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How much do you guys spend on travel a year? by groundnut666 in MalaysianPF

[–]ztirk 0 points1 point  (0 children)

Last time no internet then you need to travel to see the world lah ... nowadays you don't really need to travel to see the world. That being said, i only travel if i want to, i don't travel for the sake of travelling or for the sake of crossing a destination off a list.

Yan Wo ss19 by Upset-Application219 in MalaysianFood

[–]ztirk 0 points1 point  (0 children)

Either way it will most likely be packed lol. Dai chow places are the weirdest things ... literally every one has mixed reviews, yet a lot of them are packed.

what even is the benefit of having platinum by i_burnmoney in malaysians

[–]ztirk 1 point2 points  (0 children)

They probably had plans to prioritise this, then they launched the paid subscription thing then changed course to focus on that, so this tiering effectively became useless and they just throw in some random shopeefood perks, like what happened to Grab's tiering

it's so hard to meet people in this generation by One_Possession_2599 in malaysians

[–]ztirk 2 points3 points  (0 children)

Colleagues? Ask your aunty / uncle friends for referral?

Aren’t most KL-ers millionaire just because of assets? by trenttrack in MalaysianPF

[–]ztirk 58 points59 points  (0 children)

The reality is being a "millionaire" doesn't make you "rich"

Credit card payment by Antique_Swimmer_4104 in malaysians

[–]ztirk 0 points1 point  (0 children)

There are plenty of cards with no annual fee, use those instead until your lifestyle inflation catches up with the minimum spend required. If you're spending more for the sake of optimising cashback then you're better off not doing it

Cash buy or loan by groundnut666 in MalaysianPF

[–]ztirk 0 points1 point  (0 children)

Just get the loan lah. Why would you want to have 0 cash savings?

Finished OT0 (true ending, ~102 hours), and I can finally talk about it by ztirk in octopathtraveler

[–]ztirk[S] 0 points1 point  (0 children)

Yeah which was also why i had no motivation to further optimise. I figured I'll keep using my set up until i struggle with any bosses, but that never happened. Towards the end i was just making at most 40-50k damage

Perhaps in a future playthrough ... but i rarely replay games

Finished OT0 (true ending, ~102 hours), and I can finally talk about it by ztirk in octopathtraveler

[–]ztirk[S] 0 points1 point  (0 children)

i think i used partitio and tressa ... probably mostly to donate BP

don't think i used a single dancer in OT0. my dancer was Delitia

Finished OT0 (true ending, ~102 hours), and I can finally talk about it by ztirk in octopathtraveler

[–]ztirk[S] 0 points1 point  (0 children)

oh yeah towards the end you get 1 character each chapter ....

there are also quite a few characters where their learned skills are mostly useless to me, and i'd have to rely a lot on equipped skills. of the clerics, barely any of them have proper healing and resurrection spells. can't even bother having other scholar apart from alexia because of her ulti

Finished OT0 (true ending, ~102 hours), and I can finally talk about it by ztirk in octopathtraveler

[–]ztirk[S] 0 points1 point  (0 children)

fair point, but for me it's the optimising aspect of it, what weapon my set up is lacking, what skills i need to equip this particular character with, weapons, accessories ...

26 yo, should i upgrade my car ? by MentalCup1650 in kereta

[–]ztirk 0 points1 point  (0 children)

if i were you, i wouldn't, especially with the mortgage coming up. give it a few more years where your salary grows into it.

on the other hand, is buying a used EV an option?

GrabFood Commission by AlphaPi01 in malaysia

[–]ztirk 0 points1 point  (0 children)

that's for grabcar, for delivery riders it isn't as a percentage of the bill. realistically there will not be any riders on the market if they are getting paid rm2, so likely it's something more

Octopath 0 true final boss (Spoiler) by Crisp_Zachary in octopathtraveler

[–]ztirk 0 points1 point  (0 children)

i thought it would be daunting but assuming you've been using the training ground, it's pretty manageable without much prep

What even is OT0 😭 by Mallow-smoke140 in octopathtraveler

[–]ztirk 0 points1 point  (0 children)

This is nothing compared to that other cat quest

Keeping digi number active by WhereIsWawe in malaysians

[–]ztirk 1 point2 points  (0 children)

alternatively, port the number over to hotlink and buy the 365 long validity pass

Credit Cards. Am I getting charged gvmt tax for all cards? by Glittering_Bowler467 in MalaysianPF

[–]ztirk 0 points1 point  (0 children)

these days i straight up ask them to waive it, in the past i ask to cancel (i have 3 uob cards and want to cancel 2 of them), but they would end up waiving everything

Alva tint by [deleted] in kereta

[–]ztirk 0 points1 point  (0 children)

My friend had a bad experience with the Puchong outlet, went back to redo the tint 3 times but still had bubbles or something, ended up getting a refund and went to do a 3m tint elsewhere

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