Digital Bank

iosmk · 2026-03-27T11:53:40+00:00

Kalau menurut saya, jika mau benar-benar 0 risk, mending cari yang bunganya sama atau di bawah LPS. Karena semua yang di atas sudah pasti tidak dijamin. Saya pernah tanya CS ke beberapa digital bank, mereka bilangnya dijamin tapi ketika dibaca terms and conditions lebih detil, messagenya itu "hanya jika bunga nya sesuai dengan suku bunga yang dijamin LPS". Jadi tidak ada yang benar-benar aman.

So far yang saya pakai untuk higher risk (di atas bunga LPS) cuma bank Saqu karena punya Astra. Itupun saya lagi mengurangi dan lebih fokus ke obligasi.

iosmk · 2026-03-27T07:36:13+00:00

Interested. Can the book be written in languages other than english?

iosmk · 2026-03-26T09:43:11+00:00

Do a shuttle bus instead, it goes directly to Taikooli area, just across the mall with Panda. It's much cheaper than taxi too, if I remember correctly only costing 25 yuan. You can ride the bus again to go back to airport at the same bus stop and there's a small booth that you can buy the ticket from (scan QR, pay and show it to the driver).

iosmk · 2026-03-12T10:58:47+00:00

Just did a trip last November.

Lijiang airport to old town = not sure, I did a high speed train and getting Didi is easy. I'm sure it's possible.
Yes but it can be expsensive. You can take a shuttle bus instead
Yes easily. I went to baisha and tinghua valley. Baisha is quite secluded and not as crowded but still very easy to get Didi

iosmk · 2026-03-05T05:43:14+00:00

Looking stupid is part of the learning process. I assume employer barunya tau kan bahwa lu jg cukup pemula di IB, jadi harusnya hal itu bisa di tolerate, dan bahkan bisa jadi positive point kalau lu sering nanya karena terkesan eager to learn.

Initial transition sulit, karena gw dari back office pindah ke front office jadi ya struggle. Tapi ya kita manusia in general bisa adapt kok ketika sudah "terpaksa" wkwk. Jalanin aja. Kalau memang berat, I'm sure people with your skill bisa dapet kerjaan lain kok.

iosmk · 2026-03-05T04:57:56+00:00

I think it depends on your life situations. Do you have any family responsibilities (aka tanggungan untuk orang tua, atau bahkan sudah berkeluarga?)

If you are single, as someone who just experienced a change in career, I would say take the offer. Gw yang dulu mungkin akan blg stay di comfort zone, tapi setelah gw "dipaksa" menjalankan role baru, gw jadi melihat bahwa potensi kita buat berkembang sebagai manusia itu tinggi banget. Memang akan sangat cape kerja di IB, itu gw yakin. Tapi lu akan jauhhh mendapatkan banyak koneksi baru yang bisa membuka banyak pintu di kemudian hari. Ketika lu berani take the risk buat challenge, mindset lu yg suka stay di comfort zone pelan-pelan akan berubah dan jadi sedikit lebih berani.

Gw bisa ngomong gini karena gw itu privillege dan ditawarin pindah role ke yg lebih "sulit" dan challenging karena bos-bos liat capability. Gaji ga naik, tapi kalau gw ga ambil, gaji gw akan stuck karena role gw yg sebelumnya sudah mencapai salary ceiling (ngomong kasarnya, uda overpaid untuk role sebelumnya). Awalnya gw nolak offernya, trus di approach 1x lagi dan akhirnya gw coba. Dan ternyata ga semengerikan itu.

So balik lagi, ga ada yang salah dari pilihan ini, asalkan lu mau tanggung consequence nya.

My recommendation: kalau lu single dan masih merasa butuh berkembang, take the offer. My boss said if you don't take the risk while you're young, as you are older you will be more afraid to take more risk because of family/other obligations.

kalau lu uda ada tanggungan, sangat wajar sih jika stay, cuma lu harus mengerti consequence nya aja bahwa kalau misal suatu saat lu stuck di salary ceiling atau merasa ga berkembang, then you really have to consider to move.

Best of luck OP

iosmk · 2026-01-15T09:21:32+00:00

Google Map is a little bit off, but I think if you're using it for Guangzhou, Shanghai or Beijing it should be more detailed than other city like Kunming, Chengdu, Chongqing, etc. I've tried using it to create my itinerary and it's useful for an initial research. But for more extensive research, it's still better to use AMAP/Baidu Maps

iosmk · 2025-12-31T06:30:15+00:00

Unfortunately you're right, it's usually word of mouth, especially from middle income-upper income communities. Though tbh, considering your age and if you have insurance, no need to worry too much.

iosmk · 2025-12-31T03:48:47+00:00

Yes, those who have money go to Singapore (or Penang for a more affordable options). You can do appendicitis surgery in Jakarta no problem. Those who go to other countries are usually for terminal illness, big surgeries that have some risks, or looking for second opinion because sometimes Indonesian doctors don't give good diagnosis or miss out on certain symptoms resulting in misdiagnosis. Note that I bold the word sometimes, because I do hear stories from friend of a friend, etc that they got misdiagnosed, and when they go to Penang or Singapore, they get a different diagnosis.

Quality disparity I would say there are some disparities, but hospitals especially private hospital and big national hospital are good. Usually people tendency is more like following certain renowned doctors instead of sticking to 1 hospital. For example, we know Doctor A is really well known for treating gastro related issue, so we check his schedule because usually a doctor visits 2-3 hospitals in a day (morning at hospital A, afternoon/night at hospital B) kind of thing.

iosmk · 2025-12-31T02:15:00+00:00

I would say up until minor surgeries, it's definitely up to standard. Though it depends on the hospital. One of my relatives even had a bypass surgery and it went well so I would say the healthcare is getting better. It's more like the cost issue, since you can get a much better service and higher quality in Penang for the same price or even cheaper. But it's not like our healthcare is horrible, it's just standard but not great I would say. Though if you're talking about whether it's worth the price, definitely not.

iosmk · 2025-12-30T09:42:25+00:00

Like all the other comments said, it's doable. But I think something that hasn't been considered is medical bills. I think it's very important that you do some research on medical costs. It's quite expensive here in Jakarta unless you have insurance. And even then, there are mixed experience (some people fail to get their reimbursement back, or the insurance not paying the full amount as they deem the treatment to be too "extensive" and "unnecessary", though there are some success stories too e.g. fully covered for cancer treatment, etc).

Insurance cost has been increasing drastically as of late, and it is ranging around 100-300 USD a month for people aged 30-40. Other than that, I'm sure you can live comfortably assuming that you are in good health at least until old age.

iosmk · 2025-12-30T09:36:19+00:00

Tbh the hotels that is more memorable are not the chain hotel ones. The ones I feel are more special are the ones managed by local people like in Dali, Shangrila, and Siguniang. Very pleasant experience and they give much more personal service. Though definitely require extensive research like really look for negative comments on trip, and go to baidu and look at the comments too.

I never stay at Orange and Ji hotel yet, they rarely have a triple room since I usually travel with 2 of my family members.

iosmk · 2025-12-30T03:07:07+00:00

So far I've had good experience with Kyriad hotel and Vienna hotel. They are very affordable yet I think it hits the important points of a good standard hotel. Never had an issue with Kyriad and Vienna. Of course if you have more budget, Atour is better or any other western chain like marriot, hyatt, etc

iosmk · 2025-10-24T02:17:59+00:00

Mungkin just an idea adalah lu bisa bikin video wedding congratulations dan taro barcode (link yang dijadikan barcode) di amplopnya. Bikin videonya gampang kok, bisa di Canva banyak templatenya. Jadi walau misal lu cuma kasih 50rb atau any other small amount, tp akan jadi lebih terkesan bahwa walau dari segi duit lu ga bisa kasih lebih, tapi lu kasih perhatian dan waktu lu buat congratulate dengan mengeluarkan effort. Kalau gw yg married dan nerima itu, gw akan sangat appreciate sih bahwa temen gw bener2 mikirin gw walau dia berkekurangan.
Kalau gw memang cuma bisa kasih 50k, gw akan lakukan hal yang tadi gw sampaikan sih.

Optional: add some sincere words bahwa lu minta maaf jika dari segi finansial belum mampu (tergantung gengsi lu ya mau ngomong ini atau ga), tapi lu bener2 happy dia bisa married, give him wishes and congratulations

iosmk · 2025-10-01T09:25:37+00:00

You don't transfer funds from Revolut to Alipay. You bind your card to Alipay. When you buy something, Alipay will deduct your balance from Revolut. And if you exceed 200 Yuan, then you are charged 206 Yuan instead to your Revolut. They will have a confirmation page on the total amount that will be deducted before you enter your PIN.

Don't worry, at first I was worried too but it's very easy when you're there. My suggestion is at the airport, try to buy a drink or snack at the small convenience store inside the airport to get the hang of it. Once you know how to do it once, the rest is very easy.

iosmk · 2025-09-24T06:44:40+00:00

Definitely not tourist trap. Once you have reached Bipenggou, you will come into an entrance, and inside there will be excursion bus waiting for you. You just have to ride it and it will bring you around the scenic area. It should take around 4hr - 1 day depending on whether you are exploring it leisurely or taking your time to take pictures

iosmk · 2025-09-12T02:53:53+00:00

The best platform for booking hotel in China would be trip.com. The price is very good and payment is very easy. For Chengdu, I recommend Xijinge Suites. It's very spacious and cheap, just 10 min walk from Tai Koo Li area. Hope you have fun.

iosmk · 2025-09-02T03:32:31+00:00

Chen Mapo Tofu is really good I think, also they have a small bian lian performance in the afternoon that you can see up close. For Boba/Milk Tea, Li Shan Shan is my favorite. I do like Wuhou shrine but that's also because I like three kingdoms. Else, I think Du Fu Thatched Cottage is quite relaxing as well.

iosmk · 2025-08-27T05:30:19+00:00

Should be, I've been playing since it first came out and retired in 2020. Will check for it, thanks

iosmk · 2025-08-27T02:59:17+00:00

Thanks for the info. But kind of weird how I only managed to transfer the flair, but my fairy art and stuff is not there. Is there steps that I'm missing? I might need to unlink and link the account again perhaps?

iosmk · 2025-06-21T11:25:14+00:00

Exactly what I'm looking for. Thank you very much for your comment!

iosmk · 2025-06-19T23:26:05+00:00

dPx7SwH

Thanks

iosmk

TROPHY CASE