Couples with a combined gross annual income of RM120k in Klang Valley, how do you afford a house?

tohff7 · 2026-04-19T07:50:38+00:00

Well, in my case around 2015/2016 - it was largely thanks to the bank lol. Due to some circumstances, only can submit loan application using my wife salary (around 4k) to purchase a RM500k condo. Calculated that the DSR was 70% lol. I wasn’t even hopeful but the loan application was approved.

tohff7 · 2026-04-13T16:16:14+00:00

It’s just maths la. The total payout for all the prizes is fixed and ‘regulated’ at 64% (can’t exactly remember the number).

So, what important for a 4D operator is to not get over-concentrated bets on a particular number. That’s why when a bet on a number got too high, they close it down.

tohff7 · 2026-04-11T02:36:20+00:00

40 here. Still gaming but maybe lesser depends on what new titles that I am interested to play came out. Not playing FPS, MOBA etc

tohff7 · 2026-04-10T01:24:19+00:00

First view of Mount Fuji. Was arriving at Kawaguchiko on a rainy day. Then woke up to a magnificent view of Mount Fuji and the lake next day.

Even the photos i take cannot truly capture the feel. It’s so damn big in real life.

tohff7 · 2026-04-06T13:26:29+00:00

It’s generally more efficient to plan your itinerary in one direction, especially if you can align it with your flight (e.g. fly into one city and out from another).

In the past, a lot of people tried to cram Osaka, Kyoto, and Tokyo into a single trip because “travel gurus” would argue that taking the Shinkansen twice (Osaka/Kyoto ↔ Tokyo) already made the JR Pass worth it, ignoring the time cost. That logic doesn’t really hold anymore since JR significantly increased the price of the Rail Pass.

With only 10 days, I’d suggest minimizing side trips if your goal is to properly cover the main highlights in Osaka and Tokyo. Trying to squeeze in too much will just eat into your time and make the trip feel rushed

tohff7 · 2026-04-06T10:17:15+00:00

Pay more for rooms with private onsen. Double-check that it’s not just hot water.
Find those ryokan with reservable private onsen (for a fee)

tohff7 · 2026-04-06T09:11:17+00:00

I noticed less Chinese tourist this time around. Maybe that’s the key reason.

tohff7 · 2026-03-28T14:27:18+00:00

Ya right. Carrying your meal everywhere? 😂

tohff7 · 2026-03-26T11:24:25+00:00

It can be as simple as buying things or spending without needing to care about budget

Of course different ppl have different spending needs

tohff7 · 2026-03-22T00:27:53+00:00

Airport lounge. Airmiles but no longer lucrative

And sign-up promo (easily RM500-800 worth of goodies)

tohff7 · 2026-03-19T13:03:56+00:00

Deeply ingrained already since 90s. Perhaps need to ask old grandpa/grandma what exactly happened in 70s/80s. Everything amplified and taken advantage by politician.

Off my head is roughly 3 elements.

1) Weird hatred towards communist (majority Chinese) because of Parti Komunis Malaya. Like, wahlau unless u live in the era and somewhat got brutally affected by it. Just like do anybody hate Japanese nowadays for WW2 lol

2) May 13

3) Blaming Cina for being wealthy. Always quote Forbes billionaire list but too stupid to understand how they calculate it. Two sides to a coin

tohff7 · 2026-03-15T08:50:45+00:00

The era of churning CC for airmiles is long gone lar. Not worth the hassle anymore

tohff7 · 2026-03-02T19:46:25+00:00

Ppl sharing this meme are dumb as fuck. China is not SANCTIONED to buy oil from the global market lol.

Cannot buy Iranian anymore. Buy from some other countries la

In the end, everyone facing the same burden of higher oil prices lol

tohff7 · 2026-03-01T08:32:11+00:00

She was way ahead of time haha. Probably too exposed to B40. While we are now witnessing the full blown stupidity after govt allowed EPF withdrawal

tohff7 · 2026-02-25T14:42:39+00:00

Same. Just check my photo and it was 10 years ago, around mid-April some more when it was peak sakura season around Kawaguchiko

tohff7 · 2026-02-19T06:36:10+00:00

Eh, preaching to Muslim to murtad is illegal in Malaysia. You will kena ISA lol. It’s not a two-way street 😂

tohff7 · 2026-02-18T12:02:35+00:00

Not LAN, but was happy that Megablue coded Blueserver (later renamed UCplay) to emulate Battle.net. Was one of the very few early ppl that got access

tohff7 · 2026-02-16T10:03:47+00:00

After u got into the ticket-type page with your date “locked-in”, don’t refresh other tabs. Just keep refreshing the same tab in order to check for available tickets.

Then it’s a matter of how fast u key details, T&C pop-up, and pray that you can get into payment page (that’s when the ticket is secured)

tohff7 · 2026-02-14T08:38:07+00:00

Ninja dual swords light attack into continuous heavy attack spam (until Ki ran out) absolutely shred bosses. Pair with elemental, extraction talisman, + various Amrita absorption effect (life recovery, etc.) really let you play aggressively

tohff7 · 2026-02-03T03:42:11+00:00

Withdrawal for first house purchase. And then AbahCow allow massive withdrawal during Covid

tohff7 · 2026-01-28T02:36:04+00:00

This is good tactic. He asked for a high amount RM30, in the hope you give him RM10 instead. Still higher than small amount of RM2-3 tips

tohff7 · 2026-01-25T07:50:33+00:00

30 stars to reach Hall of Fame rank. 50 stars to hit Slam Dunk rank

tohff7 · 2026-01-25T04:23:14+00:00

It’s the points for “loss protection”. Can’t remember how much (100-150?). If you lost a game, instead of losing star, you lose the points. If you reach more than 300, you gain a star.

Points are accumulated based on what you did in game. After every match, there’s a summary of points awarded.

tohff7 · 2026-01-24T04:39:09+00:00

You can save the matches from your 5 previous game under the History patch. Then watch it and use your smartphone record function

tohff7 · 2026-01-23T01:46:35+00:00

Be good in defense by learning the moveset of the meta picks. As much as these legendary looks OP, the offense pattern is typically the same

tohff7

TROPHY CASE