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        <title>Lowyat.NET: Latest topics by Sunshine_me</title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Sun, 28 Jun 2026 02:13:02 +0800</lastBuildDate>
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        <item>
            <title>Pay Maxis more or just change provider?</title>
            <link>http://forum.lowyat.net/topic/5430547</link>
            <description>Apparently i cant get enough coverage and speed (maxis) in my area, even though my sis is using the same provider, just different phone, she got more speed. I&amp;#39;m using iphone and she&amp;#39;s using oppo. &lt;br /&gt;&lt;br /&gt;My friend said we need to pay plus rm10 in our bill every month for 5G. Is it worth it?</description>
            <author>Sunshine_me</author>
            <category>Telco Talk</category>
            <pubDate>Tue, 02 Jan 2024 17:25:29 +0800</pubDate>
        </item>
        <item>
            <title>UEM Sunrise - A Property Giant in the Making</title>
            <link>http://forum.lowyat.net/topic/5037048</link>
            <description>HLIB’s VIEW&lt;br /&gt;Forming a property giant. The proposed exercise will result in the two entities forming the second largest listed property land bank owner in Malaysia. We are slightly negative on the near-term implications as UEMS will be inheriting ECW’s balance sheet which currently stands at a net gearing of 0.64x (vis-à-vis UEMS’ 0.4x). The entity will likely have to go through a gestation period before workforce culture and branding assimilation takes place over the longer term. Furthermore, the company may require a longer time to monetize its overall land bank as it already has a large land bank pre-merger (land bank increases to 14.5k acres from 9.9k acres). Nonetheless, in the long run, this exercise is a positive for UEMS given (i) its depleting exposure of land bank in the Central region (allowing ECW to fill this void), (ii) complementary target markets (mid to premium market), and (iii) potentially leaner workforce (when combined) after streamlining.&lt;br /&gt;&lt;br /&gt;Share swap. The proposed merger will be carried out by way of securities exchange (without cash payments). The proposed issuance of new ordinary shares in UEMS at an issue price of RM0.443 is in exchange for ECW shares at an exchange price of RM0.469 for the latter. This would result in an exchange rate of c.1.0587 new UEMS shares for every one ECW share held. We deem this fair as it values both companies equally at a P/B per share of c.0.25x. The multiple is rather low as the property market remains subdued with both companies facing their own challenges i.e. UEMS’ exposure to the Johor market and ECW’s balance sheet position.&lt;br /&gt;&lt;br /&gt;&lt;a href='https://klse.i3investor.com/blogs/hleresearch/2020-10-06-story-h1514477210-UEM_Sunrise_A_Property_Giant_in_the_Making.jsp' target='_blank'&gt;https://klse.i3investor.com/blogs/hleresear..._the_Making.jsp&lt;/a&gt;</description>
            <author>Sunshine_me</author>
            <category>Property Talk</category>
            <pubDate>Tue, 06 Oct 2020 15:49:30 +0800</pubDate>
        </item>
        <item>
            <title>Open current bank account</title>
            <link>http://forum.lowyat.net/topic/4897889</link>
            <description>Any recommendations for which bank I should go for to open a current account? Used to hv CIMB but closed it down recently. Thinking of opening Hong Leong&amp;#39;s Pay&amp;amp;Save Account after seeing their ad. Promo this coming 3 Feb. 3.0% p.a interest if i open an account with them at DC Mall branch. &lt;br /&gt;&lt;br /&gt;&lt;a href='https://www.hlb.com.my/en/personal-banking/promotions/dp-menara-hong-leong-branch-exclusive-promotions.html' target='_blank'&gt;https://www.hlb.com.my/en/personal-banking/...promotions.html&lt;/a&gt;</description>
            <author>Sunshine_me</author>
            <category>Kopitiam</category>
            <pubDate>Tue, 28 Jan 2020 20:27:03 +0800</pubDate>
        </item>
        <item>
            <title>Axiata has 3 prong growth strategy</title>
            <link>http://forum.lowyat.net/topic/4840422</link>
            <description>Jamaludin has a three-prong strategy. First, he is looking to tap into growth in the mobile space in countries outside Malaysia where Axiata already has a footprint such as in Indonesia and Bangladesh.&lt;br /&gt;&lt;br /&gt;Secondly, he wants to create three unicorns (a unicorn is a tech start-up which reaches a value of US&amp;#036;1 bil) parked under Axiata&amp;#39;s digital business. These three unicorn hopefuls are digital financial services Boost, digital advertising company ada, and digital platform Apigate.&lt;br /&gt;&lt;br /&gt;Thirdly, he is scouting for new areas to enlarge Axiata&amp;#39;s tower business edotco. This means looking at newer areas in Southeast Asia and South Asia and edotco is expected to contribute to Axiata&amp;#39;s bottomline.&lt;br /&gt;&lt;br /&gt;Read more: &lt;a href='http://read.focusmalaysia.my/ePaper/xml_epaper/Focus/21_09_2019/pla_1_Standard/xml_arts/art_51374.htm' target='_blank'&gt;http://read.focusmalaysia.my/ePaper/xml_ep...s/art_51374.htm&lt;/a&gt;</description>
            <author>Sunshine_me</author>
            <category>Stock Exchange</category>
            <pubDate>Sat, 21 Sep 2019 01:25:12 +0800</pubDate>
        </item>
        <item>
            <title>Jerebu - bekerja dari rumah?</title>
            <link>http://forum.lowyat.net/topic/4840040</link>
            <description>Jerebu: Majikan disaran benarkan pekerja bekerja dari rumah&lt;br /&gt;&lt;br /&gt;BERNAMA&lt;br /&gt;PUTRAJAYA - Kementerian Sumber Manusia menyarankan majikan supaya melaksanakan dasar kerja fleksibel dengan membenarkan pekerja menjalankan tugasan dari rumah masing-masing berikutan keadaan jerebu yang berterusan.&lt;br /&gt;&lt;br /&gt;Kementerian itu menyatakan bahawa perkara itu telah dibangkitkan dalam mesyuarat Kabinet semalam yang mana ia adalah tanggungjawab utama majikan dalam memastikan keselamatan dan kesihatan pekerja di tempat bekerja.&lt;br /&gt;&lt;br /&gt;&amp;quot;Adalah penting majikan untuk menjalankan penilaian risiko dan melaksanakan langkah-langkah yang sewajarnya termasuk menentukan keperluan untuk datang bekerja, bagi memastikan risiko yang dikenal pasti dapat dikurangkan,&amp;quot; menurut kementerian itu dalam satu kenyataan hari ini.&lt;br /&gt;&lt;br /&gt;Selain mematuhi Garis Panduan bagi Pengenalpastian Bahaya, Penaksiran Risiko dan Kawalan Risiko (HIRARC), majikan juga digalakkan untuk melaksanakan dasar kerja fleksibel seperti membenarkan pekerja menjalankan tugasan dari rumah sekiranya keadaan menjadi lebih berbahaya kepada kesihatan dan mereka.&lt;br /&gt;&amp;quot;Undang-undang perburuhan di Malaysia tidak melarang majikan daripada menentukan tempat pekerjaan selain daripada yang dinyatakan dalam kontrak pekerjaan seperti rumah pekerja, bergantung kepada keadaan tertentu seperti jerebu atau banjir, sebagai langkah sementara sehingga keadaan kembali selamat,&amp;quot; menurut kenyataan itu lagi.&lt;br /&gt;&lt;br /&gt;Di bawah Akta Keselamatan dan Kesihatan Pekerjaan, 1994 (OSHA), Jabatan Keselamatan dan Kesihatan Pekerjaan (DOSH) boleh mengarahkan sebarang aktiviti pekerjaan yang terjejas akibat jerebu dihentikan dalam keadaan di mana menimbulkan bahaya kepada keselamatan dan kesihatan pekerja.&lt;br /&gt;&lt;br /&gt;Mana-mana majikan yang didapati tidak mematuhi Arahan Menghentikan Kerja di bawah OSHA boleh didenda tidak melebihi RM50,000 atau dipenjarakan tidak melebihi lima tahun atau kedua-duanya dan denda selanjutnya sebanyak RM500 bagi setiap hari yang kesalahan tersebut berterusan.&lt;br /&gt;&lt;br /&gt;Kementerian juga menyarankan majikan supaya memulakan persediaan bagi melindungi keselamatan dan kesihatan pekerja terhadap kesan jerebu termasuk mengenalpasti pekerja yang berisiko seperti pekerja dengan masalah jantung atau penyakit pernafasan dan menentukan kriteria untuk menghentikan kerja luar.&lt;br /&gt;&lt;br /&gt;Majikan juga harus memastikan pekerja dengan gejala perubatan yang terkesan dengan jerebu seperti gatal tekak dan batuk, mata merah dan berair, bersin, kulit gatal dan kesukaran bernafas agar segera mendapatkan rawatan perubatan.&lt;br /&gt;&lt;br /&gt;Majikan juga harus mengenalpasti jenis kerja luar bangunan untuk dikurangkan, menjalankan ujian pernafasan untuk pekerja yang perlu bekerja di luar, memastikan topeng muka N95 dipakai, meningkatkan kecekapan peranti pembersihan udara di tempat kerja serta melaksanakan sistem komunikasi jerebu antara majikan dan pekerja. - Bernama</description>
            <author>Sunshine_me</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Fri, 20 Sep 2019 12:04:38 +0800</pubDate>
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