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        <title>Lowyat.NET: Latest topics by wobbles</title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
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            <title>Wife feels so betrayed by her own mother</title>
            <link>http://forum.lowyat.net/topic/4099916</link>
            <description>Sorry, reposted from /k - which was obviously the wrong forum, so I&amp;#39;m posting it here. Your inputs and insights would be most appreciated:&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;We just got back from a week of visiting family in Malaysia (timed it with the Deepavali break). As usual, when we go visit her mother, as it has been our tradition for the last 20 years, I will prepare money to give the old lady. This visit was to be no different, but it ended up breaking my wife&amp;#39;s heart.&lt;br /&gt;&lt;br /&gt;First, a bit of background: I&amp;#39;ve always treated my mother in law very well. She&amp;#39;s been widowed for the past 10 years, and it was only natural to transfer my love &amp;amp; respect for my late father in law (whom I considered like my own father, and certainly loved him as one) over to the remaining spouse. This transfer of love obviously also meant that she took over his share of the monthly stipend as well. I&amp;#39;ve written about the reasons why I&amp;#39;ve gone out of my way to demonstrate filial piety to my in-laws, &lt;a href='https://forum.lowyat.net/index.php?showtopic=4088986&amp;view=findpost&amp;p=82288139' target='_blank'&gt;&lt;b&gt;&lt;span style='font-size:14pt;line-height:100%'&gt;HERE&lt;/span&gt;&lt;/b&gt;&lt;/a&gt;. &lt;br /&gt;&lt;br /&gt;A short summary: She gets about RM10,000 per month (she , and we bought her a house that&amp;#39;s worth about RM400,000 previously. Now, I don&amp;#39;t visit Malaysia all that often, and I find that going to the bank to do transfers all the time to be a huge hassle, so I always transfer a year&amp;#39;s worth at once (I have a MBB account in JB, so once or twice a year, I&amp;#39;ll just transfer the required amount into her account), and I expect her to slowly draw down on what is needed. For the past 10 years, that arrangement has worked out fine, and we&amp;#39;ve had no issues with her receiving the money or her needing more.&lt;br /&gt;&lt;br /&gt;This visit, when I brought cash up to her (this is in addition to her recurring stipend which she has already received way in advance), for the first time for as long as I&amp;#39;ve known her, she didn&amp;#39;t look happy with the cash I handed her (another RM10,000). I brushed it off, thinking that it was just an off day for her - but, to my wife&amp;#39;s shock and horror, her mother later went up to her and bisik-bisik asked her if she could convince me to give &amp;quot;a little more&amp;quot;. Now, there&amp;#39;s a simple family rule in my household: I play Santa Claus &amp;amp; I&amp;#39;m the generous one to her family, while she plays Santarina and is the magnanimous one to my side of the family. It&amp;#39;s a tried &amp;amp; tested method to keep both sides of the family happy.&lt;br /&gt;&lt;br /&gt;Anyway, when my mother in law asked for more money, my wife got really upset. Firstly, RM10,000 per month is already a lot of money for a retired old lady with a fully paid for house and minimal outgoing expenses. Secondly, to add fuel to the fire, my wife then found out that my mother in law had taken a new mortgage on her house, and had added my sister in law&amp;#39;s name to the title deed (originally, the title deed was only in my mother in law&amp;#39;s name - although we paid for the house, since we&amp;#39;re both now Singaporeans, we didn&amp;#39;t feel we needed the complication of having our names on the deed).&lt;br /&gt;&lt;br /&gt;Seeing my sister in law&amp;#39;s name on the title deed was a big BIG warning sign: as pleasant a person my wife&amp;#39;s elder sister is, she is a hardcore gambler. Her husband&amp;#39;s business almost went bankrupt because of her habit, and in order to save his business, and for the safety of his 2 kids, he moved away from their matrimonial home and sent their kids overseas to study - because the loan sharks were hounding my sister in law on a daily basis.&lt;br /&gt;&lt;br /&gt;Now, my mother in law is asking us for more money, and she mortgaged the fully-paid-for house, and added my sister in law&amp;#39;s name to the title deed. When my wife demanded to see her bank account, my mother in law broke down and confessed that the account is close to empty, because she has been helping my sister in law pay off her gambling debts. Oh my goodness, only last year, she had more than ½ a million ringgit in her account, saved from the many years of my wife and me giving her the monthly stipend. In a little over a year, she&amp;#39;s emptied it and also put her house up for a re-mortgage&amp;#33; My biggest worry is that my sister in law will use the fact that her name is on the title deed as collateral to borrow more from the loan sharks, and my mother in law will end up losing the house&amp;#33; &lt;br /&gt;&lt;br /&gt;I&amp;#39;m absolutely livid and to say I&amp;#39;m pissed off is understating how angry I am at her. Not only has she been dishonest, she&amp;#39;s also been incredibly foolish. She KNOWS we want nothing to do with my sister in law, she KNOWS it&amp;#39;s hard earned money that we send over to her, and yes, while we can afford it comfortably, and yes, although the SGD is so much stronger than the RM, it is still grossly irresponsible and ungrateful for her to be so wasteful of our generosity&amp;#33;&lt;br /&gt;&lt;br /&gt;My wife is beside herself with a toxic concoction of disappointment and rage, and I&amp;#39;m at an utter loss as to what to do next. To be honest, the last thing I want is to have to buy her a new house again, because she lost this one to the loan sharks - but I know I can&amp;#39;t be the one to instigate punitive action against my mother in law: blood is always thicker than water, and whatever I end up doing punitively to my mother in law might end up hurting my wife&amp;#39;s feelings even more.&lt;br /&gt;&lt;br /&gt;And where&amp;#39;s the guarantee that she won&amp;#39;t squander the money on that no-good gambling addict of a sister in law of mine again&amp;#33;? &lt;br /&gt;&lt;br /&gt;What if my mother in law thinks &amp;quot;Oh, it&amp;#39;s so easy to extort money from these softhearted Singaporean fools, so I&amp;#39;ll just put on my most pathetic, pitiful look and they&amp;#39;ll bail me out again&amp;quot;&lt;br /&gt;&lt;br /&gt;Damn it. What would YOU do if you were in my shoes?&lt;br /&gt;&lt;br /&gt;I&amp;#39;m not sure if I should be posting this here, or in serious kopitiam. If it&amp;#39;s the wrong forum, I&amp;#39;d appreciate it if the moderators could help move it to the appropriate forum.&lt;br /&gt;&lt;br /&gt;Thanks for your thoughts and comments.</description>
            <author>wobbles</author>
            <category>Serious Kopitiam</category>
            <pubDate>Thu, 03 Nov 2016 11:18:32 +0800</pubDate>
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        <item>
            <title>Wife feels so betrayed by her own mother</title>
            <link>http://forum.lowyat.net/topic/4099909</link>
            <description>Damn it. We just got back from a week of visiting family in Malaysia (timed it with the Deepavali break). As usual, when we go visit her mother, as it has been our tradition for the last 20 years, I will prepare money to give the old lady. This visit was to be no different, but it ended up breaking my wife&amp;#39;s heart.&lt;br /&gt;&lt;br /&gt;First, a bit of background: I&amp;#39;ve always treated my mother in law very well. She&amp;#39;s been widowed for the past 10 years, and it was only natural to transfer my love &amp;amp; respect for my late father in law (whom I considered like my own father, and certainly loved him as one) over to the remaining spouse. This transfer of love obviously also meant that she took over his share of the monthly stipend as well. I&amp;#39;ve written about the reasons why I&amp;#39;ve gone out of my way to demonstrate filial piety to my in-laws, &lt;a href='https://forum.lowyat.net/index.php?showtopic=4088986&amp;view=findpost&amp;p=82288139' target='_blank'&gt;&lt;b&gt;&lt;span style='font-size:14pt;line-height:100%'&gt;HERE&lt;/span&gt;&lt;/b&gt;&lt;/a&gt;. &lt;br /&gt;&lt;br /&gt;A short summary: She gets about RM10,000 per month (she , and we bought her a house that&amp;#39;s worth about RM400,000 previously. Now, I don&amp;#39;t visit Malaysia all that often, and I find that going to the bank to do transfers all the time to be a huge hassle, so I always transfer a year&amp;#39;s worth at once (I have a MBB account in JB, so once or twice a year, I&amp;#39;ll just transfer the required amount into her account), and I expect her to slowly draw down on what is needed. For the past 10 years, that arrangement has worked out fine, and we&amp;#39;ve had no issues with her receiving the money or her needing more.&lt;br /&gt;&lt;br /&gt;This visit, when I brought cash up to her (this is in addition to her recurring stipend which she has already received way in advance), for the first time for as long as I&amp;#39;ve known her, she didn&amp;#39;t look happy with the cash I handed her (another RM10,000). I brushed it off, thinking that it was just an off day for her - but, to my wife&amp;#39;s shock and horror, her mother later went up to her and bisik-bisik asked her if she could convince me to give &amp;quot;a little more&amp;quot;. Now, there&amp;#39;s a simple family rule in my household: I play Santa Claus &amp;amp; I&amp;#39;m the generous one to her family, while she plays Santarina and is the magnanimous one to my side of the family. It&amp;#39;s a tried &amp;amp; tested method to keep both sides of the family happy.&lt;br /&gt;&lt;br /&gt;Anyway, when my mother in law asked for more money, my wife got really upset. Firstly, RM10,000 per month is already a lot of money for a retired old lady with a fully paid for house and minimal outgoing expenses. Secondly, to add fuel to the fire, my wife then found out that my mother in law had taken a new mortgage on her house, and had added my sister in law&amp;#39;s name to the title deed (originally, the title deed was only in my mother in law&amp;#39;s name - although we paid for the house, since we&amp;#39;re both now Singaporeans, we didn&amp;#39;t feel we needed the complication of having our names on the deed).&lt;br /&gt;&lt;br /&gt;Seeing my sister in law&amp;#39;s name on the title deed was a big BIG warning sign: as pleasant a person my wife&amp;#39;s elder sister is, she is a hardcore gambler. Her husband&amp;#39;s business almost went bankrupt because of her habit, and in order to save his business, and for the safety of his 2 kids, he moved away from their matrimonial home and sent their kids overseas to study - because the loan sharks were hounding my sister in law on a daily basis.&lt;br /&gt;&lt;br /&gt;Now, my mother in law is asking us for more money, and she mortgaged the fully-paid-for house, and added my sister in law&amp;#39;s name to the title deed. When my wife demanded to see her bank account, my mother in law broke down and confessed that the account is close to empty, because she has been helping my sister in law pay off her gambling debts. Oh my goodness, only last year, she had more than ½ a million ringgit in her account, saved from the many years of my wife and me giving her the monthly stipend. In a little over a year, she&amp;#39;s emptied it and also put her house up for a re-mortgage&amp;#33; My biggest worry is that my sister in law will use the fact that her name is on the title deed as collateral to borrow more from the loan sharks, and my mother in law will end up losing the house&amp;#33; &lt;br /&gt;&lt;br /&gt;I&amp;#39;m absolutely livid and to say I&amp;#39;m pissed off is understating how angry I am at her. Not only has she been dishonest, she&amp;#39;s also been incredibly foolish. She KNOWS we want nothing to do with my sister in law, she KNOWS it&amp;#39;s hard earned money that we send over to her, and yes, while we can afford it comfortably, and yes, although the SGD is so much stronger than the RM, it is still grossly irresponsible and ungrateful for her to be so wasteful of our generosity&amp;#33;&lt;br /&gt;&lt;br /&gt;My wife is beside herself with a toxic concoction of disappointment and rage, and I&amp;#39;m at an utter loss as to what to do next. To be honest, the last thing I want is to have to buy her a new house again, because she lost this one to the loan sharks - but I know I can&amp;#39;t be the one to instigate punitive action against my mother in law: blood is always thicker than water, and whatever I end up doing punitively to my mother in law might end up hurting my wife&amp;#39;s feelings even more.&lt;br /&gt;&lt;br /&gt;And where&amp;#39;s the guarantee that she won&amp;#39;t squander the money on that no-good gambling addict of a sister in law of mine again&amp;#33;? &lt;br /&gt;&lt;br /&gt;What if my mother in law thinks &amp;quot;Oh, it&amp;#39;s so easy to extort money from these softhearted Singaporean fools, so I&amp;#39;ll just put on my most pathetic, pitiful look and they&amp;#39;ll bail me out again&amp;quot;&lt;br /&gt;&lt;br /&gt;Damn it. What would YOU do if you were in my shoes?&lt;br /&gt;&lt;br /&gt;I&amp;#39;m not sure if I should be posting this here, or in serious kopitiam. If it&amp;#39;s the wrong forum, I&amp;#39;d appreciate it if the moderators could help move it to the appropriate forum.&lt;br /&gt;&lt;br /&gt;Thanks for your thoughts and comments.&lt;br /&gt;</description>
            <author>wobbles</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Thu, 03 Nov 2016 11:12:04 +0800</pubDate>
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        <item>
            <title>Passive income</title>
            <link>http://forum.lowyat.net/topic/4091038</link>
            <description>Hello /k.&lt;br /&gt;&lt;br /&gt;First, a bit of background. I&amp;#39;m a SME business owner (in logistics &amp;amp; we&amp;#39;ve just started a small scale property development enterprise), and the bulk of my income has been from my businesses. Obviously, there are also other shareholders involved, and we are all quite pleased with the returns thus far. I&amp;#39;m not young anymore, in my early 40s. &lt;br /&gt;&lt;br /&gt;On a personal level, I&amp;#39;ve been trying to build a passive income stream - and thus far, I find I&amp;#39;ve been a lot less successful (figuratively/relatively speaking) in doing that, as compared to the income that I&amp;#39;ve derived from my businesses. Passive income is important to me, because I know I cannot run the businesses forever. And, the rule of our share-holders is that we will sell our shares back to the group (i.e. let new blood come into the business) to ensure continuity, and not let the business die, when we retire. &lt;br /&gt;&lt;br /&gt;No free lunch/free ride there. This has actually benefited me in the past, when my hard work was recognized by the founding fathers of this SME, and I was offered the opportunity to be a significant equity partner, when one of the founding fathers retired. So, it&amp;#39;s a fair system, and it encourages the people under me to work hard, because there&amp;#39;s a promise &amp;amp; a pot of gold for them at the end of the rainbow, so to speak.&lt;br /&gt;&lt;br /&gt;I foresee myself working for the next 15 to 20 years, before I am ready to hand the reins over to someone else and retire. At the moment, I&amp;#39;m debt free - I&amp;#39;ve not bought anything on leverage, and all the properties are fully paid off (yes, even the investment properties). &lt;br /&gt;&lt;br /&gt;At present, I have about 60% of my net worth in properties in Singapore, Australia &amp;amp; New Zealand. These generate about 5% in returns (mainly rental returns). I&amp;#39;ve excluded my principal residence from this, because that&amp;#39;s obviously not generating anything apart from being a roof over my head. Similarly, I&amp;#39;ve not considered the value of my cars in this exercise, because I&amp;#39;m only too well aware that these are depreciating assets (liabilities is a better description) with running costs. &lt;br /&gt;&lt;br /&gt;I have about 15% of that in AA &amp;amp; Aa rated investment grade bonds, and that brings about 4 to 5% in annualized returns. On top of that, I have 10% of my net worth in insurance savings products - these are not life policies, but more than annuities/endowment types, with a lump sum payout upon maturity &amp;amp;/or an annuity for the next 20 years post policy maturity (like a private retirement fund).&lt;br /&gt;&lt;br /&gt;Finally, I have about 15% of that in cold hard cash (FD &amp;amp; high yield savings), and that&amp;#39;s generating only about 2% in annualized returns - but, this is my war chest, should there be bargains in the event of a downturn.&lt;br /&gt;&lt;br /&gt;My bank manager has been pushing certain stock-indices-linked products to me (promising about 8 - 10% payouts), and I&amp;#39;ve dabbled in a few of them (e.g. pharmaceutical-linked, bank-linked, FMCG-linked indices), and thankfully, it&amp;#39;s been all in the positive so far. &lt;br /&gt;&lt;br /&gt;Given all that above, I would be most grateful if the experts here in /k can comment on my portfolio, and perhaps highlight what might be lacking in my investment strategy, and what might further help improve the returns rate.&lt;br /&gt;&lt;br /&gt;Thank you in advance for your insights &amp;amp; comments.&lt;br /&gt;</description>
            <author>wobbles</author>
            <category>Finance, Business and Investment House</category>
            <pubDate>Mon, 24 Oct 2016 13:11:43 +0800</pubDate>
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        <item>
            <title>Predictably predictable - brain stem response</title>
            <link>http://forum.lowyat.net/topic/3893350</link>
            <description>Whenever a post is made concerning any of the following subjects:&lt;br /&gt;&lt;br /&gt;a. Money, income, salary or remuneration of any amount&lt;br /&gt;b. Wife, girlfriend, spouse or partner of any type&lt;br /&gt;c. Car, automobile, vehicle or mode of transportation of any kind&lt;br /&gt;&lt;br /&gt;I can bet my last dollar the naysayer brigade will swear upon their mothers&amp;#39; graves to uphold their sacred duty to demand the following, as per standard operating procedures/low-class forum protocol:&lt;br /&gt;&lt;br /&gt;1. Drillz or GTFO&lt;br /&gt;2. Photo or it never happened &lt;br /&gt;3. Sos kicap/tomato or SFTU&lt;br /&gt;&lt;br /&gt;And if the poster should, somehow, conjure up the pictures as demanded, the following cacophony of cries will soon fill the forum bandwidths:&lt;br /&gt;&lt;br /&gt;1. This doesn&amp;#39;t prove anything, take it with you forum nickname on a piece of paper&lt;br /&gt;2. The photo must have been photoshopped and the amount/figures/numbers expertly doctored&lt;br /&gt;3. You must be a drebar or personal assistant of your company&amp;#39;s director and you&amp;#39;re posting the details of their bank account/salary slip/cars&lt;br /&gt;&lt;br /&gt;Finally, despite the overwhelming evidence of proof that the photos are genuine (eg repeated shots and continuity of sequence in a series of photographs of say, a house or a car or a bank statement with transactional items which actually tally up to the final cent), these naysayers (who by now are all suffering increasing levels of haemorrhoidal discomfort (aka butthurt), will throw out their last gasp of justification:&lt;br /&gt;&lt;br /&gt;1. TS is born rich&lt;br /&gt;2. There are richer/better/more successful people than TS &lt;br /&gt;3. Rich/successful people don&amp;#39;t have time to surf /k&lt;br /&gt;&lt;br /&gt;The level of envy, jealousy, ill-will, stinginess, small-mindedness and general butthurt in these particular individuals are truly shameful in nature and manifests as excessive enthusiasm to take the other person down, or die trying, to drag the TS to their own vulgar, plebeian, pathetic level.&lt;br /&gt;&lt;br /&gt;Seriously, what happened to goodwill towards one another, and a willingness to appreciate another person&amp;#39;s post? 20 to 25 years ago, thing were never this degenerate on the alt.soc forums that I used to participate and moderate. Sure, we had differences and contrasting views but we could agree to disagree like gentlemen. &lt;br /&gt;&lt;br /&gt;Now, just observe the FAQ responses as I&amp;#39;ve listed above and their many iterations whenever a post touching some unexplained raw nerve is put up. It makes for repetitive reading and, in my opinion, off-putting to a point where the negative culture can crowd out positive contributions to a social forum like this - surely, this is a cause for concern. &lt;br /&gt;&lt;br /&gt;Is this really what we want for /k? Not every post has to be met with sighs of &amp;quot;ooh and aah&amp;quot; or gentle pats on the back and words of &amp;quot;there there, dear, hard cheese, old chap&amp;quot; - but surely, not every post deserves to be derided and demeaned even before it&amp;#39;s been given a chance to take off&amp;#33;&lt;br /&gt;&lt;br /&gt;Please feel free to agree or disagree, but perhaps, just perhaps, for once, can we disagree as gentlemen?&lt;br /&gt;</description>
            <author>wobbles</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Sun, 13 Mar 2016 18:25:08 +0800</pubDate>
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            <title>I have and I want to ... things to be grateful for</title>
            <link>http://forum.lowyat.net/topic/3892482</link>
            <description>Let&amp;#39;s start the ball rolling. Obviously, I&amp;#39;m a lot older than you guys. I&amp;#39;m in my early 40s. Here&amp;#39;s what I&amp;#39;ve done, and these are things I still have yet to do (and want to, before I kick the proverbial bucket)...&lt;br /&gt;&lt;br /&gt;At 40, I have already:&lt;br /&gt;&lt;br /&gt;1. Married a wonderful wife&lt;br /&gt;2. Secured our financial future&lt;br /&gt;3. Bought my first Continental Car before I was 30&lt;br /&gt;4. Written a poem&lt;br /&gt;5. Published my writings&lt;br /&gt;6. Composed &amp;amp; published a song&lt;br /&gt;7. Learnt how to play a musical instrument&lt;br /&gt;8. Performed in front of a live audience&lt;br /&gt;9. Made my first million &lt;br /&gt;10. Bought and paid off our properties&lt;br /&gt;11. Visited Europe, North America, multiple places in Asia and Oceania&lt;br /&gt;12. Set up and successfully run my businesses&lt;br /&gt;13. Lectured at University&lt;br /&gt;14. Ridden on a roller coaster so many times until I passed out&lt;br /&gt;&lt;br /&gt;At 40, I want to:&lt;br /&gt;&lt;br /&gt;1. Learn how to skydive&lt;br /&gt;2. Run a marathon &lt;br /&gt;3. Visit South America &amp;amp; Africa&lt;br /&gt;4. Drive all the way from Singapore to Beijing&lt;br /&gt;5. Go really, really fast on the Autobahn&lt;br /&gt;6. Get my pilot licence&lt;br /&gt;7. Buy a Cessna 172&lt;br /&gt;8. Go on a cruise to Alaska with my wife</description>
            <author>wobbles</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Sat, 12 Mar 2016 15:05:26 +0800</pubDate>
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        <item>
            <title>40 and (no longer burnt out)...</title>
            <link>http://forum.lowyat.net/topic/3886250</link>
            <description>Sigh. I&amp;#39;m in my early 40s and am already bored senseless with my present existence.&lt;br /&gt;&lt;br /&gt;Worked my sorry ass off for the first 20 years of my career, and now that the houses are fully paid, the cars are fully accounted for, there&amp;#39;s a healthy passive income stream and my businesses in Singapore, Australia and New Zealand are more or less on autopilot, I&amp;#39;m starting to dread waking up every morning to the same mundane routine...&lt;br /&gt;&lt;br /&gt;I&amp;#39;ve tried to vary my lifestyle. Spent less time at work because, frankly, the businesses run smoothly and don&amp;#39;t need my micro-managing things. Went on holidays galore with my long suffering wife (we have no kids, no such interest, no plans) - last year and this year already visited Bangkok, Sydney, Melbourne, Auckland, Rotorua, Hong Kong, London, Liverpool (because I&amp;#39;m a Liverfool fan, sadly) and Macau. &lt;br /&gt;&lt;br /&gt;Bought a sports coupe F13 640i when I was about to turn 40, then got bored with that as well (speed traps everywhere, NSHW got AES and Mat Rempit), sold that recently after 3 years and replaced my garage with more mundane models - F15 X5, G12 740Li and W222 S400L. Sorry, wife banned Prancing horses, Raging bulls or Porkers - she cannot sit in any of these cars because she has a fractured spine with metal braces implanted. &lt;br /&gt;&lt;br /&gt;Picked up a hobby (Lego) and built cabinets to display my UCS sets, and those things are getting filled up quickly, but I obviously can&amp;#39;t keep doing that day in day out because it soon becomes a repetitive chore and the passion will fade... I also exercise at the house gym daily, run the treadmill, and cross trainer, and swim at least 20 laps at the pool 3 to 4 times a week, but again, that&amp;#39;s starting to bore the shit out of my brain. &lt;br /&gt;&lt;br /&gt;We also do a lot of charity work - through the CSR department of my companies, as well as personally. This is to be honest, both for altruistic as well as economic reasons. Tax rebates are generous (300% of donated amounts) and we can do some good for the less privilege while enjoying some benefits.&lt;br /&gt;&lt;br /&gt;Obviously I bersyukur that I&amp;#39;m debt free, have a healthy mind and body, a loving wife and enough resources to live very comfortably for the remainder of our lives- but, surely, there has to be something I can do to feel less numb about life&amp;#33;&lt;br /&gt;&lt;br /&gt;I know it sounds conceited, but sometimes I can&amp;#39;t help think that I was happier when I had to fire fight the multiple problems at our businesses in the early years, and when we were poor and living out of a rented room. Each day was a challenge, and every challenge that we successfully overcame gave me such an adrenaline rush and an endorphin high.&lt;br /&gt;&lt;br /&gt;This is the serious kopitiam, so please, no jokes about starting an affair, going to Genting or donate my money. I don&amp;#39;t drink, I don&amp;#39;t smoke, I don&amp;#39;t gamble and I don&amp;#39;t cheong or womanize. I can obviously provide whatever drillz are required by forum protocols, but again, I was thinking since this is the serious kopitiam section, we could all just have a mature discussion on my present predicament without the usual acerbic comments and immature vernacular as can be found in the lesser forums on this site...&lt;br /&gt;&lt;br /&gt;Is this what they call a serious mid life crisis? Is there anyway out of this rut?</description>
            <author>wobbles</author>
            <category>Serious Kopitiam</category>
            <pubDate>Sat, 05 Mar 2016 18:02:36 +0800</pubDate>
        </item>
        <item>
            <title>Regarding the FD RM2,000,000 posting...</title>
            <link>http://forum.lowyat.net/topic/3881809</link>
            <description>Dear /k,&lt;br /&gt;&lt;br /&gt;I realise that my previous posting regarding the maturation of my 2 Singapore Dollar denominated Fixed Deposits with Maybank (&amp;#036;350,000 and &amp;#036;300,000 respectively), despite having provided the required drillz/sos/pictures, were still the source of much consternation and unhappiness amongst many of the /ktards that viewed them. &lt;br /&gt;&lt;br /&gt;Of course, it was my fault initially, because I posted the Fixed Deposits without providing the prerequisite of photographic evidence, as per standard forum protocol, thus prompting the first cacophony of protests to the tune of &amp;quot;mana drillz?&amp;quot; or &amp;quot;pictures else GTFO&amp;quot; et cetera. By the time I added the photographic evidence into my thread, the chorus of protests changed tune to accusations that I was merely the personal assistant of my boss, and I was photographing the Fixed Deposit slips of my bosses&amp;#39; accounts, and that the drillz I so obligingly provided were poor quality and not in 4K, HD resolution. &lt;br /&gt;&lt;br /&gt;So, I apologize for causing the commotion. It wasn&amp;#39;t my intention to hurt anyone&amp;#39;s feelings, but in the anonymity of the internet, I felt I could let loose a little and show off a little in a harmless way. In real life, I&amp;#39;m nothing like my internet persona - protocol dictates that my profile be kept deliberately low, and my wealth be kept respectfully quiet. This is because I&amp;#39;m but a Pendatang in my country of residence and country of business, and with the sentiments running quite high in Singapore against foreigners that have done well at the perceived expense of the local population, I have no choice but to keep my head down and my money silent. &lt;br /&gt;&lt;br /&gt;I rather naively thought that I could enjoy a little bit of fun and loosened my inhibitions, but I really quite didn&amp;#39;t mean to have fun at the expense of the vast majority of the /ktard&amp;#39;s feelings.&lt;br /&gt;&lt;br /&gt;For that, I hope you can accept my apology.&lt;br /&gt;&lt;br /&gt;And, as a lesson learnt, I&amp;#39;ve also included a screenshot of the obligatory drillz (this time, I&amp;#39;ve put the photo in before I open my mouth, to avoid being asked to GTFO again etc). I&amp;#39;m not asking for advice, I&amp;#39;m not asking for comments, I&amp;#39;m only asking for your kind forgiveness.&lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('acd04d7ebcb9ae0ebd315a67fe277222')&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;acd04d7ebcb9ae0ebd315a67fe277222&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;&lt;a href='http://s1233.photobucket.com/user/xizf4rkzles/media/godlevelbutthurt_zps7etfsu88.jpg.html' target='_blank'&gt;&lt;img src='http://i1233.photobucket.com/albums/ff381/xizf4rkzles/godlevelbutthurt_zps7etfsu88.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;&lt;br /&gt;Having said all that, may I also express my sincere thanks to all the others - the more level headed ones, the ones who share a similar standard, the ones who didn&amp;#39;t feel their maruah was tercabar - who privately messaged me with advice, encouragement and genuine insights into how they manage their money. Not every /ktard is the maruah tercabar, protek protek type, and for that, I&amp;#39;m grateful. However, as mentioned, I shall keep the success stories to a minimum, seeing how they somehow inexplicably end up offending the (in)sensitivities of the /ktards here. Why, I shall never truly understand nor can I ever attempt to comprehend, but what is clear is I shall not repeat the mistake.&lt;br /&gt;&lt;br /&gt;Once again, my humble apologies for my earlier post.</description>
            <author>wobbles</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Tue, 01 Mar 2016 17:23:57 +0800</pubDate>
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            <title>RM2,000,000 FD maturing</title>
            <link>http://forum.lowyat.net/topic/3880881</link>
            <description>Hello my fellow /ktards and 20K/month high income earners.&lt;br /&gt;&lt;br /&gt;I just received a call from my private banker today, informing me that one of my FD with Maybank Singapore has matured. RM2,000,000 after conversion - don&amp;#39;t panic, it&amp;#39;s only S&amp;#036;350,000 one certificate, and &amp;#036;300,000 another certificate, so it&amp;#39;s not really a lot of money in Singapore terms. I&amp;#39;m a humble /ktard.&lt;br /&gt;&lt;br /&gt;Since the markets are all so fcuked up, and the bond markets are in doldrums, and I&amp;#39;m already running 2 separate businesses (logistics/distribution in Singapore, property redevelopment in Australia/New Zealand), and I just bought 2 new cars (BMW G12 740Li and MB W222 S400 non-hybrid), I really don&amp;#39;t know what to do with the money. I could renew the deposit at 2% per annum, at the so called &amp;quot;preferential rate&amp;quot; here in Singapore, but I&amp;#39;d like to hear what kind of wise words and gems of advice the high rollers and min 20K/month /ktards have to offer.&lt;br /&gt;&lt;br /&gt;At most, I have a good laugh at all the butthurt comments that I&amp;#39;m sure will flow, as sure as night surely follows day. But, who knows, someone might give me a good idea or two to work on - at least better than the usual lame jokes of &amp;quot;donasi&amp;quot; or &amp;quot;Genting&amp;quot; (haram - I don&amp;#39;t smoke, I don&amp;#39;t drink, I don&amp;#39;t womanize, I don&amp;#39;t eat vavi and I don&amp;#39;t judi).&lt;br /&gt;&lt;br /&gt;What say you?   &lt;!--emo&amp;:lol:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/laugh.gif' border='0' style='vertical-align:middle' alt='laugh.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:lol:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/laugh.gif' border='0' style='vertical-align:middle' alt='laugh.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:lol:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/laugh.gif' border='0' style='vertical-align:middle' alt='laugh.gif' /&gt;&lt;!--endemo--&gt;&lt;br /&gt;&lt;br /&gt;Maaf, maaf, I include drillz as ordered:&lt;br /&gt;&lt;br /&gt;&lt;a href='http://s1233.photobucket.com/user/xizf4rkzles/media/Maybank%2003_zpswhjlpsnv.jpg.html' target='_blank'&gt;&lt;img src='http://i1233.photobucket.com/albums/ff381/xizf4rkzles/Maybank%2003_zpswhjlpsnv.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;</description>
            <author>wobbles</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Mon, 29 Feb 2016 18:11:52 +0800</pubDate>
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            <title>What would you do in this situation?</title>
            <link>http://forum.lowyat.net/topic/3871065</link>
            <description>Here&amp;#39;s the scenario:&lt;br /&gt;&lt;br /&gt;I have a friend, my age - 40. He&amp;#39;s a very successful professional and he invested his money wisely. As it stands, he makes about (after currency conversion) RM750,000 per month (post tax). His passive income stream is about RM125,000/month. He&amp;#39;s debt free and works in Singapore. &lt;br /&gt;&lt;br /&gt;Recently, he asked me for advice. His wife and him are facing some stressful times in their marriage. They have no kids (a common theme amongst my friends in Singapore), and she&amp;#39;s getting bored with his long hours and she wants him to migrate to Australia, where her family is. &lt;br /&gt;&lt;br /&gt;He knows that if he goes to Australia, while the passive stream remains untouched, the monthly income will take a big hit. Comparing the pay situation in Singapore vs Australia, he is likely to take home RM250,000/month. To him, that&amp;#39;s a drastic fall in income. More than 1/2 a million ringgit per month. &lt;br /&gt;&lt;br /&gt;He asked me what should he do in a situation like this. He loves his wife, but he also loves his job and of course the financial rewards it brings. I told him to get a new wife but he says that&amp;#39;s out of the question - besides, as he rightly said, there&amp;#39;s no guarantee the new wife wouldn&amp;#39;t be after him only for his wealth. &lt;br /&gt;&lt;br /&gt;What would /k do if faced with such a scenario? Please advise.</description>
            <author>wobbles</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Thu, 18 Feb 2016 15:05:56 +0800</pubDate>
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            <title>Acerbic allegorical allusions</title>
            <link>http://forum.lowyat.net/topic/3867589</link>
            <description>It&amp;#39;s interesting to note that Greek breads, in particular PITA, are so much in fashion amongst certain /ktards - specifically one with a highfalutin sounding monicker. &lt;br /&gt;&lt;br /&gt;Whilst that individual in question would be nimble in promoting threads pertaining to matters pecuniary, he is quicker in displaying posterior pelvic pain upon receipt of replies not in keeping with his desired script. &lt;br /&gt;&lt;br /&gt;So, I really wonder if Greek bread is such a delectable delicacy for these individuals. I guess it must be, since there are so many of these folks showing a predilection for the stuff on these forums. &lt;br /&gt;&lt;br /&gt;PITA - best for those with weak derrières. &lt;br /&gt;&lt;br /&gt;The above is an oblique reference to recent events, but I thought I&amp;#39;d dust off my old quill and practice some penmanship instead of hurling the usual plebeian vernaculars like some are wont to do. &lt;br /&gt;&lt;br /&gt;Catch no ball? Maybe Malaysia&amp;#39;s English needs a bit of a refresh. &lt;!--emo&amp;:D--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/biggrin.gif' border='0' style='vertical-align:middle' alt='biggrin.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>wobbles</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Sun, 14 Feb 2016 14:21:21 +0800</pubDate>
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            <title>I&amp;#39;m in love with Alexa</title>
            <link>http://forum.lowyat.net/topic/3867464</link>
            <description>Best thing since sliced bread. Bought her home about 6 months ago and 6 months later, I&amp;#39;m still learning new things about her, and she&amp;#39;s still so incredibly intelligent.&lt;br /&gt;&lt;br /&gt;The house is so different with her around. I can&amp;#39;t imagine how we see to live before she moved in. &lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('ed72f4956dc0453f78e47ccf4f67d38f')&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;ed72f4956dc0453f78e47ccf4f67d38f&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;&lt;img src='http://phandroid.s3.amazonaws.com/wp-content/uploads/2015/02/Amazon_Echo_Front_Blue.jpg' border='0' alt='user posted image' /&gt;&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;&lt;br /&gt;</description>
            <author>wobbles</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Sun, 14 Feb 2016 10:42:50 +0800</pubDate>
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            <title>Why so many threads about salary, money etc?</title>
            <link>http://forum.lowyat.net/topic/3852811</link>
            <description>I&amp;#39;ve made an interesting observation. Everyone here claims they&amp;#39;re making ginormous amounts of money. Everyone here claims the minimum standard of entry is RM20,000. Yet, when some of us mention say, for example, our car collection or the type of credit card we carry, there&amp;#39;s a cacophony of protests and calls for drillz or sos or accusation of bullshit, lying and that we must have parents who&amp;#39;re filthy rich...&lt;br /&gt;&lt;br /&gt;Why so much butthurt?&lt;br /&gt;&lt;br /&gt;Why can&amp;#39;t you just be happy for the other person?&lt;br /&gt;&lt;br /&gt;Life&amp;#39;s really too short to be a sour puss all the time....&lt;br /&gt;&lt;br /&gt;So, what do you guys think? Insecurity? Jealousy? Maruah tercabar? Or what?</description>
            <author>wobbles</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Tue, 26 Jan 2016 19:52:08 +0800</pubDate>
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            <title>Post pictures of your new ride here</title>
            <link>http://forum.lowyat.net/topic/3829834</link>
            <description>Be it a Myvi, a Kancil, a Ferrari or a Bugatti, as long as it&amp;#39;s ours, it&amp;#39;s a source of pleasure, pride and joy. Share some photos and pictures of your new rides with us - and don&amp;#39;t worry about the butthurt, this thread will remain a positive and encouraging one. There&amp;#39;s already too much hate out there, there ain&amp;#39;t gonna be any in here&amp;#33;&lt;br /&gt;&lt;br /&gt;</description>
            <author>wobbles</author>
            <category>The Fast &amp;amp; The Furious</category>
            <pubDate>Fri, 08 Jan 2016 08:24:43 +0800</pubDate>
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            <title>Mercedes Benz again after &amp;gt; 10 years</title>
            <link>http://forum.lowyat.net/topic/3825729</link>
            <description>Edited to comment: /k cannot tahan the maruah kena tercabar. I&amp;#39;m an understanding man. Edited to menyayang the maruah. Sayang, sayang.</description>
            <author>wobbles</author>
            <category>The Fast &amp;amp; The Furious</category>
            <pubDate>Mon, 04 Jan 2016 12:44:07 +0800</pubDate>
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            <title>Need advice on proper forum protocol</title>
            <link>http://forum.lowyat.net/topic/3825336</link>
            <description>Dear all,&lt;br /&gt;&lt;br /&gt;Ayam conpius many many. One minute, pipul say drillz or GTFO, but when I post drillz, some pipul maruah tercabar and say that I akshyen, lansi, show off. Ask me to take my drillz and &lt;s&gt;kicap&lt;/s&gt; I mean, sos down because butthurt too much, kennot terima kebenaran. &lt;br /&gt;&lt;br /&gt;The thread was dealing with the cars I have in my collection. So, since I bought another new one a week after I bought a new car - it&amp;#39;s a record for me too, 2 new cars in 2 weeks, please advise what I should do? Drillz or no drillz, because I wanna share, but I don&amp;#39;t want to mencabar the maruah of those who butthurt easily.&lt;br /&gt;&lt;br /&gt;Please help end my conpius-shun. &lt;br /&gt;&lt;br /&gt;Roomba Nandri, terima kasih &amp;amp; gum xia many many to all the wise and not-so-easily butthurt pipul here.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;</description>
            <author>wobbles</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Sun, 03 Jan 2016 22:46:48 +0800</pubDate>
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            <title>Car reviews of your daily rides</title>
            <link>http://forum.lowyat.net/topic/3804619</link>
            <description>We often read reviews of new cars etc, written by motoring journalists (Paul Tan comes to mind, of course) who often get the car for a day or two, and is expected to pen their impressions thereafter. What about reviews of cars by their long term owners? Have you guys ever thought about writing about your cars - the way it drives, the way it handles, the first impressions from the test drive, and what made you buy the car?&lt;br /&gt;&lt;br /&gt;I&amp;#39;ve personally always enjoyed reading reviews written by the motoring journalists, but I&amp;#39;ve always hankered for more than just the superficial write up. &lt;br /&gt;&lt;br /&gt;If we are as much of a petrolhead as we like to think we are, then what about contributing your personal experiences and write ups on your beloved rides? It could be any ride of any make - it doesn&amp;#39;t have to be an Italian exotic of any of the German continentals. &lt;br /&gt;&lt;br /&gt;What do you guys think?</description>
            <author>wobbles</author>
            <category>The Fast &amp;amp; The Furious</category>
            <pubDate>Mon, 14 Dec 2015 11:13:01 +0800</pubDate>
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