Lowyat.NET: Latest topics by MasBoleh!

Ways to sell back a new under utilised

MasBoleh! — Mon, 30 Mar 2026 17:33:00 +0800

I bought a new washing machine and use it to run a few cycles and seriously dislike it and regretted purchasing it.

Now I wish to sell it off and buy another WM. What are the ways to do it?

I bought it at Harvey Norman, can sell it back to Harvey Norman?

otherwise, is there a platform for me to sell my WM other than Carousell? If any sifu here has similar experience or ideas, please share with me.

Thank you

Tint marble table with ppf

MasBoleh! — Mon, 02 Mar 2026 14:57:52 +0800

I got saw some ads about tinting marble table with ppf recently and my friend also told me since my marble table is new, can tint the ppf then can last very long. Otherwise will have scratches or stain issue.

I wonder is it really necessarily? Anyone here done the tint too? What’s your experience and opinion?

Thank you

New joiners find it tough as financial advisers

MasBoleh! — Wed, 12 Nov 2025 13:46:04 +0800

Strained friendships, rejection, harassment: New joiners find it tough going as financial advisers

Flexible hours, autonomy in shaping their careers and high earning potential are attracting fresh graduates to the industry but public stigma, strained relationships and constant rejection are testing their resolve.

Insurance roadshow at Paya Lebar Square shopping mall on May 2, 2024. (Photo: CNA/Nadhirah Mansor)

Despite knowing that his degree could land him a relatively well-paying job after graduation, data scientist graduate Kyler How found himself hesitant to look for a nine-to-five role.

Realising that he would spend years working for someone else as he slowly climbed the corporate ladder made him feel trapped.

But with little capital to start something of his own, the 25-year-old knew he had few career choices that would offer him autonomy, flexibility and a generous pay cheque.

He decided not to apply for any desk-bound jobs and instead went for a financial advisory (FA) internship.

Financial adviser Kyler How, 25, at Punggol on Nov 6, 2025. (Photo: CNA/Ooi Boon Keong)

"Financial advisory ticks quite a few boxes for me: It's future-proof, offers good money, allows me to be self-employed, and serves as a stepping stone for bigger endeavours," he said of making the choice to join the industry this year, eventually securing a full-time position in July.

In Singapore, financial advisers are generally self-employed, though they typically operate under one firm that oversees compliance and training.

A steady stream of young professionals and fresh graduates like Mr How have been joining the industry over the last few years and making up a significant proportion of insurance firms' workforce.

Insurance company Prudential said that 35 per cent of its 5,400 financial representatives are aged 28 and below, and the number of new joiners aged 20 to 28 rose by 50 per cent between 2022 and 2024.

Data from other insurance companies suggests that young professionals continue to form a significant portion of new joiners in the financial advisory industry.

AIA has observed that 60 per cent of its new joiners are aged 21 to 30, a proportion that has been consistent over the past three years.

"The upward trend of young adults aged 21 to 30 entering the financial advisory industry over the past five years is an industry-wide observation," said Mr Alvin Fu, chief distribution officer at AIA Singapore.

Another firm, Income Insurance, reported a similar trend with their percentage of new financial advisers under the age of 30 at around 58 per cent from 2020 to 2024.

"We're seeing a clear mindset shift among this generation where many are no longer motivated by traditional office structures or fixed nine-to-six jobs," said Mr Tan Hong Tau, chief executive of Manulife Financial Advisers (Manulife FA), who declined to provide details on the proportion of the company's new joiners aged 30 and below.

FLEXIBLE SCHEDULES, AUTONOMY, POTENTIAL EARNINGS

For many young professionals, the decision to become a financial adviser was not driven by a single factor.

Among the common reasons cited however were flexible timings, the autonomy to shape their career in their own way and the earning potential.

Ms Slyvia Ng, 27, who switched from marketing to a career she has now held for over a year, said: "For me, it was largely about the money, but also the freedom and flexibility. I wanted to be able to plan my schedule and decide how I wanted to run my business."

AIA said that its consultants earned an average annual income of about S$94,500 (US$72,479) in 2024 across all ages and experience levels.

Earnings vary widely depending on factors such as individual performance and client base and new consultants typically take more than two years to reach this average annual income, it added.

High performers can also be promoted to the rank of financial services manager where they take on a larger job scope including mentoring other consultants after around two years, earning roughly S$200,000 annually.

For Mr How, it was the flexibility of time that appealed to him especially after he saw how his mentor had diversified his income stream beyond financial advisory by owning other businesses. He encouraged others to do the same and treat their FA work as a second income stream.

He found that many advisers around him also run their own businesses or pursue personal interests such as fitness coaching alongside their FA work.

Mr Rom Lee, chief agency officer (CAO) Prudential Singapore said that financial advisers enjoy a greater degree of flexibility and job independence compared with other roles, allowing them to "choose how they spend their time" as well as fulfil their entrepreneurial ambitions.

The challenging job market is another reason young workers are turning to the industry.

Mr How recalled hearing from peers about relentless job application rejections and poor work-life balance, which made self-employment seem like a promising path.

For some, like Ms Charmain Chong, 23, personal experiences played a significant role too. Her first encounter with the concept of insurance was at the age of 19, when her mother suffered a stroke.

Financial adviser Charmain Chong, 23. More young adults are becoming financial advisers despite the stigma and realities of the job. (Photo: CNA/Raj Nadarajan)

"We didn't really know what insurance was about, but the agent sat me down and ran me through what my mum was covered for, which gave me reassurance," she recalled.

The experience left a lasting impression, even before she had to decide whether to continue down the electrical engineering route she had started in polytechnic.

After graduation, Ms Chong found herself at a crossroads. She was unsure about continuing in engineering, which she saw as a male-dominated field and potentially limiting without further studies. She also worried about having to face the challenge of a mid-career switch later on.

Curious about alternative paths, she decided to try out a personal assistant role at a financial advisory firm.

Around the same time, further family health crises – her second aunt's stroke, her grandfather's third cancer diagnosis, and her grandmother's first – reinforced her interest in the industry.

Four years later in 2023, she officially began her career as a financial adviser.

"All of this built the momentum for me to enter this line," she said.

"Now, I have a very strong conviction that I'm here to serve and help my clients."

While some enter financial advisory as a deliberate choice shaped by personal experiences, others stumble into it through recruitment pitches and the promise of financial know-how.

Across university group chats, glossy recruitment messages often advertise internships promising opportunities to learn about financial planning and personal growth.

Ryan, who declined to give his full name as he is still working in the finance industry, was a first-year business student at a local university when he saw one of these advertisements on Telegram, which proved too intriguing to ignore.

The post highlighted the chance to gain financial literacy and wealth management skills – competencies that seemed directly relevant to his course of study.

"I honestly didn't realise it was an FA role at first, I just wanted to be more financially literate," said the 25-year-old.

As part of the programme, he completed several Capital Markets and Financial Advisory Services (CMFAS) examinations, eventually earning his licence and stepping into the role of a FA for seven months while still a student.

LOST FRIENDSHIPS, IRATE CLIENTS

From the outside, young FAs often appear to lead glamorous lives – their social media feeds showcasing award ceremonies, networking events, and big-ticket milestones such as new cars or condominium units.

Financial advisers CNA TODAY spoke to however said that the work often carries pressures and challenges hidden beneath its polished exterior.

One of the first hurdles is public distrust, largely fuelled by a handful of "black sheep" with questionable sales practices.

The Financial Industry Disputes Resolution Centre (FIDReC) reported that the number of claims handled by the centre involving licensed financial advisers and insurance brokers rose from 25 in 2023 to 80 this year, as at the end of October.

Of the total cases FIDReC handled up to October this year, about 13 per cent involved market conduct issues such as misselling or misrepresentation, though these were not limited to financial advisory cases.

Like many in the field, Ms Ng has had to contend with the fallout from others' missteps – agents who missell products to clients unfamiliar with the plans, especially seniors.

"As a result, some elderly might even shout at you when you approach them, and just because you represent the same firm, you end up bearing the repercussions of other agents' mistakes," Ms Ng said.

Public distrust aside, there's also the need to have a thick skin to deal with the high rate of rejection.

Ms Chee Kai Xin, 23, currently a university student FA, knows this struggle well.

When she first joined the industry in 2024, she avoided approaching her "warm market" – her direct network of friends and family – and opted instead for roadshows.

The experience was gruelling: For three months, she struggled to earn even S$1,000 a month, covering the cost of renting a booth out of her own pocket.

"It was so stressful that I cried every morning when I had to go for the roadshow," Ms Chee recalled.

"The cold market is tough, you need a long time to build trust. Can you imagine talking to a random stranger and having to tell them your income?"

The pressure was enough for her to quit initially. But with encouragement from a classmate who was also a student adviser, she rejoined the field, determined to try again.

Miss Chee Kai Xin, 23, currently a university student FA, at her office in Toa Payoh on Nov 6, 2025. (Photo: CNA/Ooi Boon Keong)

While financial advisory work is often portrayed as a path to easy earnings, the reality is far more demanding than just having a few conversations with clients over coffee.

"In a corporate job, you're usually fine as long as you don't mess up. Here, we need to perform well to even earn," said Ms Chee.

She added that closing a deal can take about a month on average, with more complex cases, such as family planning, sometimes stretching over a year.

Ms Ng echoed the sentiment.

"A lot more goes into this than people realise. You need to let clients build trust at their own pace, which can take a long time – sometimes even a year," she said.

Meanwhile, Ryan, who was lured to the industry by recruitment advertisements, found that day-to-day work differed from expectations of the lavish lifestyle promised during introductory sessions.

"Within the culture, we were often encouraged to post weekend updates of ourselves at our laptops to show we were grinding – practices that, to some extent, felt performative to me," he said.

He said that despite the messaging that the industry was there to help clients, it turned out to be more sales-focused than he had expected.

New FAs often set targets with their directors, and in one instance, Ryan recalled being asked to call 100 personal contacts while a supervisor watched.

After seven months, he decided to leave as he didn't feel he was truly helping anyone.

"I just didn't enjoy what I was doing or how it was making me feel," he said.

Long hours and high sales target aside, there's the added issue of harassment for female FAs who have to frequently interact with clients one-on-one.

Ms Ng noted that some of her female colleagues receive unsolicited messages every day from prospects, often using inappropriate terms of endearment such as "babe".

"It's unfortunately very common for female advisers to face this, but I always try to stand up for myself," she said.

And finally, there is the challenge that can cut deepest: seeing friendships fray under the weight of career-related misconceptions.

Ms Chee described how some friends were hesitant to admit they were uncomfortable with her new role as a financial adviser.

While a few eventually became open to having an honest conversation about her job, others gradually stopped texting her.

For Ryan, the impact was even more personal – moments when he genuinely wanted to catch up with friends were sometimes misread as attempts to prospect them.

"By the third friendship I lost, I was done (with this job)."

COMMON FOR YOUNG ADVISERS TO LEAVE EARLY

Given the challenging nature of the job, the high joining rate for young graduates is offset by young FAs leaving the industry burnt out and disillusioned.

Insurers GE and Manulife told CNA TODAY that they did not track retention rates by age groups while Income declined to disclose their retention rate. Meanwhile, AIA said that their first-year retention rate was 85 per cent.

Prudential Singapore's Mr Lee said the first two years are crucial for new joiners to decide if the role is right for them and it can be "common for young FAs to leave early".

"Generally, retention among younger FAs is relatively lower than other profiles, as many are still exploring career options before settling on a path," said Ms Jesslyn Tan, chief executive of Great Eastern Financial Advisers (GEFA).

But for those who stay, the conviction is unwavering.

Ms Ng reflected that even when deals didn't close after months of prospecting, the support of loyal clients kept her going. She recalled roadshow moments where clients bought drinks and pizza as encouragement.

Ms Chee said that, despite its challenges, she enjoys the career for its growth opportunities, the people she interacts with, and the income it provides.

"I see myself doing this for life, and I hope people can give us a chance," said Ms Chong.

SoS

End practice of charging full interest

MasBoleh! — Wed, 08 Oct 2025 22:27:38 +0800

Malaysia passes bill to end practice of charging full interest on early hire purchase loan settlements

KUALA LUMPUR (Oct 8): The Dewan Rakyat on Wednesday approved the Hire Purchase (Amendment) Bill 2025, which abolishes the use of the flat rate and the Rule of 78 for fixed-rate hire-purchase loans.

The Rule of 78 calculates a loan’s total interest based on the original principal amount, which means borrowers do not enjoy any interest savings even if they settle their loans earlier than scheduled.
Under the amendment bill, the effective interest rate (EIR) and reducing balance method will replace the Rule of 78 to ensure greater transparency in loan calculations.

The EIR represents the actual financing cost of a hire-purchase agreement. For fixed-term agreements, it reflects the true cost of financing, while for variable-term agreements, it is calculated using a reference rate as a benchmark.
The bill also revises the ceiling for EIRs on fixed-rate hire-purchase loans and requires lenders to disclose the EIR to consumers during marketing and before signing any agreement.

Under the revised structure, fixed-rate loans with a tenure of up to five years will be capped at 17% per annum, while those exceeding five years will be capped at 16% per annum. The rate for variable loans remains unchanged at 17% per annum.

A hire-purchase agreement is a contract between an asset owner, typically a bank, and a hirer who intends to purchase goods. Payments are made in instalments, and ownership is transferred to the hirer only after all instalments are fully settled.

Currently, the Hire Purchase Act 1967 (Act 212) covers all consumer goods purchased for personal, family or household use, including motor vehicles such as cars, motorcycles, taxis, hire cars, buses, and light goods vehicles with a maximum permitted load not exceeding 2,540kg.

Minister of Domestic Trade and Cost of Living Datuk Armizan Mohd Ali said the proposed changes aim to make the act more comprehensive, relevant and aligned with the evolving financial landscape, while enhancing transparency and consumer protection.

He added that the amendment also complements the Consumer Credit Act 2025, which was passed by both the upper and lower houses earlier this year.

“The proposed amendments do not stand alone but are part of the government’s broader reform strategy to improve Malaysia’s consumer credit ecosystem and services,” Armizan said when tabling the bill for second reading in the Dewan Rakyat.

“The main goal is to create a fairer and more transparent consumer credit environment, thereby strengthening protection for all credit users in the country.”
In addition to removing the flat rate and the Rule of 78, the bill also proposes allowing the use of digital technology in hire-purchase agreements and updating references to the base lending rate to align with Bank Negara Malaysia’s updated Reference Rate Framework.

Hire-purchase providers will be given a grace period of 18 months from the date of gazette notification to upgrade their systems before offering financing under the new reducing balance method.

The bill was passed by voice vote, after 20 members of Parliament took part in the debate.

MPs urge for shorter grace period

While most lawmakers voiced support for the amendment bill, several urged the ministry to shorten the 18-month transition period and expedite its implementation.

Kota Melaka MP Khoo Poay Tiong proposed that the grace period be reduced to between six and 12 months, arguing that financial institutions already have established computer systems for housing loans that use the reducing balance method.

“This is a simple technical adjustment. There’s no need to take 18 months — shortening the period would allow existing borrowers to benefit from the amendments sooner,” he said.
Bayan Baru MP Sim Tze Tzin, meanwhile, asked whether financial institutions would still be allowed to apply the Rule of 78 during the transition period. He also sought clarification on how consumers would be informed about the calculation method used in the financing products offered to them during that time.

In response, Armizan said the 18-month grace period was agreed upon after engagement sessions with stakeholders.
“We take note of the suggestions and will give them due consideration. Discussions will be held with stakeholders, Bank Negara Malaysia and the Ministry of Finance to explore the possibility of bringing forward the rollout date,” he said.

sauce

Questions about Cooker Hood, Gas Hob and

MasBoleh! — Mon, 30 Jun 2025 20:00:01 +0800

Hi, i would like to know what is the benefit of expensive gas hob compared to entry level?

I am thinking if one of the burner spoiled due to clogged or anything, can we just repair it? or we have to change the whole gas hob?

If cant repair and have to change, then isn't it better to buy entry level gas hob?

Gas hob itself is the size standard? because let's say I needed to change, then i need to buy a same size one for my cabinet.

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Secondly, Livinox's LCH-COPPERDC-GM @ RM 2099, is it a good buy? The salesman told me it is quieter motor, but i saw the clip holding onto the side glass is made of plastic, so that got me worry.

I am also looking at Oven, which is Livinox LBO-LINOX 6F-75SS @ RM 1499, is this recommended? I am looking for a simple built-in oven that has timer, and can bake cake, make cookies, grill chicken/steak/beef and hopefully easy to clean. Prefer mechanical as I prioritized the durability too. Is this a good oven?

Speaking of grilling steak, chicken, beef etc, I notice some got rotisserie feature which means only top grilling instead of top and bottom grilling. So which one is better? Top grilling only sufficient?

I try to stick gas hob, cooker hoods and built-in oven under RM 3.3k budget.

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I am also confused with all these gas hobs base material, got stainless steel, got tempered glass, got schott glass (is this a gimmick?) , got stone somemore.

Which one is good one? They said stainless steel will be hot after cook, temper glass won't be hot but prone to pecah. Meaning stone is the only choice right?

Royal Selangor history and introduction

MasBoleh! — Sat, 22 Mar 2025 19:20:51 +0800

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I always thought Royal Selangor belongs to the royal family, mana tahu it is a family business owned by the Yong family.

The famous diamond brand for

MasBoleh! — Mon, 17 Mar 2025 13:50:52 +0800

I just recalled long time ago, we have a very famous water filter brand called Diamond. Almost all households in Malaysia has it. Now I never see that brand anymore and I google searched and found nothing. What happened to them?

Because I see so many other brands flourishing like coway, cuckoo, LG and SK Magic

Good Job Malaysia, kicking SG out from the top 10

MasBoleh! — Wed, 26 Feb 2025 17:13:40 +0800

Good job Malaysia! Within 10 years, we managed to kick SG out from the list and now we are top 4 country in the world that has the most skyscrapers.

Return to Ukraine's 2014 borders 'unrealistic’

MasBoleh! — Thu, 13 Feb 2025 07:43:32 +0800

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Police: Viral clip of pythons released in

MasBoleh! — Tue, 11 Feb 2025 23:48:32 +0800

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SUBANG JAYA: Police today confirmed that the case involving a viral clip showing two men and a woman releasing three pythons into a drain in Putra Heights actually took place in the middle of last month.

Subang Jaya police chief Assistant Commissioner Wan Azlan Wan Mamat said a report was lodged on the viral clip at the Putra Heights police station at 10.15am on Feb 3.

In the report, Wan Azlan said the complainant said the clip was shared in WhatsApp messaging application.

The clip showed two men and a woman releasing three pythons into a drain in Jalan Persiaran Putra Permai, Putra Heights.

"According to investigations by the Putra Heights police station chief, the incident occured in the middle of last month.

"The case has been referred to the Wildlife and National Parks Department for further action," he said in a statement.

sos

MKBHD no give face to Samsung on

MasBoleh! — Thu, 06 Feb 2025 14:30:43 +0800

[YOUTUBE]a4NJNdHqs_I[/YOUTUBE]

BMW Launches i4 eDrive35 M Sport In Malaysia

MasBoleh! — Fri, 17 Jan 2025 16:19:16 +0800

BMW Malaysia officially launched its new M Sport lineup for 2025 earlier today. Within that list is the i4 eDrive35 M Sport.

The BMW i4 eDrive35 M Sport is the automotive brand’s latest EV, sporting many of the brand’s iconic features. And yes, that includes the kidney grille design. Ultimately, it’s a four-door coupe that, as its name suggests, has been given the M Sport treatment.

Specs-wise, the BMW i4 eDrive35 M Sport features a powertrain and electric motor capable of delivering an output of 210kW or 286HP, 400Nm of torque, which translates to a 0-100km/h acceleration of six seconds. A full charge gives the EV a range of up to 500km.

BMW says the i4 eDrive35 M Sport can be charged at fast-charging stations via direct current (DC) at a rate of 180kW or to put that in another way, 80% capacity in just 32 minutes. For a quick 10-minute charge, you get between 144 and 182km of travel. Alternatively, the EV can also be charged via AC and supports up to 11kW, but charging the vehicle in this mode will take approximately seven hours.

The BMW i4 eDrive35 M Sport starts from RM294,800 but if you opt in for the brand’s Service Inclusive package, that’ll set you back RM315,600.

The EV will also be available in two new colour options, Cape York Green and Fire Red, along with currently existing colours Alpine White, Mineral White, Black Sapphire, M Portimao Blue, and M Brooklyn Grey.

LYN

Why does the car battery seller wants back the old

MasBoleh! — Wed, 11 Dec 2024 20:31:59 +0800

I am just curious why the car battery sellers often want back the old car battery, what's the benefit of old battery to them? What will they do with all these old battery?

I have a sense that old battery somehow worth some money.

What do you think on new Samsing 2-in-1

MasBoleh! — Tue, 26 Nov 2024 15:24:46 +0800

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Seems like the technology is mature enough for 2-in-1

Pharmaniaga insulin manufacturing plant up yet?

MasBoleh! — Sat, 23 Nov 2024 14:40:49 +0800

QUOTE

The biopharmaceutical facility is now fully constructed and undergoing simulation
procedures to prepare for the manufacturing of process validation batches, as
well as obtaining approval from the relevant regulatory authorities.

https://pharmaniaga.com/wp-content/uploads/...Sep-2024-pm.pdf

TLDR: Pharmaniaga invested into new insulin manufacturing plant set to be completed by Sep this year. So, i was wondering is it up yet and how many experts in Malaysia do we have for such an high tech job role.

How does US able to afford so much B

MasBoleh! — Wed, 02 Oct 2024 14:54:17 +0800

I see US kept providing military aids to Israel and Ukraine. I understands some of these can be a form of "loan" that been repackaged as "aids". But it is still quite impressive for them to keep providing aids like they have unlimited money.

I personally think US focus too much on instigating conflicts and violences, eventually resulted the rise of the East due to China do not need to keep pouring in so much money as military aids to their Allies, these monies will then use to develop their semiconductor, military, AI and other important matters.

Samsung Galaxy Tab S10 Series Now Official

MasBoleh! — Sun, 29 Sep 2024 17:48:33 +0800

Eh why nobody even bother to open thread to discuss about the release of the latest Galaxy Tab S10 !!!!

In conjunction with the launch of the Samsung Galaxy S24 FE, the brand also officially launched the Galaxy Tab S10 series of tablets. Unlike the previous generation, the latest series offers just two models.

These two models are the Galaxy Tab S10 Ultra and the Tab S10+. The former sports a 14.6-inch display with a resolution of 2,960 x 1,848 pixels, while the latter has a 12.4-inch display with a resolution of 2,800 x 1,752 pixels. Regardless of size, both displays are rated for 120Hz and use Samsung’s Dynamic AMOLED 2X panels.

Underneath the hood, both the Tab S10 Ultra and S10+ are powered by MediaTek’s Dimensity 9300+ SoC, 12GB RAM, and 256GB of internal storage which is expandable up to 1.5TB via the microSD slot. For power, the Ultra has a 11,200mAh battery, while the S10+ is rated at 10,090mAh. Oh, and both support 45W fast-charging.

For their main camera, the S10 Ultra and S10+ sport use the same dual-camera system comprising a 13MP wide and 8MP ultrawide. For the selfie camera, the Ultra has 12MP+12MP camera combo, while the Plus model houses a lone 12MP ultrawide.

Preorders for the Samsung Galaxy Tab S10 Ultra and S10+ are already open starting today, with the first batch of tablets to be available from 3 October onwards. Pricing starts at RM4,599 for the Wi-Fi variant of the Plus, while its 5G version retails for RM5,249.

For the S10 Ultra, pricing starts at RM5,999 for the Wi-Fi only model, while the 5G model retails for RM6,649. In conjunction with their availability, those who preorder their units today will also receive a Book Cover Keyboard Slim with the dedicated Gemini AI key worth RM949 free of charge, as well as a RM500 Instant Trade-in Rebate, while stocks last.

LYN

More people in Singapore experiencing dementia

MasBoleh! — Wed, 04 Sep 2024 14:53:49 +0800

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Wow didn;t know Banglas so against quotas

MasBoleh! — Tue, 06 Aug 2024 13:10:38 +0800

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Miss the early 2010s songs.

MasBoleh! — Thu, 18 Jul 2024 15:22:30 +0800

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Now everyone in this video are aunties or uncles if not already gone from this world