Lowyat.NET: Latest topics by persona93

Wtf not sure if bodo

persona93 — Mon, 31 Jul 2023 21:17:07 +0800

https://www.reddit.com/r/MalaysianPF/commen...nt=4&utm_term=1

The OP Comments even funnier

Coffee Machine

persona93 — Wed, 14 Jun 2023 11:45:52 +0800

As per topic, wanna get 1 for wife

currently Nespresso Lattissima machine at Shopee got RM300 discount

looking at Gran Lattissima machine

budget 2k ish

thanks all sifus

FFFUUUUUUUUUUU

persona93 — Thu, 30 Mar 2023 10:53:46 +0800

NSFW post showing tortoise peepee

[reddit]/r/Unexpected/comments/1261mgy/well_its_bigger/[/reddit]

Aummzzz

persona93 — Wed, 29 Mar 2023 11:39:25 +0800

[fb]https://www.facebook.com/100011373459221/posts/pfbid0fMxFfhUWGcXmazaGKJRSbpZuELVVAy8dVpSur6KcuDdoo5BgviY624NQGPBTnvdcl/?d=w&mibextid=qC1gEa[/fb]

This one salah who?

persona93 — Tue, 28 Mar 2023 08:57:21 +0800

[fb]https://www.facebook.com/watch/?v=771027787592029&extid=CL-UNK-UNK-UNK-AN_GK0T-GK1C&mibextid=1YhcI9R&ref=sharing[/fb]

QUOTE

Penghantar makanan maut dirempuh SUV
IPOH – Seorang penghantar makanan maut apabila motosikal ditunggangnya bertembung dengan kenderaan utiliti sukan (SUV) jenis Haval di Jalan Tanjung Rambutan-Chemor di sini semalam.
Nahas tersebut mengorbankan mangsa berusia 32 tahun di lokasi kejadian akibat kecederaan parah.
Ketua Polis Daerah Ipoh, Asisten Komisioner Yahaya Hassan berkata, polis menerima laporan kemalangan membabitkan SUV jenama Haval dan motosikal Honda RS150 pada pukul 10.44 malam.
Katanya, siasatan awal mendapati kejadian berlaku ketika kereta dipandu lelaki berusia 21 tahun itu dalam perjalanan dari arah Tanjung Rambutan menghala ke Chemor.
“Apabila tiba di lokasi kemalangan, kereta tersebut telah bertembung dengan motosikal yang ditunggangi mangsa.
“Mangsa yang mengalami kecederaan parah meninggal dunia di lokasi kejadian manakala pemandu kereta tidak cedera,” katanya di sini hari ini.
Menurut beliau, mayat mangsa telah dihantar ke Jabatan Forensik Hospital Raja Permaisuri Bainun (HRPB) untuk bedah siasat.
Katanya, punca kemalangan berlaku apabila kereta berkenaan bertembung dengan motosikal ditunggang mangsa.
“Siasatan terperinci sedang dijalankan dan kes disiasat mengikut Seksyen 41(1) Akta Pengangkutan Jalan 1987,” katanya. – KOSMO! ONLINE

Reborn

persona93 — Mon, 27 Mar 2023 14:27:57 +0800

https://www.independent.co.uk/news/world/as...y-b2307461.html

QUOTE

A Mongolian boy born in the US has been named as the reincarnation of the third most important spiritual leader in Tibetan Buddhism by the Dalai Lama.

The faith’s spiritual leader has been pictured with the eight-year-old boy taking part in a ceremony in Dharamshala in the Indian state of Himachal Pradesh – where the Dalai Lama, 87, lives in exile – recognising him as the 10th Khalkha Jetsun Dhampa Rinpoche, according to The Times.

Mongolian media reports suggest the child is one of a pair of twin boys named Aguidai and Achiltai Altannar, sons of Altannar Chinchuluun and Monkhnasan Narmandakh, a university mathematics professor and a national resources conglomerate executive, respectively.

The boy’s grandmother, Garamjav Tseden, is meanwhile a former member of parliament.

The move to acknowledge him as the rebirth of Buddhism’s spiritual leader in Mongolia is likely to anger China, which has previously insisted it will only recognise Buddhist leaders who its own special government-approved appointees have chosen.

» Click to show Spoiler - click again to hide... «

Hmmmm

persona93 — Fri, 24 Mar 2023 15:42:06 +0800

So now West to East?

persona93 — Fri, 24 Mar 2023 13:15:56 +0800

Wow US really liddis meh?

persona93 — Wed, 22 Mar 2023 16:49:16 +0800

[tiktok]7210822116491431211[/tiktok]

Oldfags kam in

persona93 — Mon, 20 Mar 2023 11:44:23 +0800

School holiday habis liao

persona93 — Mon, 20 Mar 2023 08:23:18 +0800

How was the traffic for you guys

Mine was shyt, wanna filter and cilok also cannot

actually what's the science behind school holiday less cars and more jam??

Basikal Bodo

persona93 — Fri, 03 Mar 2023 16:59:23 +0800

[fb]https://fb.watch/j1rVt4gjQq/?mibextid=xs5ma6[/fb]

Weh PKP back?

persona93 — Tue, 28 Feb 2023 15:01:18 +0800

» Click to show Spoiler - click again to hide... «

Helu Polis

persona93 — Mon, 27 Feb 2023 14:46:12 +0800

Sudah kena angkut belum?

[fb]https://www.facebook.com/100044952080240/posts/pfbid0vvZK91v1TdYjkaoRaF3eRbyWiVaBEtBRfruuNCeLMRyprGJsVaRHPs2qxnnb8GJJl/?d=w[/fb]

[fbv]199182232706495[/fbv]

SPM 2023 got bocor?

persona93 — Fri, 24 Feb 2023 10:38:34 +0800

QUOTE

SOALAN peperiksaan Sijil Pelajaran Malaysia (SPM) 2022 melibatkan topik Kertas 2 subjek Sejarah didakwa bocor hari ini.

Topik bagi soalan kertas sejarah itu didakwa tersebar di aplikasi WhatsApp sejak semalam, sebelum calon menduduki peperiksaan subjek berkenaan pagi tadi.

Difahamkan antara topik yang dikatakan bocor membabitkan ‘Malayan Union’.

Di aplikasi TikTok, isu soalan bocor itu mengundang rasa tidak puas hati pelajar dan netizen yang mahu Kementerian Pendidikan Malaysia (KPM) mengambil tindakan tegas terhadap pihak yang membocorkan soalan peperiksaan berkenaan.

Netizen mendakwa soalan bocor itu diberikan seorang guru yang juga penggubal soalan Sejarah daripada sekolah berasrama penuh.

Rata-rata pelajar kesal dengan tindakan guru terbabit dan berharap supaya tidak perlu menduduki semula kertas berkenaan.

Subjek Sejarah merangkumi Kertas 1 dan Kertas 2 merupakan subjek teras yang perlu diambil pelajar.

Seramai 403,637 calon menduduki peperiksaan bertulis SPM 2022 yang bermula Isnin lalu hingga 15 Mac, membabitkan 3,355 pusat peperiksaan seluruh negara.

KPM dalam kenyataannya memaklumkan seramai 131,318 petugas peperiksaan telah dilantik bagi memastikan kelancaran pengurusan dan pengendalian peperiksaan berkenaan.

https://malaysiapost.com.my/2023/02/23/soal...spm-2022-bocor/

TS want to get money back from friend

persona93 — Tue, 21 Feb 2023 11:09:39 +0800

Hi /k

I've got a retarded someoene that I know who's owing me RM8680. A little bit of background, i know him 4 years ago, we worked at the same tuition centre. His parents are divorced and last time he used to stay with his grandmother and now i dont know where the fuck he's at.

Before Covid, he was doing well by teaching tuition, he's a smart guy gotta give him that. He even bought over another tuition centre but then Covid came and that's when his downfall started. I met my ex in the same tuition that me and him were working together. After his downfall, he started with his sob story and shyt and to date I have gave him money, bought devices for him to help with his studies and rent (he's a part time loyar). He did pinjam other places, take loan here and there, borrowed along and other stuff. So i did tell him (2 years ago) settle everything else then come to my hutang

When me and my ex broke up, I did go to him for advice because he knows my ex longer than me, so that's where i feel indebted to him to the point where i thought by doing good deeds i would get my ex back, but then nothing worked out my family was a bit enraged with my ex due to how she dumped me, and they harassed her quite a bit so this friend advised my ex to report police and stuff if it persists. but moving on, he did gave me advice to just move on and stuff.

so since last year I have started to ask my money back, RM200 a month, so far he's paid RM1000, which brings the total now RM7680. But for now, for 2 months he has not paid me back, i have been messaging him constantly and he does reply from time to time, he has been giving countless reasons that I'm honestly fed up with. today after 3 days of no reply, i messaged him and he said he's taking a loan to pay me back, i told him give me proof that he's applying a loan to pay me back

how can i get back my money back FUCK

tldr; TS want to get money back from friend

Two Wongs don't make a Wright

persona93 — Tue, 14 Feb 2023 15:37:35 +0800

Jom kira2

persona93 — Fri, 10 Feb 2023 14:22:33 +0800

QUOTE

I probably need some advice, but this is a rant more than anything else.

Background

I came from a B40 family (parents were lab techs or lowly government servants). Growing up, we knew the importance of money and I learnt how to save from my parents, who would boycott stuff for years even if the price increase was just 20-50 sens. They would also tally income and expenses every month manually in a ledger, and they started channeling some savings into equities etc. Of course, properties then were lower than they were now, and so my parents eventually had multiple properties.

My siblings and I were also pushed very hard at school (they still believed that the best investment was education). We had to be it all. Best student, athlete, you name it. What that meant was that all of us were admitted to reputable foreign universities. Unfortunately, I did not get a full scholarship, unlike my siblings. That won't have been a problem if I stayed overseas, since could earn in a stronger currency.

Fast forward, I met and married my wife who insisted on staying back in Malaysia and in a particular state. For love, I agreed. So yes, it was my decision. But that has brought my family into a financial stalemate. Even after 3 years, we do not have much savings due to very high expenses - something which I would not have imagined to be caught dead with - having being brought up in a low income household who constantly drilled it into my head that "it's not how much you earn, but how you manage it". Summary below.

Income and Expenses rundown

We take home about 28k MYR a month after taxes. I feel that in any other scenario, we would have been fairly well off. My parents had far less than that.

-RM5k - I am still paying back a study loan which was in USD, and it will be another couple of years before I can finish it. Even a meager amount in USD is insane in MYR!

-RM 3k - There are now 2 children who incur some expenses every month.

-RM 2k - As my wife insisted in staying in one state, and I had to work in another state to ensure I earn a high enough income to support my study loan and the family. But weekly the back and forth commute adds to expenses. I have half a mind now to stop going back until we have a financial buffer, but I really, really love being with my small children and my wife also does not agree.

-RM 7k - Wife's general expenses. Although my wife was brought up in an even poorer family (uneducated parents who could only work factory jobs or unemployed), they did not espouse the same thrifty values. This was extremely surprising for me - I wrongly assumed that all people from poor origins would know the value of saving, but she was brought up where her parents were content with their socio-economic situation, alright in living hand to mouth, "borrowed" money from relatives and friends to keep afloat, and didn't have the capacity or viewed an importance to save. I am surprised also because she has a postgraduate degree. Most of her other family members were also contented with earning low and I believe it this mentality is now ingrained in her. So while our expenses are through the roof, she still earns a meager salary and does not seem to be able to advance in position or pay.

-RM2k - to my wife's parents. She was brought up in a traditional setting where parents viewed children as potential bank accounts.

-RM3k - have to rent 2 places at once since it's in 2 states.

-RM2k - Food.

-RM1k - Other general expenses like shopping.

So I am asking if anyone has any ideas:

What should I do with 3k leftover a month? What sort of investments (non-bumi) should I take right now? I'm 35 so the runway has significantly decreased.

What expenses can I cut? You may assume that most of what my wife expenses is non-negotiable (although I recently had a chat with her about buying children unnecessary stuff every week and she seems receptive to reducing that). I am thinking of cutting the 2k weekly flights. I don't think I can decrease that by taking the train or bus as my job is intense and I have no energy to spend 5+ hours commuting. I have also recently reduced my rent to live in a room with room mates, even though I am 30+ years old. However, I cannot downgrade my wife's rent as both my child and her parents (they don't have property) with us.

Generally, I am quite disappointed with life. Even if I were in a high income high expenses situation, I wished it were because I have a mortgage - I don't even have a house at 35! At least that would have been money put towards a possible asset. I know comparing is bad, but I also constantly envy my siblings as they have multiple properties overseas despite being younger than me and are living comfortable lives in fat cat jobs that typical ivy league graduates overseas have. They could come home for a holiday and make RM20k purchases on the spot while we are leisurely walking around the city without blinking. Who cares about FIRE when you're making half a million out of college, amirite?

tldr

We take home about 28k MYR a month after taxes.

-RM5k - I am still paying back a study loan which was in USD, and it will be another couple of years before I can finish it. Even a meager amount in USD is insane in MYR!

-RM 3k - There are now 2 children who incur some expenses every month.

-RM 2k - As my wife insisted in staying in one state, and I had to work in another state to ensure I earn a high enough income to support my study loan and the family. But weekly the back and forth commute adds to expenses. I have half a mind now to stop going back until we have a financial buffer, but I really, really love being with my small children and my wife also does not agree.

-RM 7k - Wife's general expenses. Although my wife was brought up in an even poorer family (uneducated parents who could only work factory jobs or unemployed), they did not espouse the same thrifty values. This was extremely surprising for me - I wrongly assumed that all people from poor origins would know the value of saving, but she was brought up where her parents were content with their socio-economic situation, alright in living hand to mouth, "borrowed" money from relatives and friends to keep afloat, and didn't have the capacity or viewed an importance to save. I am surprised also because she has a postgraduate degree. Most of her other family members were also contented with earning low and I believe it this mentality is now ingrained in her. So while our expenses are through the roof, she still earns a meager salary and does not seem to be able to advance in position or pay.

-RM2k - to my wife's parents. She was brought up in a traditional setting where parents viewed children as potential bank accounts.

-RM3k - have to rent 2 places at once since it's in 2 states.

-RM2k - Food.

-RM1k - Other general expenses like shopping.

What should I do with 3k leftover a month? What sort of investments (non-bumi) should I take right now? I'm 35 so the runway has significantly decreased.

Hujan lebat

persona93 — Thu, 02 Feb 2023 16:39:57 +0800

Ride/drive safe uolls

Take loan to buy car for work

persona93 — Wed, 01 Feb 2023 15:00:30 +0800

Bincangkan