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        <title>Lowyat.NET: Latest topics by ctpek</title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Mon, 29 Jun 2026 23:24:44 +0800</lastBuildDate>
        <generator>FeedCreator 1.7.2</generator>
        <item>
            <title>ayam scare</title>
            <link>http://forum.lowyat.net/topic/5174661</link>
            <description>kolik has meeting with boss just now and told us to prepare for possibility of paycut&lt;br /&gt;all this while cukur no paycut and has been on time for celery&lt;br /&gt;some of our kolik still steady and calm cz has part time job, business to cover&lt;br /&gt;seems like everyone has back up plan except me  &lt;!--emo&amp;:sweat:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/sweat.gif' border='0' style='vertical-align:middle' alt='sweat.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>ctpek</author>
            <category>Kopitiam</category>
            <pubDate>Mon, 26 Jul 2021 18:53:38 +0800</pubDate>
        </item>
        <item>
            <title>how many of you</title>
            <link>http://forum.lowyat.net/topic/5169765</link>
            <description>it seems like very common for everyone to work for more than one job in order to make a living&lt;br /&gt;most of us here has second job or various part time job to increase income&lt;br /&gt;does your part time job earn more than your full time? what you do for your part time?&lt;br /&gt;ayam used to be food rider and real estate agent...food rider is hard work can earn half of my FT job, estate is a bonus if able close 1-2 deals in a mth</description>
            <author>ctpek</author>
            <category>Kopitiam</category>
            <pubDate>Wed, 14 Jul 2021 17:55:16 +0800</pubDate>
        </item>
        <item>
            <title>catch up with bro but</title>
            <link>http://forum.lowyat.net/topic/5163691</link>
            <description>know my bro for more than 10 years so we are close and has many common interest&lt;br /&gt;so today he called me, thought just normal chat hence pick up as usual...&lt;br /&gt;fast forward he ask if I can borrow him 15k for his business...didn&amp;#39;t agree yet as I advice him to inquire loan but bank has been strict &lt;br /&gt;is there any other financial solution to help? he been a great fren as we usually makan minum no kira who pay so would really want to help out</description>
            <author>ctpek</author>
            <category>Kopitiam</category>
            <pubDate>Wed, 30 Jun 2021 18:37:58 +0800</pubDate>
        </item>
        <item>
            <title>slower recovery</title>
            <link>http://forum.lowyat.net/topic/5160101</link>
            <description>“It’s an absolutely great year to buy your first home, as well as upgrade and invest. The timing of the market is perfect. Just like buying stocks, it is best to buy when prices are low,” Ahyat aAhyat Ishak, founder of Pejuang Hartanah advised&lt;br /&gt;&lt;br /&gt;Siva Shanker, chief executive officer of Rahim &amp;amp; Co International Property Consultants had a similar point of view, advising those with the financial capacity to begin buying now rather than wait for 2022, as prices could go up by 2% to 5% by then.&lt;br /&gt;&lt;br /&gt;it makes sense to buy whn the price is low and for own stay it is positive...for invest, renting market now still performing?</description>
            <author>ctpek</author>
            <category>Kopitiam</category>
            <pubDate>Mon, 21 Jun 2021 16:38:03 +0800</pubDate>
        </item>
        <item>
            <title>is it a good opportunity?</title>
            <link>http://forum.lowyat.net/topic/5157940</link>
            <description>thought to get some opinion...sorry if not correct</description>
            <author>ctpek</author>
            <category>Serious Kopitiam</category>
            <pubDate>Tue, 15 Jun 2021 18:03:20 +0800</pubDate>
        </item>
        <item>
            <title>with mco 3.0</title>
            <link>http://forum.lowyat.net/topic/5152127</link>
            <description>with another mco that gonna start tmr, nearby house area alrd got few shops closing today&lt;br /&gt;just went to tapau and shop owner said to not suffer from another huge loss they decided to close biz&lt;br /&gt;kind of sad that seeing some of the shop close, suggested them to take biz loan and they tried but rejected&lt;br /&gt;1 of the traditional chinese medicine shop is closing as well, always bought old chinese ingredient with them and now gonna miss it&lt;br /&gt;what is other option available for biz owner in order to maintain their business?</description>
            <author>ctpek</author>
            <category>Kopitiam</category>
            <pubDate>Mon, 31 May 2021 14:51:24 +0800</pubDate>
        </item>
        <item>
            <title>is it good to start up a business?</title>
            <link>http://forum.lowyat.net/topic/5141616</link>
            <description>hi all, ayam approached by fren recently to start a biz together&lt;br /&gt;want to do f&amp;amp;b but due to mco started again, we are thinking to move it to online platform&lt;br /&gt;obviously there are few of us into this and plan to take up loan...would 20k/person enough?&lt;br /&gt;</description>
            <author>ctpek</author>
            <category>Kopitiam</category>
            <pubDate>Fri, 07 May 2021 15:49:22 +0800</pubDate>
        </item>
        <item>
            <title>samseng fans</title>
            <link>http://forum.lowyat.net/topic/5106884</link>
            <description>&lt;a href='https://shp.ee/q7zwybj' target='_blank'&gt;A51&lt;/a&gt;&lt;br /&gt;&lt;a href='https://pictr.com/image/7JvHAV' target='_blank'&gt;&lt;img src='https://pictr.com/images/2021/02/22/7JvHAV.png' border='0' alt='user posted image' /&gt;&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;thinking to buy this as my third phone just for work purpose like checking emails, conference calls, replying messages&lt;br /&gt;the A series is gooding right? i mean if just pick any of it and somehow come across this</description>
            <author>ctpek</author>
            <category>Kopitiam</category>
            <pubDate>Mon, 22 Feb 2021 14:58:32 +0800</pubDate>
        </item>
        <item>
            <title>factor that decide your property purchase</title>
            <link>http://forum.lowyat.net/topic/5097843</link>
            <description>what is your priority whn purchasing a house?&lt;br /&gt;just asking if you are working in KL will you purchase a house that slightly more far due to some factor?</description>
            <author>ctpek</author>
            <category>Property Q&amp;amp;A</category>
            <pubDate>Wed, 03 Feb 2021 15:41:30 +0800</pubDate>
        </item>
        <item>
            <title>realme vs xiaomi</title>
            <link>http://forum.lowyat.net/topic/5094264</link>
            <description>between these 2 phones which is better?&lt;br /&gt;&lt;br /&gt;both is 5g altho this is not main point as 5g alrd postponed lol&lt;br /&gt;realme x7 pro seems only have 8+256 variant whn ayam check the launch ytd&lt;br /&gt;price both is the same except realme giving a rm50 off for nx week official sales&lt;br /&gt;10t pro batt slightly bigger, other just neck to neck&lt;br /&gt;&lt;br /&gt;which to go for?</description>
            <author>ctpek</author>
            <category>Kopitiam</category>
            <pubDate>Wed, 27 Jan 2021 15:02:24 +0800</pubDate>
        </item>
        <item>
            <title>which tv is better option?</title>
            <link>http://forum.lowyat.net/topic/5091125</link>
            <description>planning to get a 65 inch tv since is CNY hence surveying if any great deal around&lt;br /&gt;eyeing on LG CX, Sony 4k Oled and Samsung models...what is the best deal u ever get with it?&lt;br /&gt;do share with me&amp;#33; thanks advance k</description>
            <author>ctpek</author>
            <category>Kopitiam</category>
            <pubDate>Thu, 21 Jan 2021 15:14:35 +0800</pubDate>
        </item>
        <item>
            <title>which internet line or fibre?</title>
            <link>http://forum.lowyat.net/topic/5090602</link>
            <description>should ayam get proper ISP or fibre since staying at rental home, home owner prev subscribe to unifi but since he relocated hence he took it with him&lt;br /&gt;will it be better for me to get fibre since ayam single? anyone heard of viewqwest? &lt;br /&gt;any suggestion is welcome</description>
            <author>ctpek</author>
            <category>Kopitiam</category>
            <pubDate>Wed, 20 Jan 2021 14:53:51 +0800</pubDate>
        </item>
        <item>
            <title>which credit card</title>
            <link>http://forum.lowyat.net/topic/5089659</link>
            <description>hi k, just want to know which credit card that you hold? any reason to sign up for certain cc like due to cashback, rebates, rewards?&lt;br /&gt;planning to get one but not sure which cc is suitable</description>
            <author>ctpek</author>
            <category>Kopitiam</category>
            <pubDate>Mon, 18 Jan 2021 16:01:13 +0800</pubDate>
        </item>
        <item>
            <title>which credit card?</title>
            <link>http://forum.lowyat.net/topic/5089643</link>
            <description>hi all, just curious which credit card that you guys have?&lt;br /&gt;what is the reason you subscribe to that particular card? rebates, weekend deals, cashback?&lt;br /&gt;mind to share which card you hold and why getting it?</description>
            <author>ctpek</author>
            <category>Credit Cards, Debit Cards, Prepaid Cards and Loyalty Cards</category>
            <pubDate>Mon, 18 Jan 2021 15:46:03 +0800</pubDate>
        </item>
        <item>
            <title>samsung s21</title>
            <link>http://forum.lowyat.net/topic/5088201</link>
            <description>ok so the new phone launch has clear all rumor that prev said&lt;br /&gt;besides those minus point, what is the thing that you look forward to it?&lt;br /&gt;ayam do look forward for new chipset performance, gonna wait for review before buy&lt;br /&gt;spen also nice so no need rely on note as ayam prefer flat screen thn curve</description>
            <author>ctpek</author>
            <category>Kopitiam</category>
            <pubDate>Fri, 15 Jan 2021 14:34:34 +0800</pubDate>
        </item>
        <item>
            <title>how is your parcel?</title>
            <link>http://forum.lowyat.net/topic/5076738</link>
            <description>since k always say nothing is best, let&amp;#39;s go for worst hahaha&lt;br /&gt;how many of you still waiting for your parcel to reach since 1212&lt;br /&gt;average time of delivery?&lt;br /&gt;&lt;br /&gt;lately for my experience, there this chinese man that deliver my parcel all at once although im buying from different seller with different courier service...so far poslaju, j&amp;amp;t and ninja van works fine for me, no late or lost parcel cukur&lt;br /&gt;&lt;br /&gt;any parcel lost or damage? come and share&amp;#33;</description>
            <author>ctpek</author>
            <category>Kopitiam</category>
            <pubDate>Wed, 23 Dec 2020 16:28:58 +0800</pubDate>
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