Yea the reason I mentioned Versa is because I already treat their Save as a savings/emergency fund so may as well get the bonus plus tax relief there instead of making a new account for whatever other providers.

I did think about the chance that Versa does not survive but my understanding is AHAM seems to be well established might not be as big a deal.

Anyways, I'm glad to know that we also arrived at the same conclusion; I planned to just use PRS for tax relief and when that is done it'll be ASB/US Index funds all the way.

But I'll have a look at FSM again. I just found an article of theirs talking about a 7% return on their growth fund (I understand that these funds are usually riskier but I'm also very young so I should be able to just weather the storm when the economy is bearish).

Admittedly my finance knowledge is not the best. But on your last paragraph, it seems you're implying that PRS is not really all that great and it almost does not matter what I pick? I'm interested to know if you've thrown any funds in one now. But thanks to your comment, maybe I'd just go with the Versa stuff due to convenience.

Which PRS has the lowest management fee? I see that Versa has 1.8%. Tried looking into Kenanga and its not clear. Found a table online of other funds and they're lower but comes with other fees. Wondering what's the best now or just put everything into Versa

Who gives a shit how their family got their privilege? What matters is in the present that their children is taking that opportunity from someone else that could've used it. If their family's past was a struggle but they've made it now, they can afford to go elsewhere and leave that opportunity to someone in need.

Cope argument. Bumi myself, I know plenty of other Bumis from privileged backgrounds getting opportunities despite having lesser credentials.

Sadly controller support on windows is finnicky, can't get it to work. Maybe I'll look at third party sites instead. Even after the Microsoft acquisition they're still slimy as hell

Wanted to buy Sekiro on Steam but found out the price went up by RM40 even after the sale. Guess I'm sailing the seas

just get his course for like rm1 at shopee kekw

i find there's a bug when going from local to all -> click on a thread -> going back to previous page and it returns to the local instead of all. seems like using an app is the best way to use lemmy instances for now.

the most annoying part of using lemmy instances is having login reset and all the blocked communities - usually shitty memes communities - appear back on my feed

Hopefully it's a well thought out police. Hard agree on cutting sugar subsidies. Why are taxpayers' money being used to fund the proliferation of a disease lol

truly the worst ewallet

anyone know where to check your Grabpay daily limit? I know its like 1500 if you're a premium user but I want to know how much I've utilized at the moment

Why is it so hard to find a PC case for making your own NAS? As in a case where you can slot in a lot of hdd easily.

Before Ultraboost, I get frequent arch foot pain. After getting my first pair, I can walk way longer distances without getting the pain now. Although, may consider New Balance as my next pair because I have no brand loyalty and willing to try new things.

interesting, my friends that didn't vote during last GE are now voting for state elections

i see. well i'm waiting on the wf1000xm5 anyways. will look around more once its officially released i guess

yea understand that part. been making alts on other instances and finding this out makes things easier

damn a rm1000 price. how's the quality compared to the sony wf1000xm4? assuming you have these.

only have just figured out the "All" tab brings posts from other instances into this one