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        <title>Lowyat.NET: Latest topics by 3Tree</title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Sun, 14 Jun 2026 09:29:32 +0800</lastBuildDate>
        <generator>FeedCreator 1.7.2</generator>
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            <title>Which is better to reduce commitment?</title>
            <link>http://forum.lowyat.net/topic/5500400</link>
            <description>Hi,&lt;br /&gt;&lt;br /&gt;I would like to clear my house/car loan asap, and have some cash to settle/reduce but cant decide which of the option is better financially.&lt;br /&gt;&lt;br /&gt;&lt;u&gt;Option 1&lt;/u&gt;&lt;br /&gt;- Settle Car Loan &lt;br /&gt;- Reduce Housing Loan &lt;br /&gt;= Monthly commitment becomes eg. +-RM1000&lt;br /&gt;&lt;br /&gt;&lt;u&gt;Option 2&lt;/u&gt;&lt;br /&gt;- No reduce Car Loan&lt;br /&gt;- Reduce Housing Loan higher amount&lt;br /&gt;= Monthly commitment becomes eg. +-RM1300&lt;br /&gt;&lt;br /&gt;-Not interested in investment yadda2 as my goal is to clear my housing loan in 2 years&lt;br /&gt;</description>
            <author>3Tree</author>
            <category>Finance, Business and Investment House</category>
            <pubDate>Fri, 20 Dec 2024 00:11:04 +0800</pubDate>
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            <title>4k Monitor Budget Recommendation</title>
            <link>http://forum.lowyat.net/topic/5476735</link>
            <description>Hi Sifus, please recommend budget 4k monitor.&lt;br /&gt;&lt;br /&gt;Was thinking to get Xiaomi, but there&amp;#39;s no 4k monitor.&lt;br /&gt;&lt;br /&gt;Usage:&lt;br /&gt;- Browse Internet / Youtube / Netflix&lt;br /&gt;- Dual HDMI link to Console for Gaming (Switch input)&lt;br /&gt;&lt;br /&gt;Budget: &amp;lt; RM1.5k</description>
            <author>3Tree</author>
            <category>Monitor Discussions</category>
            <pubDate>Sun, 18 Aug 2024 20:45:29 +0800</pubDate>
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            <title>Unifi vs Digi Fibre</title>
            <link>http://forum.lowyat.net/topic/0</link>
            <description></description>
            <category>Telco Talk</category>
            <pubDate>Thu, 01 Jan 1970 07:30:00 +0800</pubDate>
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            <title>Unifi vs Digi Fibre</title>
            <link>http://forum.lowyat.net/topic/5367154</link>
            <description>My unifi contract ended, and live chat told me no special promotion to renew contract so am looking for better value fibre.&lt;br /&gt;&lt;br /&gt;Currently on RM129 100mbps Unifi plan, thinking of switching to Digi Rm100 300mbps.&lt;br /&gt;&lt;br /&gt;Is it better to remain on unifi or port out?&lt;br /&gt;&lt;br /&gt;Usage (2 ppl)&lt;br /&gt;- Tv streaming eg. Netflix/Disney hotstar&lt;br /&gt;- Download console games heavy  &amp;gt; 40gb&lt;br /&gt;- Ocassionally work from home</description>
            <author>3Tree</author>
            <category>Networks and Broadband</category>
            <pubDate>Sat, 25 Mar 2023 04:03:45 +0800</pubDate>
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            <title>Political Twitter Increase Decrease Followers</title>
            <link>http://forum.lowyat.net/topic/5267700</link>
            <description>[YOUTUBE]3ZTHLqlaPtc[/YOUTUBE]&lt;br /&gt;&lt;br /&gt;Political Twitter Sees Suspicious Shifts In Follower Count</description>
            <author>3Tree</author>
            <category>Kopitiam</category>
            <pubDate>Sat, 30 Apr 2022 23:08:22 +0800</pubDate>
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            <title>Must watch KATE (2021)</title>
            <link>http://forum.lowyat.net/topic/5193840</link>
            <description>[YOUTUBE]MysGjRS9jFU[/YOUTUBE]&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt; &lt;!--emo&amp;:drool:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/drool.gif' border='0' style='vertical-align:middle' alt='drool.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:drool:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/drool.gif' border='0' style='vertical-align:middle' alt='drool.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:drool:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/drool.gif' border='0' style='vertical-align:middle' alt='drool.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:drool:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/drool.gif' border='0' style='vertical-align:middle' alt='drool.gif' /&gt;&lt;!--endemo--&gt;   &lt;!--emo&amp;:bruce:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/bruce.gif' border='0' style='vertical-align:middle' alt='bruce.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>3Tree</author>
            <category>Kopitiam</category>
            <pubDate>Sun, 12 Sep 2021 07:07:25 +0800</pubDate>
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            <title>Greedy Shopee or Shop?</title>
            <link>http://forum.lowyat.net/topic/5193453</link>
            <description>Why the shipping fees so weird? Seller got take profit from shipping fees?&lt;br /&gt;&lt;br /&gt;Take a look at 500g item x1, x2, x3&lt;br /&gt;&lt;br /&gt;Shop 1&lt;br /&gt;&lt;br /&gt;&lt;a href='https://pictr.com/image/BSYPlB' target='_blank'&gt;&lt;img src='https://pictr.com/images/2021/09/10/BSYPlB.md.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;&lt;br /&gt;&lt;a href='https://pictr.com/image/BSYBrP' target='_blank'&gt;&lt;img src='https://pictr.com/images/2021/09/10/BSYBrP.md.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;&lt;br /&gt;&lt;a href='https://pictr.com/image/BSY5RG' target='_blank'&gt;&lt;img src='https://pictr.com/images/2021/09/10/BSY5RG.md.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;Shop 2&lt;br /&gt;&lt;a href='https://pictr.com/image/BSY0fc' target='_blank'&gt;&lt;img src='https://pictr.com/images/2021/09/10/BSY0fc.md.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;&lt;br /&gt;&lt;a href='https://pictr.com/image/BSMDsn' target='_blank'&gt;&lt;img src='https://pictr.com/images/2021/09/10/BSMDsn.md.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;&lt;br /&gt;&lt;a href='https://pictr.com/image/BSYEYj' target='_blank'&gt;&lt;img src='https://pictr.com/images/2021/09/10/BSYEYj.md.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;</description>
            <author>3Tree</author>
            <category>Kopitiam</category>
            <pubDate>Fri, 10 Sep 2021 22:23:07 +0800</pubDate>
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            <title>Wow</title>
            <link>http://forum.lowyat.net/topic/5188554</link>
            <description>I dont know why, all the years that FF14 came out I have always assume it&amp;#39;s turn based game with multiplayer function.&lt;br /&gt;&lt;br /&gt;Then stumbled upon Asmongold controversy video and watch FF14 gameplay, looks good yo. Tested out today on trial and game feels polished.</description>
            <author>3Tree</author>
            <category>Final Fantasy XIV</category>
            <pubDate>Sun, 29 Aug 2021 21:27:06 +0800</pubDate>
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            <title>Anyone receiving weird PM on Binance?</title>
            <link>http://forum.lowyat.net/topic/5177927</link>
            <description>Hi, Anyone received this kind PM? Sketchy? (2nd picture)&lt;br /&gt;&lt;br /&gt;&lt;a href='https://pictr.com/image/BrEKQj' target='_blank'&gt;&lt;img src='https://pictr.com/images/2021/08/03/BrEKQj.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/BrEXsl' target='_blank'&gt;&lt;img src='https://pictr.com/images/2021/08/03/BrEXsl.md.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;</description>
            <author>3Tree</author>
            <category>Bitcoin &amp;amp; Cryptocurrencies</category>
            <pubDate>Tue, 03 Aug 2021 20:19:23 +0800</pubDate>
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            <title>Biden Orders check Covid-19 Origin</title>
            <link>http://forum.lowyat.net/topic/5150832</link>
            <description>&lt;b&gt;Biden Orders Intelligence Inquiry Into Origins of Virus&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;U.S. President Joe Biden ordered aides to find answers to the origin of the virus that causes COVID-19, saying on Wednesday that U.S. intelligence agencies are pursuing rival theories potentially including the possibility of a laboratory accident in China.&lt;br /&gt;&lt;br /&gt;The initial WHO study was “insufficient and inconclusive,” the U.S. mission to the U.N. in Geneva said in a statement on Thursday, calling for what it called a timely, transparent and evidence-based second probe to be conducted, including in China.&lt;br /&gt;&lt;br /&gt;“It is critical that China provides independent experts full access to complete, original data and samples relevant to understanding the source of the virus and the early stages of the pandemic,” the U.S. statement said.&lt;br /&gt;&lt;br /&gt;China, through remarks by a representative at its embassy in the United States, said on Thursday it supported “a comprehensive study of all early cases of COVID-19 found worldwide and a thorough investigation into some secretive bases and biological laboratories all over the world.”&lt;br /&gt;&lt;br /&gt;Sos: &lt;a href='https://indianexpress.com/article/world/us-urges-who-to-carry-out-second-phase-of-virus-origin-study-in-china-7333683/' target='_blank'&gt;https://indianexpress.com/article/world/us-...-china-7333683/&lt;/a&gt;</description>
            <author>3Tree</author>
            <category>Kopitiam</category>
            <pubDate>Fri, 28 May 2021 13:20:01 +0800</pubDate>
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        <item>
            <title>Chronology event Israel Vs Palestine</title>
            <link>http://forum.lowyat.net/topic/5145101</link>
            <description>&lt;img src='https://cdn.statcdn.com/Infographic/images/normal/16516.jpeg' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;Knowing /k, probably is happy one side is having high casualties  &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;&lt;br /&gt;Here&amp;#39;s the chronology event;&lt;br /&gt;&lt;b&gt;&lt;br /&gt;Before Christ:&lt;/b&gt; Israelite King Solomon built a temple in Jerusalem for Jewish people. It remains the holiest site for them. Those were times of empire building and Jerusalem was invaded by Egyptian and later Roman campaigners who attacked that temple. In 70 BC, Romans destroyed a reconstructed temple built at the Jerusalem site. Jewish people fled in large numbers during these centuries.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;7th Century:&lt;/b&gt; Islamic Caliphate army took control of Jerusalem. Flight of the Jewish people continued for centuries. Europe, particularly in and around Germany, got the biggest population of Jews.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;19th Century:&lt;/b&gt; Zionist movement was launched with appeal for the return of Jews to Israel or Palestine as it was known.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Post-World War-I:&lt;/b&gt; &lt;u&gt;Defeat of Germany in the war (1914-19) saw the rise of Adolf Hitler, who blamed Jews for the country’s defeat.&lt;/u&gt; He expanded Germany and Jews were persecuted in areas he controlled. In the post-war settlement, Britain was given the mandate for Palestine and Trans-Jordan (areas including Israel, West Bank and Gaza). Jewish immigration to Israel gained pace.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Post-World War-II (1939-45):&lt;/b&gt; With the &lt;u&gt;support from the US and the UK, Jews created the state of Israel in 1948.&lt;/u&gt; The declaration came after &lt;u&gt;Jews failed to sign a deal with Arabs for carving out a separate state from Palestine.&lt;/u&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;1948:&lt;/b&gt; First Israel-Arab war began after the Britain’s mandate ended and it lifted its control. Arab countries sided with Palestine, but the war ended with Israel, backed by the US, controlling large area for its nation. Estimated 7 lakh Palestinians lost their homes and became refugees.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;1956:&lt;/b&gt; Second Israel-Arab war began after Egypt announced nationalisation of the Suez Canal, an important trade route. Israel invaded Egypt, got support from Britain and France. The US and erstwhile USSR brokered a deal to end the war.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;1964:&lt;/b&gt; Palestinians organised themselves under the Palestinian Liberation Organisation (PLO) for struggle against Israel.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;1967:&lt;/b&gt; Six-Day War took place in which Israel defeated Egypt, Jordan and Syria. Israel took control of the Gaza Strip, the West Bank, Sinai Peninsula, the Golan Heights and East Jerusalem, the area from where latest series of violence began. More than 2.50 lakh Palestinians were displaced.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;1973:&lt;/b&gt; Arab nations formed a coalition to attack Israel. &lt;u&gt;It suffered losses but recovered after receiving supplies from the US.&lt;/u&gt; The war led to massive oil crisis.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;1978:&lt;/b&gt; The US brokered a peace deal between Israel and Egypt. Settling the question of Palestine was part of the deal what came to be known as Camp David Accord. It was never implemented.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;1987:&lt;/b&gt; First Palestinian Intifada was launched. Intifada means uprising or rebellion. Protests and clashes continued for years in Gaza, the West Bank and inside Israel. Many people died and scores injured during the Intifada.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;1991:&lt;/b&gt; Israel begins peace talks with Palestinian leaders, Syria, Lebanon and Jordan in Spain — Madrid Conference.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;1993:&lt;/b&gt; First major breakthrough was achieved. Israel and the PLO signed what is called the Oslo Peace Accord. It was backed by the United Nations.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;1994:&lt;/b&gt; A follow-up deal was signed, called the Cairo Agreement between Israel and the PLO. The agreements created the Palestinian Authority which was given the charge of administrative affairs in the West Bank and Gaza. Question of Israeli settlements in the West Bank, and status of Jerusalem remained unresolved. Both Israel and Palestine view Jerusalem as their future capital.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;1995:&lt;/b&gt; Israel’s Prime Minister Yitzhak Rabin was assassinated. Palestinian Authority was blamed.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;2000:&lt;/b&gt; Second Palestinian Intifada was launched. Clashes erupted after Israeli hardliner Aerial Sharon visited the compound that houses both the Temple Mount and Al-Aqsa, the site of current violence.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;2002:&lt;/b&gt; Palestinian militant group Hamas launched first major suicide attack killing at least 30 Israelis. Israel later conducted an operation to took control of much of the West Bank.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;2006:&lt;/b&gt; Hamas won election in Gaza emerging as a political challenger to Fatah party that was moderate and had won in the West Bank.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;2008: &lt;/b&gt;Palestinian militants fired rockets into Israel, which responded by pummelling missiles into the Palestinian territory. More than 1,100 Palestinians lost their lives, 13 Israeli soldiers were killed.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;2012:&lt;/b&gt; Another round of rocket fire between Israel and Palestine. Israel killed Hamas military chief in attack.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;2014:&lt;/b&gt; A seven-week fight ensued after Hamas allegedly kidnapped three Israeli girls from a Jewish settlement in the West Bank and killed them. More than 2,000 Palestinians lost their lives. Israel reported 73 deaths including civilian casualties.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;2015:&lt;/b&gt; Seeking re-election, Israeli Prime Minister Benjamin Netanyahu declared that there would be no two-state solution to Israel-Palestine question.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;2017: &lt;/b&gt;The Donald Trump administration of the US recognised Jerusalem as the capital of Israel and announced shifting of its embassy from Tel Aviv to this city. The decision saw fresh protests and clashes in the West Bank and Gaza.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;2018:&lt;/b&gt; Clashes continued for several months between Palestinian protesters and Israeli security forces. Rocks, bombs and rockets were exchanged. Many died.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;2021:&lt;/b&gt; &lt;u&gt;Israel barricades Damascus Gate Plaza in the East Jerusalem on April 12. It is a popular gathering place for Palestinians during Ramzan&lt;/u&gt;. Protests broke out. On April 16, Israel limits the number of people who can prayer at Al-Aqsa — considered the third holiest mosque in Islam — in East Jerusalem to 10,000 people. Clashes erupt and spreads to Gaza and the West Bank.&lt;br /&gt;&lt;br /&gt;SOS: &lt;a href='https://www.indiatoday.in/world/story/chronology-samajhiye-dummy-s-guide-israel-palestine-conflict-1802646-2021-05-14' target='_blank'&gt;https://www.indiatoday.in/world/story/chron...2646-2021-05-14&lt;/a&gt;</description>
            <author>3Tree</author>
            <category>Kopitiam</category>
            <pubDate>Sun, 16 May 2021 05:59:09 +0800</pubDate>
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            <title>Malaysia Cyber-Attack Ranking</title>
            <link>http://forum.lowyat.net/topic/5144688</link>
            <description>&lt;img src='https://i.ibb.co/FmBRNS4/185056097-2538385662973479-4494755832229327848-n.jpg' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;&lt;img src='https://i.ibb.co/s23ZJQQ/185211922-2538385689640143-2835760503369031117-n.jpg' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;Not bad Malaysia &lt;!--emo&amp;:thumbs:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/thumbup.gif' border='0' style='vertical-align:middle' alt='thumbup.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>3Tree</author>
            <category>Kopitiam</category>
            <pubDate>Sat, 15 May 2021 06:28:52 +0800</pubDate>
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        <item>
            <title>LUNO Charges so much</title>
            <link>http://forum.lowyat.net/topic/5139325</link>
            <description>So, I just realized LUNO is charging so much to buy coins.&lt;br /&gt;&lt;br /&gt;Eg.&lt;br /&gt;&lt;br /&gt;Current rate=10/MYR&lt;br /&gt;&lt;br /&gt;RM50 is at BTC 1=10MYR + 2% fees&lt;br /&gt;RM100 is at BTC 1=10MYR + 2% fees&lt;br /&gt;Other is at BTC 1=10.2MYR + 2% fees&lt;br /&gt; &lt;br /&gt;So in order to not make losses after purchase, you need around ~(2%+3%) increase. Additional for profits.</description>
            <author>3Tree</author>
            <category>Bitcoin &amp;amp; Cryptocurrencies</category>
            <pubDate>Sun, 02 May 2021 05:54:55 +0800</pubDate>
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        <item>
            <title>Manga going downhill</title>
            <link>http://forum.lowyat.net/topic/5124226</link>
            <description>Is it me or is Manga is going downhill?&lt;br /&gt;&lt;br /&gt;Webtoon/Manhwa now has better plot and storyline&lt;br /&gt;&lt;br /&gt;Manga is now.. left right top bottom Isekai Isekai Isekai Isekai OP god skill</description>
            <author>3Tree</author>
            <category>Anime Shrine</category>
            <pubDate>Sat, 27 Mar 2021 22:56:39 +0800</pubDate>
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        <item>
            <title>Fibre Alternative</title>
            <link>http://forum.lowyat.net/topic/5099640</link>
            <description>For new housing areas with no internet fibre, what are the good internet alternatives (broadband/prepaid/postpaid)?&lt;br /&gt;&lt;br /&gt;EDIT:&lt;br /&gt;&lt;br /&gt;That was fast, after multiple call with &lt;b&gt;TM now able port available and currently installing,&lt;/b&gt; happy but wasted purchasing router TP Link Archer MR600 v2  &lt;!--emo&amp;:o--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/ohmy.gif' border='0' style='vertical-align:middle' alt='ohmy.gif' /&gt;&lt;!--endemo--&gt; .&lt;br /&gt;&lt;br /&gt;Welp, terminating my Digi Infinite 150 this week I guess.&lt;br /&gt;&lt;br /&gt;Below my Archer MR600 + Digi Infinite 150 for 17 Days &lt;!--emo&amp;:mega_shok:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/mega_shok.gif' border='0' style='vertical-align:middle' alt='mega_shok.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;&lt;a href='https://pictr.com/image/7yrCNG' target='_blank'&gt;&lt;img src='https://pictr.com/images/2021/03/10/7yrCNG.png' border='0' alt='user posted image' /&gt;&lt;/a&gt;</description>
            <author>3Tree</author>
            <category>Networks and Broadband</category>
            <pubDate>Sun, 07 Feb 2021 04:57:11 +0800</pubDate>
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