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@nekiness Yup. RM3k is pretty standard starting salary. I know that some get lesser than that so budget can be a little tight.

@dengirl I used to work full time but quit just before Covid for personal reasons. I'm starting work again next month. Work and study is doable but not easy. Most employers do not allow you to take multiple papers at once. So, you can only complete 2 papers a year. Most working adults book 1...

@eeevie If you want to avoid WHT totally, you can look into swap ETFs.

@nekiness Depends on the policy but in most cases, premiums always increase. Buying early is just for early coverage. If you family has a history of illness like cancer, it's best to buy early. Alternatively, you may consider insurance plans that do not need to go through agent. It's cheaper...

@dazza_73 Premium increase with age because higher risk of getting ill/sick as you age. Buying early does not always mean you save on premiums.

@albert0 From my understanding, people get banned only if they: Use other people's credit card to top up personal BP account Abuse credit card reward system (most banks no longer give points for e-wallet reloads) Top-up excessively >RM100k per month Transfer out to other people's account Some...

@celia4120 Why do you say that? Most people have been doing it. BigPay knows their users do this which is why they reduced the monthly top up to RM1k for credit cards. It used to be >RM1k.

@im_a_giants_fan I invest in EQQQ.MI. It is QQQ but listed in Milan stock exchange and domiciled in Ireland. QQQ tracks Nasdaq 100 and is tech heavy. Largest holdings are in Facebook, Apple, Microsoft, Netflix and Google. Definitely riskier than S&P 500. I hold some PLTR shares and some...

@nekiness Stashaway Simple invest in high yield money market funds so there is certainly some risk involved. Since we aren't putting much into fixed deposits, this small percentage difference in return is not significant. Some banks also have promo rates for fixed deposits if you shop around...

@summerw There is a gap between when time you use your credit card and the time you need to pay. The main idea is to exploit this gap. Interest rates are measured in fees. A bank may quote you 0% interest rate but charge you upfront fee. This fee itself is interest in disguise. It's a marketing...

@samar619 I don't see how it violates their TOC.

@taylorjr94 Not sure what you are trying to do here. Interest rate parity just means that there is no arbitrage opportunity by investing in a country that has higher interest rate because the future exchange rate (at inception) should adjust to offset any additional gains. It cannot predict...

@bartrila Interesting. Are you sure you don't have to spend certain amount using their credit card, save certain amount monthly into the account? IIRC, their OCBC360 account requires you to do that and bonus interest is only applicable if you meet all criteria and restricted to RM100k only.

@bartrila I don't know about that product but their product sheet says you only earn the bonus interest of 1.50% p.a. if it's in a save pot. Otherwise, it's 0.30% p.a.

@cadie Well, it is because of my risk appetite. Again, I am not saying all should follow. High volatility does not mean high returns. If you invested RM100k into cryptos and it became RM10k (i.e. a 90% loss), you need to find an investment that gives you 900% return on your RM10k just to get...

@cadie In general, one should take riskier investments when they are young because they have the time to earn it back or wait it out for the market to recover. However, riskier investments does not mean crypto or penny stocks. Equity (stocks) are the risky investment. This means go 100% equity...

@srrngugi Forget local banks. They charge absurd fees.

@cadie @warriorprincess4life is probably hinting that you will be more careful with hard earned money if you worked hard for it. If you lived like a beggar for 5 years to save RM100k, you will think twice before dumping it into risky investments.

@izzdan The rule is either

@neobondjames No monthly fees if your account >$2k.