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        <title>Lowyat.NET: Latest topics by brotan</title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Thu, 04 Jun 2026 16:47:25 +0800</lastBuildDate>
        <generator>FeedCreator 1.7.2</generator>
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            <title>WTA soal selidik PT3 Geography Sejarah project</title>
            <link>http://forum.lowyat.net/topic/4582530</link>
            <description>Hi all,&lt;br /&gt;&lt;br /&gt;Want to ask&lt;br /&gt;&lt;br /&gt;Those who has children already taken PT3 in the past or actual student, for PT3 project (Geography, Sejarah) on soal selidik, the form must be filled up by the person kena interview or the student can do voice recording and write themselves?&lt;br /&gt;&lt;br /&gt;Would appreciate those who feedback has actual experience&lt;br /&gt;&lt;br /&gt;thanks</description>
            <author>brotan</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Sun, 13 May 2018 12:24:24 +0800</pubDate>
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            <title>Estimate cost difference between otr and car only</title>
            <link>http://forum.lowyat.net/topic/4257034</link>
            <description>Hi&lt;br /&gt;&lt;br /&gt;Looking to buy 2nd hand car, specially Myvi. Price range between 20k to 30k&lt;br /&gt;&lt;br /&gt;I noticed the difference between otr and car only price is about 4k to 6k&lt;br /&gt;&lt;br /&gt;Is the price different that big? Especially if i have no claims and looking at 3rd party insurance &lt;br /&gt;&lt;br /&gt;What&amp;#39;s the reasonable price difference? &lt;br /&gt;&lt;br /&gt;Thanks &lt;br /&gt;&lt;br /&gt;</description>
            <author>brotan</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Sat, 08 Apr 2017 12:37:24 +0800</pubDate>
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            <title>Question on Hotlink Fast plan</title>
            <link>http://forum.lowyat.net/topic/4191382</link>
            <description>&lt;a href='https://www.hotlink.com.my/en/plans/fast.html?gclid=CPvn2sD8_NECFUMDvAod6g0Jiw&amp;gclsrc=aw.ds&amp;dclid=COT76cD8_NECFQ7SvAodHakFpQ' target='_blank'&gt;https://www.hotlink.com.my/en/plans/fast.ht...CFQ7SvAodHakFpQ&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;Hi all,&lt;br /&gt;&lt;br /&gt;Want to ask regarding this plan&lt;br /&gt;&lt;br /&gt;There&amp;#39;s an option as below&lt;br /&gt;&lt;br /&gt;Add 1GB at only RM1 &lt;br /&gt;- Valid 7 days. Applicable for all monthly passes. &lt;br /&gt;- Dial *100# to subscribe.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;I asked the customer service, they told me i can subscribe to this as many times as i want within the same month&lt;br /&gt;&lt;br /&gt;anyone got experience if that is true?&lt;br /&gt;&lt;br /&gt;if this is true, i can just get the RM30 for 2GB and subscribe additional 3GB for the price of RM 3 only&lt;br /&gt;&lt;br /&gt;so total i can get 5GB for RM 33 instead of getting their 5GB package at RM50</description>
            <author>brotan</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Tue, 07 Feb 2017 10:52:16 +0800</pubDate>
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            <title>where should i find credit card exchange rate?</title>
            <link>http://forum.lowyat.net/topic/4171789</link>
            <description>hi all&lt;br /&gt;&lt;br /&gt;for payment of overseas items online, how do i find out the exchange rate?&lt;br /&gt;&lt;br /&gt;is it the bank rate or master/visa rate?</description>
            <author>brotan</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Tue, 10 Jan 2017 23:01:54 +0800</pubDate>
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            <title>where to buy used towel from 2nd hand shops?</title>
            <link>http://forum.lowyat.net/topic/4157584</link>
            <description>hi all&lt;br /&gt;&lt;br /&gt;i need quite a few used towels for my sound absorbing projects&lt;br /&gt;&lt;br /&gt;do you know any shops within klang valley that sell 2nd hand stuff that might have towels?</description>
            <author>brotan</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Sun, 25 Dec 2016 12:58:08 +0800</pubDate>
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            <title>worth it to subscribe to new unifi plan?</title>
            <link>http://forum.lowyat.net/topic/4148201</link>
            <description>&lt;a href='https://www.tm.com.my/speedupgrade/Pages/index.html?utm_source=Google&amp;utm_campaign=Broadband_Improvement_Plan&amp;utm_medium=SEM&amp;utm_content=Brand&amp;gclid=CKDHzfS49dACFdiFaAodHAMKaw' target='_blank'&gt;Unifi upgrade plan&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;there&amp;#39;s a free upgrade from 30mb to 50 mb for RM179 for unifi. worth it?&lt;br /&gt;&lt;br /&gt;also from past experience, do you think it is a marketing gimmick to subscribe before 31st (they will extend the promo)?</description>
            <author>brotan</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Thu, 15 Dec 2016 13:18:42 +0800</pubDate>
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        <item>
            <title>wta LTE connecting to existing router</title>
            <link>http://forum.lowyat.net/topic/4136852</link>
            <description>hi all&lt;br /&gt;&lt;br /&gt;i have an existing router but cannot put sim card&lt;br /&gt;&lt;br /&gt;is there a possibility to attach the sim card to that router with some usb adapter? if yes, what&amp;#39;s the recommendation without reducing the LTE speed?&lt;br /&gt;&lt;br /&gt;tq</description>
            <author>brotan</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Sun, 04 Dec 2016 15:32:23 +0800</pubDate>
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            <title>wta sound proofing room from outside noise</title>
            <link>http://forum.lowyat.net/topic/4087911</link>
            <description>hi&lt;br /&gt;&lt;br /&gt;my master room is near a small road and it can be quite noisy outside&lt;br /&gt;&lt;br /&gt;the wall facing the road has a window (2 frames)&lt;br /&gt;&lt;br /&gt;i want to try sound proof it&lt;br /&gt;&lt;br /&gt;any idea how, what company provide such service and estimation of cost?&lt;br /&gt;&lt;br /&gt;tq</description>
            <author>brotan</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Thu, 20 Oct 2016 14:30:44 +0800</pubDate>
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        <item>
            <title>wta sound proofing room from outside noise</title>
            <link>http://forum.lowyat.net/topic/4087885</link>
            <description>hi&lt;br /&gt;&lt;br /&gt;my master room is near a small road and it can be quite noisy outside&lt;br /&gt;&lt;br /&gt;the wall facing the road has a window (2 frames)&lt;br /&gt;&lt;br /&gt;i want to try sound proof it&lt;br /&gt;&lt;br /&gt;any idea how, what company provide such service and estimation of cost?&lt;br /&gt;&lt;br /&gt;tq</description>
            <author>brotan</author>
            <category>Serious Kopitiam</category>
            <pubDate>Thu, 20 Oct 2016 14:06:58 +0800</pubDate>
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            <title>wta uber or grab cheaper?</title>
            <link>http://forum.lowyat.net/topic/4045298</link>
            <description>Hi all,&lt;br /&gt;&lt;br /&gt;if there are no special promo, in general which is cheaper? uber or grabcar?&lt;br /&gt;&lt;br /&gt;or almost the same</description>
            <author>brotan</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Fri, 02 Sep 2016 15:24:58 +0800</pubDate>
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        <item>
            <title>wta need advice on my daughter education</title>
            <link>http://forum.lowyat.net/topic/3974773</link>
            <description>Hi all,&lt;br /&gt;&lt;br /&gt;my daughter is now form 1&lt;br /&gt;&lt;br /&gt;she is a quiet person and shy to ask teacher question. she is also too stubborn to be taught by my wife&lt;br /&gt;&lt;br /&gt;now i am in dilemma how to help her studies&lt;br /&gt;&lt;br /&gt;- going to tuisyen centre helps a bit cuz she doesn&amp;#39;t want to ask any questions even if she doesn&amp;#39;t know&lt;br /&gt;- my wife wants to teach but she is stubborn to be taught by own family&lt;br /&gt;- thinking of 1 to 1 at my home but will be too expensive i guess&lt;br /&gt;&lt;br /&gt;any other suggestion that i can consider?&lt;br /&gt;&lt;br /&gt;thanks a lot</description>
            <author>brotan</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Tue, 14 Jun 2016 13:47:40 +0800</pubDate>
        </item>
        <item>
            <title>wta achieve ping &amp;lt; 10ms to USA possible?</title>
            <link>http://forum.lowyat.net/topic/3924394</link>
            <description>Hi all&lt;br /&gt;&lt;br /&gt;is it possible to achieve ping &amp;lt; 10ms to USA ?&lt;br /&gt;&lt;br /&gt;if yes, what must i do to achieve that?&lt;br /&gt;&lt;br /&gt;thanks</description>
            <author>brotan</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Sun, 17 Apr 2016 19:24:38 +0800</pubDate>
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        <item>
            <title>Balance Transfer (BT) Plans V4 - Banks Offer List</title>
            <link>http://forum.lowyat.net/topic/3918057</link>
            <description>&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;a href='https://forum.lowyat.net/topic/2275275' target='_blank'&gt;&lt;span style='font-size:12pt;line-height:100%'&gt;Click Here For V2&lt;/span&gt;&lt;/a&gt;&lt;br /&gt;&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;a href='https://forum.lowyat.net/topic/3354596' target='_blank'&gt;&lt;span style='font-size:12pt;line-height:100%'&gt;Click Here For V3&lt;/span&gt;&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style='color:purple'&gt;&lt;span style='font-size:12pt;line-height:100%'&gt;&lt;u&gt;FAQ On BT Topics (Read This Before You Ask Any Questions. If Your Questions Are Not Covered By The FAQ, Pls Ask In Forum)&lt;/u&gt;&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;In the spoiler are some of the most commonly asked questions in the thread. I have compiled them here for easier reference as not to repeat the same question all over &lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('b3f0d2b9bccea0455f600764e94aa18b')&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;b3f0d2b9bccea0455f600764e94aa18b&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;&lt;b&gt;Q &lt;/b&gt;: Is it possible to BT within the same bank? Eg BT from Bank A to Bank A&lt;br /&gt;&lt;span style='color:red'&gt;&lt;b&gt;A &lt;/b&gt;: NO, it is not possible. You can only BT between cc of 2 different banks. Eg BT from Bank A to Bank B&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Q &lt;/b&gt;: Is it possible for Mr. A cc to BT to Mr. B cc ? That means BT between 2 different card holder&lt;br /&gt;&lt;span style='color:red'&gt;&lt;b&gt;A &lt;/b&gt;: NO, it is not possible. You can only BT between 2 cards with same card holder name&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Q &lt;/b&gt;: Is it possible to BT to non cc (eg debit card or saving/current acc)?&lt;br /&gt;&lt;span style='color:red'&gt;&lt;b&gt;A &lt;/b&gt;: NO, it is not possible. You can only BT between 2 credit cards (Note : HLB seems to be offer such service. Pls check with their CS) &lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Q &lt;/b&gt;: What is the maximum amount that I can BT?&lt;br /&gt;&lt;span style='color:red'&gt;&lt;b&gt;A &lt;/b&gt;: Each bank has different policy but general consensus is 80% of your available balance credit. Eg if your credit limit is RM 20k and you still owe the bank RM 15k, then you can maximum BT RM 4k. However, always consult your bank for the actual amount&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Q &lt;/b&gt;: I want to know the best offer provided by banks, especially those with low or 0 interest / fees? Can you provide them?&lt;br /&gt;&lt;span style='color:red'&gt;&lt;b&gt;A &lt;/b&gt;: Pls refer to the spoilers below. We have information on 0% or low interest BT&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Q &lt;/b&gt;: Are your information below on bank offers up to date?&lt;br /&gt;&lt;span style='color:red'&gt;&lt;b&gt;A &lt;/b&gt;: They are always updated with latest info once someone or myself found out the current info is outdated. By default, you can assume they are up to date. If you find it is not, pls leave a comment in to forum and I will try my best to update them asap&lt;/span&gt;&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;&lt;br /&gt;#########&lt;br /&gt;&lt;br /&gt;Listed below are banks current offering of Balance Transfer (BT) program&lt;br /&gt;&lt;br /&gt;As I do this on a non regular basis, so if there is any update on the balance transfer offering or mistake in my post, pls let me know by PM so that I can update / correct it&lt;br /&gt;&lt;br /&gt;Disclaimer : I am not responsible for any financial issues arise from using the information provided. As I cannot list down all the T &amp;amp; C impose by banks, pls make sure you double check with the banks on the BT topics before you make any of your decision&lt;br /&gt;&lt;br /&gt;Thanks&lt;br /&gt;&lt;br /&gt;#########&lt;br /&gt;&lt;br /&gt;&lt;b&gt;&lt;u&gt;Banks Currently Offering &lt;span style='color:red'&gt;0%&lt;/span&gt; Balance Transfer&lt;/u&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('6c4b50d07c14deaa6ebf7adaad9a58fc')&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;6c4b50d07c14deaa6ebf7adaad9a58fc&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;1) Public Bank : 6 mths, Min - 6k per bank, Valid Until : 30/6/2014 (extended until further notice)&lt;br /&gt;2) Aeon Credit Service : 6 mths, Min - 1k per application, Valid Until : NA&lt;br /&gt;&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;&lt;u&gt;Banks Currently Offering &lt;span style='color:red'&gt;&amp;lt;= 3%/yr&lt;/span&gt; Balance Transfer&lt;/u&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('361832d9bee96ecd2580ae353ce07668')&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;361832d9bee96ecd2580ae353ce07668&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;&lt;br /&gt;1) Public Bank : 1 yr, one time 2.5% fee, Min - 1k per bank, Valid Until : 30/6/2012 (extended until further notice)&lt;br /&gt;2) Public Bank : 2 yr, one time 5% fee, Min - 3k per bank, Valid Until : 30/6/2012 (extended until further notice)&lt;br /&gt;3) Affin - 36 mths, 7% fee, 0% interest / yr, Min - RM 3k per bank. Valid until : NA&lt;br /&gt;4) BSN : 12 mths, 0% fee, 0.3% interest/mth w/ 0% last 6 mths, Min - RM 1k per bank,  Valid Until : 30/4/2013 (but BSN say so far always auto extend)&lt;br /&gt;5) BSN : 24 mths, 0% fee, 0.375% interest/mth w/ 0% last 12 mths, Min - RM 1k per bank,  Valid Until : 30/4/2013 (but BSN say so far always auto extend) &lt;br /&gt;6) Hong Leong : Up to you when you want to settle (no end date), 6.99% one time fee, 0% interest, Min - RM 1k per bank, Valid Until : Not sure&lt;br /&gt;7) Alliance : 24 mths, 0% fee, 2% interest/yr, Min - RM 2k per bank, Valid Until : 31/5/2012&lt;br /&gt;8) Affin - 24 mths, 6% fee, 0% interest / yr, Min - RM 2k per bank. Valid until : NA&lt;br /&gt;&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;&lt;u&gt;General Balance Transfer Offering&lt;/u&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;Bank Name : &lt;b&gt;&lt;span style='color:red'&gt;Public Bank&lt;/span&gt;&lt;/b&gt; &lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('b0ff7e90ab773afe50df83330fc2398a')&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;b0ff7e90ab773afe50df83330fc2398a&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;Link : &lt;a href='http://www.pbebank.com/en/en_content/personal/cards/bt.html' target='_blank'&gt;http://www.pbebank.com/en/en_content/personal/cards/bt.html&lt;/a&gt;&lt;br /&gt;Email : &lt;span style='color:blue'&gt;custsvc@publicbank.com.my&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;&lt;u&gt;Balance transfer details&lt;/u&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;Valid Until : 30/6/2012 (extended until further notice)&lt;br /&gt;Early Settlement Penalty : RM 100 per balance transfer&lt;br /&gt;&lt;br /&gt;   : Plan A - 6 mths, 0% fee, 0% interest, Min - RM 6k per bank&lt;br /&gt;   : Plan B - 12 mths, 2.5% fee, 0% interest, Min - RM 1k per bank&lt;br /&gt;   : Plan C - 24 mths, 5% fee, 0% interest, Min - RM 3k per bank&lt;br /&gt;   : Plan D - 36 mths, 7% fee, 0% interest, Min - 6k per bank&lt;br /&gt;   : Plan E - 6 mths, 1% fee, 0% interest, Min - 500 per bank&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;&lt;br /&gt;Bank Name : &lt;b&gt;&lt;span style='color:red'&gt;Maybank&lt;/span&gt;&lt;/b&gt; &lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('29f829528157ea1d381526464eef41cc')&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;29f829528157ea1d381526464eef41cc&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;Link : &lt;a href='http://www.maybank2u.com.my/mbb_info/m2u/public/personalDetail04.do?channelId=CRD-Cards&amp;cntTypeId=0&amp;cntKey=CRD01.16.03&amp;programId=CRD01.16-CCFeatures&amp;chCatId=/mbb/Personal/CRD-Cards' target='_blank'&gt;http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards&lt;/a&gt;&lt;br /&gt;Email : &lt;span style='color:blue'&gt;mbbcardservices@maybank.com.my&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;&lt;u&gt;Balance transfer details&lt;/u&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;Valid Until : NA&lt;br /&gt;Early Settlement Penalty : RM 0&lt;br /&gt;&lt;br /&gt;   : Plan A - 6 mths, 0% fee, 0.5% interest/mth, Min - RM 1k per application&lt;br /&gt;   : Plan B - 9 mths, 0% fee, 0.75% interest/mth, Min - RM 1k per application&lt;br /&gt;   : Plan C - 24 mths, 0% fee, 0.375% interest/mth, Min - RM 2k per application&lt;br /&gt;   : Plan D - 36 mths, 0% fee, 0.413% interest/mth, Min - RM 2k per application&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;Bank Name : &lt;b&gt;&lt;span style='color:red'&gt;RHB&lt;/span&gt;&lt;/b&gt; &lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('e5241c6285568e84fa9d92465eee9977')&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;e5241c6285568e84fa9d92465eee9977&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;Link : &lt;a href='http://www.rhb.com.my/cards/benefits/smart_move/main.html' target='_blank'&gt;http://www.rhb.com.my/cards/benefits/smart_move/main.html&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;&lt;u&gt;Balance transfer details&lt;/u&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;Valid Until : NA&lt;br /&gt;Early Settlement Penalty : No but up front interest paid will not be refunded&lt;br /&gt;&lt;br /&gt;   : Plan A - 12 mths, 0% fee, 4% interest one time, Min - RM 1k per bank&lt;br /&gt;   : Plan B - 18 mths, 0% fee, 7% interest one time, Min - RM 1k per bank&lt;br /&gt;   : Plan C - 24 mths, 0% fee, 9% interest one time, Min - RM 1k per bank&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;Bank Name : &lt;b&gt;&lt;span style='color:red'&gt;RHB Islamic&lt;/span&gt;&lt;/b&gt; &lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('46e060a399ae755076d7d479149b8278')&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;46e060a399ae755076d7d479149b8278&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;Link : &lt;a href='http://www.rhb.com.my/islamic_banking/cards/cc_main.html' target='_blank'&gt;http://www.rhb.com.my/islamic_banking/cards/cc_main.html&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;&lt;u&gt;Balance transfer details&lt;/u&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;Valid Until : 15/1/2014&lt;br /&gt;Early Settlement Penalty : No but up front interest paid will not be refunded&lt;br /&gt;&lt;br /&gt;   : Plan A - 6 mths, 0% fee, 0% interest one time, Min - RM 1k per bank&lt;br /&gt;   : Plan B - 9 mths, 1% fee, 0% interest one time, Min - RM 1k per bank&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;Bank Name : &lt;b&gt;&lt;span style='color:red'&gt;Aeon Credit Service&lt;/span&gt;&lt;/b&gt; &lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('297f066128f2789aaba25fb2803d651e')&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;297f066128f2789aaba25fb2803d651e&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;Link : &lt;a href='http://www.aeonmalaysia.com.my/acs/af/kona/home/channel.do?channelId=-8845&amp;selectedChannels=-8814&amp;rootChannelId=-8814' target='_blank'&gt;http://www.aeonmalaysia.com.my/acs/af/kona...ChannelId=-8814&lt;/a&gt;&lt;br /&gt;Email : &lt;span style='color:blue'&gt;customer.service@aeonmalaysia.com.my&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;&lt;u&gt;Balance transfer details&lt;/u&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;Valid Until : NA&lt;br /&gt;Early Settlement Penalty : RM 0&lt;br /&gt;&lt;br /&gt;   : Plan A - 6 mths, 0% fee, 0% interest, Min - RM 1k per application&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;Bank Name : &lt;b&gt;&lt;span style='color:red'&gt;AmBank&lt;/span&gt;&lt;/b&gt; &lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('a6a4ec16ec47964e2fca184ad66ade3f')&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;a6a4ec16ec47964e2fca184ad66ade3f&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;Link : &lt;a href='http://www.ambankgroup.com/en/Personal/Cards/CreditCards/Pages/default.aspx' target='_blank'&gt;http://www.ambankgroup.com/en/Personal/Car...es/default.aspx&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;&lt;u&gt;Balance transfer details&lt;/u&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;Valid Until : NA&lt;br /&gt;Early Settlement Penalty : RM 100 per balance transfer&lt;br /&gt;&lt;br /&gt;   : Plan A - 6 mths, 0% fee, 4.99% interest/yr, Min - RM 5k per transaction&lt;br /&gt;   : Plan B - 12 mths, 0% fee, 8.99% interest/yr, Min - RM 5k per transaction&lt;br /&gt;   : Plan C - 24 mths, 0% fee, 8.99% interest/yr, Min - RM 5k per transaction&lt;br /&gt;&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;Bank Name : &lt;b&gt;&lt;span style='color:red'&gt;Al Rajhi Bank&lt;/span&gt;&lt;/b&gt; &lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('b925ebc85de85414f1ec8b545cc19602')&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;b925ebc85de85414f1ec8b545cc19602&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;Link : &lt;a href='http://www.alrajhibank.com.my/personal_financing_personal_financing-i_balance_transfer.shtml' target='_blank'&gt;http://www.alrajhibank.com.my/personal_fin..._transfer.shtml&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;&lt;u&gt;Balance transfer details&lt;/u&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;Valid Until : NA&lt;br /&gt;Early Settlement Penalty : Yes but no formula. To be decided by bank (like car loan)&lt;br /&gt;&lt;br /&gt;   : Plan A - 2 yrs - 5yrs, 0% fee, 7.99% interest/yr, Min - RM 2k per application&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;Bank Name : &lt;b&gt;&lt;span style='color:red'&gt;BSN&lt;/span&gt;&lt;/b&gt; &lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('7dbd633eee3a05e03e05f8fcb2809683')&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;7dbd633eee3a05e03e05f8fcb2809683&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;&lt;a href='http://www.mybsn.com.my/tab_pb_transferplan.html' target='_blank'&gt;http://www.mybsn.com.my/tab_pb_transferplan.html&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;&lt;u&gt;Balance transfer details&lt;/u&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;Valid Until : 30/4/2013 (but BSN say so far always auto extend)&lt;br /&gt;Early Settlement Penalty : RM 100&lt;br /&gt;&lt;br /&gt;   : Plan A - 3 mths, 0% fee, 0.3% interest/mth, Min - RM 500 per bank&lt;br /&gt;   : Plan B - 6 mths, 0% fee, 0.3% interest, Min - RM 1k per bank&lt;br /&gt;   : Plan C - 9 mths, 0% fee, 0.3% interest/mth, Min - RM 1k per bank&lt;br /&gt;   : Plan D - 12 mths, 0% fee, 0.3% interest/mth w/ 0% last 6 mths, Min - RM 1k per bank&lt;br /&gt;   : Plan E - 24 mths, 0% fee, 0.375% interest/mth w/ 0% last 12 mths, Min - RM 1k per bank&lt;br /&gt;   : Plan F - 36 mths, 0% fee, 0.375% interest/mth, Min - RM 2k per bank&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;Bank Name : &lt;b&gt;&lt;span style='color:red'&gt;CIMB&lt;/span&gt;&lt;/b&gt; &lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('dd5767e2fdc39c54da46a61cbbdd9e6b')&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;dd5767e2fdc39c54da46a61cbbdd9e6b&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt; Not Available &lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;Bank Name : &lt;b&gt;&lt;span style='color:red'&gt;OCBC&lt;/span&gt;&lt;/b&gt; &lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('a6d6e39328fa2ec66dafe72d1d527085')&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;a6d6e39328fa2ec66dafe72d1d527085&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;&lt;b&gt;&lt;u&gt;Balance transfer details&lt;/u&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;Valid Until : NA&lt;br /&gt;Early Settlement Penalty : NA&lt;br /&gt;&lt;br /&gt;   : Plan A - 6 mths, 2% fee, 0% interest, Min - RM 1k per bank&lt;br /&gt;   : Plan B - 12 mths, 4% fee, 0% interest, Min - RM 1k per bank&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;&lt;br /&gt;Bank Name : &lt;b&gt;&lt;span style='color:red'&gt;Standard Charted&lt;/span&gt;&lt;/b&gt; &lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('99c122bb99fa4dd2472a3cebb566ffc8')&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;99c122bb99fa4dd2472a3cebb566ffc8&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;Link : &lt;a href='http://www.standardchartered.com.my/personal-banking/cards/features/advantages/en/' target='_blank'&gt;http://www.standardchartered.com.my/person.../advantages/en/&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;&lt;u&gt;Balance transfer details&lt;/u&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;Valid Until : NA&lt;br /&gt;Early Settlement Penalty : NA&lt;br /&gt;&lt;br /&gt;   : Plan A - 12 mths, 0% fee, 5.99% interest/yr, Min - RM 1k per transaction&lt;br /&gt;   : Plan B - 18 mths, 0% fee, 5.99% interest/yr, Min - RM 1k per transaction&lt;br /&gt;   : Plan C - 24 mths, 0% fee, 5.99% interest/yr, Min - RM 1k per transaction&lt;br /&gt;   : Plan D - 36 mths, 0% fee, 5.99% interest/yr, Min - RM 1k per transaction&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;Bank Name : &lt;b&gt;&lt;span style='color:red'&gt;MBF&lt;/span&gt;&lt;/b&gt; &lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('9c1d674bbe2d249cdb065f8ce2de9cb0')&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;9c1d674bbe2d249cdb065f8ce2de9cb0&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;Link : &lt;a href='http://www1.mbfcards.com/promotion-powerdelicpair.html' target='_blank'&gt;http://www1.mbfcards.com/promotion-powerdelicpair.html&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;&lt;u&gt;Balance transfer details&lt;/u&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;Valid Until : 31/12/2012&lt;br /&gt;Early Settlement Penalty : Pls call bank to find out&lt;br /&gt;&lt;br /&gt;   : Plan A - Total accumulative BT for 1st 3k (can be few months BT accumulation) - 0%, after 3k  5.99% 1 time fee per BT. &lt;br /&gt;&lt;br /&gt;Eg. 1st mth BT - RM 1k, 2nd mth BT - RM 2k, 3rd mth BT - RM 1k, 4th mth BT - RM 1k&lt;br /&gt;Fee charge&lt;br /&gt;1) 1st mth - 0%&lt;br /&gt;2) 2nd mth - 0%&lt;br /&gt;3) 3rd mth - 5.99%&lt;br /&gt;4) 4th mth - 5.99%&lt;br /&gt;&lt;br /&gt;Rule : Must spend RM 300 per month or else normal BT interest rate will be charged for each month not meeting the target&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;Bank Name : &lt;b&gt;&lt;span style='color:red'&gt;Citibank&lt;/span&gt;&lt;/b&gt; &lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('3fbe67dacaac50af097eae076b0e1bea')&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;3fbe67dacaac50af097eae076b0e1bea&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;Link : &lt;a href='http://www.citibank.com.my/english/existing-cardmembers/cardmembers-balance-transfer-installment.htm' target='_blank'&gt;http://www.citibank.com.my/english/existin...installment.htm&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;&lt;u&gt;Balance transfer details&lt;/u&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;Valid Until : NA&lt;br /&gt;Early Settlement Penalty : RM 0&lt;br /&gt;&lt;br /&gt;   : Plan A - 0% BT available but only for existing customer. Not disclosed on website or through phone. Call bank to find out&lt;br /&gt;&lt;br /&gt;   : Plan B - 6 mths, 0% fee, 5.81% interest/yr, Min - RM 1k per bank&lt;br /&gt;   : Plan C - 9 mths, 0% fee, 5.56% interest/yr, Min - RM 1k per bank&lt;br /&gt;   : Plan D - 12 mths, 0% fee, 5.44% interest/yr, Min - RM 1k per bank&lt;br /&gt;   : Plan E - 18 mths, 0% fee, 5.35% interest/yr, Min - RM 1k per bank&lt;br /&gt;   : Plan F - 24 mths, 0% fee, 5.32% interest/yr, Min - RM 1k per bank   &lt;br /&gt;   : Plan G - 30 mths, 0% fee, 5.32% interest/yr, Min - RM 1k per bank   &lt;br /&gt;   : Plan H - 36 mths, 0% fee, 5.33% interest/yr, Min - RM 1k per bank&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;Bank Name : &lt;b&gt;&lt;span style='color:red'&gt;UOB&lt;/span&gt;&lt;/b&gt; &lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('8bb2dc0246168a16a7b729008e549e44')&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;8bb2dc0246168a16a7b729008e549e44&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;Link : &lt;a href='http://www1.uob.com.my/personal/promotions/promotion_index.html' target='_blank'&gt;http://www1.uob.com.my/personal/promotions...tion_index.html&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;&lt;u&gt;Balance transfer details&lt;/u&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;Valid Until : NA&lt;br /&gt;Early Settlement Penalty : RM 100 per balance transfer&lt;br /&gt;&lt;br /&gt;   : Plan A - 6 mths, 3.3% fee, 0% interest, Min - RM 1k per bank&lt;br /&gt;   : Plan B - 12 mths, 6% fee, 0% interest, Min - RM 1k per bank&lt;br /&gt;   : Plan C - 6 mths, 0% fee, 0.499% interest/mth, Min - RM 1k per bank&lt;br /&gt;   : Plan D - 12 mths, 2% fee, 0.75% interest/mth, Min - RM 1k per bank&lt;br /&gt;   : Plan E - 18 mths, 5% fee, 1% interest/mth, Min - RM 1k per bank&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;Bank Name : &lt;b&gt;&lt;span style='color:red'&gt;Hong Leong&lt;/span&gt;&lt;/b&gt; &lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('dbee2bd632f8d7601c2eead5d5df5db7')&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;dbee2bd632f8d7601c2eead5d5df5db7&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;Link : &lt;a href='http://www.hlb.com.my/pfs/cc/ccbt.jsp?flag=ccbt' target='_blank'&gt;http://www.hlb.com.my/pfs/cc/ccbt.jsp?flag=ccbt&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;&lt;u&gt;Balance transfer details&lt;/u&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;Valid Until : Not sure&lt;br /&gt;Early Settlement Penalty : RM 0&lt;br /&gt;&lt;br /&gt;   : Plan A - Up to you when you want to settle (no end date), 6.99% fee, 0% interest, Min - RM 1k per bank&lt;br /&gt;&lt;i&gt;&lt;span style='color:red'&gt;Note : There seems to be contradicting T&amp;amp;C stated in the official document vs what is being described by the bank CS. Pls make sure you do your homework before you commit yourself&lt;/span&gt;&lt;/i&gt;&lt;br /&gt;&lt;br /&gt;Valid Until : NA&lt;br /&gt;Early Settlement Penalty : RM 100&lt;br /&gt;&lt;br /&gt;   : Plan B - 3 mths, 0% fee, 0.4% interest/mth, Min - RM 1k per bank&lt;br /&gt;   : Plan C - 6 mths, 0% fee, 0.5% interest/mth, Min - RM 1k per bank&lt;br /&gt;   : Plan D - 9 mths, 0% fee, 0.75% interest/mth, Min - RM 1k per bank&lt;br /&gt;   : Plan E - 12 mths, 0% fee, 1% interest/mth, Min - RM 1k per bank&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;Bank Name : &lt;b&gt;&lt;span style='color:red'&gt;Affin&lt;/span&gt;&lt;/b&gt; &lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('31800930d19d3da2a4a83489ab54df94')&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;31800930d19d3da2a4a83489ab54df94&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;Link : [url=http://www.affinbank.com.my/news/2013-abb-btip.htm[/url]&lt;br /&gt;&lt;br /&gt;&lt;b&gt;&lt;u&gt;Balance transfer details&lt;/u&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;Valid Until : NA&lt;br /&gt;Early Settlement Penalty : RM 100 per balance transfer&lt;br /&gt;&lt;br /&gt;   : Plan A - 6 mths, 2% fee, 0% interest, Min - RM 1k per bank&lt;br /&gt;   : Plan B - 12 mths, 4% fee, 0% interest, Min - RM 1k per bank&lt;br /&gt;   : Plan C - 18 mths, 5% fee, 0% interest, Min - RM 2k per bank&lt;br /&gt;   : Plan D - 24 mths, 6% fee, 0% interest, Min - RM 2k per bank&lt;br /&gt;   : Plan E - 36 mths, 7% fee, 0% interest, Min - RM 3k per bank&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;Bank Name : &lt;b&gt;&lt;span style='color:red'&gt;Alliance Bank&lt;/span&gt;&lt;/b&gt; &lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('cd1b58b6b43eead5a043760adae72e62')&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;cd1b58b6b43eead5a043760adae72e62&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;Link : &lt;a href='http://www.alliancebank.com.my/ccard_balancetransferprogramme_more.html#BTFLE6MP' target='_blank'&gt;http://www.alliancebank.com.my/ccard_balan...e.html#BTFLE6MP&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;&lt;u&gt;Balance transfer details&lt;/u&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;Valid Until : NA&lt;br /&gt;Early Settlement Penalty : RM 0 (but the remaining interest you still have to pay)&lt;br /&gt;&lt;br /&gt;   : Plan A - 6 mths, 0% fee, 5.04% interest/yr, Min - RM 2k per bank&lt;br /&gt;&lt;br /&gt;Valid Until : NA&lt;br /&gt;Early Settlement Penalty : 5% of BT application amount + the remaining interest you still have to pay&lt;br /&gt;&lt;br /&gt;   : Plan B - 12 mths, 0% fee, 6% interest/yr, Min - RM 1k per bank&lt;br /&gt;   : Plan C - 18 mths, 0% fee, 6% interest/yr, Min - RM 2k per bank&lt;br /&gt;   : Plan D - 24 mths, 0% fee, 6% interest/yr, Min - RM 2k per bank[/spoiler]&lt;br /&gt;Bank Name : &lt;b&gt;&lt;span style='color:red'&gt;Bank Islam&lt;/span&gt;&lt;/b&gt; &lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('8a51cfe6f5bb1aa5af37c7bf8fa0beaa')&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;8a51cfe6f5bb1aa5af37c7bf8fa0beaa&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;Link : &lt;a href='http://www.bankislam.com.my/Documents/BALANCE_TRANSFER_FORM.pdf' target='_blank'&gt;http://www.bankislam.com.my/Documents/BALA...ANSFER_FORM.pdf&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;&lt;u&gt;Balance transfer details&lt;/u&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;Valid Until : NA&lt;br /&gt;Early Settlement Penalty : NA&lt;br /&gt;&lt;br /&gt;   : Plan A - Min 12 mths, 0% fee, 1.5% interest / month, Min - RM 1k per bank</description>
            <author>brotan</author>
            <category>Credit Cards, Debit Cards, Prepaid Cards and Loyalty Cards</category>
            <pubDate>Sat, 09 Apr 2016 18:25:36 +0800</pubDate>
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        <item>
            <title>wta aircond non inverter : R22 vs R410 gas</title>
            <link>http://forum.lowyat.net/topic/3884658</link>
            <description>Hi all,&lt;br /&gt;&lt;br /&gt;i have contradicting information on the electricity saving using R410 vs R22 . both are non inverter&lt;br /&gt;&lt;br /&gt;1 aircond guy says R410 non inverter can save about 50% electricity bill compare to R22&lt;br /&gt;&lt;br /&gt;another guy says not much difference&lt;br /&gt;&lt;br /&gt;anyone has good knowledge on this topic ?&lt;br /&gt;&lt;br /&gt;</description>
            <author>brotan</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Fri, 04 Mar 2016 10:34:20 +0800</pubDate>
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        <item>
            <title>wta comfortable and long lasting school bag</title>
            <link>http://forum.lowyat.net/topic/3831064</link>
            <description>hi all,&lt;br /&gt;&lt;br /&gt;any recommendation for school bag that are comfortable to carry (not roller) and can last quite long?&lt;br /&gt;&lt;br /&gt;budget less than rm 100 if possible&lt;br /&gt;&lt;br /&gt;thanks</description>
            <author>brotan</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Sat, 09 Jan 2016 13:41:01 +0800</pubDate>
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        <item>
            <title>Wta income tax deduction for ptptn sspn</title>
            <link>http://forum.lowyat.net/topic/3812740</link>
            <description>Hi all&lt;br /&gt;&lt;br /&gt;Wanna ask. I got 2 contradicting statement regarding this&lt;br /&gt;&lt;br /&gt;Scenario. &lt;br /&gt;&lt;br /&gt;Year 1 : deposit rm6k to sspn and claim tax relief for rm6k&lt;br /&gt;Year 2 : withdraw 6k in jan&lt;br /&gt;&lt;br /&gt;Question. To get another 6k tax relief for year 2, must I deposit 6k or 12k? &lt;br /&gt;&lt;br /&gt;I get answers supporting both. So I am confused &lt;br /&gt;&lt;br /&gt;Thx</description>
            <author>brotan</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Tue, 22 Dec 2015 17:09:14 +0800</pubDate>
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        <item>
            <title>wta SMK Bandar Utama 3 or BU3 school</title>
            <link>http://forum.lowyat.net/topic/3798021</link>
            <description>Hi all,&lt;br /&gt;&lt;br /&gt;anyone studying there or have children studying there?&lt;br /&gt;&lt;br /&gt;anything good or bad that you can describe about the school? teachers, classes, homework, etc ?&lt;br /&gt;&lt;br /&gt;thanks in advance</description>
            <author>brotan</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Mon, 07 Dec 2015 12:26:24 +0800</pubDate>
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        <item>
            <title>wts Original Samsung Fast Charging Adapter + Cable</title>
            <link>http://forum.lowyat.net/topic/3784985</link>
            <description>&lt;a href='http://www.vendio.com/stores/brotan' target='_blank'&gt;&lt;img src='http://i1359.photobucket.com/albums/q787/brotan_store/Brotan_Store_zps5f91330e.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;[attachmentid=5362112][attachmentid=5362114]&lt;br /&gt;&lt;br /&gt;Hi all,&lt;br /&gt;&lt;br /&gt;This is an &lt;b&gt;&lt;u&gt;Original and Genuine&lt;/u&gt;&lt;/b&gt; Samsung Adaptive Fast Charging Charger &lt;b&gt;&lt;u&gt;UK 3 pin&lt;/u&gt;&lt;/b&gt; plug wall charger or travel adapter. Comes with &lt;b&gt;&lt;u&gt;Original &lt;/u&gt;&lt;/b&gt;data cable&lt;br /&gt;&lt;br /&gt;Suitable for S6 S6 Edge Note4 Note5 Note 4 5&lt;br /&gt;&lt;br /&gt;Can also be used for other USB powered device as well&lt;br /&gt;&lt;br /&gt;Note : This is NOT SME unit&lt;br /&gt;&lt;br /&gt;Note : If you want to buy the ORIGINAL &lt;b&gt;&lt;u&gt;Cables ONLY&lt;/u&gt;&lt;/b&gt;, pls PM me&lt;br /&gt;&lt;br /&gt;COD &lt;b&gt;(NO extra charge)&lt;/b&gt; : SS3 Shell, Taman Bahagia LRT, Kelana Jaya Post office&lt;br /&gt;&lt;br /&gt;Price : &lt;b&gt;&lt;span style='color:red'&gt;&lt;span style='font-size:14pt;line-height:100%'&gt;RM 59 (Charger + Cable)&lt;/span&gt;&lt;/span&gt;&lt;/b&gt;. Warranty : 6 months (Charger Only)</description>
            <author>brotan</author>
            <category>Mobile Phones &amp;amp; Tablets Garage Sales</category>
            <pubDate>Tue, 24 Nov 2015 11:00:02 +0800</pubDate>
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        <item>
            <title>wta anyone got use this kind of wardrobe ?</title>
            <link>http://forum.lowyat.net/topic/3755317</link>
            <description>&lt;img src='http://i.imgur.com/aAS6HV7.png' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;kinda big but not sure if strong and can last over time or not&lt;br /&gt;&lt;br /&gt;any users here can give feedback?</description>
            <author>brotan</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Sun, 25 Oct 2015 19:41:39 +0800</pubDate>
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        <item>
            <title>wta rental rate differences between PF and FF, Par</title>
            <link>http://forum.lowyat.net/topic/3750927</link>
            <description>Hi all,&lt;br /&gt;&lt;br /&gt;For a normal condo (not those high end) about 1000 sf, what is the expected difference in rental if you upgrade your unit from partial to fully furnished?&lt;br /&gt;&lt;br /&gt;For fully furnish, add below items&lt;br /&gt;&lt;br /&gt;1. TV&lt;br /&gt;2. TV Cabinet&lt;br /&gt;3. Dining Table set&lt;br /&gt;4. Fridge&lt;br /&gt;5. Washing Machine&lt;br /&gt;6. Sofa&lt;br /&gt;7. Bed frame (1x queen, 2x single)&lt;br /&gt;&lt;br /&gt;###&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Note : i already have for PF water heater, 2x aircond, kitchen cabinet&lt;br /&gt;&lt;br /&gt;thanks</description>
            <author>brotan</author>
            <category>Property Talk</category>
            <pubDate>Wed, 21 Oct 2015 13:52:16 +0800</pubDate>
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