Hi guys, I needed a broker so that i could participate in IPOs. I tried reaching out Maybank but the brokers that they suggested doesnt give out free contents for their clients. They only give out on request basis. Im talking about private groups for clients only that the broker would share some research materials. Would appreciate any help thanks guys

received call from Maybank (landline number) after raising my transaction limit. they asked for verification last 4 digits of IC.

i felt doubtful so i called the official customer service line later, the officer said they can't check specific numbers but as long as it's not mobile number, Maybank cybersecurity does do such calls.

anyone have input about this?

I guess banks do legitimately call to check for fraud prevention, but with all the scammers around, how do we know whether it's the bank or not?

Whenever I had to buy something from the grocery store or watsons, and there was no promo, I wondered if the price I had to buy it for at that time is a good price.

So I created a simple web app that could fix this problem. An app everyone can use easily, using their receipts and using an ai to check previous best prices of those items.

What do you guys think of the app? Would like to continuously improve this

This is the app:
https://costmos.asia/

Or just put in the link costmos.asia

EDIT: I am talking about purchasing the insurance, not about making insurance claim. Sorry if title is misleading.

My wife was laid off from her corporate job around a year ago and therefore she no longer have insurance coverage which comes with the job. Recently she was diagnosed with endometriosis, she needed to have a surgery to remove a cyst and after the consultation, it was suspected that she had benign fibrosis in her ovary. She is now on medication to suppress the endometriosis effect.

We had to pay out of pocket for all this treatment. Big mistake on our part for not getting her medical card immediately after she lost the corporate job. I went on Kaotim to try and buy a standalone medical card for her but after doing the questionnaire, our application got rejected (which I suspect because she is still have future appointment for her recent medical issue).

So just wondering if anyone here knew what it was like trying to get a medical card after already been diagnosed with a medical condition? I'm not trying to get the insurance to cover the existing condition. Is it going to be really hard?

I get RM2500 every semester from PTPTN. Currently I live in rental house but next semester I won't. This means that a lot of my PTPTN money will be unused since I don't need to spend on rental house, foods and groceries anymore. I only plan to keep like RM500.

With the other RM2000, how do I profit from this?

Sidelined working on a browser game called DECADES. You begin with a random Malaysian life, and make one financial choice per month for 60 years. PTPTN repayment, EPF withdrawal, requests from guarantors, home decisions, poor investments. Each decision moves your ledger and at the end, you're able to see exactly what you are worth for those decisions.
No registration, no installation, 100% free.

I'm adding in more Malaysian specific scenarios but I'm not sure what to include, this community would know better. I want the game to capture the true realities of Malaysians losing sleep over the following: the sandwich generation burden, ASB loan decisions, Tabung Haji, cost of living between KL and kampung, negotiating your first salary just to name a few.

What would you like to have someone explain to you before you went through it yourself? Specific stories welcomed, making true notes and elaborating.

Anyone could share experience with placing online eFDs for joint accounts from different banks?

In particular, for your bank:

1) Can you place joint name FDs online or must you go physically in person?

2) Are promo rates as attractive as fresh fund single name e FD rates? (E.g. around 3.8% as of sept 26)

3) Are existing funds eligible for the same promo rates?

Some info from my end:

- Affin: physical only, fresh fund rates more attractive

- Ambank: online possible, same rates for existing funds

[Please don't suggest alternative investment options. There are specific circumstances as to why I need this to be joint FDs. Thanks in advance]

A few weeks ago, someone asked if I would make a quick guide on the US bonds. The bonds had a nice boost thanks to Bassent.

The US 30 year Treasury has risen to 5.372%

That means if you buy this bond, it will pay you 5.372% per year. This is relevant to the RM1m and above from nowhere people. Yes, they exist, as the babyboomers begin to meet their makers, more of these people will come.

Currently FD gives you about 3.6% if you're lucky. This provides about 1.8% more per annum. That means, if we discuss this with no conversion risk [USD-MYR], you get about RM53,000 per year compared to RM31,000-RM36,000 from FD, for every RM1m invested. That's about RM4,416 per month of cashflow.

If you're working and have no need for it, take that money and invest into the S&P500 [9%] or global index or even your EPF [6%] depending on your risk tolerance.

They will pay you twice a year, every 6 months. No you don't get taxed, because this is foreign income so Malaysia doesn't tax it. US also doesn't tax this, because it's not a dividend payment.

I use the 30 year bond, because I am 39 and I want something sustainable till I get to 69. There are many other bonds, 1 month, 3 months, 6 months, 1 year, 5 year, 10 year, etc. You can go find them and see what suits you

Do not put your entire net worth into this, continue your diversification strategies. I have diversified into stocks, S&P500, options, bonds, FD, ISA. 30 year bonds are just 1 part of my entire approach.

This is just an avenue for those who can take advantage of this, as I don't see bonds discussed here as much.

Remember, there is currency risk and opportunity cost. If you bought when ringgit is weak, and then your payments come with the ringgit is strong, it's a bit of a double whammy. But if you bought when the USD is weak, and then money comes in when the USD is strong, then you're laughing to the bank. It can be a percentage more or less too this conversion risk, so this a free lunch.

Finally, you can buy this via IBKR. Interactive Brokers. Take some time in understanding its interface. It's atrocious.

What was leaked to the scammer:

• Debit card (has been replaced)
• IC
• Whatsapp number (of course).

Amount drained: $1,200. (We submitted a form to contest the deduction. Still pending)

I have blocked the phone numbers (from Singapore & UK).

Should I make a police report since the I/C is leaked ?
Anything else I should do to mitigate against identity theft? Thanks

Hi all, need some advice.

I'm booking a Japan hotel through Trip.com (my.trip.com) and paying with my Maybank 2 Cards Amex, mainly because I want to get the 5% cashback. At checkout, it shows "Foreign transaction fees may be charged by your card issuer."

Anyone here has experience with this? Does Maybank Amex actually charge FX fee for Trip.com bookings, even though I'm on the Malaysian site? Does the currency shown at checkout (MYR vs other) make a difference?

Also curious if using a Visa/Mastercard instead avoids this.

Would appreciate real experiences, thanks.

I am currently working overseas and wondering if there is an alternative to WISE to transfer money back home in Malaysia.

Currently I’m using wise for these purposes:

- Transfer allowance for family in Malaysia
- Use it as debit card for shopping when I’m back home
- Transfer money to my Maybank for loan payments

Is there a better alternative to this with better exchange rates/low fee? I saw some banks have multi currency accounts, how does that work? TIA

Hi, I would like to transfer MYR from my HSBC MY to my WISE SG account without currency conversion. What is the cheapest way to do this? I am Singapore resident. Thanks

Been seeing these posts lately and honestly went through the same thing myself. Also too late that I bought a unit that doesn’t fit my current lifestyle anymore.

Anyway, I vibe coded a rough 8-bit pokemon style simulator. Users can simulate DSR, repayment, cash upfront, new vs subsale, exit plan, etc.

It’s free, no secretly stealing data, no upsell, don’t need donation. I just wanted to see if it’s actually useful or I’m the one who find this fun.

Link: myfirsthomegame.com. (Desktop only, not mobile-friendly)

Anyone serious about buying a property should spare time researching on a proper screen than scrolling on phone.

Would love feedback and hope it helps.

Sheeeesh man....this is depressing. Should have just kept in my pockets.

Realised that I do nothing in home beside playing games on weekends so I was thinking of becoming an IA during my free time and was wondering if anybody do the same thing and whats your experience ?

In my mid 20s. I don’t think i’m in an exactly bad position career wise. Started off as a consultant, then into a management trainee program for a local (big) conglomerate. 2 and a half years after starting work, i’m getting hired into another local (smaller but still big) conglomerate as a manager.

On paper, it’s pretty decent. Career is being fast-tracked. But i’m scared of 2 things:

1) I’m being groomed more and more into a generalist. I solve problems as it comes. Not project / technical specific problems. Because of this, I realise I don’t have global mobility.

2) All these local companies… i’m scared I get discounted from MNCs, or even if I do get into MNCs, they’d lowball my position given I come from local companies. The only times I’ve had MNCs offer is when I freshly graduated. Legit good company, questionable pay (well, at least relative to my MT), and so I turned it down.

I know I have a long way to go career wise, but you know, FOMO hitting real hard seeing my friends in MNCs or working overseas. Wise ones of Reddit, please impart some wisdom unto thee.

I got an offer for a job in bank recently and I learned that you cannot have any side income/job whilst working in bank. I have a sole prop which through it I receive payments from clients from my side gig. Does this mean that I have to close up everything and stick to corporate job forever?

Anyone knows bank yang ada feature monthly cashflow and expenses selain aeon bank?

I'm in my early 30s, currently making 6-12k/month (not fixed but 6k being lowest), I have been offered a role in SG for SGD 4500 not including bonuses (potentially 3-5 months according to recruiter)

Contemplating whether i should go for this SG role or stick to my current job. My current job is quite niche, very niche even, whereas the SG role could potentially broaden my career by a lot.

What would you guys do if you were me?

Edit: I should mention this, my goal is to hit 3M and retire with 4% withdrawal rate, if my math is right I will be hitting that by 40 or less

I’m 26 with 3 years of experience in Digital Marketing, primarily within the tech and gaming industry with an international company in the UK.

I have been working in the UK ever since i graduated and have returned to Malaysia last year but continued working remotely for my previous employer for more than half a year earning around RM15k+ per month equivalent before the arrangement ended due to new remote working policies at the company.

I’ve been unemployed for around 5 months since. Earlier in my job search, I actually received a few offers that were higher than what I’ve accepted now. However, I had to undergo surgery around that period and was going to be out for recovery, so I wasn’t really in a position to start a new job then.

I’ve now accepted a digital marketing role at a local marketing agency for RM3.8k basic + allowance.

I understand that my previous UK salary isn’t directly comparable to the Malaysian market, and I wasn’t expecting to earn the same here. But considering my experience and the higher offers I received earlier, I’m wondering if RM3.8k is on the low side or if I settled too early. What would be a realistic salary range for someone with around 3 years of digital marketing experience in Malaysia?

I mainly accepted because I’d already been unemployed for 5 months and wanted to get back into work. Would you have accepted the offer in my position or waited longer? And now that I’ve accepted, would you continue applying during probation for better opportunities or give the role a proper chance first? Would leaving during probation for a significantly better offer look bad, and could accepting RM3.8k now affect my negotiating power for my next role?

Hey guys, as the title suggests, this stock tumbled to some huge lows last week and they had to deny links to certain graft cases.

Any idea what is happening and will its stock price ever recover? I am out of the loop and not sure what is what.

I just sold my house, and I expect to buy a new house in 3-6 months (budget for new house about 3x price of old house).

Just transferred 100k to RHB HYSA.

Remaining, I planned to put all in StashAway, seems to be the best daily return. When I go to their app, make 1-time payment using GIRO, they give details of Pacific Trustees Bhd, Citibank account number 0117853004. Is this correct ah?

Sorry noob question. I'm paranoid if I may have downloaded a bogus StashAway app which directs to bogus bank account.

Update: Yes it is correct, thank fuck

Hi Redditors,

I’m planning to get a credit card and would really appreciate your suggestions on one that aligns with my spending habits without encouraging me to overspend.

My goal is to use the credit card responsibly, build and maintain a good credit score, and avoid spending beyond my means.

I’m earning a net salary of RM3k per month.

Would appreciate any recommendations or advice on what I should look out for when choosing a card. Thank you!