Why is that so? Care to share?

The year is still young. Just hold. It will go back to 4.3 A matter of time.

Guys any idea about cimb travel currency? I see that their spread is not there? Eg USD/MYR buy and sell at 4.02.

So you don't pay tuition fees like captain with cc? i

I am also happy 3.15!!! Stuff priced in USD have become very cheap if like that. Stuff like oats and things will be cheaper than malaysia price. Combine that with nearly free shipping. Can buy in bulk. Save so much by buying stuff like oats from US if really USD drop to 3.15. Parents supplements become whole lot cheaper.

This post has been edited by Ramjade: Mar 31 2016, 12:53 PM

Nope. That's why I give eg of buying oats from US. Cheaper than market price, no GST. Close to free shipping. Apa lagi lu mahu? Oats is just one eg. There are lots of other examples. Jam, peanut butter, spaghetti, (All GST free)

If you have access to online shopping with free or close to free shipping, use it to buy those imported stuff. Question is will phone price drop? I am looking for a phone in the near future. Apple and xiaomi increase their price cause MYR was dropping. Will they drop it? (I will never buy an iPhone). If they will/will not other phone companies might follow.

This post has been edited by Ramjade: Mar 31 2016, 01:27 PM

Bought oats, white tea bags (bai mu dan), raw honey 1.3kg, 1lbs of bags of different herbs and spices (to make tea, to cook), 1.5kg of Virgin coconut oil, body soap. All this still cheaper than buying from hypermarket in malaysia even after factoring in shipping charges plus it's GST free. Why do you think I want the USD to drop further?

All this was during 4.x. Image if it is 3.15. The amount I will saved further.

4-4.3.

This post has been edited by Ramjade: Mar 31 2016, 02:17 PM

For me cheaper shopping stuff from the US (things are cheaper over there even after shipping) = more RM in hand = can dump more money into ASX FP = faster reach my target.
That's what we are all waiting for. Price of phone, car.

If you look at it, Bank Negara governor talk also no effect. Australian bank head talk langsung ada effect. Ini temporary. MYR no strength to hold (look at history). Beaten by Thailand and Indonesia. Mana ada strength? I want USD to drop but I am being realistic here.

This post has been edited by Ramjade: Mar 31 2016, 06:29 PM

You can do like my friend's father if your kid just starting out. He bought AUD at super low price before it was going up. He paid the entire 4 years course and keep the money in a foreign currency account as AUD. So upon needing to pay, just TT without converting anymore.

However if left like 1 year like that, then no need to convert. Just pay whatever the exchange rate later on.

Big front page news if it reached 3.8%?

MYR no strength. Told you guys.

Nope. I don't have my extra RM10k to set aside for this kind thing yet. All money is lock up. In the future perhaps. But if I did it virtually (without any money involved), make quite a sum already since last 6 months

This post has been edited by Ramjade: Apr 5 2016, 09:33 AM

For shiok sendiri and test theory. Virtually didn't make a single lost if buy and sell based on gut feeling.

Hold first If you bought at 3.9xx, USD will go back to 4.1

Smart move. Cause RM no strength. Those who change, when it goes to 4.1-4.2, profit already.

If I have rm10k, I will be of them.

Like I said, buy USD now. Sell in June upon increase in USD interest, and cut in Malaysia's OPR. Sure profit.

RM losing strength,

4.1 again is very possible. RM going up all papers Wonder what are the papers going to say or

This post has been edited by Ramjade: Apr 15 2016, 11:48 PM

Planning only for those who pay yearly. But who those who change one shot in bulk (for the entire duration of education - like my friend's father for his son australian education), never need to be worried as the money already in that country currency. However the only thing they will ever face is heartsick if the currency drops against their original conversion. Each way with it's pros and cons.