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        <title>Lowyat.NET: Latest topics in Jobs &amp;amp; Careers</title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Sat, 07 Nov 2026 07:07:34 +0800</lastBuildDate>
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            <title>Job Offer. You or Company propose salary, </title>
            <link>http://forum.lowyat.net/topic/5581943</link>
            <description>If receive job offer like from ex company or new company that only never know us or new company which we only work together which we both from different projects aka poaching. Should we talk about amount we want or let the company propose first then discuss from there because one&lt;br /&gt;&lt;br /&gt;Though it is same industry but we dont know the job scope since it can vary a lot even on same industry&lt;br /&gt;&lt;br /&gt;Working culture and working hour is unknown. Some need six day some 5 half some 5 so when divided by working day could end up the same&lt;br /&gt;&lt;br /&gt;Working culture unknow. Some need to wayang OT an half or an hour. Some allow OT. Some allow but very calculative. Also some might only count working start on site. Very rugi if calculate on client site arrival.</description>
            <author>younger</author>
            <pubDate>Fri, 30 Oct 2026 21:16:41 +0800</pubDate>
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            <title>Bank – Career &amp;amp; Remuneration Discussion, CIMB</title>
            <link>http://forum.lowyat.net/topic/5580671</link>
            <description>Anyone familiar with CIMB&amp;#39;s internal grading structure (U1–U4)?&lt;br /&gt;&lt;br /&gt;Curious about the seniority, typical salary and bonus ranges, and how these grades compare with other banks.&lt;br /&gt;&lt;br /&gt;Appreciate any insights from current or former employees&amp;#33;</description>
            <author>MasterK_2016</author>
            <pubDate>Mon, 19 Oct 2026 19:30:49 +0800</pubDate>
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            <title>Spruson&amp;amp;Ferguson, Work Environment</title>
            <link>http://forum.lowyat.net/topic/5580282</link>
            <description>Need some advise, is this a good company to work for? e.g. culture etc.</description>
            <author>mymelody11</author>
            <pubDate>Thu, 15 Oct 2026 20:28:22 +0800</pubDate>
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            <title>Laid Off/MSS/VSS, lets talk about being laid off</title>
            <link>http://forum.lowyat.net/topic/5580243</link>
            <description>Its end of 2026, and every year also got people being laid off at the end of fiscal year ... &lt;br /&gt;&lt;br /&gt;Any unfortunate ones been laid off recently, whats the market benefits like for MSS</description>
            <author>earl-ku</author>
            <pubDate>Thu, 15 Oct 2026 16:10:18 +0800</pubDate>
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            <title>Job application turn over, </title>
            <link>http://forum.lowyat.net/topic/5579020</link>
            <description>Recently I come a scenario a company don&amp;#39;t hire people, but they use consultation method to pay to the application&lt;br /&gt;&lt;br /&gt;This is the senario:&lt;br /&gt;&lt;br /&gt;The company is hiring a marketing people for the company, instate of hiring, the company ask the candidate to provide offering of its own kpi, &lt;br /&gt;&lt;br /&gt;Base on the discussion both agree with the kpi, with salary turn to fees. The person will need to fulfill it&amp;#39;s on kpi to get paid. &lt;br /&gt;The candidate sets it own working days and time, what to achieve and others&lt;br /&gt;&lt;br /&gt;This not only to apply to marketing, but others &lt;br /&gt;&lt;br /&gt;.&lt;br /&gt;In my personal opinion the company could possible save many expenses. &lt;br /&gt;&lt;br /&gt;Let me see your view of this method</description>
            <author>tkwfriend</author>
            <pubDate>Sat, 03 Oct 2026 15:51:35 +0800</pubDate>
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            <title>Resignation delay, Caused the guy to lose his new offer</title>
            <link>http://forum.lowyat.net/topic/5578535</link>
            <description>Ok I recently read from an fb friend post about this:&lt;br /&gt;&lt;br /&gt;He resigned on 15th June 2026.&lt;br /&gt;The direct supervisor / manager said she is only back to office to accept the resignation on 22nd June 2026 because of wfh rotation.&lt;br /&gt;&lt;br /&gt;He got new offer which required him to start the latest on 25rh Sept 2026.&lt;br /&gt;&lt;br /&gt;His notice period was 3 months so he thought, his last day in the previous company will be 21st Sept 2026 since the manager said he can&amp;#39;t use his leave to deduct and wants him to stay till last day. The company will cash in the leave for him.&lt;br /&gt;&lt;br /&gt;So not thinking too much, he put the last date as 21st Sept but after next week, the manager told him on 25th June that she hasn&amp;#39;t formally signed back his resignation letter back to HR and it doesn&amp;#39;t count as accepted until she had done so.&lt;br /&gt;&lt;br /&gt;He questioned her on it but she just said the team needed her and it was really irresponsible to leave at a crucial time now.&lt;br /&gt;&lt;br /&gt;He didn&amp;#39;t bother and went to HR straight. HR said the company&amp;#39;s policy is that all resignation must be formally accepted by the manager to take effect so as of now, no last day is counted yet.&lt;br /&gt;&lt;br /&gt;He tried to talk HR law to the HR but he won&amp;#39;t budge. So at the end, after much bickering he got the acceptance on 30th June and was allowed last day on 30th Sept which is beyond the new join date of the new place.&lt;br /&gt;&lt;br /&gt;The new place decided to not take him in because of late by 1 week entry.&lt;br /&gt;&lt;br /&gt;He is planning to go to Perkeso for this. Should he go for it?</description>
            <author>redracer2004</author>
            <pubDate>Tue, 29 Sep 2026 08:24:28 +0800</pubDate>
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            <title>Just sharing a useful CV/job search tool I found, CV to Personal Website using AI</title>
            <link>http://forum.lowyat.net/topic/5578310</link>
            <description>Came across Self (self.cv) recently while job hunting and thought it might be useful for others here.&lt;br /&gt;&lt;br /&gt;Basically, you upload your existing CV/resume and it turns it into a personal resume website that you can send together with job applications. You get a yourname.self.cv type page, and there are free templates available.&lt;br /&gt;&lt;br /&gt;What I found especially useful is that it saves me from trying to build a portfolio/CV website from scratch. They also have a Chrome extension that can autofill job application forms using the information from your profile.&lt;br /&gt;&lt;br /&gt;I&amp;#39;ve been using it myself and found it quite handy, so just sharing in case anyone here is applying for jobs and wants to try something different from sending only a PDF CV.&lt;br /&gt;&lt;br /&gt;Not affiliated with them, just something I found useful.</description>
            <author>goldenpodpills</author>
            <pubDate>Sat, 26 Sep 2026 15:54:10 +0800</pubDate>
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            <title>Other Countries Outstation Allowance Worth It?, </title>
            <link>http://forum.lowyat.net/topic/5576880</link>
            <description>Constant travel to countries like Vietnam and Indonesia. The allowance just RM100 perday is it worth it though company do give nice hotel mostly 3 or 4 star king bed. In other word daily rate of room mostly atleast RM100++. Each time go sure atleast weeks or almost a month or sometimes two months separate into two trips.</description>
            <author>younger</author>
            <pubDate>Sun, 13 Sep 2026 02:29:34 +0800</pubDate>
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            <title>Online interview exclusively, </title>
            <link>http://forum.lowyat.net/topic/5575991</link>
            <description>Hi everyone,&lt;br /&gt;&lt;br /&gt;Please post all the companies that hire solely through online interviews in malaysia&lt;br /&gt;&lt;br /&gt;Thank you &lt;br /&gt;&lt;br /&gt;&lt;br /&gt; &lt;!--emo&amp;:peace:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/icon_rolleyes.gif' border='0' style='vertical-align:middle' alt='icon_rolleyes.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:peace:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/icon_rolleyes.gif' border='0' style='vertical-align:middle' alt='icon_rolleyes.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:peace:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/icon_rolleyes.gif' border='0' style='vertical-align:middle' alt='icon_rolleyes.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:innocent:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/innocent.gif' border='0' style='vertical-align:middle' alt='innocent.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:respect:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/notworthy.gif' border='0' style='vertical-align:middle' alt='notworthy.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:respect:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/notworthy.gif' border='0' style='vertical-align:middle' alt='notworthy.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:respect:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/notworthy.gif' border='0' style='vertical-align:middle' alt='notworthy.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>zach69</author>
            <pubDate>Fri, 04 Sep 2026 00:10:31 +0800</pubDate>
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            <title>Remote folks or digital nomads, Where do you guys seek opportunities?</title>
            <link>http://forum.lowyat.net/topic/5575767</link>
            <description>LinkedIn feels like a resume-farming mine, a gateway to scam jobs. Meanwhile, other portals such as Remote are all paywalled, and regular websites like JobStreetMY lack varieties. &lt;br /&gt;&lt;br /&gt;Also, can anyone share why are there so many predominantly Native Indian/Pakistani firms hiring? But we see so little from employers based internationally, be it US, UK, or EU in general?&lt;br /&gt;&lt;br /&gt;What&amp;#39;s a good way to explore remote opportunities these days?</description>
            <author>MerryGoRound^2</author>
            <pubDate>Tue, 01 Sep 2026 19:19:11 +0800</pubDate>
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            <title>first time in physical job interview, tips pls&amp;#33;, </title>
            <link>http://forum.lowyat.net/topic/5575744</link>
            <description>usually when i apply for jobs through Bossjob, i tend to go for the virtual interview option since the platform has that feature, so most of my interview experience has been online.&lt;br /&gt;&lt;br /&gt;for virtual interviews, i feel like i have a bit more confidence because i can keep some notes nearby. sometimes if they ask about something technical, i can quickly check my notes or search something up before answering. obviously not to completely fake my answers, but more like a guide in case my mind suddenly goes blank.&lt;br /&gt;&lt;br /&gt;now this company i&amp;#39;m interviewing with wants to do a physical interview instead, and i realised i can&amp;#39;t really rely on that anymore. my biggest concern is that i might actually know the answer, but because i&amp;#39;m nervous, i&amp;#39;ll suddenly forget the technical terms or certain details and end up sounding like i don&amp;#39;t know what i&amp;#39;m talking about.&lt;br /&gt;&lt;br /&gt;for those who are more used to physical interviews, how do you prepare? do you memorise everything beforehand or just focus on understanding the topics properly?also, how early do you usually arrive for the interview, and are there any things you wish you knew before going for your first physical interview?&lt;br /&gt;&lt;br /&gt;would appreciate some advice from people who have done plenty of these</description>
            <author>redpandarar</author>
            <pubDate>Tue, 01 Sep 2026 16:39:52 +0800</pubDate>
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            <title>Time-Leveraged Financial Autonomy (TLFA), My Framework From Career to Capital</title>
            <link>http://forum.lowyat.net/topic/5575366</link>
            <description>From my previous &lt;a href='https://forum.lowyat.net/topic/5557541' target='_blank'&gt;thread&lt;/a&gt; (&lt;i&gt;From Corporate Jobs to Self-Employment&lt;/i&gt;), I distilled my thoughts and experiences into a framework which I think may be useful for working professionals. &lt;br /&gt;&lt;br /&gt;I call it &lt;span style='color:blue'&gt;&lt;b&gt;Time-Leveraged Financial Autonomy (TLFA)&lt;/b&gt;&lt;/span&gt;, which sits at the intersection of career economics, human capital, entrepreneurship, personal finance, and FIRE. The individual concepts aren&amp;#39;t new. I found them scattered across different fields, so I integrated them into one coherent career-to-capital framework that can be applied sequentially or diagnostically. &lt;br /&gt;&lt;br /&gt;See this as a big-picture map of how professionals can progressively turn their time, skills and experience into higher-value income, business assets, intellectual property, and financial capital.&lt;br /&gt;&lt;br /&gt;It answers the question:&lt;br /&gt;&lt;b&gt;&lt;span style='color:green'&gt;How do you convert a career from a sequence of jobs into an accumulating stock of capital?&lt;/span&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;Most people treat a career as a flow:&lt;br /&gt;Work → salary → expenses → repeat&lt;br /&gt;When they leave a job, much of the economic relationship disappears.&lt;br /&gt;&lt;br /&gt;TLFA asks you to build capital out of the career itself, so that each year of work leaves something behind.&lt;br /&gt;&lt;br /&gt;You can think of the transformation like this:&lt;br /&gt;&lt;b&gt;&lt;span style='color:purple'&gt;Career → Human Capital → Market Value → Business Capital → Financial Capital → Autonomy&lt;/span&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;Your career isn&amp;#39;t just generating this month&amp;#39;s salary. It can also &lt;b&gt;accumulate assets and increase future earning power&lt;/b&gt;.&lt;br /&gt;&lt;br /&gt;-----&lt;br /&gt;&lt;br /&gt;&lt;b&gt;&lt;u&gt;Who is TLFA for?&lt;/u&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;TLFA is primarily for working professionals who want to build greater economic value through their careers and progressively increase their autonomy, rather than relying indefinitely on a single salary or employer.&lt;br /&gt;&lt;br /&gt;It may be particularly relevant to employees, freelancers, consultants, academics, creators and entrepreneurs who want to:&lt;br /&gt;• increase the value of their time rather than simply work more hours&lt;br /&gt;• diversify their income without necessarily working full-time in multiple jobs&lt;br /&gt;• turn professional experience into business assets and intellectual property&lt;br /&gt;• build human, business and financial capital across their careers&lt;br /&gt;• reduce dependence on a single employer or income source&lt;br /&gt;• pursue financial independence without necessarily wanting to retire&lt;br /&gt;• eventually have the freedom to choose whether, how, where, and for whom they work&lt;br /&gt;&lt;br /&gt;TLFA isn&amp;#39;t about telling everyone to quit their job or become an entrepreneur.&lt;br /&gt;It&amp;#39;s &lt;b&gt;a framework for thinking about how your career can progressively create more leverage, capital, and optionality.&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;------&lt;br /&gt;&lt;br /&gt;&lt;b&gt;&lt;u&gt;The 5 Core Assumptions of TLFA&lt;/u&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;1. Time is the scarcest resource.&lt;/b&gt;&lt;br /&gt;A professional has a finite amount of time, so wealth creation should focus not only on earning more, but on increasing the value generated per unit of time.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;2. A career is a form of capital.&lt;/b&gt;&lt;br /&gt;Skills, expertise, experience, reputation, relationships and professional credibility accumulate over time and can be converted into economic value.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;3. Income can be progressively decoupled from hours.&lt;/b&gt;&lt;br /&gt;A professional can move from selling labour by the hour towards leveraged income through higher-value expertise, multiple income streams, business systems, products and intellectual property.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;4. Capital can accumulate and reinforce across stages.&lt;/b&gt;&lt;br /&gt;Career-generated income can be converted into business and financial capital. Human capital, business capital and financial capital can strengthen one another over time.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;5. Financial independence exists to create autonomy, not necessarily retirement.&lt;/b&gt;&lt;br /&gt;The ultimate objective is to reduce dependence on compulsory labour while retaining the freedom to work when the work is meaningful, enjoyable or worthwhile.&lt;br /&gt;&lt;br /&gt;------&lt;br /&gt;&lt;br /&gt;&lt;b&gt;&lt;u&gt;TLFA Framework&lt;/u&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;This is the framework I drew with ChatGPT. It is built around three main forms of capital that a professional can accumulate over the course of a career: &lt;b&gt;human capital, business capital, and financial capital. &lt;/b&gt;&lt;br /&gt;&lt;br /&gt;- Human capital comes from developing skills, expertise, experience, reputation and professional networks. &lt;br /&gt;- Business capital comes from converting that expertise into systems, products, intellectual property, businesses and other assets that can generate value beyond your immediate labour. &lt;br /&gt;- Financial capital comes from converting surplus income into savings, investments and other productive assets. &lt;br /&gt;&lt;br /&gt;FIRE primarily focuses on the accumulation of financial capital, whereas TLFA takes a broader view: it recognises that financial capital is only one component of financial autonomy, and that professionals can build autonomy by progressively strengthening all three forms of capital and increasing the leverage between them. &lt;br /&gt;&lt;br /&gt;The three forms of capital can also reinforce one another: &lt;br /&gt;&lt;b&gt;human capital creates earning power, business capital creates leverage, and financial capital creates compounding.&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='https://pictr.com/image/xtBqOq' target='_blank'&gt;&lt;img src='https://pictr.com/images/2026/08/28/xtBqOq.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;Human Capital → “I can do valuable things.”&lt;br /&gt;Business Capital → “What I know can keep producing value.”&lt;br /&gt;Financial Capital → “My accumulated money can produce more money.”&lt;br /&gt;&lt;br /&gt;Human capital creates value → Business capital scales value → Financial capital compounds value → Autonomy gives you choice.&lt;br /&gt;&lt;br /&gt;TLFA is about moving from earning through labour to &lt;b&gt;earning through increasingly productive forms of capital&lt;/b&gt;, through six stages.&lt;br /&gt;&lt;br /&gt;-----&lt;br /&gt;&lt;br /&gt;&lt;b&gt;&lt;u&gt;The 6 Stages of TLFA&lt;/u&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;STAGE 1: LABOUR DEPENDENCE&lt;/b&gt;&lt;br /&gt;Income = Hours × Wage&lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('580f2ee585c7e76f3daf810d1a3e9cd1')&quot; style=&quot;font-weight: bold&quot;&gt;&lt;u&gt;&amp;raquo; Click to show Spoiler - click again to hide... &amp;laquo;&lt;/u&gt;&lt;/div&gt;&lt;div class=&quot;spoilermain&quot; id=&quot;580f2ee585c7e76f3daf810d1a3e9cd1&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;Stage 1: Labour Dependence&lt;br /&gt;“I need my job.”&lt;br /&gt;&lt;br /&gt;At this stage, income is directly coupled to employment.&lt;br /&gt;&lt;br /&gt;Core equation:&lt;br /&gt;Income = Hours × Wage Rate&lt;br /&gt;I₁ = H × W&lt;br /&gt;&lt;br /&gt;Where:&lt;br /&gt;I = income&lt;br /&gt;H = hours worked&lt;br /&gt;W = wage/hour&lt;br /&gt;&lt;br /&gt;Example:&lt;br /&gt;40 hours × RM30/hour × 4.33 weeks ≈ RM5,196/month&lt;br /&gt;&lt;br /&gt;The fundamental constraint is:&lt;br /&gt;&lt;b&gt;If you stop working → active income approaches zero.&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;Time dependency = High&lt;br /&gt;&lt;br /&gt;This is the conventional employment model.&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;&lt;br /&gt;↓&lt;br /&gt;&lt;br /&gt;&lt;b&gt;STAGE 2: SKILL LEVERAGE&lt;/b&gt;&lt;br /&gt;Income = Hours × Higher Value per Hour&lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('03ec3da23086a00c229c4ad511e96473')&quot; style=&quot;font-weight: bold&quot;&gt;&lt;u&gt;&amp;raquo; Click to show Spoiler - click again to hide... &amp;laquo;&lt;/u&gt;&lt;/div&gt;&lt;div class=&quot;spoilermain&quot; id=&quot;03ec3da23086a00c229c4ad511e96473&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;Stage 2: Skill Leverage&lt;br /&gt;“I can command more value for my time.”&lt;br /&gt;&lt;br /&gt;The objective is no longer simply to work more hours. It is to increase the economic value generated by each hour.&lt;br /&gt;&lt;br /&gt;Core equation:&lt;br /&gt;Income = Time × Value per Hour&lt;br /&gt;I₂ = H × W↑&lt;br /&gt;&lt;br /&gt;The variable that changes is the value generated per hour.&lt;br /&gt;&lt;br /&gt;For example:&lt;br /&gt;&lt;br /&gt;40 hours × RM30/hour = RM1,200/week&lt;br /&gt;versus:&lt;br /&gt;20 hours × RM150/hour = RM3,000/week&lt;br /&gt;&lt;br /&gt;The second professional earns 2.5× more while working half the hours.&lt;br /&gt;&lt;br /&gt;This is better understood as &lt;b&gt;increasing value density&lt;/b&gt; rather than simply working more.&lt;br /&gt;&lt;br /&gt;You increase:&lt;br /&gt;expertise → scarcity → credibility → pricing power&lt;br /&gt;&lt;br /&gt;A useful conceptual measure is:&lt;br /&gt;&lt;b&gt;Value Density = Income ÷ Hours Worked&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;The TLFA objective at this stage is:&lt;br /&gt;&lt;b&gt;Increase income per unit of time.&lt;/b&gt;&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;&lt;br /&gt;↓&lt;br /&gt;&lt;br /&gt;&lt;b&gt;STAGE 3: INCOME DIVERSIFICATION&lt;/b&gt;&lt;br /&gt;Income = Σ Multiple Income Streams&lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('53658cf7776d0f01ded55da18e1d8ff4')&quot; style=&quot;font-weight: bold&quot;&gt;&lt;u&gt;&amp;raquo; Click to show Spoiler - click again to hide... &amp;laquo;&lt;/u&gt;&lt;/div&gt;&lt;div class=&quot;spoilermain&quot; id=&quot;53658cf7776d0f01ded55da18e1d8ff4&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;Stage 3: Income Diversification&lt;br /&gt;“I don&amp;#39;t depend on one income source.”&lt;br /&gt;&lt;br /&gt;The problem now shifts from the value of individual hours to &lt;b&gt;income concentration and dependency&lt;/b&gt;.&lt;br /&gt;&lt;br /&gt;Instead of:&lt;br /&gt;Employer → Salary&lt;br /&gt;&lt;br /&gt;you may have:&lt;br /&gt;Employer A + Client B + Teaching C + Project D + etc.&lt;br /&gt;&lt;br /&gt;The equation becomes:&lt;br /&gt;I₃ = Σ Iₙ&lt;br /&gt;&lt;br /&gt;where each income stream may be:&lt;br /&gt;Iₙ = Hoursₙ × Rateₙ&lt;br /&gt;&lt;br /&gt;or may come from assets, commissions, royalties, products or other sources.&lt;br /&gt;&lt;br /&gt;Another useful variable is:&lt;br /&gt;&lt;b&gt;Income Concentration = Largest Income Source ÷ Total Income&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;For example:&lt;br /&gt;&lt;br /&gt;If one employer provides 100% of your income:&lt;br /&gt;Concentration = 100%&lt;br /&gt;&lt;br /&gt;If five sources each contribute approximately 20%:&lt;br /&gt;Concentration ≈ 20%&lt;br /&gt;&lt;br /&gt;This does not necessarily reduce total labour dependency. Its primary purpose is to &lt;b&gt;reduce single-source dependency and increase income resilience&lt;/b&gt;.&lt;br /&gt;&lt;br /&gt;The objective becomes:&lt;br /&gt;&lt;b&gt;Diversify income without proportionally increasing total working hours.&lt;/b&gt;&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;&lt;br /&gt;↓&lt;br /&gt;&lt;br /&gt;&lt;b&gt;STAGE 4: BUSINESS LEVERAGE&lt;/b&gt;&lt;br /&gt;Income = Labour Income + Asset/System Income&lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('a79bfedc48ea4a8979d89379a495d484')&quot; style=&quot;font-weight: bold&quot;&gt;&lt;u&gt;&amp;raquo; Click to show Spoiler - click again to hide... &amp;laquo;&lt;/u&gt;&lt;/div&gt;&lt;div class=&quot;spoilermain&quot; id=&quot;a79bfedc48ea4a8979d89379a495d484&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;Stage 4: Business Leverage&lt;br /&gt;“My expertise can produce value without me personally delivering every unit.”&lt;br /&gt;&lt;br /&gt;This is where the model fundamentally changes.&lt;br /&gt;&lt;br /&gt;You move from:&lt;br /&gt;&lt;b&gt;Time → Money&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;towards:&lt;br /&gt;&lt;b&gt;Time → Asset/System → Money&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;The equation becomes:&lt;br /&gt;Revenue = Personal Labour Revenue + Asset/System Revenue&lt;br /&gt;I₄ = H × W + A × Rₐ&lt;br /&gt;&lt;br /&gt;Where:&lt;br /&gt;H = personal hours&lt;br /&gt;W = value per hour&lt;br /&gt;A = productive business assets or systems&lt;br /&gt;Rₐ = revenue generated by those assets or systems&lt;br /&gt;&lt;br /&gt;The critical concept is &lt;b&gt;decoupling&lt;/b&gt;.&lt;br /&gt;&lt;br /&gt;Suppose you spend 50 hours creating an online course.&lt;br /&gt;&lt;br /&gt;You don&amp;#39;t want:&lt;br /&gt;50 hours → one payment.&lt;br /&gt;&lt;br /&gt;You want:&lt;br /&gt;50 hours → product → multiple sales → repeated revenue.&lt;br /&gt;&lt;br /&gt;The same principle can apply to:&lt;br /&gt;products, intellectual property, software, licensing, content, distribution channels, business systems and processes.&lt;br /&gt;&lt;br /&gt;Your objective is for &lt;b&gt;an increasing proportion of value creation to occur through assets and systems rather than additional personal labour&lt;/b&gt;.&lt;br /&gt;&lt;br /&gt;This is where genuine time leverage begins.&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;&lt;br /&gt;↓&lt;br /&gt;&lt;br /&gt;&lt;b&gt;STAGE 5: FINANCIAL CAPITAL&lt;/b&gt;&lt;br /&gt;Wealthₜ₊₁ = Wealthₜ + Savingsₜ + Investment Returnsₜ&lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('439d68768ccc51ae7b5737a4eb686e9f')&quot; style=&quot;font-weight: bold&quot;&gt;&lt;u&gt;&amp;raquo; Click to show Spoiler - click again to hide... &amp;laquo;&lt;/u&gt;&lt;/div&gt;&lt;div class=&quot;spoilermain&quot; id=&quot;439d68768ccc51ae7b5737a4eb686e9f&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;Stage 5: Financial Capital&lt;br /&gt;“My accumulated capital can generate returns.”&lt;br /&gt;&lt;br /&gt;Earned income is progressively converted into financial assets.&lt;br /&gt;&lt;br /&gt;The basic equation is:&lt;br /&gt;Wealthₜ₊₁ = Wealthₜ + Savingsₜ + (Wealthₜ × r)&lt;br /&gt;&lt;br /&gt;Where:&lt;br /&gt;W = invested wealth&lt;br /&gt;S = savings/investment contribution&lt;br /&gt;r = investment return&lt;br /&gt;&lt;br /&gt;This introduces &lt;b&gt;capital compounding&lt;/b&gt;.&lt;br /&gt;&lt;br /&gt;For example:&lt;br /&gt;RM100,000 × 8% = RM8,000&lt;br /&gt;RM1,000,000 × 8% = RM80,000&lt;br /&gt;&lt;br /&gt;The percentage is the same.&lt;br /&gt;The absolute productive capacity of the capital is different.&lt;br /&gt;&lt;br /&gt;Over time, you want:&lt;br /&gt;&lt;b&gt;Investment-generated returns → increasingly significant relative to labour income.&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;This is where FIRE enters the TLFA framework.&lt;br /&gt;&lt;br /&gt;The FIRE calculation is essentially asking:&lt;br /&gt;&lt;b&gt;When can investment capital sustainably cover lifestyle expenses?&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;Or, under a simplified withdrawal framework:&lt;br /&gt;Portfolio × Sustainable Withdrawal Rate ≥ Annual Expenses&lt;br /&gt;&lt;br /&gt;If annual expenses are RM30,000 and the assumed withdrawal rate is 4%:&lt;br /&gt;RM750,000 × 4% = RM30,000&lt;br /&gt;&lt;br /&gt;This is an illustration, not a guaranteed safe withdrawal strategy.&lt;br /&gt;FIRE therefore represents &lt;b&gt;one possible pathway from financial capital towards financial autonomy&lt;/b&gt;.&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;&lt;br /&gt;↓&lt;br /&gt;&lt;br /&gt;&lt;b&gt;STAGE 6: FINANCIAL AUTONOMY&lt;/b&gt;&lt;br /&gt;Required Labour → 0&lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('32e81914bb2f77e658369a82891034c6')&quot; style=&quot;font-weight: bold&quot;&gt;&lt;u&gt;&amp;raquo; Click to show Spoiler - click again to hide... &amp;laquo;&lt;/u&gt;&lt;/div&gt;&lt;div class=&quot;spoilermain&quot; id=&quot;32e81914bb2f77e658369a82891034c6&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;Stage 6: Financial Autonomy&lt;br /&gt;“I can work because I choose to.”&lt;br /&gt;&lt;br /&gt;The objective now changes from accumulating wealth to achieving &lt;b&gt;economic optionality&lt;/b&gt;.&lt;br /&gt;&lt;br /&gt;A useful conceptual measure is:&lt;br /&gt;&lt;b&gt;Financial Autonomy Ratio = Non-labour/Optional Income ÷ Required Lifestyle Expenses&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;If the ratio is below 1:&lt;br /&gt;You still need compulsory labour to fund your lifestyle.&lt;br /&gt;&lt;br /&gt;If it reaches 1:&lt;br /&gt;Your basic lifestyle can theoretically be funded without compulsory employment.&lt;br /&gt;&lt;br /&gt;If it is substantially above 1:&lt;br /&gt;You have increasing financial flexibility.&lt;br /&gt;&lt;br /&gt;However, TLFA takes a broader view than investment income alone.&lt;br /&gt;&lt;br /&gt;Financial autonomy can also be supported by:&lt;br /&gt;• financial capital&lt;br /&gt;• business assets and systems&lt;br /&gt;• intellectual property&lt;br /&gt;• diversified income&lt;br /&gt;• strong earning power&lt;br /&gt;• low lifestyle requirements&lt;br /&gt;&lt;br /&gt;The central question therefore becomes:&lt;br /&gt;&lt;b&gt;How much of your desired life can you sustain without being compelled to accept any particular form of work?&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;This is the distinction between financial independence and financial autonomy.&lt;br /&gt;&lt;br /&gt;You may continue working 10, 20 or even 40 hours a week. &lt;br /&gt;The difference is that &lt;b&gt;the work is increasingly optional rather than compulsory&lt;/b&gt;.&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;&lt;br /&gt;↓&lt;br /&gt;&lt;br /&gt;&lt;b&gt;WORK BECOMES OPTIONAL&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;---&lt;br /&gt;&lt;br /&gt;&lt;b&gt;&lt;u&gt;The Economic Progression&lt;/u&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;Stage 1: Labour Dependence&lt;br /&gt;Money ∝ Labour Time&lt;br /&gt;&lt;br /&gt;Stage 2: Skill Leverage&lt;br /&gt;Money ∝ Labour Time × Value Density&lt;br /&gt;&lt;br /&gt;Stage 3: Income Diversification&lt;br /&gt;Income = Multiple Sources&lt;br /&gt;&lt;br /&gt;Stage 4: Business Leverage&lt;br /&gt;Income = Labour + Asset/System Revenue&lt;br /&gt;&lt;br /&gt;Stage 5: Financial Capital&lt;br /&gt;Wealth = Contributions + Capital Returns&lt;br /&gt;&lt;br /&gt;Stage 6: Financial Autonomy&lt;br /&gt;Required Labour → 0&lt;br /&gt;&lt;br /&gt;The trajectory is therefore not necessarily:&lt;br /&gt;&lt;b&gt;Working hours → 0&lt;/b&gt;&lt;br /&gt;but:&lt;br /&gt;&lt;b&gt;Compulsory working hours → 0&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;You can still work 10, 20 or even 40 hours because you want to.&lt;br /&gt;&lt;br /&gt;The objective is not to eliminate work.&lt;br /&gt;It is to progressively eliminate &lt;b&gt;economic compulsion&lt;/b&gt; from the work you choose to do.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;-----&lt;br /&gt;&lt;br /&gt;&lt;b&gt;&lt;u&gt;Conclusion&lt;/u&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;Ultimately, TLFA is about building enough career capital, business capital and financial capital that your livelihood is no longer dependent on continuously selling your time to a single employer or income source.&lt;br /&gt;&lt;br /&gt;The goal is not simply to earn more money, nor is it necessarily to retire as early as possible.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;The goal is to increase the economic value of your time, convert your professional experience into productive assets, allow those assets to generate value beyond your immediate labour, and progressively expand your freedom to choose how you work.&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;In other words, TLFA aims to transform work from a necessity into a choice.&lt;br /&gt;&lt;br /&gt;You don&amp;#39;t work because you have to.&lt;br /&gt;You work because you choose to.&lt;br /&gt;&lt;br /&gt;You can retire. You can work part-time. You can start a business.&lt;br /&gt;You can take a sabbatical. You can pursue work simply because you enjoy it.&lt;br /&gt;&lt;br /&gt;The point isn&amp;#39;t to escape work.&lt;br /&gt;&lt;br /&gt;The point is to &lt;b&gt;have the freedom to choose what you do with your time&lt;/b&gt;.  &lt;!--emo&amp;:)--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/smile.gif' border='0' style='vertical-align:middle' alt='smile.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>Ralna</author>
            <pubDate>Fri, 28 Aug 2026 02:41:15 +0800</pubDate>
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        <item>
            <title>Another job portal, </title>
            <link>http://forum.lowyat.net/topic/5575197</link>
            <description>Sharing this in case anyone is currently looking for a job and wants another platform to add to their search.&lt;br /&gt;&lt;br /&gt;Came across Bossjob recently and thought it was worth sharing. There seem to be quite a number of openings, particularly in sales, marketing, F&amp;amp;B, retail, customer service and other general roles. They also have jobs from sg so in case you&amp;#39;re interested in exploring that area.&lt;br /&gt;&lt;br /&gt;Full disclosure, I may be a little biased in recommending it but I genuinely think there are some decent opportunities on the platform that don&amp;#39;t seem to get much visibility.&lt;br /&gt;&lt;br /&gt;It&amp;#39;s free for jobseekers, so there&amp;#39;s no harm in browsing through the listings alongside the usual Jobstreet/LinkedIn/Indeed searches.&lt;br /&gt;&lt;br /&gt;You can search by job title, location and other criteria here: go.bossjob.my/ly-website&lt;br /&gt;&lt;br /&gt;If anyone has used it before, curious to hear your experience with it too.&lt;a href='http://go.bossjob.my/ly-website' target='_blank'&gt;go.bossjob.my/ly-website&lt;/a&gt;</description>
            <author>redpandarar</author>
            <pubDate>Wed, 26 Aug 2026 16:57:26 +0800</pubDate>
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        <item>
            <title>Should I stay or opt out?, </title>
            <link>http://forum.lowyat.net/topic/5575063</link>
            <description>[attachmentid=11530557]</description>
            <author>MalaysianFirst</author>
            <pubDate>Tue, 25 Aug 2026 13:49:59 +0800</pubDate>
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        <item>
            <title>Metro Optical Group (MOG-Kajang), </title>
            <link>http://forum.lowyat.net/topic/5570783</link>
            <description>Just to check anyone work there currently? How&amp;#39;s the environment and culture there? Can share? Thanks in a million</description>
            <author>Allson2002</author>
            <pubDate>Mon, 13 Jul 2026 13:49:31 +0800</pubDate>
        </item>
        <item>
            <title>Second Interview But In Lower Rank?, </title>
            <link>http://forum.lowyat.net/topic/5570425</link>
            <description>Hi,&lt;br /&gt;&lt;br /&gt;I applied for a role in senior rank, just finished the interview and got offered second interview in coming week. The only thing is in the email title it was stated for junior rank. I double checked with HR and they confirmed it. &lt;br /&gt;&lt;br /&gt;Now in the first round I&amp;#39;ve mentioned my expected salary, I&amp;#39;m now hesitant if I should reconfirm with HR before I go for the 2nd interview.&lt;br /&gt;&lt;br /&gt;Any ideas?</description>
            <author>hlyh1230</author>
            <pubDate>Thu, 09 Jul 2026 22:40:10 +0800</pubDate>
        </item>
        <item>
            <title>Considering an IT Role at MCIS Life PJ? Review, Worst Place to work</title>
            <link>http://forum.lowyat.net/topic/5569576</link>
            <description>Just wanted to share my personal experience working in the IT department at MCIS Life in PJ to help others who may be considering a role there.&lt;br /&gt;&lt;br /&gt;If you&amp;#39;re offered an IT Application Support position that reports to Vijaya Mottaiyan, I strongly encourage you to ask detailed questions about the team&amp;#39;s work expectations before accepting the offer.&lt;br /&gt;&lt;br /&gt;In my experience, work-life balance was not respected. I was asked to log in for work even when there was a funeral at my home, which was very upsetting. I also experienced frequent work-related messages and pressure outside office hours, and I often felt that my personal time was not respected.&lt;br /&gt;&lt;br /&gt;I also personally experienced and witnessed staff being shouted at in the workplace. I found the communication style intimidating and stressful, and it created an unhealthy working environment. one occasion when the issue of shouting was raised, my understanding was that the response was essentially, &amp;quot;I&amp;#39;m like this. If you don&amp;#39;t like it, just leave.&amp;quot; That response made me feel that respectful feedback was not welcomed.&lt;br /&gt;&lt;br /&gt;From my perspective, there were also situations where processes were handled in ways I disagreed with, making it difficult to work effectively. Overall, I found the manager&amp;#39;s style emotionally draining and stressful, and it had a significant impact on my mental well being.&lt;br /&gt;&lt;br /&gt;During my time there, I noticed a high level of staff turnover within the team, although I can only speak from what I personally observed.&lt;br /&gt;&lt;br /&gt;Another issue I experienced was the compensation for weekend work. For example, if we worked two full days over the weekend to support the business, we were only allowed to claim a half-day replacement leave. I felt that the time and effort employees put in outside normal working hours were not fairly recognized.&lt;br /&gt;&lt;br /&gt;One thing I wish I had known before joining is that the &amp;quot;Application Support&amp;quot; role was very different from what I expected. In my experience, it involved very little actual application support or technical troubleshooting. Most of the work revolved around ticket SLA monitoring, manual follow-ups, and outdated processes. There was very limited exposure to application administration, deployments, troubleshooting, or other technical tasks that would help build valuable IT skills. I personally felt that the role offered very little opportunity for technical growth or career development.&lt;br /&gt;&lt;br /&gt;From my experience, there was also a lack of accountability in the team. When management decisions turned out to be mistakes, I felt those mistakes were rarely acknowledged, and the team was often expected to deal with the consequences instead. I also felt that the manager did not adequately support the team when issues arose and that there was a tendency to assign blame rather than work together to solve problems.&lt;br /&gt;&lt;br /&gt;Another challenge I experienced involved onboarding new projects and applications. In my experience, all applications were handed over to the team for support without sufficient documentation or proper knowledge transfer (KT) sessions. I felt this made it unnecessarily difficult to provide effective support, as we were expected to maintain systems without having the information or training needed to fully understand them. From my perspective, I also felt that technical decisions around accepting these handovers did not adequately consider the team&amp;#39;s readiness or the long-term support implications.&lt;br /&gt;&lt;br /&gt;The aspect that disappointed me was the difference between what was presented during the interview and the actual responsibilities of the role. During the interview, I was given the impression that I would have opportunities to support cloud technologies, including AWS, and gain relevant technical experience. However, during my time in the role, I did not receive that exposure. Instead, most of my work involved ticket SLA monitoring, manual follow-ups, and operational tasks. I felt the position was significantly different from what I had expected based on the interview discussions, and I would encourage candidates to ask detailed questions about the day-to-day responsibilities and the technologies they will actually be working with before accepting an offer&lt;br /&gt;&lt;br /&gt;Everyone&amp;#39;s experience may be different, but I wanted to share mine so that job seekers can make a more informed decision and ask the right questions during the interview process. Take care of your mental health&amp;#33; No job is worth sacrificing it.</description>
            <author>vijaya53</author>
            <pubDate>Thu, 02 Jul 2026 10:15:29 +0800</pubDate>
        </item>
        <item>
            <title>[Academic Survey] Construction Labor Productivity, </title>
            <link>http://forum.lowyat.net/topic/5569320</link>
            <description>Hi everyone / forum sifus,&lt;br /&gt;&lt;br /&gt;I am currently conducting an academic research study regarding the factors and challenges affecting labor productivity within the Malaysian construction sector (specifically Klang Valley/KL region).&lt;br /&gt;&lt;br /&gt;If you are currently working in the construction line as a:&lt;br /&gt;- Project Manager / Assistant PM&lt;br /&gt;- Site Supervisor / Site Agent&lt;br /&gt;- Civil &amp;amp; Structural (C&amp;amp;S) Engineer&lt;br /&gt;- Quantity Surveyor (QS)&lt;br /&gt;- Sub-contractor / Main-con&lt;br /&gt;&lt;br /&gt;Your on-site experience and insights would mean a lot to this study. It will only take about &lt;b&gt;3 minutes&lt;/b&gt; of your time.&lt;br /&gt;&lt;br /&gt;📌 Survey Link: forms.gle / 8Vf4yDHgPnatBDuF7 (Please remove the spaces to open the link)&lt;br /&gt;&lt;br /&gt;🔒 &lt;b&gt;Strictly Confidential:&lt;/b&gt; This is a purely anonymous academic survey. NO email addresses, personal names, or company names will be collected. All data is used for academic purposes only.&lt;br /&gt;&lt;br /&gt;Thank you so much for your time and helping out a fellow researcher&amp;#33; Appreciate your support.</description>
            <author>fakestudent</author>
            <pubDate>Mon, 29 Jun 2026 21:06:27 +0800</pubDate>
        </item>
        <item>
            <title>Working in Maybank, Environment, Culture &amp;amp; Benefits</title>
            <link>http://forum.lowyat.net/topic/5568088</link>
            <description>Hi everyone, I’m curious to hear about the working environment, culture, and benefits for IT employees at Maybank.&lt;br /&gt;&lt;br /&gt;Recently I’m interview their IT role, and also currently work as IT employee in a MNC , and this is my first time entering the banking industry IT.&lt;br /&gt;&lt;br /&gt;Will be grateful if everyone can please help to share some thoughts and feedback for me to take note. Thanks&amp;#33;</description>
            <author>KungFu_Panda_MY</author>
            <pubDate>Wed, 17 Jun 2026 14:32:01 +0800</pubDate>
        </item>
        <item>
            <title>Closed, Closed</title>
            <link>http://forum.lowyat.net/topic/5566883</link>
            <description>Closed</description>
            <author>harry_croft84</author>
            <pubDate>Sat, 06 Jun 2026 01:21:11 +0800</pubDate>
        </item>
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