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        <title>Lowyat.NET: Latest topics by skimsiswazah</title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Sun, 12 Jul 2026 20:41:06 +0800</lastBuildDate>
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            <title>Bank Negara umum syarat baharu miliki kad kredit</title>
            <link>http://forum.lowyat.net/topic/1797001</link>
            <description>&lt;!--emo&amp;:clap:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/rclxms.gif' border='0' style='vertical-align:middle' alt='rclxms.gif' /&gt;&lt;!--endemo--&gt; Bank Negara umum syarat baharu miliki kad kredit&lt;br /&gt; &lt;!--emo&amp;:clap:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/rclxms.gif' border='0' style='vertical-align:middle' alt='rclxms.gif' /&gt;&lt;!--endemo--&gt; 18/03/2011 2:42pm&lt;br /&gt;&lt;br /&gt;KUALA LUMPUR 18 Mac – Bank Negara Malaysia memperkenalkan syarat kelayakan baru untuk mendapatkan kad kredit berkuatkuasa serta merta, pada hari ini.&lt;br /&gt;&lt;br /&gt;Antara syarat-syarat baru adalah, setiap pemegang kad perlu mempunyai pendapatan sekurang-kurangnya RM24,000 setahun.&lt;br /&gt;&lt;br /&gt;Pemegang kad hanya boleh memiliki kad kredit daripada dua pengeluar dua kad sahaja.&lt;br /&gt;&lt;br /&gt;Had maksimum kredit yang diberikan kepada pemegang kad tidak boleh melebihi dua kali ganda pendapatan bulanan pemegang kad bagi setiap pengeluar. – Utusan</description>
            <author>skimsiswazah</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Fri, 18 Mar 2011 15:07:04 +0800</pubDate>
        </item>
        <item>
            <title>School holiday</title>
            <link>http://forum.lowyat.net/topic/1794000</link>
            <description>&lt;!--emo&amp;:hmm:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/hmm.gif' border='0' style='vertical-align:middle' alt='hmm.gif' /&gt;&lt;!--endemo--&gt; but when they came back they say they are resting because they just came back from holiday.</description>
            <author>skimsiswazah</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Wed, 16 Mar 2011 13:44:15 +0800</pubDate>
        </item>
        <item>
            <title>Kenapa tunggu 2012 haram botol susu polikarbonat</title>
            <link>http://forum.lowyat.net/topic/1792417</link>
            <description>Keputusan ini diambil sebagai langkah berjaga-jaga kerana sehingga kini tiada bukti saintifik menunjukkan botol susu polikarbonat yang mengandungi BPA selamat untuk golongan berisiko tinggi khususnya bayi dan kanak-kanak,” katanya pada sidang media di sini, semalam. &lt;!--emo&amp;:hmm:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/hmm.gif' border='0' style='vertical-align:middle' alt='hmm.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;&lt;br /&gt;but it already scares people &lt;!--emo&amp;:angry:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/mad.gif' border='0' style='vertical-align:middle' alt='mad.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>skimsiswazah</author>
            <category>Pregnancy &amp;amp; Parenting</category>
            <pubDate>Tue, 15 Mar 2011 11:47:43 +0800</pubDate>
        </item>
        <item>
            <title>I normally hangout at Facebook</title>
            <link>http://forum.lowyat.net/topic/1778112</link>
            <description>is cool and more interesting.   &lt;!--emo&amp;:thumbs:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/thumbup.gif' border='0' style='vertical-align:middle' alt='thumbup.gif' /&gt;&lt;!--endemo--&gt;  Therefore, i will hangout here more to tickle and be tickled as the mind needs lots of tickling to enjoy living.  &lt;!--emo&amp;:nod:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/nod.gif' border='0' style='vertical-align:middle' alt='nod.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>skimsiswazah</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Fri, 04 Mar 2011 15:57:07 +0800</pubDate>
        </item>
        <item>
            <title>Why do we swear when something unwanted happened</title>
            <link>http://forum.lowyat.net/topic/1777796</link>
            <description>Swearing, cursing, crying, self-pity that is our normal reaction. Why don&amp;#39;t we take a breather and look at the bright side of it and be thankful that it happened. &lt;!--emo&amp;:angry:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/mad.gif' border='0' style='vertical-align:middle' alt='mad.gif' /&gt;&lt;!--endemo--&gt;  &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;!--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;</description>
            <author>skimsiswazah</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Fri, 04 Mar 2011 12:06:54 +0800</pubDate>
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