Lowyat.NET: Latest topics by jlkh760830

Humble Tycoon

jlkh760830 — Sun, 28 Jun 2026 12:43:40 +0800

Today many young entrepreneur definitely will spend on luxury goods
Only the older generation will keep low profile

[YOUTUBE]qowp_jHeQPg?si=Ah4qNLMnkPiPl0ei[/YOUTUBE]

Millennium Village (Seremban)

jlkh760830 — Fri, 24 Apr 2026 16:58:32 +0800

[YOUTUBE]Apqojd-hLjU?si=jGMohB520sai6Zeq[/YOUTUBE]

Harga Minyak

jlkh760830 — Sun, 12 Apr 2026 20:17:42 +0800

Rakyat sekalian, rindu Zaman COVID 🤣

Guess what car model ❓

jlkh760830 — Fri, 13 Mar 2026 16:56:16 +0800

Guess what car model?

Emas -7 PHEV

jlkh760830 — Sun, 22 Feb 2026 10:09:36 +0800

[YOUTUBE]IJ6jBViuN0I[/YOUTUBE]

Bobby is right 👆🏻👍🏻

We’re already in 2026. If we’re spending RM100k and above on a new car, people naturally expect updated technology — not the same old tech that hasn’t evolved much.

A few weeks ago, before CNY, I visited a shopping mall and saw the Mitsubishi Xforce on display.

First impression? The exterior looks good. Stylish and modern.

But once I stepped inside, the interior felt average. The biggest disappointment — it doesn’t even come with power seat controls.

I asked the salesgirl, “Why no power seat when I’m paying over RM100k for a new car?”

She smiled and admitted that’s one of its weaknesses. She kept emphasizing that it’s a Japanese product — selling reliability, durability, and strong resale value.

I just laughed 🤣

China brands are offering the same promises now — reliability, durability, resale value. It’s just a matter of time.

Santa Stories

jlkh760830 — Wed, 24 Dec 2025 20:13:55 +0800

[YOUTUBE]MlgsSgFk2z0?si=_0jjIoQ8rslaCqdy[/YOUTUBE]

Silent Call

jlkh760830 — Mon, 15 Dec 2025 18:05:55 +0800

Scam Alert

This number called me, but there was no voice on the line. I mistakenly thought it was my customer and said “Hello” twice before the call ended immediately.

When I tried calling back, the number was unreachable.

This strongly indicates a scam attempt designed to capture and record our voices.

Please stay alert and be cautious.

Dooms Day

jlkh760830 — Mon, 08 Dec 2025 10:39:36 +0800

Yaris Cross

jlkh760830 — Tue, 25 Nov 2025 08:47:51 +0800

Malaysia punya bila mau launching ❓

Early morning Joke 🤣

jlkh760830 — Wed, 19 Nov 2025 09:13:43 +0800

'Dulu kalau Tun M cakap
Type-M ni kurang cerdik
aku sanggup lawan demi
geng Type-M
Tapi sekarang... I pun
terpaksa akui ada
betulnya - especially bila
tengok orang beli kereta
pakai nama company
dealer sendiri 😂

Save Me

jlkh760830 — Sun, 16 Nov 2025 12:35:32 +0800

STAR News (Click Here)

UFO ! or

jlkh760830 — Sun, 16 Nov 2025 11:36:54 +0800

Star News (Click Here)

Jumanji 3

jlkh760830 — Fri, 14 Nov 2025 19:51:55 +0800

WhatsApp Business

jlkh760830 — Wed, 12 Nov 2025 19:33:58 +0800

Just today. I found out WhatsApp Business app are enable the features of (Delete Everyone & Edit messages)
And Meta are forcing users to sign up thier Business Standard package. 😤😡🤬
Anyone experiencing the same issue?

AE86

jlkh760830 — Mon, 03 Nov 2025 21:19:50 +0800

AE86 Webpage

4AGE

jlkh760830 — Fri, 31 Oct 2025 09:49:08 +0800

[YOUTUBE]-uNeJQ6BqhE?si=496quyjgHD8cN27L[/YOUTUBE]

Happy Father's Day (Cap)

jlkh760830 — Thu, 30 Oct 2025 20:58:41 +0800

Rules 78

jlkh760830 — Tue, 21 Oct 2025 23:23:38 +0800

Imagine you borrow RM100,000 for 9 years.

You pay RM1,176 every month in both methods.
But how the interest is charged makes a big difference.

---

🧮 Rule of 78 (Flat Rate)

The bank calculates all the interest (RM27,000) at the start.

Then they spread it unevenly — more interest at the beginning, less at the end.

So in early months, your payment mostly goes to interest, not reducing your loan.

Example:

1st month → RM495 interest, RM681 principal.

60th month → RM225 interest, RM951 principal.

Even if you settle early (say after 3 years), you’ve already paid most of the interest — very little savings.

🟥 Bad for borrowers who plan to pay off early.
🟩 Good for banks — they collect most of the interest early.

---

💰 Reducing Balance Method

Interest is charged only on what you still owe.

Each month, as you pay off principal, your balance goes down — so interest also drops.

Example:

1st month → RM458 interest, RM718 principal.

60th month → RM226 interest, RM950 principal.

If you pay off early, you save a lot of interest because your balance is smaller.

🟩 Fairer for borrowers — more savings if you pay early.
🟥 Bank earns less if you settle early.

---

⚖️ In short

Rule of 78 Reducing Balance

Interest Charged upfront Charged monthly on balance
Early Settlement Small savings Big savings
Early Payments Mostly interest Mostly principal
Fairness Favors bank Favors borrower

---

If you keep the loan full 9 years — both end up around same total cost.
But if you settle early, Reducing Balance saves you a lot more.

CCTV at School

jlkh760830 — Wed, 15 Oct 2025 09:57:57 +0800

What took them so long to install CCTV at all school since today technology gadgets getting cheaper?

Cendol ❓

jlkh760830 — Tue, 14 Oct 2025 22:22:02 +0800

Imagine U are having business class or first class flight,
And your flight attendant serve U Cendol..
May I know, how to express such feelings?