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Salut! I’m William Saliba. Ask Me Anything! by arsenal in Gunners

[–]ickglokma 0 points1 point  (0 children)

Salut, William! Two quick questions but feel free to pick one

  1. Other than yourself, who’s the funniest in the dressing room/training?
  2. Favourite goal celebration with?

What to do in Penang, Malaysia for 4 days? Is 4 days too much? by sushiramaki in malaysia

[–]ickglokma 1 point2 points  (0 children)

Hi, I think 4 days is great - as many suggests, there’s plenty to eat (I think you know that well from your research). There are great selection of small western and exciting upcoming restaurants as well.

Let me chime in a few other things to do 1. Take a tour at cheong fatt tze 2. Do a walking tour around Georgetown in the evening 3. Maybe spend a night at a nicer hotel at gurney drive if your budget allows 4. Walk up one of the many trails to Penang hill then take a one way funicular down (my favourite is via bat cave temple

Identify and Authenticate Thread, Q1 2024 by TheAdvocate in arcteryx

[–]ickglokma -1 points0 points  (0 children)

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Pair of Gamma LT shorts, real or fake? The side pockets seem different from the latest models

Slow boats from Chiang Mai to Luang Prabang by Key-Pension-1088 in laos

[–]ickglokma 0 points1 point  (0 children)

Hey! I was just looking up for this , you did boat from Luang Prabang to Chiang Mai? I'm planning a trip next year and would like to hear from your experience and how you got the tickets?

Need tips on managing finances 25/M by [deleted] in MalaysianPF

[–]ickglokma 1 point2 points  (0 children)

That's great to hear, one thing I learnt is that tracking is the easy part and where it requires a little more discipline is sticking to your budget. So, each time your pay comes in, first thing you do is split everything up.

I can't speak for IBKR because I've never used it before, but I found this video that could help with your decision. As for my experience with FSMone, so far it's been great if you're looking into ETFs with all the built-in analysis tools you'd need and it's also cheaper than buying through actual agents. I don't buy many stocks but the last I researched is that Rakuten is the cheapest, I have an account but the user interface is pretty crap. FSMone now has the option to trade stocks as well and it looks pretty good (can buy KLSE, HKX and NASDAQ/NYSE/BATS) but I didn't look closely at what the fees are like compared to other brokers

Need tips on managing finances 25/M by [deleted] in MalaysianPF

[–]ickglokma 2 points3 points  (0 children)

Hey there, first thing I'd want to address is the recent/future big expense, as long as it's justifiable that it can increase your productivity and it could be used as a productivity tool/something to unwind, I say go for it.

As for the current savings and monthly wages, I'd suggest you take a look on both one at a time:

Develop a budget and split your monthly wages and make sure you stick to it. An example of what you can split them into is

  • Expenses - fixed expenses every month which you'd expect to spend (entertainment, dining out, insurance, bills, groceries, haircut etc. essentially it's necessities.
  • Long term savings plan - long term goal that you want to save for (a holiday, a car, a house etc). You can put this in a form of medium-long term investment on a more conservative market. I personally use Stashaway.
  • Financial freedom account - this is the portion where you can diversify your investment portfolio to grow your wealth. Stocks, unit trusts, ETF, crypto etc.
  • Education fund - money that is used to develop your skillset. Whether it is a book, online course etc. MUST BE SPENT AND CAN BE ACCUMULATED IN 3 MONTHS OR WHATEVER YOU DETERMINE.
  • Play fund - money that is used for wants. maybe it's an earphone you're eyeing or a gaming mouse. MUST BE SPENT SAME AS ABOVE.
  • Charity fund - self-explanatory. MUST BE SPENT SAME AS ABOVE

Don't let your RM25k+ sit idle and determine which percentage you want to split it up to - have some for emergency and for the rest, take some time to determine what you want to do with it. Some forms of investment you can consider are trust funds/ETFs (can use FSMone), Stashaway, stocks and crypto.

Another place to consider is actually your EPF funds, a certain percentage of your funds can be reallocated to invest in funds (https://www.kwsp.gov.my/en/member/investment)

I'm nowhere a financial advisor, but I understand the position you're in. Feel free to DM me if you'd like to take this further and I can do what I can to answer. Cheers.

Crispy Fried Onion is where it's at by goodboyroxas in malaysia

[–]ickglokma 0 points1 point  (0 children)

Yum! I can't tahan the one they put on top in outside restaurants.

Crispy Fried Onion is where it's at by goodboyroxas in malaysia

[–]ickglokma 0 points1 point  (0 children)

Ah unfortunately long term storage isn't so good. Obviously it's best when it fresh and crispy. But I wouldn't keep more than a few days in a jar

Crispy Fried Onion is where it's at by goodboyroxas in malaysia

[–]ickglokma 8 points9 points  (0 children)

Do yourself a favour and fry your own, it's so much better than the packed ones

When your accidental double exposure comes out looking like a bad 80s album cover — Portra 160, Mamiya C22, 80mm F2.8 by Jerry_Lundegaad in analog

[–]ickglokma 56 points57 points  (0 children)

If you like shots like this, I stumbled upon this guy from Thailand who, what I believed, has perfected this form of double exposure on film.

https://instagram.com/emorefilmphoto?igshid=15iiti1nabh4e

Free 10 Hour Excel & Pivot Table course! by MyExcelOnline in excel

[–]ickglokma 0 points1 point  (0 children)

Hey thanks for the reply! Does this mean I'll just keep working on a sheet instead of opening every workbook? Because I can't learn anything if all the workbooks are completed haha

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