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Stickied postModerator of r/MalaysianPF

What did you splurge on this month? Share some of your investments or surprise spending this month!

2
Stickied postModerator of r/MalaysianPF

Let's talk finance. Ask questions, give advice, share tips and tricks!

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So I already graduated from overseas university a year ago. But i'm having problem paying my last semester tuition fees. It cost me roughly around RM60k. My university wont release my certificate/transcript until I pay the remaining balance. (They just gave me a letter saying wont release my certs until I pay full amount during my graduation ceremony)

Now that I already have job, (using my skills alone to land a job with a bit above average salary after I prove to them that I'm good), do any bank in Malaysia provides long term loan, preferably more than 10 years? I think I cant apply study loan since I already graduated.

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As per the title, is there have option to combine multiple banking transaction from different people into one temporary account. For example, combine all the amount from each day, then transfer the money to bank account on month end.

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6

Where should I go for the best learning environment? Should I focus on the jobs paying commission?

Is selling ASB and insurance a good choice as a first-time sales job?

Share your thoughts.

3
Moderator of r/MalaysianPF

Let's talk finance. Ask questions, give advice, share tips and tricks!

6

I come across this site https://www.bbazaar.my who is offering free gift worth RM300 including tesco RM50 e-voucher and smart bracelet of RM250. Wondering if sites like this and ringgitplus running such promotions to sell credit cards. Will you take it?

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Hey. I’m looking for recommendations of a portfolio tracker for Bursa as the brokerage I use doesn’t have a proper tracking. I would like one that is very up to date with rates, easy to use, looks good, works on mobile and with stock quote alerts.

Anyone has any good recommendations 😬?

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I've never made a loan before and due to that I don't have a CTOS record.

The only recurring payment that I'm paying in my MARA debt (not sure whether it's a loan or not because of the flexible nature of the scholarship).

I'm planning to own a property in another year and wanted to build my CTOS score to ease the process. Because of that, I've tried applying for a credit card but got rejected twice eventhough I've been contributing for EPF.

  1. How to start building my CTOS score?
  2. How to get my CC approved?
2
Moderator of r/MalaysianPF

Let's talk finance. Ask questions, give advice, share tips and tricks!

2
comment
8
  • Food = RM400 per month
  • Water = Water filter ( aka utility bills )
  • Transportation = Bicycle
  • Housing = Parent's house
  • Utility bills = RM20 per month

RM420 per month woohoo!!

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Hello, I am a first time home buyer who bought a condo in Conezion, Putrajaya in December 2016. So, we went through the loan application and all and everything is approved and I started making monthly payments in March 2017 (which I assume is the interest). The unit is not yet ready and, even though we were promised to get the keys in March 2018, the delivery has now been pushed to August.

My question is, as Im new to this and I cannot understand or get a clear answer from my agent:

The monthly payment I am making now, does it count towards paying my housing loan? Or is it just, as they say, interest for the house or something? Am i paying for nothing?

Please help out. Help me understand more about housing loan as Im lost haha Thank you.

2
Moderator of r/MalaysianPF

Let's talk finance. Ask questions, give advice, share tips and tricks!

2
comment
3
Moderator of r/MalaysianPF

What did you splurge on this month? Share some of your investments or surprise spending this month!

3
comment
3

hi im joining a unit trust program under public mutual. it has elements of MLM. asking my friends to join and i get some commission from it. any advice? what should i be careful of?

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Hi All, I've been offered a design Job in Malaysia for RM 4000 and would like to know what the taxes on a salary of RM 4000, From what I learn the taxing gradient is higher on salaries about RM 5000. Would really appreciate your help to see if this is a fair salary I have been offered or if I should demand more in salary or benefits. :)

Also, I'll be moving to KL and would be considered an Expat.

Edit: I will be moving from London to pursue a career in KL

Thanks in advance

2
Moderator of r/MalaysianPF

Let's talk finance. Ask questions, give advice, share tips and tricks!

2
comment
5

I am slightly confused as to how FD works. Based on this link I would get an interest rate of 3.0% after a 1 month tenure.

If I were to put a figure of RM10k for a 1 month tenure, at the end of the month I would receive the interest of RM300.

My question is if this is the case, why would anyone want to put their money for a longer tenure when the return is lesser than a 1 month tenure combined. For example, if a 12 month tenure is 3.15%, after 12 months I would only receive an interest of RM315. Wouldn't I be getting more out from a 1 month tenure after 12 months (300*12)?

Is my understanding of FD correct?

1
Moderator of r/MalaysianPF

Let's talk finance. Ask questions, give advice, share tips and tricks!

1
comment
6

I have RM5000 laying around and I want to invest it into something. I already have about the same amount in ASB and looking to diversified my finance a little bit. I also have about RM2000 gold bar. I'm soon to be fresh graduate with PTPTN, i have no commitment other than that. What can I do with the RM5000?

1
Moderator of r/MalaysianPF

What did you splurge on this month? Share some of your investments or surprise spending this month!

1
comment
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A /r/malaysia branch. "Get your financial house in order. Learn how to better manage your money and debt in both the short and long term. Find out how to save an emergency fund and invest for your future." -/r/personalfinance Here, we do it the Malaysian way la of course. Instead of Roth IRA, Vanguard and suddenly having millions of USDs, we'll be using RM, talking about RON95, inflated pricetags on real estate, prices of kangkung, EPF, GST, which bank/credit card? etc.

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