3 years+ ago, luno has that deposit x amount to get free btc. i love free stuff, did that, and never looked back. not here to promote anything but you do you. you need to find comfort in what you do.
thanks brother 

Free btc. Nice. Hodl!

So nice to be U both eh.
I lost money during BTC crash on 2021. Then I lost again this year when BTC crash from 70k to 50k.

I shouldn't trust my friends too much keep brainwashing saying BTC will exceed 74k.

BTW, I lost due to liquidation mostly

.
Ram trading still doing ok?

Got tips how to find money? Or any job?

agree, first 100k is important to do any significant investment. bu our first 100k is mostly use to pay for mistakes in life, especially those who don't have parents or seniors to give us good financial knowledge.

after paid years and some tuition fee, only then can slowly climb.

early years pot of money, best to keep and educate yourself what to do first, put in epf or fd also ok (than losing it), don't listen to property sifu, forex sifu, mlm sifu, insurance sifu on what to do with your money.

I'm even worst. I'm jobless right now

continue our discussion, i received an email this morning, titled - i am going to die soon.

a guy, who has been very active in our community, developed prostate cancer in 2022, and been very aggressive and spread to other parts of his body. doctor has given him weeks, or max 2 mths to be alive.

life is short, apart from financial health, we have other health to focus on - physical health, relationship health, work health, and spiritual health. we need to focus on them too.

i went to bed feeling down last night. im thinking a lot this week - one death is pending, one person gets bullied (and think deserved it), and one gets promoted. how much we are taking in superficial credits in this life, feeling proud about it, then die.

sorry for my rant.

are you trying to say that poor people cannot live healthily?  since you associate healthy aging with a lot of money spending. 

or is just you trying to comfort yourself?
just do what we can control - which is eat moderately, drink plain water, sleep enough, exercise body and brain, stay away from high risk danger zone/thing.

the rest - leave it to god.

glad you realize that.... not like some ktards who think they are very special and will definitely and surely live way past 80.

i just took the picture verbatim from some website and it was written there to be 90.

i personally always set my expected lifespan at 80, ever since i went to uni. 80 is a good number and easy to divide and calculate a lot of stuff.
also, one need to realize that the last 10 diamonds are worser quality than the middle 10 diamonds. Plus I have used up the most valuable diamonds already, which is the 3rd and 4th row's. sad... 

If you don't mind.. what the breakdown of your rm1.2k monthly expenses are?

Meal - RM620 (RM6 + RM7 +RM7) but in fact I only eat 2 meals and yes I am outside KV so Chicken Rice RM5 Mixed Rice RM6 still available

TNB - RM40 (2 person, no aircon but big fridge & occasional water heater)

Water - RM10 (Rounded up, 2 person minimum charges for usage up to 10 cubic metre)

Unifi Home - RM75 (500 Mbps, rounded up incl SST)

Unifi Mobile - RM0 (Only reloaded once RM10 since MNPed)

IWK - RM12

Cooking Gas - RM5 (Drinking water and occasional cooking)

Assessment & Quit Rent - RM39 after divide total by 12

Petrol - RM60 (Usually RM40 but put up buffer since sometimes will travel for leisure)

Car Insurance, Road Tax, Driving License - RM25 after divide total by 12, car value less than RM10k

Insurance - RM202 (Life & Medical. I stopped pumping in but recent bull run gave me a surprise that the cash value stays the same after 2 years not paying)

Haircut RM0 as I bought the clipper and DIY

Shampoo, toothpaste etc. RM10 but hardly as one 1L bottle can last 2 of us 4 months

No rental as house is own and paid

The balance of about RM100 can consider provision for house or car maintenance (touch wood)

Read again

Not RM50, RM75

Anyway I am not alone

Last time some forummer raynmann kan day day flex his bill RM49 for 500Mbps

Similar case

Has anyone went into UOB KayHian? Approached recently by my RM from OCBC who is jumping to this company.

Second Q: Pls recommend avenue to get info to purchase bonds. AUD is low now , tempted to purchase.

Appreciate any feedback.

Any idea if IBRK allows fractional bond purchase and how the buy back works ?

Wondering if anyone has had experience working in Australia private healthcare system? Is it worthwhile to leave permanent jobs in the UK to pursue opportunities there?

Wife and I are medical consultants in the UK. There are opportunities in Australia (area of need) - about 2.5 hours driving from Perth. Expected monthly is said to be 4 times UK's net of taxes (full-time consultant pay in the UK is about £5k / RM 25k per person; Mortgage/council tax/utility bills £3k, excluding foods, travel, petrol/diesel). However, income in Australia is based on volumes of work done (contracts) and can be less secure than public-funded jobs (permanent jobs like in Malaysia) in the UK. Yet, UK has extremely heavy tax burden since recent years. After working for more than 10 years in the UK, our assets are about £80k in house equity, 2 fully paid cars (used), £20k savings, £5k investments, after paying for holidays/frequent flights to Malaysia to visit family members

Thank you!!

Just curious, what kind of hedge funds do you buy and how do u access these investments ?

Blackrock, Fidelity, Amundi etc through UOB Singapore, accredited investor status is required for some instruments

Can share for learnings like which Blackrock or Amundi hedge funds?

Really curious as how these funds works differently then the usual trust funds. The performance and requirements to purchase etc

Tq

Like which ones are the hedge funds?

=================

It's a signifigant month for me.

I buffed up my coffer, and i cut down my weight.
I am now no longer a phat ass. Weight reduced from 90kg to 75kg with *ahem* medicine and controlled diet.
Hopefully i can maintain a good BMI and achieve more muscular weight and a healthy body to enjoy my future fruits of labor of investing.
Everyday i eat wheat bread and it taste like cardboard, lamo but i can feel +1 day of hp with every bite.
Career : Progressing.

Age : 31 , Single

Assets :
ASM FP : 333k FP
Stocks : 24.6k --- profit taken on good big cap, shit still happen in small cap
KWSP : 133k
SGD securities : SGD 25k translate into approximate 75k
High liquidity MMF : approximate 42k
PRS : 9k

Target 1 (ASM) -- despite i always say done and dusted, i still put my money inside it.
What is my obsession with ASM .... haizz..

Target 2 : 53.8k contributed, loan started, completion time 2028 , Current Market rate 550k

Target 3 SGX explored, money in DBS as direct holding. Apparently good yield, Majulah Singapura.

=======
Derivatives :
Gross Investment% base on total salary : 89% , (means every RM 100 i earn, i save RM 89)
Estimated passive income (exclude KWSP/PRS) : MYR 19k per annum
Tax bracket : screwed up, The money i paid to government as income tax is higher than my personal expenses...
Man, i hate income tax.

======
Doodad's
Same old car, new phone due to limitation of hardware, same old laptop.

=====
This year target :
Spent more time and money for my loved ones (parents).
PRS contribution, KWSP contribution to reduce tax rate.
Continue progressing in career.
Aim to have 36k MYR per annum as passive income by next 2-3 years time.
To achieve 0 cashflow deficit (aka rent generated = repayment ) on property after CCC.