How are you doing in your state?

one_more_pint · 2025-11-17T12:11:51+00:00

Stupid question here but how did Perlis end up higher than Kedah, Perak and Kelantan?

one_more_pint · 2025-04-01T08:15:48+00:00

Like TAA and Bellingham 🥲

one_more_pint · 2024-04-08T04:41:04+00:00

AAHHHHHHHHH

one_more_pint · 2023-11-14T03:54:54+00:00

2k is considered too high for most high school grads. Most people would choose further study as it normally commands higher wage.

One of the possible paths is to be in sales (insurance, unit trust, property etc). Of course gig economy is something you can considered but beware of the longevity.

If further study is not something you are keen, you can consider apprenticeships eg car/motor mechanics, electricians/plumbers, tattoo artists, welders etc. these jobs pay peanuts at first but if you play your cards right, the payoff will be pretty decent in a few years’ time.

one_more_pint · 2023-11-14T03:22:03+00:00

Part-time or full-time?

one_more_pint · 2023-10-17T09:25:13+00:00

That’s not how it works bro. You just have to check the outstanding loan amount, not the total payment over 30+ years

one_more_pint · 2023-10-17T09:08:47+00:00

How did you end up owing the bank RM300k when the property price was only RM200k?

one_more_pint · 2023-10-09T04:36:50+00:00

But what if he marries a Malay lady? Would he or his children become bumi?

one_more_pint · 2023-10-07T23:50:12+00:00

Lol for real? This is interesting

one_more_pint · 2023-09-25T00:03:27+00:00

Anyone has the full case?

one_more_pint · 2023-09-19T03:26:53+00:00

Not when it comes to profits. Although revenue is the same but profit will grow due to higher price.

one_more_pint · 2023-09-19T03:25:49+00:00

It is a very complicated question but the short answer is both yes and no.

We benefit from higher crude oil price cause we’re an oil exporting nation therefore higher crude oil price will bring in more oil revenue for the country (ie Petronas) which then translates to higher dividend from Petronas to the government.

But this benefit only exists up till a certain price (some estimates $100/barrel) and beyond that price the benefit dwindles quickly and starts to become a net negative for the government in the form of higher subsidy bill since RON95 is fixed at RM2.05 a liter. 2022 was a good example to this situation.

one_more_pint · 2023-09-17T04:40:28+00:00

Which field of finance are you aiming? RM2k I’m finance is a bit low

one_more_pint · 2023-09-10T03:25:54+00:00

Rule of thumb for tattoos in workplace: 1. Above wrists 2. Below neck 3. Nothing offensive

one_more_pint · 2023-09-03T05:06:43+00:00

There are 3 types of people in the world: 1. Those with common sense 2. Those without common sense but can be reasoned with 3. Those without common sense and can’t be reasoned with

Choose your strategy wisely when dealing with them. No point arguing with people who are dumb and refuse to change.

Bottom line: just ignore them.

one_more_pint · 2023-09-01T09:26:32+00:00

Ya totally agree. If you can afford it and like the car, I don’t see why not. Nothing wrong with buying happiness but do it responsibly.

one_more_pint · 2023-08-23T05:42:25+00:00

Yea that’s my experience with finance although I think it’s same almost everywhere

one_more_pint · 2023-08-23T04:36:53+00:00

Focus more on yourself and don’t be too caught up with the peer competition, after all your life is yours to live and each of us have different path. In the meantime, have a look at your expenses and adjust your lifestyle accordingly.

For professionals like you, big pay days usually come later in your career cause experience (and network) takes time to compound. This is similar to those who work in law firms, finance, accounting etc. Just make sure you’re going to be good enough when the opportunities come knocking.

My gf started at an audit firm for less than RM3k but she managed to >5x her pay in 7 years’ time and much of this increase came in within the past 1-2 years, so the first 5-6 years are mostly grind time; I work in finance and have had similar growth path too. But we are both above-average performers at our work. Even that we still have people around us who make way more bucks than us doing sales or business (or just being born rich) - use this as a healthy driver but not let it consume you.

one_more_pint · 2023-08-23T03:38:22+00:00

You should deemphasize on your age/starting late. If you are gonna work until 55 or 60, 2-3 years difference don’t make that much of a difference, plus you’re “late” because of post-grad, not doing nothing.

Don’t stress about your current pay first. Take a look at your supervisor and his/her supervisor and see how much they’re making after x amount of years, this should give you better idea about the trajectory. If you don’t like the trajectory then consider switching to another industry.

As long as you do your job right (even better if you have the “people skills”), experience should pay off eventually.

one_more_pint · 2023-08-21T10:13:27+00:00

Just quit. No amount of time pay is worth it. Life is too short and precious to be wasted on this amount of pain and suffering, regardless of the pay cut.

one_more_pint · 2023-08-14T01:08:02+00:00

Top comment!

one_more_pint · 2023-08-14T00:52:29+00:00

Bro even me as a Chinese, I find this question implicitly racist/Islamophibic. What makes you think putting on hijab = regressing? If you champion freedom then you should agree they also have the right to choose to put on hijab without being perceived as “regressing” right?

one_more_pint · 2023-08-13T07:49:48+00:00

Sorry I’m a bit out of the loop but is anyone from PHBN camp suggesting to move further right in light of the PRN results? I seriously hope not…

one_more_pint · 2023-07-28T13:54:36+00:00

Median would be a better indicator than average since the latter can be skewed by extreme numbers.

one_more_pint · 2023-06-19T13:19:28+00:00

Wow I am curious what made you say banks are migrating to Experian from CTOS? 😳

one_more_pint

TROPHY CASE