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  1. Replies
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    175,484

    I concur... my example of RM 300K pa is a bit of...

    I concur... my example of RM 300K pa is a bit of oxymoronic on my part as it is way above average income in KL, although quite a few people do earn such easy. The key point correctly pointed out is...
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    175,484

    Concur. Once a person earns above a certain...

    Concur. Once a person earns above a certain amount, standard of living in Malaysia becomes quite decent and on par with developed countries. I like the example of Japan for comparison. Once the...
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    Thanks opulant for the explanation. Yeah, google...

    Thanks opulant for the explanation. Yeah, google returned results from the states side, which I think is a good benchmark given US is still a dominant economy, hence my curiosity.

    I think the...
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    175,484

    Pardon my ignorance as I am not from the oil and...

    Pardon my ignorance as I am not from the oil and gas field. I did a google search on field engineer remuneration and the number that came back is around 70K usd per annum. While this pay number is...
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    Cool... thanks opulant. I was just curious....

    Cool... thanks opulant. I was just curious. thanks.
  6. Replies
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    hi opulant, would you know if the insurance firm...

    hi opulant, would you know if the insurance firm is willing to provide this coverage if one has HBP and/or diabetes?
    right now covered by company insurance and a relatively ok personal medical...
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    An outlet to vent? or communicate to someone? ...

    An outlet to vent? or communicate to someone?
    sometimes it is easier to communicate to people whom one doesn't know well?
  8. Thread: EPF 2016 dividend

    by IanQ
    Replies
    117
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    45,422

    The key is not to treat any of them as...

    The key is not to treat any of them as specialists or advisers. They are just tellers at their current experience. Donít blame them, blame the management of the firms/banks. Hold the management...
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    I find this music video of his to be a bit...

    I find this music video of his to be a bit annoying, but certainly doesn't deserve any jail time in a police station. Too heavy handed.

    What to do: rule of law is not always perfect.
  10. Thread: EPF withdrawal

    by IanQ
    Replies
    5
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    2,823

    Not at the age yet, but I have been thinking this...

    Not at the age yet, but I have been thinking this for a while.
    On average I think it is fair to say that most of us don't quite truly trust EPF and this includes me.

    based on this reason, I...
  11. Thread: EPF 2016 dividend

    by IanQ
    Replies
    117
    Views
    45,422

    Now that the return has sunk in and the rumor or...

    Now that the return has sunk in and the rumor or conjecture about the fire at EPF building at PJ has subsided, I would like to ask a question.

    For those who can withdraw some or partial of your...
  12. Thread: EPF 2016 dividend

    by IanQ
    Replies
    117
    Views
    45,422

    Ai yoh... please. We must have some faith in the...

    Ai yoh... please. We must have some faith in the populations. 6.9% alone (or 6.4% for shariah EPF) is enough to convince a person sitting on the fence to vote for current government? If it was 8.8%...
  13. Thread: EPF 2016 dividend

    by IanQ
    Replies
    117
    Views
    45,422

    EPF dividend for 2017 is 6.9%. Just came out.

    EPF dividend for 2017 is 6.9%. Just came out.
  14. Thread: EPF 2016 dividend

    by IanQ
    Replies
    117
    Views
    45,422

    Well… these are some “fun” speculations based on...

    Well… these are some “fun” speculations based on perceived logical steps. For fun, as I said.

    The EPF dividend rate will be high because of the following reasons:

    a) Election is coming, hence...
  15. Thread: EPF 2016 dividend

    by IanQ
    Replies
    117
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    45,422

    [QUOTE=tupai;611583] haha. I always say that...

    haha. I always say that to my colleagues as well... very hard to go against the tide, but if one knows how the tides move, that knowledge and skill will open up many opportunities.
  16. Thread: EPF 2016 dividend

    by IanQ
    Replies
    117
    Views
    45,422

    Haha... to survive in Malaysia, one needs to be...

    Haha... to survive in Malaysia, one needs to be aware of how others in Malaysia think... survival skills...

    But the below news should already indicate something... ...
  17. Thread: EPF 2016 dividend

    by IanQ
    Replies
    117
    Views
    45,422

    Actually the majority are not able to withdraw...

    Actually the majority are not able to withdraw anything regardless of what dividend rate is declared, hence the primary reason people call EPF a ponzi scheme (which I strongly disagree, but that is a...
  18. Thread: EPF 2016 dividend

    by IanQ
    Replies
    117
    Views
    45,422

    No no no... high value of myr is bad for EPF...

    No no no... high value of myr is bad for EPF dividend... EPF pays out in myr and EPF's 30% off aum is overseas. You want weak ringgit for translation gains!

    pls pls pls give 8%.... haha
  19. Thread: EPF 2016 dividend

    by IanQ
    Replies
    117
    Views
    45,422

    yeah... rental is a function of affordability vs...

    yeah... rental is a function of affordability vs wage and in some sense would be influenced by minimum wage in some sense.

    used to live overseas in high cost cities and i think it is still...
  20. Thread: EPF 2016 dividend

    by IanQ
    Replies
    117
    Views
    45,422

    I was in reality being a realist. We tend to...

    I was in reality being a realist. We tend to forget that money in EPF is very sticky. it is just a number in a EPF statement until you finally withdraw all out. So what if the statement says you have...
  21. Thread: EPF 2016 dividend

    by IanQ
    Replies
    117
    Views
    45,422

    Hear! Hear! Joke aside, the better the equity...

    Hear! Hear!

    Joke aside, the better the equity performance (in general as EPF did not fully disclose their positions) is, the higher the chances are for better dividend. Even though EPF should have...
  22. Thread: EPF 2016 dividend

    by IanQ
    Replies
    117
    Views
    45,422

    with these few days of euphoric globally and...

    with these few days of euphoric globally and election expectations, i would think EPF dividend can only be better. if I run the government now, why would I bother to take any chance. Everything is...
  23. Thread: EPF 2016 dividend

    by IanQ
    Replies
    117
    Views
    45,422

    Based on the announcements by EPF, the numbers so...

    Based on the announcements by EPF, the numbers so far points to be a very rosy payout. First 3 quarters cumulative return is RM 36 bio. I am guessing EPF AUM allocated to contributors is around RM...
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    i disagree with the ranking of NUS above Duke......

    i disagree with the ranking of NUS above Duke... haha.
    Berkeley below Oxford? hmmmm... come on... :)

    if one doesn't pick on actual ranking nor cherry pick on individual uni but look at the...
  25. Thread: EPF 2016 dividend

    by IanQ
    Replies
    117
    Views
    45,422

    Hi tupai… very curious on which employer...

    Hi tupai… very curious on which employer contribute 19% for EPF… mind sharing?

    I always thought (and again I am too biased and maybe narrow knowledged) that banks are some of the more generous...
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