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        <title>Lowyat.NET: Latest topics by captivesim</title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Sat, 06 Jun 2026 06:35:34 +0800</lastBuildDate>
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        <item>
            <title>How to Withdraw USDT?</title>
            <link>http://forum.lowyat.net/topic/5415015</link>
            <description>As titled, How to withdraw?</description>
            <author>captivesim</author>
            <category>Bitcoin &amp;amp; Cryptocurrencies</category>
            <pubDate>Thu, 19 Oct 2023 23:32:30 +0800</pubDate>
        </item>
        <item>
            <title>Canada Student Visa</title>
            <link>http://forum.lowyat.net/topic/5169434</link>
            <description>Who has done it before, can anyone provide a timeline?&lt;br /&gt;&lt;br /&gt;1) Medical check-up, when to do it?&lt;br /&gt;2) letter of good conduct needed?&lt;br /&gt;&lt;br /&gt;after that, I submit biometric?</description>
            <author>captivesim</author>
            <category>Education Essentials</category>
            <pubDate>Tue, 13 Jul 2021 21:00:21 +0800</pubDate>
        </item>
        <item>
            <title>No more psu bantuan prihatin. busines how?</title>
            <link>http://forum.lowyat.net/topic/5078911</link>
            <description>this year still can tahan cause have psu. next month totally cant. sad.</description>
            <author>captivesim</author>
            <category>Kopitiam</category>
            <pubDate>Mon, 28 Dec 2020 19:09:17 +0800</pubDate>
        </item>
        <item>
            <title>Much business closing as no more PSU extension</title>
            <link>http://forum.lowyat.net/topic/5075456</link>
            <description>Life will get more difficult next month.........</description>
            <author>captivesim</author>
            <category>Kopitiam</category>
            <pubDate>Mon, 21 Dec 2020 08:46:54 +0800</pubDate>
        </item>
        <item>
            <title>Canada Student Visa</title>
            <link>http://forum.lowyat.net/topic/5058401</link>
            <description>Hi all, &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;How long does it take?&lt;br /&gt;&lt;br /&gt;Do i need medical check up ?</description>
            <author>captivesim</author>
            <category>Education Essentials</category>
            <pubDate>Mon, 16 Nov 2020 10:04:43 +0800</pubDate>
        </item>
        <item>
            <title>How long for Covid 19 test result out?</title>
            <link>http://forum.lowyat.net/topic/5046576</link>
            <description>as titled, how long need to wait?</description>
            <author>captivesim</author>
            <category>Kopitiam</category>
            <pubDate>Fri, 23 Oct 2020 21:50:56 +0800</pubDate>
        </item>
        <item>
            <title>Loan Rescheduling Repayment covid</title>
            <link>http://forum.lowyat.net/topic/5024549</link>
            <description>Hi there, is there anyone apply for this?&lt;br /&gt;25 to 75% reducing in loan till end of next year&lt;br /&gt;&lt;br /&gt;immediate approval.. whats the catch&amp;gt;?</description>
            <author>captivesim</author>
            <category>Finance, Business and Investment House</category>
            <pubDate>Thu, 10 Sep 2020 19:47:12 +0800</pubDate>
        </item>
        <item>
            <title>Why some bankers has fallen?</title>
            <link>http://forum.lowyat.net/topic/5004053</link>
            <description>I got a call, banker from H... L..... Bank wanna sell me something , I don&amp;#39;t know why he don&amp;#39;t want to disclose just saying its an investment plan 6-9% return 6 year plan. I assume its insurance + saving. &lt;br /&gt;  &lt;br /&gt;The condition is must meet face to face . he told me this is black white under bank negara. &lt;br /&gt;&lt;br /&gt;I told him send me some basic info first, he asked me go bank website and read. &lt;br /&gt;&lt;br /&gt;Due to covid 19 , I don&amp;#39;t want meet. He say must meet in order to disclose. &lt;br /&gt;&lt;br /&gt;Cant even zoom. I though now all bank products are online and transparent. no?&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;*</description>
            <author>captivesim</author>
            <category>Kopitiam</category>
            <pubDate>Wed, 29 Jul 2020 18:05:56 +0800</pubDate>
        </item>
        <item>
            <title>Should I stop Insurance for Kids?</title>
            <link>http://forum.lowyat.net/topic/5003861</link>
            <description>kids age 7 and 3 . monthly need pay rm 300 for both. plz advice on cheap alternative</description>
            <author>captivesim</author>
            <category>Kopitiam</category>
            <pubDate>Wed, 29 Jul 2020 13:15:32 +0800</pubDate>
        </item>
        <item>
            <title>Hurray Tomorrow Holiday &amp;#33; 22nd July</title>
            <link>http://forum.lowyat.net/topic/4999946</link>
            <description>Yes, its a holiday for Sarawak Independence Day. &lt;br /&gt;&lt;br /&gt;We were strucked by Highest Covid 19 cases in whole malaysia. past few days numbers increased drastically. &lt;br /&gt;&lt;br /&gt;The best hadiah to Sarawak for this year is ...... just stay at home&amp;#33; &lt;br /&gt;&lt;br /&gt;Happy Merdeka Sarawak. I just hope you are safe and healthy..&lt;br /&gt;&lt;br /&gt;&lt;a href='https://pictr.com/image/7ruZOP' target='_blank'&gt;&lt;img src='https://pictr.com/images/2020/07/21/7ruZOP.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;</description>
            <author>captivesim</author>
            <category>Kopitiam</category>
            <pubDate>Tue, 21 Jul 2020 20:24:17 +0800</pubDate>
        </item>
        <item>
            <title>Employer , have you receive Socso Subsidy Upah ?</title>
            <link>http://forum.lowyat.net/topic/4960199</link>
            <description>mine stil pending at permohonan baru 1. tried calling perkeso nobody answer. &lt;br /&gt;&lt;br /&gt;Tq</description>
            <author>captivesim</author>
            <category>Kopitiam</category>
            <pubDate>Tue, 12 May 2020 14:50:51 +0800</pubDate>
        </item>
        <item>
            <title>Socso Halt Processing ERP Wage Subsidie ..</title>
            <link>http://forum.lowyat.net/topic/4953509</link>
            <description>My application from socso was Lulus 2 weeks ago but till now no see money in account . &lt;br /&gt;&lt;br /&gt;your company still pay employee full salary?&lt;br /&gt;&lt;br /&gt;&lt;a href='https://www.malaysiakini.com/news/523526' target='_blank'&gt;https://www.malaysiakini.com/news/523526&lt;/a&gt;</description>
            <author>captivesim</author>
            <category>Kopitiam</category>
            <pubDate>Fri, 01 May 2020 17:05:54 +0800</pubDate>
        </item>
        <item>
            <title>Youtube Malaysia Facebook Ads Guru</title>
            <link>http://forum.lowyat.net/topic/4938616</link>
            <description>Hi there, anyone teach fb ads in youtube in Malaysia? for free&lt;br /&gt;&lt;br /&gt;Must be from Malaysia cause i want to learn from Malaysian context as it might be slightly different.&lt;br /&gt;&lt;br /&gt;FYI, if you want to follow western guru got a few : Bahieza, franckin Hachett, gabriel germain...&lt;br /&gt;&lt;br /&gt;</description>
            <author>captivesim</author>
            <category>Kopitiam</category>
            <pubDate>Tue, 07 Apr 2020 12:21:19 +0800</pubDate>
        </item>
        <item>
            <title>Subsidy : 3 months x Rm 600 for each employee</title>
            <link>http://forum.lowyat.net/topic/4932577</link>
            <description>quoted from NST&lt;br /&gt;&lt;br /&gt;RM600 will be channelled to each employee with a salary of less than RM4,000 per month for a period of three months, and whose employers experienced a 50 per cent drop in income since Jan 1.&lt;br /&gt;&lt;br /&gt;Employers, he said, should ensure no worker is laid off or forced to take unpaid leave for three months after the programme is implemented.&lt;br /&gt;&lt;br /&gt;“Employers are also not allowed to deduct any amount from an employee’s existing salary.&lt;br /&gt;&lt;br /&gt;Is this confirm ?</description>
            <author>captivesim</author>
            <category>Kopitiam</category>
            <pubDate>Sat, 28 Mar 2020 12:39:00 +0800</pubDate>
        </item>
        <item>
            <title>Covic19 How you talk to Landlord about next rental</title>
            <link>http://forum.lowyat.net/topic/4930270</link>
            <description>Hi all, for those small business owner. &lt;br /&gt;&lt;br /&gt;I am renting a premise to do business but no income generated/&lt;br /&gt;&lt;br /&gt;How do you talk / negotiate with landlord regarding next few month rentals due to covic19.</description>
            <author>captivesim</author>
            <category>Kopitiam</category>
            <pubDate>Tue, 24 Mar 2020 23:17:56 +0800</pubDate>
        </item>
        <item>
            <title>Do I really need buy insurance for 2yo baby?</title>
            <link>http://forum.lowyat.net/topic/4762162</link>
            <description>My insurance agent intro to buy.</description>
            <author>captivesim</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Fri, 05 Apr 2019 16:59:35 +0800</pubDate>
        </item>
        <item>
            <title>Video shooting stablizer and Editor</title>
            <link>http://forum.lowyat.net/topic/4759241</link>
            <description>Hi guys,&lt;br /&gt;&lt;br /&gt;some questions regarding video production&lt;br /&gt;&lt;br /&gt;1) What video shooting stabilizer you use (budget max Rm 200)&lt;br /&gt;2) what mic you use to hook on your body while talking&lt;br /&gt;3) How you edit video by putting a pin of a location or indication in video of a building &lt;br /&gt;&lt;br /&gt;Thanks ya.</description>
            <author>captivesim</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Sat, 30 Mar 2019 10:06:41 +0800</pubDate>
        </item>
        <item>
            <title>Any STEM Education Programme ?</title>
            <link>http://forum.lowyat.net/topic/4759052</link>
            <description>Education programme or tools to help teaching kids. &lt;br /&gt;&lt;br /&gt;hands on skill or motor skills also can.</description>
            <author>captivesim</author>
            <category>Education Essentials</category>
            <pubDate>Fri, 29 Mar 2019 17:51:23 +0800</pubDate>
        </item>
        <item>
            <title>Buy more properties and in financial stress?</title>
            <link>http://forum.lowyat.net/topic/0</link>
            <description></description>
            <category>Property Talk</category>
            <pubDate>Thu, 01 Jan 1970 07:30:00 +0800</pubDate>
        </item>
        <item>
            <title>Do you make &amp;#036;&amp;#036; Education Franchise Business?</title>
            <link>http://forum.lowyat.net/topic/4751032</link>
            <description>5 years of Franchise fee + New Center setup + Royalty + Materials + Expenses (rental , gaji, utility etc)  = Rm 50K + RM 50k + Rm 75k + rm 75k + Rm 360k = Rm 610k&lt;br /&gt;&lt;br /&gt;Based on currently student per center average  5 years = min 80 students x Rm 200 monthly fee x 60 months = Rm 960k&lt;br /&gt;&lt;br /&gt;Nett for 5 years= 350k&lt;br /&gt;Monthly Nett = 5.8k&lt;br /&gt;&lt;br /&gt;If continue next 5 years business pay Renewal Fee + royalty + expenses= Rm 480k&lt;br /&gt;Monthly Nett = 8k &lt;br /&gt;&lt;br /&gt;Just based on this and not other external factors, Is this a good deal and ROI?</description>
            <author>captivesim</author>
            <category>Finance, Business and Investment House</category>
            <pubDate>Tue, 12 Mar 2019 10:27:32 +0800</pubDate>
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