Lowyat.NET: Latest topics by 123help

US SIM cards

123help — Tue, 11 Oct 2022 15:47:14 +0800

Is there any way I can get a US SIM card that is already activated in US before? I need it to create an account using US number and it need verification. Shopee only sell non activated numbers

Airmiles kaki come !

123help — Mon, 19 Sep 2022 18:34:58 +0800

What's the next best miles credit card after Maybank 2 card premier?

Need a backup card

Online Passport Renewal

123help — Tue, 13 Sep 2022 18:41:51 +0800

I have done my passport renewal and need to collect the passport on next day but I totally miss out in downloading back my payment receipt..

is there anyway I can retrieve the payment receipt? Searched everywhere in email and it doesnt show up

Am I being selfish?

123help — Tue, 22 Dec 2020 15:46:17 +0800

My GF just called me selfish just now. I’m 24 currently and my GF is 21. Before the pandemic hit us, we are living together at a house that my parents bought for us so we can stay nearby to where we worked. My GF isn’t married to me but she willing to stay in the new house (without my parents) with me so she can carpool with me to work. Every weekend we will come visit her parent house and stay for Saturdays and Sunday.

Her parent wasn’t very keen on living with me since we aren’t married. I understand their reasoning and I did not comment much. Fast forward half a year later, I decided to venture to my business full time since my business gained a lot of traction and at the same time my GF was struggling during her work and complaining that her boss abused the workers to work for longer hours and did not follow the safety measure needed to be done during the pandemic. Watching my gf struggling made me felt hurt so I offered her a job that does graphic design for my company and at the same time I asked her to pursue whatever business she have passion with since money wasn’t the problem anymore.

My business at the moment do not need office since me and my employees work from home. While this happens, my gf parents urged her to come back when MCO happened we stay at their place. From few days became a week, two week. I did not have time to enjoy at my own house but rather I stay at my girlfriend place more often than my own house. I spent majority of the time working all day long even when she hanging out with her family member.

I understand that her parents want to see their daughter and her family is friendly. They cooked food every day for us which I did not fork out a penny on which I’m grateful. But things gets sour when I want to go back my own house. I have a routine where I need to hit the gym 4 times a week and apparently I spent a lot of money to build my home gym but I didn’t get to use it fully. And her family culture is cooking food everyday for lunch and dinner which is the opposite of mine. I grew up eating outside food so this feel alien to me and I can’t adapt. I need my Nando’s.

Whenever I mentioned I want to go back home, my girlfriend will automatically follow me as she quite clingy. She is always in a bad mood if I were to go back my own house and she left alone with her family. But she’s quite close with her family so whenever if both of us want to go back, it’s harder to go back home cuz her family will ask her to stay for lunch. After lunch, asked us to stay for dinner. After dinner, asked her tomorrow only go back as it’s too late. And it repeats again and again. There are times when when we decided on a day to go back, and it dragged till 10PM (1 hour drive back to my house) and I have to rush my gym session until it’s 1AM which I think it’s absurd when I have so much free time during the afternoon but I need to rush like crazy during the night.

Whenever I mentioned I want to go back home alone, my GF will mentioned she doesn’t want to follow me back anymore which left me a bit in a dilemma. I started weightlifting in hoping to get confidence and I been neglecting it recently. I had trouble sleeping too. I understand that her parents want to see her as much as possible but I feel like I lost myself. My business is running well and I don’t feel happy at all.

I don’t enjoy my life. My girlfriend called me selfish for wanting to go back home so I can eat my Nando’s while her family cook great food for us everyday. I just miss living in my house. I don’t mind letting my girlfriend hanging out at her own house while I go back myself. I don’t mind fetching her anytime whenever she wants to hangout in my house but she doesn’t like the idea. She always pulled out the card where she doesn’t want to join my friends hangout or come my house anymore which leave me no choice to follow her plans.

Am I really the asshole? I just want to gym but my gf thinks I’m selfish

How much of a property I can afford?

123help — Mon, 05 Oct 2020 03:10:01 +0800

How much of a house can I afford?

123help — Mon, 05 Oct 2020 02:40:35 +0800

I’m 24 currently and I have 1million in cash from my business (still up and running) and I’m currently thinking to buy a house in the near future (maybe 3-5 years time?)

Currently my dad settling my loan for the car he bought for me (under my name)(worth 150k) and a house (joint name)(worth 1.6M) which happens to have my name also.

Both of the car and house going to be paid finish within 1 year.

My business currently making about 80k-150k net profit every month, while I paid myself 10k gross per month into my personal acc from my business and I managed to built up a cash saving of 1million. I don’t have any loans beside the ones that my parents bought for me and I have ZERO PTPTN and cc debt loan.

How much of a house can I afford to purchase right now? Would the 2 car and house loan affecting me?

STOCKS VS ASM

123help — Thu, 19 Dec 2019 01:18:14 +0800

I’m 23 this year. I need some guidance in my finances.
Currently I’m quite a high risk investor which I believe I can afford to risk my wealth to a certain extend since I do not have commitments.

Here are my assets at this point of time.

FD = RM30K
EPF = RM66K (I self contribute)
BTC = RM60k
ASM = RM43K
STOCKS = TOTAL OF RM30K
GENM = RM25K
MAYBANK = RM5K
SAVINGS = RM25K
PRS = RM2K

1 year ago, I spend everyday spamming captcha for ASM that why I’m able to get until about RM42k, but recently I bought a lot MAYBANK stocks due to its dividend. (Averagely 5.5% dividend yield).

Initially, I thought I could keep continue adding my funds every month in ASM to gain compounding interest but due to limited slots in ASM, I’m thinking to move out all my ASM funds and park under MAYBANK stocks and continue to add more in it for more compounding interest.

Is this a wise move? Or should I just leave my ASM funds and pour new funds into MAYBANK instead?

Side hustle turned to full time business?

123help — Wed, 23 Oct 2019 18:31:13 +0800

….

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123help — Thu, 06 Jun 2019 01:44:45 +0800

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Am I wrong to think this way ?

123help — Mon, 20 May 2019 02:12:33 +0800

I’m currently a fresh graduate that worked for the past 6 months in a very reputable M&C that most people is dying to get in.

I believe I did fairly well in terms of my career progression since my boss entrusted me a project for me to carry it on my own even when I just joined the company as fresh graduate. Not only that, my university approved my schorlarship to further my studies in Masters. Even when my career progressed really fast in just this 6 month but the truth is, I can feel some unhappiness deep inside of me.

Before I decided to take up IT field during my university, I always have a passion in selling products. I went from selling secondhand products during my form 5 to selling reputable Tshirt brands to selling Streetwear apparel and now I’m currently owned a small online business that deals with online marketing companies while having my full time job.

Recently, my small online business had a big surge in profit that brings in more than double of my full time job salary. I’m honestly grateful for what everything happened since I just started my career but deep down inside of me I have always wondered what will happen if I decided to drop my whole IT profession and focus on building a few business ? Is it really worth to throw all my hard work in IT profession even when it seem so promising?

Boss keep hinting increment

123help — Fri, 19 Apr 2019 07:45:37 +0800

Hi guys, I’m a fresh graduate that just joined roughly 7 months. Throughout my time in the company, I completed a few projects here and there and recently I took a lead in one of the IT projects to come up with a prototype for client.

Before this, my boss hinted me about a special increment after I completed past projects and just yesterday he asked me to do well for this project so there’s a chance for special increment.

Any thoughts in this ? Anybody gotten this treatment before ? All is just a lie to get employee to work harder ? 🤔

Is this the right girl for me?

123help — Tue, 23 Oct 2018 18:57:13 +0800

“There are plenty of fishes in the sea”
“Is she the one?”

I’m pretty sure these two lines is the most overheard sentence in our life but I starting to felt that is my girlfriend the one for me? I got no problems with my girlfriend. Our relationship has been pretty great tbh except the fact of location.
I live roughly 30-40KM away from her while her place isn’t exactly a city kind of place. We’re both university students so we are going to get our first job maybe end of the year or next year. She is most probably going to get a job nearby her place while mine is in City. I’m taking my part time Master as well so my free time isn’t exactly much either. I’m worried that I could not spend much time with her when I have my responsibility piling up.

The next doubt was the current incident where my girlfriend have her huge family problem. Her dad is really ego and the olden days kind of parents where the wife must followed his orders. Last weekend I witnessed her mom almost got bash by her dad and luckily managed to get block by my gf. Even I have to step in to block her dad from bashing his wife. When I’m not there, her dad pushes her away to try and hit his wife and resulting my gf got scratched. I was seriously mad about this. His wife was so afraid that she sleep in her relative house and my gf dad got so annoyed that he tried to hang his wife’s dog just to draw out her attention. From that moment, I feel there is no human being should ever do this to a living thing. This is where I have huge doubt on my future with my girlfriend. Seeing my girlfriend shielding her mom and her brother from getting a beating from her dad haunts me every single day.

I’m sorry for the long rant but idk how to talk about this to my girlfriend. Is her family issues going to affect my relationship onwards? I definitely don’t want her parents argurment to affect my life.

GF got angry

123help — Wed, 10 May 2017 18:48:53 +0800

Delete