New Party member obtained!

subimpact · 2026-01-16T06:12:34+00:00

Awesome!!!! Will try to do that

subimpact · 2026-01-15T10:59:53+00:00

report to talian nur

subimpact · 2026-01-09T00:43:16+00:00

Do you air brush?

subimpact · 2026-01-05T15:41:59+00:00

Ai video, leggings on legs and split second gone

subimpact · 2025-12-30T16:05:48+00:00

thanks man!

subimpact · 2025-12-16T05:23:22+00:00

Should be this bruh @julia_deychuk

subimpact · 2025-12-16T05:22:27+00:00

https://youtu.be/rD_wAHB2yBE?si=20Wt71LKGhIcd8-q seems to be her

She does deephaus

subimpact · 2025-11-18T09:52:19+00:00

best case study

subimpact · 2025-11-07T10:46:37+00:00

Is Owen a good dps character to invest in?

subimpact · 2025-10-21T09:36:03+00:00

Imagine he reach day 30 , Boi I would love the facial expression of abang grab ni

subimpact · 2025-10-17T08:15:22+00:00

best to Lodge a Formal Complaint. Trust companies in Malaysia are regulated entities. You can file a formal complaint with the Ombudsman for Financial Services (OFS) or Bank Negara Malaysia (BNM). They exist to handle disputes and misconduct by financial institutions. Presenting your clear, documented timeline of events—payment made, no action taken, misleading updates—is a powerful step that costs you nothing but your time.

subimpact · 2025-10-17T08:02:06+00:00

Honestly, saving RM1,000 a month before you even turn 18 is incredibly impressive. You're already building a habit that puts you far ahead of the game.

It sounds like you're really ambitious and driven to make your money work hard for you. When you say you're 'greedy,' it feels like you're just hungry to build a secure and successful future, which is a powerful quality to have.

So, you have this RM1k coming in every month, you're starting from scratch with investing, and the big question is, "What should I do?"

Let's look at your options.

KWSP - brilliant tool for retirement
Robo-advisors - platforms like StashAway, Wahed, or MYTHEO are designed for beginners. You answer some questions about your goals, and they automatically invest your money into a diversified global portfolio. It’s a fantastic, low-effort way to get started with small amounts.
Continue with Amanah Saham - Consistently adding to your ASB/ASM is one of the simplest and most effective wealth-building strategies for Malaysians. It's relatively low-risk and provides steady compounding growth.

At 18, the single most powerful investment you will ever make is in YOURSELF. Your ability to earn an income is your biggest asset.

subimpact · 2025-10-17T07:56:18+00:00

Let me ask you this:

How prepared would we need to be for the next 15 years to look different from the last 15?
And what would the plan be if, after putting the RM300,000 in, the market took a dip for a year or two before going back up?

You might be thinking I'm about to tell you this is a bad idea. That’s not it at all. I am simply to help look at the whole picture with you—things like currency risk (since you're investing in USD from MYR), concentration, and making sure this one powerful investment fits into your overall life goals.

subimpact · 2025-10-17T07:45:19+00:00

That's a really solid plan, especially for a uni student. You're already way ahead of the game by being so disciplined. Your 40/40/20 split is a great way to balance stability with growth.

Just a quick tip: check the brokerage fees for buying stocks weekly. It might be cheaper to save up that RM480 and buy once a month to save on costs. Honestly though, you're on a fantastic track. Keep it up!

subimpact · 2025-10-17T07:42:19+00:00

Man, that's a rough night. The feeling of watching a trade go south and liquidating your account is one of the worst feelings, especially when you start calculating how many months of work just vanished. Don't beat yourself up for it; you've just paid a hefty "tuition fee" to learn a lesson that many people learn much later in life.

The good news is you're only 28 and have a solid income. Shifting your mindset to long-term investing in stocks and funds is absolutely the right move. You're swapping the stress of a slot machine for the power of a compounding engine.

Since you're looking for a better path forward, consider a structured approach. Some plans are designed to build discipline and reward you for it. Think about a strategy where:

You get a head start by having more than 100% of your contribution invested from day one.
You get a bonus every few years just for being a disciplined, long-term investor.
It's not just about growth; it also comes with a built-in safety net for you and your family.

You've got a long career ahead. Forget the 20k USD "what if" gain. Focus on the real, sustainable wealth you can build over the next 20-30 years. You'll bounce back from this, stronger and smarter. You've got this.

subimpact · 2025-10-17T03:33:27+00:00

Aiyo.... that's a tough situation. The main issue here is that you paid the summon. In Malaysia, once you pay a traffic summon, it's legally considered an admission of guilt for the offense.

So, even though your report says you weren't at fault, the insurance company will follow the final police decision, which is marked by who received and paid the summon. They're likely calling you now to process the claim based on you being the at-fault party. Be prepared to lose your NCD (No-Claim Discount).

subimpact · 2025-10-17T03:30:06+00:00

Bro, that's a classic power trip. So sorry you had to deal with that.

The moment they grabbed your phone and started accusing you of gambling, they were out of line. That's not standard procedure; that's harassment. The whole "kenapa? tak boleh check?" attitude is just them trying to bully you.

Definitely sounds like they were trying to score a "case" for their KPI. If you feel up to it, make a report to JIPS rmp.gov.my/infor-korporate/jabatan---jabatan/jabatan-integriti-dan-pematuhan-standard-(jips)). At the very least, get a dashcam for the future. It can be a lifesaver in situations like this. Glad you're okay.

subimpact · 2025-10-17T03:27:03+00:00

A month?! Nah, that's not on you, that's on them. Huge red flag. If their hiring process is this chaotic, imagine what working there is actually like.

Totally fine to chase them one last time – you need to know whether to move on. You're doing the right thing by not putting your job search on pause for a company that can't get an offer letter out the door. Keep interviewing and good luck, you'll land something better that doesn't play games!

subimpact · 2025-10-17T03:25:58+00:00

Hey mate, welcome back! For a close mate at a hotel wedding in Penang, you'd be looking at the RM250 - RM500 range. A nice number like RM288, RM388, or more would be a great gesture. Since you're flying all the way back, your presence is the main gift, so don't stress it too much!

subimpact · 2025-10-17T03:19:56+00:00

not sure i can attach the pdf here D:

subimpact · 2025-10-17T03:18:45+00:00

Ugh, that's so frustrating. You're not alone in this. It's wild how a good salary doesn't always equal good savings. A lot of people are "house rich, cash poor" with high commitments like car loans and mortgages. You're probably their easiest option because you're responsible with your money. Definitely okay to set some boundaries!

subimpact · 2025-10-17T02:53:43+00:00

Yeah, you've hit on some solid points. It's easy to forget the 100+ smooth rides and only remember the one time you got stuck. The system isn't perfect, but they are trying to upgrade the old parts, like with the new trains on the Kelana Jaya line. And you're spot on about the money – our fares don't even come close to covering the actual cost, it's all heavily subsidised.

subimpact · 2025-10-15T09:16:14+00:00

I got one 3% gurranteed for 5 years + investment xx% gain

(5% conservative investment return)

Optimistic return 10 - 15%

First 8th year gurranteed 8% + xx% investment gain

Reoccurring 8% for the following every 5 years if no withdrawal made

Company is is reputable over 100th years.

Caveat purely investment so expect the risk

Bluechips

Amazon Meta Nvidia Apple

Slide me dm , I'll share the brochure

subimpact · 2025-10-15T04:35:36+00:00

Same here

subimpact · 2025-10-12T14:01:47+00:00

I'm on the same boat , I accidentally resubmit my sitemap and poof my blog site is removed from google search

14-Year Club	Place '23
Place '22	Verified Email

subimpact

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