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        <title>Lowyat.NET: Latest topics by adam71</title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Mon, 02 Nov 2026 11:25:43 +0800</lastBuildDate>
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            <title>Suggest on 4000 sq feet land</title>
            <link>http://forum.lowyat.net/topic/5581604</link>
            <description>4,000 sq ft plot of flat land - 5km to  Seremban sentral , with freehold building status. What would you recommend do with this land?  Left is Chinese and right is Indian small banglow house. &lt;br /&gt;&lt;br /&gt;</description>
            <author>adam71</author>
            <category>Kopitiam</category>
            <pubDate>Wed, 28 Oct 2026 08:02:59 +0800</pubDate>
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            <title>Saudi killed 29 Yeman kids</title>
            <link>http://forum.lowyat.net/topic/5579783</link>
            <description>Padan muka Saudi kena boom now.&lt;br /&gt;&lt;br /&gt;Last time bukan main. Go boom Yeman kaw kaw and killed many civilian &lt;br /&gt;&lt;br /&gt;One of it. &lt;br /&gt;&lt;br /&gt;When Saudi kill 29 children Yeman. &lt;br /&gt;&lt;br /&gt;&lt;a href='https://www.bbc.com/news/world-middle-east-45128367' target='_blank'&gt;https://www.bbc.com/news/world-middle-east-45128367&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Saudi air strike Yeman on bus kills 29 children Yeman</description>
            <author>adam71</author>
            <category>Kopitiam</category>
            <pubDate>Sun, 11 Oct 2026 13:44:54 +0800</pubDate>
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            <title>Agak-agak, bilakah anda akan mati?</title>
            <link>http://forum.lowyat.net/topic/5570220</link>
            <description>&lt;a href='https://open.dosm.gov.my/dashboard/life-expectancy' target='_blank'&gt;https://open.dosm.gov.my/dashboard/life-expectancy&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;When are you going to die? In my area, Petaling, the average life expectancy is quite high, but it&amp;#39;s still only around 78 years. That means I may have only about 23 years—or roughly 8,400 days—left. What about you?</description>
            <author>adam71</author>
            <category>Kopitiam</category>
            <pubDate>Wed, 08 Jul 2026 08:41:47 +0800</pubDate>
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            <title>will Lim Guan Eng wins defamation suit against ?</title>
            <link>http://forum.lowyat.net/topic/5569572</link>
            <description>As per tiltle. &lt;!--emo&amp;:hehe:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/brows.gif' border='0' style='vertical-align:middle' alt='brows.gif' /&gt;&lt;!--endemo--&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='https://pictr.com/image/x9HyVf' target='_blank'&gt;&lt;img src='https://pictr.com/images/2026/07/02/x9HyVf.png' border='0' alt='user posted image' /&gt;&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;Note: &lt;br /&gt;&lt;br /&gt;I ask Grok4. Reply is ye. LGE will win</description>
            <author>adam71</author>
            <category>Kopitiam</category>
            <pubDate>Thu, 02 Jul 2026 09:07:15 +0800</pubDate>
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            <title>Why Japan  and Malaysia rank so High?</title>
            <link>http://forum.lowyat.net/topic/5569160</link>
            <description>The top 20 most peaceful countries in the world according to the GPI 2026 are:&lt;br /&gt;1. Iceland2. New Zealand3. Switzerland4. Slovenia5. Ireland6. Austria7. Portugal8. Singapore9. Finland10. Japan11. Denmark12. Malaysia13. Czechia14. Canada15. Hungary16. Bhutan17. Netherlands18. Mauritius19. Latvia20. Australia&lt;br /&gt;&lt;br /&gt;Mongolia comes in at 34th. Further down the list, Vietnam ranks 41st, Taiwan 42nd, South Korea 57th, Laos 58th, Sri Lanka 67th and Indonesia 69th.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Why japan and Malaysia so High? South Korea above Indonesia ?</description>
            <author>adam71</author>
            <category>Kopitiam</category>
            <pubDate>Sun, 28 Jun 2026 10:46:44 +0800</pubDate>
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            <title>FIFA:The World&amp;#39;s Biggest Distraction?</title>
            <link>http://forum.lowyat.net/topic/5569007</link>
            <description>Throughout history, The elites have used mass entertainment to keep the public distracted from deeper social and economic problems. &lt;br /&gt;&lt;br /&gt;The gladiator games of ancient Rome are often cited as one example, where public spectacles helped maintain order while citizens paid less attention to political issues.&lt;br /&gt;&lt;br /&gt;Today&amp;#39;s mega sporting events, such as the FIFA World Cup, play a similar role. Fans are willing to spend thousands, and in some cases tens of thousands of dollars, on tickets, while global attention becomes focused on the tournament for weeks.&lt;br /&gt;&lt;br /&gt;Football now also occasionally been accompanied by hooliganism. In some cities, supporters have vandalized shops, damaged public property, clashed with police, and created chaos before or after matches. &lt;br /&gt;&lt;br /&gt;Some countries allegedly deceive football players from other countries into representing their national team&lt;br /&gt;&lt;br /&gt;Whether this comparison is fair remains open to debate. For many, football is simply a celebration of sport, culture, and national pride. For others, it raises an important question: are we becoming so absorbed by entertainment that we lose focus on the economic, political, and social issues that have a greater impact on our daily lives?&lt;br /&gt;&lt;br /&gt;While you&amp;#39;re distracted by Football, Netflix, PC Games , only fan &amp;amp; Tiktok the powerful are already planning the next event that could shape the world&amp;#39;s future.&lt;br /&gt;&lt;br /&gt;Discuss.&lt;br /&gt;&lt;br /&gt;</description>
            <author>adam71</author>
            <category>Kopitiam</category>
            <pubDate>Fri, 26 Jun 2026 12:48:23 +0800</pubDate>
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            <title>YB. YB, I never understood,</title>
            <link>http://forum.lowyat.net/topic/5568963</link>
            <description>YB, I never understood,&lt;br /&gt;The Malays already have so many advantages, why are they still afraid? &lt;br /&gt;&lt;br /&gt;&lt;a href='https://www.orientaldaily.com.my/news/mingjia/2026/06/25/828125' target='_blank'&gt;https://www.orientaldaily.com.my/news/mingj...26/06/25/828125&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;A few months ago, I was having coffee at a café in Pulau Tikus, Penang, with a familiar retired Chinese uncle. I often meet him whenever I go there to serve the community. After his second cup of coffee, he usually speaks very honestly about what is in his heart.&lt;br /&gt;He suddenly asked me:&lt;br /&gt;“YB, I don’t understand. Malays already have so many advantages. Why are they still afraid?”&lt;br /&gt;This was not an accusation. It was a sincere question — and I believe it is one of the questions Malaysians should seriously reflect on.&lt;br /&gt;Because if we honestly face reality, we will discover that Chinese Malaysians and Malays are living in the same country but seeing two very different realities.&lt;br /&gt;Many Chinese Malaysians see “privilege”. Many Malays feel “insecurity”.&lt;br /&gt;If we cannot understand why both sides feel this way, our conversations will continue to go nowhere.&lt;br /&gt;As a Malay Muslim woman representing a constituency with many Chinese voters, I often stand between these two perspectives.&lt;br /&gt;I hear Chinese Malaysians’ concerns about fairness, meritocracy, education opportunities and business competition. But I also hear another voice that rarely appears in headlines or political speeches — the anxiety of ordinary Malays.&lt;br /&gt;Not politicians. Not elites. Ordinary people.&lt;br /&gt;A teacher worries whether her children can compete in the future.&lt;br /&gt;A civil servant worries that his skills may become outdated.&lt;br /&gt;A small business owner struggles to adapt to rapid technological change.&lt;br /&gt;A young graduate with limited English worries whether she can survive in an era of artificial intelligence and automation.&lt;br /&gt;These fears are real. People may disagree with them, but they cannot deny they exist.&lt;br /&gt;When many Chinese Malaysians look at affirmative action policies, they see advantages. But many Malays see those same policies as a form of security.&lt;br /&gt;One side sees barriers. The other side sees vulnerability.&lt;br /&gt;Understanding does not mean agreeing — but without understanding, meaningful conversation is impossible.&lt;br /&gt;When I was young, I studied at Convent Green Lane. My classmates came from different backgrounds. We studied together, prepared for exams together, and got punished together when we misbehaved.&lt;br /&gt;What I remember most was not race. It was competition.&lt;br /&gt;There was always someone smarter, someone who worked harder, someone better at mathematics — and many of them happened to be Chinese classmates.&lt;br /&gt;But I never thought: “I am threatened.”&lt;br /&gt;I thought: “I need to work harder.”&lt;br /&gt;Unfortunately, we seem to have lost that mindset.&lt;br /&gt;Today, many discussions about race are no longer about “How can I improve myself?” but “Why does someone else have more?”&lt;br /&gt;Instead of asking “How do we compete?” we ask “How do we protect ourselves?”&lt;br /&gt;Fear narrows our vision. It makes us focus on what we might lose instead of what we can build.&lt;br /&gt;I understand Malay concerns, but I do not believe depending forever on protection is the answer.&lt;br /&gt;True confidence cannot be inherited. It cannot simply be created by laws. It cannot be built on fear.&lt;br /&gt;Confidence comes from ability, education and skills.&lt;br /&gt;A confident community does not fear another group’s success. It learns from it, adapts and improves.&lt;br /&gt;Today, when I visit schools, I care less about a student’s race and more about whether they are ready for the future.&lt;br /&gt;Artificial intelligence will not ask whether someone is Malay or Chinese.&lt;br /&gt;Automation will not check ethnicity before replacing jobs.&lt;br /&gt;Global competition will not care what language we speak at home.&lt;br /&gt;The future will judge us by ability.&lt;br /&gt;That is why I feel frustrated when Malaysian politics remains trapped in endless racial arguments.&lt;br /&gt;While we argue, the world moves forward.&lt;br /&gt;While we revisit old grievances, other countries invest in AI, technology and future industries.&lt;br /&gt;Perhaps Malaysia’s biggest risk today is not only racial inequality, but collective complacency — believing yesterday’s solutions can solve tomorrow’s problems.&lt;br /&gt;Every community needs each other more than many people want to admit.&lt;br /&gt;One group’s success contributes to the country’s success. One group’s failure affects everyone.&lt;br /&gt;We either grow together or stagnate together.&lt;br /&gt;I like the Chinese saying:&lt;br /&gt;“The sea embraces a hundred rivers; it becomes great because it accepts them all.”&lt;br /&gt;That is the Malaysia I hope for.&lt;br /&gt;A Malay can be proudly Malay.&lt;br /&gt;A Chinese Malaysian can be proudly Chinese.&lt;br /&gt;An Indian Malaysian can be proudly Indian.&lt;br /&gt;And all of us can proudly be Malaysian.&lt;br /&gt;The real question is not whether our differences exist. They do.&lt;br /&gt;The question is whether we are confident enough to stop fearing one another and start preparing for the future together.&lt;br /&gt;One day, our children will inherit the Malaysia we create today.&lt;br /&gt;I hope they inherit a country that values ability more than fear, and one where we spend less time measuring each other’s differences and more time building a future bright enough for everyone</description>
            <author>adam71</author>
            <category>Kopitiam</category>
            <pubDate>Fri, 26 Jun 2026 00:09:20 +0800</pubDate>
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            <title>South Korea stock -9.9%</title>
            <link>http://forum.lowyat.net/topic/5568733</link>
            <description>recession, earnings collapse, or political/market structure problems?&lt;br /&gt;&lt;br /&gt;Some share -15% &lt;br /&gt;&lt;br /&gt;Students also busy take CC loan buy share. &lt;br /&gt;&lt;br /&gt;Finally crush buying opportunity ?</description>
            <author>adam71</author>
            <category>Kopitiam</category>
            <pubDate>Tue, 23 Jun 2026 21:04:13 +0800</pubDate>
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            <title>How much singapore Songlap Malaysia?</title>
            <link>http://forum.lowyat.net/topic/5568480</link>
            <description>Singapore stealing 908 bil from Indonesia.&lt;br /&gt;&lt;br /&gt;How much from Malaysia, Thailand, Philipine, Vietnam, Myamar?&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;The &amp;#036;908 Billion Drain: How Alleged Transfer Pricing Schemes Moved Indonesia’s Wealth Offshore — and Why Singapore Is Under Scrutiny&lt;br /&gt;&lt;br /&gt;For more than three decades, Indonesia is estimated to have lost up to US&amp;#036;908 billion through alleged under-invoicing and transfer pricing practices tied to commodity exports, according to statements made by President Prabowo Subianto and investigations highlighted by Finance Minister Purbaya Yudhi Sadewa in May 2026. Authorities claim that several major exporters may have sold Indonesian commodities at artificially low prices to affiliated trading entities in Singapore before the products were resold globally at far higher market values.&lt;br /&gt;&lt;br /&gt;The findings have intensified criticism toward opaque offshore trading structures, weak regulatory oversight, and corporate practices that allegedly shifted massive profits out of Indonesia while reducing state revenues.&lt;br /&gt;&lt;br /&gt; The controversy also places renewed attention on the role of Singapore’s financial and trading ecosystem as a regional hub frequently used in cross-border commodity transactions. While investigations are ongoing and legal conclusions have not yet been finalized, the case has become one of the strongest public challenges yet against alleged illicit capital flight, aggressive tax engineering, and entrenched corporate corruption in Indonesia’s resource sector.</description>
            <author>adam71</author>
            <category>Kopitiam</category>
            <pubDate>Sun, 21 Jun 2026 13:16:46 +0800</pubDate>
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            <title>Leak : Dialog=Cult , Peter Thiel co-founded</title>
            <link>http://forum.lowyat.net/topic/5568474</link>
            <description>&lt;a href='https://www.grumpychineseguy.com/p/the-leak-that-exposed-americas-real' target='_blank'&gt;https://www.grumpychineseguy.com/p/the-leak...d-americas-real&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;A Swiss hacktivist named maia arson crimew found a vulnerability in a website. What fell out was not a corporate database or a government file. It was the membership records of a secret society that has been operating at the center of American power for twenty years without a single public disclosure.The leaked records list 222 people registered for Dialog’s 2026 annual retreat, scheduled for August at the Powerscourt Hotel outside Dublin, Ireland. Among them:&lt;br /&gt;&lt;br /&gt;Scott Bessent, Treasury Secretary&lt;br /&gt;&lt;br /&gt;Ted Cruz, Republican Senator, chair of the Senate Commerce Committee&lt;br /&gt;&lt;br /&gt;Dan Driscoll, Army Secretary&lt;br /&gt;&lt;br /&gt;Jim Himes, ranking Democrat on the House Intelligence Committee&lt;br /&gt;&lt;br /&gt;General Alexus Grynkewich, NATO’s Supreme Allied Commander in Europe, whose Dialog attendance records stretch back to 2021&lt;br /&gt;&lt;br /&gt;Elon Musk&lt;br /&gt;&lt;br /&gt;Leonard Leo, the architect of the conservative federal judiciary&lt;br /&gt;&lt;br /&gt;Cory Booker, Democratic Senator&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;So what do they actually discuss in that room? The leaked agenda for the 2026 retreat answers the question. Three sessions stand out:&lt;br /&gt;&lt;br /&gt;“Navigating WWIII”&lt;br /&gt;&lt;br /&gt;“Build-a-Party” run by a former White House national security official&lt;br /&gt;&lt;br /&gt;“Build-a-Cult” moderated by Steve Gatena, CEO of the Christian app Pray.com&lt;br /&gt;</description>
            <author>adam71</author>
            <category>Kopitiam</category>
            <pubDate>Sun, 21 Jun 2026 12:32:33 +0800</pubDate>
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            <title>Now we have US 99 years FOC lease in Luzon</title>
            <link>http://forum.lowyat.net/topic/5568473</link>
            <description>History seems to repeat itself: Hong Kong was under British rule for 99 years, Macau under Portugal, and today some view U.S. involvement in Luzon, Philippines, 99 LEASE (FOC) as a new form of colonial influence. &lt;br /&gt;&lt;br /&gt;This is pretty insane: the U.S. just tried to literally re-colonize part of the Philippines.&lt;br /&gt;&lt;br /&gt;They did so under the so-called &amp;quot;Pax Silica&amp;quot; initiative, the brainchild of - surprise, surprise - an ex-Palantir guy named Jacob Helberg who now runs U.S. economic &amp;quot;diplomacy&amp;quot; from the State Department.&lt;br /&gt;&lt;br /&gt;It&amp;#39;s causing a big outcry in the Philippines, which is quite a feat given this is by far the most US-friendly country in Southeast Asia. &lt;br /&gt;&lt;br /&gt;If you&amp;#39;re the US and you&amp;#39;re getting the Marcos administration - of all governments - to push back on sovereignty, you&amp;#39;ve really overplayed your hand.&lt;br /&gt;&lt;br /&gt;What is the &amp;quot;Pax Silica&amp;quot; initiative? In a nutshell it&amp;#39;s about the US getting other countries to commit to restructuring their AI tech infrastructure around a US-led stack. It&amp;#39;s basically vendor lock-in: you hand over your critical minerals, align your export controls with Washington&amp;#39;s, regulate AI the way America wants, and in return you get to be a US &amp;quot;trusted partner,&amp;quot; whatever that means these days.&lt;br /&gt;&lt;br /&gt;In essence, let&amp;#39;s not kid ourselves, it&amp;#39;s all about China: this is the US&amp;#39;s initiative to &amp;quot;win the AI race&amp;quot; by getting other countries to contractually commit to keeping China out of their tech supply chains. When you can&amp;#39;t preserve your lead through innovation, you seek to lock countries in contractually.&lt;br /&gt;&lt;br /&gt;For instance as a country, this would mean telling Huawei they can&amp;#39;t sell you AI chips, and telling Chinese firms they can&amp;#39;t invest in your data centers - even if they&amp;#39;re better and cheaper. It&amp;#39;s not about choosing the best technology, it&amp;#39;s about choosing the right flag.&lt;br /&gt;&lt;br /&gt;But in this instance, the US went much further still: they literally tried to carve out 4,000 acres of Philippine territory (in New Clark City, 60 miles north of Manila) to be governed under US common law with diplomatic immunity - the first arrangement of its kind anywhere in the modern world.&lt;br /&gt;&lt;br /&gt;This is according to the WSJ who ran the story last month (https://wsj.com/world/asia/u-s-to-create-high-tech-manufacturing-zone-in-philippines-017c1668) as if it was a done deal (it wasn&amp;#39;t).&lt;br /&gt;&lt;br /&gt;Heard about the &amp;quot;French concession&amp;quot; or &amp;quot;British concession&amp;quot; in China during the century of humiliation? Same thing: the US basically asked for an &amp;quot;American concession&amp;quot; in the Philippines.&lt;br /&gt;&lt;br /&gt;Unsurprisingly, there was quite a bit of backlash in the country with for instance the Peasant Movement of the Philippines (KMP) calling it a “massive sellout” of the country’s land, minerals, and sovereignty (https://punto.com.ph/us-led-pax-silica-initiative-slammed/). &lt;br /&gt;&lt;br /&gt;So much so that the Philippines&amp;#39; government - namely Joshua Bingcang, president and chief executive of the Bases Conversion and Development Authority (BCDA) - issued a statement saying that the Philippines had rejected US proposals that would place the project beyond local jurisdiction (https://asianews.network/philippines-rejects-special-us-status-for-planned-luzon-industrial-hub/).&lt;br /&gt;&lt;br /&gt;Note, by the way, this delicious irony: the BCDA is the government agency that was created in 1992 specifically to convert former US military bases at Clark and Subic Bay after the Philippines spent decades negotiating their closure. New Clark City - where the Pax Silica&amp;#39;s hub would go - is built on the old Clark Air Base. &lt;br /&gt;&lt;br /&gt;So the agency whose entire reason for existing is to turn former American colonial territory (i.e. US military bases) into sovereign Philippine land is the one now being asked to hand part of that very same land back under US jurisdiction (and, apparently, declined).&lt;br /&gt;&lt;br /&gt;Of course though, blocking this specific jurisdiction grab doesn&amp;#39;t change the bigger picture. The Philippines is still a Pax Silica signatory, and Pax Silica itself is structurally neocolonial: you supply the cheap labor and raw materials, align your export controls and regulations with Washington&amp;#39;s, cut yourself off from the world&amp;#39;s rising technological powerhouse - and in exchange you get assembly jobs and the privilege of getting a pat on the head and being called a &amp;quot;trusted partner.&amp;quot;&lt;br /&gt;&lt;br /&gt;They dropped the most cartoonishly colonial demand - governing Philippine soil under US law - but the underlying architecture is the same: you serve America&amp;#39;s supply chain, on America&amp;#39;s terms, and you relinquish your sovereign right to trade with whoever offers the best deal&lt;br /&gt;&lt;br /&gt;[twt]https://twitter.com/RnaudBertrand/status/2058728222553186490[/twt]&lt;br /&gt;</description>
            <author>adam71</author>
            <category>Kopitiam</category>
            <pubDate>Sun, 21 Jun 2026 12:14:59 +0800</pubDate>
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            <title>AI is the next God?</title>
            <link>http://forum.lowyat.net/topic/5568190</link>
            <description>I have been watching how people are treating AI nowadays. Many seem to believe AI is becoming the “new God” — a source of all answers, wisdom, and decisions.&lt;br /&gt;From business planning to health advice, investment choices, education, and even personal problems, more people are turning to AI first instead of human experts, books, or their own judgment.&lt;br /&gt;AI is powerful, but should we trust it blindly? Or should AI remain a tool that helps us think better rather than something we worship or depend on completely?&lt;br /&gt;&lt;br /&gt;In religion, many people are taught that some beliefs should never be questioned or debated — that faith requires complete trust. Zero question or debate. &lt;br /&gt;&lt;br /&gt;Interestingly, in some areas of science, there are also moments where people discourage questioning certain science. &lt;br /&gt;&lt;br /&gt;Curious to hear everyone’s opinion on AI becoming the next GOD to control us just like how they use religion.</description>
            <author>adam71</author>
            <category>Kopitiam</category>
            <pubDate>Thu, 18 Jun 2026 12:54:12 +0800</pubDate>
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            <title>Vladimir Solovyov.</title>
            <link>http://forum.lowyat.net/topic/5567505</link>
            <description>Vladimir Solovyov, Russia&amp;#39;s most controversial and influential opinion leader&lt;br /&gt;&lt;br /&gt;&lt;a href='https://m.youtube.com/watch?v=BTAlnOiDNo8' target='_blank'&gt;https://m.youtube.com/watch?v=BTAlnOiDNo8&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;[YOUTUBE]BTAlnOiDNo8[/YOUTUBE]&lt;br /&gt;&lt;br /&gt;</description>
            <author>adam71</author>
            <category>Kopitiam</category>
            <pubDate>Fri, 12 Jun 2026 01:16:27 +0800</pubDate>
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            <title>Stopping AI.</title>
            <link>http://forum.lowyat.net/topic/5566465</link>
            <description>&lt;br /&gt;&lt;br /&gt;More people are beginning to question the promises made by AI industry leaders who claim that AI will make everyone wealthier and provide more leisure time. Elon said human no longer need to work. &lt;br /&gt;&lt;br /&gt;Instead, right now many workers see jobs being reduced, wages under pressure, and consumers having less money to spend. Basic economics teaches that weaker spending can slow growth through the multiplier effect, leading to further economic challenges when we save money and not spend prepare for raining days.&lt;br /&gt;&lt;br /&gt;As distrust grows, public resistance to AI may increase. By 2027, could we see boycotts of AI companies, consumer goods that replace human workers. Or even start destroying these Robot that bring food to your table that we see in C180 Chinese restaurant? If not 20207. When will we stopping AI? As more people worry about job losses, declining incomes, and its broader impact on society and the economy.&lt;br /&gt;&lt;br /&gt;</description>
            <author>adam71</author>
            <category>Kopitiam</category>
            <pubDate>Tue, 02 Jun 2026 11:15:43 +0800</pubDate>
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            <title>Best Exit Strategy reducing assets holding</title>
            <link>http://forum.lowyat.net/topic/5566421</link>
            <description>I own fews properties zero loan, with all rented out and one used as my own residence. My portfolio ranges from low-cost to high-end properties. Financially, I do not require immediate cash, as I have more than RM1.1 million in KWSP savings and RM300,000 in fixed deposits. &lt;br /&gt;&lt;br /&gt;At age 55 and retired, I am considering gradually disposing of all rented out property assets. However, I am unsure whether I should sell the low- and medium-cost properties first and last the higher-end units, or start by selling the higher-end properties and keep the lower-cost units for longer. &lt;br /&gt;&lt;br /&gt;The lower-cost properties currently appear to generate better rental yields, partly due to inflation-driven rental growth.&lt;br /&gt;&lt;br /&gt;Come share your opinion.</description>
            <author>adam71</author>
            <category>Kopitiam</category>
            <pubDate>Mon, 01 Jun 2026 16:44:34 +0800</pubDate>
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            <title>Old uncle come in - 1980s moon light.</title>
            <link>http://forum.lowyat.net/topic/5566417</link>
            <description>have noticed that the moon no longer seems as bright as it was in the 1980s and 1990s. Back then, during a full moon, my mother could tap rubber at full moon night without head lamp, and I could walk to my estate school without needing a flashlight. &lt;br /&gt;&lt;br /&gt;Today, despite full moon nights, the moonlight appears much dimmer than I remember.&lt;br /&gt;&lt;br /&gt;</description>
            <author>adam71</author>
            <category>Kopitiam</category>
            <pubDate>Mon, 01 Jun 2026 16:20:54 +0800</pubDate>
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            <title>LRT 3 further delay ? or 30 June open?</title>
            <link>http://forum.lowyat.net/topic/5565876</link>
            <description>Many Malaysians are asking who should be responsible for the delays in the LRT3 project. The project involved the main contractor, subcontractors, signalling system providers, consultants, and government agencies. However, the public mainly sees rising costs, delayed completion, and inconvenience to commuters.&lt;br /&gt;&lt;br /&gt;Some people believe contractors involved in major delays should be banned or suspended from future public projects because taxpayer money is involved. They argue that companies failing to deliver on time should face stronger consequences.&lt;br /&gt;&lt;br /&gt;Others say mega infrastructure projects are very complex. Delays can also happen due to design changes, approvals, land issues, political decisions, or technical system integration problems — not only because of the contractor.&lt;br /&gt;&lt;br /&gt;Should Malaysia introduce stricter rules for contractors involved in delayed public projects? Should companies with major delays still be allowed to bid for future government projects, or should they be blacklisted temporarily?&lt;br /&gt;&lt;br /&gt;LRT3 done by MRCB, George Kent, WCT, Mudajaya, IJM &amp;amp; Sunway. &lt;br /&gt;&lt;br /&gt;What is your opinion on this issue?</description>
            <author>adam71</author>
            <category>Kopitiam</category>
            <pubDate>Tue, 26 May 2026 13:03:23 +0800</pubDate>
        </item>
        <item>
            <title>Popo 1975,</title>
            <link>http://forum.lowyat.net/topic/5565436</link>
            <description>When growing up in Malaysia during the 1970s, 80s, and 90s, snacks were a big part of our childhood memories. Many of us still remember buying them from school canteens, kedai runcit, pasar malam, or using 5 to 20 sen pocket money after school.&lt;br /&gt;&lt;br /&gt;Some snacks are still in the market today, while others have disappeared completely. Even the taste, packaging, and price have changed over the years.&lt;br /&gt;&lt;br /&gt;For those who experienced the old days, which snack do you miss the most? Was it Ding Dang, Mamee Monster, Tam Tam, Fish Satay, ice sticks, haw flakes, or something else?&lt;br /&gt;&lt;br /&gt;Do you still buy these snacks today, or do you think the older versions tasted better compared to now?&lt;br /&gt;&lt;br /&gt;POPO since 1975..&lt;br /&gt;&lt;br /&gt;What good memories do popo snacks bring back for you?&lt;br /&gt;&lt;br /&gt;&lt;a href='https://pictr.com/image/xy3rAf' target='_blank'&gt;&lt;img src='https://pictr.com/images/2026/05/22/xy3rAf.md.png' border='0' alt='user posted image' /&gt;&lt;/a&gt;</description>
            <author>adam71</author>
            <category>Kopitiam</category>
            <pubDate>Fri, 22 May 2026 10:09:15 +0800</pubDate>
        </item>
        <item>
            <title>House Price or Monthly Payment First?</title>
            <link>http://forum.lowyat.net/topic/5565157</link>
            <description>When browsing property ads in Malaysia, many agents advertise houses by saying things like:&lt;br /&gt;&lt;br /&gt;“Only RM2,200 per month”&lt;br /&gt;&lt;br /&gt;instead of directly stating:&lt;br /&gt;“House price: RM450,000.”&lt;br /&gt;&lt;br /&gt;Why do you think this is becoming so common?&lt;br /&gt;&lt;br /&gt;Do you think property agents are trying to make expensive houses look more affordable by focusing on monthly instalments instead of the full selling price?&lt;br /&gt;&lt;br /&gt;For buyers, do you prefer seeing the actual house price first, or do monthly payment figures help you better understand affordability?&lt;br /&gt;&lt;br /&gt;Sometimes the monthly amount also depends on loan tenure, interest rate, and down payment, so the real cost may be much higher over time.&lt;br /&gt;&lt;br /&gt;Do you think this type of advertising is helpful, confusing, or even misleading for buyers?&lt;br /&gt;&lt;br /&gt;What is your opinion?</description>
            <author>adam71</author>
            <category>Kopitiam</category>
            <pubDate>Tue, 19 May 2026 18:16:07 +0800</pubDate>
        </item>
        <item>
            <title>The Changing Mindset on Property Ownership</title>
            <link>http://forum.lowyat.net/topic/5564983</link>
            <description>When meeting new people in Malaysia, sometimes one of the first questions people ask is whether you already own a house or are still renting.&lt;br /&gt;&lt;br /&gt;For those who already own property, do you openly talk about it, or do you avoid the topic because you do not want others to compare?&lt;br /&gt;&lt;br /&gt;For those who still do not own a house, do you feel pressured when friends, relatives, or colleagues keep asking?&lt;br /&gt;&lt;br /&gt;Nowadays, house prices in many areas are very expensive, especially near Kuala Lumpur and Selangor. Some people buy early with heavy loans, while others prefer renting and keeping more cash savings.&lt;br /&gt;&lt;br /&gt;Do you think owning a house is still necessary today, or is renting becoming more acceptable for the younger generation?&lt;br /&gt;&lt;br /&gt;What is your opinion?</description>
            <author>adam71</author>
            <category>Kopitiam</category>
            <pubDate>Mon, 18 May 2026 10:39:16 +0800</pubDate>
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