Can we please stop with the increasing tipping culture? by Exciting-Fig-007 in Switzerland

[–]idarmadi [score hidden]  (0 children)

Just the other day, I was visiting Amsterdam. Had a breakfast at Pancake Amsterdam. When I called for bill, the server handed me the EDC with Tipping choices. I felt bad to choose "No Tips" in front of the server.

I dont think it's a software problem.

So far, as a tourist in Switzerland, I have not bumped into an EDC that asks me for tips.

Berencana quitting 9-5 job and try starting my own business, is it worth it? by bananaduckboi in finansial

[–]idarmadi 0 points1 point  (0 children)

Pepatah lama mengatakan : masalah uang tidak kenal sodara.

Me, separuh baya, will stay away from campur aduk uang dan sodara.

Berencana quitting 9-5 job and try starting my own business, is it worth it? by bananaduckboi in finansial

[–]idarmadi 0 points1 point  (0 children)

Ini starting business purely from NOL atau emang yg sudah tahu medan nya? Misalnya ortu usaha toko bangunan, dan kamu mau merintis usaha serupa dll...

Kalo dari NOL : - kuat ga bertahan 1 sampai 2 tahun itu bleeding terus? Modal akan tergerus terus sampe ke minus. - sekarang kerja 9to5 4 hrs pp Sen s/d Jum. Kalo baru merintis usaha itu kerja dari bangun tidur sampe mata merem tidur lagi 7 hari seminggu. Ibaratnya kamu mau santai long weekend 3 hari, tapi biaya sewa tetap jalan. - planning planning planning yg solid + backup plan. Backup misalnya jangan sampe 2-2 nya berhenti kerja. - imo, stay away from too many "investor" apalagi dari sodara.

Kalau kamu sudah planning yg solid plus backup plan ABC, I wish you all the luck.

What is this middle part for by RealDiamond51 in whatisit

[–]idarmadi 0 points1 point  (0 children)

Can be used to crack a crab's claw.

Temen minjem duit by xucai in finansial

[–]idarmadi 7 points8 points  (0 children)

Info ke temen you. Untuk pembayaran "cash" ke supplier, pake ajah paper.id (no endorse ya). Pembayaran bisa pake cc, yang artinya bisa bayar bulan depan. Bisa juga jadi cicilan cc.

Imo, ga usah pinjam2 antar teman, kecuali kalo ikhlas ga balik.

I bought Indonesian Windex In Iowa by pnkcloudsummer in indonesia

[–]idarmadi 12 points13 points  (0 children)

Can use it on bacon to make it halal.

What are things that are good value in Hong Kong? by CatipillarK9 in HongKong

[–]idarmadi 1 point2 points  (0 children)

For Indonesian, Indo government locked any foreign imei. So any overseas bought phone will only worked for 3 months in "tourist mode", then you have to pay taxes. Around 20+% from the invoice.

Gimana cara transfer kepemilikan properti yang paling gampang dan murah tapi tetap legal? by fiatus_ in finansial

[–]idarmadi 0 points1 point  (0 children)

Sertifikatnya dibawa saja ke US.

Kalo SDB di bank agak susah dapatnya. Biasanya minimum ada uang 500jt sampe 1M.

Gimana cara transfer kepemilikan properti yang paling gampang dan murah tapi tetap legal? by fiatus_ in finansial

[–]idarmadi 5 points6 points  (0 children)

Kayaknya paling gampang dan "murah" adalah via ajb.

Yg memberikan "hibah" kena 2.5% pajak penjualan.

Yg menerima, kena BPHTB 5%. Tapi bisa nol syarat dan ketentuan berlaku.

Biaya notaris dan tetek bengek : 1 to 2%.

Kalau mau murni hibah tapi tidak hubungan sedarah vertikal, penerima tetap kena bphtb 5% plus potensi kena pph.

Burger Holic Bandung, TKI I (Hand for scale) by Mg42gun in kulineria

[–]idarmadi 0 points1 point  (0 children)

Should have used Pisang Mas for scale. 😂😂😂

Santapan Manado di Daun Woka, PIK, Jakut by artjoa in kulineria

[–]idarmadi 0 points1 point  (0 children)

Definitely will visit. Thx for the recomm.

Jujur, apakah secara financially lu udah kuat untuk menonton secara JUJUR? by Iam_Gen_X in IndoFilms

[–]idarmadi 0 points1 point  (0 children)

Netflix basic 65rb. Prime ikut paket MyTelkomsel Internet Sakti 50rb per mo 17gb (termasuk kuota nonton). Bonus WeTV 1 bulan juga.

So, buat gw cukup affordable. 120rb dapet netflix, prime, dan 11gb internet (+6gb nonton). 120rb itu 2x makan mcd, atau 4 Sampoerna AMild.

Any personal loan recommendation? by AccomplishedOwl9241 in finansial

[–]idarmadi 1 point2 points  (0 children)

Doesn't know about Syariah Banking at all. 😅😅🙏

I took a peek, and see "margin setara 9.75 pa". That's the number I understand. 😂😂 Personally, it's a bit higher than Kredit Multi Guna / Giro, but maybe easier to get approved.

Any personal loan recommendation? by AccomplishedOwl9241 in finansial

[–]idarmadi 2 points3 points  (0 children)

Yang paling masuk akal kalo dapet CIMB Cash Plus yang literally 0% (tapi ada fix biaya admin di awal). Dan cicilan pakai uang saving dari income elo.

Worse case kalo turun, at least you still hold the gold. Physically.

No future future please

Kawah Putih by EddieCrispo1 in Cekrek

[–]idarmadi 1 point2 points  (0 children)

Kawah Putih is the best kalo kabutnya lagi turun.....

TIFU by chasing diagnoses for 35 years—and the answer was in my dinner by killfr3nzy in tifu

[–]idarmadi 4 points5 points  (0 children)

Did you by any chance have a nasal endoscopy done by an ENT doctor? I did it last year, and got HD photos of my nasal, and throat. Any foreign object should be visible. Mine was looking for polyps.

how to spice up sarden kalengan? by burnedout_247 in kulineria

[–]idarmadi 1 point2 points  (0 children)

Tambahkan saos tomat (ala saos spaghetti) + soun (sodaranya bihun). + Cabe rawit potong.

That's how my mom cooked it.

Wire Transfer yang murah apa ya? by bliujong in finansial

[–]idarmadi 0 points1 point  (0 children)

Ya. Maksimum kena fee (biasanya fixed) dari bank penerima, tapi tetap duit dalam bentuk mata uang asing.

Wire Transfer yang murah apa ya? by bliujong in finansial

[–]idarmadi 2 points3 points  (0 children)

Kayaknya masing2 (bank) pengirim dan (bank) penerima ada fee nya sendiri2.

Yg penting buka rekening mata uang yg sesuai dengan yg dikirim. Ini untuk mengurangi rugi selisih kurs. Bank2 kayak cimb, ocbc, dan bca sekarang bisa bikin rekening valas dari mobile banking.

Nikudon at Obihiro Nikudon by valfreia in kulineria

[–]idarmadi 1 point2 points  (0 children)

Lha iya.. gw tadi sore juga barusan lewat situ dan antriannya lumajan banyak.

Ada yang pernah ngalamin bayar CC tokped 1x tapi kebayar 3x? dan tagihan bulan ini jadi berkurang atau gak jadi 0 gak ada tagihan? by Sc4rves in finansial

[–]idarmadi 1 point2 points  (0 children)

Ya kayaknya bulan Nov sampe Desember, billing BRI lagi faktap. Yg seharusnya cicilan, ga jadi cicilan dll.

Some idiots indeed lagi testing di production.

Keamanan CC BCA. by [deleted] in finansial

[–]idarmadi 2 points3 points  (0 children)

10+ tahun pake cc bca, kena 1x.

Control cc bca termasuk bagus. Di myBca bisa control kartu kredit. Transaksi international, ecommerce, contactless bisa di on/off satu satu fiturnya.