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        <title>Lowyat.NET: Latest topics by inspiron</title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Mon, 27 Jul 2026 12:26:26 +0800</lastBuildDate>
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            <title>when can MY reach this level?</title>
            <link>http://forum.lowyat.net/topic/5554336</link>
            <description>[YOUTUBE]KSCTYUhLqVM[/YOUTUBE]&lt;br /&gt;&lt;br /&gt;Currently when you try to take over a slow vehicle in a single lane road, they will race you instead  &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;</description>
            <author>inspiron</author>
            <category>Kopitiam</category>
            <pubDate>Wed, 04 Feb 2026 15:54:53 +0800</pubDate>
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            <title>Korean Influencer Pays To Drink Their Breast Milk</title>
            <link>http://forum.lowyat.net/topic/5525122</link>
            <description>&lt;a href='https://says.com/my/news/korean-influencer-drink-filipino-mums-breast-milk' target='_blank'&gt;sos kicap&lt;/a&gt;?&lt;br /&gt;&lt;br /&gt;Korean Influencer Pays Poor Filipino Mums RM40 To Drink Their Breast Milk For Content&lt;br /&gt;&lt;br /&gt;If he didnt show the video, do you think it&amp;#39;s unethical?&lt;br /&gt;&lt;br /&gt;if he come to Kelantan and try to buy breast-milk for rm100, do you think anyone will sell?&lt;br /&gt;&lt;br /&gt;The mothers in video seems ok with this. It&amp;#39;s like a lot of &amp;#036;&amp;#036; for them (but its not good to show it on youtube)&lt;br /&gt;&lt;br /&gt;will provide link to all the video if this reach 3 page  &lt;!--emo&amp;:w--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/whistling.gif' border='0' style='vertical-align:middle' alt='whistling.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>inspiron</author>
            <category>Kopitiam</category>
            <pubDate>Thu, 29 May 2025 10:42:04 +0800</pubDate>
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            <title>&amp;#036;1m gone in one year</title>
            <link>http://forum.lowyat.net/topic/5443160</link>
            <description>old news but really eye opening&lt;br /&gt;&lt;br /&gt;&lt;!--QuoteBegin--&gt;&lt;div class='quotetop'&gt;QUOTE&lt;/div&gt;&lt;div class='quotemain'&gt;&lt;!--QuoteEBegin--&gt;&lt;span style='font-size:14pt;line-height:100%'&gt;Two years ago, after her husband was killed in a freak accident while working at Changi Airport&amp;#39;s Budget Terminal, she received nearly &amp;#036;1 million in insurance payouts and donations from the public.&lt;br /&gt;&lt;br /&gt;Today, that money is all gone.&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;Madam Pusparani Mohan, 34, is now looking for work in Singapore to support her four young children back in Johor Baru.&lt;br /&gt;&lt;br /&gt;&lt;span style='font-size:14pt;line-height:100%'&gt;She gave some of it away to relatives when she returned to her hometown in Kedah, then spent a portion of it on a holiday in Genting Highlands with her family. She also lost a chunk of it to a bad business investment - all in the span of a year.&lt;br /&gt;&lt;/span&gt;&lt;br /&gt;&amp;quot;Now I don&amp;#39;t have enough for my children&amp;#39;s future.&amp;quot;&lt;br /&gt;&lt;br /&gt;On March 17, 2012, her husband, Mr Chandra Mogan Panjanathan, 34, was operating a floor-scrubbing machine outside the terminal when he was hit by a taxi hijacked by a Chinese national.&lt;br /&gt;&lt;br /&gt;The driver is now serving his jail sentence of two years and one month for voluntarily causing hurt in committing robbery.&lt;br /&gt;&lt;br /&gt;Donations poured in after the tragic accident was reported in the media. Many sympathised with Madam Pusparani, who was also working as a cleaning supervisor at the airport, for having to raise four children by herself.&lt;br /&gt;&lt;br /&gt;The Malaysian couple&amp;#39;s youngest daughter was barely three months old then. Today, their children are aged two, seven, 10 and 11.&lt;br /&gt;&lt;br /&gt;Changi Airport Group (CAG) helped to collect donations after it received calls from members of the public wanting to help. Madam Pusparani said she is not clear how much was collected, but thinks it could be about &amp;#036;800,000. She also received over &amp;#036;100,000 in insurance payouts, she said.&lt;br /&gt;&lt;br /&gt;&amp;quot;The CAG financial adviser advised me to divide the money between myself and my four children. After allocating &amp;#036;200,000 to each of my four children, I was left with &amp;#036;150,000,&amp;quot; she said.&lt;br /&gt;&lt;br /&gt;She took that &amp;#036;150,000 home to Johor Baru, quitting her job in Singapore, to take care of her children.&lt;br /&gt;&lt;br /&gt;A CAG spokesman told The Sunday Times the CAG had arranged for a family counsellor for Madam Pusparani and had also engaged a financial services adviser to help her with the money she received, including setting up an annuity plan for her children.&lt;br /&gt;&lt;br /&gt;&amp;quot;I was told not to touch my children&amp;#39;s money as it was meant for their future,&amp;quot; she said, adding that the financial adviser also suggested she could use the remaining money to set up a small business in Malaysia.&lt;br /&gt;&lt;br /&gt;But the money proved too much for Madam Pusparani to manage on her own.&lt;br /&gt;&lt;br /&gt;She said she first had to pay off debts of &amp;#036;50,000 - the couple, who made &amp;#036;2,000 a month jointly, had borrowed money from friends to make ends meet.&lt;br /&gt;&lt;br /&gt;Then, she decided to invest the remaining &amp;#036;100,000 in her brother&amp;#39;s transport business in Kuala Lumpur, thinking it would give her a stable income.&lt;br /&gt;&lt;br /&gt;&amp;quot;But I was told the money was only enough to buy one lorry and we needed three lorries. So, I withdrew half of my children&amp;#39;s money, which was about &amp;#036;400,000, to buy two more lorries.&amp;quot;&lt;br /&gt;&lt;br /&gt;Madam Pusparani said CAG was unaware of the withdrawal as the money was kept in an account under her name.&lt;br /&gt;&lt;br /&gt;&amp;quot;I was thinking I could put the money back later,&amp;quot; said Madam Pusparani, her voice shaking.&lt;br /&gt;&lt;br /&gt;The business did make money in the first three months, said Madam Pusparani, who has a Sijil Pelajaran Malaysia, the equivalent of an O-level certificate, and who took up accounting as she wanted to manage the business herself.&lt;br /&gt;&lt;br /&gt;But in the fourth month, the widow was told that the company was losing money. She said she fell out with her brother eventually and did not recover any of her investment.&lt;br /&gt;&lt;br /&gt;Her younger brother, Mr Magan Mohan, 32, a technician, said she blamed the family for encouraging her to invest in the business. Mr Magan said his elder brother&amp;#39;s business has since folded.&lt;br /&gt;&lt;br /&gt;&amp;quot;Some people think my sister gambled away the money, but she never gambles or drinks. She just got into the wrong business.&amp;quot;&lt;br /&gt;&lt;br /&gt;In January last year, Madam Pusparani took out the rest of the money meant for her children.&lt;br /&gt;&lt;br /&gt;She had no choice, she said.&lt;br /&gt;&lt;br /&gt;&amp;quot;I never work, but I have to eat. I also need to take care of my parents. I was living with them and I had to pay for the monthly rental which was about RM1,000. My baby is still young and needs money for milk and pampers,&amp;quot; said Madam Pusparani, agitatedly.&lt;br /&gt;&lt;br /&gt;&lt;span style='font-size:14pt;line-height:100%'&gt;&amp;quot;My expenses came up to RM5,000 to RM6,000. Where do I find the money?&amp;quot;&lt;br /&gt;&lt;/span&gt;&lt;br /&gt;&lt;span style='font-size:14pt;line-height:100%'&gt;That last &amp;#036;400,000 she withdrew lasted her five months.&lt;br /&gt;&lt;/span&gt;&lt;br /&gt;By May last year, she was broke.&lt;br /&gt;&lt;br /&gt;&lt;span style='font-size:14pt;line-height:100%'&gt;&amp;quot;I also don&amp;#39;t know how I finished (using) the money,&amp;quot; she said.&lt;br /&gt;&lt;/span&gt;&lt;br /&gt;A friend got her a job as an accounts clerk in Johor Baru, earning RM2,000 (S&amp;#036;780) a month.&lt;br /&gt;&lt;br /&gt;Today, her employer pays her rent for an old, double-storey terraced house, which her family of five live in. A huge portrait of the late Mr Chandra is the only thing adorning the empty living area. Her children&amp;#39;s shoes are torn and worn out; so too are their schoolbags.&lt;br /&gt;&lt;br /&gt;The family sleeps on two old mattresses in one of three rooms on the second storey. Clothes are piled up on the floor as they cannot afford a cupboard to keep them in.&lt;br /&gt;&lt;br /&gt;&amp;quot;I cannot survive with RM2,000 a month. I am thinking of going to work in Singapore. But I feel ashamed,&amp;quot; said Madam Pusparani tearfully.&lt;br /&gt;&lt;br /&gt;&amp;quot;I don&amp;#39;t know how to explain to the people who donated money to me and my children.&amp;quot;&lt;!--QuoteEnd--&gt;&lt;/div&gt;&lt;!--QuoteEEnd--&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='https://www.straitstimes.com/singapore/1m-gone-in-one-year-widow-of-killed-changi-airport-worker-is-now-broke' target='_blank'&gt;straitstimes news&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;no wonder people have no sympathy towards biforti.  &lt;br /&gt;&lt;br /&gt;&amp;quot;That last &amp;#036;400,000 she withdrew lasted her five months.&amp;quot;&lt;br /&gt;&lt;br /&gt;she spent rm80k / month&lt;br /&gt;&lt;br /&gt;rm80k can live comfortably for 1 year</description>
            <author>inspiron</author>
            <category>Kopitiam</category>
            <pubDate>Tue, 05 Mar 2024 11:53:38 +0800</pubDate>
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            <title>Father of the year</title>
            <link>http://forum.lowyat.net/topic/5397868</link>
            <description>[twt]https://twitter.com/FAFO_TV/status/1679541389413998621[/twt]&lt;br /&gt;&lt;br /&gt;sila bersurai dan balik kerja</description>
            <author>inspiron</author>
            <category>Kopitiam</category>
            <pubDate>Thu, 03 Aug 2023 14:17:03 +0800</pubDate>
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            <title>k previously ask why MY lose to Indo in investment</title>
            <link>http://forum.lowyat.net/topic/5326969</link>
            <description>Previously a lot of k post a lot of hu ha about how indonesia able to secure Tesla investment. &lt;br /&gt;&lt;br /&gt;&lt;a href='https://forum.lowyat.net/index.php?showtopic=5242264&amp;hl=tesla+investment+in+indonesia#' target='_blank'&gt;no mentioned why&lt;/a&gt;&lt;br /&gt;&amp;gt; Economist explain why Indonesian choice to invest&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='https://forum.lowyat.net/index.php?showtopic=5271370&amp;hl=tesla+investment+in+indonesia#' target='_blank'&gt;no mentioned also&lt;/a&gt;&lt;br /&gt;&amp;gt; Tesla : India&amp;#39;s loss, Indonesia&amp;#39;s gain&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='https://forum.lowyat.net/index.php?showtopic=5274072&amp;hl=tesla+investment+in+indonesia#' target='_blank'&gt;actual reason not given&lt;/a&gt;&lt;br /&gt;&amp;gt; Habislah malaysia tesla mau indon, Jeng9 (News)&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Actually its not only Tesla but:&lt;br /&gt;&lt;br /&gt;Ford&lt;br /&gt;Hyundai&lt;br /&gt;LG &lt;br /&gt;Toyota &lt;br /&gt;Nissan&lt;br /&gt;Foxconn &lt;br /&gt;&lt;br /&gt;All investing Billions in Indonesia due to 1 thing that is done by Jokowi&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;behold the answer:&lt;br /&gt;&lt;br /&gt;[YOUTUBE]IWL0NPvX3AI[/YOUTUBE]</description>
            <author>inspiron</author>
            <category>Kopitiam</category>
            <pubDate>Sun, 13 Nov 2022 17:47:07 +0800</pubDate>
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        <item>
            <title>PSA:AMA: my affinbank cc got hack</title>
            <link>http://forum.lowyat.net/topic/5302266</link>
            <description>how i found out:&lt;br /&gt;I was checking my cc online and found that my outstanding balance is RM5 (means i have charge to the card and need to pay this amount)&lt;br /&gt;&lt;br /&gt;I called up CS to ask what is this shit&lt;br /&gt;&lt;br /&gt;CS said transaction from :&lt;br /&gt;&amp;quot;rational brain&amp;quot; company. cannot find anything in Google about this&lt;br /&gt;&lt;br /&gt;suspect from scam company&lt;br /&gt;&lt;br /&gt;transaction on Sat 20th Aug 2022 11pm&lt;br /&gt;&lt;br /&gt;&lt;b&gt;I did not received any sms asking for OTP or notification from Affinbank about this transaction&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;No, I did not install any games or install any apk files&lt;br /&gt;&lt;br /&gt;Affin bank CS feedback it will take their fraud team 180 days to complete the investigation&lt;br /&gt;&lt;br /&gt;on the meantime, I need to pay for the fraud transaction&lt;br /&gt;&lt;br /&gt;they have cancel my card and will send me a new card (no cost)&lt;br /&gt;&lt;br /&gt;edit as new Question coming in:&lt;br /&gt;&lt;br /&gt;I did not use this card other than to reload ewallet to get cashback&lt;br /&gt;&lt;br /&gt;No, I dont use same password for banking with any other login&lt;br /&gt;&lt;br /&gt;I have use my card to top up TnG and Bigpay only &lt;br /&gt;from phone&lt;br /&gt;&lt;br /&gt;No usage ever from other sources and PC&lt;br /&gt;&lt;br /&gt;I dont use this in shopee / Lazada&lt;br /&gt;&lt;br /&gt;Received the transaction details just now&lt;br /&gt;&lt;br /&gt;charge from: rationalbrainsz.com (Stupid CS dont even know how to provide correct details)&lt;br /&gt;&lt;br /&gt;Trustscore: 1 / 100 (scam website)&lt;br /&gt;&lt;br /&gt;</description>
            <author>inspiron</author>
            <category>Kopitiam</category>
            <pubDate>Mon, 22 Aug 2022 00:06:14 +0800</pubDate>
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            <title>Profile of a sick ktard</title>
            <link>http://forum.lowyat.net/topic/5266532</link>
            <description>&lt;!--QuoteBegin-Moneylust+Feb 20 2022, 11:28 PM--&gt;&lt;div class='quotetop'&gt;QUOTE(Moneylust &amp;#064; Feb 20 2022, 11:28 PM)&lt;/div&gt;&lt;div class='quotemain'&gt;&lt;!--QuoteEBegin--&gt;/k/, pls give your thoughts:&lt;br /&gt;&lt;br /&gt;If you are a single with monthly celery is around RM5k, will u fork out an extra RM500 to get a 2 bedroom 2 bathroom fully furnished 680sg ft apartment or just get the cheapest option of a smaller partly furnished (with fridge and washer) 390sq ft&amp;nbsp; studio?&lt;br /&gt;&lt;br /&gt;An alternative is something in the middle: a 1 bedroom 1 bathroom&amp;nbsp; 617sf unit (means got partition, unlike studio) with balcony.&lt;br /&gt;&lt;br /&gt;Is paying the extra RM500 worth it for the extra space? I mean, the RM500 could be used to order good food from Grab or Panda or put into saving.&lt;br /&gt;&lt;br /&gt;On the other hand, the extra bedroom and bathroom gives more options and breathing space.&lt;br /&gt;&lt;br /&gt;Kesian not earning /k/ standard of RM20k&amp;nbsp; &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;[right][snapback]103656448[/snapback][/right]&lt;br /&gt;&lt;!--QuoteEnd--&gt;&lt;/div&gt;&lt;!--QuoteEEnd--&gt;&lt;br /&gt;B 40 in KV but still ada hati want to stay same house with ah moi&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;!--QuoteBegin-Moneylust+Apr 14 2022, 07:07 AM--&gt;&lt;div class='quotetop'&gt;QUOTE(Moneylust &amp;#064; Apr 14 2022, 07:07 AM)&lt;/div&gt;&lt;div class='quotemain'&gt;&lt;!--QuoteEBegin--&gt;After six years in jail, she&amp;#39;ll be 33, correct? Maybe she&amp;#39;ll marry a damaged guy like me ... if she can speak English lah.&lt;br /&gt;[right][snapback]104129105[/snapback][/right]&lt;br /&gt;&lt;!--QuoteEnd--&gt;&lt;/div&gt;&lt;!--QuoteEEnd--&gt;&lt;br /&gt;No money but dare to dream about Ah moi ptui.....&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;!--QuoteBegin-Moneylust+Apr 19 2022, 10:44 PM--&gt;&lt;div class='quotetop'&gt;QUOTE(Moneylust &amp;#064; Apr 19 2022, 10:44 PM)&lt;/div&gt;&lt;div class='quotemain'&gt;&lt;!--QuoteEBegin--&gt;I am a divorcee. My ex-wife cheated on me with a black man.&lt;br /&gt;&lt;br /&gt;Late 30s.&lt;br /&gt;&lt;br /&gt;Got one daughter - wife has custody.&lt;br /&gt;&lt;br /&gt;Dealing with it badly. Sometimes talk to myself. Mental and physical state got worse due to Covid restrictions these past 2 years. I used to walk and run up the stairs to keep fit every day 5-6 years ago. Now? Just sitting around ... ache here and there.&lt;br /&gt;&lt;br /&gt;Fearful I don&amp;#39;t have enough to retire ....&lt;br /&gt;&lt;br /&gt;In my 40s now. Thinking of sordid relationship but no marriage.&lt;br /&gt;[right][snapback]104177744[/snapback][/right]&lt;br /&gt;&lt;!--QuoteEnd--&gt;&lt;/div&gt;&lt;!--QuoteEEnd--&gt;&lt;br /&gt; &lt;!--emo&amp;:w--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/whistling.gif' border='0' style='vertical-align:middle' alt='whistling.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;broke&lt;br /&gt;fat&lt;br /&gt;old&lt;br /&gt;ashamed of his own color and nationality &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;!--QuoteBegin-Moneylust+Apr 21 2022, 10:48 PM--&gt;&lt;div class='quotetop'&gt;QUOTE(Moneylust &amp;#064; Apr 21 2022, 10:48 PM)&lt;/div&gt;&lt;div class='quotemain'&gt;&lt;!--QuoteEBegin--&gt;My tenancy at my current apartment is ending soon and I&amp;#39;m thinking of moving to a new apartment.&lt;br /&gt;&lt;br /&gt;I am thinking of getting a 2-room unit and advertise offering one room free* without rental to a female college student or someone new to the workforce.&lt;br /&gt;&lt;br /&gt;* Well, maybe not 100% free. Maybe she&amp;#39;ll agree to clean and look after the place ... or cook (though the last time I ate food cooked by female student housemates ... a lifetime ago .... it was lousy) or just friendship (maybe she can teach me Mandarin or Cantonese). &lt;br /&gt;Firstly, I&amp;#39;m thinking of an apartment in either SS15 Subang or&amp;nbsp; Section 13 PJ? Do you guys think there are any student/OL there that will be interested? Or are the peoplein those places all rich and non are short of money?&lt;br /&gt;&lt;br /&gt;Secondly, where should I post such an ad online? Are there any FB groups or classifieds sites where students hang out?&lt;br /&gt;[right][snapback]104196613[/snapback][/right]&lt;br /&gt;&lt;!--QuoteEnd--&gt;&lt;/div&gt;&lt;!--QuoteEEnd--&gt;&lt;br /&gt;profile of a cheeko&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;!--QuoteBegin-Moneylust+Apr 26 2022, 10:27 PM--&gt;&lt;div class='quotetop'&gt;QUOTE(Moneylust &amp;#064; Apr 26 2022, 10:27 PM)&lt;/div&gt;&lt;div class='quotemain'&gt;&lt;!--QuoteEBegin--&gt;Many /k/tards will leap to defend landlords who discriminate while they themselves claim they are being discriminated against.&lt;br /&gt;&lt;br /&gt;My view is ... if u don&amp;#39;t want to be a victim, don&amp;#39;t victimise others.&lt;br /&gt;&lt;br /&gt;So when a property agent asked my race, nationality and gender, claiming the landlord wanted to know .... I email a complaint to the website where her ad was posted with whatsapp proof.&lt;br /&gt;&lt;br /&gt;Let&amp;#39;s see if she can still post her ads in the website after this.&lt;br /&gt;&lt;br /&gt;Don&amp;#39;t want to break her ricebowl by filing a complaint with a regulating body yet.&lt;br /&gt;&lt;br /&gt;Sekian.&lt;br /&gt;[right][snapback]104237407[/snapback][/right]&lt;br /&gt;&lt;!--QuoteEnd--&gt;&lt;/div&gt;&lt;!--QuoteEEnd--&gt;&lt;br /&gt;guess which race and nationality is ashamed when being asked  &lt;!--emo&amp;:idea:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/icon_idea.gif' border='0' style='vertical-align:middle' alt='icon_idea.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;</description>
            <author>inspiron</author>
            <category>Kopitiam</category>
            <pubDate>Wed, 27 Apr 2022 08:51:44 +0800</pubDate>
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            <title>difference between 3rd world country and 1st world</title>
            <link>http://forum.lowyat.net/topic/5195977</link>
            <description>&lt;a href='https://www.thestar.com.my/tech/tech-news/2021/09/15/apple-security-flaw-how-do-zero-click-attacks-work' target='_blank'&gt;Sos kicap&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;Hackers pose as S’pore bank customers by stealing OTPs, making S&amp;#036;500K in fake credit card payments&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('4ae77304bcf2e5654cc00ccb28344dd2')&quot; style=&quot;font-weight: bold&quot;&gt;&lt;u&gt;&amp;raquo; Click to show Spoiler - click again to hide... &amp;laquo;&lt;/u&gt;&lt;/div&gt;&lt;div class=&quot;spoilermain&quot; id=&quot;4ae77304bcf2e5654cc00ccb28344dd2&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;SINGAPORE: Hackers abroad have been able to pose as 75 bank customers here to make about S&amp;#036;500,000 (RM1.54mil) in fake credit card payments.&lt;br /&gt;&lt;br /&gt;This was done by a sophisticated method of hijacking the one-time passwords (OTPs) sent through SMS text messages by banks.&lt;br /&gt;&lt;br /&gt;The hackers had diverted the SMS OTPs from the banks to overseas mobile network systems, explained the Infocomm Media Development Authority (IMDA), Monetary Authority of Singapore (MAS), and Singapore Police Force in a joint statement on Wednesday (Sept 15).&lt;br /&gt;&lt;br /&gt;They said the SMS diversion method “requires highly sophisticated expertise to compromise the systems of overseas telecommunication networks”.&lt;br /&gt;&lt;br /&gt;The fraudulent transactions happened between September and December last year.&lt;br /&gt;&lt;br /&gt;The bank customers said they did not initiate the transactions and did not receive the SMS OTPs needed to complete the transactions.&lt;br /&gt;&lt;br /&gt;The authorities gave an assurance that Singapore&amp;#39;s banking and telecommunication systems were not compromised.&lt;br /&gt;&lt;br /&gt;Affected customers who had taken steps to protect their credentials will not have to pay for any of the fake transactions as a gesture of goodwill by the banks, “given the unique circumstances of these cases”, said the authorities. The identities of the banks involved were not revealed.&lt;br /&gt;&lt;br /&gt;So far, UOB has said that it has “proactively reviewed” the cases involving its affected customers and will work with each of them on a case-by-case basis to offer the payment waiver.&lt;br /&gt;&lt;br /&gt;It is understood that customers of DBS and OCBC, as well as some foreign banks, were affected too. The banks would have informed affected customers.&lt;br /&gt;&lt;br /&gt;The method used by the cyber criminals in this incident involved their getting hold of the victims’ credit card details and mobile phone numbers.&lt;br /&gt;&lt;br /&gt;They also hacked into the systems of overseas telcos and used them to change the location information of the mobile phones used by the Singapore victims.&lt;br /&gt;&lt;br /&gt;By doing so, the hackers tricked Singapore telco networks into thinking that the Singapore numbers were roaming overseas on the networks of other countries.&lt;br /&gt;&lt;br /&gt;The hackers then used the victims’ stolen credit card details to make fraudulent online card payments.&lt;br /&gt;&lt;br /&gt;So when the banks sent out SMS OTPs to the victims to verify the transactions, the crooks were able to divert these text messages to the overseas mobile network systems.&lt;br /&gt;&lt;br /&gt;The stolen OTPs were then used to complete the fraudulent card payments. This matches with the victims saying they did not get the OTPs.&lt;br /&gt;&lt;br /&gt;The compromised overseas telecommunication networks have been identified and notified, but the agencies did not reveal who they were or where they were from.&lt;br /&gt;&lt;br /&gt;Investigations are ongoing to identify the criminals and bring them to justice. It is also unclear where the hackers are from.&lt;br /&gt;&lt;br /&gt;Eric Nagel, general manager for the Asia-Pacific at cybersecurity firm Cybereason, said SMS OTPs rely on third-party technology on an operating system that is not immune to sophisticated attacks.&lt;br /&gt;&lt;br /&gt;One such technology that can be hacked is that used for text-messaging management services.&lt;br /&gt;&lt;br /&gt;Such services can be hired by businesses for US&amp;#036;16 (RM66) in the United States to redirect SMSes, business news outlet Business Today reported. So besides hacking them, cyber criminals can also hire these services.&lt;br /&gt;&lt;br /&gt;Nagel added that the discovery of the SMS OTP diversion here is not surprising.&lt;br /&gt;&lt;br /&gt;Earlier this year, Cybereason found that three Chinese threat groups, which recently attacked telcos in Asean, had previously carried out cyberattacks in other countries like the United States and the United Kingdom.&lt;br /&gt;&lt;br /&gt;But Nagel said that banks and telcos are trying to reduce reliance on third-party vendors.&lt;br /&gt;&lt;br /&gt;“This should diminish these types of attacks over time, as they take back control (of systems),” he said.&lt;br /&gt;&lt;br /&gt;While Singapore’s telco networks were not compromised, IMDA has told them to put in place additional safeguards. They include specialised firewalls and system safeguards to monitor and block suspicious SMS diversions.&lt;br /&gt;&lt;br /&gt;IMDA had earlier consulted the Cyber Security Agency of Singapore (CSA) on the additional telco measures.&lt;br /&gt;&lt;br /&gt;When contacted, CSA said it has assessed that the controls in place are adequate to address the hackers’ current methods.&lt;br /&gt;&lt;br /&gt;“Cyber criminals are constantly developing new and sophisticated methods and tools to target their victims,” said the agency. “Organisations and individuals must continue to stay vigilant and take steps to keep their assets and information secure.”&lt;br /&gt;&lt;br /&gt;The authorities’ statement comes after the Singapore government said in July that a review would be done by the end of the year to provide clearer guidelines on what happens to consumers and banks in the event of scams.&lt;br /&gt;&lt;br /&gt;MAS will be working with financial institutions to fine-tune the existing framework on fraudulent payment transactions, covering the responsibilities and liabilities of banks and consumers in such situations.&lt;br /&gt;&lt;br /&gt;At the time, it was reported the police had received 89 reports of fraudulent card transactions performed with SMS OTPs, where the victims said they did not make the transaction or receive the OTP to authorise it, between September last year and February this year.&lt;br /&gt;&lt;br /&gt;The amount stolen in these cases was S&amp;#036;550,500 (RM1.70mil).&lt;br /&gt;&lt;br /&gt;Finance Minister Lawrence Wong, who is MAS’ deputy chairman, said in Parliament that while these cases represented less than 0.1% of fraudulent online card transactions reported, and the number of cases has come down since March 2021, “it is nevertheless concerning”.&lt;br /&gt;&lt;br /&gt;IMDA, MAS and the police urged the public to be alert and vigilant against malware and phishing attempts that seek to steal their personal details, since the incident involved stolen credit card information.&lt;br /&gt;&lt;br /&gt;For instance, consumers should keep their bank account, credit and debit card details safe at all times. They should never disclose to anyone these details, as well as their personal identification numbers, passwords and codes like OTPs.&lt;br /&gt;&lt;br /&gt;They can also set low thresholds for payment transaction alerts, which can allow unauthorised activities to be detected early. Consumers should alert their banks as soon as possible if there are any discrepancies or unauthorised transactions.&lt;br /&gt;&lt;br /&gt;They should keep their devices updated with the latest security patches and anti-virus software.&lt;br /&gt;&lt;br /&gt;Consumers should use only credible online services, download apps from official app stores, and make online purchases through trustworthy platforms.&lt;br /&gt;&lt;br /&gt;Members of the public should also never click on suspicious links from unknown sources. – The Straits Times (Singapore)/Asia News Network&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;&lt;br /&gt;In SG, they take effort to find out the issue&lt;br /&gt;&lt;br /&gt;In MY, they just swept the issue below the carpet. All blame the user &lt;br /&gt;&lt;br /&gt;PIDM cover you up to 250k?&lt;br /&gt;&lt;br /&gt;bank already said you receive the sms, so it&amp;#39;s your fault. Case closed&lt;br /&gt;&lt;br /&gt; &lt;!--emo&amp;:w--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/whistling.gif' border='0' style='vertical-align:middle' alt='whistling.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>inspiron</author>
            <category>Kopitiam</category>
            <pubDate>Fri, 17 Sep 2021 15:56:11 +0800</pubDate>
        </item>
        <item>
            <title>If I could replan my wedding, here’s what I’d do</title>
            <link>http://forum.lowyat.net/topic/5075216</link>
            <description>&lt;!--QuoteBegin-razerS+Dec 16 2020, 01:40 AM--&gt;&lt;div class='quotetop'&gt;QUOTE(razerS &amp;#064; Dec 16 2020, 01:40 AM)&lt;/div&gt;&lt;div class='quotemain'&gt;&lt;!--QuoteEBegin--&gt;I have a personal loan around 19000RM in RHB Bank. Current Interest rate is 21% p.a paying around 700/month.&lt;br /&gt;&lt;br /&gt;Is there any way to reduce the interest rate or any other option so that I can pay less.&lt;br /&gt;Got an option from bank to pay 350 RM per month for 10 years totals to ~ 40000RM , which looks like a debt trap for me :huhu: &lt;br /&gt;Like to know all the options from you guys  &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;[right][snapback]99285628[/snapback][/right]&lt;br /&gt;&lt;!--QuoteEnd--&gt;&lt;/div&gt;&lt;!--QuoteEEnd--&gt;&lt;br /&gt;&lt;br /&gt;&lt;!--QuoteBegin-razerS+Dec 16 2020, 01:52 AM--&gt;&lt;div class='quotetop'&gt;QUOTE(razerS &amp;#064; Dec 16 2020, 01:52 AM)&lt;/div&gt;&lt;div class='quotemain'&gt;&lt;!--QuoteEBegin--&gt;For marriage purpose.&lt;br /&gt;[right][snapback]99285661[/snapback][/right]&lt;br /&gt;&lt;!--QuoteEnd--&gt;&lt;/div&gt;&lt;!--QuoteEEnd--&gt;&lt;br /&gt;[attachmentid=10731352]&lt;br /&gt;&lt;a href='https://thewokesalaryman.com/2019/06/13/if-i-could-replan-my-wedding-heres-what-id-do/' target='_blank'&gt;&lt;span style='font-size:16pt;line-height:100%'&gt;&lt;span style='color:red'&gt;If I could replan my wedding, here’s what I’d do&lt;/span&gt;&lt;/span&gt;&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;I dont understand the need to have a marriage and invite all those people you seldom meet or your parents friend&amp;#39;s who you dont even know. &lt;br /&gt;&lt;br /&gt;Does having a weeding you cant afford bring happiness to your marriage life?</description>
            <author>inspiron</author>
            <category>Kopitiam</category>
            <pubDate>Sun, 20 Dec 2020 15:37:13 +0800</pubDate>
        </item>
        <item>
            <title>Rohingya Leaders Say Bangladesh Island</title>
            <link>http://forum.lowyat.net/topic/5032077</link>
            <description>It&amp;#39;s time to send them all back now. They can have their own Selayang with house by the beach&lt;br /&gt;&lt;br /&gt;[YOUTUBE]tHmgPXMGYA4[/YOUTUBE]&lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('b24f0be83d4eafc8242706eec05c7466')&quot; style=&quot;font-weight: bold&quot;&gt;&lt;u&gt;&amp;raquo; Click to show Spoiler - click again to hide... &amp;laquo;&lt;/u&gt;&lt;/div&gt;&lt;div class=&quot;spoilermain&quot; id=&quot;b24f0be83d4eafc8242706eec05c7466&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;Sharif Khiam and Abdur Rahman&lt;br /&gt;Dhaka and Cox&amp;#39;s Bazar, Bangladesh&lt;br /&gt;2020-09-08&lt;br /&gt;&lt;br /&gt;Updated at 12:15 p.m. ET on 2020-09-09&lt;br /&gt;&lt;br /&gt;Rohingya leaders taken over the weekend to evaluate conditions on a Bay of Bengal island developed to house refugees reported the site is safe and well managed, but about 300 refugees living there since May said they are eager to move to camps on the mainland.&lt;br /&gt;&lt;br /&gt;The 40 Rohingya leaders, representing 34 refugee camps in Cox’s Bazar, were taken to Bhashan Char by members of Bangladesh’s armed forces. Seven other Rohingya were dropped from the delegation because they fell sick, leaders said.&lt;br /&gt;&lt;br /&gt;“I didn’t see any of the scary things I heard about the situation on the island,” Mohammad Kalam, a Rohingya leader, told BenarNews after the delegation returned. “On the contrary, the overall management of the place, including the security and safety, is very nice. I like everything I have seen.”&lt;br /&gt;&lt;br /&gt;Bangladesh officials want to relocate 100,000 refugees to the Bhashan Char site while international humanitarian organizations have questioned the suitability of the flood-prone islet for housing refugees. They have raised dozens of issues that need addressing to make it safe for habitation, including protection from disasters including cyclones and tidal surges.&lt;br /&gt;&lt;br /&gt;Bangladesh has spent about U.S. &amp;#036;280 million to construct housing, a large embankment, and other infrastructure on the island. An additional &amp;#036;92 million was allocated in December 2019 for raising the height of the embankment and to build an administrative building, a jetty and residential facilities for U.N. officials, Enamur Rahman, the state minister for disaster management and relief, told BenarNews at the time.&lt;br /&gt;&lt;br /&gt;The delegation toured those facilities during the visit.&lt;br /&gt;&lt;br /&gt;“We were shown around the embankment and other installations including the fish farming ponds, residences, mosques, health centers, schools, playgrounds and cemeteries,” Mostafa Kamal, a Rohingya leader, told BenarNews.&lt;br /&gt;&lt;br /&gt;Another leader said he thinks some refugees might be willing to relocate to the island because of its topography.&lt;br /&gt;&lt;br /&gt;“We think that some Rohingya might be willing to go there. Especially those who live in coastal or riverine areas in Myanmar will love this place,” Hefzur Rahman told BenarNews. “We will try to get some families from each camp to agree to go to there.”&lt;br /&gt;&lt;br /&gt;Authorities said the facilities on the island are better than in the refugee camps where more than 740,000 Rohingya who fled a brutal military crackdown in Myanmar three years ago, have been living. In all, about 1 million Rohingya live in the camps in and around Cox’s Bazar.&lt;br /&gt;&lt;br /&gt;Further assessments needed&lt;br /&gt;&lt;br /&gt;After hearing from their leaders, other Rohingya may be interested in going to Bhashan Char, but they will be consulted individually before being put on a list for eventual relocation, Refugee Relief and Repatriation Commissioner (RRRC) Mahbub Alam Talukder told BenarNews.&lt;br /&gt;&lt;br /&gt;“The unfounded fears of the Rohingya have disappeared after visiting Bhashan Char,” Talukder said.  “The government sent them to see the rehabilitation center with their own eyes so they can make a decision [about whether they want to relocate.]”&lt;br /&gt;&lt;br /&gt;Still, the United Nations High Commissioner for Refugees (UNHCR) said that while such visits are good practice, thorough technical and protection assessments must be made before considering any relocation.&lt;br /&gt;&lt;br /&gt;“Such an inspection will help the Rohingya make an informed decision about voluntary relocation to Bhashan Char,” Mostafa Mohammad Sajjad Hossain, a spokesman for the UNHCR’s Dhaka office, told BenarNews.&lt;br /&gt;&lt;br /&gt;‘They cried a lot’&lt;br /&gt;&lt;br /&gt;Meanwhile, members of the delegation said that many of the 306 Rohingya refugees on the island want to return to Cox’s Bazar, not because of the living conditions in Bhashan Char but because they want to be united with their families.&lt;br /&gt;&lt;br /&gt;“I met the Rohingya on Sunday afternoon during a visit. They cried a lot,” said Rohingya leader Kamal. “Many of them have relatives in Cox’s Bazar. They have been urging the authorities to move them to the refugee camps there.”&lt;br /&gt;&lt;br /&gt;“They told us that there was no problem with living on the island. But they feel isolated from their community.”&lt;br /&gt;&lt;br /&gt;In May, 186 women, 96 men and 24 children arrived on the Bangladesh coast in a dinghy, leading authorities to take them to Bhashan Char, citing COVID-19 fears.  Southeast Asia-based rights group Fortify Rights, alleged recently that some of the Rohingya were being detained against their will.&lt;br /&gt;&lt;br /&gt;“No decision has been taken on them yet,” Refugee Relief and Repatriation Commissioner Mahabub said.&lt;br /&gt;&lt;br /&gt;Separately, almost 300 Rohingya Muslims were found on a beach in Indonesia’s Aceh province on Monday after having spent more than half a year at sea, officials said. They underwent COVID-19 tests and received aid after being transferred to a government building, officials said Tuesday.&lt;br /&gt;&lt;br /&gt;An earlier version of this story incorrectly reported that refugees from other camps would get an opportunity to assess conditions at Bhashan Char. This version also corrects the spelling of the names of reporter Sharif Khiam and photographer Mostafa Kamal&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;&lt;br /&gt;TLDR, they come, they see, they happy&lt;br /&gt;&lt;br /&gt;Our Malaysian NGO and some /k supporter of Rohingya are encourage to migrate there as well to ensure that they are comfortable there. &lt;br /&gt;&lt;br /&gt;[@coyouth] [@internaldisputes]&lt;br /&gt;&lt;br /&gt;&lt;a href='https://www.benarnews.org/english/news/bengali/BG-Rohingya-BhashanChar-09082020164825.html' target='_blank'&gt;mau sos kicap?&lt;/a&gt;</description>
            <author>inspiron</author>
            <category>Kopitiam</category>
            <pubDate>Sat, 26 Sep 2020 14:23:37 +0800</pubDate>
        </item>
        <item>
            <title>receive a wage incentive of RM500 per month</title>
            <link>http://forum.lowyat.net/topic/4852462</link>
            <description>&lt;!--QuoteBegin--&gt;&lt;div class='quotetop'&gt;QUOTE&lt;/div&gt;&lt;div class='quotemain'&gt;&lt;!--QuoteEBegin--&gt;PETALING JAYA: Graduates who secure a job after being unemployed for more than a year will receive a wage incentive of RM500 per month under Budget 2020.&lt;br /&gt;&lt;br /&gt;Finance Minister Lim Guan Eng said under the Graduates@Work program, graduates who secure work would receive a wage incentive of RM500 per month for a duration of two years.&lt;br /&gt;&lt;br /&gt;&amp;quot;Employers will receive a hiring incentive up to RM300 per month for each new hire for two years,&amp;quot; he said when tabling the Budget 2020 in Parliament on Friday (Oct 11).&lt;br /&gt;&lt;br /&gt;Lim noted that there were more than half a million unemployed Malaysians in 2018, of whom 140,000 were unemployed graduates.&lt;br /&gt;&lt;br /&gt;Out of those unemployed, Lim said 290,000 were youths including those until 24 years old.&lt;br /&gt;&lt;br /&gt;Lim said the programme was designed specifically for the hiring of graduates who had been unemployed for more than a year.&lt;!--QuoteEnd--&gt;&lt;/div&gt;&lt;!--QuoteEEnd--&gt;&lt;br /&gt;&lt;br /&gt;Lets say a graduate out of job for 1 year, he found a new job after 2020 with basic salary rm2000. So with this Graduates@Work program, he&amp;#39;s going to get rm2000 + rm500&lt;br /&gt;But out of that total, how much can he actually spend? Answer is only rm2000 (havent deduct tax / epf / socso). What the article didnt tell you is the rm500 would be credited to his EPF account. &lt;br /&gt;&lt;br /&gt;This Graduates@Work program is sponsored by EPF, not the government. &lt;br /&gt;&lt;br /&gt;</description>
            <author>inspiron</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Thu, 17 Oct 2019 09:42:02 +0800</pubDate>
        </item>
        <item>
            <title>mentality of the crutches</title>
            <link>http://forum.lowyat.net/topic/4833605</link>
            <description>&lt;a href='https://www.facebook.com/DrTanakaMustafa/photos/a.204814406325905/1431442423663091/?type=3&amp;eid=ARC-ZNNiT2AqP7bwpQLrK1-lmDfDMIKFbqozihtXLEsQsEHxLPzh1hgzzr_2IPUuOYQQwcdhpgiLvt8T&amp;__tn__=EHH-R' target='_blank'&gt;sos bodo&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;!--QuoteBegin--&gt;&lt;div class='quotetop'&gt;QUOTE&lt;/div&gt;&lt;div class='quotemain'&gt;&lt;!--QuoteEBegin--&gt;Dr Tanaka Mustafa&lt;br /&gt;19 hrs · &lt;br /&gt;PENJAWAT AWAM: CHERITA POLISI, BUKAN POLITIK&lt;br /&gt;&lt;br /&gt;Oleh: Dr Tanaka Mustafa&lt;br /&gt;&lt;br /&gt;1) Zaman Pak Lah PM-5 adalah zaman kemewahan penjawat awam, termasuk polis, tentera dan bomba. Ia memecah polisi PM4 yang menjerut poket penjawat awam dengan skim gaji yang rendah.&lt;br /&gt;&lt;br /&gt;2) Pada zaman PM4, kebanyakan rakyat memandang tinggi kepada orang yang bekerja dengan syarikat swasta, kerana gaji pihak swasta yang tinggi. Manakala pekerjaan sebagai penjawat awam dipandang rendah, hatta pekerjaan yang mulia seperti guru sekolah juga tidak dipandang sebagai pekerjaan pilihan.&lt;br /&gt;&lt;br /&gt;3) Zaman Pak Lah, perubahan drastik skim gaji penjawat awam memperlihatkan para penjawat awam bagai mendapat durian runtuh. Bahkan polis-polis pangkat rendah juga dapat menikmati gaji yang lebih besar - pada masa yang sama juga Pak Lah menganjurkan kempen anti-rasuah dalam kalangan polis.&lt;br /&gt;&lt;br /&gt;4) Selari dengan kenaikan gaji polis, kempen anti-rasuah memperlihatkan kejayaan. Rasuah dalam kalangan polis berpangkat rendah berkurangan. Begitu juga dalam agensi-agensi lain.&lt;br /&gt;&lt;br /&gt;5) Kemewahan yang dinikmati penjawat awam seterusnya mengubah persepsi rakyat - kerja sebagai penjawat awam lebih terjamin - dengan adanya skim pencen. Maka pilihan kerja swasta tidak lagi menjadi pilihan utama walaupun bergaji besar. Gaji sama tinggi, tetapi penjawat awam ada skim pencen.&lt;br /&gt;&lt;br /&gt;6) Strategi Pak Lah memewahkan penjawat awam sebenarnya adalah langkah bijak merancakkan ekonomi negara. Para penjawat awam mampu membeli rumah-rumah kos sederhana dan mewah - merancakkan industri perumahan dan hartanah.&lt;br /&gt;&lt;br /&gt;7) Bahkan dalam industri permotoran, pembelian kereta-kereta nasional dan kereta import menjadi lebih rancak. Polisi skim gaji yang tinggi dan skim pencen bukan sahaja memewahkan penjawat awam, bahkan turut meningkatkan traffic jual beli dan keuntungan syarikat-syarikat swasta.&lt;br /&gt;&lt;br /&gt;8 ) Zaman PM6 DS Najib Razak meneruskan kerja-buat Pak Lah. Beliau tidak usik polisi ekonomi yang Pak Lah buat. Jika Pak Lah membantu ekonomi penjawat awam, beliau memilih untuk merancakkan ekonomi rakyat luar bandar tanpa mengusik polisi Pak Lah. Maka tercetuslah idea ECRL, Lebuhraya Borneo dan memantapkan sistem pengangkutan. Dengan cara itu, kerancangan ekonomi rakyat luar bandar akan dapat dipertingkat.&lt;br /&gt;&lt;br /&gt;9) Malangnya, PM7 hari ini adalah PM4 terdahulu. Tindak-tanduknya hari ini dilihat sedikit demi sedikit cuba menenggelamkan polisi PM5 dan PM6. Penjawat awam bakal dijerut kembali. Cuma nak sampai ke tahap zaman PM4, kita tak tahu lagi.&lt;br /&gt;&lt;br /&gt;Sekian&lt;br /&gt;&lt;br /&gt;p/s: Ini cherita polisi. Kalau anda heret isu skandal 1MDB, Altantuya, Scorpene etc, anda bawa cherita politik. Sila reti beza. &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;!--QuoteEnd--&gt;&lt;/div&gt;&lt;!--QuoteEEnd--&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='https://www.thestar.com.my/metro/views/2017/02/03/bloated-civil-service-high-amount-of-taxpayers-money-is-used-to-pay-salaries-and-pensions-of-govt-st' target='_blank'&gt;counter argument&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;!--QuoteBegin--&gt;&lt;div class='quotetop'&gt;QUOTE&lt;/div&gt;&lt;div class='quotemain'&gt;&lt;!--QuoteEBegin--&gt;Bloated civil service&lt;br /&gt;VIEWS&lt;br /&gt;Friday, 03 Feb 2017&lt;br /&gt;&lt;br /&gt;12:00 AM MYT&lt;br /&gt;By Andrew Lo&lt;br /&gt;&lt;br /&gt;High amount of taxpayers money is used to pay salaries and pensions of govt staff&lt;br /&gt;&lt;br /&gt;FINALLY Malaysia has a superlative – we are the country with the largest civil service relative to our population in the world.&lt;br /&gt;&lt;br /&gt;To hear such frank remarks from Second Finance Minister Datuk Johari Abdul Ghani is eye-opening.&lt;br /&gt;&lt;br /&gt;I hope that this acknowledgment will give the Government the political will to do something about it. It takes a very brave politician to say this as the civil service and their families represent a large number of votes.&lt;br /&gt;&lt;br /&gt;So how big is the Malaysian civil service? We have a total of 1.6 million civil servants – that is one government servant to service 19.37 Malaysians. For comparison, the proportion of civil servants to the national population in other countries is 1 to 71.4 people in Singa-pore, 1:110 in Indonesia, 1:50 in Korea, 1:108 in China, 1:28 in Japan, 1:84 in Russia and 1:118 in Britain.&lt;br /&gt;&lt;br /&gt;In 2009, Malaysia’s civil servants-to-population ratio was the highest in Asia Pacific. The ratio was 4.68%, compared with Singapore’s 1.4%, Indonesia’s 1.79%, South Korea’s 1.85% and Thailand’s 2.06% – all of which were less than half our ratio.&lt;br /&gt;&lt;br /&gt;So we have improved from Asian champions to world champions.&lt;br /&gt;&lt;br /&gt;The bloated civil service has caused government expenditure to increase yearly, leading to the escalating drop in revenue. Already 80% of the Federal Government’s annual budget goes towards operating expenditure and a large chunk of this is to pay for salaries and pensions.&lt;br /&gt;&lt;br /&gt;I may be a union guy and should be happy to see more jobs created. But I am also a taxpayer and nothing saddens me more than to see so much of our tax money going towards salaries for a bloated and consequently low-productivity civil service. This leaves much less for development and investments in education and skills training.&lt;br /&gt;&lt;br /&gt;It is unfortunate that Johari asserted that the Government had no plans to reduce the number of civil servants although their remuneration and pensions continued to soar.&lt;br /&gt;&lt;br /&gt;“We will not reduce our existing civil service. Instead, we should encourage civil servants to undertake more jobs in their respective departments to increase their productivity,” he was reported as saying.&lt;br /&gt;&lt;br /&gt;“In 2003, the pay of the public servants totalled RM22bil, but it has increased to RM74bil by 2016. In 2003, the pension of civil servants was RM5.9bil and in 2016 the amount soared to RM19bil,” he said.&lt;br /&gt;&lt;br /&gt;If nothing is done now, the numbers will continue to increase and the Government’s income will gradually decline. It must be noted that when these civil servants retire, the pension bill will shoot through the roof and this is going to be a major perennial issue.&lt;br /&gt;&lt;br /&gt;Another issue is the lopsided ethnic composition of the civil service with 78.8% Malay, 6.1% bumiputra Sabah, 4.8% bumiputra Sarawak, 5.2% Chinese and 4.1% Indian as at December 2014.&lt;br /&gt;&lt;br /&gt;The government is turning to the private sector to generate more revenue to continue to be able to pay the civil servants.&lt;br /&gt;&lt;br /&gt;Minister in the Prime Minister’s Department Datuk Joseph Entulu said: “And in the long run, we need investors and the business community to expand our economy. We also need more foreign direct investment so that the private sector will become the major employer for the nation in the future.”&lt;br /&gt;&lt;br /&gt;As it stands, our civil servants account for 11% of the labour force, again much more compared with South Korea at about 5.7% of the labour force and Japan at 6.7%.&lt;br /&gt;&lt;br /&gt;And how come we still have such a bloated civil service after all the privatisation projects during the past three decades?&lt;br /&gt;&lt;br /&gt;Such privatisation is touted to save government expenditure and provide a more efficient and cost-effective service to the public. Instead, not only do we have a bloated civil service, costs to the public have gone up.&lt;br /&gt;&lt;br /&gt;I experienced this recently when my son wanted to get a motorcycle licence. Despite the Government’s heroic announcement to reduce the fees to RM211 for a B2 licence, it potentially costs much more as that is good for only one attempt and subsequent attempts cost an additional RM175.&lt;br /&gt;&lt;br /&gt;So smart driving schools offer a second package at almost RM600, where subsequent attempts cost only RM15. My son friend told me that those who opt for the cheaper package often needed more than one attempt to get the licence.&lt;br /&gt;&lt;br /&gt;So we reluctantly opted for the second and more expensive option. Most school-leavers from the kampung who need a motorcycle licence to get a job as a despatch boy cannot afford RM600.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Read more at &lt;a href='https://www.thestar.com.my/metro/views/2017/02/03/bloated-civil-service-high-amount-of-taxpayers-money-is-used-to-pay-salaries-and-pensions-of-govt-st#3MRgHRdHrtyLQR0G.99' target='_blank'&gt;https://www.thestar.com.my/metro/views/2017...HRdHrtyLQR0G.99&lt;/a&gt;&lt;!--QuoteEnd--&gt;&lt;/div&gt;&lt;!--QuoteEEnd--&gt;&lt;br /&gt;&lt;br /&gt;Tak pe la kalau Malaysia bankrupt satu hari nanti, asal orang kita dapat kerja senang kan. &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;!--QuoteBegin--&gt;&lt;div class='quotetop'&gt;QUOTE&lt;/div&gt;&lt;div class='quotemain'&gt;&lt;!--QuoteEBegin--&gt;KUALA LUMPUR: The government is reviewing the pension scheme for future enrolments into the civil service, says Deputy Minister in the Prime Minister’s Department Datuk Mohamed Farid Md Rafik.&lt;br /&gt;&lt;br /&gt;He assured the public that changes, if any, would not affect existing civil servants and pensioners.&lt;br /&gt;&lt;br /&gt;“Many policies have been improved to ensure that civil service pension benefits were always adequate in respect of Article 147 of the Federal Constitution, namely securing the rights of pensioners,” he told Dewan Rakyat, here, today.&lt;br /&gt;&lt;br /&gt;“For existing civil servants and pensioners, the current pension schemes will be retained.&lt;br /&gt;&lt;br /&gt;“However, for new civil servants in the future, the government is studying renewal of civil service comprehensively including post-service aspects.”&lt;br /&gt;&lt;br /&gt;Farid was responding to a question from Datuk Shamsul Anuar Nasarah (BN-Lenggong) on the government’s plan to restructure the civil service.&lt;br /&gt;&lt;br /&gt;He said the government might only consider salary increments for the civil service when the sector was more productive.&lt;br /&gt;&lt;br /&gt;“The combination of downsizing the civil service and increasing productivity is expected to generate more income for the nation, and when that happens the government will be ready to consider increments for the civil service,” he said&lt;br /&gt;&lt;br /&gt;The country has 1.7 million civil servants. About 94 per cent of positions in the civil service are filled.&lt;br /&gt;&lt;br /&gt;The government’s plan to downsize the sector, said Farid, would be carried out by addressing the overlap of functions between departments and agencies, rationalising existing positions, optimising human resource, outsourcing, finding alternative service delivery options, privatisation, as well as technology integration and needs-based filling of positions.&lt;br /&gt;&lt;br /&gt;“The government will ensure the best talents and high-potential officers are positioned appropriately, thus boosting public trust in the civil service.”&lt;!--QuoteEnd--&gt;&lt;/div&gt;&lt;!--QuoteEEnd--&gt;&lt;br /&gt;&lt;br /&gt;TL:DR: Malaysia is the world champion in Government servant vs population ratio &lt;br /&gt;Amount of salary paid and pension is unsustainable&lt;br /&gt;Government today plan to stop this nonsense&lt;br /&gt;But you know who take out card to protek protek ......coz still need tongkat</description>
            <author>inspiron</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Fri, 06 Sep 2019 08:33:20 +0800</pubDate>
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            <title>WTS Umobile prepaid credit</title>
            <link>http://forum.lowyat.net/topic/4723106</link>
            <description>&lt;b&gt;Item(s):Umobile prepaid credit&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Package includes: - &lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Price:rm6 for rm9.80 reload (umobile charge you 20cent and charge me rm0.50 so I only get 5.50/10)&lt;/b&gt;  &lt;span style='color:red'&gt;(&amp;#33;&amp;#33;&amp;#33;NOTICE&amp;#33;&amp;#33;&amp;#33;: Sellers are required to display the exact selling prices of their products. Failure to do so will result in the deletion of the topic)&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Warranty: none&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Dealing method: COD or bankin &lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Location:Penang island&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Contact method/details:pm me your details&lt;/b&gt;&lt;br /&gt;---&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Item(s) conditions:&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Picture:&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Reason for sale:I got RM184 credit, want to sell off rm150&lt;/b&gt;</description>
            <author>inspiron</author>
            <category>Garage Sales</category>
            <pubDate>Tue, 15 Jan 2019 14:39:35 +0800</pubDate>
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            <title>Repair power supply for S9 / L3 / T9</title>
            <link>http://forum.lowyat.net/topic/4666517</link>
            <description>Repair power supply / psu for S9 / L3 / T9 Antminer&lt;br /&gt;RM 70&lt;br /&gt;Penang Island&lt;br /&gt;</description>
            <author>inspiron</author>
            <category>Services Noticeboard</category>
            <pubDate>Mon, 01 Oct 2018 16:38:33 +0800</pubDate>
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        <item>
            <title>[WTS] PS4 Pro 1TB</title>
            <link>http://forum.lowyat.net/topic/4658860</link>
            <description>&lt;b&gt;Item(s):PS4 Pro 1TB 4k&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Package includes:PS4 Pro Console, original controller box and any wiring that came together with it. &lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Price:item sold&lt;/b&gt; &lt;br /&gt;&lt;br /&gt;&lt;b&gt;Warranty:&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Dealing method:COD&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Location:Penang island&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Contact method/details:PM me your contact number&lt;/b&gt;&lt;br /&gt;---&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Item(s) conditions:Seldom use. &lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Picture:&lt;img src='https://i.imgur.com/hza1Luj.jpg' border='0' alt='user posted image' /&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Reason for sale:not using anymore&lt;/b&gt;</description>
            <author>inspiron</author>
            <category>Garage Sales</category>
            <pubDate>Tue, 18 Sep 2018 16:35:19 +0800</pubDate>
        </item>
        <item>
            <title>Malaysia have 1T debt? Meh</title>
            <link>http://forum.lowyat.net/topic/4603607</link>
            <description>[YOUTUBE]EPjrFjAxwlw[/YOUTUBE]&lt;br /&gt;&lt;br /&gt;Their situation is worse as their social security is at risk now of not being to pay for their retirement fund&lt;br /&gt;&lt;br /&gt;At least of EPF didnt get siphoned of so much money from UMNO</description>
            <author>inspiron</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Tue, 19 Jun 2018 16:37:45 +0800</pubDate>
        </item>
        <item>
            <title>Let&amp;#39;s clean up KL from abandoned vehicle</title>
            <link>http://forum.lowyat.net/topic/4382164</link>
            <description>&lt;!--QuoteBegin--&gt;&lt;div class='quotetop'&gt;QUOTE&lt;/div&gt;&lt;div class='quotemain'&gt;&lt;!--QuoteEBegin--&gt;Those who want to contact DBKL on abandoned cars can call DBKL Complaints Hotline at 1800 88 3255 or DBKL Enforcement Department Operations Room at 03-4024 4424 (24-hours).&lt;br /&gt;&lt;br /&gt;The public can also Whatsapp at 019- 212 0031.&lt;br /&gt;&lt;br /&gt;&lt;!--QuoteEnd--&gt;&lt;/div&gt;&lt;!--QuoteEEnd--&gt;&lt;br /&gt;&lt;br /&gt;&lt;img src='http://vault.starproperty.my.s3.amazonaws.com/wp-content/uploads/2013/10/section8.jpg' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='http://www.thestar.com.my/metro/community/2017/08/08/scouting-for-new-locations-dbkl-has-also-held-several-auctions-to-free-up-space-at-its-depots/' target='_blank'&gt;sos itek&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;come do your part.&lt;br /&gt;&lt;br /&gt;take a pic of abandoned car, put exact location, whatsapp details and post it here&lt;br /&gt;&lt;br /&gt;</description>
            <author>inspiron</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Tue, 08 Aug 2017 10:16:52 +0800</pubDate>
        </item>
        <item>
            <title>10 Reasons Why I’ll Never Be Vegan</title>
            <link>http://forum.lowyat.net/topic/4021068</link>
            <description>&lt;a href='http://empoweredsustenance.com/is-vegan-healthy/' target='_blank'&gt;sos&lt;/a&gt;&lt;br /&gt;Read from the webpage above....easier on the eye  &lt;!--emo&amp;:cool2:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/cool2.gif' border='0' style='vertical-align:middle' alt='cool2.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;&lt;br /&gt;come and banter here [@icehart85]&lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('4df2dea1992c615eb2f71fc2fc74d8e4')&quot; style=&quot;font-weight: bold&quot;&gt;&lt;u&gt;&amp;raquo; Click to show Spoiler - click again to hide... &amp;laquo;&lt;/u&gt;&lt;/div&gt;&lt;div class=&quot;spoilermain&quot; id=&quot;4df2dea1992c615eb2f71fc2fc74d8e4&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;&lt;!--QuoteBegin--&gt;&lt;div class='quotetop'&gt;QUOTE&lt;/div&gt;&lt;div class='quotemain'&gt;&lt;!--QuoteEBegin--&gt;10 Reasons Why I’ll Never Be Vegan&lt;br /&gt;&lt;br /&gt;Is veganism healthy? Here are 10 reasons why this nutritional therapist will never be vegan.&lt;br /&gt;&lt;br /&gt;Is vegan healthy?&lt;br /&gt;&lt;br /&gt;Recently, I’ve received a few emails from readers who’ve asked me, “I’m so confused about a healthy diet&amp;#33; Is vegan healthy? I’ve read/seen [enter vegan book or documentary here] promoting a vegan lifestyle, but I know that you eat many animal products.”&lt;br /&gt;&lt;br /&gt;Food is complicated, but let’s start with the many aspects of a balanced diet on which everyone agrees – even the vegans and paleos&amp;#33; This includes:&lt;br /&gt;&lt;br /&gt;Enjoy an abundance of freshly prepared vegetables&lt;br /&gt;Minimized processed foods and instead cook meals from scratch&lt;br /&gt;Eat mindfully and slowly&lt;br /&gt;Source local, organic foods and support small farms&lt;br /&gt;But what about the question of eating animals products? I firmly believe that properly-sourced animal products are essential to both the health of the human race and the health of the planet. Here are 10 reasons why I will never be a vegan.&lt;br /&gt;&lt;br /&gt;1. A vegan diet never sustained any traditional culture&lt;br /&gt;&lt;br /&gt;Dr. Weston Price, a dentist with a passion for nutrition, traveled the globe to discover the secrets of healthy, happy people. He recorded his findings in the 30’s in the landmark book, Nutrition and Physical Degeneration. From the Inuit in Alaska to the Maori in New Zealand, Dr. Price revealed that the diets traditional to each culture, although dependent on geography, followed a strict set of dietary laws.&lt;br /&gt;&lt;br /&gt;Perhaps the most striking commonality is an unerring reverence for animal foods. No traditional culture subsisted on a vegan diet, a fact that Dr. Price found particularly interesting.&lt;br /&gt;&lt;br /&gt;Some cultures, such as the Masai tribe in Africa, consumed almost exclusively animal products. The Masai ate meat, milk and blood from their cattle, experiencing profound health and incredible bone structure (which is an indicator of generational health). Cultures – such as the Inuit – that didn’t practice animal husbandry caught wild meat or fish. Groups who had the least access to animal products would forage for grubs and bugs.&lt;br /&gt;&lt;br /&gt;The China Study (which is a book title, not a study) has been used to promote the idea that primarily vegan cultures experience better health than omnivorous cultures. T. Campbell, the author, notoriously cherry-picked data to arrive at a specific conclusion. Denise Minger, author of Death by Food Pyramid, published a scathing critique of Cambell’s work in her article, The China Study: Fact or Fiction.&lt;br /&gt;&lt;br /&gt;Read more and sources: Nutrition and Physical Degeneration, Nourishing Traditions, The China Study: Fact or Fiction&lt;br /&gt;&lt;br /&gt;2. Vegan diets do not provide fat-soluble vitamins A and D&lt;br /&gt;&lt;br /&gt;Contrary to popular belief, you can’t get vitamin A from carrots. Vegetables provide carotene, a precursor to vitamin A, while animal sources such as liver and pastured egg yolks provide true vitamin A. Many people believe that carotene can be converted into vitamin A, but this conversion is usually insignificant. First, it takes a huge amount of carotene to convert to a moderate amount of vitamin A. Second, when there is poor thyroid function, impaired digestion or a a lack of healthy fats in the diet, this conversion won’t happen.&lt;br /&gt;&lt;br /&gt;In the same way, useable vitamin D (natural vitamin D3) is only found in animal products such as pastured egg yolks, cod liver oil and dairy products from grass-grazing animals. Traditionally, ancient cultures that lived in darker environments relied heavily on these vitamin-D rich foods (for example, Scandinavians ate copious amounts of salmon and grassfed butter). The myth that we can obtain vitamin D from mushrooms is false… mushrooms contain vitamin D2, which is extremely poorly absorbed.&lt;br /&gt;&lt;br /&gt;Vitamin A and Vitamin D are particularly essential for immune regulation, digestion, fertility and hormone balance.&lt;br /&gt;&lt;br /&gt;Read more and sources: True Vitamin A Foods, The Vitamin A Saga, Vitamin D in Mushrooms?&lt;br /&gt;&lt;br /&gt;3. Vegan diets often rely heavily on soy&lt;br /&gt;&lt;br /&gt;Soy, soy, the magical fruit. The more you eat, the more… your hormones go berserk&amp;#33;&lt;br /&gt;&lt;br /&gt;10 years ago, a vegan diet equated to vegetables interspersed with soy milk, soy cheese, soy bacon, soy protein, soy cereal, tofu, and tempeh. Now, the health problems with chronic soy consumption are becoming more mainstream anedemame 2d many vegans have reduced their soy consumption. Even so, a vegan diet often relies on a moderate amount of soy products  – especially soy protein powders and soy protein bars.&lt;br /&gt;&lt;br /&gt;The primary concern with consuming soy in any form is the phytoestrogen content. Phytoestrogens can mimic estrogen in the body, causing a chain reaction of hormone imbalances. Although studies showing the hormonal effects of consuming soy are controversial, I believe the research indicates that we should play it safe rather than sorry. For example, one study showed that infants consuming soy formula had concentrations of blood estrogen levels 13,000 to 22,000 times higher than normal estrogen levels&amp;#33;&lt;br /&gt;&lt;br /&gt;Read more, studies and sources: Exposure of infants to phyto-oestrogens from soy-based infant formula, Studies showing the adverse affects of dietary soy, Is Soy Bad for You or Good For You?  (a great summary of research on soy and why it may be biased)&lt;br /&gt;&lt;br /&gt;4. Vegan diets do not provide vitamin K2&lt;br /&gt;&lt;br /&gt;Vitamin K2 is the shuttle that transports calcium into your bones. You can eat as much calcium as you want but it won’t strengthen your bones unless it is accompanied by vitamin K2. This is one reason why calcium supplementation has beencheese slice shown to increase the risk of plaque formation – the body can’t use the calcium for building bones so it stores it in the arteries.&lt;br /&gt;&lt;br /&gt;Unlike vitamin K1, plants do not provide vitamin K2. (The one and only exception to this rule is natto, a fermented soybean product. One problem, however, is that natto is, for the majority of humans and animals, repulsive to eat). Like other fat-soluble vitamins, Vitamin K2 is found fatty sources – Mother Nature packages the vitamin with the cofactors required to absorb it. You’ll get vitamin K2 in pastured egg yolks, milk and cheese from grassfed animals, liver, beef, and chicken.&lt;br /&gt;&lt;br /&gt;Read more and sources: Vitamin K2 and The Calcium Paradox&lt;br /&gt;&lt;br /&gt;5. Ethical omnivorism supports a healthy planet&lt;br /&gt;&lt;br /&gt;What is ethical omnivorism? I define it as choosing sustainably-raised animal products from small, local producers. With a little planning and careful selection, can be relatively budget-friendly. I think people should eat less meat, but a much higher quality to support the demand for pasture-raised meats. &amp;#036;1 hamburgers have no place in an ethical omnivore world. &lt;br /&gt;&lt;br /&gt;Our ecosystem relies on a self-regulating balance of  predators and prey. This system worked well with humans and their prey until we began inhumane farming practices that compromise the wellbeing of animals, the health of humans, and the health of the planet.&lt;br /&gt;&lt;br /&gt;But just like Confined Feeding Animal Operations aren’t the answer to a healthy planet, neither is veganism. Vegan diets ten to demand a higher quantity of cereal grains and soy, crops which wreak havoc on our ecosystem due to mass farming techniques. On the other hand, grass-grazing animals can nourish stripped soil and even reverse desertification&amp;#33;&lt;br /&gt;&lt;br /&gt;Read more and sources: Joel Salatin on Grassfed Beef (video), Reversing Desertification with Grassfed Cows, Eat the Yolks.&lt;br /&gt;&lt;br /&gt;6.  Real Food &amp;gt; Fake Food&lt;br /&gt;&lt;br /&gt;How do you create cheese, milk and meat without cheese, milk and meat? With a slew of non-foods including stabilizers, gums, thickeners and highly processed protein extracts. Yummy.&lt;br /&gt;&lt;br /&gt;Let’s consider the example of Earth Balance, a non-dairy butter often used in vegan diets.&lt;br /&gt;&lt;br /&gt;Ingredients in a Earth Balance: Palm fruit oil, canola oil, safflower oil, flax oil, olive oil, salt, natural flavor, pea protein, sunflower lecithin, lactic acid, annatto color.&lt;br /&gt;Ingredients in butter: butter.&lt;br /&gt;vertical butterHumans have been eating butter for thousands of years. We only started producing canola oil in the last century. Butter is real food, but canola oil is a freak of nature. Similarly, pea protein and natural flavors are highly processed non-foods.&lt;br /&gt;&lt;br /&gt;Fortunately, more and more people are becoming aware that processed vegan products are just that – highly processed. Still, many vegans reach for these options on a regular basis.&lt;br /&gt;&lt;br /&gt;Read more: 7 reasons to never use canola oil, 6 reasons to avoid non dairy milks.&lt;br /&gt;&lt;br /&gt;7.  Vegan isn’t the answer to autoimmune disease&lt;br /&gt;&lt;br /&gt;Autoimmunity is a 21st century epidemic, with 50 million people suffering with an autoimmune disease in America (according to AARDA) But did you know that you can address autoimmunity with diet? I’m living proof that it works&amp;#33; Three years ago, my ulcerative colitis was so advanced that my doctors wanted to remove my colon. Instead, I decided to do whatever it took to heal myself naturally. Now, I’m completely symptom free (and colon intact&amp;#33;) thanks to my dietary changes.&lt;br /&gt;&lt;br /&gt;All disease begins in the gut, and all disease must be addressed by improving gut health. In the case of autoimmunity, the intestines are permeable to bacterial toxins and undigested proteins (leaky gut), which cause an problematic immune response.&lt;br /&gt;&lt;br /&gt;To heal leaky gut, specific foods must be removed from the diet and nutrient-dense foods should be emphasized. The two leaders in leaky gut dietary treatment – Dr. Natasha Campbell McBride and Sarah Ballantyne – both agree that animal products are a nonnegotiable, essential part of healing leaky gut to address autoimmunity.&lt;br /&gt;&lt;br /&gt;Read more and sources: The Gut and Psychology Syndrome Diet, The Paleo Approach, Breaking the Vicious Cycle.&lt;br /&gt;&lt;br /&gt;8.  You must take life to have life&lt;br /&gt;&lt;br /&gt;Many people choose veganism because they think it cruel to take a life, but something dies no matter what you eat. For example, field mice were demolished in order to grow the corn for a box of vegan cereal.&lt;br /&gt;&lt;br /&gt;Further, plants are living beings, capable of communicating with each other and the world around them. Controversial but intriguing research, discussed in this documentary, indicates that plants can even sense and respond to human emotions&amp;#33;&lt;br /&gt;&lt;br /&gt;Nutritional Therapist Liz Wolf sums it up perfectly in her book Eat the Yolks:&lt;br /&gt;&lt;br /&gt;If we truly believe that no living thing should have to die for our dinner, we shouldn’t eat at all. If we truly believe that all life deserves equal respect, why not equalize ourselves by embracing the elegant fact that we are all, as Nelson writes, “driven by the same hungers that motivate any other creature— the squirrel in the forest, the vole in the meadow, the bear on the mountainside, the deer in the valley”?&lt;br /&gt;&lt;br /&gt;Read more and sources: The Secret Life of Plants (free documentary on Youtube), Eat the Yolks, The Intelligent Plant.&lt;br /&gt;&lt;br /&gt;9. Vegan diets are deficient in vitamin B12 and iron&lt;br /&gt;&lt;br /&gt;Like vitamin A, D and K2, the readily-absorbed form of vitamin B12 and iron is found only in animal sources (are you seeing a pattern here?). Testing with the most up-to-date methods show that 83% of vegans are B12 deficient, compared to 5% of omnivores.&lt;br /&gt;&lt;br /&gt;What about spirulina and brewer’s yeast as a source of B12? Chris Kresser has an excellent post on vegan diets and vitamin deficiencies in which he addresses this question:&lt;br /&gt;&lt;br /&gt;A common myth amongst vegetarians and vegans is that it’s possible to get B12 from plant sources like seaweed, fermented soy, spirulina and brewers yeast. But plant foods said to contain B12 actually contain B12 analogs called cobamides that block the intake of, and increase the need for, true B12. (4)&lt;br /&gt;&lt;br /&gt;Chris also discusses iron in his post. While plants such as lentils and leafy greens do provide some iron, it is not as well-absorbed as animal-based iron. He explains,&lt;br /&gt;&lt;br /&gt;Vegetarians and vegans have lower iron stores than omnivores, and […] vegetarian diets have been shown to reduce non-heme iron absorption by 70% and total iron absorption by 85%. (6, 7)&lt;br /&gt;&lt;br /&gt;Read more and sources: Why You Should Think Twice About Vegetarian and Vegan Diets, Eat the Yolks&lt;br /&gt;&lt;br /&gt;10. Animal fats offer unique nutrients&lt;br /&gt;&lt;br /&gt;Have you heard that flax seeds, walnuts, hemp seeds and chia seeds are all excellent sources of omega-3? That may be true, but these plant sources provide a form of omega-3 that is not well absorbed by the body.&lt;br /&gt;&lt;br /&gt;Is veganism healthy? Here are 10 reasons why this nutritional therapist will never be vegan.The omega-3 in plant sources, such as flaxseed and walnuts, is ALA. ALA must be converted to EPA or DHA in the body to be useable. Unfortunately, the conversion between ALA and EPA/ DHA is extremely low. One study showed that women convert about 21% of ALA to EPA and 9% to DHA. The conversion rates for men are even lower.&lt;br /&gt;&lt;br /&gt;Further, as Chris Kresser points out in his article on vegan nutrient deficiencies, “the conversion of ALA to DHA depends on zinc, iron and pyridoxine—nutrients which vegetarians and vegans are less likely than omnivores to get enough of.”&lt;br /&gt;&lt;br /&gt;Fats from sustainably-raised animals provide unique health benefits not found in plant sources:&lt;br /&gt;&lt;br /&gt;EPA and DHA, the active forms of omega-3 vital for cognitive function, are found only in animal sources such as fatty fish.&lt;br /&gt;Fat soluble vitamins A, D and K2 are found in fatty animal products (discussed above).&lt;br /&gt;Cholesterol, a vital ingredient for healthy hormones, can be dietarily obtained only through animal sources. Yes, the body can produce cholesterol, but dietary cholesterol is a key part of wellness including memory, liver health, and digestion.&lt;br /&gt;But don’t cholesterol-rich saturated fats cause heart disease? Nope&amp;#33; Saturated fats were wrongly blamed for heart disease with the help of poor research and sleazy food politics. Now, even mainstream sources are acknowledging the science.  For example, the 2014 June cover of Time Magazine announced, “Eat butter. Scientists labeled fat the enemy. Why they were wrong.”&lt;br /&gt;&lt;br /&gt;Read more, studies and sources: 5 Reasons Why Butter is a Superfood, Cholesterol and Heart Disease, 2010 meta-analysis on saturated fat consumption, 2014 meta-analysis on saturated fat consumption, study on ALA conversion, Nourishing Traditions, Why You Should Think Twice About Vegetarian and Vegan Diets.&lt;!--QuoteEnd--&gt;&lt;/div&gt;&lt;!--QuoteEEnd--&gt;&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;tldr:&lt;br /&gt;1. A vegan diet never sustained any traditional culture&lt;br /&gt;2. Vegan diets do not provide fat-soluble vitamins A and D&lt;br /&gt;3. Vegan diets often rely heavily on soy&lt;br /&gt;4. Vegan diets do not provide vitamin K2&lt;br /&gt;5. Ethical omnivorism supports a healthy planet&lt;br /&gt;6.  Real Food &amp;gt; Fake Food&lt;br /&gt;7.  Vegan isn’t the answer to autoimmune disease&lt;br /&gt;8.  You must take life to have life&lt;br /&gt;9. Vegan diets are deficient in vitamin B12 and iron&lt;br /&gt;10. Animal fats offer unique nutrients&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Disturbing feedback in the comment column:&lt;br /&gt;&lt;!--QuoteBegin--&gt;&lt;div class='quotetop'&gt;QUOTE&lt;/div&gt;&lt;div class='quotemain'&gt;&lt;!--QuoteEBegin--&gt;Mary&lt;br /&gt;OCTOBER 13, 2014 AT 4:32 PM&lt;br /&gt;&lt;br /&gt;I am a young teen who has not reached my full height, and a fear my growth may be stunted. I am currently consuming about 120 grams of protien a day, coming mostly from animal products.&lt;span style='font-size:14pt;line-height:100%'&gt; &lt;span style='color:red'&gt;After going vegetarian for over 6 months, I was startled to learn I hadn’t grown an inch during that time&lt;/span&gt;&lt;/span&gt;, and I also lost significant and unhealthy weight, which i have regained. It has been a year since I resumed eating meat, and I might have grown 1/2 an inch. While I am not unusually short, &lt;span style='color:red'&gt;&lt;span style='font-size:14pt;line-height:100%'&gt;my younger sister, who has always eaten meat, is a full inch taller than me&lt;/span&gt;&lt;/span&gt;. I have not gotten my period yet. Is there anything I can do to promote growth?&lt;!--QuoteEnd--&gt;&lt;/div&gt;&lt;!--QuoteEEnd--&gt;  &lt;!--emo&amp;:shock:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/shocking.gif' border='0' style='vertical-align:middle' alt='shocking.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;&lt;br /&gt;Just imagine, you put your family on Vegan diet, your children all grow up below average height. So much with being healthy</description>
            <author>inspiron</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Thu, 04 Aug 2016 14:38:21 +0800</pubDate>
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        <item>
            <title>(WTS) LifeStraw Portable Personal Water Filter</title>
            <link>http://forum.lowyat.net/topic/3861344</link>
            <description>Item(s): LifeStraw Portable Personal Water Filter &lt;br /&gt;&lt;br /&gt;Package includes: the plastic wrapper that come with it (already open)&lt;br /&gt;&lt;br /&gt;Price: rm30&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Warranty: None. &lt;br /&gt;&lt;br /&gt;Dealing method: COD. If by post, you&amp;#39;ll need to cover the cost&lt;br /&gt;&lt;br /&gt;Location of seller: Penang&lt;br /&gt;&lt;br /&gt;Contact method/details: pm me for more info&lt;br /&gt;&lt;br /&gt;Age of item: few months&lt;br /&gt;&lt;br /&gt;---&lt;br /&gt;&lt;br /&gt;Item(s) conditions: Good working condition.&lt;br /&gt;&lt;br /&gt;Pictures: will post up later&lt;br /&gt;&lt;br /&gt;market price: rm69-89&lt;br /&gt;&lt;br /&gt;reason to let go: I&amp;#39;ve upgraded to other water filter&lt;br /&gt;&lt;br /&gt;I got 1 lifestraw wanted to let go. &lt;br /&gt;I&amp;#39;ve opened it but have not use before. (You can know the 1st time you use it as you need to suck a few times before the water will come out. )&lt;br /&gt;&lt;br /&gt;&lt;a href='http://lifestraw.com' target='_blank'&gt;lifestraw.com&lt;/a&gt;</description>
            <author>inspiron</author>
            <category>Sports Garage Sales</category>
            <pubDate>Thu, 04 Feb 2016 14:52:24 +0800</pubDate>
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            <title>Wife caught husband red-handed with his girlfriend</title>
            <link>http://forum.lowyat.net/topic/3710684</link>
            <description>&lt;!--QuoteBegin--&gt;&lt;div class='quotetop'&gt;QUOTE&lt;/div&gt;&lt;div class='quotemain'&gt;&lt;!--QuoteEBegin--&gt;Today at goa airport ....sitting is her husbands girl friend..... he lied to his wife and said he is going to goa fir n meeting his wife douted him and took another flight to goa and than this is what happens on the goa airport&lt;!--QuoteEnd--&gt;&lt;/div&gt;&lt;!--QuoteEEnd--&gt;&lt;br /&gt;&lt;br /&gt;[video]https://video-kul1-1.xx.fbcdn.net/hvideo-xpa1/v/t42.1790-2/11248926_1649170122024705_1841100607_n.mp4?efg=eyJybHIiOjYxNywicmxhIjo1OTB9&amp;amp;rl=617&amp;amp;vabr=343&amp;amp;oh=8bba4947604b0bda4f26fbfb4d153872&amp;amp;oe=55F52448[/video]&lt;br /&gt;&lt;br /&gt;Can someone help to translate what is the conversation?&lt;br /&gt;&lt;br /&gt;To those who can&amp;#39;t view the video&lt;br /&gt;&lt;a href='https://www.facebook.com/nash.onenationmedia/videos/1649169715358079/' target='_blank'&gt;sos&lt;/a&gt;</description>
            <author>inspiron</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Sun, 13 Sep 2015 13:36:26 +0800</pubDate>
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