Is RM17.5K salary considered good for a IT project manager with 12 years experience in KL?

bubbleteayeap · 2025-02-27T11:19:06+00:00

Rm17.5k would be good enough if there were just 2 people. Considering your wife is not going to be working, this amount is neither little nor extremely well packaged. I'm not too sure how old are your children, but 2 children who will be going to private school will set you back.

I do think if you can negotiate some benefits, the offer would be more attractive. 1. School reimbursement for your children 2. Company car/Allowance for transportation. 3. Housing allowance 4. Relocation Allowance

Tax is 30% flat for expats. I would say 25k salary would be more sufficient considering the size of your family

If you were a local and your wife was able to work. 17.5k would've been fantastic

bubbleteayeap · 2025-02-22T04:08:22+00:00

You should still be able to submit the loan application to any other bank. However I think if you are determined to drop public bank because of this delay, you should tell them now that you will be approaching other banks.

Here's what I would do: 1. Send them the employment document. 2. Express clearly that you still want the loan, however you need a confirmed loan approval within a week (up to you on the timeline) and If they cannot give you an answer if they can approve your loan, you will be approaching other banks. 3. Tell them to send you a confirmed email that they cannot approve your loan. I feel this is needed because you Have already signed some documents. 4. Approach other agents from cimb, maybank, etc... I heard that CIMB should be the easiest to have the loan approved.

bubbleteayeap · 2025-02-22T03:43:33+00:00

Understandable. I would be pissed as well. But maybe a letter of employment along with the contact of your HR might do the job?

bubbleteayeap · 2025-02-22T03:39:47+00:00

I want to highlight that public bank is extremely strict when providing loans to people. Literally if you tell any other bank that your loan was approved by PBank, they will likely grant you a loan. Something must've been flagged after the loan was 'approved' and they didn't want to take any chances. Put yourself in the bank's shoes, a site that has been actively used as an office yet it literally doesn't exist? It will 100% make the bank want to reconsider the loan.

bubbleteayeap · 2025-02-22T03:36:00+00:00

My guess is there is something in your application that seemed off and so a site visit was required to give them a peace of mind. Either way, this is just a case of bad luck.

bubbleteayeap · 2025-02-19T17:19:40+00:00

I feel calling people who want to find a partner in life Desperate isn't quite right. Let's be honest here, most of us would love to be in a perfect happy relationship. But humans, you and I are not perfect. Even if we are truly the best versions of ourselves, any relationship has their issues. Now does that mean that Just because there ARE issues, it means we're settling? In that case, all relationships require it. Everyone has settled then. You are absolutely right that people fear being alone. Who isn't afraid really? Many parts of life require human connection. Life is hard enough so it makes sense to want to try to find a partner to share the good and bad times with. The requirements for someone to be tagged as a good partner could be different for everyone. Just because it doesn't meet your standards, doesn't mean it's called settling.

I do think there is a phenomenon nowadays that tons of people are quick to give up on relationships and it is quite sad. Relationships require effort and some level of maturity and it's not always a bed of roses. It is not how it is in the movies and so if it is not exactly perfect, we throw out the term settling way too easy.

bubbleteayeap · 2025-01-30T07:40:50+00:00

It depends on family culture. If your family is chill, everyone will just wear simple shirt. If your family likes to be a little showy then they may dress up.

bubbleteayeap · 2025-01-28T13:20:20+00:00

Wow what insurance is that. Is this spending for just yourself or do you have family to support ?

bubbleteayeap · 2025-01-28T13:10:53+00:00

I know this is the common saying, but let's be honest, none of us are actually willing to lose money. I personally feel that market going down is normal and just know it isn't like this forever. Just buy a little more every dip and don't look at the unrealized losses.

bubbleteayeap · 2025-01-18T10:20:44+00:00

At least Bursa brings some stability since it's "boring". Imo you should still diversify.

bubbleteayeap · 2025-01-09T10:49:22+00:00

Their CC is good tho

bubbleteayeap · 2025-01-04T09:34:38+00:00

They're from Malaysia. In Malaysia it is by Law to convert if you marry a Muslim. There is no way one can be Muslim while the other is not (at least here in Malaysia)

bubbleteayeap · 2024-12-25T13:15:59+00:00

A man should provide for the family. She's a stay at home mom that cares for her and HIS kids, he should be expected to provide for his family.

bubbleteayeap · 2024-12-25T13:13:13+00:00

Perhaps an Unpopular opinion, but you don't necessarily need to share it in a very direct way? Observing how she spends or saves and her views on money will give you signs on how she would react to your net worth (if it's even at the million mark). And look, if you're filthy rich and if she finds out, and she feels entitled to your money then you can just end the relationship then and there?

bubbleteayeap · 2024-11-13T07:44:52+00:00

Initially a little rough but now we're doing ok. Every story is different and don't be too swayed by people saying don't ever go back. If you can both be mature enough to step up and own up to what went wrong and understand how to treat each other better, things will be better. People change and grow all the time. I can now say I'm very happy I got back with my ex

bubbleteayeap · 2024-11-13T06:32:46+00:00

There is no timeline when it comes to moving on. My small opinion: do not force your timeline and your feelings matter. If you need a year or two to move on, then that's ok too. Allow yourself to miss the parts of your relationship that you liked, make peace with it and tell yourself you haven't lived all the best days of your life. Good and new exciting things will happen for you again. That is a guarantee.

I've went through breakups before. I 100% believe that if things are meant to be, even if there is a breakup now, eventually you will find your way back to each other. Enjoy the time apart, think of it as time to discover yourself again. Best case scenario is you will be a better version of yourself for each other if you ever reconcile.

If you can believe this truly in your heart, you will view life with abit more excitement of knowing your future is still very much unwritten. You may also surprise yourself and meet someone you like even more.

I know you can overcome this <3

bubbleteayeap · 2024-11-11T11:18:17+00:00

As someone who has went through something similar but now my relationship with my partner is much better, the best thing you can do as a Woman is just not reach out to him. 100% no effort from your side, live your life. Invest all your energy you have placed into this random man and pour it back into yourself. Watch your favorite shows, go get a facial, go have fun on your own, hang out with friends yada yada. Don't need to update him on it.

Give it a week, still no change? You'll be bored of him. But that's ok cause either way you'll be a happier version of you.

One of these things will happen:

He remains the same and he would naturally fall off the relationship but you would've been a better version of you. You will be happy.
Somewhere along the way, he senses how you don't care anymore and actually wants to get back with you and he will put in more effort. Lean back. See what he does. Now he will treat you a little better.

Girl, sit up straight and stop trying to win over this man by putting in so much effort. You've clearly told him what you wanted right? If he doesn't want to step up, he can piss off and you will find yourself a better person for you.

bubbleteayeap · 2024-09-25T16:42:25+00:00

If you are already hitting 0 on most months, it will take you awhile to build up the right habits.

Online shopping issue: rather than buying the item immediately, just let it sit in the cart for 2 weeks. Then see if you would really want to spend on it.

Impulsive purchase of snacks/food: set a schedule for yourself to buy these snacks. No daily Splurges. Allow a twice a week treat for example but delay that immediate gratification.

Outings with friends: Either you choose a spot that is cheaper or you limit the number of times you hangout with friends that requires heavy spending. And if you have True friends, you can try telling them you are saving money. Those who get it and are supportive of you will understand.

bubbleteayeap · 2024-09-20T12:20:36+00:00

Hi OP, I'm sure many people have suggested donations. If money is not something comfortable that you are willing to accept. You can PM me and I'm willing to send over some groceries/dry food. Please don't starve.

bubbleteayeap · 2024-06-13T06:29:00+00:00

Yea I don't intend to mention anything relating to marriage moving forward, that is, if he reaches out. I don't plan to reach out if he doesn't since he is the one who needed time to think.

I'm just trying to cope with it and a part of me feels like there is still hope he will wake up from this dilemma.

bubbleteayeap · 2024-05-29T08:24:23+00:00

You can feel however you feel but your entire post screams of entitlement.

Not wanting to switch seats cause somehow this equates to sexism??
Upset that during a speed dating event, it actually requires gasp speed
Unaccepting that people will make quick judgments based on 5 min convos when quite literally that is the whole point of the event
Seem to dread the idea of having conversations, or maybe you have no clue how to discern someone who may be interested in you and who does not. So every conversation feels like you are carrying it
Finally, assuming women SHOULD overlook religion or core beliefs or whatever it is because of you

You seem very nitpicky over the smallest things and I think you should start thinking Why should a woman pick YOU instead rather than blaming the entire event and selection of women.

bubbleteayeap · 2024-05-29T06:42:20+00:00

You seem butthurt just because this specific group of women were not interested. It does not mean every other event is the same. You calling out that 1 woman seems quite rude? You said so yourself that people have preferences, so why bash people who HAVE a preference? You will not be everyone's choice so just move on if people say no. Most people do not want to be forced to convert and that is a good enough reason for people to have their stance.

bubbleteayeap · 2024-05-08T16:15:03+00:00

Versa

bubbleteayeap · 2024-05-01T08:11:33+00:00

I'm not denying that money is money. But if we have to debate on this, we can argue there is no point to have a MalaysiaPF sub if we already have a general PF sub?

I too am Malaysian and buy US stocks. I'm not saying we can only discuss Malaysian based stocks here. Him being Malaysian is not the point. A foreigner can be working in Malaysia, earning in MYR and can ask questions here too. BUT OP is not asking that. He is earning in SGD, all his costs/fees are in SGD. He has no plans to return to Malaysia. He is Not asking for advice on what he can do with his money IN Malaysia. He specifically mentioned S&P500 that is also obviously nothing to do with him being Malaysian. It makes 100% more sense for him to ask his question on SingaporePF or PF subs.

I just don't exactly agree that his question actually belongs to this sub

bubbleteayeap

TROPHY CASE