Lowyat.NET: Latest topics by pekkachu

JPJ suspends online vehicle ownership transfers

pekkachu — Mon, 25 May 2026 15:04:44 +0800

https://www.malaymail.com/news/malaysia/202...mplaints/221259

what is the rental rate nowadays

pekkachu — Tue, 23 Dec 2025 09:20:04 +0800

preferably for two within Klang Valley.. any idea..?

How Influencer like Beautrice Mok became so rich..

pekkachu — Fri, 12 Dec 2025 15:40:23 +0800

I thought she had some issues with beauty products and caused many people including babies and pregnant ladies to suffer from skin problems? how come now she can easily get away already? somemore with so many existing fans.. then the candyball also.. end up also botaiji one.. do they pay tax or not..

Work for whole life just to retire in peacefully

pekkachu — Tue, 02 Dec 2025 23:06:51 +0800

What’s life..

Year End is here... BONUS?

pekkachu — Tue, 04 Nov 2025 15:42:53 +0800

Any comment / news about bonus payout? come & show off

Fortune Teller

pekkachu — Tue, 04 Nov 2025 11:41:06 +0800

does anyone look for fortune teller to give advice for career or marriage advice? any recommendations?

Bandar Utama Stabbing Case

pekkachu — Thu, 23 Oct 2025 15:35:38 +0800

"I know someone did lose their life, but in my view, given the accused’s circumstances, he too is a victim." - Kitson Foong, Criminal Lawyer

Work & Travel

pekkachu — Tue, 21 Oct 2025 13:46:39 +0800

Come.. share your opinion on which country is best for Malaysians for work & travel..?

thank you in advance!

GentingM shares suspended..?

pekkachu — Mon, 13 Oct 2025 18:04:13 +0800

Share your comments on the delisting of GentingM shares from Bursa Malaysia

Free RM50/month for those who are single in 2026?

pekkachu — Mon, 13 Oct 2025 12:42:50 +0800

let us know your thoughts! Enough..? Better than nothing...?

Should I buy gold now…?

pekkachu — Sun, 12 Oct 2025 00:36:25 +0800

come… throw me your opinion… it matters

EPF 2026

pekkachu — Fri, 10 Oct 2025 16:08:55 +0800

Starting 2026, EPF members can only withdraw “excess savings” if their account balance exceeds RM1.1 million.
The threshold will increase again to RM1.2 million in 2027 and RM1.3 million in 2028.

EPF says it’s part of their new Retirement Income Adequacy (RIA) framework, supposedly to ensure members “don’t run out of money” in old age. But in reality, most Malaysians can’t even come close to that amount.

According to EPF’s own data, 35% of members aged 54 have less than RM10,000 in savings & only around 2% have more than RM1 million.

So basically, this “excess savings” withdrawal only applies to the rich few, the rest of us can just watch.

We’re out here earning RM3k–RM4k a month, paying rent, bills, and groceries that keep going up, and they expect us to hit RM1.1 million before we can touch our own money?

Feels like they just want to make it impossible for us to withdraw, while pretending it’s for our “retirement protection.”

Not saying everyone should drain their EPF early... but let’s be real, these thresholds are out of touch with reality. Median salary’s around RM3,000, fresh grads barely earn RM2.5k, and even mid-level workers can’t save that much with current living costs.

We’re basically cheap labour with expensive expectations.

Instead of raising withdrawal limits for the rich, maybe fix the low wage system first.

Retrenchment Benefits in Malaysia

pekkachu — Thu, 09 Oct 2025 11:11:01 +0800

Guys..

Lately I’ve been hearing more cases of restructuring and retrenchment, especially in bigger companies. Just wondering... for those who’ve been through it before, how much did you all get as ex-gratia or retrenchment benefits?

From what I understand, under the Employment Act 1955 (as at 1 Jan 2023), anyone earning more than RM4,000/month is not covered under Section 60J, which means technically the company doesn’t have to pay retrenchment benefits. So whatever ex-gratia they give is more of a goodwill gesture.

I’m curious what’s the general practice out there, like how many months’ pay per year of service, or was it just a lump sum? And which industry were you in when it happened?

Trying to get a rough idea of what’s considered “fair” nowadays. Appreciate if you guys can share your experiences. 🙏

Why do people still go to Singapore? You earn more

pekkachu — Wed, 08 Oct 2025 13:04:44 +0800

Lately I’ve been seeing a lot of news about old people dying alone in HDB flats in Singapore.

Honestly it feels quite sad… they worked their whole life, but end up passing away quietly, nobody even noticed until days later. Makes me think... is that really the kind of “success” people want?

I know the pay there is good, and many Malaysians go there to work, earn SGD, send money home, etc. But at what cost? You earn more, but life there is so fast-paced, stressful, and lonely.

Is it really worth it?

Why do people still go to Singapore when the quality of life (mentally and emotionally) seems so tough?

Curious to hear from those who’ve actually lived or worked there... are you genuinely happy, or just surviving because of the money?

Not trying to bash or anything, just want honest opinions.

What do you all think?

Is MLM Still Working in 2025? Anyone Here Still Ma

pekkachu — Wed, 08 Oct 2025 12:55:40 +0800

Hi guys,

Just curious... is MLM (multi-level marketing) still working these days in Malaysia? I remember years ago there were tons of companies promoting health supplements, skincare, water filters, etc., with people saying they could earn 4–5 figures a month.

But lately I don’t hear much about it anymore.

A few questions for those with experience:

1) Is MLM still a viable income source in 2025, or has it mostly died out?
2) What kind of average income does a newbie usually make nowadays (realistically, not marketing talk)?
3) Are there still legitimate MLMs operating, or mostly scams / pyramid-style schemes now?
4) What’s your personal experience, did you actually make profit, or lose money in the end?
5) If MLM isn’t working anymore, what other side-income options are people doing now instead?

Not trying to bash or promote anything... just want honest, real-world opinions from those who’ve tried.

Thanks in advance!

Legal Job

pekkachu — Tue, 23 Jun 2020 23:08:55 +0800

I would like to know how much can a legal advisor earn per month with less than a year experience? I do not know if I should pursue studies and even if I do, I am looking at the legal industry. However, I do not intend to practice. I know I'm ridiculous but I heard it is the norm in legal industry. Hehe advice pls..