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        <title>Lowyat.NET: Latest topics by </title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Fri, 05 Jun 2026 08:04:26 +0800</lastBuildDate>
        <generator>FeedCreator 1.7.2</generator>
        <item>
            <title>regading property related insurance</title>
            <link>http://forum.lowyat.net/topic/2852030</link>
            <description>&lt;!--QuoteBegin-exkaizen+Aug 9 2012, 10:03 AM--&gt;&lt;div class='quotetop'&gt;QUOTE(exkaizen &amp;#064; Aug 9 2012, 10:03 AM)&lt;/div&gt;&lt;div class='quotemain'&gt;&lt;!--QuoteEBegin--&gt;Hi... I&amp;#39;m just bought a house without MRTT. my insurance application rejected due to I&amp;#39;m obese.&lt;br /&gt;&lt;br /&gt;Is there alternative to get &lt;b&gt;MRTA/MRTT/MLTA &lt;/b&gt;for my house?&lt;br /&gt;[right][snapback]53699342[/snapback][/right]&lt;br /&gt;&lt;!--QuoteEnd--&gt;&lt;/div&gt;&lt;!--QuoteEEnd--&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;refering to the topic ( cant continues bcoz it was closed  &lt;!--emo&amp;:)--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/smile.gif' border='0' style='vertical-align:middle' alt='smile.gif' /&gt;&lt;!--endemo--&gt;  ) &lt;br /&gt;&lt;br /&gt;anyone can help to explain wat is the difference among this insurance ? tq in advance  &lt;!--emo&amp;:peace:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/icon_rolleyes.gif' border='0' style='vertical-align:middle' alt='icon_rolleyes.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:thumbs:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/thumbup.gif' border='0' style='vertical-align:middle' alt='thumbup.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>maggi</author>
            <category>Finance, Business and Investment House</category>
            <pubDate>Mon, 17 Jun 2013 08:58:00 +0800</pubDate>
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            <title>regarding retention fee</title>
            <link>http://forum.lowyat.net/topic/2844756</link>
            <description>Everyone involved in construction and project type business will know that there is always some amount of retention sum (usually 5-10% of contract sum) is held by client until the project is totally completed, while for constructor , they have a risk having the sum 5-10% being held by client. &lt;br /&gt;&lt;br /&gt;This sum can have a very high chance of becoming un-collectible bad debts or losing the interest rate , or giving company hard time to get the funding for the company&amp;#39;s operation. &lt;br /&gt;&lt;br /&gt;I wonder anyone here can comment or give opinion on how to reduce this risk ? &lt;br /&gt;&lt;br /&gt;any RELEVANT opinion is welcome  &lt;!--emo&amp;:D--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/biggrin.gif' border='0' style='vertical-align:middle' alt='biggrin.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:clap:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/rclxms.gif' border='0' style='vertical-align:middle' alt='rclxms.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>maggi</author>
            <category>Finance, Business and Investment House</category>
            <pubDate>Tue, 11 Jun 2013 09:44:09 +0800</pubDate>
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            <title>how do you answer ....</title>
            <link>http://forum.lowyat.net/topic/2838026</link>
            <description>ok, i have face this question many times asked by boss in my few employment experiences ...&lt;br /&gt;&lt;br /&gt;just wan to know how do you guys answer when your direct boss/superior/ manager ask how do you feel after working for few days or how do you think about our department/company/culture  &lt;!--emo&amp;:D--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/biggrin.gif' border='0' style='vertical-align:middle' alt='biggrin.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;&lt;br /&gt;is this a test or just an ice breaking session  &lt;!--emo&amp;:nod:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/nod.gif' border='0' style='vertical-align:middle' alt='nod.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;;)--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/wink.gif' border='0' style='vertical-align:middle' alt='wink.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>maggi</author>
            <category>Jobs &amp;amp; Careers</category>
            <pubDate>Wed, 05 Jun 2013 17:26:12 +0800</pubDate>
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            <title>Quit before secure a job offer</title>
            <link>http://forum.lowyat.net/topic/2751910</link>
            <description>hi all, &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;anyone have this experience to quit ur job even before you get any job offer or attend any interview ? &lt;br /&gt;&lt;br /&gt;you just decide to quit the job impulsively due to dissatisfaction with current work, frustrated to some managements&amp;#39; decision etc etc...  &lt;!--emo&amp;:sweat:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/sweat.gif' border='0' style='vertical-align:middle' alt='sweat.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;&lt;br /&gt;and also share the tips on how you interview when ppl like to ask u : &amp;quot; y u quit ur current job&amp;quot; &lt;br /&gt;of coz you wouldn&amp;#39;t say the answer in ur mind as it might makes u seems so naive and immature &amp;#33; &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;thanks in advance for all ur sharing  &lt;!--emo&amp;;)--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/wink.gif' border='0' style='vertical-align:middle' alt='wink.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>maggi</author>
            <category>Jobs &amp;amp; Careers</category>
            <pubDate>Wed, 27 Mar 2013 11:39:48 +0800</pubDate>
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        <item>
            <title>PTPTN discount by 20%</title>
            <link>http://forum.lowyat.net/topic/2528354</link>
            <description>&lt;a href='http://www.nst.com.my/latest/discount-to-facilitate-ptptn-loan-repayment-pm-1.149738' target='_blank'&gt;ptptn discount ? &lt;/a&gt;&lt;br /&gt;&lt;br /&gt;hi everyone, may i know how does this discount work ? has been paying consistently but seems like the statement never reduce  &lt;!--emo&amp;:(--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/sad.gif' border='0' style='vertical-align:middle' alt='sad.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;for this discount do we need to apply ? how bout the 10% discount ....does it means that we pay consistently, the 10% will automatic deducted from our staement?  &lt;!--emo&amp;:help:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/icon_question.gif' border='0' style='vertical-align:middle' alt='icon_question.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:help:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/icon_question.gif' border='0' style='vertical-align:middle' alt='icon_question.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;TQ&amp;#33;&lt;br /&gt;&lt;br /&gt;[addedon]September 29, 2012, 1:14 pm[/addedon]&lt;a href='http://www.ptptn.gov.my/web/guest/bajet2013' target='_blank'&gt;sos ptptn &lt;/a&gt;&lt;br /&gt;&lt;br /&gt;Belanjawan 2013 : Diskaun mudahkan bayaran PTPTN&lt;br /&gt;&lt;br /&gt;Beberapa insentif berupa pemberian diskaun akan diperkenalkan bagi memudahkan proses pembayaran balik pinjaman Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN), kata Perdana Menteri Datuk Seri Najib Tun Razak.&lt;br /&gt;&lt;br /&gt;Najib, yang juga Menteri Kewangan berkata insentif pertama adalah diskaun 20 peratus daripada jumlah pinjaman kepada peminjam yang menyelesaikan hutang sekali gus dalam tempoh setahun bermula 1 Okt 2012 hingga 30 Sept 2013.&lt;br /&gt;&lt;br /&gt;&amp;quot;Manakala, bagi mereka yang membayar pinjaman secara konsisten mengikut jadual mulai 1 Okt 2012, diskaun 10 peratus setahun akan diberikan,&amp;quot; katanya ketika membentangkan Belanjawan 2013 di Dewan Rakyat hari ini.&lt;br /&gt;&lt;br /&gt;Perdana Menteri turut mengingatkan para peminjam bahawa hukum membayar hutang adalah wajib dan pinjaman PTPTN merupakan satu amanah.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Bagi menggalakkan sikap menabung untuk pendidikan, Perdana Menteri berkata pelepasan cukai sebanyak RM3,000 bagi Skim Simpanan Pendidikan Nasional (SSPN) sedia ada juga akan dinaikkan kepada RM6,000</description>
            <author>maggi</author>
            <category>Education Essentials</category>
            <pubDate>Sat, 29 Sep 2012 13:11:04 +0800</pubDate>
        </item>
        <item>
            <title>break &amp;#33;</title>
            <link>http://forum.lowyat.net/topic/2214352</link>
            <description>dear All, &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;may i know this problem can still be fix or no hope at all  &lt;!--emo&amp;:cry:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/cry.gif' border='0' style='vertical-align:middle' alt='cry.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:cry:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/cry.gif' border='0' style='vertical-align:middle' alt='cry.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;is yes ...how  &lt;!--emo&amp;:(--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/sad.gif' border='0' style='vertical-align:middle' alt='sad.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;thanks&lt;br /&gt;</description>
            <author>maggi</author>
            <category>Hardware</category>
            <pubDate>Sun, 05 Feb 2012 11:48:40 +0800</pubDate>
        </item>
        <item>
            <title>snowflake</title>
            <link>http://forum.lowyat.net/topic/0</link>
            <description></description>
            <category>Finance, Business and Investment House</category>
            <pubDate>Thu, 01 Jan 1970 07:30:00 +0800</pubDate>
        </item>
        <item>
            <title>snowflake</title>
            <link>http://forum.lowyat.net/topic/2008337</link>
            <description>Snowflake  ~ snowflake &lt;br /&gt;everyone in town is talking about it now, but the branches is located in a few spot around KL only unlike the other F&amp;amp;b company. &lt;br /&gt;&lt;br /&gt;it is a family business or franchise? &lt;br /&gt;&lt;br /&gt;discuss and share ur opinion  &lt;!--emo&amp;:)--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/smile.gif' border='0' style='vertical-align:middle' alt='smile.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>maggi</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Tue, 23 Aug 2011 09:49:55 +0800</pubDate>
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            <title>investing in long term/big project</title>
            <link>http://forum.lowyat.net/topic/2001738</link>
            <description>hi all, want to get ur opinion , is it a good idea to invest in company that are involving in big and long project , such as high way, dam, power plant or railway ? &lt;br /&gt;</description>
            <author>maggi</author>
            <category>Stock Exchange</category>
            <pubDate>Wed, 17 Aug 2011 22:58:48 +0800</pubDate>
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        <item>
            <title>audit vs commercial</title>
            <link>http://forum.lowyat.net/topic/1973690</link>
            <description>dear all, &lt;br /&gt;&lt;br /&gt;M in a dilemma choosing between two career, 1st option is to work as auditor in Crowe Horwarth and 2nd option is to work as account assistant in a MNC. &lt;br /&gt;&lt;br /&gt;all i can say is mnc offer a &lt;b&gt;very&lt;/b&gt;  good salary as compared to the audit job, but my concern is i never do any audit job b4 and straight joined in commercial would it be make me less competitive when i wan to fight for higher position in future (such as manager, financial controller or even director &lt;!--emo&amp;:blush:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/blush.gif' border='0' style='vertical-align:middle' alt='blush.gif' /&gt;&lt;!--endemo--&gt; ) &lt;br /&gt;&lt;br /&gt;most of the ppl will say audit will give u better chance to get higher position as compare to those who never do audit b4? is this true? or working in commercial and the accumulate experience in commercial will give value added to our self? &lt;br /&gt;&lt;br /&gt;share ur advice/opinion/thoughts/ etc&lt;br /&gt;&lt;br /&gt;thanks.  &lt;!--emo&amp;:)--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/smile.gif' border='0' style='vertical-align:middle' alt='smile.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>maggi</author>
            <category>Jobs &amp;amp; Careers</category>
            <pubDate>Tue, 26 Jul 2011 22:23:51 +0800</pubDate>
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        <item>
            <title>Certified Internal Auditor</title>
            <link>http://forum.lowyat.net/topic/1950051</link>
            <description>&lt;a href='http://www.iiam.com.my/' target='_blank'&gt;official website&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;the is the website of the organization that provide the recognition of Certified Internal Auditor, i wonder anyone in can share their further opinion about this field? &lt;br /&gt;&lt;br /&gt;And please give your advice on the route to get the recognition. where by exam, academic background (ACCA, CIMA, ICAEW, CPA OR ICSA) or MICPA , MIA . &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;</description>
            <author>maggi</author>
            <category>Education Essentials</category>
            <pubDate>Sat, 09 Jul 2011 00:15:25 +0800</pubDate>
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        <item>
            <title>Wilhelmsen</title>
            <link>http://forum.lowyat.net/topic/1460508</link>
            <description>&lt;a href='http://www.wilhelmsen.com' target='_blank'&gt;official website&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;anyone know about this company? the environent ? it is a shipping and i wonder how does it looks like working in such co. &lt;br /&gt;&lt;br /&gt;plz share ur opinion  &lt;!--emo&amp;:clap:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/rclxms.gif' border='0' style='vertical-align:middle' alt='rclxms.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>maggi</author>
            <category>Jobs &amp;amp; Careers</category>
            <pubDate>Thu, 17 Jun 2010 14:52:59 +0800</pubDate>
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            <title>common question to ask employers</title>
            <link>http://forum.lowyat.net/topic/1458894</link>
            <description>hi all, &lt;br /&gt;&lt;br /&gt;after we answer all the question asked by the employers, we should ask some question(s). &lt;br /&gt;&lt;br /&gt;but what is the proper questions to ask while not too &amp;quot;offending&amp;quot;  ? &lt;br /&gt;&lt;br /&gt;thx for sharing  &lt;!--emo&amp;:thumbs:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/thumbup.gif' border='0' style='vertical-align:middle' alt='thumbup.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>maggi</author>
            <category>Jobs &amp;amp; Careers</category>
            <pubDate>Wed, 16 Jun 2010 00:55:52 +0800</pubDate>
        </item>
        <item>
            <title>how to test new phone (touch screen)</title>
            <link>http://forum.lowyat.net/topic/1373985</link>
            <description>how to test a newly bought phone? like whether there is dead pixel or anything ... &lt;br /&gt;&lt;br /&gt;discuss</description>
            <author>maggi</author>
            <category>Mobile Phones and Tablets</category>
            <pubDate>Tue, 30 Mar 2010 17:04:57 +0800</pubDate>
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        <item>
            <title>helpT.T</title>
            <link>http://forum.lowyat.net/topic/1355558</link>
            <description>my lappy restart on it own suddenly , after show a small piece of blue notice (just flash on my screen in less than 1 second) , it is unlikely a blue screen , but how to solve this problem T.T &lt;br /&gt;&lt;br /&gt;since yesterday till now edi 3- 4 times ...  &lt;!--emo&amp;:help:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/icon_question.gif' border='0' style='vertical-align:middle' alt='icon_question.gif' /&gt;&lt;!--endemo--&gt;&lt;br /&gt;&lt;br /&gt;[addedon]March 14, 2010, 2:47 pm[/addedon]oso quite sure the lappy is not overheating as i just start my lappy for few minutes ...</description>
            <author>maggi</author>
            <category>Technical Support</category>
            <pubDate>Sun, 14 Mar 2010 14:44:28 +0800</pubDate>
        </item>
        <item>
            <title>any software can work like photoshop ?</title>
            <link>http://forum.lowyat.net/topic/1328755</link>
            <description>need sugeestion to edit some photo in to 1 pic ... &lt;br /&gt;&lt;br /&gt;any recommended software (freeware)? &lt;br /&gt;also preferable if can add in watermark ... thx in advance  &lt;!--emo&amp;:help:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/icon_question.gif' border='0' style='vertical-align:middle' alt='icon_question.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>maggi</author>
            <category>Multimedia</category>
            <pubDate>Wed, 17 Feb 2010 03:00:44 +0800</pubDate>
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        <item>
            <title>aim for knowledge or salary 1st?</title>
            <link>http://forum.lowyat.net/topic/1303301</link>
            <description>m graduating soon , shud i choose the job which provide a good learning environment or shud i just take those paying higher salary 1 ? &lt;br /&gt;&lt;br /&gt;assuming i m able to choose ....&lt;br /&gt;&lt;br /&gt;share ur opinion and advice plz...  &lt;!--emo&amp;:)--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/smile.gif' border='0' style='vertical-align:middle' alt='smile.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;</description>
            <author>maggi</author>
            <category>Jobs &amp;amp; Careers</category>
            <pubDate>Fri, 22 Jan 2010 15:09:49 +0800</pubDate>
        </item>
        <item>
            <title>logon styler</title>
            <link>http://forum.lowyat.net/topic/1302782</link>
            <description>wta is win7 come with the logon styler itself ? or do we need a software to design the logon screen ?  &lt;!--emo&amp;:unsure:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/unsure.gif' border='0' style='vertical-align:middle' alt='unsure.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>maggi</author>
            <category>Technical Support</category>
            <pubDate>Fri, 22 Jan 2010 00:33:32 +0800</pubDate>
        </item>
        <item>
            <title>need help and suggestions</title>
            <link>http://forum.lowyat.net/topic/1281888</link>
            <description>saw a guy posting his thesis survey like dis &lt;a href='http://forum.lowyat.net/index.php?showtopic=997724&amp;hl=' target='_blank'&gt;link&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;i m having the same problem collecting survey form from my respondents (which involved big companies and VIP) is there other solutions to gain their response?&lt;br /&gt;we already have the apporval letter from school HOD ... &lt;!--emo&amp;:help:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/icon_question.gif' border='0' style='vertical-align:middle' alt='icon_question.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>maggi</author>
            <category>Education Essentials</category>
            <pubDate>Mon, 04 Jan 2010 14:29:10 +0800</pubDate>
        </item>
        <item>
            <title>streamyx different rate for different dealer ?</title>
            <link>http://forum.lowyat.net/topic/0</link>
            <description></description>
            <category>Networks and Broadband</category>
            <pubDate>Thu, 01 Jan 1970 07:30:00 +0800</pubDate>
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