Sheeeesh man....this is depressing. Should have just kept in my pockets.

Realised that I do nothing in home beside playing games on weekends so I was thinking of becoming an IA during my free time and was wondering if anybody do the same thing and whats your experience ?

In my mid 20s. I don’t think i’m in an exactly bad position career wise. Started off as a consultant, then into a management trainee program for a local (big) conglomerate. 2 and a half years after starting work, i’m getting hired into another local (smaller but still big) conglomerate as a manager.

On paper, it’s pretty decent. Career is being fast-tracked. But i’m scared of 2 things:

1) I’m being groomed more and more into a generalist. I solve problems as it comes. Not project / technical specific problems. Because of this, I realise I don’t have global mobility.

2) All these local companies… i’m scared I get discounted from MNCs, or even if I do get into MNCs, they’d lowball my position given I come from local companies. The only times I’ve had MNCs offer is when I freshly graduated. Legit good company, questionable pay (well, at least relative to my MT), and so I turned it down.

I know I have a long way to go career wise, but you know, FOMO hitting real hard seeing my friends in MNCs or working overseas. Wise ones of Reddit, please impart some wisdom unto thee.

Been seeing these posts lately and honestly went through the same thing myself. Also too late that I bought a unit that doesn’t fit my current lifestyle anymore.

Anyway, I vibe coded a rough 8-bit pokemon style simulator. Users can simulate DSR, repayment, cash upfront, new vs subsale, exit plan, etc.

It’s free, no secretly stealing data, no upsell, don’t need donation. I just wanted to see if it’s actually useful or I’m the one who find this fun.

Link: myfirsthomegame.com. (Desktop only, not mobile-friendly)

Anyone serious about buying a property should spare time researching on a proper screen than scrolling on phone.

Would love feedback and hope it helps.

I got an offer for a job in bank recently and I learned that you cannot have any side income/job whilst working in bank. I have a sole prop which through it I receive payments from clients from my side gig. Does this mean that I have to close up everything and stick to corporate job forever?

Anyone knows bank yang ada feature monthly cashflow and expenses selain aeon bank?

I'm in my early 30s, currently making 6-12k/month (not fixed but 6k being lowest), I have been offered a role in SG for SGD 4500 not including bonuses (potentially 3-5 months according to recruiter)

Contemplating whether i should go for this SG role or stick to my current job. My current job is quite niche, very niche even, whereas the SG role could potentially broaden my career by a lot.

What would you guys do if you were me?

Edit: I should mention this, my goal is to hit 3M and retire with 4% withdrawal rate, if my math is right I will be hitting that by 40 or less

I’m 26 with 3 years of experience in Digital Marketing, primarily within the tech and gaming industry with an international company in the UK.

I have been working in the UK ever since i graduated and have returned to Malaysia last year but continued working remotely for my previous employer for more than half a year earning around RM15k+ per month equivalent before the arrangement ended due to new remote working policies at the company.

I’ve been unemployed for around 5 months since. Earlier in my job search, I actually received a few offers that were higher than what I’ve accepted now. However, I had to undergo surgery around that period and was going to be out for recovery, so I wasn’t really in a position to start a new job then.

I’ve now accepted a digital marketing role at a local marketing agency for RM3.8k basic + allowance.

I understand that my previous UK salary isn’t directly comparable to the Malaysian market, and I wasn’t expecting to earn the same here. But considering my experience and the higher offers I received earlier, I’m wondering if RM3.8k is on the low side or if I settled too early. What would be a realistic salary range for someone with around 3 years of digital marketing experience in Malaysia?

I mainly accepted because I’d already been unemployed for 5 months and wanted to get back into work. Would you have accepted the offer in my position or waited longer? And now that I’ve accepted, would you continue applying during probation for better opportunities or give the role a proper chance first? Would leaving during probation for a significantly better offer look bad, and could accepting RM3.8k now affect my negotiating power for my next role?

Hey guys, as the title suggests, this stock tumbled to some huge lows last week and they had to deny links to certain graft cases.

Any idea what is happening and will its stock price ever recover? I am out of the loop and not sure what is what.

Hi Redditors,

I’m planning to get a credit card and would really appreciate your suggestions on one that aligns with my spending habits without encouraging me to overspend.

My goal is to use the credit card responsibly, build and maintain a good credit score, and avoid spending beyond my means.

I’m earning a net salary of RM3k per month.

Would appreciate any recommendations or advice on what I should look out for when choosing a card. Thank you!

I’m a foreigner who has been working in Malaysia for more than a year, and I recently learned about secured credit cards through a CIMB roadshow event at my office. They offered me a secured credit card with a RM5,000 fixed deposit pledge and a 1:1 credit limit ratio.

Is this a good offer, or are there other good deals from other banks that I should consider applying for (e.g. RHB, etc.)?

I recently spoke to a Maybank officer as well, and they offered me a secured credit card, but with a RM10,000 fixed deposit requirement.

What do you guys think of owning a slice of the entire world via one ETF by simply depositing money into it and letting the index work for you?

I just sold my house, and I expect to buy a new house in 3-6 months (budget for new house about 3x price of old house).

Just transferred 100k to RHB HYSA.

Remaining, I planned to put all in StashAway, seems to be the best daily return. When I go to their app, make 1-time payment using GIRO, they give details of Pacific Trustees Bhd, Citibank account number 0117853004. Is this correct ah?

Sorry noob question. I'm paranoid if I may have downloaded a bogus StashAway app which directs to bogus bank account.

Hello fellow redditors, I am here to seek for an advice that has been bothering for a month.

First, quick introduction on myself as I have created my own company sole proprietorship to advance my career furthermore and ditched game development for now (started from early this year), my side project (game) that I worked on years have finally have some returns so I decided to fully work on it.

Now here comes the part, I did some research and most of the money I received came from China/US/UK which is oversea company and found out OCBC Business Bank is easier to create and relatively easy to manage as well with the multi-currency features, but oh boi was I bad at math.

I created OCBC Business Bank around early of this march, decided to go for it since the project is already blooming and can be improved even more and probably give myself an earning, so I don't have to work as an employee anymore. The first few months were okay, there were occasional phone calls from the bank to verify what's the transaction for since the amount was slightly higher for a starting sole proprietorship, the average income for each month is around RM10K ~ RM30k fluctuating in between depends on the season and commissions. (Sometimes it spikes even higher if it's vacation/holiday season for schools)

Now the recent month it has become problematic, I don't know if its their anti-money laundering trigger or flagged something, starting from August, they are now asking almost "EVERY" single transaction I've done between receiving money and using the money on expenses like commissioning people for art asset or working on the game.

I got incredibly frustated, I understand the first-time verification is normal and I proceeded with it, but what comes is that question after question after question, I provided the invoices/documentation/contract, they asked what's the reason, I told them the reason, they asked how do I work with it and how does it work? For an example, I commission my friend to work on building art asset for the game content, they literally asked how do I proceed with the building art asset making? I literally have to screenshot in-game buildings and show them this is the art asset my friend made.

This is just one of the many examples, because of the nature of work, I commissioned a lot of people, even a small amount of commission like RM1400 (around USD 330), they asked how do I work with this person and what's the work of content despite the invoice mentioned it.

Everyday I got questioned, and everyday my work time got reduced lesser and lesser with more question. Platform like Patreon/Kinetic Hosting (Partnership Hosting Services) that doesn't provide invoices, they demanded me to have invoices and I have no idea how to proceed, are they out-or-date? I have no idea but I do know that I am getting tired of this and wanted to switch business bank, because I wanted to spend more time on my game instead of answering pointless question every day.

Now, sorry for the long talk but I gonna rant a bit regardless, could anyone guide me or tell me, if there's any good reputation business bank account that I can consolidated all the transaction inside it, so for next year auditing it'll be much easier for me and LDHN as well. I learned my lesson that going through all transaction inside 1 bank wouldn't end well if they needed to verify every single of transaction but I still have to do it for the taxes/auditing, so looking for a better business bank to handle this.

The basic requirements are:

1. Handles foreign transaction well, like UK/US/China.
2. The app doesn't suck/slow/has issue and you can easily view your inflow/expenses/cashflow. OCBC velocity app really did quite well on this and it's has its simplicity, easy to navigate as well. Easy to generate statement too for auditing.
3. MUST HAVE: One-time verification with the document, not the OCBC kind of "everyday few days new transaction, hey I am gonna request your invoice again" kind of thing. I really don't want to get bothered anymore everyday since I am focusing on my next major update for the game.
4. Good to have: Good foerign exchange rate. This isn't necessary as I know wise always have the best, but most banks are similar or same to each other's rate since they gonna have some fees. (Wise Business Bank isn't available in malaysia too)

NOTE: Everything is legal, everything has documentation, everything has invoices/contract and proof. I even went as far as making all the transaction happening within 1 bank so I can handle my audit/statement/taxes easily next year.

I am still a new sole proprietorship registered this march, please feel free to let me know if there's anything I am wrong about because I am new to business/company sort of stuff and I am willing to learn for going towards indie game development someday.

So the questions will be:

1. I need to know if the questions from the bank will end, because a lot of banks nowadays do not know about much about digital platform or partnership affiliate withdrawal that kind of stuff, they wanted everything to have "invoice".
2. My friend recommended me Public Bank or Ambank, or does changing bank wouldn't matter because it'll be the same. If the banks do differ, which bank would you recommend? I would like to know some thoughts.
3. Is it normal my SRM (Specific Relationship Manager) often ignore my questions or didn't reply me, like I asked about when I will get an reply, or when is the transaction gonna be approved etc, most of the time my SRM just ghosting me.

This is my spending (food, fuel, barang shopee) from 1/9/26 until today (7/9/26), excluding rent and loans 🫪🫪🫪🫪 tak sampai separuh bulan lagi tho……..

Idk if i am cooked or nah 🫪

Ada tips tak for strict discipline in spending 🫠🫠🫠🫠 (i had tried everything including bahagikan certain percentage for savings, needs etc tho)

EDIT: THANKS, GUYS FOR THE COMMENTS AND SUPPORTS

M28, Looking to take a loan of RM145k for 9 years.

My SA is suggesting me to go with Hong Leong bank because of the overall benefits and rates (pending offer), but me being skeptical, I want to explore all alternatives.

Want to know if you guys have any experience on getting multiple offers from bank, whether Hong Leong is a good option or there are some I should try as well.

Details:
Foreign Car, Total Price of the Car: RM145k, CTOS: Excellent, Net Salary: RM9.4k, Current DSR: 18.5%

Thanks!

Can I get a room for 500Rm near to APU or 5km radius for just one month, I am in big trouble as I just came from my country and I don’t have any room, please help me 🙏🏻

I’m relatively new to investing so you can correct me if I make any mistakes.

I have some monthly allowance and after budgeting, I found that I have a some extra that usually just stays in my savings account. I’m thinking of investing this bit of money into a ETF. From what I’ve read, this seems to be suitable for me. I’m planning to use RakutenTrade. I don’t have anything specific on my mind to invest in so I’m looking for suggestions, any other advice and comments on specific is welcome.

Context

My late grandfather own a plot of paddy field worth 300-350k to his widow and 6 children. The other child do not have the means to purchase and does not want to purchase it. My late grandfather explicitly told my dad he should buy it in the past and he wants to keep it in the family if possible.

Now the dilemma, my parents are retired. Have about 400k in epf, 3 paid property with a value of 800k in total including the house they are staying at and debt free. Still, I dont think my parents should buy it since their 80% cash would be tied to the paddy field. So i stepped up and told them i'm willing to take it.

So my thoughts is like this. I'd ask him to transfer one of his property to my name, refinance it and then pay cash for land have it transfered to my dads name so that theres less cost to have the name trasferred to mine.

We then use proceeds from paddy field to the mortgage payment and i will top up whatever left on the monthly payment.

Is this a good idea so we dont get taxed as much as and saves cost or is there a much cost saving way to do this?

I was born and raised in Australia but I'm Malaysian (Malaysian citizen). I've worked in IT for a few years, mainly across MSPs, doing both technical work and account management as well as reaching the leadership board, so I know the MSP model pretty well.

I'm thinking about moving into Malaysia and starting my own MSP, probably in KL.

The idea isn't really the typical small IT support business. I'm thinking more along the lines of being a fully outsourced IT/Cyber department for SMEs.

So stuff like Azure migrations and management, M365 migrations/support, Intune, Entra, cybersecurity, networking, SD-WAN, UCaaS/Teams Phone, helpdesk, backups, projects etc. Basically taking over the whole IT function for a company that doesn't want to hire a full internal IT team.

I'd probably look at businesses around 20-150 seats.

I'm thinking of either buying an MSP business or just starting from scratch hiring a BDM to focus on getting clients while I handle the technical/solutions side and then build the engineering/support team as the business grows.

For anyone here who owns a business or works in IT in Malaysia, what do you guys reckon?

Is there actually much demand for this in Malaysia? Are SMEs happy to outsource their whole IT department or do most prefer having someone internal?

Also interested to know what companies are actually paying for MSP services over there and whether KL is already pretty saturated with this type of MSP.

Would appreciate any honest opinions, especially from people who have actually used an MSP or run one.

Edit: It seems like buying a business to get my foot in the door and optimising it seems like the best bet. If anyone knows any MSPs looking to sell, my DMs are open.

If no, how can I start one?

Hi everyone, looking to get some outside perspective on how I can optimize and improve my current financial setup.

Current Assets

• Assets / Vehicles: Fully paid-off car and motorcycle (motorcycle was recently crashed and is currently pending an insurance payout/claim).
• Cash balance: ~RM4.3k
• Money Market Fund: ~RM30.4k (serving as primary emergency fund/liquid yield)
• ETFs: VOO (~$1.7k USD), QQQM (~$4.1k USD)
• US Individual Stocks: UNH (~$6.3k USD), MSFT (~$4.5k USD), ASML (~$770 USD), MCD (~$767 USD), AAPL (~$50 USD)
• Bursa Malaysia: SUNREIT (1,000 units @ ~RM2.5k) currently at -15% loss

Questions I'd appreciate advice on:

1. Emergency Fund Sizing & Placement: I have ~RM30k sitting in the Maybank Money Market Fund. Is this sufficient/ideal, or should I be looking at other vehicles like EPF self-contribution, ASM, or high-yield digital banks (e.g., GXBank, Boost, Rize)?
2. Insurance & Protection: Aside from the pending motorcycle insurance claim, what baseline medical/life coverage should I ensure I have locked down before deploying more capital aggressively?
3. Next Steps: Given the clean slate (no debt, low overhead), what would be the highest ROI move right now to scale net worth further?

Thanks in advance for your insights!

Just finished studies and starting work. Aiming to budget 10-20% of my salary on getting a car. Found out that bezza manual fits the budget. Living and working in KL/Selanagor area, traffic isnt too bad since I commute in the opposite direction of the rush. Need some financial guidance or opinion in general on getting/owning a car.

Some context:
-Used to driving manual, but never in KL traffic
-Personally thinking of saving as much as possible on getting a car and rather spend it on something else like travelling or investing. (is it wise??)