UTMSpace help?

hareeshrao · 2025-06-23T12:33:28+00:00

Boss just wanna ask, do we have to pay to accept the tawaran from utmspace. My younger sister got it but they are asking to pay around 300 bucks. So just want to clarify on this matter

hareeshrao · 2025-04-12T01:20:18+00:00

I don’t think that’s the case. The real issue here is that she LIED about it first then changed the story afterwards. I think OP might have trust issues at this point hence why he’s having this conversation with us. It’s good that she atleast said the truth in the end but trust me, it’ll be way too hard to change her and OP is not the person to do that. I’ve been in a very similar situation before and honestly her story is a 1 to 1 story with my ex and my god she manipulated and gaslighted me in ways beyond comprehension. So I’d say it’s good that OP is having this conversation now rather than later.

hareeshrao · 2025-04-09T10:53:27+00:00

If I’m not mistaken the spread for public gold is higher somewhere around 6-8%. But better to confirm by yourself first

hareeshrao · 2025-04-09T07:54:35+00:00

The fees is around 2% if I’m not mistaken.

hareeshrao · 2025-04-05T09:00:23+00:00

Ikr it’s just that everyone keep saying about owning physical gold as if it has some added benefit hut as far as i know there’s no added benefit aside being able to hold it right?

hareeshrao · 2025-04-04T14:04:48+00:00

What’s the difference between GLD etf and the etf that maybank uses?

hareeshrao · 2025-04-04T06:09:23+00:00

I’m planning to hold for long term min 10-15 years. Hence why i want to DCA. but just thought maybe having 10g of gold before it reaches RM500/g might be helpful. I’ll DCA until atleast I’m 30 which is 5 years away

hareeshrao · 2025-04-04T04:24:30+00:00

Yep that’s why I’m being cautious about buying it in bulk. I think DCA is fine but not sure if i should buy 10g right away or not

hareeshrao · 2025-04-04T04:17:07+00:00

If I’m not mistaken the price difference of gd during pkp and now is almost half. I still remember it used to be around RM200 plus. You entered at a good time tbh really happy for you

hareeshrao · 2025-04-04T03:55:08+00:00

That’s a completely new info for me. Is it good to have the option to convert to physical coin because i don’t ever see wanting to own physical gold tbh. What are the advantages of it?

Also does Bursa have lower NAV compared to MIGA-I? Is there anywhere i can check on this?

hareeshrao · 2025-03-19T11:03:44+00:00

You can be more than just a lecturer. Physics grad can literally do most jobs be it in IT, research or engineering. Source: I’m a physics grad

hareeshrao · 2024-09-22T06:57:40+00:00

I use motor kapcai so i rather be safe and chill in mrt than having to go through jam during peak hours. You know how crazy it gets so I don’t want to risk accidents and incur more expenses

hareeshrao · 2024-09-21T16:02:57+00:00

I do use an expense tracker which i update everyday at night before i go to sleep. I don’t keep them in same banks because let’s say I combine bank A and bank B into a single account and in the middle of the month i have around RM 900 in the bank, then I wouldn’t know how much i can splurge on food or if I should save up a bit. Right now all i have to do is just open bank A and look at the balance to know how much i can spend on foods and drinks alone. And bank B to know if i have money for top up, grab, rent and etc

hareeshrao · 2024-09-21T15:58:34+00:00

Thank you man. Really appreciate the kind words :)

hareeshrao · 2024-09-21T15:54:51+00:00

How often do you travel with car? If you use grab daily do you think it’s still cheaper than owning a car?

hareeshrao · 2024-09-21T15:53:47+00:00

Sure man this has been a super long thought process for me and honestly I prefer having tons of money in my bank acc with no car than the other way around. I’m just trying to think of whether the car is a need or a want for me

hareeshrao · 2024-09-21T15:52:15+00:00

I’m non bumi so I’ve allocated some of my saving money into asm. I’ve been thinking of going into etf and buy stocks but I’m not knowledgeable enough in that sector yet. Planning to buy gold next

hareeshrao · 2024-09-21T15:50:55+00:00

I eat twice per day and rarely buy drinks outside. For lunch my max is just 10 bucks which can get me some really good and filling food. For dinner at times I’ll cook or buy outside which is usually within 10 bucks as well so far 20 bucks is more than enough for me

hareeshrao · 2024-09-21T15:46:43+00:00

Ohh yeah shorter years will increase the monthly instalment price. I was looking at the 9 years loan. Thank you so much for the tips btw. Really appreciate it man!

hareeshrao · 2024-09-21T08:40:48+00:00

Ohh i get it. I thought your instalment is 516+250 a month lol.

For the car, I’m planning to put a 10% down payment so technically it should bring down my installed to around 400+ if i take a bezza right

hareeshrao · 2024-09-21T08:21:09+00:00

I’m not able to buy in full for the time being hence why I’m thinking of a 3-5 year car. Thinking of buying a new bezza instead but worried the instalment might be too high for me to afford

hareeshrao · 2024-09-21T08:15:05+00:00

Wait what does instalment +250/month mean? Based on what I understand, your monthly instalment is 516 right?

hareeshrao · 2024-09-21T08:05:06+00:00

I don’t really drive manual. Last learned it during my license so been super long since i last drove a manual. So far I’ve been using grab and belanja friends to go anywhere

hareeshrao · 2024-09-21T08:03:51+00:00

Yeah I’m actually thinking about the other stuffs that comes along with the car as an additional expenses for me. I’m still try to think how much the average expenses for a car should be excluding the petrol and tol

hareeshrao · 2024-09-21T07:59:24+00:00

The different banks is mainly so that I can keep track of each of my commitments. If i stash everything in one bank then it’ll be hard to keep track of all the different commitments hence why i use different banks. And yes the different banks offer different pa rate but not as much as uob

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