I can live without aircond, been doing this for a decade without any problem. Just need to have a good blackout curtain and a reliable stand fan as back up in the afternoon. Night time very good breeze so no need for aircond.
I agree that we need to have a balanced life, but on many occasions when I am interacting with people on this matter, most of them tend to take the context of balanced life a little too far. It should be to have a balanced life within our means and budget. No point to have a YOLO life and then work until old age. I believe that when it is time to stop working, then stop working and enjoy the fruits of our labour.

I grow up without air con. Survive without air con all these while. Not many people know air con is a want not a need.
Another thing many people don't know, aircon is the biggest vampire in your electricity bill. Easily min RM100-200/ month if use aircon. Why do you think my electricity bill is low? :devill:

All work stress. Off day go to taichi/gym look at scenery/ gardening. Once I complete my internship, I will do taichi every off day.

Stay healthy. Medical card will not let you enjoy your wealth when you are old. Health will. Like those with stroke, heart attack where's the quality of life??

Imagine having restriction of fluid 500c-1l per day. That's the max amount of water/soup/ fruits you can take. Life is miserable with such restrictions. How to survive?? No medical card can reverse that restriction.

This post has been edited by Ramjade: Nov 12 2019, 04:51 PM

You guys think too much. If you keep fretting and pondering all these matters day and night,... you WILL attain high-risk factors for the illnesses you mentioned.

I noticed many in the world today want to invest - this is a short cut to a happier life. No quota to achieve, no bosses to fear in case your appraisal is not good, and no strict time-schedules.

Actually there is a boss. Yourself. You need to be responsible to yourself to not lose money.

This is a synonym. Well, that's fine too,... everybody wants to be his own boss too, right ? Must be something good in this.

During young times, we go under employment. Needed to report to bosses.

Then age catches-up, we develop mentally and emotionally, start having a conscience, etc,... then we feel we want to be our own bosses and start a successful business. Some 'overdid it and listed a company'. When this happens, they have to report to shareholders and to the board of directors. Initially, with the fame and reputation, they enjoyed it. Then when reporting season comes, they start to hate meeting shareholders.

One director of a developer company had to sneak out and escape from the back door when questioned by the shareholders and purchasers.

When age catches-up further,... we preferred to invest. Let the companies do the work and we put money into the companies. However, this is easier said than done. If one has not learnt the ropes from young, chances for losing money will be very high.

do note some things are not covered in gov hospital. u still have to come out money from ur own pocket for example certain implants, certain drugs etc

btw, is there a limit how much money can send to the sg account?

Not sure. I send bit by bit using Instarem. worried got line problem etc.

Yes.
https://www.instarem.com/info/international...transfer-limits

i see, what about the total in sg account? will it raise suspicion if keep 'too much' money over?

This post has been edited by alexanderclz: Nov 14 2019, 10:10 PM

SG banks already reported to LHDN. They know. If if your amount don't tally then

if Malaysian citizen can open Maybank Isavvy account?

why not

i call Maybank they said need employment pass.

why maybank did you call?

i just call their customer services line

Many of our fellow forumers have managed to open isavvy account despite not residing in sg. I did mine in Maybank main branch.

singapore or malaysia? must be given wrong info. this thread itself has wealth of information on how to do so.

the CS must be new and lack of information or didnt study

so in Maybank main branch can open right, what document do i need to prepare? Thanks