http://forum.lowyat.net/ Fri, 05 Jun 2026 17:21:39 +0800 FeedCreator 1.7.2 http://forum.lowyat.net/topic/0 Kopitiam Thu, 01 Jan 1970 07:30:00 +0800 http://forum.lowyat.net/topic/5375047 So recently I started a youtube channel talking about personal finance stuff. But It&#39;s kinda growing very slowly... So obviously I don&#39;t know what I don&#39;t know.<br /><br />I&#39;m trying to improve so I appreciate /k punya feedback. Is my delivery too lousy? Topic too lousy? What kind of topics would you like to see more of?<br /><br />This is my most recent video<br /><!--SPOILER BEGIN--><div class="spoilertop" onClick="openClose('0e6f663bfebbfefa1fe0e1e3aaa41d18')" style="font-weight: bold"><u>&raquo; Click to show Spoiler - click again to hide... &laquo;</u></div><div class="spoilermain" id="0e6f663bfebbfefa1fe0e1e3aaa41d18" style="display:none"><!--SPOILER END-->[YOUTUBE]KzJ6FPGtgtY[/YOUTUBE]<br />[YOUTUBE]sh7U-9GKavI[/YOUTUBE]<br /><br /><!--SPOILER DIV--></div><!--SPOILER DIV--><br /><br />Nah kasi upah sikit<br /> thelws LYN Content Creators, Streamers &amp; Youtubers Wed, 26 Apr 2023 10:14:04 +0800 http://forum.lowyat.net/topic/5335644 My finger very clumsy. Always terkena the logout button when I really want to click the kopi logo.<br /><br />Move the logout button somewhere else cannot accidentally terkena. <br /><br />Siapa agree with me?<br /><br /><a href='https://pictr.com/image/EmKoNA' target='_blank'><img src='https://pictr.com/images/2022/12/04/EmKoNA.md.jpg' border='0' alt='user posted image' /></a> thelws Kopitiam Sun, 04 Dec 2022 12:00:35 +0800 http://forum.lowyat.net/topic/5332468 can someone confirm? i heard anuar purposely start parliament eearly so that he don&#39;t have to deal with umno election which is a few days later apparently? thelws Kopitiam Fri, 25 Nov 2022 08:34:24 +0800 http://forum.lowyat.net/topic/5332029 or they sinkalan still saying minority gov but with mou? thelws Kopitiam Thu, 24 Nov 2022 13:58:30 +0800 http://forum.lowyat.net/topic/5331897 You see, this GE, they really doing all the right things. Don&#39;t know is it because rafizi advise them or they really step up their pr game.<br /><br />Whatever it is, they really know how to take opportunity to get brownie points.<br /><br />Looks like this time dap&gt;pas thelws Kopitiam Thu, 24 Nov 2022 12:10:31 +0800 http://forum.lowyat.net/topic/5331310 Is there such a thing nowadays?<br /><br />I have a monitor but the screen start to flicker, and then the colour suddenly got blue tint.<br /><br />Kinda like this monitor. Or my only op[tion is to buy a new one terus? thelws Kopitiam Wed, 23 Nov 2022 08:43:33 +0800 http://forum.lowyat.net/topic/5331169 We have precedence for things like this. Many other countries already had similar issues.<br /><br />And all follow the same formula which is to let the person with highest seat become pm first.<br /><br />Why agong dowan to follow? thelws Kopitiam Tue, 22 Nov 2022 19:33:12 +0800 http://forum.lowyat.net/topic/5331144 tmr at 1030. Habislah...<br /><br /> thelws Kopitiam Tue, 22 Nov 2022 18:36:02 +0800 http://forum.lowyat.net/topic/5330827 The end game is redelineation.<br />It&#39;s not budget or minority gov or whatever.<br /><br />As long as nuar becomes pm, the parliment hung for another 5 years also no problem.<br /><br />Because as long as we don&#39;t redelineate, our votes will never truly be equal.<br /><br />BN want to play atas pagar? go ahead, by default nuar will be pm.<br /><br />Also redelineation for sarawak is 2023. that&#39;s why abang jo so kan cheong don&#39;t want to let PH be leader thelws Kopitiam Tue, 22 Nov 2022 11:09:42 +0800 http://forum.lowyat.net/topic/5329951 pH has most seats and most absolute votes. But suka hati small parties can gabung to claim they are winner. <br /><br />The rakyat&#39;s wishes are not respected. How can we tell agong that our votes must be respected? thelws Kopitiam Sun, 20 Nov 2022 19:53:30 +0800 http://forum.lowyat.net/topic/5329873 Right now although hung parliament, PH should form government.<br /><br />What&#39;s the point of doing election if the losers can all band together and form majority. Like that democracy tak ada guna. All the party suka hit can claim the biggest. thelws Kopitiam Sun, 20 Nov 2022 17:59:41 +0800 http://forum.lowyat.net/topic/5329799 Now that bn is weak, he is no longer a threat. anwar will be pm, then put his own party as ministers. <br /><br />after this all they need to do is redelineation and then next ge can kick bn out.<br /><br />win thelws Kopitiam Sun, 20 Nov 2022 15:45:32 +0800 http://forum.lowyat.net/topic/5329521 TLDR:<br />Anwar should be made PM until parliament convenes because he has the most mandate from the public by virtue of having the highest seats.<br /><br />It is unconstitutional to appoint anyone else just because they claim party x supports me to form majority.<br /><br />Once parliament convenes, if you really got the numbers, you can no confidence motion anwar out.<br /><br />Sekian.<br /><br /><a href='https://www.themalaysianinsight.com/s/411750' target='_blank'>https://www.themalaysianinsight.com/s/411750</a><br /><!--SPOILER BEGIN--><div class="spoilertop" onClick="openClose('553b3f400f2baa4ab5498965ff429d3e')" style="font-weight: bold"><u>&raquo; Click to show Spoiler - click again to hide... &laquo;</u></div><div class="spoilermain" id="553b3f400f2baa4ab5498965ff429d3e" style="display:none"><!--SPOILER END-->THE consensus among watchers of the polls is that it will be a close outcome, after the ballots are counted and results announced this weekend: a finish too close to call.<br /><br />However, what happens if none of the coalition crosses the magic line of 112 seats? How would the new prime minister be appointed?<br /><br />The critical point to keep in mind is that the new prime minister must represent popular will. He must enjoy the mandate of the voters who just expressed their choice at the ballot box.<br /><br />The legal position is clear. Article 43(2)(a) of the Federal Constitution provides that the king shall first appoint as prime minister a member of the Dewan Rakyat “who in his judgment is likely to command the confidence of the majority of the members of the Dewan”.<br /><br />This goes to the heart of parliamentary democracy, not just in Malaysia, but across the globe, whether practised in the Westminster tradition or otherwise.<br /><br />Unlike the presidential system, in Malaysia the government is responsible and accountable to the elected house, the Dewan Rakyat; in particular, to get legislation through, including the annual budget.<br /><br />Hence, it is a condition precedent for the person appointed as Prime Minister that he or she must at<br /><br />all times enjoy the confidence, that is, support, of at least 112 members of the 222-strong Dewan Rakyat.<br /><br />Guidance should be sought from the experience of other Commonwealth countries sharing a similar system.<br /><br />Perhaps the closest example would be the position in February 1974 when UK Prime Minister Ted Heath lost his majority in the 635-seat parliament.<br /><br />The results were as follows: Labour (301), Conservative (297), Liberal (14), Others 23.<br /><br />Ted Heath resigned as the Conservative prime minister although there were talks with the Liberal party to form a coalition.<br /><br />Subsequently, Harold Wilson, as the leader of the largest party, was invited to form the government.<br /><br />Labour was short of the 318-seat majority, but was invited to form a government as the party with the most seats.<br /><br />Its margin over the Conservatives was just four seats, but a coalition between the second and third largest parties would have resulted in 311 seats, 10 more that Labour.<br /><br />Yet Labour was tasked to form the administration.<br /><br />A strong convention has developed in many parliamentary democracies that when no party or coalition is able to reach the magic 50%-plus-one-seat to form the majority, the head of state will appoint the leader of the party or coalition that has the highest number of seats.<br /><br />This is simply because this person enjoys the mandate from the voters in the just concluded general elections and should be given the first opportunity to form a cabinet.<br /><br />Then, when parliament convenes (typically a month or two after polling day), he or she has to secure a motion of confidence in the elected house.<br /><br />It is merely another application of the “first past the post” principle which underpins our electoral system.<br /><br />Applying that convention here would mean that among the three realistic candidates for the office of prime minister as president of their respective coalitions, namely – Ahmad Zahid Hamidi, Anwar Ibrahim and Muhyiddin Yassin – the person whose coalition wins the highest number of seats must be appointed prime minister, even if his coalition does not secure 112 seats, as soon as it is convenient.<br /><br />In Malaysia, it would be on Sunday.<br /><br />He can then form a cabinet and build up numbers to secure a motion of confidence by the time parliament meets.<br /><br />Appointing any other candidate would be anti-democratic, and would be repugnant to the wishes of<br /><br />millions of voters who had just cast their ballots.<br /><br />There is no legal or political reason why this convention of long standing cannot be applied to Malaysia on Saturday evening and early Sunday morning.<br /><br />In order to depersonalise the discussion, let us call the 3 candidates Mr X, Mr Y and Mr Z.<br /><br />It would be unconstitutional if Mr X’s coalition has secured 80 seats, Mr Y’s coalition 45 seats and Mr Z’s coalition the balance 40 seats out of the 165 seats in Malaya (there are 31 in Sarawak, 25 in Sabah and 1 in Labuan), and Mr Y is made the prime minister simply because he claims Mr Z also supports him, making a total of 85 seats.<br /><br />Instead, the only constitutional option in this rhetorical example would be for Mr X to be appointed prime minister because his coalition was the most popular, thereby earning him the first right to form a government, and secure support from another 32 seats by the time parliament is convened.<br /><br />Mr X is entitled to a fair trial in government, at least until it is clear by a confidence defeat that he does not enjoy support in the Dewan Rakyat.<br /><br />Further, two or three parties in Sabah and Sarawak may join Mr X’s coalition or at least not vote against him in a confidence motion, thereby ensuring Mr X’s government comfortably remaining in power for some time.<br /><br />Needless to say, if Mr Z’s coalition secures 112 seats, the palace must call him.<br /><br />In that scenario, there is no other option; Mr Z must become prime minister.<br /><br />It must always be kept in mind that the king, like other constitutional monarchs, cannot bring his personal preference into decision-making.<br /><br />He must be above party politics and represent the national interest. Further, the palace must not be involved, directly or indirectly, in the bargaining and negotiations that may take place after the<br /><br />results are known: that is solely for the politicians to sort out.<br /><br />Finally, as millions of Malaysians would have just voted, the wishes of the majority must be respected by the palace; after all that is why we have a system of government by parliamentary democracy in the first place. – November 15, 2022.<!--SPOILER DIV--></div><!--SPOILER DIV--> thelws Kopitiam Sun, 20 Nov 2022 08:24:33 +0800 http://forum.lowyat.net/topic/5329074 You see la...<br /><br /> thelws Kopitiam Sat, 19 Nov 2022 15:09:26 +0800 http://forum.lowyat.net/topic/5328365 Wife asking if just left 2nd finger no nail stuff enough to vote? Or must while hand all clean thelws Kopitiam Thu, 17 Nov 2022 15:09:06 +0800 http://forum.lowyat.net/topic/5326192 Hi guys, crowdsource a bit. Plz help me compile a list of managed funds or robo advisors. Basically any fund that you don&#39;t trade yourself. There&#39;s just too many out there. Would be nice to have some kind of master list of the popular products out there.<br /><br /><b>Micro investment </b><br />-raiz<br /><br /><b>Money market fund</b><br />tngo<br />KDI<br />Versa<br />Stashaway<br />POEM<br />FSM RHB money market fund<br /><br /><b>regular unit trust (etf, everything else)</b><br />wahed<br />FSM<br />POEM<br /><br /><b>gold funds</b><br />hello gold<br /><br /><b>Syariah compliant</b><br />Wahed<br />Best<br />Raiz<br /><br /><b>p2p lending</b><br />microleap<br />Funding society <br />Fundastic<br />pitchIN thelws Finance, Business and Investment House Fri, 11 Nov 2022 08:25:47 +0800 http://forum.lowyat.net/topic/5326104 i want to find an house loan overpayment calculator. all the ones i find on internet macam rosak je...<br /><br />do you have any that you like to use? thelws Kopitiam Thu, 10 Nov 2022 21:18:58 +0800 http://forum.lowyat.net/topic/0 Kopitiam Thu, 01 Jan 1970 07:30:00 +0800 http://forum.lowyat.net/topic/0 Kopitiam Thu, 01 Jan 1970 07:30:00 +0800