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        <title>Lowyat.NET: Latest topics by timidandslow</title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Tue, 07 Jul 2026 07:42:20 +0800</lastBuildDate>
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            <title>do you elect me to be king  of /K?</title>
            <link>http://forum.lowyat.net/topic/4884622</link>
            <description>the coronation of king timmy will be held next year. long live the king &amp;#33;</description>
            <author>timidandslow</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Mon, 30 Dec 2019 09:09:33 +0800</pubDate>
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            <title>do you want me to continue posting into 2020</title>
            <link>http://forum.lowyat.net/topic/4884610</link>
            <description>should i continue using this id ?&lt;br /&gt;or create new dupe</description>
            <author>timidandslow</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Mon, 30 Dec 2019 08:35:47 +0800</pubDate>
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            <title>press conference reveals stunning expose</title>
            <link>http://forum.lowyat.net/topic/4884417</link>
            <description>first of all , It has been a dogged past week for me battling for control over my accounts and online persona with the malicious hacker [@Jiao2 Itchy].&lt;br /&gt;&lt;br /&gt;after a protracted online tussle I have finally managed to seize control of this id timidandslow, but who knows how long it will last before hackers regain superiority over me. I want to take this opportunity to clear up some confusion and misunderstanding.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Q: there are some who allege that your real world name is &amp;quot;soo tiannan&amp;quot; (who shall hereby be refered to as the Third Party. are these allegations true ? &lt;/b&gt;&lt;br /&gt;&lt;i&gt;A: this is 100% false . I am not sootienann in real life. and I have no knowledge of this person.&lt;/i&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Q: those same people also claim that your brother is &amp;quot; soo tien hong&amp;quot; who works in genting . how do you respond to these allegations ?&lt;/b&gt;&lt;br /&gt;A: again this is fake. again I do not know this person soo tien hong. again I have never heard of this name before. &lt;br /&gt;&lt;br /&gt;&lt;b&gt;Q: but then how do you explain the huge amount of evidence presented by jiao2 and others linking your id &amp;quot;timindandslow&amp;quot; to the Third Party ?&lt;/b&gt;&lt;br /&gt;&lt;i&gt;A: its all a ruse. the hacker jiao2 itchy had previously gained control over my id many days ago. he then used my id to post doctored evidence linking me to the Third Party. my suspicion is that he logged in using my id at un known point in time and fabricated the evidence, planting account number which matched the identity of said third party. and no doubt he has compromised and hacked the accounts of said third party just as easily has he hacked mine. &lt;/i&gt;&lt;br /&gt; &lt;br /&gt;&lt;b&gt;Q: So you are saying that the evidence linking you to the Third Party was forged by jiao2 ?  can you provide proof of these serious allegations ?&lt;/b&gt;&lt;br /&gt;&lt;i&gt;A: no i do not have any proof, i am not the admin. at this stage only the moderator or admin can corroborate my claims.&lt;/i&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Q: are you willing to take an oath upon a holy book of your chosing that you are not  the Third Party?&lt;/b&gt;&lt;br /&gt;&lt;i&gt;A: absolutely, i want to come out very clearly and say right now that i am not this person, have not met this person, have no knowledge of this person.  &lt;/i&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Q: we will return to the allegations at a later point.  so the public is eager to know, if you are not the 3rd party as you claim, who then are you  ?&lt;/b&gt;&lt;br /&gt;&lt;i&gt;A: here are 2 clues to my real world identity. I cannot reveal anything more than this at this point.&lt;br /&gt;&lt;span style='color:red'&gt;vimeo.com/381894953&lt;/span&gt;&lt;br /&gt;&lt;a href='https://forum.lowyat.net/topic/4883485' target='_blank'&gt;https://forum.lowyat.net/topic/4883485&lt;/a&gt;&lt;/i&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Q: if you and the 3rd party have no connection as you claim, then why is jiao2 trying to link the both of you ?&lt;/b&gt;&lt;br /&gt;&lt;i&gt;A: how would I knows? you need to ask him . there is no doubt in my mind that he has mental illness. its very clear to me that if he went through a tarot card reading , he would be diagnosed as being a sociopaths. no doubt about it. you simple need to look at his exhibited past behaviour , where he has  taken delight in hacked and compromised accounts of multiple people including &lt;br /&gt;dinox, adeline84, ceo10k , khai, lamtin, third party , and most recently myself. its obvious that he has a habit of pursuing a vicious vendetta against multiple people online. &lt;/i&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Q: so do you actually have the 300k FD that you claimed ?&lt;/b&gt;&lt;br /&gt;&lt;i&gt;A: as I said before, it varies depending on how I move my funds around . sometimes it can be less than 200k and sometimes more than 300k.&lt;/i&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Q: but is the money actually yours ? do you own it ?&lt;/b&gt;&lt;br /&gt;&lt;i&gt;A: I can only say that I control the funds and have access to it. &lt;/i&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Q: you mentioned an apology in the thread title ?&lt;/b&gt;&lt;br /&gt;&lt;i&gt;A: yes , I wish to apologise for the misleading 300k figure that I mentiond earlier. its a lot more at certain times. &lt;/i&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Q: what is your next course of action ?&lt;/b&gt;&lt;br /&gt;&lt;i&gt;A: since our admin [@empire23] has remained idle, it falls to me to rid this community of evildoers like jiao2 and his band of wretched scoundrels incubus and 2feidei. with my wrath I shall smite their heads as lightning smites the ground  &amp;#33; my right hand shall be the sickle to slake his flesh from his bones, and my left hand a hammer to pound his bones into ashes&amp;#33;&amp;#33;&amp;#33; …...&lt;/i&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Q: timmy please answer the question &amp;#33; timid you haven&amp;#39;t answered the question yet &amp;#33;&lt;/b&gt;&lt;br /&gt;&lt;i&gt;A: as I was saying, I hereby place a bounty on jiao2 itchy head. I will pay the magnificent sum of rm 400, yes 400 ringgit , to whoever reveals jiao2 true real world identity. the full bounty is payable upon confirmation that his identity is proven&lt;/i&gt;&lt;br /&gt;&lt;br /&gt;------ end of my prepared statement. I will start taking questions from the press , starting from front row -----</description>
            <author>timidandslow</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Sun, 29 Dec 2019 15:58:52 +0800</pubDate>
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            <title>to everyone who donated to tabung timidandslow</title>
            <link>http://forum.lowyat.net/topic/4883981</link>
            <description>for all those who contributed to my fund, i thanks you deeply from the bottom of my heart.&lt;br /&gt;&lt;br /&gt;although the total amount collected was not enough to achieve my final target,  nevertheless it is gratifying to see that charity still exists within this society&lt;br /&gt;&lt;br /&gt;i love you,  all my fans. live long and prosper. &lt;br /&gt;&lt;br /&gt;&lt;a href='https://forum.lowyat.net/topic/4883475' target='_blank'&gt;https://forum.lowyat.net/topic/4883475&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='https://pictr.com/image/5A5bA6' target='_blank'&gt;&lt;img src='https://pictr.com/images/2019/12/28/5A5bA6.md.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;</description>
            <author>timidandslow</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Sat, 28 Dec 2019 13:59:29 +0800</pubDate>
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            <title>come help solve my homework problem</title>
            <link>http://forum.lowyat.net/topic/4883485</link>
            <description>I am stumped , come help me solve this math question. with so many geniuses lurking in here I am sure kind sir will respond to my cry for help.&lt;br /&gt;&lt;br /&gt;&lt;a href='https://pictr.com/image/5oXuZP' target='_blank'&gt;&lt;img src='https://pictr.com/images/2019/12/27/5oXuZP.md.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;</description>
            <author>timidandslow</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Fri, 27 Dec 2019 13:02:03 +0800</pubDate>
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            <title>donation drive to reach my 300k</title>
            <link>http://forum.lowyat.net/topic/4883475</link>
            <description>my dear friends and fellow forum members. &lt;br /&gt;&lt;br /&gt;lately i have been called a liar by certain quarters (and by certain quarters i refer to the demented doctor hksgmy). he boldly claims that I once made a statement that I possess exactly 300k in liquid assets. he further goes on to assert that since I have not shown proof of that 300k , I shall therefore be deemed a liar in perpetuity.&lt;br /&gt;&lt;br /&gt;of course I do not wish to branded a liar. thus I am organizing a donation drive for myself. by my own count, I currently have shown proof that I possess &lt;br /&gt;&lt;br /&gt;175k&lt;br /&gt;&lt;a href='https://vimeo.com/380450649' target='_blank'&gt;https://vimeo.com/380450649&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;+ 100k&lt;br /&gt;&lt;a href='https://vimeo.com/380491963' target='_blank'&gt;https://vimeo.com/380491963&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;+13k&lt;br /&gt;&lt;a href='https://vimeo.com/381023311?utm_source=email&amp;utm_medium=vimeo-cliptranscode-201504&amp;utm_campaign=28749' target='_blank'&gt;https://vimeo.com/381023311?utm_source=emai..._campaign=28749&lt;/a&gt; &lt;br /&gt;&lt;br /&gt;+5k that is owed to be by the scumbag swindler destiny, and I shall endeavour to recover it eventually from him, by hook or by crook&lt;br /&gt;&lt;a href='https://forum.lowyat.net/topic/4881764' target='_blank'&gt;https://forum.lowyat.net/topic/4881764&lt;/a&gt;&lt;br /&gt;&lt;br /&gt; I require a mere additional &lt;b&gt;7k &lt;/b&gt;to cross the finish line and I shall be rid of the demented doctors unjustified accusations once and for all. &lt;br /&gt;&lt;br /&gt;I hope, nay I trust, that many here will be generous with your financial contribution , given our arousing interactions thus far. &lt;br /&gt;&lt;br /&gt;&lt;b&gt;pm me for my bank account number. &lt;br /&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;---------------------------------------------------------------------------&lt;br /&gt;&lt;br /&gt;&lt;!--QuoteBegin-hksgmy+Dec 23 2019, 08:34 AM--&gt;&lt;div class='quotetop'&gt;QUOTE(hksgmy &amp;#064; Dec 23 2019, 08:34 AM)&lt;/div&gt;&lt;div class='quotemain'&gt;&lt;!--QuoteEBegin--&gt;There’s a budak bodoh loitering in /k, claiming that he had RM300,000 in his FD, then quickly editing it to RM200,000 when challenged, then changing the story to say that he actually meant between RM200,000 to RM300,000 and actually he meant more than just the single FD (although he didn’t say so and hoped that by omission, he would fool the reader into thinking otherwise).&lt;br /&gt;&lt;br /&gt;Later, he supposedly showed a video as proof, but he forgot to delete the voice recording and his parents were overheard in the background chastising him to stop playing with his father’s online banking account. And that account only had a fraction of his claimed RM300,000.&lt;br /&gt;&lt;br /&gt;Maruah dia t’challa, he went on an anjing gila rampage - lashing out at everyone, all and sundry, claiming (falsely) that so many /k saw his dubious proof, name-dropping, MLM-style, to try to lie his way out of trouble.&lt;br /&gt;&lt;br /&gt;Now, he comes up with this pathetic RM100,000 in one FD plus RM175,000 in his daddy’s FD and RM13,000 in a Maybank2u Non-FD account and has the shameless gumption to ask how much is RM100,000 plus RM175,000 plus RM13,000 (which isn’t even in an FD) is, totaled.&lt;br /&gt;&lt;br /&gt;The answer is:&lt;br /&gt;&lt;br /&gt;&lt;b&gt;&lt;span style='font-size:16pt;line-height:100%'&gt;STILL NOTHING CLOSE TO RM300,000, STUPID&lt;/span&gt;&lt;/b&gt;&lt;br /&gt;[right][snapback]94933114[/snapback][/right]&lt;br /&gt;&lt;!--QuoteEnd--&gt;&lt;/div&gt;&lt;!--QuoteEEnd--&gt;&lt;br /&gt;---------------------------------------------------------------------------</description>
            <author>timidandslow</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Fri, 27 Dec 2019 12:41:21 +0800</pubDate>
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            <title>what christmas gift should i get</title>
            <link>http://forum.lowyat.net/topic/4881861</link>
            <description>2feidei can give me your postage address ? i want to get you a gift, anythign you want, budget rm 100&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;!--QuoteBegin-2feidei+Dec 23 2019, 05:16 PM--&gt;&lt;div class='quotetop'&gt;QUOTE(2feidei &amp;#064; Dec 23 2019, 05:16 PM)&lt;/div&gt;&lt;div class='quotemain'&gt;&lt;!--QuoteEBegin--&gt;why u so notty, not only access your daddy internet banking, but, also go see what your daddy buy for your mummy for valentine days gift  &lt;!--emo&amp;:facepalm:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/doh.gif' border='0' style='vertical-align:middle' alt='doh.gif' /&gt;&lt;!--endemo--&gt;&lt;br /&gt;[right][snapback]94939411[/snapback][/right]&lt;br /&gt;&lt;!--QuoteEnd--&gt;&lt;/div&gt;&lt;!--QuoteEEnd--&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;!--QuoteBegin-Docile+Dec 23 2019, 05:22 PM--&gt;&lt;div class='quotetop'&gt;QUOTE(Docile &amp;#064; Dec 23 2019, 05:22 PM)&lt;/div&gt;&lt;div class='quotemain'&gt;&lt;!--QuoteEBegin--&gt;Why wouldn&amp;#39;t a child buy that?&lt;br /&gt;For collection maybe&lt;br /&gt;[right][snapback]94939503[/snapback][/right]&lt;br /&gt;&lt;!--QuoteEnd--&gt;&lt;/div&gt;&lt;!--QuoteEEnd--&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;!--QuoteBegin-2feidei+Dec 23 2019, 05:22 PM--&gt;&lt;div class='quotetop'&gt;QUOTE(2feidei &amp;#064; Dec 23 2019, 05:22 PM)&lt;/div&gt;&lt;div class='quotemain'&gt;&lt;!--QuoteEBegin--&gt;why u all so bad one.....keep asking him log into his daddy lazada account, see what his daddy bought for his mummy for valentine days  &lt;!--emo&amp;:D--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/biggrin.gif' border='0' style='vertical-align:middle' alt='biggrin.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;&lt;br /&gt;but, good also lah, rather than another charsiew out by products after 2 minutes of enjoyment, the toys sound logical  &lt;!--emo&amp;:lol:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/laugh.gif' border='0' style='vertical-align:middle' alt='laugh.gif' /&gt;&lt;!--endemo--&gt;&lt;br /&gt;[right][snapback]94939508[/snapback][/right]&lt;br /&gt;&lt;!--QuoteEnd--&gt;&lt;/div&gt;&lt;!--QuoteEEnd--&gt;&lt;br /&gt;&lt;br /&gt;-------------------edit-------------------------&lt;br /&gt;&lt;br /&gt;first gift has been purchased. enjoy your gift anonymous forum member who stays in cheras connaught.&lt;br /&gt;&lt;br /&gt;[url=https://pictr.com/image/5oBO4Y]</description>
            <author>timidandslow</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Mon, 23 Dec 2019 17:26:59 +0800</pubDate>
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            <title>scammer refuse to honour the terms of agreement</title>
            <link>http://forum.lowyat.net/topic/4881764</link>
            <description>i present myself as the aggrieved party . i wish to pursue a case against [@destiny6] for breach of contract. allow me to narrate the sequence of events as i see it:&lt;br /&gt;&lt;br /&gt;1. a deal was struck between me and destiny. in layman terms , the T&amp;amp; C of the agreement is as follows:&lt;br /&gt;&lt;br /&gt;&lt;b&gt;destiny will pay me the sum of RM5,000 if I can prove that there exists a game called &amp;quot;texas hold em poker&amp;quot; in genting casino.&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;2. the terms of agreement was laid down and witnessed by a third party , [@2feidei].&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;3. thusly i made my way to genting to obtain proof to support my case. after having obtained said evidence, i departed genting.&lt;br /&gt;&lt;br /&gt;4. i then showed my evidence to destiny. however he denied that the evidence fits his requirements. essentially , he demands that only &amp;quot;player vs player&amp;quot; poker is acceptable.&lt;br /&gt;the game which currently exists in genting is &amp;quot;player vs dealer&amp;quot; poker. &lt;br /&gt;&lt;br /&gt;5. according to your learned opinion, O wise legal professionals, do i have a case to pursue destiny for breach of contract ?&lt;br /&gt;&lt;br /&gt;&lt;a href='https://pictr.com/image/5fsnk5' target='_blank'&gt;&lt;img src='https://pictr.com/images/2019/12/23/5fsnk5.md.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='https://pictr.com/image/5fsM81' target='_blank'&gt;&lt;img src='https://pictr.com/images/2019/12/23/5fsM81.md.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='https://pictr.com/image/5fsYvD' target='_blank'&gt;&lt;img src='https://pictr.com/images/2019/12/23/5fsYvD.md.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;</description>
            <author>timidandslow</author>
            <category>Serious Kopitiam</category>
            <pubDate>Mon, 23 Dec 2019 14:42:43 +0800</pubDate>
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            <title>share your christmas shopping list</title>
            <link>http://forum.lowyat.net/topic/4879906</link>
            <description>here is my christmas and new year shopping list , budget 5k courtesy of &lt;br /&gt;&lt;br /&gt;&lt;!--QuoteBegin-destiny6+Dec 19 2019, 12:44 PM--&gt;&lt;div class='quotetop'&gt;QUOTE(destiny6 &amp;#064; Dec 19 2019, 12:44 PM)&lt;/div&gt;&lt;div class='quotemain'&gt;&lt;!--QuoteEBegin--&gt;That small amount long time ready, just when u free come collect &lt;br /&gt;[right][snapback]94901120[/snapback][/right]&lt;br /&gt;&lt;!--QuoteEnd--&gt;&lt;/div&gt;&lt;!--QuoteEEnd--&gt;&lt;br /&gt;&lt;br /&gt;1. bondage sex toys for my harem&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;2. steel toed boots for ass kicking &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;3. 100,000  vet shitcoins</description>
            <author>timidandslow</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Thu, 19 Dec 2019 14:08:42 +0800</pubDate>
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            <title>how do you guys release stress and tension</title>
            <link>http://forum.lowyat.net/topic/4879902</link>
            <description>i  feel that anyone who cheongs prostitute is pathetic. and the lowest and worst of all are those who sit at home wanking to porn .&lt;br /&gt;&lt;br /&gt;personally i myself maintain a small harem of several fwb &amp;amp; fubu.&lt;br /&gt;&lt;br /&gt;as long as you have 6 figures liquid assets, and is reasonably well (endowed down there), it should not be too hard to maintain a small harem .&lt;br /&gt;the only bad habit i have that my fwd/fubu dislike , is my occasional wager at the genting casino texas hold em poker. aside from that i dont have any other bad habits.&lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('924db03b73a10b9a477d80c2d61db04d')&quot; style=&quot;font-weight: bold&quot;&gt;&lt;u&gt;&amp;raquo; Click to show Spoiler - click again to hide... &amp;laquo;&lt;/u&gt;&lt;/div&gt;&lt;div class=&quot;spoilermain&quot; id=&quot;924db03b73a10b9a477d80c2d61db04d&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;&lt;br /&gt;&lt;a href='https://click.email.vimeo.com/?qs=e74b405443fefc48f82e58aa7f5021d29f817f65692f8ead4051ddf6e969e9a6d66b6f8886955282cc122fb95dc498d8f16420d6fa4dd1e0a256abaaa149f601' target='_blank'&gt;https://click.email.vimeo.com/?qs=e74b40544...256abaaa149f601&lt;/a&gt;&lt;br /&gt;&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;</description>
            <author>timidandslow</author>
            <category>Kopitiam</category>
            <pubDate>Thu, 19 Dec 2019 14:02:58 +0800</pubDate>
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            <title>same or different tyre pressure</title>
            <link>http://forum.lowyat.net/topic/4877076</link>
            <description>for front wheel drive car which seldom carry passengers, is it recommended to have same tyre pressure, or different pressure for front and rear ?</description>
            <author>timidandslow</author>
            <category>The Fast &amp;amp; The Furious</category>
            <pubDate>Thu, 12 Dec 2019 21:51:22 +0800</pubDate>
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            <title>how to get corporate discount</title>
            <link>http://forum.lowyat.net/topic/4873932</link>
            <description>i believe most buyers of brand new bmw and merc will be eligible for the 6-8% discount. &lt;br /&gt;&lt;br /&gt;now my question is, for the unlucky few like myself who are not entitled to such discount,  is it still recommended to buy brand new bmw or merc? or should i opt for second hand car instead?</description>
            <author>timidandslow</author>
            <category>The Fast &amp;amp; The Furious</category>
            <pubDate>Thu, 05 Dec 2019 13:39:49 +0800</pubDate>
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            <title>is it recommended to get high loan margin</title>
            <link>http://forum.lowyat.net/topic/4873654</link>
            <description>currently i have rm200k sitting in FD. i am planning to buy property which costs rm400k for investment.&lt;br /&gt;my question is , should i take a 50% loan and use my FD to pay 50% downpayment? &lt;br /&gt;or , take a 90% flexi loan then move my FD into the mortgage to reduce the interest payable ?</description>
            <author>timidandslow</author>
            <category>Finance, Business and Investment House</category>
            <pubDate>Wed, 04 Dec 2019 17:35:52 +0800</pubDate>
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            <title>is it better to keep money in FD</title>
            <link>http://forum.lowyat.net/topic/4873647</link>
            <description>currently i have rm200k sitting in FD. i am planning to buy property which costs rm400k for investment.&lt;br /&gt;my question is , should i take a 50% loan and use my FD to pay 50% downpayment?&lt;br /&gt;or , take a 90% flexi loan then move my FD into the mortgage to reduce the interest payable ?&lt;br /&gt;&lt;br /&gt;[@000022]&lt;br /&gt;&lt;br /&gt;[@apuneneh]&lt;br /&gt;&lt;br /&gt;&lt;b&gt;drillz&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('44e31e35e6066a5a5b0a464b7778a468')&quot; style=&quot;font-weight: bold&quot;&gt;&lt;u&gt;&amp;raquo; Click to show Spoiler - click again to hide... &amp;laquo;&lt;/u&gt;&lt;/div&gt;&lt;div class=&quot;spoilermain&quot; id=&quot;44e31e35e6066a5a5b0a464b7778a468&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;&lt;br /&gt;&lt;a href='https://click.email.vimeo.com/?qs=e74b405443fefc48f82e58aa7f5021d29f817f65692f8ead4051ddf6e969e9a6d66b6f8886955282cc122fb95dc498d8f16420d6fa4dd1e0a256abaaa149f601' target='_blank'&gt;https://click.email.vimeo.com/?qs=e74b40544...256abaaa149f601&lt;/a&gt;&lt;br /&gt;&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;&lt;br /&gt;--- edit ---&lt;br /&gt;my general understanding is that , of course its better to take the minimum loan possible or no loan at all when buying a property . just pay cash if possible. in this scenario i forego the 4-5% annual returns that my funds are generating. but i skip the mortgage interest, valuer fee, legal fee, mrta.&lt;br /&gt;&lt;br /&gt;of course i run the small risk of lhdn raising questions</description>
            <author>timidandslow</author>
            <category>Kopitiam</category>
            <pubDate>Wed, 04 Dec 2019 17:23:34 +0800</pubDate>
        </item>
        <item>
            <title>wtb new rwd car</title>
            <link>http://forum.lowyat.net/topic/4872717</link>
            <description>i am looking for brand new car with below conditions:&lt;br /&gt;&lt;br /&gt;1. brand new&lt;br /&gt;2. rwd&lt;br /&gt;3. maximum cost rm180k&lt;br /&gt;4. minimum power 180bhp</description>
            <author>timidandslow</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Mon, 02 Dec 2019 16:36:58 +0800</pubDate>
        </item>
        <item>
            <title>wtb new car with NA engine</title>
            <link>http://forum.lowyat.net/topic/4869189</link>
            <description>I am currently in the market for a new car. &lt;br /&gt;requirements:&lt;br /&gt;NA engine&lt;br /&gt;power above 160bhp&lt;br /&gt;price below rm140k.</description>
            <author>timidandslow</author>
            <category>The Fast &amp;amp; The Furious</category>
            <pubDate>Sun, 24 Nov 2019 14:35:31 +0800</pubDate>
        </item>
        <item>
            <title>gdex keep on miss call me</title>
            <link>http://forum.lowyat.net/topic/4866460</link>
            <description>i am expecting a parcel from gdex. the problem is instead of delivering it to me they have been miss calling me for the past 3 days. &lt;br /&gt;&lt;br /&gt;when i say miss call i mean they call my phone then hang up in 1 second before i can pick up. &lt;br /&gt;&lt;br /&gt;anyone else have this experience?</description>
            <author>timidandslow</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Mon, 18 Nov 2019 12:14:42 +0800</pubDate>
        </item>
        <item>
            <title>annual salary in Malaysia</title>
            <link>http://forum.lowyat.net/topic/4865757</link>
            <description>is the salary range below correct?  for big mnc and glc&lt;br /&gt;&lt;br /&gt;ceo : 3 to 5 million &lt;br /&gt;&lt;br /&gt;managing director/ general manager/ cio /cfo : 1 to 3 miilion &lt;br /&gt;&lt;br /&gt;svp / evp / director  : 400k to 1 million</description>
            <author>timidandslow</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Sat, 16 Nov 2019 18:36:44 +0800</pubDate>
        </item>
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