sure la need garang only they scare you.

banker are like that.

you garang with fact = they takut.

if you garang buta buta like some ah pek = they hate you.

now that you ad got the account, you have won the argument and they aren't as useful as before to you. no harm you garang them.

lol I sound so bad.

but IRL I really did that lol hahaha.

once they even call back to apologize.

wait. the orange form is the opening acc?

the blue is for top up? is the blue same as previously? I tot paperless transection now?

Dude, SAY IS EASY.

To do is hard.

My brother in law work there for almost 18 years only can get PR. That also 2nd time application.

Nowadays AU also keep rejecting already because overflux if MY HK and CN people going there in the past 10 years. Props have been bought by PR and local is eating dust. The rule now is so so strict compared to previous year.

Unless your job is really top priority in AU, they may consider. Or else just forget it.

Migrating is an option but not a necessity YET. What we have to do now is grab the last hope to improve our nation and at the same time building strong financial foundation on your own.

Grass is always greener on the other side.

All my relative that get PR no matter which country, racial discrimination toward Asian IS ALWAYS THERE. You will get bully, looked at one kind, you name it they have it. But ofc, its just minority, still, as the time going, life isn't as good as in MY. Provided in MY you got yourself a decent job, then youre good to go.

No one deny the cost of living is high. Depend on how you handle.

Decent job... 10k per month not decent? Not enough? Then you got problem. Not the money. Not the currency. You have that amount, but you cant make it grow...


If not decent job, around 5 or 4 k per month. Can eat dust. No comment.

If 10k still cant save, better ask for KPDNKK to teach you how to spend.


If got decent job only can proceed with your migrating dream...

You tell those fella 5k per month prepare migrate LOL

GLHF then.

Don't get me wrong.
I also want to earn strong currency and spend like nobody in MY like my brother in law.
But what can I do to AU? The MY degree is just another piece of useless paper. A lot of local uni be it private or public is never recog in foreign country.
My friends one with UK engineer master but in AU can't even get a related job. Because they prefer local. Job less for 13 months now doing coal mining. High pay bit no day and night. Previously in O and G earn 18k pee months. Take all saving to AU, bought a car and almost used up during finding job. Now no u turn for him. And he's still applying for interview some job. He's lucky because his father in MY is rich fella. Keep pump money and have an apartment there. So accommodation solved....

Another clever fella go pick apple. 3 months come back earn nothing because cheated.

Maybe what I say so isolated cases. Who knows.

Your concept can't apply on a salary man 6k with kids. Monthly expenses gulp down lot and their saving just left few hundred. U think they can change to SGD or usd?

Your concept can apply on young blood no doubt.

And dude. No one will say money is enough.

No one will reject earning in strong currency.

I want to. I also have my investment in foreign exposure.

But I need to eat also.

Its almost pointless for this discussion.

What you say is great. You got a good jump start. That's you have to thank whoever give you this exposure.

When you have your job, your family, your kids, and eventually your parents that need your care. That's the time you realize. What your concept telling only applicable to those who are young, and do not have any high commitment yet.

Everyone have their own portfolio in saving or even go to investment. You cant say those who not agree to you is entirely wrong. Or those who agree with you are your allies.

Every family have different condition.

As long a we have our own portfolio that can give us a good future. That's it. Y'all cant force people going to this and that. Y'all cant change people is doing the correct thing. Yes, one may save less than you, less wealth than you, as long as they happy, and doing thing all right. What's the problem?

Not everyone want to become the slave of the money.

I rather the money work for me according to my wish.

I have that amount, I save that, from small perhaps in 10 years only able to buy some good stocks. Buying stock now is impossible for me.

I have my work, my study, my ptptn to pay off, my parents etc etc. Thus, I save bit by bit using my own instrument.

Sometimes I need vacation, I go, I need some good food for my parents I buy, I need to have my favourite gadget, I buy once in a blue moon, my car serve me well, that also I service accordingly. Why the hell I need to be the slave of money?

ASx and FSM is now my favourite. Why because this is the only I can save bit by bit. And at the same time open up radar on prop.

When come to investment, no one is wrong and no one is entirely correct.

Those in which initially rich and have a decent jobs for years, yes you can but this and that.

Why not you turn your perception on a middle income family, that have people to feed?

Hell no way you ask that person to quit his job and become plumber or barber in AU. That's a very high risk gambling. For me if that person have their own prop, car, FD. For me its good. And let their kid to have good edu in overseas, that's good.

And come to comparing, eliminate the jumpstart heaven package, people living in urban and living in outskirt have hell lot of different.

A friend of mine, a gov school teacher, she herself is a good saver and previously working in small district in Pahang, for 6 years. Save like mad, but having small vacation in MY thrice a year. Eat well, all well. Transfer to big city in KV can buy a 2 storey house and a myvi. So that's a bad saving huh? If she go stock market sure become Jack Ma? No, because she has no knowledge and people to teach her. Ands even yes, she may can go wrong, all saving become what? Dust? You can say she isn't good enough why no do homework etcetc. Now you have to know diff job have diff work load.
Teacher nowadays not easy also. 6 am to 4 pm. Go back home need do paperwork. Hold a few position in school. Then weekend need go school tuition. Prepare paper work. If I am she, I rather have my free time to relax. Hell no read index and news.

But those big bosses earn big money without doing anything, they deserve a slap then.

Its all down to your perception. You rich you lucky. If no rich, start from bottom slow and steady. From local derivative to foreign exposure. That's it. why so hurry and becoming slave to currency?

For me ASx is doing the right job. They provide something better than FD at least. Cant beat inflation rate is beyond my advise.

Want quit, its ok. Don't say this is bad and what not.

Don't want quit, just continue. And combine with other investment instrument.

This post has been edited by [Ancient]-XinG-: Jul 13 2017, 06:20 PM

huh>??

where? I dint notice also

Thread will overhaul in few weeks times.

remove the old info + in new infos with portal thing.

Or else those newbie keep asking stupid question.

will do.

Because lately also very busy with my study and revamp port for my FSM

No need. Just cont to top up your own acc.

If want help out parents, give them cash.

They won't thank you for your kindness on opening up an acc for them.

Give them cash.

If got sibling, give cash to sibling, they more like it.

where you got this info.
how you confirm
how you know
if you don't confirm or what.
don't spread the false infos.


this stupid statement have go over and over again from 3 years back, still not enough?


Just for those newbies, if you guys feeling like dangerous, stay away. this thread is for those so called naïve peoples, not financial savvy people, and those "help gov".

You guys go play toto, magnum, forex or whatever la.

if you guys have faith with this ill instrument, join the club to become one of the joker.

some people just don't understand - DIVERSIFY -

too dependent on bursa.

SC charges only on variable priced fund.

no extra charges on fixed priced fund.

SC charges only on variable priced fund.

no extra charges on fixed priced fund.
SC charges only on variable priced fund.

no extra charges on fixed priced fund.
SC charges only on variable priced fund.

no extra charges on fixed priced fund.
SC charges only on variable priced fund.

no extra charges on fixed priced fund.
SC charges only on variable priced fund.

no extra charges on fixed priced fund.
SC charges only on variable priced fund.

no extra charges on fixed priced fund.
SC charges only on variable priced fund.

no extra charges on fixed priced fund.
SC charges only on variable priced fund.

no extra charges on fixed priced fund.
SC charges only on variable priced fund.

no extra charges on fixed priced fund.
SC charges only on variable priced fund.

no extra charges on fixed priced fund.
SC charges only on variable priced fund.

no extra charges on fixed priced fund.
SC charges only on variable priced fund.

no extra charges on fixed priced fund.

now do it on line for the rest of your life.
cannot. important thing must repeat many many times.
they keep asking same old shit.

New agent noob ma. If not they will chase you off lol.


New agents must sincere abit ahahah

For VP yes.

Nope.

Don't forget evergreen risk is way higher if compared to FP.

At least our FP have years and years of track record that is really really stable. They gone thru crisis without changing the NAV and maintain 6%.
I think by far this is the safest FP in MY.
This is one of the reason why FP still selling so hot. It's a little bit low. But no need keep monitoring market and worry all the speculation.

But for sure it's recommended not only rely on this. This can act as safety net. A really good net.