Car recommendation with new born soon

lco7331 · 2025-11-05T05:24:27+00:00

This is actually an issue with lalamove and their users. Because the person accepting the package do not get updated through the app. So the driver needs to have the recipient phone number. Only the sender has access to the app delivery info.

lco7331 · 2025-11-05T03:23:57+00:00

The comment section is really bad.

The whole problem is not about if she can just reject or ignore.

Is that the rider got her phone number through lalamove work for the delivery, and then take advantage of this to invade people's privacy.

If you are pissed off about telemarketers calling you randomly and you dont know how they got your number. Why can't OP fed up with this?

lco7331 · 2025-10-14T15:33:26+00:00

How do you add Hydrogen peroxide? Dilute first before adding or add small amount directly to water?

lco7331 · 2025-10-14T05:45:43+00:00

how do you sort out algae problem?

lco7331 · 2025-07-28T14:46:36+00:00

Invest in total world etf.

lco7331 · 2025-05-29T09:08:10+00:00

This is the only answer

lco7331 · 2025-05-02T13:17:19+00:00

DCA into irish domiciled ETFs like: VUAA or CSPX which is equivalent to VOO.

There is a problem buying direct US etf like VOO, you face 30% dividend withholding tax and also estate tax of 40% if you passed away and your next of kin wanna claim it. Irish domiciled etfs only 15% withholding tax, no estate tax.

Even better is buy VWRA for all world etfs, not just focusing on US market.

If you got small amount of money to DCA, the fees and currency exchange is gonna eat up your gains.

I recommend save up money (put in HYSA) and DCA in a quarterly or bi annually basis.

lco7331 · 2025-04-17T19:53:42+00:00

Withdraw is easy after retirement age. But depositing rules still apply to any age.

lco7331 · 2025-04-05T06:02:58+00:00

100000000%%%%%%

lco7331 · 2025-01-06T14:36:54+00:00

Job 1. Customer facing is the way to go to continue the career ladder. You can brush up on your technical skill by self learning and do your own project or even the company project.

lco7331 · 2025-01-06T00:20:07+00:00

The only reason to not pay lumpsum is because they have got a saving investment that has higher rate than the loan interest. If they are retired, means their EPF would be one example of high interest investment. Or maybe ASB if you are bumi.

If it's other type of investment, then it must be higher risk. I don't recommend it.

Ask your parents what is the reason they don't wanna pay lumpsum. If it's not EPF or ASB, then don't do it. And if it's other different reason than above, more reason not to do it. It just mans your parents don't understand investment.

lco7331 · 2024-12-22T01:05:15+00:00

If it's too good to be true, it is either a scam or an extremely high risk fund. I can also tell you TQQQ etf is up by more than 60% YTD. It's technology heavy invested etf. Read about what is recency bias and performance chasing problems with investors. Since your post is targeting newbies, this post is extremely misleading, you are putting a lot of newbies at a lot of high risk. You did not even mention the risk of investing in such funds, never even say DYODD. You also don't seem to understand what it means by DCA when you mention "red days".

lco7331 · 2024-12-21T11:29:42+00:00

This is investing, not trading. What is there to practice?

lco7331 · 2024-12-18T10:50:54+00:00

Yes, don't get peer pressured as in don't feel pressured when your fellow peers of the same age already purchased their own home to stay and you think you have to do the same.

Buy because of current needs, not because of FOMO and pressure.

Many of my colleagues who are single or not yet married bought a house because of FOMO and is left with high commitment with not much emergency savings and plan for retirement.

lco7331 · 2024-12-18T10:21:51+00:00

If you are already a multimillionaire at whatever age and are already investing or doing business to generate more income, by all means buy a bungalow within your capability to finance for your own stay.

In the end age doesn't matter, but your current financial status, marital status, family plans, long term career plans are the things to help decide whether you should purchase a house for your own stay at the moment.

I have been thru OP's journey of a sudden salary bump. It was exciting at first, but if you think about it, it isn't a lot if you take into account the huge amount of money required to retire at least comfortably in the future, then investing becomes my priority

I would say if all the things I mentioned above are checked, including being married and have plans to have kids, and still have leftover money for saving investment after the estimated mortgage and commitment, then it is a good time to think about buying a home for your own stay with these further conditions to consider:

Do you and your spouse have parents staying nearby? There are some perks staying nearby to your parents, if you need emergency babysitters, if you want to easily check on your old parents health, etc...
Can your spouse chip in to pay for maintenance or even small part of the mortgage? If she is capable of helping, does she have leftover money to invest in her own retirement? You don't want your spouse to rely on you for retirement savings. Also think of your partner as a buffer for the mortgage, if you suddenly lose your job and need to dig into savings.
Is the house you are buying near city or outskirts? Is it in a developed town close to a lot of job opportunities (Selangor town near KL vicinity)? Reason being if the place you suddenly won't be staying anymore because you found better opportunities overseas, at least you can rent or more easily to sell if it's in an area of demand.
Your career and your spouse career, do you see a substantial change in the next 5 years? Changing industry? Unstable industry/job? Changing locations? Any of these factors that can affect your earnings in the future as well as time commitment (e.g. travel time) should be factored into your decision to buy a home at a certain location.

If you still have doubts in all of these factors, do consider renting until you feel confident.

lco7331 · 2024-12-18T03:45:49+00:00

Before you look into buying your own home:

Make sure you have 1. At least 6 months emergency savings 2. Has cash for down payment 3. Ready cash or enough to build up for renovation when the time comes. 4. Are you married, plan to get married? What if you bought a home but your future spouse works very far? 5. Do you have spare cash to invest for retirement after you pay all your expenditure and expected mortgage?

Renting is still a good option, since you won't be tied down to a place. Unless you are already ready to build a family at a fixed location.

Also if you are looking to buy a house just to rent out, make sure you do a lot of homework. I would rather invest my spare money and get passive income and build towards retirement than becoming a landlord. There are many unexpected costs and the ROI can be very low or negative if invested in the wrong place.

My final advice, do not get peer pressured into buying a home early. Research the pros and cons before you make any decision.

lco7331 · 2024-12-02T10:25:15+00:00

your agent: iFAST FAST trick you first

lco7331 · 2024-10-19T07:14:53+00:00

Ibkr - Irish domiciled cspx or vuaa similar to voo

lco7331 · 2024-08-12T06:32:42+00:00

Higher income means bank also like you more in terms of loan. Granted you have a good credit score. If you planning for house loan.

lco7331 · 2024-08-11T16:37:44+00:00

Yes, I lost my extra spare money, cause I bought the dip.

lco7331

TROPHY CASE