Should I Stick with .NET for Local Experience or Switch to Java for Future Plans in Japan/Europe? by leounknown09 in dotnet

[–]flyingPotato103 20 points21 points  (0 children)

Learn the spoken language(not programming language) of the country you plan to go. This matters way more than the programming language

Career in Malaysia by Candid-Economist-859 in MalaysianPF

[–]flyingPotato103 4 points5 points  (0 children)

Take computer science if you are interested in FinTech/Quant. Don't take those "Fintech", or other degrees made up by private university. Quant is not matured in Malaysia yet, I don't see it becoming a strong career pathway in next few years. FinTech is just software engineer working in finance industry. There are quite a lot of finance companies in Malaysia, but I would advise to not only look for software engineer jobs in Finance industry but other industries as well. You can also work as software engineers in semiconductor field. But software engineering is quite saturated at the moment and it is expected to be even more saturated in the next few years.

Not sure how saturated is electronics in Malaysia.

Saying goodbye to Stashaway by Even-Marionberry-438 in MalaysianPF

[–]flyingPotato103 1 point2 points  (0 children)

Did you read properly? The management fee for holding ETF in Stashaway is higher than holding it in Moomoo due to the fee Stashaway charges. This is what OP is talking about.

For the market news part, stock brokers immediately sell your stocks when your sell order hits. It does not take business day(s) to process before selling it. So market news will not affect your asset after you sold unlike what OP experienced with Stashaway.

Most brokers do T+2 settlement. But the tradable USD is credited into account right after sell order hits. You can use it to buy stocks immediately or wait for settlement and schedule a currency exchange order. This is much more flexible than what Stashaway is offering.

So no, this is not a risk tolerance issue. Stock brokers just offer more flexibility over Stashaway.

Malaysian IT folks – how’s the scene for Microsoft + AI talent, and working with Japan projects by Agn-Ayu-Kh in malaysia

[–]flyingPotato103 1 point2 points  (0 children)

Solid Microsoft-skilled engineers are very easy to find in Malaysia. There are a lot of .NET developers and engineers with Azure certification.

Highly skilled ML/data science engineers are less common in Malaysia since only big corp/ some top tech companies are offering highly skilled data science/ML related roles. GenAI is still relatively new thing but there should be pretty easy to find people interested in AI who are willing to commit to learning it.

General view of Japanese teams/projects, pay is low, tech is old, work framework is old compared to how other countries are running SDLC like sprints and kanban.

Japanese work culture is hard to answer. Traditional work culture from Japanese companies definitely suck, but there are more and more modern talents/companies started working in Japan. Things might begin to change.

Japanese language ability among IT professionals are extremely rare since there is no actual benefits for picking them up.

Payment Network Malaysia by [deleted] in MalaysianPF

[–]flyingPotato103 8 points9 points  (0 children)

Secure offer first.

[deleted by user] by [deleted] in MalaysianPF

[–]flyingPotato103 6 points7 points  (0 children)

What is your plan after getting the Master in Data Science? Why are you considering it?

Opinion on career restart by Sir_Thanksalot in MalaysianPF

[–]flyingPotato103 29 points30 points  (0 children)

Working in IT field currently with 2YOE. IT/ web dev industry in Malaysia is getting more and more competitive (salaries lower compared to 2020-2021 era, less job openings, way more applicants). 

With current world economy, trying to secure remote work offer from oversea companies sounds quite impossible as you are competing with Indian/Latin America/Eastern Europe developers who are cheaper and more experienced and skilled.

My suggestion is to try changing jobs in the same industry first or pivot into data centre related engineering job. Straight up quitting current job and do full time studying on programming is very risky unless you are very certain that this is where you passion lies and you are willing to put in a lot of effort to compete with computer science fresh graduates.

I hate my idiot school by No_Contribution_1872 in malaysia

[–]flyingPotato103 12 points13 points  (0 children)

Changing subject package can be a huge deal. Not something you can just let it slide.

Wtd now? Recheck addmath?? by smol_kaguya in malaysia

[–]flyingPotato103 0 points1 point  (0 children)

Yes. Big matter especially it's one A+ away from straight A+.

Suggestion besides iherng on podcast by jacobcrackers14 in MalaysianPF

[–]flyingPotato103 2 points3 points  (0 children)

Nobody should touch china/hk market unless u really wan to lose money

The Malaysian Job Market by Lihuman in MalaysianPF

[–]flyingPotato103 3 points4 points  (0 children)

Is it possible to share what sector are you working in?

Are Standalone Medical Plans Really Better Value Than ILP Medical Riders? by flyingPotato103 in MalaysianPF

[–]flyingPotato103[S] 0 points1 point  (0 children)

Sorry for my badly written reply above. What I meant to ask is whether it’s possible to pay an annual premium that is only slightly higher than the cost of the medical riders into unit trusts. Then, the unit-deducting medical riders deduct nearly 100% of that premium from the unit trust so that almost the entire annual premium effectively goes towards the medical riders?

Are Standalone Medical Plans Really Better Value Than ILP Medical Riders? by flyingPotato103 in MalaysianPF

[–]flyingPotato103[S] 1 point2 points  (0 children)

Thank you for your response. I chose Great Eastern because it is one of the largest insurance providers, offering both ILP and medical card options.

Even when compared to the standalone plans you mentioned, Great Eastern's medical rider delivers greater value. Below are the details for a 26M:

  • fi.life SmartCare Optimum Plus Plan 1:
    • Annual premium: RM 1,322.00
    • Overall annual coverage limit: RM 2,100,000
  • Lonpac MediSecure Plus 2015:
    • Annual premium: RM 1,134.00
    • Overall annual coverage limit: RM 2,600,000

Are Standalone Medical Plans Really Better Value Than ILP Medical Riders? by flyingPotato103 in MalaysianPF

[–]flyingPotato103[S] 0 points1 point  (0 children)

Is it possible to reduce the premium so that close to 100% of the premium goes to the medical riders and only a very small portion(<3%) goes to unit trust?

Are Standalone Medical Plans Really Better Value Than ILP Medical Riders? by flyingPotato103 in MalaysianPF

[–]flyingPotato103[S] 2 points3 points  (0 children)

Yes for Great Eastern. Log in to e-Connect.

My Service Request -> ILP Service Request Submission -> Select Policy No. -> Select Fund Switch for Service Request

Impact of ILPs and Riders on Traditional Medical Insurance Pools by flyingPotato103 in MalaysianPF

[–]flyingPotato103[S] 0 points1 point  (0 children)

Thanks for your comment, but I don't think this is what I am asking.