Lowyat.NET: Latest topics by WTF2008

Folic acid intake for pregnancy

WTF2008 — Thu, 04 Mar 2021 15:56:17 +0800

Hi ,

Would like to know, is it good to take folic acid 5mg during pregnancy from beginning?

Or when suppose to take it?

Thanks

TOGAF or PMP

WTF2008 — Fri, 04 Oct 2019 16:16:09 +0800

Hi All,

Would like to get some insight referring TOGAF or PMP certification related query.

May i know which is the better cert path to go for? Assuming for someone would like to head for solution architect role.

Thanks in advance

EPF - self contribution

WTF2008 — Fri, 01 Mar 2019 11:34:12 +0800

Hi All,

Have a quick question on self contribution for EPF.

I came thru across below statement in EPF portal. Does that mean if we want to deposit in money to EPF to earn the dividend. Max per year we only can put in 60k?

==========================================

Payment Limit

1. No minimum amount (only in Ringgit); AND
2. Maximum of RM60,000 yearly effective January 2013.

The accumulated maximum limit for Self Contribution, the i-Saraan (previously known as the SP1M) and Top Up Savings Contribution is RM60,000 yearly.

==========================================

THanks

Need process advise to remove the directorship

WTF2008 — Fri, 04 Jan 2019 10:58:05 +0800

Hi All,

I would like to know what is the process in order remove ownself from the company directorship?

I tried call to SSM for enquiry, however none of them pick up the call and request to leave contact and only return the call within 14 days.

Here is the situation:-

My friend have a company registered to SSM this early of year with under 2 ppl name, 1 of it is my friend.

Both registered under director for this company under 50:50 shares. My friend is a sleeping partner for this company, however they are making loss and would like remove himself from this company. Another partner is at overseas now and ignoring the company operation. THere is no complaint or any outstanding debt now but afraid it might have in future.

What is the process to remove my friend from this company directorship? Or if my friend with 50% shares have a right to terminate the company, he would like to do so. In summary, my friend just want to cut all relationship with the registered company, what is process or move he can do?

Thanks

what is the worst scenario for failing to pay loan

WTF2008 — Fri, 14 Dec 2018 20:44:52 +0800

Hi All,

Asking this behalf of fren and would like to know what is the consequences for below scenario ?

Let say someone got personal loan from Bank A and B.

And if he didnt manage to pay the monthly installment for this 2 PL for 6 month let say?

He will get bad ccris score and blacklisted from all bank for future loan.

Other than that, what else it could be?

Can the bank freeze his account ? if he got bank account at bank C?

Can bank sue him and declare him as bankrupt and confiscated his assets ?

Need advise.

Thanks

Need advise to stay or take the new offer?

WTF2008 — Sat, 29 Sep 2018 10:23:26 +0800

Hi All,

Need advise, currently in dilemma to take the new offer or stay with current company.

Current Company (6 years with the company)
=============
Company type : BPO
Role: Manager
Industry : IT
Salary : 11000
Office distance : 10km from home
Benefit: Normal standard package
Bonus : 20% from annual salary
Glassdoor review : 2.8 / 5
Environment: Great team and have a very good relationship with the boss and trust me a lot. Worklife balance.
But company itself not really doing well, losing money every quarter and its affected our pay growth certainly.

New Offer
=======
Company type: Healthcare
Role: Engineer
Industry : IT
Salary: 13650
Office distance : 45km from home
Benefit: Very good , more than what my current company provide plus 16% epf
Bonus: recruiter say cant reveal, but he say certainly more than 20%
Glassdoor review : 4.2 / 5
Environment: Unknown but from glassdoor reviews, looks ok, worklife balance, etc. Healthcare company i guess, wont go wrong.

Need advise, should i stay or take the new offer? To be honest, the only thing hold me back is the travel distance, because certainly the commuting expenses is higher than what im spending now, so not sure if its worth with 20% increase but increase commuting expenses, not to say , commuting hours is higher as well.

What else should i consider?

Thanks

Will you accept?

WTF2008 — Tue, 14 Aug 2018 14:56:44 +0800

Hi All,

Lets say if you had an offer and you notice that the role is a backfill and its been empty for past 4 months.

WIll you still accept this offer?

Consideration point - why this role can empty for 4 months? Sounds like not needed? or any others possibility?

Thanks

Need advise on next step

WTF2008 — Thu, 09 Aug 2018 19:45:33 +0800

Hi all,

I completed 1st and 2nd interview few days back at 1 of the MNC company.

Im being told by the recruiter im doing well and being shortlisted for the next move which is personality assessment.

Completed the test as well and waiting for 2 days now but no news yet.

Shall i keep waiting or follow up with the recruiter ONLY after a week?

And how importance is the personality assessment ? or just a SOP thingy?

Any hiring manager or experienced recruiter can share their view how personality assessment play a role in interview stage?

Many thanks in advance!!

[WTS]Focus Point voucher RM 800

WTF2008 — Sat, 04 Aug 2018 17:53:12 +0800

Item(s): Focus Point Voucher worth RM 800

Price: Let go at RM 700(negotiable)

Dealing method: THe voucher is registred under my name, hence the voucher only can claim with showing my IC. We will need to meet at up any Focus Point shop and you pick any item worth RM 800. I will pay the shop with the voucher and you can pay me back on the spot.

Location: Prefer any Focus Point shop at KL\PJ

Contact method/details: PM ME

Reason for sale: Not needed

Insurance policy for new car

WTF2008 — Tue, 24 Jul 2018 15:54:07 +0800

Hi All ,

Need advise on where to get my insurance policy. I bought a new car a months back, my SA bought my car insurance under Berjaya Sompo.

I havent receive anything yet for the insurance policy. Who should contact on this matters?

My SA is not helpful, so im looking for others alternative.

THanks

Calcium supplement for pregnancy

WTF2008 — Mon, 23 Jul 2018 09:36:37 +0800

Hi All,

Anyone can recommend what sort of calcium supplement is recommend for pregnant woman? Or any good food source?

P/S: My wife is vegetarian

Thanks in advance.

checklist or procedure to collect new car

WTF2008 — Mon, 11 Jun 2018 09:19:01 +0800

Hi Bros and sis,

Mind to share what is procedure collect your new car?

Also what to check before you sign to collect the car? Checklist?

Thanks

Car insurance

WTF2008 — Fri, 08 Jun 2018 14:24:05 +0800

Hi Sifus,

Need advise for below situation. Im in the mid of settle the downpayment for the new car as i just sign the HPA yesterday.

Lets say, the amount of deposit i need to pay is 50k (inclusive insurance near to 2k)

So the SA asking me to pay 48k to the car company while 2k pay to him because he say himself is insurance agent as well and pay behalf of me, so i just need to pay her back.

Is there anything i should concern over here? Or anything i need to get from him as the payment proof?

Or its normal and i can go ahead to pay 48k to the car company and 2k to SA for insurance?

Need urgent advise as tomorrow im going to settle the downpayment.

THanks

How NCD is calculated

WTF2008 — Mon, 28 May 2018 09:02:15 +0800

Hi bros and sis,

Just bought a new car value 130k, insurance near to 4k(inclusive gst). Need help on below scenario NCD case:-

1. Transfer NCD from existing car to new car, i can save half of it, with reduction of -55% for first year, which mean my insurance would be around 2k.
Does that mean the next year and moving foward, the renewal would be 2k as well?

2. Without NCD, insurance 4k. So next year renewal would be 3k referring below table, 1st year deduct -25% and so forth as below table?

Claim Free Year of Insurance (for car) NCD Entitlement
After 1 continuous claim free year 25%
After 2 continuous claim free years 30%
After 3 continuous claim free years 38.33%
After 4 continuous claim free years 45%
After 5 continuous claim free years and beyond 55%

Reason im asking, im not sure how NCD calculated + the NCD is under my parent name. I dont mind if the new car under my parent name if i transfer the NCD since its save a lot.

But if item 2 , calculation correct, thought of having own NCD as well.

Need advise to confirm if item 1 and 2, correct calculation?

Thanks

X-trail vs Cx 5

WTF2008 — Wed, 28 Feb 2018 09:45:43 +0800

Hi Bros and sis,

Im looking for SUV car and currently comparing X-trail and Cx 5, with following specs:-

1.) X-trail 2.0L = RM 137,000

2.) Cx-5 2.0G 2WD (GL) = RM 136,405

In term of pricing, both very close. Anyone have experience to compare both car, looking forward for the recommendation.

*Plan go to the showroom this weekend, to test them out.

Good deal? BMW X1 sdrive20i 2014

WTF2008 — Fri, 20 Oct 2017 19:13:55 +0800

Hi All,

Is it a good deal?

BMW X1 sdrive20i 2014 , no more warranty.(But can extend it, waiting the price of warranty extend)

Price: 125k

Checked the car quality, looks good and accident free as per sales man say.

Should i nego again for better price ?

What is the ideal price?

Need advise from all experts.

Thanks in advance

Worth go for used BMW X1 sDrive20i ?

WTF2008 — Mon, 09 Oct 2017 21:06:41 +0800

Hi All,

Im currently looking for SUV and tempted for X1, main reason is due to BMW and want to drive at least once while im still young. My budget is around 130k and used X1 is within the budget. As usual, main concern is the maintenance cost after purchase.

A lil bit of my background:-

Finance: Making 9.1k net and currently after deduct all my expenses, house loan, etc , im saving 4.5k monthly.
Current car: Driving 9 yrs old Vios.

Looking at carlist, 2015 X1 sold at 120k which is within my range. Not too sure if the advertise price is correct as im notice older car is more expensive than this 1?

https://www.carlist.my/used-cars/2015-bmw-x...gh-spec/3890614

If i standby rm 300 monthly as a maintenance fees, is it sufficient to maintain a 2015 BMW X1 ?

Is it worth to go for to get used 2014/2015 BMW X1 ?

Need all sifus advise.

Thanks in advance

WTB - Bow Tie Collar Shirt

WTF2008 — Mon, 04 Apr 2016 17:53:55 +0800

Hi All,

Want to know where else i can shop for Bow Tie Collar Shirt?

Checked at G2000, Topman, Uniqlo, Padini, Marks and Spencer, all no luck

Any ideas where else i can get it?

Thanks all in advance.

GSM frequency bulk sms sender

WTF2008 — Mon, 26 Jan 2015 00:36:46 +0800

Hi All,

Does anyone play with this device before?

https://www.youtube.com/watch?v=MNpmJEPi-Kw

Any idea, how can i setup this with others country?

If any of you, have similar product please do PM me as well

Please advise.

Thanks

HLA Income Builder

WTF2008 — Thu, 19 Jul 2012 13:21:58 +0800

Hi All Bro and Sis,

Did anyone heard before about HLA Income Builder before?

Is it safe to invest on it?