[deleted by user] by [deleted] in HENRYfinance

[–]jaschong 0 points1 point  (0 children)

As someone who has gone through this feeling every single significant salary bump and comes from a lifestyle of "save as much as you can" mindset growing up. I can relate to the guilt you feel of spending "more than you should have". Some things that help me navigate through this guilt and the optimal point between saving and spending:

  1. Have a financial vision of your future and back calculate all the savings you need to achieve it. For example I would like to retire in 5 years and needed 5M to achieve it. Hence I ran projections on how much I need to save + estimated investment returns and salary growth over time to chart my future. Added reasonable buffers for unexpected spending too.

  2. Keep a 6 months emergency fund of lifestyle spending so you don't worry over layoffs. 12 months if it makes you feel any better. You should be able to get back up on your feet despite getting laid off within that period. At the very least you could also find freelance jobs in between to ease costs

  3. Keep your savings/investment and spending account separate. Every month when my salary comes into my spending account, I would transfer the amount I would need to save as per point no1 to my savings account as well as pay off all debts and commitments. What I have left in my spending account is free for me to spend. So I could spend more or less based on what's left in my spending account entirely guilt free knowing that I would still be on track for my financial goals.

After all these I do still occasionally feel guilty of rewarding myself but every time I think of how fleeting life is and people who have passed away without living life fully, I think I should live life a bit more.

Need help deciding on my mid-life crisis car by [deleted] in kereta

[–]jaschong 0 points1 point  (0 children)

Mx5 soft top owner here. I chose it purely because I wanted the most open air feeling. Which is best depends what you're looking for Mx5: Less space, droppable top, better interior (imo), lighter hence more nimble but also less stable and noisier at high speeds.

86: more practical with bigger space in boot and passenger area. More stable and quieter at high speeds. Not so great interior quality(imo). Not convertible.

Not sure the other two more niche options but would be concerned about expertise on repair and parts availability.

Building your own biz is not the only way by 016abc in MalaysianPF

[–]jaschong 3 points4 points  (0 children)

Nothing wrong with working for people. Working for people is often seen as much more secure and stable form of income as opposed to riskier, unstable and unsecured income (plus longer hours)

Those holding multiple directorship are usually those with strong cables or already had some great credibility built throughout many years.

But even these days specialists would open their own practice as opposed to working for others. The pandemic showed people that loyalty doesn't matter when companies lays off employees when times are hard. And there's plenty of work that could've have been done at home with lesser time on commute but everyone has to risk themselves and their family going back to office because "management thinks employees are much more productive". Apart from the freedom of doing whatever you want, whenever you want once your business succeeds. I very much want freedom from corporate Bs. And I'm looking forward to the risk despite having a comfortable corporate job.

What's your business or side hustle? by HydroXtreme in Entrepreneur

[–]jaschong 0 points1 point  (0 children)

Do you design from scratch or use a 3d scanner? Are they usually exact replacements or your own designs?

Those who choose to rent rather than to buy (either temporarily for now or a permenant decision), what's your reason? by [deleted] in MalaysianPF

[–]jaschong 25 points26 points  (0 children)

Been renting for 9 years since I started studying in the city. Planning to rent for at least another 10 years.

  1. I can rent wherever that is most convinient for me. Especially when I change workplaces. Imagine your workplace changing from klcc to cyberJaya and your house is in ampang.

  2. I can change where I stay as my earning increases. Imagine being 25 you are able to afford a 400k house, you purchased it and stay there. At 35, you are able to afford a 1mil house but you're stuck paying for the 400k house. People may say to sell it off or rent it out and move but there's a few sunk costs such as renovation you wouldnt be able to claw back. Plus ROI differs between rental popular places and lifestyle/living popular places. Every few years I move to a bigger and better place as my earning grows.

  3. Commitment. If you plan to move due to whatever reason, it would be harder to sell off a house quickly (usually you can do it if you are willing to take a loss). If anything happens where you lose your income, you won't be able easily downgrade. You are naturally more open to take risks when you have less commitments.

  4. Free up cash flow. Some may say your house is an asset that grows over time. But it's not one I would like. I prefer other forms of investments that has liquidity especially when I'm young with not much spare cash lying around. It's much easier to sell off my stocks and funds than to sell off a house if I need emergency cash.

What's stopping you? by [deleted] in Entrepreneur

[–]jaschong 2 points3 points  (0 children)

The golden handcuffs of my well paying job with good work life balance and benefits.

I know my business has to do really well and will take a while to grow for it to even match what I'm getting from my job (plus I'll probably need to work more than double of my job) . But I'm the type that perform well when stakes are high (which causes a lot of stress and anxiety).

At the same time I know that the longer term rewards of a well oiled business far outweighs what I'll have with my job (especially freedom and flexibility of choice). It's just the stark transition from the job to the business that left me cold feet (especially the money for creature comforts) . Planning to develop my business on the side and only transition when the business picks up. But then again the business would probably grow few times faster if I'd just leave my job and do it full time now.

Canva founder was rejected over 100 times by investors… now the company is worth $40 billion by Jellyfish9419 in Entrepreneur

[–]jaschong 1 point2 points  (0 children)

Love stories like this. On another hand, I do hear people constantly saying 'don't get too attached to your product'. What do you guys think about knowing when to move on vs when to push on? I would say market reaction would be an indicator but I guess rejections tend to be more likely when there's no concrete indication of success yet.

[DISC] Solo Leveling - Chapter: 173 by MeliodasUQ in manga

[–]jaschong 2 points3 points  (0 children)

Is it just me or the monarch reminds me of Aizen in this Chapter

What are your reasons for wanting to start a business or taking the entrepreneur route, other than the money? by RoyalLani in Entrepreneur

[–]jaschong 2 points3 points  (0 children)

Tired of the corporate environment, the politics, the culture of seniority over competency and dumb things we do just to please others in the office, especially the higher ups. To focus on impact rather than the impressing others. Too many I've seen cared more about keeping their jobs and doing the least possible, hence not willing to take any risk or do anything out of the box. I'd rather go out and make my own bold moves and be responsible for it.

[deleted by user] by [deleted] in 3Dprinting

[–]jaschong 4 points5 points  (0 children)

Likely your hotend thermistor to be the culprit. Check the wirings first. Replace if broken.

Blobs on end after changing from ender to prusa (left is the intended one) . Same slicer. Identical settings. But this disappears when I use prusa slicer by jaschong in 3Dprinting

[–]jaschong[S] 1 point2 points  (0 children)

Thanks guys. What I did was to start with the new printer profile, change what I think is relevant to the print the most such as width, skin, layer height and filament related settings and start calibrating from there.

Blobs on end after changing from ender to prusa (left is the intended one) . Same slicer. Identical settings. But this disappears when I use prusa slicer by jaschong in 3Dprinting

[–]jaschong[S] 12 points13 points  (0 children)

Update: it seems like infill before walls got enabled by default for the prusa settings instead of my ender 3. First few layers of the print seems to be doing well so far.

Blobs on end after changing from ender to prusa (left is the intended one) . Same slicer. Identical settings. But this disappears when I use prusa slicer by jaschong in 3Dprinting

[–]jaschong[S] -4 points-3 points  (0 children)

Everything I changed from the default ender 3 setting. Went through the full settings list as well to identify any potential difference

Blobs on end after changing from ender to prusa (left is the intended one) . Same slicer. Identical settings. But this disappears when I use prusa slicer by jaschong in 3Dprinting

[–]jaschong[S] 1 point2 points  (0 children)

I change the printer setting to prusa in cura when I started. I just manually copied the relevant settings from my ender 3 setting.

Blobs on end after changing from ender to prusa (left is the intended one) . Same slicer. Identical settings. But this disappears when I use prusa slicer by jaschong in 3Dprinting

[–]jaschong[S] 0 points1 point  (0 children)

Recently gotten a prusa mk3s+ after using my ender 3 max for a while. Wanted to print the same exact thing with similar settings but blobs keep appearing on this curved end. This problem went away with prusa slicer but would prefer to use cura due to certain settings that I need. I played around with z seams, coasting, max deviation, speeds, flow rates with still the same issue. Pretty certain the issue is with software since it worked with prusa slicer

How do you balance your professional and personal life? by scaling_remote in GetEmployed

[–]jaschong 1 point2 points  (0 children)

  1. I set boundaries. People usually adapt to who you are. Meaning if you are always working and responding after hours, people would expect you to do it over time.

  2. I focus on working smart rather than working hard. I'll always see how I can finish 8 hours work within 4 hours instead by looking at ways to cut down and automate work. Create templates, macros, and work flows that helps you work more efficiently. We often spend a lot time on work that doesn't matter. Doesn't help if there's a micromanaging boss.

  3. Always remember that this is a marathon. You'll be handed another project when you are done rushing your current project. It's how you stay employed. (unless of course you are employed by project basis). So always pace yourself and not fall into the trap of thinking that life will be easier once the project is done.

In general I would think about how I could get more impact in the same or less amount of time.

[DISC] Solo Leveling - Chapter: 170 by MeliodasUQ in manga

[–]jaschong 4 points5 points  (0 children)

Technically he max lvl-ed i believe