life has been too dull!!! can't wait when it touches that level. 18yrs after sounds great

rm drop lagi!!!! ho-seh la

i am just a 'runcit' mentality!!! change to usd now, hug them in my bolster while i pen down my asia travel plans over the next 5-7yrs. spike my travelling budget & spending power ie usd vs rupiah/bath/dong/yen .

yes, agreed but this 4% is actually a gain in rm-numeric only but depreciates in spending power. unless yearly you downgraded from local holiday in langkawi(2016), melaka (2017), taiping (2018), batu pahat (2019) then kampung melati (2020)...so on. with a start which can afford 4-star hotel, two years later, can only afford hostel.

with usd vs rm/rupiah/dong/yen etc moving in opposite directions, i opt to stuff my bolster with usd and spend it yearly across asia

yes, i totally agree with you. i understand. its just that i opt to do both. just a portion (to me, just a sum of my 7yrs travel budget fr rm into usd into my pillow now and surely portions for the 'blue' and others generating mode.

p/s when aud 2.6++ in-sight, i am sure to stuff some under my pillow too..hahaaa

BTW, BNM X usd notes direct deposits, need to convert. but in sin, you can bring your pillow stuffed in usd notes to bank & deposit them, small interest tho!! if big amt, why not!!

This post has been edited by vincentwmh: Jun 18 2015, 05:24 PM

yup

what makes u think i only keep all. likewise, if u only invest all & don't keep any, that isn't a wise move too

to me>> u earn, keep (bank & of cos 'into pillow'), invest, spend & give back (charity)

This post has been edited by vincentwmh: Jun 19 2015, 10:19 AM