Sorry, daughter's premium $200/month.

So, side track.... No#3, Unker monthly chipped in nursing care for like 5 years. The old lady passed away, one Sat dreamt of her. Bought the burial plot 4D - no luck.

On Sunday, late evening Auntie heard me shouted from downstairs, to buy same 4D. It came up 1st prize that night. Auntie says wah I so cool, ah? I said what cool? We both then realized, I already out from home since afternoon. So, who shouted out the 4D? This is every word true!

ASM2 is the Wawasan yea?
And ASM 1 is...the main one, yes?

If I only have ASM2 and not ASM1, how do I start buying ASM1 since I can't top up something I don't have previously?

I don't know how some of you all can be so diligent in trying and captcha-ing nonstop...my brain got dizzy after 15 mins or less...haha, weak.

Epf cannot touch the money for very long time wor

1 to 3% should be okay
Reason? No need to spend whole day pressing captcha and pray to get lucky to get 1k or 2k.
The time spend on captcha can use to do other stuff that might generate income or up our work performance or maybe watch drama Idk.

Edit: I'm not buying any cause just started work. Poorfag still. Every month captcha for 1 day can already reach my target lol.

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u mean, instead of 11% +12% EPF,
u opt for 50% ?
What;s the benefit of this ?  (forced saving ? )

since EPF can only withdraw after 55 ......

and if i remmebered correctly, EPF limit RM60K deposit per year too .

no la unker.
I got friend who can spend RM200k (but he's Singaporean and earn $ in SG) in 45 days just buying "gift" for those online streaming girl anchor in some mobile apps.
he is just 27 years old and driving mercedes already in SG. 

I am so far behind. Earning salary cannot reach that level one. That's why I am now actively looking for own business. They say by 35 years old still don't do business then forever will take salary only. I don't wanna be like that. 

Hello morning all, Unker newbie here.
Why Sunday, try 1.5 hours liao, but cannot buy?
Sifu-sifu, pls help. Thank you.

Even my department Director  + Senior managers,
all their children , NONE OF THEM joined engineering. 
See what our boss do , dun follow what they say.
*when i asked them , why they dun encouraged their children to go engineering. Guess what ? they practised democracy , let their children decide their own. What they practised at home and in office are 2 different  things ! In office every decision are micro-managed , talking about democracy ...

**engineering is GOOD PROFESSIONAL in other country, NOT in Malaysia.
***I';m from US MNC,  US have this culture of VSS ppl any time they like. It's like TIME BOMB going to explore anytime. In my engineering career of 13years, i  have  survived 4 rounds of "massacre " .  That;s why most pg anjineer have to cari kangtao . Tmr might out of job.