<?xml version="1.0" encoding="utf-8"?>
<!-- generator="FeedCreator 1.7.2" -->
<rss version="2.0">
    <channel>
        <title>Lowyat.NET: Latest topics by cyxnide</title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Thu, 11 Jun 2026 10:42:04 +0800</lastBuildDate>
        <generator>FeedCreator 1.7.2</generator>
        <item>
            <title>Henry&amp;#39;s Creative Journey</title>
            <link>http://forum.lowyat.net/topic/5314972</link>
            <description>Hi guys&amp;#33;&lt;br /&gt;&lt;br /&gt;I&amp;#39;ve actually started this YT channel several years ago, but I only really uploaded Vocaloid / SynthV covers.&lt;br /&gt;Now that I&amp;#39;ve gotten into photography, I&amp;#39;ve decided that I will start taking YT a little bit more seriously this time around.&lt;br /&gt;&lt;br /&gt;I plan on making photography POVs and maybe some vlog / commentary-style content in the near future.&lt;br /&gt;&lt;br /&gt;So far I have only made a few photography shorts, and also tried talk in front of the camera for the first time ever in my life...&lt;br /&gt;&lt;br /&gt;[YOUTUBE]xmGu_isDUds[/youtube]&lt;br /&gt;&lt;br /&gt;Let me know what you guys think&amp;#33;&lt;br /&gt;&lt;br /&gt;And here&amp;#39;s my most viewed shorts for some reason...&lt;br /&gt;&lt;br /&gt;[YOUTUBE]pNPLQxx1bPg[/youtube]&lt;br /&gt;&lt;br /&gt;</description>
            <author>cyxnide</author>
            <category>LYN Content Creators, Streamers &amp;amp; Youtubers</category>
            <pubDate>Tue, 04 Oct 2022 08:59:13 +0800</pubDate>
        </item>
        <item>
            <title>[WTS] Sony 16mm f/2.8 SEL16F28 Pancake Lens</title>
            <link>http://forum.lowyat.net/topic/5313253</link>
            <description>&lt;b&gt;Item(s): Sony 16mm f/2.8 SEL16F28 Pancake Lens &lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Package includes: Lens itself + Rear and front cap&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Price:&lt;/b&gt; RM400 &lt;span style='color:red'&gt;(&amp;#33;&amp;#33;&amp;#33;NOTICE&amp;#33;&amp;#33;&amp;#33;: Sellers are required to display the exact selling prices of their products. Failure to do so will result in the deletion of the topic)&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Warranty: N/A&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Dealing method: Preferred meetup deal at Johor Bahru, postage available too.&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Location: Johor Bahru&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Contact method/details: PM&lt;/b&gt;&lt;br /&gt;---&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Item(s) conditions: Used (Like New)&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Picture: &lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='https://pictr.com/image/E7k4nJ' target='_blank'&gt;&lt;img src='https://pictr.com/images/2022/09/28/E7k4nJ.md.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;&lt;br /&gt;&lt;a href='https://pictr.com/image/E7knZZ' target='_blank'&gt;&lt;img src='https://pictr.com/images/2022/09/28/E7knZZ.md.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;&lt;br /&gt;&lt;a href='https://pictr.com/image/E7kVyY' target='_blank'&gt;&lt;img src='https://pictr.com/images/2022/09/28/E7kVyY.md.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;&lt;br /&gt;&lt;a href='https://pictr.com/image/E7k8en' target='_blank'&gt;&lt;img src='https://pictr.com/images/2022/09/28/E7k8en.md.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Reason for sale: Funding for 35mm Prime Lens&lt;/b&gt;</description>
            <author>cyxnide</author>
            <category>Digital SLRs &amp;amp; Lenses Garage Sales</category>
            <pubDate>Wed, 28 Sep 2022 11:52:20 +0800</pubDate>
        </item>
        <item>
            <title>Buying things from E-Bay</title>
            <link>http://forum.lowyat.net/topic/5310621</link>
            <description>Hi guys, &lt;br /&gt;&lt;br /&gt;Would just like to ask all the otai2 here if any of you have had experience with buying things from e-bay?&lt;br /&gt;I&amp;#39;m interested in purchasing a used camera on e-bay and was wondering if + the shipping and taxes will be worth it?&lt;br /&gt;&lt;br /&gt;Or if there are any taxes at all?&lt;br /&gt;&lt;br /&gt;Thanks in advance&amp;#33;&lt;br /&gt;&lt;br /&gt;&lt;a href='https://ibb.co/Kyh2MPW' target='_blank'&gt;&lt;img src='https://i.ibb.co/ZTXBnjx/image.png' border='0' alt='user posted image' /&gt;&lt;/a&gt;</description>
            <author>cyxnide</author>
            <category>Serious Kopitiam</category>
            <pubDate>Mon, 19 Sep 2022 10:38:02 +0800</pubDate>
        </item>
        <item>
            <title>Canon 80-200mm f4.5-5.6</title>
            <link>http://forum.lowyat.net/topic/5307879</link>
            <description>So I suddenly have the urge to sell off my current 80-200mm f4.5-5.6 USM telephoto zoom lens in order to fund my nifty-fifty purchase...&lt;br /&gt;&lt;br /&gt;But I just don&amp;#39;t know how much can I sell it for and would it be worth it to just keep it and buy the 50mm separately.&lt;br /&gt;I&amp;#39;m on a pretty tight budget so if possible I wanna minimize my spending on gear first as I try to save up for a more modern camera in the near future.&lt;br /&gt;&lt;br /&gt;Any feedback / opinions will be highly appreciated&amp;#33;&lt;br /&gt;&lt;br /&gt;Thanks in advance&amp;#33;</description>
            <author>cyxnide</author>
            <category>Photography, Digital Imaging &amp;amp; Video</category>
            <pubDate>Fri, 09 Sep 2022 10:24:30 +0800</pubDate>
        </item>
        <item>
            <title>Iriz 2019 - Apple CarPlay</title>
            <link>http://forum.lowyat.net/topic/5298920</link>
            <description>Hi guys, would like to ask if its possible for the HU in the 2019 Iriz Premium use the &lt;a href='https://shopee.com.my/%E2%9C%88Free-Shipping%E2%9C%88-apple-carplay-Carlinkit-Wired-Dongle-Android-Auto-Carplay-Smart-Link-USB-Dongle-Adapter-for-Navigation-i.516513800.20700851130?sp_atk=53ad9856-5169-4b19-98ae-808e7b1c0b18&amp;xptdk=53ad9856-5169-4b19-98ae-808e7b1c0b18' target='_blank'&gt;Carlinkit &lt;/a&gt; apple carplay adapter?&lt;br /&gt;&lt;br /&gt;Cus IIRC the HU in question is actually running android, so am wondering if its possible to sideload the APK and use the adapter for Apple Carplay?&lt;br /&gt;&lt;br /&gt;&lt;a href='https://pictr.com/image/BD0wkv' target='_blank'&gt;&lt;img src='https://pictr.com/images/2022/08/10/BD0wkv.md.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;</description>
            <author>cyxnide</author>
            <category>The Fast &amp;amp; The Furious</category>
            <pubDate>Wed, 10 Aug 2022 11:14:44 +0800</pubDate>
        </item>
        <item>
            <title>How do I build my credit score...</title>
            <link>http://forum.lowyat.net/topic/5297426</link>
            <description>So after getting rejected by several banks for a used car loan (20k loan), I decided to try and get a credit card instead to try and build my currently blank CCRIS report.&lt;br /&gt;&lt;br /&gt;For context, I earn about 3k gross per month, and have no loan (no ptptn / car / housing) so this would be my first time trying to get a credit card.&lt;br /&gt;Then guess what, I got rejected by Maybank not once, not twice, but thrice. Funny thing is the CC I applied is actually one of their entry level Shopee x Maybank CC.&lt;br /&gt;Called them and all they can tell me is there&amp;#39;s something wrong with my credit assessment, so I went and bought myself a CTOS report and surprise surprise, its completely blank, zeroes everywhere. (RM20+ down the drain, I could&amp;#39;ve have a nice KFC meal with that money)&lt;br /&gt;&lt;br /&gt;As I am actually planning to get a new affordable car next year to replace my dying car, and have no one to act as my guarantor, I needed to build a nice looking credit score. &lt;br /&gt;The only way I could think of is getting a credit card but since that is a no go already, are there any other way that I could build it?&lt;br /&gt;&lt;br /&gt;I&amp;#39;m currently living in my parents house so no rental, and the only utility that is under my name would be ISP, but I used direct debit for that so I have never missed a payment, hell I sometimes pay extra before I started using direct debit.&lt;br /&gt;&lt;br /&gt;I&amp;#39;d appreciate some advice from all sifus here  &lt;!--emo&amp;:help:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/icon_question.gif' border='0' style='vertical-align:middle' alt='icon_question.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:help:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/icon_question.gif' border='0' style='vertical-align:middle' alt='icon_question.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>cyxnide</author>
            <category>Serious Kopitiam</category>
            <pubDate>Fri, 05 Aug 2022 11:23:40 +0800</pubDate>
        </item>
        <item>
            <title>Where do you guys post your photos?</title>
            <link>http://forum.lowyat.net/topic/5296309</link>
            <description>Dear all sifus,&lt;br /&gt;&lt;br /&gt;Just wanted to ask where do you guys post / share your work online?&lt;br /&gt;&lt;br /&gt;I&amp;#39;ve been posting regularly to Instagram but it seems like the reach for still photos just isn&amp;#39;t there anymore. &lt;br /&gt;I&amp;#39;ve made a few reels and they managed to get around 4k views and thats about it, most of my still image are terrible in terms of reach / engagement.&lt;br /&gt;&lt;br /&gt;Flickr is still somewhat decent, as long as I post it to the correct group I can get at least 200 views on my photos.&lt;br /&gt;Twitter is pretty much posting to the void.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;</description>
            <author>cyxnide</author>
            <category>Photography, Digital Imaging &amp;amp; Video</category>
            <pubDate>Tue, 02 Aug 2022 10:22:12 +0800</pubDate>
        </item>
        <item>
            <title>I&amp;#39;ve lost my passion in cars.</title>
            <link>http://forum.lowyat.net/topic/5296063</link>
            <description>It feels weird as I&amp;#39;m typing this post up but I think I may have lost my passion as a car guy.&lt;br /&gt;&lt;br /&gt;I really loved cars and always wanted to drive an E46 when I was a kid, now that I owned it for 3 years (its still stock btw), it all started to feel... less attractive now.&lt;br /&gt;It&amp;#39;s not like I&amp;#39;ve lost interest in the car I have now, but I&amp;#39;ve lost interest in the concept of owning a nice car to impress people I don&amp;#39;t know.&lt;br /&gt;&lt;br /&gt;I used to think that owning a modified E46 would make me happy, and that I would keep the car forever and continue to do resto-mods to it slowly year after year.&lt;br /&gt;&lt;br /&gt;But now all I could think of is just keeping the car as it is and only fixing what is broken, and using it like I would any other car.&lt;br /&gt;&lt;br /&gt;I don&amp;#39;t know why I&amp;#39;ve suddenly lost interest in cars. Whenever I think about it, I just think about all the money that I have dumped into the car, no longer about how fun they are to drive or how I would enjoy owning them.&lt;br /&gt;I still love seeing nice cars on the road and I enjoy taking pictures of them too, but for myself, I just want a new Saga and be happy with it now.&lt;br /&gt;&lt;br /&gt;Did anyone here went through the same thing?&lt;br /&gt;This just feels weird and sad to me.</description>
            <author>cyxnide</author>
            <category>The Fast &amp;amp; The Furious</category>
            <pubDate>Mon, 01 Aug 2022 14:39:24 +0800</pubDate>
        </item>
        <item>
            <title>Shooting wide open all the time?</title>
            <link>http://forum.lowyat.net/topic/5294477</link>
            <description>&lt;b&gt;Hi otai2&amp;#33;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;So my first month with a DSLR is coming to an end, throughout this period I have noticed myself only shooting at my lens maximum aperture (f4.5) all the time.&lt;br /&gt;I just put my camera in Av mode exclusively and only adjusting ISO a little bit and EC whenever needed.&lt;br /&gt;&lt;br /&gt;Most of my shot ended up soft looking pretty soft, and I feel like I&amp;#39;m not using my camera and lens to its true potential.&lt;br /&gt;&lt;br /&gt;Are there any tips that you guys could share on how to determine what aperture to use, and what modes do you usually shoot in?&lt;br /&gt;&lt;br /&gt;Here are some of the shots that I think looked way too soft (I only realized these after I go back home and put it into my PC for post...)&lt;br /&gt;&lt;br /&gt;&lt;a href='https://flic.kr/p/2nAr4Tw' target='_blank'&gt;&lt;img src='https://live.staticflickr.com/65535/52241836416_b80f7b12e0_b.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;&lt;a href='https://flic.kr/p/2nAr4Tw' target='_blank'&gt;Another attempt at street photography&lt;/a&gt; by &lt;a href='https://www.flickr.com/photos/henryp21/' target='_blank'&gt;Henry FH&lt;/a&gt;, on Flickr&lt;br /&gt;&lt;br /&gt;f5.6, ISO800 (forgot to lower it after low light shot the day before), 166mm &lt;br /&gt;&lt;br /&gt;&lt;a href='https://flic.kr/p/2nAhYyh' target='_blank'&gt;&lt;img src='https://live.staticflickr.com/65535/52240257584_4b66ff330e_b.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;&lt;a href='https://flic.kr/p/2nAhYyh' target='_blank'&gt;Sultan Ibrahim Building&lt;/a&gt; by &lt;a href='https://www.flickr.com/photos/henryp21/' target='_blank'&gt;Henry FH&lt;/a&gt;, on Flickr&lt;br /&gt;&lt;br /&gt;f4.5, ISO100, 89mm</description>
            <author>cyxnide</author>
            <category>Photography, Digital Imaging &amp;amp; Video</category>
            <pubDate>Wed, 27 Jul 2022 09:52:25 +0800</pubDate>
        </item>
        <item>
            <title>My beginner photography journey</title>
            <link>http://forum.lowyat.net/topic/5288509</link>
            <description>Hi guys, I got inspired by Razgriz&amp;#39;s (W_9235) journey and decided to start my own.&lt;br /&gt;&lt;br /&gt;All feedbacks and criticism are welcome, helps me improve as a photographer&amp;#33;&lt;br /&gt;At the moment I am still stuck with the crappy image uploader since I&amp;#39;m still P lesen and can&amp;#39;t embed from Flickr directly (although do please check out my Flickr from the link in my signature&amp;#33;), so the image quality is probably shit.&lt;br /&gt;Here are some of my latest photos, I&amp;#39;ll refrain from including pictures that I took with my iPhone here as I&amp;#39;d like to think that my proper photography journey starts when I got my DSLR.&lt;br /&gt;&lt;br /&gt;&lt;a href='https://pictr.com/image/BRQd1r' target='_blank'&gt;&lt;img src='https://pictr.com/images/2022/07/07/BRQd1r.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/BRQuAO' target='_blank'&gt;&lt;img src='https://pictr.com/images/2022/07/07/BRQuAO.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/BRQwtY' target='_blank'&gt;&lt;img src='https://pictr.com/images/2022/07/07/BRQwtY.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/BRQY0I' target='_blank'&gt;&lt;img src='https://pictr.com/images/2022/07/07/BRQY0I.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/BRQ8cq' target='_blank'&gt;&lt;img src='https://pictr.com/images/2022/07/07/BRQ8cq.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/BRQbUZ' target='_blank'&gt;&lt;img src='https://pictr.com/images/2022/07/07/BRQbUZ.md.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;I&amp;#39;ll be going back to Labis this week, and I&amp;#39;ll definitely bring my camera with me along with my broken tripod to try some night time photography too&amp;#33; &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;</description>
            <author>cyxnide</author>
            <category>Showcase</category>
            <pubDate>Thu, 07 Jul 2022 09:07:36 +0800</pubDate>
        </item>
        <item>
            <title>Advice for a beginner photographer?</title>
            <link>http://forum.lowyat.net/topic/5287938</link>
            <description>Hi guys,&lt;br /&gt;&lt;br /&gt;So I recently bought myself my first DSLR, and wanted to take photography a little bit more seriously.&lt;br /&gt;&lt;br /&gt;Are there any general advice from all the otai2 here that you could give to a lowly amateur like me?&lt;br /&gt;&lt;br /&gt;I mainly enjoy taking photos of architecture, a bit of landscape and a little bit of street photography.&lt;br /&gt;&lt;br /&gt;And one more thing about street photography, how do you get around taking pictures of random strangers without coming off as a creep, or having them going hostile / confrontational when you take pictures of them?&lt;br /&gt;I was originally thinking about getting cheap, simple business cards printed out and carry it around with me when I go out taking pictures, so if anyone asked me what I&amp;#39;m doing I could show them the card.&lt;br /&gt;But I thought the idea was a bit overkill or maybe even a little bit pretentious for someone like me with no experience and just starting out building a portfolio to have a business card.&lt;br /&gt;&lt;br /&gt;So what do you guys think?</description>
            <author>cyxnide</author>
            <category>Photography, Digital Imaging &amp;amp; Video</category>
            <pubDate>Tue, 05 Jul 2022 12:28:57 +0800</pubDate>
        </item>
        <item>
            <title>Pressuring to get a house</title>
            <link>http://forum.lowyat.net/topic/5283980</link>
            <description>Hi LYN&lt;br /&gt;&lt;br /&gt;So I am with this girl for about 1 1/2 year now, for context I&amp;#39;m 23M and she&amp;#39;s 28F (yes i know, quite a huge gap for some), and she has been constantly pressuring me to get a house together.&lt;br /&gt;I just literally started working for 2+ years, salary wasn&amp;#39;t the highest and my saving account is not looking too well since I have to support my family and my personal commitments. &lt;br /&gt;&lt;br /&gt;She have been constantly saying things like &amp;#39;she is running low on time, I have a lot of time but she doesn&amp;#39;t&amp;#39;, and even said something like &amp;#39;why did I choose you anyways&amp;#39;...&lt;br /&gt;&lt;br /&gt;I already told her to give me around 3 to 5 years time so I could build up my credit and also invest in small amount monthly (DCA) so I will have at least enough for a house down payment by 5 years.&lt;br /&gt;&lt;br /&gt;Every time I talk about investing in some funds or safer / proven investments she keeps asking me to just save money. How do you expect me to build up enough money for a house if I just &amp;#39;save&amp;#39; money and not use said saved money to grow more money? &lt;br /&gt;&lt;br /&gt;She makes me feel like I&amp;#39;m worthless and I feel stressed when talking about future with her...&lt;br /&gt;But I really love her (she&amp;#39;s my first ever GF)...&lt;br /&gt;&lt;br /&gt;What should I do?&lt;br /&gt;&lt;br /&gt;I mean maybe I&amp;#39;m partly to blame for choosing someone her age but still... can she be a little bit more understanding?  &lt;!--emo&amp;:unsure:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/unsure.gif' border='0' style='vertical-align:middle' alt='unsure.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>cyxnide</author>
            <category>Cupid&amp;#39;s Corner</category>
            <pubDate>Wed, 22 Jun 2022 16:36:27 +0800</pubDate>
        </item>
        <item>
            <title>2012 Chevy Cruze - Yay or Nay</title>
            <link>http://forum.lowyat.net/topic/5282461</link>
            <description>Alright so I was in the market for a used car to replace my slowly dying E46... and I stumbled across this.&lt;br /&gt;&lt;br /&gt;&lt;a href='https://pictr.com/image/BkZP1P' target='_blank'&gt;&lt;img src='https://pictr.com/images/2022/06/17/BkZP1P.md.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;And I am in love with the looks already.&lt;br /&gt;&lt;br /&gt;But... why the hell is it so damn cheap? This thing costs about as much as a used Proton Saga and its from 2012 with keyless entry and push start.&lt;br /&gt;&lt;br /&gt;Any owners around here? How is the parts and maintenance? Is it harder to bela than my E46? How reliable (or unreliable) is it? Any common problems?&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Seriously cannot brain why is it so low price....&lt;br /&gt;&lt;br /&gt;</description>
            <author>cyxnide</author>
            <category>The Fast &amp;amp; The Furious</category>
            <pubDate>Fri, 17 Jun 2022 15:23:48 +0800</pubDate>
        </item>
        <item>
            <title>Supplemental Income / Financial Advice</title>
            <link>http://forum.lowyat.net/topic/5280942</link>
            <description>Hi guys and gals of LYN,&lt;br /&gt;&lt;br /&gt;I know this question had probably been asked to death before, but I can&amp;#39;t seem to find any recent thread discussing about this matter.&lt;br /&gt;So I would like to ask all of you for some side income ideas, and maybe some financial advice. &lt;br /&gt;Here are some of my details.&lt;br /&gt;&lt;br /&gt;23M, currently working as an IT Helpdesk Assistant with monthly gross pay at RM3k (RM2.6k nett).&lt;br /&gt;Still leeching / living with my parents, only have to pay management fee monthly (~RM240) , ISP (~RM104) and also electricity bill (~RM80)&lt;br /&gt;I currently own an E46 325i, bought in cash so no need to pay any loan, fuel around RM200 per month.&lt;br /&gt;I also just recently started investing / DCA-ing monthly into Stashaway portfolio (RM300)&lt;br /&gt;&lt;br /&gt;My skills are as follows :&lt;br /&gt;- Basic video editing&lt;br /&gt;- Troubleshooting computers (I work as IT helpdesk, duh)&lt;br /&gt;- Refurbishing old computers &lt;br /&gt;- Professional audio system (TF5 Digital Mixer)&lt;br /&gt;- Translating basic Japanese into English (I was part of a doujin translation group, if you know, you know  &lt;!--emo&amp;:w--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/whistling.gif' border='0' style='vertical-align:middle' alt='whistling.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:w--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/whistling.gif' border='0' style='vertical-align:middle' alt='whistling.gif' /&gt;&lt;!--endemo--&gt; )&lt;br /&gt;&lt;br /&gt;Are there anything else you guys think I could do aside from selling bontot?&lt;br /&gt;&lt;br /&gt;Or are there any better investment / money managing ideas?&lt;br /&gt;&lt;br /&gt;Feel free to tumpang tered here if you would like to ask something similar&amp;#33;&lt;br /&gt;&lt;br /&gt;Thanks in advance&amp;#33;</description>
            <author>cyxnide</author>
            <category>Serious Kopitiam</category>
            <pubDate>Mon, 13 Jun 2022 15:55:39 +0800</pubDate>
        </item>
        <item>
            <title>First time loaning, kena reject</title>
            <link>http://forum.lowyat.net/topic/5275854</link>
            <description>Hi all,&lt;br /&gt;&lt;br /&gt;First time trying to apply for a loan to get an fake proton / fake lancer / the child that does not belong anywhere.&lt;br /&gt;&lt;br /&gt;Car price is 42800 and I am going to put in 12000 as down payment, salesman submitted to HLB saying that its the easiest  to pass and lower interest rate.&lt;br /&gt;Bank called me to ask for consent in checking CCRIS, I told them I have no record and also asked if that will affect my loan. The customer service say usually if salary okay won&amp;#39;t kacau one.&lt;br /&gt;&lt;br /&gt;Fast forward to next day, I check online on HLB online tracking saw the loan amount is different to the initial amount, tried calling the loan officer, no respond.&lt;br /&gt;Ok fine, maybe he&amp;#39;s busy so I drop him a WhatsApp instead.&lt;br /&gt;&lt;br /&gt;He replies saying that my CCRIS score won&amp;#39;t pass, and ended the conversation asking me to go other bank.&lt;br /&gt;I ask him if its possible to bring in guarantor for this and will it help, never reply to my message anymore. &lt;br /&gt;&lt;br /&gt;I check on the application tracking website it still says its in submission phase, no update.&lt;br /&gt;&lt;br /&gt;So I called another HLB branch they said usually won&amp;#39;t have issue, considering how low the loan amount is.&lt;br /&gt;&lt;br /&gt;Currently trying for other bank and see what happens.&lt;br /&gt;&lt;br /&gt;--------------------------------&lt;br /&gt;&lt;br /&gt;Now for my other question, how the hell am I supposed to build CCRIS score if I have no PTPTN loan or any other commitments?&lt;br /&gt;I apply for CC also kena reject because no CCRIS score.&lt;br /&gt;&lt;br /&gt;Any advice on this?&lt;br /&gt;&lt;br /&gt; &lt;!--emo&amp;:bangwall:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/bangwall.gif' border='0' style='vertical-align:middle' alt='bangwall.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:bangwall:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/bangwall.gif' border='0' style='vertical-align:middle' alt='bangwall.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:bangwall:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/bangwall.gif' border='0' style='vertical-align:middle' alt='bangwall.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;</description>
            <author>cyxnide</author>
            <category>Serious Kopitiam</category>
            <pubDate>Fri, 27 May 2022 17:37:52 +0800</pubDate>
        </item>
        <item>
            <title>2000 Volvo S80 2.0 T5</title>
            <link>http://forum.lowyat.net/topic/5103890</link>
            <description>&lt;span style='font-size:14pt;line-height:100%'&gt;&lt;b&gt;Hi Guys, first post here.&lt;br /&gt;&lt;/b&gt;&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;I&amp;#39;m sorry if this has already been asked here several times on this forum already but..&lt;br /&gt;&lt;br /&gt;I currently drive an 04 E46 325i and have been loving it throughout the 2 years of my ownership (yes I bought it used).&lt;br /&gt;But my management has been constantly complaining about how expensive my roadtax is since it&amp;#39;s 2.5, and how much of a gas hog my car is.&lt;br /&gt;&lt;br /&gt;Then, I saw a Volvo S80 2.0 up for sale and it looked absolutely amazing, gave it a test drive, loved how comfy the ride is and how it made me drive like a more sensible person, since the E46 just constantly wants to be driven fast. &lt;br /&gt;&lt;br /&gt;So now I&amp;#39;m hoping to get some feedback from Volvo owners out there on several things about the car :&lt;br /&gt;&lt;br /&gt;&lt;b&gt;&lt;br /&gt;1. How bad is the fuel consumption? The car is only 2.0 and the car is almost 1.7 Tonnes, I won&amp;#39;t be expecting Altis level of fuel economy, but just wanted an idea on how it really is.&lt;br /&gt;2. What are the things that are most likely to go wrong on this car? &lt;br /&gt;3. Service pricing / parts replacement at Indy Volvo workshops? &lt;br /&gt;4. How reliable are these cars?&lt;br /&gt;&lt;/b&gt;&lt;br /&gt;And just in general, what are the things that I need to look out for whenever I&amp;#39;m looking at one of these cars?&lt;br /&gt;&lt;br /&gt;I hope to hear from you all soon.&lt;br /&gt;&lt;br /&gt;[attachmentid=10790465]</description>
            <author>cyxnide</author>
            <category>The Fast &amp;amp; The Furious</category>
            <pubDate>Tue, 16 Feb 2021 09:35:06 +0800</pubDate>
        </item>
    </channel>
</rss>
