Lowyat.NET: Latest topics by ronheaven

EPF now can invest online

ronheaven — Mon, 19 Aug 2019 17:02:25 +0800

QUOTE

KUALA LUMPUR, Aug 19 — Eligible members of the Employees Provident Fund (EPF) can now make an informed investment of unit trust funds offered by EPF-approved Fund Management Institutions (FMIs) through the self-service i-Invest online platform within the i-Akaun portal.

For members below 55 years old, an investment can be funded directly from the eligible portion of members’ savings under Account 1 with a sales charge ranging from zero to 0.5 per cent of the transaction amount.

EPF chief executive officer Tunku Alizakri Alias said the digitally powered facility empowers members to take control of their investments and make transactions at nearly zero cost.

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A key element of the online investment facility according to Tunku Alizakri was that sales charges were now practically free, as the EPF has enforced a maximum cap of 0.5 per cent compared to the current 3 per cent for offline and traditional transactions through agents.

Meanwhile, members aged 55 and above can utilise i-Invest using Akaun 55 or Akaun Emas through i-Akaun as a mode of withdrawal, subject to maintaining a minimum of RM1,000 in their account.

For the period of 2019/2020, a total of 389 funds from various categories, namely equity, mixed assets, bond, money market and property trusts, were approved under the EPF members investment scheme. — Bernama

https://www.malaymail.com/news/money/2019/0...from-ep/1782065

Hatyai - KL every month

ronheaven — Tue, 23 Jul 2019 09:59:29 +0800

Hi,

I'm going back and forth between KL and Hatyai every 4-6 week for family reason.
I'm driving sedan, also got 4x4 if needed.

Currently I'm helping friends to buy Thai rice/snack/ointment, and sometime motorcycle part. This pay for my fuel and toll.
I'm thinking if there's a way to do small business out of this. Something like getting order from Tomyam shop to get some Thai stuff?

Preferably, I'd like to have load both ways, but I can't think of anything in KL that Hatyaian would like.

Any input is highly appreciated.

Note
I don't speak Thai. But many in Hatyai can speak Malay
I go through Bukit Kayu Hitam-Dannok border

Advice on Personal Budget

ronheaven — Wed, 16 Mar 2016 15:13:19 +0800

Hi guys,
I'm just looking for general guideline for my personal budget, as I think I'm in better position than most of my friend, so I don't have anyone to discuss number openly. To give some baseline, I'm 26 years old this year. No car or house.

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Monthly Nett Income: RM5.3k

Monthly Budget
- Study loan: 220 (no interest. 6k to go)
- Parent: 500
- Astro/TM/TNB/Syabas: 250
- Room Rental: 420 (weekday rent so I don't have to drive 1 hour to office)
- Food/Groceries/Entertainment: 700
- Insurance: 220
- Saving: 250
I throw the rest to ASNB & Tabung Haji investment. Which is around 2700. I'm not sure if there's better invesment vehicle out there. Flip a house maybe?

###

Objective

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Offered to become manager

ronheaven — Wed, 18 Mar 2015 19:29:25 +0800

Current Position: Senior(Team Lead)
Year in company: 1year+
Experience before joining: 3years+
Specialization: IT System/Network
Company: SME, in-progress to be public listed

My department never had manager since the inception at least 6years ago. Back then there is this CTO which cover both IT System & IT Software team. Our CTO 'poached' by other company and currently both team leader report directly to CEO. IT team size is slightly less than 20 people. Pretty big considering the fact that we're not tech company.

Recently, my CEO offer me managerial position for IT System team. Frankly speaking I'm not interested but I asked for 2 days, to make decision. I always prefer to go deeper technically and the opportunity is not available in the company. I think he can sense that I'm intended to leave in the next few month because I did told my colleague that I'm taking professional certs unrelated to company technology. That's why he offered me the managerial post. But I didn't actually plan to leave anytime soon.

Personally, I'd prefer not to go to management level at this point of my career(I'll be the youngest manager in the company). Not because I'm unambitious, but because I think that I'm competent technical-wise, good at leading a group of people technically, but not so much at managing budget/purchase or planning general trajectory of my team.

My question here is, what would you do if you were in my position right now? I'd love to hear from all angle.

God Forgive Me

ronheaven — Tue, 01 Nov 2011 20:09:16 +0800

All this while I though football player no semayang one, I silap rupanya

restroom during half-time

Hai-O is imam, no wonder so powderful that night

[Travel]What To Do

ronheaven — Fri, 28 Oct 2011 10:39:28 +0800

Regarding this topic : No Money but Want to Travel

I already decided to go continuously from KL-Woodland-KL-Hatyai-KL (7-11th November 2011)

already book the train ticket :

KL-Hatyai (13+ hours)
Hatyai-KL (13+ hours)

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KL-Woodland (6+ hours)
Woodland-KL (5+ hours)

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so what should I do for about 8 hours around Woodland and 2 day 1 night at Hatyai?

in case you're wondering what kind of travel only 6-8 hours, the real journey for me is while 'on the way'(train) and not the final destination

[Travel] Where To Go?

ronheaven — Tue, 25 Oct 2011 20:36:31 +0800

semester break in few weeks and I got RM 300 extra money,plan to go somewhere for few days
I really never had the chance to go to many places except KL&Selangor

I love adventure & nature,eat twice a day,would like to travel by public transport and I don't mind sleeps anywhere(cheap motel,hut,tent, home-stay)
I'll be going alone...so where to go?

Travel Date : 7/8/9/10 November 2011

Budget :
Food : RM10 per day
Other are for accommodation etc

cum suggest /k/ travel master!!

if anybody want to go with me also OK,but girl only please

Day Trip to Singapore

ronheaven — Mon, 03 Oct 2011 20:47:08 +0800

I'm suppose to join a day trip to Singapore with my club member last semester but I have problem at that time and miss the trip. So I really wish to join any trip to Singapore just for city tour and sightseeing

Do anyone know is there any travel/transport service(bus/train) that provide 1-day trip to Singapore(package+pass) for below rm150
Either from KLIA/Putrajaya/Shah Alam

thanks in advance

Apprenticeship Programme

ronheaven — Sat, 03 Jul 2010 01:50:01 +0800

Hi,
Today I've been offered opportunity to join Malaysian Automation Institute apprenticeship programme(4years) along with other 150 engineering students,it is a programme where we will be given real industry experience where every week there will be 1 or 2 day on the company(in my case Proton), but they only want 50 student and they said their consideration will purely base on the essay as we already qualified academically

Honestly,I've never wrote any essay for serious matter like this or scholarship etc
FAQ&A
-4years continues programme
-convert study loan to scholarship chance
-no bonding or contract

The Question is 'Why We Should Choose You?'

I'm first year degree student in local IPTA

Any experience,guidance and help will be appreciated,TQ

delete

ronheaven — Sun, 18 Apr 2010 09:13:27 +0800

cancelled!!

Lowyat.NET: Latest topics by ronheaven

EPF now can invest online

Hatyai - KL every month

Advice on Personal Budget

Offered to become manager

God Forgive Me

[Travel]What To Do

[Travel] Where To Go?

Day Trip to Singapore

Apprenticeship Programme

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