Lowyat.NET: Latest topics by Tan77

Emergency Fund

Tan77 — Mon, 26 Aug 2024 14:39:39 +0800

Bro, can i layan my cc available limit total as my emergency fund?

Many internet guru said we have to get ready 6 months emergency fund ready in case something unforeseen happens

But I feel very wasteful just to park the total fund in fd, thinking of use it to clear my cc and car loan and houseloan
Isn't this way I can save some debt interest?

So arragant tng cust care

Tan77 — Sat, 18 Mar 2023 11:13:47 +0800

This morning I topup tng untuk coin laundry spend, topup jadi. tapi pas tu transaction coin laundry fail.

So I called tng custcare. Slow betul, I took almost 45minuted to get a human talking to me. then they said bcos my topup auto pergi GO+, so, not their problem. But I said I always topup like this and then spend at coin laundry also ok. They insist not their problem. Gave me GO+ contact. then they cabut.

I called GO+, actually GO+ is also tng company, different department. GO+ told me no problem from their end, and they said this is not the first time I do transaction like that, today can not go tru, must be tng e wallet mia problem. They ask me call back the tng team. so, what to do, call la

So I called back tng, then this time a lady answer call, go tru the whole process again, every single details. BUT, she said it is GO+ problem piulak. I beg her not to transfer me to GO+ again as I talked to both tng and GO+ before and spent almost 2hr to get here. But half way, I talk, the line cut off

So I call this tng back, this time I ask for the name of the agent answering my called first, so that i can lodge complaint if they cut off my line like that again. She got so mad and angry bcos I am asking for her full name, mentioned her name to me almost in the shouting mode, and dont even dare to give me her full name even i insist. But, okla, talk to solve the issue more important

So, I talk to her from the begining, every single detail again, and she verify me like no tomolo, long process.
At last, still cant solve, they cant solve bcos they cant even know whats the problem, they said no problem from tng side. So I also naik api already bcos she want to sepak me to GO+ again. I start to ask for her higher level contact so that I can escalate the issue if all of them cant get it solve, and ofcos to complaint above the way she talk in shouting mode

In turn, she lagi marah than me, she told me she want to stop the conversation and will send me email to verify my ID, ask for all kind of funny info, she ask me even snap a pic of my hp to them, and it will take a blasting 7 DAYS to completed. Kind of punished me for I want to complain to her higher level

So arrogant nowaday this tng
But we also can not dun use them as they monopolised quite a number or transaction like parking, also got current gomen want to coopoerate with them groom their business

celeka

rant

Tan77 — Wed, 11 Jan 2023 11:41:59 +0800

last sunday my wife said wanna go back see her parents, then we whole family hapi2 go. I as son in law to how to go see in law with empty hands. So we go shopping first for those herb and chinese medicine from yee yan sang go la. cheap2 better than nothing la

My parents in law stay with thier son and family. Father in law bed ridden, can only sit up on the bed, but very councious and can chitchat. My mother in law old but quite healthy

So when we arrived, i got excited and very hapi bcos my brother in law and his family not around and i no need to see their shitty faces, bcos they went out shopping

so the things goes very well, good chit chat and laughter. my wife also help her mother clean her dad wipe clean2 change baju. And we talk about what to do during cny.

then suddenly my brother in law come back. And not too long after that his wife scold my 3yo doter bcos said she is very noisy. So i know la, ppl also not like to see our faces, so we pura2 say got appointment and got to go.

Then outside the house b4 we go inside our car, then my brother in law and his wife come out, return to us all those thing for the parents that we bring

And she tell my wife, if we buy those herb and expensive medicine for my parents in law, then they live long2 time, then who wanna jaga them? so she said the parents dun need those thing and my brother in law put everything back in my car boot.

while I almost want to return some words, my wife stop me.
But then, my brother in law's wife hasnt finished.

And she said, during the last long holidays (xmas and new year time), when we broght my mother in law go out jalan2 vacation at ipoh the time (for 3 days if not mistaken), she and my brother in law got to take care my father in law, made them very susah. And my brother in law somemore help his wife to make a conclusion, meaning, ask us next time dun ever bring my mother in law out again for holiday

my jaw drop and i cant say a words

rant finished, and happi cny in advance to all

How to find Angel Investor

Tan77 — Sat, 28 Dec 2019 15:29:18 +0800

I am existing /k creating new account to seek serious opinion.

I have an idea, which I think is very good. It mainly provides solution for an existing problem in the market, business size is big, even just in Malaysia. I surveyed, the idea has not been used anywhere in US or China. The market segment is big, and the growth rate is be crazy if successful.

But I have a problem, how can I seek investment from investor while I am not comfortable to give out the idea at moment like this.

Usually how a unicorn project get start? How people like me get over a stage like this?

I am a 40+ /k previously worked in technology industry (with a business/management role to be precise). I stopped my career already for the almost 3 years until now, where I ventured into the business field of this project in order to gain some onhand knowledge and business market info (price, market size, suppliers, competition, staffing...)