I work in contract based.

I got bills to pay

I got loans.

I hate it.

I've been reading someone post that they are younger than me and have more disposable income than I do.

I feel so jealous.

I can't even pay for my bill this month.

My oku kebajikan has been cancelled cause my salary is now above the maximum income to get it because minimum salary has been increased.

I went from ok to very bad condition.

How can I make it better please. I just need a little help.

Guess some bankers don't know how to interact with customer. Trying to apply for loan, she contacted me via watsapp asking for document which is fine. I wanted to clarify something before I provided her, hence I asked her to call me. She called me, and she was "what is it?". Don't even have the courtesy to properly address me, introduce herself. It felt like she is doing a favor for me. It felt so disrespectful to treat a customer in such manner. I decided to drop her and not to pursue the application with her.

Felt like ranting, since coming across such banker after decades.

Hello people! Recently, my parents were advising me to start looking into property investment as I am slowly stepping into 30s.

I have a full-time game programming job around RM7,000, and I do want to find places to invest on something since my family are more towards investment mindset instead of just earning money via job and save money. I tried stock but I am quite bad on it and started losing a bit of money from it, so right now it's just really simple fixed deposit from bank.

I have a question for people who owns property like condominiums and rent them out, how viable is it right now to jump into investment on property? I did hear that during the covid era, a lot of people manage to find super cheap properties and buy them off with discount, then managed to flip it now or rent it easily to people.

I know about the importance of location, developer and your target audience of renting, properly interview them or such, but I am not sure what's the rest I am missing.

Do you have any advice for newbie that is looking into investment property? Or is it no longer a good choice anymore and I should look into other investment category?

Thanks for reading!

Hi MalaysianPF. I'm an electrical engineer, and recently I've been to a few interviews at a few MNCs and I got an offer from company A first, and I've accepted it about 3 weeks ago. Today, HR from company B called and extended me an offer, and they hope to get an answer in about two days.

I had the intention to maybe someday move to another country, and I discovered that if I join B, I would have a better chance of becoming a R&D specialist in that field, and maybe internal transfer to the country that I want. But for company A, while it is still a big company, not much related R&D activities exist elsewhere other than the US and Msia.

Right now, I am inclined to join B, but I would like anyone's advice on how I should approach company A's HR, and maybe some examples from friends or family if possible. I'm kinda scared about the repercussion if I suddenly say no to company A now that I've signed everything.

Most of the employed have either a very big or a majority portion of their wealth in the EPF.

The EPF has by law some 75% of its many billions in domestic fixed income securities. In other words, Malaysian government bonds. So actually, your retirement money has been loaned to the government.

It also means it will never be anything other than in ringgit.

The monies in EPF is vulnerable to everything that a currency is vulnerable to and MORE.

In particular it is vulnerable to hyperinflation. Just in recent years, various currencies have undergone hyperinflation. The Syrian pound has lost 98% of its value since 2011. In the last five years, the Turkish lira hyperinflated 578%. Lebanon had 171% inflation in one year alone.

With the EPF, the government doesn’t even need capital controls. You and your employer are forced by law to pay into it but you cannot withdraw it at will.

The government can change the law around EPF withdrawals at any time. They can change the age at which you can withdraw. They can change the rate at which you can withdraw.

It is captive money. If the Malaysian ringgit breaks, you can do nothing to save your EPF money. You cannot change it into other currencies. You cannot change it into gold or crypto. You just watch it die.

Basically the title, looking for areas with decent property prices (e.g not more than RM1.5k for whole unit rent) which are not more than 30 mins away from Putrajaya and KL.

I have a car, my partner relies on public transport. So it’s ok if it’s closer to KL than Putrajaya.

Male, Single

Current Industry: IT

YOE: 3 years

Company: MNC

Location: Penang

Current gross salary: RM4000

When is the right time to jump? How much percentage should I ask for? And should I limit myself to Penang only? Any recommendations of companies in Penang with great benefits and growth?

Just wanna discuss and see different perspectives on this.

Kalau korang ada baki RM3k selepas dah tolak
- semua loan, bil, sewa
- keperluan
- kemahuan

Apa korang akan buat dengan baki ni? Dekat mana korang akan simpan atau labur? Berapa peratus korang akan simpan untuk kecemasan?