hi all...for those who work far away from parent..how many time do guys 'balik kampung'?...i'm working in KL and travel back to Penang every month...so i have to spend at least RM200 for toll and fuel..

hi, i am staying near jurong east mrt station.
i just started 3 months. working in a shipyard as safety engineer.
nice meeting u too... wat bout u?

Hi guys...
I worked for one and half year, but until now I don't have any saving.
All my income go for car loan, house rent, credit car(petrol, phone),facilities.
I wish to invest such as UT... But first to first, do not have any saving, how to invest on these all?
Do you guys have any recommendation on earning some side income?

Hi, just now the guy asking,

viva 1.0 auto, but i think only 3 years warranty, that's why i hesitate. 5 years warranty can ma? And choice between EZ and Elite?

Back to topic.

For EPF, can I do something like this?

1) withdraw money from Account 2, invest in UT.
2) few months later, withdraw that portion from UT for cash use =D

thank you. btw EWP=?

Yea, stamp duty and legal fees some more

FYI, my company reimburses our auditors for their meals if they work OT at our place

RM3 roti canai + teh tarik
RM6 nasi campur + cina teh ais
RM8 nasi campur + teh/kopi ais (ok la, dinner drink better a bit after a hard day at work)
Total: RM17

RM17 x 30 days = RM510 ONLY

But 99% of auditors I know do not eat nasi campur...they always take the excuse of "hard work, must reward ourselves..." to splash out $$$ on meals

Sometimes McD, sometimes mamak, sometimes even japanese food

Thanks for replying.

1. Although my average income I get from my partnership is average 4k, but I would like to prepare for the worst. Maybe I'm having a mid life crisis (getting old too) and everything paranoids me.

2. My minimum spending is 5.5K without any "disaster" hitting my family. Although all my family members are insured, but I personally see how medical bill can bite a chuck of your finance. Hence, I wish to increase or at least maintain my income to prepare for the worst. I know I set my expectation too high but I can't help to think of it. I also plan to have another child, but me losing my job is going to put this on hold.

3. Although my assets portfolio looks good, but I don't think its enough for me to grow with. I wish to grow this money so I can have enough for my retirement.

4. 90% cash on FD is just my current status as I sell a sizeable amount of shares before election. Still thinking carefully  where to invest it in so I just put it in FD temporary.  Thanks for the tip, I will have a look in it.

5. Does anyone tried any financial product in Hong Kong? I heard the returned is very good and consistent.

Thanks for the advice.