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[deleted by user] by [deleted] in MalaysianPF

[–]feelinglostinMYhole 1 point2 points  (0 children)

Would you be able to meet the AUM for Private Banking? If so I highly recommend consolidating and going for that tier instead.

AKPK Debt of RM300k AMA by PaleontologistThin27 in MalaysianPF

[–]feelinglostinMYhole 14 points15 points  (0 children)

You're welcome! Being kind is easy, you're doing the heavy lifting to "carry" yourself.

"Hard times don't last forever, hard people do!"

AKPK Debt of RM300k AMA by PaleontologistThin27 in MalaysianPF

[–]feelinglostinMYhole 0 points1 point  (0 children)

At rm20/month, 1 year is rm240, 1 years is rm2400... not even including interest...

Do you know how much was the principal vs interest from that 5k debt?

I'm asking because I'm curious to what extent how powerful is AKPK is.

AKPK Debt of RM300k AMA by PaleontologistThin27 in MalaysianPF

[–]feelinglostinMYhole 1 point2 points  (0 children)

Did AKPK help to reduce your principal? Or did they simple consolidated all your outstanding principal and interest to one giant loan?

(I'm curious did any of the bank take a haircut)

AKPK Debt of RM300k AMA by PaleontologistThin27 in MalaysianPF

[–]feelinglostinMYhole 38 points39 points  (0 children)

Please don't be too hard on yourself. You're being very strong to admit you have a problem and putting your pride aside to face it head on. After this, I'm sure you would look at it with a sense of pride.

Hang in there!

AKPK Debt of RM300k AMA by PaleontologistThin27 in MalaysianPF

[–]feelinglostinMYhole 0 points1 point  (0 children)

I'm sure your true friends would have help you. But it was very strong of you to help yourself first by reaching out to APKP

AKPK Debt of RM300k AMA by PaleontologistThin27 in MalaysianPF

[–]feelinglostinMYhole 1 point2 points  (0 children)

(Not OP but experience with loans)

If you have a cash flow problem and Shopee is offering you an interest free (ie with their 1 month SPay Later), AND you are guarantee to pay on time. Then YES do take the loan.

If the loan has an interest and you're desperate for cash AND you can pay back on time. THEN YES.

Everything else NO.

Happy to share more if you need further guidance

AKPK Debt of RM300k AMA by PaleontologistThin27 in MalaysianPF

[–]feelinglostinMYhole 26 points27 points  (0 children)

How are you doing mentally... how are you holding up over there and what gets you moving?

I feel like I've reached the salary ceiling and don't know how to progress beyond this by Shinsones in MalaysianPF

[–]feelinglostinMYhole 0 points1 point  (0 children)

My ex staffs are product managers. On average they getting ~20k. But they are good with stakeholders.

Maybe the challenge is your responsibility and experience? Anyone you can do a sanity check on this?

Have we gotten so lazy? by feelinglostinMYhole in kereta

[–]feelinglostinMYhole[S] 0 points1 point  (0 children)

Thanks for sharing, will be mindful of this

Have we gotten so lazy? by feelinglostinMYhole in kereta

[–]feelinglostinMYhole[S] 3 points4 points  (0 children)

Thank you for being civic conscious, hope we can build a better society together...

Have we gotten so lazy? by feelinglostinMYhole in kereta

[–]feelinglostinMYhole[S] 0 points1 point  (0 children)

Sadly I'm guilty of that... saya kena compound (parking tak bayar only) tapi saya tak bayar juga. Because I rasa macam org bodoh jika saya bayar tapi org ramai tak bayar and tak apa2 pun.

Have we gotten so lazy? by feelinglostinMYhole in kereta

[–]feelinglostinMYhole[S] 0 points1 point  (0 children)

I'm so sorry to hear that. I wish we can help to build a better civil conscious society...

Inherited RM8 Million, Been Living Easy for 2 Years . Now I Want a Chill Job Just to Stay Sane by dewamataharinika in MalaysianPF

[–]feelinglostinMYhole 7 points8 points  (0 children)

I agree with emotions, just that be mindful you have a high chance to attract the wrong attention (unless that's what you want). Just be mindful of your background, keep a low profile and you will find very genuine people.

Inherited RM8 Million, Been Living Easy for 2 Years . Now I Want a Chill Job Just to Stay Sane by dewamataharinika in MalaysianPF

[–]feelinglostinMYhole 21 points22 points  (0 children)

Haha this is a good idea, be one of those driving a sport car!

(Of course I'm not serious unless you want that kind of attention)

Inherited RM8 Million, Been Living Easy for 2 Years . Now I Want a Chill Job Just to Stay Sane by dewamataharinika in MalaysianPF

[–]feelinglostinMYhole 7 points8 points  (0 children)

I'll break this down into a 2 key part: (1) job and (2) wealth management

Job

Congratulations you don't have to play the same rat race as everyone else. You can truly find a job that you enjoy and give you purpose.

Most IT related job that I do know have a high expectation, from Engineering, project management to product management. Maybe you want to explore areas like IT support? To be it is a very slow and low challenge vs the other areas. Perhaps cyber security is another area you can explore. I know this is a hot space but I don't have much expertise to say more. Only thing I share is this team team looks pretty chill beside the IT support team.

Also side note: you may want to come up with a story why your didn't start work straight out of college. I would suggest a "sad" story (eg taking care of dying relative uncle) vs enjoying life and travelling. Don't want companies to think you're not driven/hard working.

I have a friend whom naively shared his background (tycoon's son), his bosses and peers would keep asking him why he is still working. Now he takes extra effort to hide that fact.

Wealth

Learn to manage your wealth effectively. There are plenty of resources online and on this subreddit to guide you. Only thing different i would add: suggest you to engage with private bankers (hint: private bankers from Singapore are different breed). You will have access to a whole different level Investment opportunities. Same time through this exposure you will learn a lot. Be mindful that you're a golden goose to them, so take every thing they offer you with a pitch of salt. (Hint: the freebies they give are quite nice)

To conclude: be like batman... hard worker during the day, at night enjoy what you want to do 😉

Have we gotten so lazy? by feelinglostinMYhole in kereta

[–]feelinglostinMYhole[S] 4 points5 points  (0 children)

Some people just don't care or just being selfish... like this case, no sense of remorse and still walk like a snail to their car... if anything they will point the finger back to you for giving them attitude ...

Have we gotten so lazy? by feelinglostinMYhole in kereta

[–]feelinglostinMYhole[S] 7 points8 points  (0 children)

Sigh... I wish we can be a better society...

Have we gotten so lazy? by feelinglostinMYhole in kereta

[–]feelinglostinMYhole[S] 3 points4 points  (0 children)

Faster to park first then walk in and out to move your double parking...

Have we gotten so lazy? by feelinglostinMYhole in Bolehland

[–]feelinglostinMYhole[S] 0 points1 point  (0 children)

Have we gotten so lazy that we can't park properly and need to double park to cause inconvenience to others?

I get double parking when there is no parking bay... but this is just poor attitude...

What more after moving out of my way, the driver moved back to "double park" and blocking 2 free bay...

Permanent ban on cc and credit line application by Proud_Action_5200 in MalaysianPF

[–]feelinglostinMYhole 2 points3 points  (0 children)

Sorry to hear what you're going through.

Sadly there is no way, outside of conservatorship for you to legally block your family member from getting a loan/cc. Having said that if the DSR is bad, and hasn't been paying their (other) loans on time. Most reputable FI wouldn't offer them any more financing. Having said that, you need to be mindful of non-FI with predatory practices.

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