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        <title>Lowyat.NET: Latest topics by wawasan2200</title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Fri, 05 Jun 2026 15:59:40 +0800</lastBuildDate>
        <generator>FeedCreator 1.7.2</generator>
        <item>
            <title>PTPTN defaulter with good career kena travel ban</title>
            <link>http://forum.lowyat.net/topic/5554816</link>
            <description>&lt;a href='https://www.thestar.com.my/news/nation/2026/02/09/travel-bans-only-on-ptptn-loan-defaulters-with-successful-careers-dewan-rakyat-told' target='_blank'&gt;https://www.thestar.com.my/news/nation/2026...wan-rakyat-told&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;KUALA LUMPUR: Travel bans will only be imposed on National Higher Education Fund Corporation (PTPTN) borrowers who fail to settle their loans despite earning well or working overseas, the Dewan Rakyat was told</description>
            <author>wawasan2200</author>
            <category>Kopitiam</category>
            <pubDate>Mon, 09 Feb 2026 22:13:22 +0800</pubDate>
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            <title>Can recommend alcohol for GuoDaLi and wedding?</title>
            <link>http://forum.lowyat.net/topic/5549080</link>
            <description>Budget for GuoDaLi = RM3,000&lt;br /&gt;&lt;br /&gt;Budget for Wedding dinner = RM9,999&lt;br /&gt;&lt;br /&gt;i don&amp;#39;t drink and I only know or heard of Hennessy XO and Martin Remy.....&lt;br /&gt;&lt;br /&gt;I went to trendcell, so mamy bottles there....basically i choose based on packaging....like &lt;br /&gt;&lt;br /&gt;Hennessy Cognac X.O NBA 2025 Edition with Gift Box&lt;br /&gt;Royal Salute 21&lt;br /&gt;&lt;br /&gt;can tolong recommend?&lt;br /&gt;&lt;br /&gt;thank you in advance</description>
            <author>wawasan2200</author>
            <category>Kopitiam</category>
            <pubDate>Sat, 13 Dec 2025 17:01:30 +0800</pubDate>
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        <item>
            <title>how to know a school is good or not?</title>
            <link>http://forum.lowyat.net/topic/5544093</link>
            <description>my friend wants send his child to primary school, can only do survey asking the people around the neighborhood?</description>
            <author>wawasan2200</author>
            <category>Kopitiam</category>
            <pubDate>Sat, 25 Oct 2025 07:58:20 +0800</pubDate>
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            <title>B40 asks what house he can afford</title>
            <link>http://forum.lowyat.net/topic/5537728</link>
            <description>everyone has different commitment&lt;br /&gt;&lt;br /&gt;gaji 20k dsr maybe 90%&lt;br /&gt;gaji 10k dsr maybe 10%&lt;br /&gt;&lt;br /&gt;so use net saving per year is better to assess affordability&lt;br /&gt;&lt;br /&gt;my friend after deduct everything 1 year can save RM40k only (bonus not yet counted)&lt;br /&gt;&lt;br /&gt;what house can he afford?&lt;br /&gt;&lt;br /&gt;i advise him save 10k, use 30k for house&lt;br /&gt;&lt;br /&gt;30k/12 = 2500&lt;br /&gt;&lt;br /&gt;2500 = 2300 loan instalment + 200 maintenance fee&lt;br /&gt;&lt;br /&gt;2300 = 450k house, interest rate 4.5%, 30 years loan&lt;br /&gt;&lt;br /&gt;what do you think？</description>
            <author>wawasan2200</author>
            <category>Kopitiam</category>
            <pubDate>Sat, 30 Aug 2025 09:45:05 +0800</pubDate>
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        <item>
            <title>buy rumah selangorku or rent?</title>
            <link>http://forum.lowyat.net/topic/5534508</link>
            <description>anyone bought rumah selangorku?&lt;br /&gt;&lt;br /&gt;how is the community?</description>
            <author>wawasan2200</author>
            <category>Kopitiam</category>
            <pubDate>Sun, 03 Aug 2025 22:26:08 +0800</pubDate>
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            <title>Holiday is ok but dont suka suka announce ok?</title>
            <link>http://forum.lowyat.net/topic/5533162</link>
            <description>&lt;a href='https://theedgemalaysia.com/node/763808' target='_blank'&gt;https://theedgemalaysia.com/node/763808&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;manufacturing version tldr&lt;br /&gt;The manufacturing sector is highly sensitive to last-minute holiday declarations, due to tightly scheduled production timelines, export commitments, and labour shifts&amp;quot;.&lt;br /&gt;&lt;br /&gt;cheong members tldr&lt;br /&gt;my girlfriend suddenly got holiday but i paid non-refundable deposits for cheong, money wasted&lt;br /&gt;&lt;br /&gt;</description>
            <author>wawasan2200</author>
            <category>Kopitiam</category>
            <pubDate>Thu, 24 Jul 2025 12:45:23 +0800</pubDate>
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            <title>Japan trip proposal recommendation</title>
            <link>http://forum.lowyat.net/topic/5532680</link>
            <description>my friend wants to propose his gf to get married&lt;br /&gt;&lt;br /&gt;if successful will take photos there instead of another round of wedding shooting.&lt;br /&gt;&lt;br /&gt;which place is best suited?</description>
            <author>wawasan2200</author>
            <category>Kopitiam</category>
            <pubDate>Sun, 20 Jul 2025 21:15:15 +0800</pubDate>
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        <item>
            <title>help Gov Madani conduct survey on SST</title>
            <link>http://forum.lowyat.net/topic/5529827</link>
            <description>what have matters you discussed during the meeting?</description>
            <author>wawasan2200</author>
            <category>Kopitiam</category>
            <pubDate>Mon, 30 Jun 2025 16:46:16 +0800</pubDate>
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        <item>
            <title>imported oren apel no SST</title>
            <link>http://forum.lowyat.net/topic/5529378</link>
            <description>PUTRAJAYA (June 26): The government will grant a sales and service tax (SST) exemption for certain imported fruits, including apples and oranges, following public feedback regarding prices of local and imported fruits, Prime Minister Datuk Seri Anwar Ibrahim said.&lt;br /&gt;&lt;br /&gt;He said although the government wants to encourage the public to prioritise local fruits such as guava, rambutan, and durian, the tax exemption on these two main imported fruits is being implemented to ensure that low-income groups can still afford healthy food options.&lt;br /&gt;&lt;br /&gt;“Yesterday (Wednesday, June 25), during the Cabinet meeting, we heard the concerns of the people — some still want to eat apples and oranges because they’re more affordable.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='https://theedgemalaysia.com/node/760469' target='_blank'&gt;https://theedgemalaysia.com/node/760469&lt;/a&gt;</description>
            <author>wawasan2200</author>
            <category>Kopitiam</category>
            <pubDate>Thu, 26 Jun 2025 14:21:43 +0800</pubDate>
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        <item>
            <title>SST 1 Aug 2025 - apa macam sekarang?</title>
            <link>http://forum.lowyat.net/topic/5529072</link>
            <description>&lt;a href='https://www.google.com/amp/s/www.malaymail.com/amp/news/malaysia/2025/06/22/mof-new-sst-registration-opens-aug-1-as-tax-scope-expands-in-july-to-include-construction-education-beauty-services/181311' target='_blank'&gt;https://www.google.com/amp/s/www.malaymail....services/181311&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;KUALA LUMPUR, June 22 — The Ministry of Finance (MoF) has announced that new registration applications in relation to the expansion of the service tax scope and the revision of the sales tax rate, effective from July 1, 2025, can be made starting from Aug 1, 2025.&lt;br /&gt;&lt;br /&gt;For existing registered persons, applications for the addition of new services under the expansion of the service tax scope and tariff codes under the revision of the sales tax rate, which is effective from July 1, 2025, can be submitted beginning June 24, 2025, the ministry said in a post on X today.</description>
            <author>wawasan2200</author>
            <category>Kopitiam</category>
            <pubDate>Tue, 24 Jun 2025 13:11:25 +0800</pubDate>
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        <item>
            <title>e invoice postponed again</title>
            <link>http://forum.lowyat.net/topic/5526224</link>
            <description>&lt;a href='https://www.freemalaysiatoday.com/category/nation/2025/06/05/govt-revises-e-invoicing-deadlines-for-businesses-earning-below-rm5mil' target='_blank'&gt;https://www.freemalaysiatoday.com/category/...ng-below-rm5mil&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;</description>
            <author>wawasan2200</author>
            <category>Kopitiam</category>
            <pubDate>Thu, 05 Jun 2025 20:52:40 +0800</pubDate>
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        <item>
            <title>Employment contract needs pay stamp duty</title>
            <link>http://forum.lowyat.net/topic/5523421</link>
            <description>&lt;a href='https://www.thestar.com.my/news/nation/2025/05/17/job-contracts-stamping-rule-could-hurt-smes' target='_blank'&gt;https://www.thestar.com.my/news/nation/2025...could-hurt-smes&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;tldr&lt;br /&gt;&lt;br /&gt;employment contacts need pay stamp duty&lt;br /&gt;&lt;br /&gt;part time also need&lt;br /&gt;&lt;br /&gt;monthly wages below RM300 are exempted</description>
            <author>wawasan2200</author>
            <category>Kopitiam</category>
            <pubDate>Sat, 17 May 2025 13:13:22 +0800</pubDate>
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        <item>
            <title>Fresh Graduate Malaysia get RM5k above</title>
            <link>http://forum.lowyat.net/topic/5521815</link>
            <description>just search on jobstreet app, fresh graudate salary got improvement&lt;br /&gt;&lt;br /&gt;10 years ago fresh graduate in my industry get 2.5k-4k&lt;br /&gt;&lt;br /&gt;now can get 3.5k-5.5k&lt;br /&gt;&lt;br /&gt;floor raised by 1k &lt;br /&gt;ceiling raised by 1.5k&lt;br /&gt;&lt;br /&gt;rich getting richer&lt;br /&gt;big companies can afford to more salary&lt;br /&gt;&lt;br /&gt;my advise to all fresh graduate, first job and starting pay is important, dont kena scam by chinaman boss: we pay you lower but you can gain good experience from us&lt;br /&gt;&lt;br /&gt;btw earn SGD is better</description>
            <author>wawasan2200</author>
            <category>Kopitiam</category>
            <pubDate>Tue, 06 May 2025 13:28:28 +0800</pubDate>
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        <item>
            <title>Household expenses for a family of 4 in KV?</title>
            <link>http://forum.lowyat.net/topic/5521549</link>
            <description>why the gap 1-6 vs 7-11 so big？</description>
            <author>wawasan2200</author>
            <category>Kopitiam</category>
            <pubDate>Sun, 04 May 2025 14:23:03 +0800</pubDate>
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            <title>after get married, rent first, buy house later ok？</title>
            <link>http://forum.lowyat.net/topic/5521538</link>
            <description>my friend plan to get married, buy a house and have 2 childs after married&lt;br /&gt;&lt;br /&gt;he has no idea about the cost of raising a child so he scares he buys a house that he cannot afford &lt;br /&gt;&lt;br /&gt;he heard people said 1 mil is needed to raise a child&lt;br /&gt;&lt;br /&gt;he surveyed about the cost of raising a child however he getting confused because the cost range he was told is big&lt;br /&gt;&lt;br /&gt;so he plan to rent a fully furnished house and see how much is the costs of raising his childs before buying a house&lt;br /&gt;&lt;br /&gt;but his gf  feels insecure with renting and wants him to buy a house before get married.....&lt;br /&gt;&lt;br /&gt;thank you so much for your vote</description>
            <author>wawasan2200</author>
            <category>Kopitiam</category>
            <pubDate>Sun, 04 May 2025 12:35:15 +0800</pubDate>
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            <title>unhappy with housing loan</title>
            <link>http://forum.lowyat.net/topic/5521119</link>
            <description>i feel i am an idiot if i borrow a housing loan from bank&lt;br /&gt;&lt;br /&gt;because my hard earned money = bank’s easy money&lt;br /&gt;&lt;br /&gt;if buy cash i feel sakit hati&lt;br /&gt;&lt;br /&gt;how to cure this kedekut mindset？</description>
            <author>wawasan2200</author>
            <category>Kopitiam</category>
            <pubDate>Wed, 30 Apr 2025 22:56:25 +0800</pubDate>
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            <title>will u hire 1 that filed constructive dismissal?</title>
            <link>http://forum.lowyat.net/topic/5519867</link>
            <description>my friend filed a constructive dismissal case because he thinks the company downgrade he job scope&lt;br /&gt;&lt;br /&gt;inspired by&lt;br /&gt;&lt;br /&gt;&lt;a href='https://www.freemalaysiatoday.com/category/nation/2024/10/02/ex-sabah-glc-senior-manager-awarded-rm1mil-for-constructive-dismissal' target='_blank'&gt;https://www.freemalaysiatoday.com/category/...ctive-dismissal&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;The transfer to a position where she had to perform tasks which she had performed before she became senior manager, was a demotion in rank and reduction in responsibilities notwithstanding that there was neither a salary reduction or change in job grade,” Indra said in a 31-page award issued last week.</description>
            <author>wawasan2200</author>
            <category>Kopitiam</category>
            <pubDate>Tue, 22 Apr 2025 22:57:52 +0800</pubDate>
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        <item>
            <title>China will lose trade war</title>
            <link>http://forum.lowyat.net/topic/5517224</link>
            <description>i think china will lose in the trade war&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='https://worldofbuzz.com/chinese-woman-pays-rm30-a-month-to-sleep-in-office-toilet-as-she-cant-afford-rent-outside/' target='_blank'&gt;https://worldofbuzz.com/chinese-woman-pays-...d-rent-outside/&lt;/a&gt;</description>
            <author>wawasan2200</author>
            <category>Kopitiam</category>
            <pubDate>Mon, 07 Apr 2025 12:41:27 +0800</pubDate>
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            <title>National badge on school uniform</title>
            <link>http://forum.lowyat.net/topic/5515825</link>
            <description>&lt;a href='https://worldofbuzz.com/moe-starting-21-april-its-mandatory-for-all-students-to-wear-malaysian-flag-badges-on-their-uniforms/' target='_blank'&gt;https://worldofbuzz.com/moe-starting-21-apr...their-uniforms/&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;mandatory national badge on school uniform&lt;br /&gt;&lt;br /&gt;</description>
            <author>wawasan2200</author>
            <category>Kopitiam</category>
            <pubDate>Fri, 28 Mar 2025 15:18:52 +0800</pubDate>
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            <title>employees tak suka dia tak datang kerja how？</title>
            <link>http://forum.lowyat.net/topic/5515103</link>
            <description>can employer pay incentive for attendance?&lt;br /&gt;&lt;br /&gt;some employees taking emergency leave unpaid leave (suka suka emergency, annual leave habis guna so apply unpaid leave) like no tomorrow causing operational distruption&lt;br /&gt;&lt;br /&gt;those staff who have good attendance fed up to back up them&lt;br /&gt;&lt;br /&gt;fire them is illegal&lt;br /&gt;deduct salary also cannot&lt;br /&gt;&lt;br /&gt;for new hiring, can company comes out salary package like&lt;br /&gt;&lt;br /&gt;salary RM1700&lt;br /&gt;if no unpaid leave or MC will pay incentive RM3300&lt;br /&gt;&lt;br /&gt;for those existing staff, can offer them new package, if dont take up new offer forever no increment? is it legal?&lt;br /&gt;&lt;br /&gt;</description>
            <author>wawasan2200</author>
            <category>Serious Kopitiam</category>
            <pubDate>Mon, 24 Mar 2025 12:47:46 +0800</pubDate>
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