after a while, no more meaning.
in the ideal world yes, but many other external factors that contribute to that. u r lucky cus u have the will power, the money to take bus, find a good job, and able to study at the same time. many dun have such luxury. which is why so many poor ppl all over the world, not just malaysia.

Yeah.  The poorer will have to eat more carbs since it's cheaper to fill their bellies.

i agree, i rarely eat rice too. so the solution of eat less rice works for me. but might not work for everyone, especially the lower b40s, who also happened to have many spawn.

This is true, sometimes you can put in all the effort but life is never straightforward and you never know what curveball it's going to throw at you. I always say there is an element of luck.

Anyway, love your signature - "Self face slapping SOB". Haha! I really don't know why the guy likes to slap himself in the face

I offer my input in this situation. I've counseled a female student post spm. Get scholarship for her. After talking for so long, she didn't study. She went to work to help fam.

Valid point..

But Chinese has a saying. Can poor anything but not education.

Parents who guilt trip their kids sacrifice their future just to help out with short term expenses are selfish. Dead selfish.

Rather hang on suffer a bit let your kids study then can help later. Than forever work as factory worker.

Selfish parents in this case.

I get this really. I'm in similar case but I'm glad my parents were gomen servant so my burden ain't that much. But I was really lacking. No money for breakfast, always worried for next semester money etc. And they're irresponsible.

Life is good now.

Many people talk shit about education and university. Don't join these people. It's always safe to have a paper with you, that's the least you should have in today's time.

my kids friend ... malay girl... her parents from young told her its her duty to take care of her special needs elder brother... wtf

my kids share her stories... make my blood boil man... not just selfish but down right cruel... m40 family some more... cb

Very selfish. Her future is finished, mostly. 20 30 years down the road, ask uncle kentang for help. Her parents literally destroyed her future.

That's why when I look at uncle kentang stories, i feel very sorry for the kids, I don't feel sad for the adults. There are exceptional cases as well of course. People who somehow got into deep shit and couldn't recover financially..but most I dunno what to say or what to feel. Even been through those period.
Don't poor education. Do whatever you need to get some education, be it paper, knowledge, or a set of skills.

ppl in this forum only think of how to make sure dont forget to move money from account 3 to account 1 so they dont loose the interest
ppl in this forum will ask question like:
1. since on the 10th Jan 2024, EPF move some of my money to account 3, so will i get the standard interest from 1st till 9th of Jan and from 10th onwards i get the lower interest?
2. if i immediately move all my money from Account 3 to Account 1, will i still get the standard interest?
3. can i fill up some forms online to ask EPF not to move my money from Account 1 and Account 2 to account 3?

hax3

This Acct 3 thingy would be on application only. If you dont apply, status quo it is and remains Acct 1 and 2.

Its in that link from mid-year I shared in earlier posts, admittedly rather old, however I feel this is the way they would go.
This could change though, and they might just find it easier to roll it out across the board. Lets see how it goes.

That's our bottom line

Anyway, later still will have people start melalak even flexi a/c not enuff want RM10k one off

This is what happen when once a can of worm is opened

these people also not very smart... they should now know the power of their voices and instead focus on demanding the gov to give them UBI instead of withdraw own money from EPF.

Would not getting like 1Krm per month per person be a better deal than 10K from own EPF account? 

i thought flexi account is for us to treat as savings account instead of hunting ASN and FD. Anytime can deposit and withdraw.

i meant the EPF flexi account woh. If below usual EPF rate, people wont be bothered

Then the dumb economists will recycle their adage "90% of EPF holders do not have the minimum 240k for retirement"

Rinse and recycle.

haha... didn't think of that...

can issue Platinum and Diamond Credit Card too... credit limit is based on Account 1.
Charge 12 to 18% credit card interest, and the income can help those in flexible account to boost their div rate...

nice... 

solves the cannot take money out part, at least somewhat... can take out for a month before must settle the spending.

edit:
I just realized. Maybe KWSP should create a new "class" of credit card called Plutonium Card... only those with AUM above 500K rm can quality to get.
and Uranium Card, for those with more than 1 million in EPF.

Status man... can flash for people to see who is a EPF millionaire or near millionaire... 

Its for closet EPF millionaire to use... so EPF better be smart and make the color really inconspicuous like fully black with a slight radioactive shine... 

Joke aside, that's one of the reason why I always tell that I am a BR1M or STR recipient. Those "friends" who always ask for "discussion"/yam cha will stop asking after a while... 

get a bit back is just to satisfy one's feeling (don't know the english phrase, but in cantonese is "hei")... also no need to waste effort to optimize in getting STR/BR1M. Like you said, the amount is really not much, especially vs all the tax contributions one has made in one's working life. unless one has been a real B40 since day 1.

btw, still no i-saraan 300rm yet. looks like Nov, if any.

Today I give 10k withdrawal ppl will want to keep asking for more and more 10k withdrawal like what is happening now
30M ++ Rakyat in Malaysia everyone has their own agenda and situation and no 1 policy can satisfied all except give free money to all

To encourage saving in epf maybe gov implement no withdrawal bonus of rm500 that would somehow stop some group of withdrawing from account 3 and this no withdrawal bonus only applicable to those B40

iOS KWSP iAkaun cannot seem to broken... anyone has issue..keeps loop to ask me update at App Store

wanna ask a noob question. dont shoot me ya
I was told by a friend yesterday, our EPF if more than 1mil, interest will only be paid on max 1 mil, extra no interest. is this true?

many this kind of false information....

my relative asked me few days ago that his friend told him the money inside EPF is figure only, cannot take out 1, and discourage my relative to do more self contribution into it. Its true that it cannot take out now but his friend seems telling him in future also cannot take out....dunno whats in their mind....

I have to agree with you on this.

When I was beginning in my career, I listened to so many sales persons from an investment bank to withdraw EPF to invest into their funds. Reasoned due to EPF going collapse, year dividend is lower than their funds return. This instilled some fear in me about EPF. Due to inexperienced, I was dumb enough to reinvest after reinvest and did that for 15 years until I realized how poorly their funds return is on average!

I'd say stick to EPF regardless how much you have in EPF. - DO NOT touch it Anything extra out of pocket, invest in whatever instruments you're comfortable with.

Hehehe around 80yo can start to enjoy to the fullest 😁

Safer is very subjective... No right or wrong...

Invest foreign asset okay... But make sure u can have easy access to it.... When u need the money....