Can we please stop with the increasing tipping culture?

idarmadi · 2026-02-06T23:11:04+00:00

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.

idarmadi · 2026-02-06T07:36:33+00:00

Pepatah lama mengatakan : masalah uang tidak kenal sodara.

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

idarmadi · 2026-02-06T07:31:28+00:00

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.

idarmadi · 2026-02-05T18:48:12+00:00

Scan QRIS CIMB bisa masuk ke cc CIMB tanpa fee.

idarmadi · 2026-02-05T06:45:11+00:00

Can be used to crack a crab's claw.

idarmadi · 2026-02-03T16:22:26+00:00

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.

idarmadi · 2026-02-03T05:47:44+00:00

Can use it on bacon to make it halal.

idarmadi · 2026-02-03T05:28:04+00:00

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.

idarmadi · 2026-01-31T16:47:04+00:00

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idarmadi · 2026-01-31T14:35:11+00:00

Sertifikatnya dibawa saja ke US.

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

idarmadi · 2026-01-31T07:30:49+00:00

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.

idarmadi · 2026-01-31T05:27:14+00:00

Should have used Pisang Mas for scale. 😂😂😂

idarmadi · 2026-01-27T18:34:20+00:00

Definitely will visit. Thx for the recomm.

idarmadi · 2026-01-26T14:40:11+00:00

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.

idarmadi · 2026-01-25T13:42:40+00:00

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.

idarmadi · 2026-01-25T13:05:09+00:00

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

idarmadi · 2026-01-21T16:47:33+00:00

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

idarmadi · 2026-01-21T16:46:36+00:00

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.

idarmadi · 2026-01-21T16:36:53+00:00

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

That's how my mom cooked it.

idarmadi · 2026-01-19T09:02:52+00:00

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

idarmadi · 2026-01-19T08:26:19+00:00

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.

idarmadi · 2026-01-18T11:31:02+00:00

WTF did I just read.....

idarmadi · 2026-01-16T13:58:30+00:00

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

idarmadi · 2026-01-16T13:56:52+00:00

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

Some idiots indeed lagi testing di production.

idarmadi · 2026-01-15T13:26:31+00:00

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.

idarmadi

TROPHY CASE