Lowyat.NET: Latest topics by creativ

When Will The Islamic Republic of Iran Fall?

creativ — Sat, 03 Jan 2026 10:24:52 +0800

[YOUTUBE]v7zkp8zn8rs?si=KDgZUmMlbzI0_KYs[/YOUTUBE]
My fellow countrymen,

Today I want to share with you a clearer picture of what is necessary and necessary to bring down this regime. My words are especially with the people of Tehran who, with their courage, started the new phase of national uprising.

The Islamic Republic is trying to prevent the formation of rallies in Tehran; because it knows very well that conquering the streets of Tehran and other capitals will seriously accelerate its fall.

To overcome regime’s repression, there is one way forward: the presence of millions of people across the city, and at the same time, creating blockades at key hubs and major roads.

In order to accomplish this, we must first overcome our fears and know that if we conquer the streets, the regime will quickly lose the power and will to oppress.

The solution is to go to the nearest street to your neighborhood, find each other, then walk hand in hand to the city's central streets.

I assure you that with a flood of millions, the regime's repressive forces will not be able to stand. Many will retreat and a few will join the people.

Conquering the streets of Tehran and capitals with the presence of millions of people is a vital step and complement the concerns of the people who are bravely standing against repressive forces in smaller cities.

I request you all to share this message with your friends and prepare for such a big event.

We will take Iran back together and rebuild it.

- Iran Crown Prince Reza Pahlavi

Source: https://www.facebook.com/share/v/1DYf2obwYk/

Vidio propaganda israhell

Thu, 01 Jan 1970 07:30:00 +0800

What Caller ID App You Using?

creativ — Mon, 17 Oct 2022 09:00:35 +0800

Currently using trucaller premium for about a year, feel like switching cause truecaller is too complicated for my liking

Would you try public transport since it's free?

creativ — Fri, 17 Jun 2022 08:44:38 +0800

Some say it's not a pre election candy but long term behaviourial change plan. What say you?

Home Insurance - Sum Insured

creativ — Mon, 11 Dec 2017 13:39:23 +0800

I've finished paying my house loan.

The HouseOwner insurance that was purchased with the loan where the beneficiary was the bank, is now been terminated.

So I am shopping for HouseOwner Insurance (not the basic Fire Insurance) for my house:
* 22 X 75 Basic Double Story Terrace House
* Current Market Price is around 900k

My question is:

1. How much should the sum insured be? Any recommendation

2. What does the below clause in the insurance policy mean?

QUOTE

Average
If the market value of the property insured at the time of any loss is collectively of higher value than the sum insured stated in the Schedule, then You will be responsible for the difference and bear a proportional share of the loss. The sharing of proportional loss will apply separately to each item insured.

I'm seen a few pictures of house being damaged by fire which is creeping me out.

HDMI Cable

creativ — Mon, 12 Aug 2013 18:31:18 +0800

Hi

I'm looking to buying a HDMI cable (about 4m long) to connect my laptop to my Digital TV.
I found out the cable cost about RM60+

Everywhere I look, it's about this price; is this normal, or was I looking at high end expensive HDMI cable that cost so much.

Waterproof Watch

creativ — Sat, 04 May 2013 18:02:14 +0800

Can anyone recommend good & affordable waterproof digital watch for swimming?

I've read, that many watches, although claiming to be water resistant, they still fog up.

Snorkeling with Swimming Goggles and Snorkel

creativ — Wed, 10 Apr 2013 17:14:47 +0800

Can I snorkel with swimming goggles and a snorkel (i.e. without the Mask) ? Has anyone tried?

Trying to save some money during my holiday at an island. Masks (prescription or not) are expensive. Trying to make use what I already have, which is my prescription swim goggles.

Maybank2u Coin Box

creativ — Mon, 25 Feb 2013 16:00:10 +0800

Has anybody used Maybank2u Coin Box?

I understand it's a mobile app to partition your Savers/Savers-i (main account) into sub accounts, and manage the sub-account from the app itself, but can the sub-account be managed using Maybank2U website too?

I'm thinking of using it to manage my money "jar" - personal finance.

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Book Cover or Protector or Jacket

creativ — Sun, 06 Jan 2013 10:07:09 +0800

I'm looking for book cover/protector/jacket on the local retail market, but couldn't seem to find many varieties.

I only found a small amount of choices in MPH by BookLoverStuff

Does anyone know where else I can find more choices?

Boglehead Investing

creativ — Mon, 08 Oct 2012 13:57:08 +0800

Hi,

I recently completed a few books on low-cost index investing and looking on how could I apply it to myself as a Malaysian.

Boglehead investing is an investing philosophy by Jack Bogle:

1. Save, live below your means
2. Invest in low-cost broad-based index funds, avoid actively-managed funds
3. Diversify
4. Buy and hold, stay on course, ignore market news
5. Rebalance periodically

Some books that follow this investing philosophy:

1. Millionaire Teacher: The Nine Rules of Wealth You Should Have Learned in School
2. The Little Book of Common Sense Investing
3. The Four Pillars of Investing: Lessons for Building a Winning Portfolio
4. A Random Walk Down Wall Street: The Time-Tested Strategy for Successful Investing
5. The Coffeehouse Investor: How to Build Wealth, Ignore Wall Street, and Get On with Your Life
and many others....

I would like to know if any Malaysian out there is practicing this method of investing given the fact that there are virtually no low-cost index funds available for the Malaysian investing public, and only a pathetically handful of ETFs on Bursa, and we do not have Vanguard

Please share your experience on how you go about doing it.

Conceal Electrical Wires in Wall DIY

creativ — Sun, 26 Aug 2012 17:57:34 +0800

I've been frequently DIY installing electrical stuff (ceiling fan, lights, socket extension) in my house. All this while I've been using pvc casing, or electrical pipes to "conceal" the wires on the wall surface which, I think it looks ugly

I do not know how conceal the wires in the wall, and wish I can learn from those who has done it before - the Malaysian version - from the brand and type of cement/plaster, water-cement-sand mix ratio, type of pipes (pvc?), depth and tools of hacking, anything else to look out for?

First Aid Training

creativ — Fri, 03 Aug 2012 13:52:08 +0800

Hi,
Have anyone attended a public first aid training before? Any recommendation?
I think it's very important for my wife and I to attend on, even more so since now we have kids

Thanks/

Yes 4G (IPSEC VPN Compatibility)

creativ — Fri, 03 Aug 2012 12:45:23 +0800

Hi,
Has anyone tried to connect to your company's VPN (Virtual Private Network) through Yes 4G?

Just want to know before I sign up for a 24 month contract with Yes package. No point signing up if I can't use it with VPN.

I appreciate your feedback

Buying From Developer

creativ — Thu, 08 Jul 2010 01:05:44 +0800

I'm buying a service appartment from a developer.

S&P Legal fee is "free". Loan documentation Legal free is also free if the developer lawyer is used.

My questions is, should I appoint a lawyer to represent me as the purchaser? According to the developers lawyer, it's waste of money, S&P is governed by HDA. In the entire working career of the developer lawyer, he has never encountered purchaser appoints own lawyer.

Can someone please advise?

Maybank Trading Accounts. What's the Difference?

creativ — Mon, 20 Jul 2009 12:04:34 +0800

I am looking at opening a share trading account with maybank, but M2U website is confusing me.. There seem to be 2 share trading accounts advertised...

Maybank Share Trading / Margin Financing (Maybankinvest) <-- Link

Maybank Investment Bank Share Trading <-- Link

Which should I choose?

Thanks.

KWSP Housing Monthly Withdrawal

creativ — Tue, 28 Oct 2008 15:11:25 +0800

I received a forwarded email with the below contents. Is this true that KWSP would do such a thing?

Subject: SCAM by KWSP

This is another method for KWSP to steal our money!

Remember during Budget 2008 announcement last yr, our Finance Minister (cum PM) announced that in order to assist KWSP members to reduce the burden in housing load repayment, KWSP will allow monthly withdrawal from members' A/C II for the purpose?
Sounds like a nice goodies!
When you apply for the monthly withdrawal, you only need to provide KWSP yr housing loan & instalment details
from yr bank and the bank a/c # you like KWSP to bank the monthly
withdrawal into it. KWSP will approve yr
application based on the available amt in yr A/C II and compute the withdrawal period by dividing the approved amt with the monthly instalment amt. Application process takes about a month and you will receive the monthly payout promptly into yr bank a/c!
Well everything appear to be nice and good. It was indeed a noble plan until you take to close look at yr KWSP Statement!

The withdrawal plan is actually a SCAM!

This is how the KWSP SCAM works.......

Assuming you have RM100,000 in yr A/C II and yr housing loan's monthly instalment is RM2000/mth.
KWSP will approve yr application of withdrawal from yr A/C II of RM100,000 and pay you RM2000/mth for the next 50mths.
Everything appears to be in order BUT.......

What KWSP didn't highlight to you is that when the application was approved, the TOTAL AMT (RM100,000) is removed from yr A/C II! It appears to be transfered to an unknown a/c to effect the monthly payment from therein.

The impact to the member are as follows :-
1. You just lost RM100,000 from yr A/C II. Assuming the KWSP Dividend is 5%, you will lose >RM4,000 in dividend during the 1st year. Based on the above example you will will lose >RM10,000 over the 50 mths period!
2. There is no statement to account for the amt approved vs amt paid, hence you would need to keep the monthly payment voucher to reconcile against the approved amt over the 50mths period to ensure there is no missing amt!

Assuming there are 100,000 members who innocently fell prey to this SCAM, based on the above example, KWSP would have cheated the members of 100,000 X RM10,000 = RM1,000,000,000 (that's RM1 BILLION) over the period!

Furthermore, if you discovered this SCAM early and intend to stop the plan, KWSP would not allow any cancellation of the plan until at least 1 year. That would mean, once the application is approved, based on the above example, you would have lost >RM4,000.
100,000 members would have lost 100,000 X RM4,000 = RM400,000,000 (RM400 MILLION) in One Year!!!

If you're a victim of this KWSP SCAM, would suggest you call yr MP to raise hell in Parliament!
For others who have not fallen into this SCAM, pls continue to watch out and alert yr family & friends about this.

Maybank2u.Premier A/C (Current Account)

creativ — Wed, 13 Aug 2008 16:35:54 +0800

My online statement reads
31-Jul-2008 INTEREST CHARGED RM5.00
30-Jun-2008 INTEREST CHARGED RM5.00
26-Jun-2008 HALF-YEARLY SERVICE CHARGE RM10.00

My account was negative (- RM14) up until 12 July. So I thought maybe INTEREST CHARGED on 30-Jun is because of that. But on 31-Jul INTEREST was CHARGED again!

Maybank is slowly sucking my account dry like a leach.