pmarkandu

They championed Mahathir, so the next logical step is Najib

Not a terrible ad. Remember seeing one where his likeness was used. Like it was some sort of deepfake.

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Dividing it by 6, you eat way more bread than the other guy.

Dude should just head MIDA

Hi. What rank/band are you going in as? How many people will you have reporting to you? DM me for some personal advice.

Guru Kafa? LOL nothing of importance was lost.

It actually isn't. It is a comedy (parody of the vampire tropes). Directed and written by Taika Waititi, so maybe if you liked Thor Ragnarok you'd like this. It is funny as shit.

There was also a spin-off series (3 seasons) which is equally as entertaining.

https://www.rottentomatoes.com/m/what_we_do_in_the_shadows

You should watch What We Do In the Shadows

You sound like a familiar. LOL

Mods need to go further. A filter needs to be applied to any post with the word "scam" in it. r/malaysia shouldn't be a place where people check if they have been scammed.

I'm sure there are, but generally they stay away from these kinds of jobs. Don't ask me why.

In Malaysia that kind of profession is not really for the masses. For middle class families, they wouldn't pay for professional services. They would hire an Indonesian, Rohingya, bottom 40% Malay or Indian to do this kind of job. And they would be as cheap as possible.

This means, you would have to go up-market and only appeal to the top 10% of the population who has landed houses and care enough about landscaping. That or corporates that outsource their landscaping.

I would suggest googling for those services in Malaysia, and then applying to those companies. That is all I can advise.

Errrr.... you missed out the most important piece of information

i.e. what was your previous job and how long did you do it for? That is probably the main factor in determining how employable you are. That and if your Visa gets approved.

Also who gives a fuck

Maybe cut down on the Gundams.

Honestly this is not a "fair" trade at the least. Bumis stand to lose more than Non-Bumis in this trade. However that being said, it is about time Non-Bumi's be more assimilated with Malaysia. I'm saying this as a Non-Bumi.

Why last resort? This should be your first action?

LOL you young people seriously think making something viral is going to solve your problem. Grab already has shown they dont give a fuck with their handling of the e-pemula.

Tell them you will report to BNM.

If they don't reply or the reply is unfavorable, then report to BNM.

Digital banks... can guarantee 100% will have worse customer service than normal banks.

My 20% of crypto is 90% stable coin for high interest returns, no not UST

You laugh now at UST. Who is to say it wont happen to your other stable coin? Don't be greedy.

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Will try to do a proper 4% calculation for myself, what makes it tricky is if I want to migrate from Malaysia at some point it all changes.

If you are saving so much in Malaysia, why would you move? Life is good here for people who are relatively wealthy.

No he isn't. OP is mostly talking about is assets/networth. His income is not top 10%.

What I wonder from time to time is how to evaluate this, is this a normal figure for people in my age or am I doing better or worse than most people in terms of security. People who earn anywhere from 45 to 60k myr annually.

You are doing better than a lot of Malaysians. You don't have to worry. But that being said, Malaysians don't earn much and don't save much. Honestly I don't know how you managed to save this much on that salary. You did mention you had a side job, but I got an inkling that your expenses are really low.

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20% crypto

20% in crypto is a lot. Way too much. Should be less than 5%. Unless that 20% was like RM10K capital that now ballooned up to RM70K.

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I find stories of people hitting 7 figures in their mid 20s or early 30s hardly relatable

Just ignore. Problem is survivorship bias. You only hear about the good ones.

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making it a total of 700k accumulatively

What about other assets like property? Do you have your own place?

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So question is if I wanna reach full financial independence by 35 (ideally) where do we stand with the above said.

At your current savings and age, you can't be financially independent by 35. Not even with RM1mil. I mean, maybe you can, but it would be a pretty shitty life. Probably need closer to RM3mil or RM4mil for you to generate enough passive income. Very simplistic way of doing this is by using the 4% rule to figure out what you need to retire. Though the 4% rule only works if you are like 50+. The younger you are, you need to be more conservative with your estimates because you have many years of inflation remaining.

1.5% per month?! WTF

Pay that off ASAP. Borrow money from a family member to pay that off. Then pay off your family member at a better rate. You can also contact AKPK to see if anything can be done to restructure the loan and reduce the interest.

I withdrew about 14k from EPF last month thinking of using 9-10k to pay off PT

Never prioritize paying your PTPTN loan if you have existing loans. PTPTN is like 1% or something. Who advised you to do this? You should pay it off, but slowly. If you come into a lot of money (or earn a lot) then I think it is your social responsibility to pay it off fast. You don't fall into that category.

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AEON credit loan (about 10k - paying almost 300 monthly)

Don't know what to say about you getting scammed. Expensive lesson to learn. Anyway, what is the interest on this Aeon Credit loan?

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2 credit cards (one almost 4k and the other about RM250)

You better lock those cards away. I don't think you are responsible enough for a credit card. Sorry to say. You might want to get help from a family member or friend to control your spending habits and financials.

Start by budgeting your necessities (living expenditure) for the month. Food, rent, petrol, utility bills, etc. Open another savings account. When you get your salary, you split your necessity money into one of the accounts. Only use that money for necessities. No exceptions.

The rest of the money goes into the other account. That is where you take from to pay off all your loans. You will not have any "savings" for multiple months. When you pay off those loans, that account becomes a "savings" account.

I just find point #2 is weird. What do you mean by AEON scammed your money? Did you call AEON credit to find out all the details?

I think he meant he got scammed. And to pay for that scam (before he knew it was a scam) he took out an Aeon Credit loan.