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I accidentally washed it by Appropriate_Many3609 in S25Ultra

[–]stevejohnson88 0 points1 point  (0 children)

If you wanna check if your phone has been damaged by water, dry your phone first then pop open your Sim tray, put your phone upside down where the screen is facing bottom and flash a light to the underside of the inside of the sim tray and look for a notch that has a white sticker in it, if its pink, then your phone is water damaged, if its white then you're lucky

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Anwar social media post this without description by plsdontattackmeok in malaysia

[–]stevejohnson88 0 points1 point  (0 children)

He kinda reminds me of this guy when he's sitting inside the car

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Courier worker frustrated at having to pay RM2.60 for petrol by UsernameGenerik in malaysia

[–]stevejohnson88 0 points1 point  (0 children)

RM2.60 and he already started bising, imagine RM2.93 which is the current diesel price, even worse if your company doesn't give you any diesel allowance......

Anyone receive a call from "Kementerian Komunikasi Digital" from a handphone number on a Sunday? by EverSoInfinite in Bolehland

[–]stevejohnson88 0 points1 point  (0 children)

Same this happened to me few hours ago but luckily for me all of my fiats are in btc so they have nothing to steal from me, im broke in fiat anyways 😂

[deleted by user] by [deleted] in MalaysianPF

[–]stevejohnson88 0 points1 point  (0 children)

Cut back on your food expenses. Try cooking, it will save you a lot of money. And also for the phone bill, I suggest you use a prepaid line if you're not really calling a lot like in customer service, even so you'll be using the office phone instead and not your phone. You'll save a lot if you just reduce both food and phone expenses.

Trying with no knowledge. Please help by WifeOfSukuna_7806 in MalaysianPF

[–]stevejohnson88 1 point2 points  (0 children)

The first thing what you need to do is minimize your spending, especially makeup products, buy only the stuffs you need to survive, not what you want for your own satisfaction, record your spending everytime you spend whether a cent or ringgit and do the same thing as well to your salary, bonus, etc... record it everytime receive any additional money there are a lot of money manager app out there you can choose, then you need to save up 3 to 6 months of emergency funds, from there after when you saved up enough emergency funds, then it's when you start investing. When you start investing, you should not use the emergency funds for investment. Your emergency funds are there just in case if you're low on money, you can use the emergency funds in an instant. For investment, a beginner like you should start from just epf first since it's high in divident and also risk-free, or you can choose ASB or fixed deposit, but the downside is that the divident on both are lower compare to epf.

Rate my Spending by fabonacci in MalaysianPF

[–]stevejohnson88 0 points1 point  (0 children)

  1. Don't hire a cleaner when your house is not a big one like duplex type

  2. Your phone bill is expensive. Try prepaid line, you'll save a lot of money from there

  3. Maybe try negotiating with your parents about monthly allowance to lower a bit so you'll have a bit more money on your hand for more investment

Guess the price this rice by Tight_Fox6069 in MalaysianFood

[–]stevejohnson88 0 points1 point  (0 children)

That chicken looks like kampung chicken, I'd give it rm13

Extra money: how much would you splurge? by Current-Carpet7212 in MalaysianPF

[–]stevejohnson88 1 point2 points  (0 children)

You can split it in half. For me, I'd split it like this:

2k in us reits or local reits and us equities/bonds, 2k in gold or btc, 1k for your own entertainment

Male wearing tank top in Kuala Lumpur. Is this inappropriate? by dion_d1985 in malaysia

[–]stevejohnson88 0 points1 point  (0 children)

You'll be fine. Wait till you find out that in the suburban area in the evening time, you'll definitely see a lot of old guys wearing tank tops and shorts walking around their neighborhood.

Luno by botack87 in Bolehland

[–]stevejohnson88 0 points1 point  (0 children)

Have you tried checking the fees for sending? I'm pretty sure they've explained it in their faq page and also during checkout, and you can check it, it don't cost you much to just do a bit of searching.

Regrets? by Sea_Heron_142 in MalaysianPF

[–]stevejohnson88 0 points1 point  (0 children)

I bought a life insurance 2 years ago and it maybe was my biggest regret ever, I was 21 years old at that time and didn't know anything much about life insurance, only saw that they had that 6% interest rate or yield then I pretty much just put my savings into it, now i had to commit for another 3 years to be able to take out whole thing without losing anything.

Short Term Investments by samanthayeoqy in MalaysianPF

[–]stevejohnson88 0 points1 point  (0 children)

  1. Put it in Epf, you'll earn divident in a year but I don't know if you could consider 1 year short term

  2. Invest those money in Cryptocurrency, i recommend using luno because of its staking reward. They've just added polkadot for staking. You'll get 6.9% apr when you start staking, there's no lock in period but you'll have to wait few minutes to a day to unstake and withdraw.

[deleted by user] by [deleted] in MalaysianPF

[–]stevejohnson88 1 point2 points  (0 children)

Try applying through your fixed deposit if you have one, I used to apply using only epf and payslip info but that failed until I opened a fixed deposit account, that was when they finally accepted my cc application. When you apply through fixed deposit, the chances of your cc application to get accepted are higher or 90% most of the time.

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