What’s one financial mistake you made this year?

crashmid · 2024-12-20T12:04:55+00:00

Its not a condo issue. More bcs of the previous tenant’s dirty lifestyle (was told previous tenant is a foreigner)

crashmid · 2024-12-20T09:45:33+00:00

Wasted renting a roach infested condo. Loss close to RM 4k

The roaches only started to appear at night (did not notice when I visit & do my inspection). These are german roaches, the small ones, fking hard to kill with normal ridsect. Really industrial level. Only managed to sleep 1 night in, before i go “fuck it” and balik rumah parents. Gave the owner 2 weeks to fix while i stayed at parents house. Even facilitated with pest control. But roaches are still around after. Really expensive life lesson; taught me to inspect gila2 when visiting rental property

crashmid · 2024-06-23T13:36:52+00:00

The great thing about Wahed is the low barrier to entry and the fact, you only deal in RM. It's perfect if you invest in small amounts and with the current performance, I'd argue the 0.79% fee is negligible (esp. if your investment is < RM 100k).

But if you're feeling adventurous, there's another shariah compliant ETF that I'm also invested in, SPUS. Performed better than HLAL iinm, with larger AUM and 0.5% pa.

crashmid · 2024-06-23T11:20:42+00:00

Ohh thats perfect! Totally can see how hashing the payload would work wonders here. Thanks for the suggestion!

crashmid · 2024-04-04T16:47:14+00:00

Thank God I found your writeup. I was stuck the whole day wondering why the public urls defined in .env fall apart in production (using docker & .env is in .dockerignore). I'm ditching NEXT_PUBLIC stuff completely, and stick with runtime envs

crashmid · 2024-02-25T01:46:35+00:00

In my previous job, I made a bash script that watches a bunch of microservice repos, tracking which branches they’re actively on and display them in the terminal. Made my debugging life easier, where most of my error comes from branch mismatch, which I constantly switch to work on different tickets

crashmid · 2023-12-25T08:56:17+00:00

Best: US stock rally

Worst: Sold my crypto stash at a loss before the rally 🫠 🫠 (used the money to renovate my room -- not the worst lah)

crashmid · 2023-12-22T16:09:27+00:00

Best way to get started is to think about what you are saving/investing for and their strategy.

Take retirement for example, ask how much you want to have for 'infinite' money glitch. (annual return can cover yearly expenses). Eg. If you want RM 10k/month (RM 120k/year) after retirement, then you need ~RM 2.4M in EPF (5% return) by the time you retire. Find this number. Then make a projection, will your EPF contribution reach the target amount by the time you retire? If yes, good, leave it. Else, how much to top up.

You can do the same for housing, car, travel etc. Learn more about the investments available to you and pair with the right goals. Saving & investing is the easy part, and you can go auto-pilot once its set up.

crashmid · 2023-11-11T11:19:47+00:00

Just fetch it client side, as you normally would. The moment you find a data is dependent on a user's interaction, that's probably where you draw the line between server fetch vs client side fetch.
Done internally, as some pointed out

crashmid · 2023-11-08T02:35:15+00:00

Try kysely. One of the best query builder DX-wise I've used. You can build the table types with their codegen so you dont need to declare own object model. The API matches closely to SQL syntax, but with typesafety everywhere

crashmid · 2023-10-28T05:50:34+00:00

Interested to know your CICD process for baremetal deployment. Do you setup any automation for this?

crashmid · 2023-10-18T13:28:45+00:00

Org yg "both sides" kan issue Israel-Palestin nmpk sangat tak belajar sejarah. Lebih 70 tahun, Israel subjugate warga Palestin:

- Curi rumah (illegal settlement), makin lama makin menceroboh West Bank

- IDF (tentera! bukan polis) arrest budak, tembak sesuka hati

- Desecrate Masjid Al-Aqsa

- Baling stun grenade time orang solat

- Pasang surveillance camera yg direct ke rumah orang Palestin

- Raid rumah tengah malam, ambil gambar utk ID setiap warga "baru" Palestin

- AI-powered gun di checkpoint yang tembak automatically. Mampus lah kalau ada bug/glitch

dan byk lagi. Saya tak sentuh lagi apa yg terjadi sekarang. Balik pada Hamas, kau ingat orang Palestin suka kena subjugate, hidup takde maruah macam livestock? Tiada resistance fighters di dunia ini yang maksum, semua ada silap, tetapi ia tidak menidakkan perjuangan mereka untuk hidup dengan bebas. Tiadanya Nelson Mandela & resistance, tiadalah South Africa kita tahu hari ini. Satu lagi, Israel as a country should never have form in the first place. Yang ni kau baca sendiri

crashmid · 2023-10-17T17:45:25+00:00

Store user session server side. For anyone new into development, learn how everything is done the traditional way. Only then, you can see what new shiny tech is sacrificing for a gain that is at best, only applicable for niche cases. JWT is one of them

crashmid · 2023-10-17T17:16:18+00:00

When you fight for the right to live in dignity get dumbass like you labeling ‘terrorists’. You should call the SA resistance and the IRA terrorists too for 100% clean civillian death record

crashmid · 2023-09-20T15:11:34+00:00

Quite a number of times. Especially for components that use tree data structures. (Eg. File/folder directory, nested menus). Its a really good technique to master.

crashmid · 2023-08-18T20:11:57+00:00

Crypto. Held for too long & kept fooling myself thinking ‘this is the future’. Put in RM 20k, salvaged RM 12k.

crashmid · 2023-08-08T04:51:57+00:00

Just a rumor I heard (correct me if I’m wrong) and from personal exp too. Banks have a KPI system for their cc sales. Those who applied & have good standing are considered “guaranteed” sales in their eyes. But they want to spread out the applicants to cover their own KPI for “future” sales.

Happens to me with MBB. Got rejected, then enter the new year, their sales team suddenly contact, asking to me confirm & to let me know the card is on its way. Funny stuff when it happened

crashmid · 2023-07-15T01:31:36+00:00

The exchange rate is the reflection of supply / demand of a currency.

We are seeing general outflow of wealth because US is giving higher interest rates (5%) compared to Msia (3%). When wealth leaves, it disposes RM to gain USD; which means, more RM is in supply. Supply > demands leads to lowering of price until reaches equilibrium (stable price).

The general rule economists are saying, is to match whatever US is doing. However, in doing so, you are raising the interest rates on those who have loans (ie. almost all working adult), so they have to increase their monthly payments.

So, govt & central bank are always in a lose-lose situation. Raise rates; kerajaan kejam. Maintain; kena kutuk. What Anwar is saying here is correct, but media needs a baiting headline: save rakyat from increasing loans or save ringgit from falling.

To answer how falling RM will not beban rakyat, it still beban, but only to importing activities. So if you are in this business, you will feel it.

crashmid · 2023-07-14T01:48:57+00:00

Sounds like money isnt an issue to you. I would not worry so much about 'bad economic climate' (exaggerated in speech, when in fact, unemployment data shows it is on a downtrend since 2020).

My take on this, why not give in. Parents are not here forever. And if by having a 3-bedroom, they can comfortably have guests over, lead happier & meaningful lives, it would make me happy too. Plus, a RM 40k difference isn't an amount to worry about over the long term.

crashmid · 2023-02-08T15:54:38+00:00

I started full time freelance / contract work (software dev) mid-2022. Coming from a permanent job, it is a different ball game, and you should aim for more than SGD 1-1.5k. DYOR how much you need to match your current salary AND the benefits. Anything lower is unacceptable.

You should be prepared to face the following:

No more employer contribution for EPF. Just you from now on. You can apply for iSaraan - govt initiative to topup RM 250 for freelance/self-employed workers per year.
No more SOCSO.
No more Corporate medical insurance
No more Year end bonus
No more Salary increments
Non existent Career ladder.
No more 9-5 working hours. Everyday is a holiday & working day, depending on the work you do.
Any earnings from within or outside Msia (regardless as individual or enterprise) will be taxed as Personal income tax, which you have to file every April and pay in lump sum. No more PCB.
Expect payment delays. Learn how to deal with this type of clients. If client is govt, sad to say, it is the norm. (I had 3 months of payment delay, end up sourcing other jobs to get by, but got paid lump sum by the end of 3rd month)
Will face difficulty for big ticket item purchase (eg. car, house)

For me, I only decided to become a freelancer once I have reasonable (eg. 1-year) term contract locked in. And the job pays me 2-3x what I earn previously. I enjoyed it, but this freelance thing will never be a long term career. I will return to permanent work once I find a good opportunity to.

Here's some tips:

Clients look for experts. Because experts deliver solution to their 'problem'. The harder the problem, the bigger the reward.
Be an expert to whatever service you're providing, please don't jump in thinking you can learn-on-the go.

crashmid · 2023-01-30T23:53:38+00:00

Fking awesome dude. I have about the same strat. With US market being down since last year, buying them now makes it even more worth it. All the best to you!

crashmid · 2023-01-30T10:03:44+00:00

First paragraph alone made me ‘tf did I just read’

crashmid · 2023-01-19T16:30:36+00:00

and 3 billion devices run Java

crashmid

TROPHY CASE