I applied for Admin Assistant and was offered RM1500 per month with 6 months probation period and no offer letter was given to me. I accepted as I have been searching for a new job for months. I even move out and rent a room. Then fast forward, it's been 2 months of me working here. They compliment me and very satisfied with my work but I have been constantly doing job that wasn't in my job scope. For example on my first day I have been asked to be a cashier for the company other outlet. Then it become so frequent that I don't even have much time for my own job which is Admin Assistant.

I been doing three jobs which is cashier, HR and admin. I even help cleaning out the outlet and office at the same time such as mopping, vacuum, throw rubbish and clean the toilet.

I got my first payslip recently. I was wondering why is there no OT payment. Turns out company don't give OT and said I could come late the next day if I OT. They should have stated during interview. Also boss wanted me to be cashier instead of admin. I was shocked as I interviewed and accepted Admin Assistant and not cashier. If I wanted to be cashier I would have stay at my hometown and not move out to the big city.

Now after almost 2 months they finally gave me an offer letter which stated that they have the right to transfer me to any department and I need to answer work call/ chat even if it is outside of work premises. There also time I attend meeting during Public Holiday. They offered me as Admin & Account Executive but my salary stayed as RM1500.

At this point I honestly felt so burnout as a lot of staff resign because of stress and I need to cover their work. I felt so stressed but my old friend/ family told me it is normal and I should just suck it up. I have not sign the offer letter yet because I am still thinking. I felt so stuck.

What should I do? Any advices?

M 21, Was eyeing on getting a bike for daily ride to work (KL) and was wondering if i should pay by cash or take a loan if its worth the interest to build my credit score for future loans (car/house).

I have 6-12 months of savings for emergency funds not including for the payment for the bike.

How to use credit card to pay less and gain more?

I heard that you can use credit card to buy Aeon voucher, then you get more Cashback, eg purchase rm1k voucher and you will gain extra rm20 voucher?, And also you will get benefit for credit card like point or Cashback? but I am not quite clear for this.

This is one of a technique I heard, but I haven't try it out.

Hi All, just wanna ask your opinions on my situation, preferably someone who has experience on career change especially from the Architecture background.

Background: 30(M), Degree in Architecture.

Performance as student: Secondary school - was quite a decent achiever during SPM at SBP school but doing so-so only during Degree years at local uni.

Work experience: 1 year as Assistant Architect - RM1500 (learned nothing much other than doing KIVed proposals).

- 2 years under Maincon - RM3000 (practically it's only 1 year since 1 year affected by MCO).

- 2 years as PMC - RM3800 (high learning curve but job recently under scrutiny due to work overload and lots of mistakes due to the very first time encountering scopes which I'm not familiar).

Career take: I've been experiencing a very uninspiring career so far (I'd say a steady score of 1/5 for every company) and facing things like uncertainty in my career path and goal. This is due to the lack of passion and desire for me to improve myself as sometimes I feel like isolated, unmotivated and lacking the technical skills. It's quite worrying for me cause I'm approaching the crucial part of my career where I need to be stable and firm in term of knowing what I'm going to do to achieve my goal. Sometimes, I think the low paycheck that I receive (which is well known in architecture/construction industry) makes me feel unmotivated.

So, fellows out there, if you are free, please advise me on things that I should try, be it in term of taking courses to add new skills, exploring different career or looking for another job within the same line but with better salary. I do appreciate if you can help me.

​

I recently got 2 job offers but I’m not sure which one is better.

My background: 24(M), 1.5 years experience in the banking industry.

Offer 1: KYC analyst (crypto industry) - RM4800 basic + RM1200 fixed allowance (transport and shift allowance), 1-2 months bonus, working hours 11pm - 7am. Company just started operations in Malaysia, HQ is in Hong Kong.

Offer 2: Retail store management trainee (clothing industry) - RM 4300 basic, transport and accommodation claims, 2 bonuses a year, guaranteed promotion after probation and high increment every year (RM500-RM800). Company may send me to different states every 6 months for cultural exposure.

I’m in a dilemma because I think I’ll perform well in both industries but I don’t really feel like working midnight shifts. However, the RM1.2k difference may be too good to pass up.

PS: Thanks for reading my post, I appreciate all of your opinions and feedbacks.

These days people around me was telling me the gold price is getting higher and higher so we should invest on it.

I found a few ways to invest but not sure which one is nice.

• Maybank Islamic Gold Account (MIGA-i)
• Gold investment on Stashaway
• Versa Gold

I can only allocate rm20 for this every month so I'm not sure which one is suitable for me. I know about mostly have fee also.

Any advice for me, please?

Please don't downvote. Made me depress.

Advice*

Hey all, this sub reddit has provided me with a lot of value and insights, I am once again back for further enlightenment from everyone here.

Currently my investment/saving portfolio is distributed as follows:

1. HSBC - Structured Investment + FD

I prefer to keep my relationship balance as I get some perks here and there from it, however my FD is pretty much rotting at a 2.8% rate.

The bank has not been very clear on all the wealth and investment plans they have showed me as I wanted to reallocate my FD amount in something els. Unit trusts not that attractive for me, life insurance linked investment confusing as there were a good amount of bad reviews about it on SG PF. Really unsure on how to better utilize this FD amount whilst keeping it in the bank.

2. IBKR - Been slowly increasing my DCA since last year from a 1-2k MYR to 4k MYR every month between VTI, VGT and SCHD.

So far the returns have been pretty great and I wish to put more money over the next year or two into these ETFs.

3. Stashaway - 1 conservative portfolio and 1 big amount in now available US Treasury Bills giving 5.3% (currently)

4. Don’t ask me about EPF, I have some amount in there but I am not a Malaysian citizen, a resident of more than a decade only.

5. Very lil crypto and some PMO unit trust that has not been performing too well.

Last time I put up clear cut figures in my post, some people thought I was flexing which was not the intent. So I will just say the big picture. This is a total portfolio of around 600k myr currently, with 60% in cash including liquid investments like SA , FD and 40% invested in like ETFs, Structured Investment.

I believe I need to reduce cash and increase my growth assets, this is the 1st time I am having this much excess cash, would like to utilize this better.

Would really appreciate other perspectives.

My dad has retired but he still keep his credit cards. He has gambling habit and has empty all his EPF and savings. My mom has paid off his credit cards debts before but recently he has get back to the habits of over spending (using his credit cards) and started taking money from my mom again (he wont talk about his problem with me). We have tried to talk to him about this problem and has suggested to cancel his credit card. However, he will get very defensive and will shut down any communication about his debt.

I am just worried that the credit card debt will eventually spiral out of control to the extent that my mom has to liquidate the share house they have to repay the debt. Does anyone have similar experience and how you go about this? My dad will not share any details about his debt (how much debt is remaining or any plan he has). Speaking to bank to cancel the card is also out of the question as bank will likely not entertain my request. Any advice is much appreciated. Thanks.

I created a clone of Splitwise in Google Sheets.I created this because I got annoyed with Splitwise for limiting the number of transactions forcing you to pay. Thought I might as well share it so others can benefit.
Features of this Google Sheet:

1. Allows tracking of up to 10 individuals
2. Allows the tracking of expenses where an individual has paid on behalf of select people in the group and cost is split equally
3. Allows the tracking of settlement (i.e. money transferred between the people within the group)
4. Auto calculation of the amount outstanding by each individual

You can use this for travel, events, house bills, etc.

To use it, just create a copy in your own Google Drive. Then fill up the yellow cells. Do not touch any cell not highlighted in yellow unless you know how to adjust the formulas.
Screenshots below:

​

Instead of speaking to multiple agents from each company separately, is it possible to find an agency that sells insurance plans from multiple agencies? I have no contacts, so it is difficult to find a trustworthy party

Let's talk finance. Ask questions, give advice, share tips and tricks!

Hey everyone,

I need some advice on a job offer I received recently. I'm 27M and currently working as a project supervisor at a lift company on a contract basis for the past 2 years. I live in Melaka with my parents and the only debt I have is for my Myvi car. Right now, I'm saving up for my marriage.

My boss offered me a permanent position as a project supervisor, but I would need to relocate to Johor Bahru and live in the city. Considering the increased living expenses, I'm looking for suggestions on how much of a salary increase I should negotiate for. Currently, I feel my salary is quite low, though it's enough to cover my expenses in Melaka. My educational background is a diploma in engineering.

Here are some details about my current salary: it's RM 2,700 per month with a RM 200 bike allowance and RM 100 handphone subsidy.

I'd appreciate any insights or advice on how to approach this situation and negotiate a fair salary increase.

Thanks in advance for your help!

I just started using GXbank, received the physical debit card and activated it

I used it for toll, and a couple rm200+ restaurant bills yesterday

I haven’t gotten any cash back, and the toll + restaurant transactions still say “processing”

I was expecting the cash back to be instant, now I’m thinking it’ll be given maybe as a lump sum at the end of the month?

Apparently , i invested in crypto and realized that the price action in Luno App Chart vs the ones that on the Tradingview is different. I mean , the movement of the price action on Luno is slow than on other platforms.

Not to mentioned that the Crypto on Luno also much more expensive than other platforms.

Can someone explain this ? TQVM .

Curious to know what experiences Malaysians have surrounding this as it’s quite uncommon.

I feel like I’ve hit a rough patch mentally and would like to recalibrate for 2-3 months.

are there any trustable ones?

EDIT: bit of context - i’ve been trying to find jobs after resigning from my toxic job. yesterday got a text from bank that they referred my unpaid loans about rm1.5k to the court and proceed to file for my bankruptcy.

i’m struggling to make ends meet. been applying for corporate and part time jobs but don’t hear from them yet. AKPK also can’t help since i don’t have any jobs yet.

i’m at dead end to think about borrowing from the licensed money lenders now

Anything. House, stocks, cars, watches, etc

Imagine if you want to ignore the volatility of market for la ong period of time for your peace of mind, and just want something simple and historically proven like S&P500 (usually it’s via VOO but in Stashaway it’s under a “Flexible Portfolio), which investment platform will you go to and why?

Taking safety, convenience and costs into consideration.

Hi everyone. I am interested in working as a lecturer at a private uni.. however, I am clueless about how much should i put as an expected salary.. little bit bout myself, I have 4 years of experience as a postdoc, with a good publications record and teaching experience. Please help me, thanks!

I (31 M) was hired as a Developer at a Singapore MNC (Malaysian Office) a few years back and had a starting salary of RM2500 (I was not from a Computer Science Background, with no professional experience as a developer, was semi-desperate and didn't know much about the market rate back then)

Then after probation, my supervisor offered me an increase of my salary to RM2900. and have been getting a yearly increase of RM100 per year.

But after a few more developers join the team, I've realised that my salary is well below market rate especially considering that I have gained more responsibilities as the DevOps and Database Administrator for the company(after some seniors left) and more, on top of my existing duties.

Even the other joinees are starting with RM4000-5000 (not complaining, good for them.)

I'm not really in any financial difficulties since I have basically 0 commitments and can save at least RM1200~1800 depending on the monthly situation. (no rents, no loans(yet), nothing, a tiny bit on life insurance and my bike maintenances, the rest are just foods)

However, while I like to say I'm financially comfortable, I would still like to be fairly compensated for my work. Not hoping much, but around RM5000 is my minimum goal at least for now.

So then, how and who do one approach for negotiating a salary increase? Like how to start? Basic googling say just to ask my direct supervisor (side note: my previous supervisor, who offered the raise post probation, have already retired). But I'm a ball of anxiety and can't even try doing that.

Maybe if people can share some tips or framework how to start so I can at least be more confident and have a base on how to begin the process.

Extra: I'm also currently trying to find some new jobs in hopes to at least trying to get countered offered, but no luck still.

I run a small registered IT business from my home. My employees occasionally come over to work/have meetings. Maybe twice a month? Someone suggested offsetting my rent as a business expense the other day. Anyone know if it is legit?

I have a housing loan for rm900k. The developer has gone into liquidation some time ago. All the normal judicial management orders, rescue plans etc, have failed.

I took this housing loan out around 10 years ago. Condo unit. Standard Maybank Islamic housing loan.

The property progress stalled, but the bank have already released 90% of the funds. So I am paying interest on the 90%. Have been paying this for years. No hope of ever receiving the OC. The property is basically now ruined/vandalised and nobody thinks it will ever be finished. No prospect of a White Knight developer I think.

My question is, has anybody got any advice on what the likely endgame is with this loan. My reading of the loan agreement is that if I don't receive the OC, then I never have to repay the loan capital, but at the same time, I would have to pay the monthly interest payment forever. Surely this can't be right?

Recently KKTP have stated that they are going to make a letter available to purchasers to state that the project is formally "Abandoned". Does this mean anything? What can I do with this letter? Is there any way, that I can get away from these loan payments. Or am I really stuck with it forever?

I've tried contacting Maybank, but they won't return my calls. I'm not in the right location to go to the bank in person yet. Anybody been through similar abandoned project process with the bank? What was the outcome?

Hi all, recently I have been put under a PIP. However, before the PIP ends, they have offered me the VSS. This is my first time of getting a PIP and a VSS in my 8 years' career (with various companies). I have no attitude issues while serving for my current or my previous companies. Least to say, I'm very disappointed and sad with myself and my confidence just hit rock-bottom.

The VSS comes too suddenly. I would thought that they will wait for my PIP result without doing so. As such, I haven't find a job yet. The VSS agreement would require me to officially terminate my position at end of this month.

The VSS will cover my 3 months salary. So far I have monthly commitment of health insurance, internet subscription, rent, house progressive interest. I think I'm able to survive with the VSS amount. Just that I may not able to find a job so fast in this 3 months.

I would like to know from any of you if you have faced this previously. What are the repercussions if I don't accept the VSS?

Edit: During the meeting with my manager we have also discussed about my PIP progress and he mentioned that I have improved greatly and most probably be able to get out of this round (my PIP first round is passed. Left the second round). I want to stay of course but now I'm unsure. I have told my manager that I want to stay.

Hi guys! I wanted to ask this in a crypto subreddit but they all seem to be speaking in USD and US banks so I decided to ask here instead 😅

I currently have some USDT TRC20 in my Trust Wallet and I want to cash it out. Could y'all share how y'all would go about doing this (for the crypto homies out there)? Would generally like any routes with lesser fees or more convenience with higher fees.

Thank you so much y'all!

Edit: Some extra information... I currently have a Metamask wallet, Trust wallet, Luno account, and Kraken account.

Hello, M26 here, I would love for you guys to review my saving strategy that I have been doing. Currently saving around rm1600 a month (80% i put in ASB and 20% in Wahed).

I have been reading multiple threads on the importance of having some portion in a liquid account i.e. normal bank account. But I’m reluctant to do so due to the money will just be sitting there and not working for me hence, some opportunity costs.

So should I change this strategy due to the risk and put some portion into a liquid account? Or can I just keep doing what I am doing? Appreciate for some inputs from the experienced community here :)

Currently I have a healthy cashflow, with enough amount in FD as emergency fund. I force saying RM3.6K into ASNB monthly, and have around 5KUSD worth of VUAA in IBKR, also holding some bank stock in Moomoo.

I want to continue invest in S&P 500, dca RM1000 montly into VUAA in IBKR, is it wise to do so in long term? (>10 years) or what are the more efficient ways to do it? I read that the fees is eating up a lot for such monthly low investments.

Only considering s&p 500 and budget around 1K monthly, appreciating you guys help.

I have a maybank cc balance about 3800 and I have already about 2 balance transfer, so I'm not keen on signing on another credit card and doing balance transfer. Should I pay off like normal, or should I take out a credit card loan.

Housing loan specifically.

How much do the following things affect your rates?

• one missed payment in CTOS (credit card, one time ever, 10months ago)

• promotion or change of jobs (does it matter how recent it is since the change?)

Hi I’m M27 and I’ve been working as a digital marketer for 3.5 years. Recently I’ve received a job offer giving a salary of 6KMYR basic, for the role - Assistant Digital Marketing Manager. Job scope is pretty clear and working hours is standard 9-6 but with flexibility :)

Company is a digital marketing company that has a footprint in SEA.

Wondering if this pay scale fits the role and my experience?