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        <title>Lowyat.NET: Latest topics by ckpk1980</title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Wed, 07 Oct 2026 18:23:44 +0800</lastBuildDate>
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            <title>how to manage my financial situation</title>
            <link>http://forum.lowyat.net/topic/4238797</link>
            <description>i am now 37 years old.. married n hv 3 kids now.. my income is rm7000 (gov servant).. my wife is nt working (taking care the kids)...&lt;br /&gt;&lt;br /&gt;after deduct everything (loan n insurance), i still have rm4000 left to use... but the problem is i not manage to save money.. i am kinda worry... &lt;br /&gt;&lt;br /&gt;but on the other hand, my father is doing palm oil plantation n he is going to pass to me in the future... estimate rm10k to rm20k per month (need to based on market price).. &lt;br /&gt;&lt;br /&gt;my wife said dont need to think about money coz it will just make me stress.. but i do think i need to save money for emergency use...&lt;br /&gt;&lt;br /&gt;how do u divided the rm4000 in order to save money?</description>
            <author>ckpk1980</author>
            <category>Finance, Business and Investment House</category>
            <pubDate>Mon, 27 Mar 2017 07:15:14 +0800</pubDate>
        </item>
        <item>
            <title>how to remove cigaratte smell after smoking</title>
            <link>http://forum.lowyat.net/topic/4198331</link>
            <description>after smoking, brush teeth, use mouthwash, wash hand and chewing sugarless peppermint candy... partner still can notice the cigaratte smell.... &lt;br /&gt;&lt;br /&gt;i believe the smell come from the lung and nose part.... how do u remove the cigaratte smell from there besides stop smoking... any ideas?</description>
            <author>ckpk1980</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Thu, 16 Feb 2017 07:15:36 +0800</pubDate>
        </item>
        <item>
            <title>should i buy mpv car?</title>
            <link>http://forum.lowyat.net/topic/4183224</link>
            <description>my salary is around rm6000-rm7000.&lt;br /&gt;&lt;br /&gt;i have a fully paid myvi and still functioning well.&lt;br /&gt;&lt;br /&gt;after deduct loans (house etc), i have rm4000 to use.&lt;br /&gt;&lt;br /&gt;because i am having my fourth child soon.. i am thinking should i buy a mpv car?? &lt;br /&gt;&lt;br /&gt;my wife is not working so no income.&lt;br /&gt;&lt;br /&gt;can give advices??&lt;br /&gt;&lt;br /&gt;i am working in kota kinabalu.</description>
            <author>ckpk1980</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Wed, 25 Jan 2017 06:53:34 +0800</pubDate>
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