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        <title>Lowyat.NET: Latest topics by Dilireba</title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Fri, 09 Oct 2026 18:38:15 +0800</lastBuildDate>
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            <title>My today. Review of this place.</title>
            <link>http://forum.lowyat.net/topic/5579094</link>
            <description>It&amp;#39;s a point system all in one family hub. Got kids play area, function room. Business lounge, gym etc. I went there for the kids playground. &lt;br /&gt;&lt;br /&gt;Everything inside is paid for using points. &lt;br /&gt;&lt;br /&gt;The only way to get points is to buy their insurance. If you insure everything liao, buy their savings plan.&lt;br /&gt;&lt;br /&gt;They are sunlife. Using family hub as value add. This is basically Hong Kong style way of selling insurance. I must say it&amp;#39;s very interesting. &lt;br /&gt;&lt;br /&gt;But I kinda dont like that they force you to buy insurance to use their facilities. I prefer pay per use because I have flexibility. But if you so happen to need insurance, buy from them, then can get all these extra perks. Beats competing over plan benefits only.</description>
            <author>Dilireba</author>
            <category>Kopitiam</category>
            <pubDate>Sun, 04 Oct 2026 14:35:45 +0800</pubDate>
        </item>
        <item>
            <title>who got live view link for sepang f1?</title>
            <link>http://forum.lowyat.net/topic/5578974</link>
            <description>I remember a few days ago got someone share a live stream link on youtube.&lt;br /&gt;&lt;br /&gt;can someone share some links for me so that i can watch at home in aircon while everyone else sweating?</description>
            <author>Dilireba</author>
            <category>Kopitiam</category>
            <pubDate>Sat, 03 Oct 2026 08:49:29 +0800</pubDate>
        </item>
        <item>
            <title>Youtuber say you bayar ptptn you tak pandai</title>
            <link>http://forum.lowyat.net/topic/5577655</link>
            <description>[YOUTUBE]Ax-7S252CFk[/YOUTUBE]&lt;br /&gt;&lt;br /&gt;lol comments somehow trying to rationalize riba kek</description>
            <author>Dilireba</author>
            <category>Kopitiam</category>
            <pubDate>Sun, 20 Sep 2026 16:42:58 +0800</pubDate>
        </item>
        <item>
            <title>Muslims come in</title>
            <link>http://forum.lowyat.net/topic/5576939</link>
            <description>Let&amp;#39;s assume that someone reach 55. His EPF cukup haul now. He has 5mil EPF, it will immediately be taxed 2.5% at full amount?&lt;br /&gt;&lt;br /&gt;After that, every year it will tax 2.5% on the whole balance? Or do they only tax 2.5% on the income earned?&lt;br /&gt;&lt;br /&gt;CoZ if 2.5% on total... this is like an inflation drag. If inflation is 3%, and you only earn 6% from your investments, then your total untung from investing is 6%-3%-2.5% = 0.5%.&lt;br /&gt;&lt;br /&gt;If your investments don&amp;#39;t at least earn 5.5% a year, your money is just eroding. That sound a crazy to me...&lt;br /&gt;&lt;br /&gt;</description>
            <author>Dilireba</author>
            <category>Kopitiam</category>
            <pubDate>Sun, 13 Sep 2026 21:40:26 +0800</pubDate>
        </item>
        <item>
            <title>I like the new merdeka parade trend.</title>
            <link>http://forum.lowyat.net/topic/5575647</link>
            <description>This year... Every floatilla also got abang sado. Even carsome also. &lt;br /&gt;&lt;br /&gt;My wife saw and she was so entertained. She say better than military parade. And it promotes a healthy image. If it gets more people interested in healthy bodies, even better.&lt;br /&gt;&lt;br /&gt;It&amp;#39;s a good message. I hope next year got more&lt;br /&gt;&lt;br /&gt;Setuju tak?</description>
            <author>Dilireba</author>
            <category>Kopitiam</category>
            <pubDate>Mon, 31 Aug 2026 13:03:54 +0800</pubDate>
        </item>
        <item>
            <title>audio people come in</title>
            <link>http://forum.lowyat.net/topic/5574427</link>
            <description>I was originally looking for a soundbar. Because my desk not much space to put speakers. I have some space under my monitor that&amp;#39;s a bout it. &lt;br /&gt;&lt;br /&gt;Some friend tell me go get studio nearfields instead...&lt;br /&gt;&lt;br /&gt;can something under rm500 be any good? or do you all have some better solution? apa best practice usually?</description>
            <author>Dilireba</author>
            <category>Kopitiam</category>
            <pubDate>Tue, 18 Aug 2026 16:52:04 +0800</pubDate>
        </item>
        <item>
            <title>I ate mcd quarter pounder</title>
            <link>http://forum.lowyat.net/topic/5574145</link>
            <description>Better stick with other burgers. Their patty dry af. I have to say buyrger king beef burger is way better.</description>
            <author>Dilireba</author>
            <category>Kopitiam</category>
            <pubDate>Sat, 15 Aug 2026 13:36:45 +0800</pubDate>
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            <title>Bringing tears to my love&amp;#33;</title>
            <link>http://forum.lowyat.net/topic/5573740</link>
            <description>[YOUTUBE]cHFivT1F1rc[/YOUTUBE]&lt;br /&gt;&lt;br /&gt;Untuk menceriakan hari. Too many politiks recently.</description>
            <author>Dilireba</author>
            <category>Kopitiam</category>
            <pubDate>Tue, 11 Aug 2026 13:53:10 +0800</pubDate>
        </item>
        <item>
            <title>What&amp;#39;s the best computer upgrade now?</title>
            <link>http://forum.lowyat.net/topic/5573530</link>
            <description>I have a 1080gtx. 16gb 2666 dd4. I7 9000 series. &lt;br /&gt;&lt;br /&gt;If I want to upgrade my pc, is it still going to be the graphics card? &lt;br /&gt;&lt;br /&gt;Is there anything I can do to upgrade without spending 6000 on 1 graphics card? Prices now macam haram</description>
            <author>Dilireba</author>
            <category>Hardware</category>
            <pubDate>Sun, 09 Aug 2026 13:14:05 +0800</pubDate>
        </item>
        <item>
            <title>Is it worth taking a masters in finance/econs?</title>
            <link>http://forum.lowyat.net/topic/5573288</link>
            <description>My degree is in engineering. But I&amp;#39;ve since pivoted into something related to finance/econs. &lt;br /&gt;&lt;br /&gt;Should I go into a masters degree? Will it help climb the ladder or get better jobs in that field? &lt;br /&gt;&lt;br /&gt;Or is it regardless if you got master or not you still kena hantam as kuli. Even if you ahve a few years under your belt?&lt;br /&gt;&lt;br /&gt;I heard finance sector don&amp;#39;t care and very lansi one. You got phd also they treat you like junior kuli.</description>
            <author>Dilireba</author>
            <category>Education Essentials</category>
            <pubDate>Fri, 07 Aug 2026 08:50:36 +0800</pubDate>
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