http://forum.lowyat.net/ Fri, 05 Jun 2026 17:14:38 +0800 FeedCreator 1.7.2 http://forum.lowyat.net/topic/660455 First the definition of Pet Peeves:-<br /><br /><!--QuoteBegin--><div class='quotetop'>QUOTE</div><div class='quotemain'><!--QuoteEBegin-->Pet peeves involve complaints about specific behaviors, rather than general dissatisfaction.[4] Pet peeves often involve specific behaviors of someone close, such as a spouse or significant other.[4] These behaviors may involve disrespect, manners, personal hygiene, relationships, and family issues.[4] An example of a pet peeve involving disrespect is someone not using their turn signal while driving. While some drivers feel frustrated when another driver does not use their turn signal, other drivers do not care very much, or consider something else, such as cellphone usage while driving more annoying. Pet peeves associated with driving can result in road rage, where the person who feels peeved seeks some sort of retribution for the action.[5] Road rage itself is considered a pet peeve by many. Other driving-related pet peeves include drivers who speed up to keep others from changing lanes (Gap Snatchers), or distracted drivers talking on cell phones (Motor Mouths).[6][7]<br /><br />Often a pet peeve will seem illogical to others. For example, a supervisor may have a pet peeve about people leaving the lid on the copier up and react angrily, be annoyed when others interrupt when speaking, or by messy desks of their subordinates.[8] That same supervisor may witness employees coming into work late, and not feel any annoyance whatsoever.<br /><br /><a href='http://en.wikipedia.org/wiki/Pet_peeve' target='_blank'>http://en.wikipedia.org/wiki/Pet_peeve</a><br /><!--QuoteEnd--></div><!--QuoteEEnd--><br /><br />I&#39;m over sensitive over new things I bought. A little not right, won&#39;t feel good. <br /><br />Some Ex. <br />New Original CD scratch a bit wont&#39; feel good. <br />New Handphone/Gadgets cannot let people mess around<br />Irritated when people touches things I newly bought<br /><br />But then after my hangat over the new thing is over, I don&#39;t mind people using / touching it. I couldn&#39;t even be bothered sometimes<br /><br />I like new things to be in the perfect way I want it<br /><br />Am I normal or alone?<br /><br /> dzi921 Health &amp; Fitness Thu, 27 Mar 2008 01:15:36 +0800 http://forum.lowyat.net/topic/655824 I&#39;m planning to buy Valve Complete Pack<br /><a href='http://www.steampowered.com/v/index.php?area=package&SubId=478&cc=MY' target='_blank'>http://www.steampowered.com/v/index.php?ar...SubId=478&cc=MY</a><br /><br />1) Anyone bought from Steam before? <br /><br />2) Once download, if I want to install to another machine, do I need to redownload again? dzi921 Gamers Hideout Thu, 20 Mar 2008 16:16:42 +0800 http://forum.lowyat.net/topic/650992 I&#39;m planning to play some games after 8 years me not playing<br /><br />I&#39;m considering to buy either warcraft3 or wow<br /><br />Here are some questions on wow<br /><br />1) i&#39;ve never played warcraft3, will i have problem with wow?<br /><br />2) If my character died, does that mean i have to start all over again?<br /><br />3) Do i need to buy the expension set also? Or is the main/first pack good enough?<br /><br />4) Can i play the expension set without going through the main/first pack?<br /><br />5) if i didnt play, does my login pass expiry?<br /><br />6) if i decided to stop for x month and not pay or login, and then play again later, do i have to start all over?<br /><br />7) how is the gameplay? Is it like ragnarok? dzi921 World of Warcraft Thu, 13 Mar 2008 14:53:37 +0800 http://forum.lowyat.net/topic/650849 It has been quite some time since I last play computer games. I guess 8 years now<br /><br />Suddenly feel like playing games and I&#39;ve noticed that Warcraft is a hot game<br /><br />So can someone kindly answer my question below?<br /><br />1) Where to buy original Warcraft in KL/PJ area? Lowyat have?<br /><br />2) Is there diff between ori and pirated?<br /><br />3) Can I play online multiplayer? Is there malaysia server? or can I connect with servers abroad?<br /><br />4) Can I run Warcraft without the CD always in the CD-ROM?<br /><br />5) I&#39;ve heard of dotA... Can I play dotA alone?<br /><br />6) Since I&#39;m going to buy some games, what other games is a hit now? I like starcraft, diablo and counter-strike kind of games<br /><br />Thanks in advance for those who took time to answer<br /><br /> dzi921 Gamers Hideout Thu, 13 Mar 2008 11:35:01 +0800 http://forum.lowyat.net/topic/647824 I just bought mine from relative... Don&#39;t know the effect yet<br /><br />This product seems to be a hot item in Penang area. There are other brands of such promoting scalar energy<br /><br />Anybody brought these scalar energy pendant before? <br /><br /><img src='http://img395.imageshack.us/img395/9504/image002bb0.jpg' border='0' alt='user posted image' /><br /><br /><img src='http://img373.imageshack.us/img373/5058/image003mp5.jpg' border='0' alt='user posted image' /><br /><br /><img src='http://img382.imageshack.us/img382/9809/image004xn4.jpg' border='0' alt='user posted image' /><br /><br /><img src='http://img393.imageshack.us/img393/4320/image005tz6.jpg' border='0' alt='user posted image' /><br /><br /><img src='http://img373.imageshack.us/img373/8273/image006uw4.jpg' border='0' alt='user posted image' /><br /><br /><img src='http://img392.imageshack.us/img392/2431/image007tu9.jpg' border='0' alt='user posted image' /><br /><br /><img src='http://img393.imageshack.us/img393/2874/image008ut0.jpg' border='0' alt='user posted image' /><br /><br /><img src='http://img373.imageshack.us/img373/8275/image009lb4.jpg' border='0' alt='user posted image' /><br /><br /><img src='http://img373.imageshack.us/img373/8031/image010zk3.jpg' border='0' alt='user posted image' /><br /><br /><img src='http://img373.imageshack.us/img373/1198/image011fy7.jpg' border='0' alt='user posted image' /> dzi921 Health &amp; Fitness Sun, 09 Mar 2008 00:01:02 +0800 http://forum.lowyat.net/topic/644806 <b>New wildlife law from March</b><br />29th January 2008<br /><a href='http://thestar.com.my/news/story.asp?file=/2008/1/29/nation/20151276&sec=nation' target='_blank'>http://thestar.com.my/news/story.asp?file=...1276&sec=nation</a><br /><br /><!--SPOILER BEGIN--><div class="spoilertop" onClick="openClose('88d07d24ff6d8d67c605e78d3a708528')" style="font-weight: bold"><u>&raquo; Click to show Spoiler - click again to hide... &laquo;</u></div><div class="spoilermain" id="88d07d24ff6d8d67c605e78d3a708528" style="display:none"><!--SPOILER END--><br />KUALA LUMPUR: The Indian star tortoise is an endangered species but it can be brought into Malaysia without a permit because there are no laws to prevent this. <br /><br />However, that will change in March when the animal is listed as a protected species in the country and the International Trade in Endangered Species Act 2007 (Flora and Fauna) is enforced. <br /><br />"The new law makes our work easier," said Natural Resources and Environment Ministry parliamentary secretary Datuk Sazmi Miah at the Second Asean Wildlife Enforcement Network Workshop on Task Force and Working Groups Development here yesterday. <br /><br />The penalties under the law would be tough, with a jail term of up to five years or a fine of up to RM100,000. <br /><br />The Indian star tortoise is listed under Appendix II of the Convention on International Trade in Endangered Species (CITES), which allows for trade but is regulated by a permit system. Malaysia is a signatory of CITES. <br /><br />However, it is not in the protected species list under the Protection of Wildlife Act 1972. <br /><br />With the new law, authorities would also be able to take action against illegal traders who smuggle out Malaysia's wild flora and fauna or bring in such items, or re-export them. <br /><br />"The Act deals with transborder cases while domestic cases are charged under the Protection of Wildlife Act," said Sazmi. <br /><br />The International Trade in Endangered Species Act 2007 (Flora and Fauna) was passed in Parliament last month. <br /><br />To enforce the law and fight against trafficking of wildlife species, enforcement officers would be stationed at 17 official points of entry in the country, said Sazmi. <br /><br />"They will be trained and equipped with the necessary information," he said, at the two-day workshop which began yesterday. <br /><br />"We have been lagging in establishing this law but now we have done it," he said. <br /><!--SPOILER DIV--></div><!--SPOILER DIV--><br /><br /><b>A new hope</b><br />4th March 2008<br /><a href='http://thestar.com.my/lifestyle/story.asp?file=/2008/3/4/lifefocus/20486368&sec=lifefocus' target='_blank'>http://thestar.com.my/lifestyle/story.asp?...8&sec=lifefocus</a><br /><br /><!--SPOILER BEGIN--><div class="spoilertop" onClick="openClose('75209d3ba89739579bf4ce5e1503090e')" style="font-weight: bold"><u>&raquo; Click to show Spoiler - click again to hide... &laquo;</u></div><div class="spoilermain" id="75209d3ba89739579bf4ce5e1503090e" style="display:none"><!--SPOILER END--><br /><b>A new piece of legislation promises to stem illicit trade of endangered wildlife.</b><br />THINKING about buying the pretty star tortoise for a pet? Think again. Under newly passed laws, you face a fine of up to RM100,000 for having one of those reptiles. Same goes for other exotic pets such as the Madagascar radiated tortoise, African leopard tortoise, pig-nosed turtle, Madagascar tomato frog, South American poison arrow frog and Indonesian yellow-crested cockatoo. <br /><br />Trade in these animals are either barred or regulated by range countries and the Convention on International Trade in Endangered Species (Cites, an international treaty to stop illegal and unsustainable wildlife trade) but they still end up in local pet stores and zoos - reason being, wildlife authority Perhilitan cannot act against traders because these species are not protected under local laws, namely the Protection of Wildlife Act 1972 (PWA). <br /><br />This has now changed with Parliament passing the International Trade in Endangered Species Bill 2007 last December. The long-awaited Bill promises to stem unbridled sale of wildlife as it specifies the wildlife allowed for trade and imposes licensing requirements. It essentially enables Malaysia to fulfil Cites obligations and enforce Cites wildlife trade rules. <br /><br />The Cites secretariat had threatened to suspend commerce of all Cites species in Malaysia if it did not improve its national wildlife laws to curb illicit and uncontrolled trade in wildlife. Many species of amphibians, reptiles, fish, birds, insects, invertebrates and plants suffer a fate similar to that of the star tortoise because they have been left out of the PWA. <br /><br /><img src='http://img259.imageshack.us/img259/4879/40827851az6.jpg' border='0' alt='user posted image' /><br /><br />In the Bill, the list of wildlife runs over 60 pages and covers terrestrial and marine mammals, birds, lizards, snakes, turtles, tortoises, crocodiles, iguanas, spiders, butterflies, snails, conches, clams, mussels, sea cucumbers, corals, freshwater and marine fish, plants (including orchids, cycads, ferns and pitcher plants) and timber species. It bodes well for species heavily traded for pets, medicine, private collections, zoos, theme parks, curios and ornaments, but which are not shielded by the PWA - species such as the moon bear, bumphead wrasse, sharks, marine turtles, tortoises, tarantulas, macaws, parrots and cycads, among others. <br /><br />A strong feature of the Bill is its coverage for "derivatives" of protected plants or animals - so products ranging from ivory carvings to snake skin shoes, stuffed animals, dried medicinal roots, eggs, claws, chemical compounds and potions will need approvals and permits before they can be traded. The PWA is silent on "derivatives", thus hindering Perhilitan from restraining sale of curios, ornaments, accessories, jewelleries and medicines made from Cites-controlled wildlife. <br /><br />The Bill not only covers importers and exporters but also retailers and the general public as it is an offence for anyone to possess, sell, offer or advertise for sale, or put on display any wildlife and derivatives that have been imported without a permit. So, pet owners would be wise to vet their purchases for legality or risk running foul of the law. It is also an offence to breed wild animals or artificially propagate plants without approval. <br /><br /><b>High hopes </b><br /> Wildlife conservationists are optimistic that the legislation, expected to be gazetted and enforced by mid-year, will help curb wanton exploitation of many endangered species. <br /><br />"The strong part of this Bill is that it's a Cites-specific legislation which will meet the overall goal of the convention, which is to ensure that international trade in specimens of wild fauna and flora does not threaten the survival of the species traded. The Bill fills huge gaps in the current law, such as on derivatives," says Preetha Sankar, policy co-ordinator of World Wide Fund for Nature. <br /><br />Preetha says provisions in the Bill on protection of informers will help curb illegal trade of wildlife. "When some form of protection and reward is offered to informers, they would be more willing to step forward with information." <br /><br />Since protection of wildlife is now split among several government bodies, the Bill rightly parcels the job of overseeing wildlife trade to different management authorities: Perhilitan (terrestrial fauna in the peninsular), Fisheries Department (fish, marine animals and marine plants), Malaysian Timber Industry Board (timber), Agriculture Department (terrestrial and freshwater plants), Sabah Wildlife Department (animals and plants), Sabah Fisheries Department (fish, corals and marine plants) and lastly, Sarawak Forest Department and Sarawak Forestry Corporation (animals and plants). <br /><br /><img src='http://img337.imageshack.us/img337/3306/31135763mn6.jpg' border='0' alt='user posted image' /><br /><br /> "We now have one harmonised law involving different departments. Previously, the Protection of Wildlife Act involved only Perhilitan and applied only to Peninsular Malaysia. Furthermore, it excluded many species such as plants and fish," says Noorainie Awang Anak, programme officer of wildlife trade monitoring body, Traffic. <br /><br />The proffered punishment is another boon - a fine of up to RM100,000 for each animal, plant, part or derivative smuggled by an individual, and up to RM200,000 if a company is involved. <br /><br />"It is great that the penalty is higher for corporate buyers, and individuals in a company can be held liable too, and that an 'offer for sale' is considered an infringement of the law," says Dr Melvin Gumal, director of Wildlife Conservation Society-Malaysia Programme (WCS). <br /><br />And by imposing a blanket coverage based on genus (a group of closely related species) for many animals and plants, the Bill plugs a loophole that allows wildlife species, if not listed, to escape legal scrutiny. This ambiguity was exploited in the 2005 discovery of seven smuggled Sumatran orang utans. Perhilitan had said that it could not punish operators of the zoo and theme park where the primates were seized from as the PWA only lists Pongo pygmaeus (Borneon orang utan) as totally protected and not Pongo abelii (Sumatran orang utan). <br /><br /><b>Doubts </b><br /> Wildlife conservationists, while generally pleased with the Bill, do have niggling fears. Differences between the new legislation and state laws is one. For instance, some species are allowed for trade under Cites, but are totally protected under state laws. <br /><br />"Sarawak does not allow export of any wildlife. But with the Cites Bill, it appears that one can export, with permits. There is a need to see if any provisions in the new Bill contradict state laws," says Traffic director Azrina Abdullah. <br /><br />There is also a danger of relying too much on the Cites Bill because in some instances, it is weaker than state laws. For instance, Cites allows controlled trade of many species of orchids but these floras are totally protected only in Sabah and Sarawak, not in Peninsular Malaysia. Thus trade might prove detrimental to the orchids. Likewise, ramin trees are protected in both eastern states but not in the peninsula. <br /><br />"Some local species deemed as very rare are not within the Cites law and yet, gets little protection under national laws. The naked bat, for example, is protected in Sarawak but not in Peninsular Malaysia," says Gumal of WCS. <br /><br />"And how does one deal with the disparity in fines between this supranational law (new Bill) and the state laws? For example, if one were to illegally export a proboscis monkey out of Sarawak, the fines would be substantially lower in Sarawak's Wildlife Protection Ordinance as opposed to the Cites law. A way out is for the management authority to check with Sabah and Sarawak." <br /><br />The new Bill regulates captive breeding for trade but Gumal is troubled by the silence over what constitutes "captive-bred". Cites, like Sarawak, allows trade only of second-generation offspring but this is not spelt out in the Bill. Gumal fears that traders might exploit the lack of specifics, especially for animals notoriously difficult to breed in captivity, by claiming wild-caught animals as captive-breds. Similarly, it would be difficult to differentiate a cultivated orchid plant from a wild one. <br /><br />And what of protected animals illegally brought in prior to the Bill? One possibility is amnesty to register such animals but this has its ills; traders might claim newly imported plants and animals as old stocks. Azrina is also wary of Section 36 of the Bill which allows for the return of seized animals. "What are the criteria for the release? What if there is abuse?" she queries. <br /><br />And with the Bill being silent on minimum penalties, there is a fear of the courts meting out light sentences. "In past seizures of highly prized species, offenders have been fined only RM1,000. The judiciary must be made aware of the seriousness of wildlife crime and impose the appropriate fine," says Azrina. <br /><br />Lam Hoi Chean, general manager of pet store chain Pet Family, agrees that offenders should be duly punished with the maximum fine: "Anything below RM10,000 will not be a deterrent." He believes restrictions imposed under the Bill will drive the trade underground and cause price hikes; hence there is a need for stricter policing. Such checks, he adds, should not overlook trade conducted by hobbyists. <br /><br />Indeed, several pet store operators claim that while they conduct their business by the book, such is not the case with hobbyists and collectors, who buy and sell protected species among themselves and even to foreigners. The trade, usually done through the Internet, is hard to detect. <br /><br />WWF's Preetha highlights training needs. She says enforcement staff must be taught how to identify goods made from protected wildlife, while agencies tasked with setting quotas for exported species and advising on the impact of trade must have such capabilities. <br /><br />Meanwhile, the Natural Resources and Environment Ministry should also start a road show to inform businesses involved in wildlife trade about the new legal requirements. Most are still ignorant of the Bill. <br /><br />The ministry recently held a workshop for traditional medicine practitioners. Thong Choong Khat of Tradimedi Enterprise in Segamat, Johor, insisted that the new Bill was pointless for folk medicine specialists, and claimed that they no longer use protected wildlife in their remedies since such products would not be approved or registered by the Health Ministry. <br /><br />And while the Bill holds much promise in checking international commerce in wildlife, it does nothing for native wildlife traded domestically. Stemming the flourishing sale of endangered plants and animals within the country calls for an overhaul of the PWA, which is grossly deficient in protecting the country's wildlife. <br /><!--SPOILER DIV--></div><!--SPOILER DIV--><br /><br /><b>Crime and punishment</b><br />4th March 2008<br /><a href='http://thestar.com.my/lifestyle/story.asp?file=/2008/3/4/lifefocus/20486413&sec=lifefocus' target='_blank'>http://thestar.com.my/lifestyle/story.asp?...3&sec=lifefocus</a><br /><br /><!--SPOILER BEGIN--><div class="spoilertop" onClick="openClose('1698705414b5a9b57af894ea524a3445')" style="font-weight: bold"><u>&raquo; Click to show Spoiler - click again to hide... &laquo;</u></div><div class="spoilermain" id="1698705414b5a9b57af894ea524a3445" style="display:none"><!--SPOILER END--><br />HERE are provisions in the International Trade in Endangered Species Bill 2007.<br /><br /><b>Offences</b><br /># Import, export, re-export, introduce from the sea or have in transit any scheduled species without a permit.<br /># Possess, sell, offer or advertise for sale, displays to the public scheduled species which were not legally imported or exported.<br /># Captive-breed animal or artificially propagate plant or animal for trade without registering with management authorities.<br /># Possess, sell, offer or advertise for sale or displays to the public, any plant or animal that has been captive-bred or artificially propagated without registration.<br /><br /><b>Penalty</b><br /># Individual: a fine not exceeding RM100,000 for each animal, plant, part or derivative of the plant or animal but the aggregate shall not exceed RM1mil, and/or up to seven years' imprisonment.<br /># Corporate body: a fine not exceeding RM200,000 for each animal, plant, part or derivative of the plant or animal but the agregate shall not exceed RM2mil.<br /><br /><b>Other provisions</b><br /># A director, manager, secretary or other similar officer of the guilty company may be held liable too.<br /># Owner, importer, exporter or a re-exporter of a scheduled species may be required to brand, label or mark the scheduled species or be liable to a fine of up to RM50,000 and/or three years' jail.<br /># Failure to maintain records of stocks and transactions of captive-bred animal or artificially propagated plant or animal for trade carries a fine of up to RM100,000 (individuals) or RM200,000 (corporate body).<br /># Permits, certificates or registrations will be cancelled if the holders contravene the Act or give false, misleading or inaccurate information.<br /><br /><b>Enforcement</b><br /># Enforcement officers will be given powers similar to the Police. They can arrest, search and seize with a warrant; search and seize without warrant; enter and inspect premises; and stop, search and seize conveyances.<br /><!--SPOILER DIV--></div><!--SPOILER DIV--><br /><br />Reference: <br /><a href='http://www.cites.org/eng/app/appendices.shtml' target='_blank'>CITES Appendices I, II and III</a> dzi921 Pets Wonderland Tue, 04 Mar 2008 15:52:21 +0800 http://forum.lowyat.net/topic/644401 Phiten Titanium<br /><a href='http://www.phitenmy.com/index.html' target='_blank'>http://www.phitenmy.com/index.html</a><br /><br />Anyone uses it? Mind to share your experience?<br /><br />For me, I just bought this from their shop at 1U. Today is my 2nd day wearing it, I have back ache for past 2 weeks due to heavy gym, but after wearing it overnight, the next day my back doesn&#39;t feel unfordable anymore. Weird&#33;<br /><br /><br />Disclaimer: I am not associated with Phiten nor anyone working in it dzi921 Health &amp; Fitness Mon, 03 Mar 2008 23:30:32 +0800 http://forum.lowyat.net/topic/611992 In our company&#39;s employment/confirmation letter it states that if a staff were to resign, he/she cannot work for competitor of the same industry for 1 year<br /><br />Today over a discussion my MD &#39;accidentally&#39; said that he has checked with our company lawyer that even though a staff has signed it, it is hard to sue the person. The company will most likely loose the case.<br /><br />After he said that, I was like thinking and had a small grin.. I think my MD noticed it. He jokingly with a serious tone said &#39;If you dare to work for competitor, I&#39;ll beat the sh*t out of you and won&#39;t bring you to court&#33;&#39;<br /><br />Anyway, does anyone here have a confirmation on this? dzi921 Jobs &amp; Careers Mon, 14 Jan 2008 23:28:51 +0800 http://forum.lowyat.net/topic/587132 I went to Genting Highlands on the 07/12/2007 to watch XL Crazy SUPER Show.<br /><br /><img src='http://img291.imageshack.us/img291/7200/xlcrazysupershow2007yg7.jpg' border='0' alt='user posted image' /><br /><br />I will be posting 12 series of pictures shortly dzi921 Showcase Sat, 08 Dec 2007 13:42:16 +0800 http://forum.lowyat.net/topic/584386 Is this Bach High Performance Spring good?<br />Cost me RM220 for 4 pieces<br /><br /><img src='http://img403.imageshack.us/img403/9297/image001az2.jpg' border='0' alt='user posted image' /><br /><br /><img src='http://img403.imageshack.us/img403/6080/image002dc7.jpg' border='0' alt='user posted image' /> dzi921 The Fast &amp; The Furious Tue, 04 Dec 2007 10:30:02 +0800 http://forum.lowyat.net/topic/583934 Guess which picture belongs to which camera?<br /><br />Edit: Answer revealed<br /><br /><b>Image 1</b> (Sony DSC-H3)<br /><img src='http://img291.imageshack.us/img291/2985/36978921ga2.jpg' border='0' alt='user posted image' /><br /><br /><b>Image 2</b> (Pentax K10D)<br /><img src='http://img86.imageshack.us/img86/3685/71050246os1.jpg' border='0' alt='user posted image' /> dzi921 Photography, Digital Imaging &amp; Video Mon, 03 Dec 2007 17:05:46 +0800 http://forum.lowyat.net/topic/560429 <b>Sony DSC-H3</b><br /><br /><img src='http://img145.imageshack.us/img145/7404/sonyh33q001bc4.jpg' border='0' alt='user posted image' /><br /><br />I just purchased this camera. I will be posting some random shots. Comments and Critics are welcome <!--emo&:)--><img src='http://static.lowyat.net/style_emoticons/default/smile.gif' border='0' style='vertical-align:middle' alt='smile.gif' /><!--endemo--><br /><br />Index:<br /><a href='http://forum.lowyat.net/index.php?showtopic=560429&view=findpost&p=14257161' target='_blank'>Playground (Kepong)</a><br /><a href='http://forum.lowyat.net/index.php?showtopic=560429&view=findpost&p=14257174' target='_blank'>Cactus (Macro Shot)</a><br /><a href='http://forum.lowyat.net/index.php?showtopic=560429&view=findpost&p=14257183' target='_blank'>Tong Kee&#39;s Egg Tart (Sri Petaling)</a><br /><a href='http://forum.lowyat.net/index.php?showtopic=560429&view=findpost&p=14268327' target='_blank'>Snow White (1 Utama)</a><br /><a href='http://forum.lowyat.net/index.php?showtopic=560429&view=findpost&p=14273344' target='_blank'>Cameron&#39;s Jagung</a><br /><a href='http://forum.lowyat.net/index.php?showtopic=560429&view=findpost&p=14278581' target='_blank'>Jacob&#39;s Biscuit (1 Utama) - Part 1</a><br /><a href='http://forum.lowyat.net/index.php?showtopic=560429&view=findpost&p=14289274' target='_blank'>Jacob&#39;s Biscuit (1 Utama) - Part 2</a><br /><a href='http://forum.lowyat.net/index.php?showtopic=560429&view=findpost&p=14403598' target='_blank'>Old Town Kopitiam (Ipoh)</a><br /><a href='http://forum.lowyat.net/index.php?showtopic=560429&view=findpost&p=14403744' target='_blank'>Aeon Bukit Tinggi</a><br /><a href='http://forum.lowyat.net/index.php?showtopic=560429&view=findpost&p=14403884' target='_blank'>Disney - Season Glitter & Sparkle (Aeon Bukit Tinggi)</a><br /><a href='http://forum.lowyat.net/index.php?showtopic=560429&view=findpost&p=14403943' target='_blank'>Koong Woh Tong (Aeon Bukit Tinggi)</a><br /><a href='http://forum.lowyat.net/index.php?showtopic=560429&view=findpost&p=14404299' target='_blank'>Japan-Iwate Fair (Aeon Bukit Tinggi)</a><br /><a href='http://forum.lowyat.net/index.php?showtopic=560429&view=findpost&p=14416302' target='_blank'>Gurney Drive (Penang)</a><br /><a href='http://forum.lowyat.net/index.php?showtopic=560429&view=findpost&p=14426180' target='_blank'>The Crown Jewel Hotel Penang</a><br /><a href='http://forum.lowyat.net/index.php?showtopic=560429&view=findpost&p=14426212' target='_blank'>Tortoise Fountain (The Crown Jewel Hotel Penang)</a><br /><a href='http://forum.lowyat.net/index.php?showtopic=560429&view=findpost&p=14426302' target='_blank'>Beach (The Crown Jewel Hotel Penang)</a><br /><a href='http://forum.lowyat.net/index.php?showtopic=560429&view=findpost&p=14434374' target='_blank'>Padi Field (Kota Sarang Semut)</a><br /><a href='http://forum.lowyat.net/index.php?showtopic=560429&view=findpost&p=14434379' target='_blank'>Restoran Kam Wan (Ipoh)</a><br /><a href='http://forum.lowyat.net/index.php?showtopic=560429&view=findpost&p=14442869' target='_blank'>Kenny Rogers (Kinta City Ipoh)</a><br /><a href='http://forum.lowyat.net/index.php?showtopic=560429&view=findpost&p=14454184' target='_blank'>Ayam Garam Aun Kheng Lim (Ipoh)</a><br /><a href='http://forum.lowyat.net/index.php?showtopic=560429&view=findpost&p=14466025' target='_blank'>Chui Kuih</a><br /><a href='http://forum.lowyat.net/index.php?showtopic=560429&view=findpost&p=14466031' target='_blank'>Chilli Padi Plant</a><br /><a href='http://forum.lowyat.net/index.php?showtopic=560429&view=findpost&p=14467751' target='_blank'>King Pear</a><br /><a href='http://forum.lowyat.net/index.php?showtopic=560429&view=findpost&p=14482788' target='_blank'>Jusco MaxValu (Desa Park City)</a><br /><a href='http://forum.lowyat.net/index.php?showtopic=560429&view=findpost&p=14496897' target='_blank'>KLCC (Inside)</a><br /><a href='http://forum.lowyat.net/index.php?showtopic=560429&view=findpost&p=14514269' target='_blank'>California Pizza Kitchen (KLCC)</a><br /><a href='http://forum.lowyat.net/index.php?showtopic=560429&view=findpost&p=14532462' target='_blank'>KLCC (Outside) - Part 1</a><br /><a href='http://forum.lowyat.net/index.php?showtopic=560429&view=findpost&p=14549702' target='_blank'>KLCC (Outside) - Part 2</a><br /><a href='http://forum.lowyat.net/index.php?showtopic=560429&view=findpost&p=14566325' target='_blank'>KLCC (Reflection)</a><br /><a href='http://forum.lowyat.net/topic/587132' target='_blank'>XL Crazy SUPER Show (Genting Highlands)</a><br /><a href='http://forum.lowyat.net/index.php?showtopic=560429&view=findpost&p=14577921' target='_blank'>KLCC (Water Fountain)</a><br /><a href='http://forum.lowyat.net/index.php?showtopic=560429&view=findpost&p=14590884' target='_blank'>KLCC (Me) - Part 1</a><br /><a href='http://forum.lowyat.net/index.php?showtopic=560429&view=findpost&p=14605974' target='_blank'>KLCC (Me) - Part 2</a><br /><a href='http://forum.lowyat.net/index.php?showtopic=560429&view=findpost&p=14605981' target='_blank'>KLCC (Me) - Part 3</a><br /><a href='http://forum.lowyat.net/index.php?showtopic=560429&view=findpost&p=14621471' target='_blank'>Restaurant Che Go Korean BBQ (Aeon Bukit Tinggi)</a><br /><br />For more: Visit <a href='http://dzi921.livejournal.com' target='_blank'>http://dzi921.livejournal.com</a> dzi921 Showcase Sat, 24 Nov 2007 21:05:59 +0800 http://forum.lowyat.net/topic/558415 Easy Pha-max<br /><a href='http://www.easypha-max.com/corp/home.jsp' target='_blank'>http://www.easypha-max.com/corp/home.jsp</a><br /><br />Is this another MLM company? dzi921 Finance, Business and Investment House Wed, 21 Nov 2007 18:38:16 +0800 http://forum.lowyat.net/topic/552949 <b>Public Sector Select Fund</b><br /><a href='http://www.publicmutual.com.my/page.aspx?name=pssf' target='_blank'>http://www.publicmutual.com.my/page.aspx?name=pssf</a><br />Equity Fund<br />400 Million Units<br />13 November 2007<br />Aggressive<br /><br /><b>Public Islamic Sector Select Fund</b><br /><a href='http://www.publicmutual.com.my/page.aspx?name=pissf' target='_blank'>http://www.publicmutual.com.my/page.aspx?name=pissf</a><br />Equity fund (Shariah)<br />400 Million Units<br />13 November 2007<br />Aggressive<br /><br />Promotional service charge of 5.45% of NAV per unit during offer period (13 November 2007 to 3 December 2007) dzi921 Finance, Business and Investment House Tue, 13 Nov 2007 09:43:15 +0800 http://forum.lowyat.net/topic/547568 Taken from Meet the Millionaire Next Door (pg 40)<br /><br /><b>Do you wish to become affluent and stay affluent? </b><br /><br />Definition of affluent:<br /><a href='http://dictionary.reference.com/search?r=2&q=affluent' target='_blank'>http://dictionary.reference.com/search?r=2&q=affluent</a><br />-adjective<br />1. having an abundance of wealth, property, or other material goods; prosperous; rich: an affluent person.<br />2. abounding in anything; abundant.<br />3. flowing freely: an affluent fountain.<br />-noun<br />4. a tributary stream.<br />5. an affluent person: a luxurious resort appealing to young affluents.<br /><br /><b>Can you answer &quot;Yes&quot; candidly and honestly to four simple questions?</b><br /><br />Question1: Does your household operate on an annual budget?<br /><br />Question2: Do you know how much your family spends each year for food, clothing, and shelter?<br /><br />Question3: Do you have a clearly defined set of daily, weekly, monthly, annual and lifetime goals?<br /><br />Question4: Do you spend a lot of time planning your financial future?<br /><br /><br /> dzi921 Finance, Business and Investment House Sun, 04 Nov 2007 10:07:56 +0800 http://forum.lowyat.net/topic/547567 Taken from Meet the Millionaire Next Door (pg 13)<br /><br />Whatever your age, whatever your income, how much should you be worth right now?<br /><br />From years of surveying various high-income/high-net worth people, we have developed several multivariate-based wealth equations. A simple rule of thumb, however, is more than adequate in computing one&#39;s expected net worth<br /><br /><b>Multiply your age times your realized pretax annual household income from all sources except inheritances. Divide by ten. This, less any inherited wealth, is what your net worth should be.</b><br /><br />E.g. of Net Worth:<br />Salary per month = RM3,000<br />Age = 25<br />(25 * (RM3,000*12)) / 10 = RM90,000<br /><br />Given your age and income, how does your net worth match up?<br />Where do you stand along the wealth continuum?<br /><br />If you are in the top quartile for wealth accumulation, you are a <b>PAW</b> (prodigious accumulator of wealth)<br /><br />If you are in the bottom quartile for wealth accumulation, you are a <b>UAW</b> (undere accumulator of wealth)<br /><br />We have developed another simple rule. to be well positioned in the PAW category, you should be worth twice the level of wealth expected.<br /><br />Eg.<br />Net Worth = RM90,000<br />Wealth = RM90,000*2 = RM180,000<br /><br />PAW = If the Wealth is approximately RM180,000 or more<br />UAW = If the Wealth is Approximately RM45,000 or less (half the Net Worth)<br /><br /><b>So are you are PAW or UAW?</b> dzi921 Finance, Business and Investment House Sun, 04 Nov 2007 09:53:07 +0800 http://forum.lowyat.net/topic/545312 I just came across this advert in today&#39;s thestar page N27 on this<br />Anyone got comments about this. Seems meet my objective of 10% gain per year<br /><br /><b>Structured Islamic Deposit ( STRIDE-i )</b><br /><a href='http://www.maybank2u.com.my/business/treasury/stride_i.shtml' target='_blank'>http://www.maybank2u.com.my/business/treasury/stride_i.shtml</a><br /><br />Maybank has introduced their new Structured Islamic Deposit (STRIDE-i). It is Maybank&#39;s first Syariah-compliant Capital Protected Structured Deposit.<br /><br />The Maybank STRIDE-i offers:<br />- 9.80% guaranteed returns upon maturity<br />- 100% capital protection*<br />- Investment tenure of 4 years<br />- Upside maximum potential returns of up to 38.80%**<br /><br />* When held till maturity<br />** Subject to the performance of underlying commodities <br /><br />Investment in NIDCs must be in minimum denominations of RM50,000 and multiples of<br />RM50,000. dzi921 Finance, Business and Investment House Wed, 31 Oct 2007 09:24:12 +0800 http://forum.lowyat.net/topic/544426 A new year is 2 months ahead... Have you planned for your new year&#39;s resolution?<br /><br />Here&#39;s mine:-<br />Public Mutual Gold member - Personal Milestone<br />No new gadget (unless necessary) - This is a high expense to me now<br />No luxury food (except special occasion) - This is a high expense to me now<br />No alcohol (except special occasion) - Health purpose<br />Exercise twice per week - Health purpose<br />Read 8 financial books - Knowledge purpose<br /><br />Maybe it is still early, but I&#39;m planning ahead<br /><br />Come join and share your resolutions <!--emo&:)--><img src='http://static.lowyat.net/style_emoticons/default/smile.gif' border='0' style='vertical-align:middle' alt='smile.gif' /><!--endemo--><br /><br />PS, Not Kopitiam dzi921 Finance, Business and Investment House Mon, 29 Oct 2007 18:20:11 +0800 http://forum.lowyat.net/topic/542903 Have you written your WILL?<br /><br />If yes, from which provider? How much does it cost?<br /><br />If no, when do you plan to write? dzi921 Finance, Business and Investment House Fri, 26 Oct 2007 18:42:56 +0800 http://forum.lowyat.net/topic/542612 Just saw a big advert in NST today page 15<br /><br /><b>Simpanan Tetap-i</b><br />Dijamin oleh kerajaan<br /><br />Highest returns for your investment at 4.10% (12 months term)<br />Based on the mudharabah profit sharing contract<br />Open to all - Muslim and Non-Muslim<br />Available at all BSN branches nationwide<br /><br />Profit Rates:<br />3.56% - 1 Month<br />3.67% - 3 Months<br />3.86% - 6 Months<br />3.95% - 9 Months<br />4.10% - 12 Months<br />4.35% - 36 Months<br />4.60% - 60 Months dzi921 Finance, Business and Investment House Fri, 26 Oct 2007 09:49:42 +0800