[X] My Assistant

drowsiness

So, when I started receiving my first steady paycheck, my parents said it was time to buy property. They had their eyes set on a RM120,000 condo project. They will help me with the deposit, but we have to move fast. (If your eyes are going OMG at the price, note that it’s the early 2000s, and apartments were pretty affordable then! The price was considered mid-range.)

Back then, I had my eyes set on a simple walk-up apartment that was going for RM50,000. I knew I could afford it on my meagre RM2000 (before tax) salary. But a RM120,000 one?

Even this person had doubts owning a RM100k property at that salary level. My sister make the same amount of money monthly and yet proceeded anyway to get the loan for a RM400,000 house. Should have listened to my concern about the loan's staggering total amount of RM800,000. A low-level government servant and a jobless housewife somehow thought nothing can wrong with a debt that can only be afforded by a wealthy businessman.

"My sinuses are getting flooded. Hopefully it's an allergy and not an infection."

an algorithm problem (IMG:[invalid] style_emoticons/default/sad.gif)

Being early and crowded makes you uncomfortable

Back in 2019, I resisted Timothy Huang's persuasion to register for a QuinPay account using his referral code. Because QuinPay turns out to be a scam, a Ponzi scheme under the guise of an e-wallet app. At the time, the e-wallet app seemed to gain traction among users and business merchants, most likely due to interests or dividends credited daily into the users' accounts. Not only the company's name is unknown to me, the daily return amount was unusually high (10-50 cents for an account topped-up with RM1000+). In contrast, a legit e-wallet app with integrated money market fund investment functionality only yielded 1-5 cents daily for the same amount of money (projected rate 2-2.5% p.a.). It's finally revealed the company behind QuinPay was unlicensed but by then it was already too late. Withdrawals were blocked, accounts locked, customer support went silent.

Glad I listened to my gut. If only my family did the same regarding the house loan.

you never have friends, just asshole asking you for something when they need, and then.... dissapear

meh, for that i don't have any "friends"

sunday allready ...

"My sinuses are getting flooded. Hopefully it's an allergy and not an infection."

"It was in fact an allergy. Either that or I caught an extremely short and mild cold. Either way it has passed now. I've slept very well tonight because I was exhausted from yesterday."

Then, my sister somehow thought signing up to pay a RM800,000 house loan is a good idea, much to my mother's delight who always wanted to move to Kuching. That's so fucked up. Because that means the RM30,000 spent on upgrading the old house's fencing is wasted. Plus, the new house in Kuching is priced at only RM400,000 by the house developer. I was the only one back then who questioned this poor management whereas my siblings are way too blinded by their "unconditional love" to my mother.

Renovations on houses can be worth it but depends if it will increase the value of the property when sold.


Calculating how many RM I paid for my apartment



Property values have also dropped a lot here.

This post has been edited by EsotericSatire: Feb 5 2023, 14:46

you never have friends, just asshole asking you for something when they need, and then.... dissapear

He is the same guy who secretly siphoned fuel from the company car every time I lend it to him. Not trustworthy at all.

Legitimately spamming something.

Hannah Verona Jolis is a monster.

I see ideals and reality as two separate things

It's good that Nottingham Forest is currently mid-table in the English Premier League. But they are also only half way through the season. So relegation could still be possible. The Reds must stop losing games and win more to prove them trolls and haters wrong.

This post has been edited by elda88: Feb 6 2023, 03:22

"She's dumb as a brick, I'm numb and a prick. We'd make a good couple. Only in terms of how it sounds phonetically though."

Faizal Bujang is a weasel.

Damn, my newly bought IPO stock crashed 😅📉💸

I wanna eat a Buddha Jumps Over the Wall 🤤🍲

I'm inefficient and waste a lot of time...