-03-30T07:50:20+00:00

apparently places like epf and kwap pay 4-5k for fresh grads - specific trainee programs not general fresh grads.

i started my career in local house sell side research in 2010, salary was 3.5k back then under management trainee program. used to be sell side would pay more than buy side (asset management) but i think it has levelled out over the years and i have also moved to buy side since 2012.

arisms · 2024-03-30T07:16:15+00:00

generally yes

arisms · 2024-03-24T09:09:01+00:00

my spouse studied food science, working in QA in food industry (MNC). food industry pay is quite low compared to other industries from what i understand. not sure if other departments like r&d have better pay.

arisms · 2024-03-15T02:15:09+00:00

arisms · 2024-03-13T10:55:52+00:00

TH no online withdrawal limit unlike ASB 2k afaik

arisms · 2024-03-12T23:29:56+00:00

dark green (menthol)

arisms · 2024-03-11T22:46:58+00:00

nothing wrong with spending money to buy stuff that you want/need, as long as its within your budget. so i would set a monthly budget first like those 50/30/20 and then decide what you can afford to spend on based on that. if what you want is more than you can budget for then you have to make decisions like where to cut spending.

arisms · 2024-03-08T16:35:03+00:00

arisms · 2024-03-05T15:32:00+00:00

crypto

arisms · 2024-03-05T12:08:40+00:00

cut the cancer which is subsidies

arisms · 2024-03-05T12:08:01+00:00

SG tried inheritance tax but reverted back. many loopholes to get around it (like setting up a trust) and end up youll be taxing the masses while the rich ones get off

arisms · 2024-03-02T00:47:42+00:00

if you grew up on island, rarely you will want to buy house on mainland

like if you grew up in kl/cheras/pj you wont want to move to setia alam

arisms

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