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        <title>Lowyat.NET: Latest topics by sadukarzz</title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Wed, 15 Apr 2026 22:39:41 +0800</lastBuildDate>
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            <title>[UPDATED] Malaysia Airlines profiting dy but ...</title>
            <link>http://forum.lowyat.net/topic/5479104</link>
            <description>Malaysia Airlines as &amp;quot;National flag carrier&amp;quot; really performing really poorly even though they are now &amp;quot;profiting&amp;quot;.&lt;br /&gt;&lt;br /&gt;On time performance, bad.&lt;br /&gt;Flight cancellations, bad.&lt;br /&gt;Fleet maintenance, bad.&lt;br /&gt;Staff resignation, bad.&lt;br /&gt;&lt;br /&gt;MD/board now serve shareholder or serve the airline?&lt;br /&gt;&lt;br /&gt;Many cancellation and abrupt rescheduling without proper solution provided, TS also kena. Quick look into their FB, although say cancellation due to flight reduction, but the manner that is being handled is really poor. Many already kena but wait for hours no solution.&lt;br /&gt;&lt;br /&gt;Their CS hotline all meletup or even cannot be dialed. &lt;br /&gt;&lt;br /&gt;Somemore since Jan till now 63 MAB engineering staff resigned, got some posts out there indicate issues with staffs and planes. Their planes still safe or not? So many issues as highlighted in other tered.&lt;br /&gt;&lt;br /&gt;&lt;a href='https://www.nst.com.my/news/nation/2024/08/1097823/malaysia-airlines-hit-staff-resignations-causing-flight-disruptions' target='_blank'&gt;63 Engineering staff resign&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='https://forum.lowyat.net/index.php?act=ST&amp;f=23&amp;t=5478277' target='_blank'&gt;Another tered about MAS&amp;#39;s poor performance&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;No one question their status as flag carrier? Really embarrassing leh the downfall from Asia&amp;#39;s one of the best to one of the poor performing flag carriers.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;[UPDATED] now kena reduce AOC validity and audit?? Jeng jeng jeng&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='https://www.lowyat.net/2024/330805/malaysia-airlines-aoc-validity-reduced/' target='_blank'&gt;sos cili&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;so now what worms we will find in the can?&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Additionally, Loke revealed that CAAM conducted a surprise investigation of Malaysia Airlines and its subsidiary, MAB Engineering Services (Mabes), which handles aircraft maintenance. The investigation, carried out from 24 to 28 June, uncovered significant problems, including mechanical component issues and a shortage of skilled manpower necessary for maintaining the airline’s aircraft.&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;WTF? Significant problems like MECHANICAL COMPONENT ISSUES?? dont play play leh its a freaking plane</description>
            <author>sadukarzz</author>
            <category>Kopitiam</category>
            <pubDate>Thu, 29 Aug 2024 11:09:24 +0800</pubDate>
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            <title>Meow meow meow FC VS meow meow meow</title>
            <link>http://forum.lowyat.net/topic/5466031</link>
            <description>Interest not found 404 close tered</description>
            <author>sadukarzz</author>
            <category>Kopitiam</category>
            <pubDate>Fri, 28 Jun 2024 09:50:05 +0800</pubDate>
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            <title>Langkah Muar pakai jogging</title>
            <link>http://forum.lowyat.net/topic/5465874</link>
            <description>&lt;a href='https://www.thestar.com.my/news/nation/2024/06/27/syed-saddiq-to-run-from-muar-to-parliament-over-opposition-funding-disparity' target='_blank'&gt;need to pay toll or not ah&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;PETALING JAYA: Muar MP Syed Saddiq Syed Abdul Rahman plans to run from Muar in Johor to Parliament in protest over the lack of funding for Opposition parliamentarians.&lt;br /&gt;&lt;br /&gt;He intends to run 200km to raise funds under his &amp;quot;Langkah Muar&amp;quot; initiative, aimed at raising funds for his constituency&amp;#39;s community service centres.&lt;br /&gt;&lt;br /&gt;So will do in 1 day ke? 1 week ke?&lt;br /&gt;&lt;br /&gt;Added Preview&lt;br /&gt;&lt;br /&gt;&lt;a href='https://pictr.com/image/xBwtDr' target='_blank'&gt;&lt;img src='https://pictr.com/images/2024/06/27/xBwtDr.md.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;Fastest according to Google is 43h, maybe run 33h la right?</description>
            <author>sadukarzz</author>
            <category>Kopitiam</category>
            <pubDate>Thu, 27 Jun 2024 15:06:51 +0800</pubDate>
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            <title>Topkek Pan Borneo Bridge?</title>
            <link>http://forum.lowyat.net/topic/5448686</link>
            <description>[YOUTUBE]bnMiKuxpG7U[/YOUTUBE]&lt;br /&gt;&lt;br /&gt;Topkek where this?&lt;br /&gt;&lt;br /&gt;Siapa engineer / kontraktor dia?&lt;br /&gt;&lt;br /&gt;Topkek quality work&lt;br /&gt;&lt;br /&gt;No news no anything one ka?</description>
            <author>sadukarzz</author>
            <category>Kopitiam</category>
            <pubDate>Sat, 30 Mar 2024 13:39:36 +0800</pubDate>
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            <title>Loke sir saved RM200,000 per launch</title>
            <link>http://forum.lowyat.net/topic/5432488</link>
            <description>Loke sir good saving, getting rid of the unnecessary spending for launches&lt;br /&gt;&lt;br /&gt;Tukar helmet wor not bad, free?&lt;br /&gt;&lt;br /&gt;P/S: Do take note enforcement still jalan though inb4 no celebration no ceremony so dunno got enforce traffic law&lt;br /&gt;&lt;br /&gt;&lt;a href='https://www.thestar.com.my/news/nation/2024/01/12/loke-no-more-official-launch-of-road-safety-campaign' target='_blank'&gt;Loke sir continues saving streak&lt;/a&gt;</description>
            <author>sadukarzz</author>
            <category>Kopitiam</category>
            <pubDate>Fri, 12 Jan 2024 14:21:15 +0800</pubDate>
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            <title>Reminisce jap - Nice Edit though</title>
            <link>http://forum.lowyat.net/topic/5368980</link>
            <description>[YOUTUBE]eXzazZAxloQ[/YOUTUBE]&lt;br /&gt;&lt;br /&gt;audio on (surround best), was a nice edit&lt;br /&gt;&lt;br /&gt;come layan layan&lt;br /&gt;&lt;br /&gt;hggngghhh uncle khong hear liao also turn on&lt;br /&gt;&lt;br /&gt;inb4 also can drift with kapcai &lt;br /&gt;inb4 kl drift also got</description>
            <author>sadukarzz</author>
            <category>Kopitiam</category>
            <pubDate>Fri, 31 Mar 2023 22:40:24 +0800</pubDate>
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            <title>Career Recruitment from HK</title>
            <link>http://forum.lowyat.net/topic/5318828</link>
            <description>Hey guys, I&amp;#39;ve never encountered this before so I came here to see if anyone has any experience in this.&lt;br /&gt;&lt;br /&gt;So I have been approached by a recruiter from Hong Kong that claims that they are looking for candidates to work for a company that was Metaverse based. The recruiter contacted me via LinkedIn.&lt;br /&gt;&lt;br /&gt;The role offered to me was either Manager / Assistant Manager of a department.&lt;br /&gt;&lt;br /&gt;The company is a gaming company (Metaverse based) that is funded / supported by a prominent Metaverse company.&lt;br /&gt;&lt;br /&gt;Somehow, I can&amp;#39;t help but to think that there seems to be something off. I have not shared my details apart from phone number to the recruiter at this moment as I was cautious of information scam or worse.&lt;br /&gt;&lt;br /&gt;What has been shared:&lt;br /&gt;1. Had a quick chat about the role - Apparently the company intendeds to setup a production office in Malaysia (KL, PJ); They have presence mainly in HK and SG.&lt;br /&gt;2. The role&amp;#39;s brief R&amp;amp;R&lt;br /&gt;3. Was asked about my language capabilities (They need mandarin / Cantonese speaker)&lt;br /&gt;4. What are my current / expected salaries&lt;br /&gt;5. Bonus structures&lt;br /&gt;&lt;br /&gt;Here&amp;#39;s what I did:&lt;br /&gt;1. Able to verify the recruiter&amp;#39;s company indeed is registered with recruiter license in HK (checked through HK gov website).&lt;br /&gt;2. Able to validate the website of the client company of the recruiter.&lt;br /&gt;3. Checked that the &amp;#39;founder&amp;#39; was connected to the recruiter that I was speaking with.&lt;br /&gt;4. Checked that the client company is indeed hiring, but not for the role that I was offered, did not state which state / country.&lt;br /&gt;5. PM&amp;#39;ed / Emailed the client company&amp;#39;s official channels to verify, pending for response.&lt;br /&gt;&lt;br /&gt;The odd thing for me was, they did not ask what I do on a daily basis / competencies, they did not even know my company&amp;#39;s subsidiary etc, but the recruiter focused more on language capabilities as well as my interest towards Metaverse. As a metaverse &amp;#39;investor&amp;#39;, I am exposed to the field and did share my interests towards this company.&lt;br /&gt;&lt;br /&gt;Hopefully anyone here can share their experience / advise if any related to what I&amp;#39;ve experienced.</description>
            <author>sadukarzz</author>
            <category>Jobs &amp;amp; Careers</category>
            <pubDate>Mon, 17 Oct 2022 16:09:54 +0800</pubDate>
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            <title>ahem linked to pro-govt troll farm in Meta quarter</title>
            <link>http://forum.lowyat.net/topic/5297653</link>
            <description>&lt;a href='https://www.thestar.com.my/news/nation/2022/08/05/pdrm-linked-to-pro-govt-troll-farm-in-meta-quarterly-report' target='_blank'&gt;sos cili by star&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;ngam ka the patterns we observe?&lt;br /&gt;&lt;br /&gt;&amp;quot;The individuals behind it ran a troll farm - a coordinated effort by co-located operators to corrupt or manipulate public discourse by using fake accounts and misleading people about who is behind them,&amp;quot; said Meta, which is Facebook&amp;#39;s parent company.&lt;br /&gt;&lt;br /&gt;The report added that the network was active across the Internet, including Facebook, TikTok, Twitter and Instagram, and posted memes in Malay in support of the current government coalition, with claims of corruption among its critics.&lt;br /&gt;&lt;br /&gt;&amp;quot;On Facebook, this network managed pages, including those posing as independent news entities, and promoted police while criticising the opposition.&lt;br /&gt;&lt;br /&gt;&amp;quot;Typically, their posting activity accelerated during weekdays, taking breaks for lunch. Their fake accounts were fairly under-developed and some of them used stolen profile pictures. Some of them were detected and disabled by our automated systems,&amp;quot; the company added.&amp;quot;&lt;br /&gt;&lt;br /&gt;got lunch break lagi somemore</description>
            <author>sadukarzz</author>
            <category>Kopitiam</category>
            <pubDate>Fri, 05 Aug 2022 21:25:07 +0800</pubDate>
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            <title>So who&amp;#39;s gonna get digital banking license?</title>
            <link>http://forum.lowyat.net/topic/5258193</link>
            <description>When would they announce though, waiting for &amp;#39;legal&amp;#39; process  &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>sadukarzz</author>
            <category>Kopitiam</category>
            <pubDate>Wed, 30 Mar 2022 14:42:55 +0800</pubDate>
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            <title>SIA KF Amex Platinum Credit Card</title>
            <link>http://forum.lowyat.net/topic/5256010</link>
            <description>Received this earlier.&lt;br /&gt;&lt;br /&gt;RM0 MBB: Want to upgrade your card to SIA KF Amex Platinum Credit Card? Send UPGRADE&amp;lt;space&amp;gt;Yes&amp;lt;space&amp;gt;last 6-digits of your NRIC/Passport No. to 66628.T&amp;amp;C apply.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;I am currently holding the gold version of the card and was unable to locate any information about the platinum version on MBB website. Anyone has any insights to this?&lt;br /&gt;&lt;br /&gt;*didn&amp;#39;t park at cc page cuz not sure this is legit or not. But seems legit to me.</description>
            <author>sadukarzz</author>
            <category>Serious Kopitiam</category>
            <pubDate>Wed, 23 Mar 2022 17:39:02 +0800</pubDate>
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            <title>11 Malaysian Companies in Forbes Asia Best 200</title>
            <link>http://forum.lowyat.net/topic/5192671</link>
            <description>&lt;a href='https://www.theedgemarkets.com/article/eleven-malaysian-outfits-make-it-forbes-asias-200-best-under-billion-list' target='_blank'&gt;11 Malaysian Companies in Forbes Asia 200&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;Which one is your favorite?&lt;br /&gt;&lt;br /&gt;Which one has huge potentials?&lt;br /&gt;&lt;br /&gt;Bincangkan while I scout tomorrow see which one can shopping.&lt;br /&gt;&lt;br /&gt;p/s: Kesian Dancomech Holdings 2 digit Market Value.&lt;br /&gt;&lt;br /&gt;p/s2: UG Healthcare excluded.&lt;br /&gt;&lt;br /&gt;&lt;a href='https://pictr.com/image/BSm5nO' target='_blank'&gt;&lt;img src='https://pictr.com/images/2021/09/08/BSm5nO.md.png' border='0' alt='user posted image' /&gt;&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;Source: TheEdgeMalaysia &amp;amp; Forbes&lt;br /&gt;&lt;br /&gt;Last p/s: Lord MessiahWord pls tell me which one u vote for so I know what to do thanx&lt;br /&gt;&lt;br /&gt;edit: rephrase nanti say misleading pulak</description>
            <author>sadukarzz</author>
            <category>Kopitiam</category>
            <pubDate>Wed, 08 Sep 2021 23:30:48 +0800</pubDate>
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            <title>Luno circuitbreaker triggered</title>
            <link>http://forum.lowyat.net/topic/5192276</link>
            <description>For how long?</description>
            <author>sadukarzz</author>
            <category>Kopitiam</category>
            <pubDate>Tue, 07 Sep 2021 23:22:48 +0800</pubDate>
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            <title>SPE / DUKE 3 - Drone View - Wow</title>
            <link>http://forum.lowyat.net/topic/5163363</link>
            <description>Enjoys the view, I quite like how the overall presentation looked.&lt;br /&gt;&lt;br /&gt;[YOUTUBE]X8nWxzBsEgU[/YOUTUBE]&lt;br /&gt;&lt;br /&gt;Credits: SZ - Eagle Eye Studiors&lt;br /&gt;&lt;br /&gt;I gotta say, they do a pretty good job in showcasing aeriel view of this, not easy to make.&lt;br /&gt;&lt;br /&gt;Personally, I look forward to DUKE3 / DASH.&lt;br /&gt;&lt;br /&gt;Sorry no upah, video is supposed to be about engineering marvels.</description>
            <author>sadukarzz</author>
            <category>Kopitiam</category>
            <pubDate>Tue, 29 Jun 2021 23:27:02 +0800</pubDate>
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            <title>Seriously, don&amp;#39;t hesitate before its too late</title>
            <link>http://forum.lowyat.net/topic/5142122</link>
            <description>Just awhile ago, I discovered that my SO&amp;#39;s workplace now got a few confirmed case already (not a gigantic company btw). Needless to say I would be close contact to my SO.&lt;br /&gt;&lt;br /&gt;And my SO is also close contact to the positive case. Now pending for PCR result. We now sort of mindf***ing ourselves whether we feeling unwell or not. This is bad.&lt;br /&gt;&lt;br /&gt;What I did:&lt;br /&gt;1. Wear mask at home&lt;br /&gt;2. Sanitize and clean&lt;br /&gt;3. Separate utensils, minimize indirect contact and maximize distance&lt;br /&gt;4. Haven&amp;#39;t been out and will not do so&lt;br /&gt;&lt;br /&gt;While all these going on, people still hesitate wanna sign up and take vaccine or not. I signed up for AZ.&lt;br /&gt;&lt;br /&gt;I just want to say, at this point, I really wish I chose the earlier date. Blood clot would be the least of my concern now. So guys, if you are eligible, healthy and doctor say can take, but hesitating whether to take the vaccine or not ... DON&amp;#39;T hesitate ... especially when your benefit outweighs risk.&lt;br /&gt;&lt;br /&gt;Don&amp;#39;t wait until people around you kena ler and then only start panic. It would be too late.&lt;br /&gt;&lt;br /&gt;Sekian.&lt;br /&gt;&lt;br /&gt;No upah given cuz don&amp;#39;t want distract from important point.</description>
            <author>sadukarzz</author>
            <category>Kopitiam</category>
            <pubDate>Sat, 08 May 2021 22:48:26 +0800</pubDate>
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            <title>News: We are all agents of national unity</title>
            <link>http://forum.lowyat.net/topic/5103487</link>
            <description>&lt;a href='https://www.thestar.com.my/news/nation/2021/02/15/we-are-all-agents-of-national-unity-muhyiddin-tells-m039sians' target='_blank'&gt;SOS CILI&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;PETALING JAYA: Empathy for fellow humans despite their creed to fight the invisible enemy during the Covid-19 pandemic has proven that everyone of us is an agent of the nation’s unity, says Tan Sri Muhyiddin Yassin (pic).&lt;br /&gt;&lt;br /&gt;In his virtual launching speech of the National Unity Policy and National Unity Blueprint 2021-2030 on Monday (Feb 15), the Prime Minister also said that such an attitude has also managed to put aside politicians who manipulate racial sentiments for their political gains.&lt;br /&gt;&lt;br /&gt;Muhyiddin, who was accompanied virtually by National Unity Minister Datuk Halimah Sadique and her deputy Datuk Ti Lian Ker, said that the National Unity Policy by the National Unity Ministry and based on Rukun Negara, was formulated to invest long term in unity between the races, cultures and religion to create a strong nation.&lt;br /&gt;&lt;br /&gt;“The quest for unity is a journey, not a destination.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;..............------------------.............&lt;br /&gt;&lt;br /&gt;so... jkom salary boleh share x?&lt;br /&gt;&lt;br /&gt;i also got contribute, msia is bolehland lets go... together we stand devidededed we fall..&lt;br /&gt;&lt;br /&gt;proof of job done.</description>
            <author>sadukarzz</author>
            <category>Kopitiam</category>
            <pubDate>Mon, 15 Feb 2021 13:17:33 +0800</pubDate>
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            <title>Hopeful for Vaccines to really work.</title>
            <link>http://forum.lowyat.net/topic/5096050</link>
            <description>Genuinely happy for them if this is real, because when the vaccine finally arrives, I would be getting Pfizer.&lt;br /&gt;&lt;br /&gt;p/s: Not really intending to see whether which stocks would go up and down. Maybe some will go down and up depending on this news&amp;#39;s reality, but in the long run its good for everyone&amp;#39;s livelihood.&lt;br /&gt;&lt;br /&gt;&lt;a href='https://www.dailymail.co.uk/news/article-9199645/Two-Pfizer-doses-99-96-effective-research-Israel-suggests.html' target='_blank'&gt;https://www.dailymail.co.uk/news/article-91...l-suggests.html&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='https://www.timesofisrael.com/vaccine-found-92-effective-in-israel-in-first-controlled-result-outside-trials/' target='_blank'&gt;https://www.timesofisrael.com/vaccine-found...outside-trials/&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='https://thehill.com/changing-america/well-being/prevention-cures/536453-pfizer-and-moderna-vaccines-may-be-even-more' target='_blank'&gt;https://thehill.com/changing-america/well-b...ay-be-even-more&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='https://www.contagionlive.com/view/pfizer-covid-19-vaccine-efficacy-new-variants' target='_blank'&gt;https://www.contagionlive.com/view/pfizer-c...cy-new-variants&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;I just hope we don&amp;#39;t delay it too long, everyday tikam possibility new covid19 case numbers almost cover permutations of 4D.</description>
            <author>sadukarzz</author>
            <category>Kopitiam</category>
            <pubDate>Sat, 30 Jan 2021 22:21:21 +0800</pubDate>
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        <item>
            <title>[Poll] To vaccinate or not for Covid-19?</title>
            <link>http://forum.lowyat.net/topic/5085575</link>
            <description>I would like to find out if you would vaccinate or not once these vaccines roll out. &lt;br /&gt;&lt;br /&gt;&lt;b&gt;Apologies for the lack of 1 more option i.e. Moderna / Pfizer / AstraZenaca Combo, you may state below and vote for PFIZER ONLY.&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;Because I had this thought, whereby if only i.e. 40% of the population would take the vaccine, what would happen to the rest that does not (if the vaccine works?).&lt;br /&gt;&lt;br /&gt;&lt;u&gt;Known reasons for NOT TAKING vaccines:&lt;/u&gt;&lt;br /&gt;- Scared kena track&lt;br /&gt;- Scared side effects&lt;br /&gt;- Scared kena exposed while going to get vaccinated&lt;br /&gt;- Scared later affect health&lt;br /&gt;&lt;br /&gt;&lt;u&gt;Known reasons for TAKING vaccines:&lt;/u&gt;&lt;br /&gt;- In general, gain immunity then bukake semua&lt;br /&gt;- Protect family / friends&lt;br /&gt;&lt;br /&gt;### PERSONAL THOUGHTS ### &lt;br /&gt;Whats the use of vaccines if people don&amp;#39;t want to take them even after successes etc? Most people that are not experts in this field / uneducated / lack of knowledge are easily mislead by some parties (i.e. Pro-Glove-Counter sifus on Facebook etc) by overstating / misinforming about vaccines. I am not pro/anti glove stocks FYI.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;FURTHER DISCUSSION TOPIC&lt;/b&gt;&lt;br /&gt;1. How should government roll out the vaccine? Please be precise in terms of: (20m)&lt;br /&gt;   a. Demographics&lt;br /&gt;   b. Geographics&lt;br /&gt;   c. Economics&lt;br /&gt;   d. Duration&lt;br /&gt;&lt;br /&gt;2. Considering that if the vaccine does not have conspiracy theory standing behind i.e. tracking etc, how should government encourage people to vaccinate? (10m)&lt;br /&gt;&lt;br /&gt;3. How should government deal with procurement of vaccines to ensure that first and second dosage is available sufficiently throughout the vaccination program? (10m)&lt;br /&gt;&lt;br /&gt;4. How should the vaccination program be handled? By government entirely? Involve private sector? Combination? (5m)&lt;br /&gt;&lt;br /&gt;5. BONUS: How would social perception of the vaccinated towards the unvaccinated? State your opinion. (5m)</description>
            <author>sadukarzz</author>
            <category>Kopitiam</category>
            <pubDate>Sun, 10 Jan 2021 23:53:31 +0800</pubDate>
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            <title>General Insurance Claim (Vehicle, AXA)</title>
            <link>http://forum.lowyat.net/topic/5069203</link>
            <description>Hi guys, I have a question that I have encountered recently, hopefully sifus here can enlighten.&lt;br /&gt;&lt;br /&gt;1. My car got banged.&lt;br /&gt;2. Claim the guy&amp;#39;s insurance (rented car, but managed to die die drag to make police report).&lt;br /&gt;3. Brought car to perodua (for all ori new parts), car fixed, now wanna claim loss of use.&lt;br /&gt;4. Collected report documents etc from perodua, submitted to AXA general.&lt;br /&gt;5. Amount claimed according to perodua&amp;#39;s docs are RM350.00.&lt;br /&gt;6. But after about 1 month submitting, AXA replied with the discharge voucher form or smth for RM300.00, while email wrote RM120.00 (I suspect its typo just copy paste etc).&lt;br /&gt;7. I still have the copy of record submitted.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Question:&lt;br /&gt;1. Is the amount approved by them final? i.e. RM300.00?&lt;br /&gt;2. Or they should be reimburse me the amount I (perodua) claimed? i.e. RM350.00?&lt;br /&gt;3. If I were to dispute, how can I do it?&lt;br /&gt;&lt;br /&gt;Arigatogozaimas. Ini upah sekalian.&lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('0a72e90606a20f3f3b8dc619f8962f11')&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;0a72e90606a20f3f3b8dc619f8962f11&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;&lt;img src='https://i.pinimg.com/originals/73/48/49/734849ac94ac339408c6b8f4c0e8f229.jpg' border='0' alt='user posted image' /&gt;&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;p/s: got good content for her, search it up  &lt;!--emo&amp;:hehe:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/brows.gif' border='0' style='vertical-align:middle' alt='brows.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>sadukarzz</author>
            <category>Serious Kopitiam</category>
            <pubDate>Mon, 07 Dec 2020 23:07:24 +0800</pubDate>
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        <item>
            <title>MBB x Shopee / MBB x Grab Credit Card Thread</title>
            <link>http://forum.lowyat.net/topic/4988457</link>
            <description>Maybank (MBB) partnered with Shopee (30th JUNE 2020); and Grab (18th AUGUST 2020) for their co-branded credit cards.&lt;br /&gt;&lt;br /&gt;This thread will mainly discuss about these 2 cards (Maybank x Shopee) &amp;amp; (Maybank x Grab). &lt;br /&gt;&lt;br /&gt;&lt;b&gt;PLEASE REFER POST# 3 for MAYBANK X GRAB CC.&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;&lt;u&gt;MAYBANK X SHOPEE CREDIT CARD - MAYBANK SHOPEE VISA PLATINUM CREDIT CARD &lt;/b&gt;&lt;/u&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='https://www.maybank2u.com.my/maybank2u/malaysia/en/personal/cards/credit/mbb-shopee-card.page' target='_blank'&gt;Card Site&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;[LAUNCH DATE - 30th JUNE 2020]&lt;br /&gt;&lt;br /&gt;&lt;u&gt;&lt;b&gt;Card Look:&lt;/b&gt;&lt;/u&gt;&lt;br /&gt;&lt;a href='https://pictr.com/image/7arpsA' target='_blank'&gt;&lt;img src='https://pictr.com/images/2020/06/30/7arpsA.md.png' border='0' alt='user posted image' /&gt;&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;u&gt;&lt;b&gt;Benefits:&lt;/b&gt;&lt;/u&gt;&lt;br /&gt;- Get up to 5% effective cashback, given in terms of Shopee&amp;#39;s coins.&lt;br /&gt;&lt;br /&gt;*Points crediting timeline*&lt;br /&gt;1. Transaction is posted to CC.&lt;br /&gt;2. Transaction date + (3 to 5 working days) after posting date = update to MBB Server&lt;br /&gt;3. Update to MBB server + 1 working day = Updates reflected in Shopee app&lt;br /&gt;4. Statement will reflect how much points earned in a statement cycle &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;u&gt;&lt;b&gt;[SPECIAL DAYS]&lt;/b&gt;&lt;/u&gt; - &lt;i&gt;every 28th of each month, 9.9, 11.11, 12.12, 1-day CNY &amp;amp; Raya Campaign&lt;/i&gt;&lt;br /&gt;- Shopee Spend = 5x shopee coins&lt;br /&gt;- Dining/PayWave/Entertainment = 4x Shopee coins&lt;br /&gt;- Other spend = 1x Shopee coins&lt;br /&gt;&lt;i&gt;~roughly up to 5% cashback~&lt;/i&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;u&gt;&lt;b&gt;[NORMAL DAYS]&lt;/b&gt;&lt;/u&gt; - &lt;i&gt;Normal Days (remainder of the calendar year)&lt;/i&gt;&lt;br /&gt;- Shopee Spend = 2x shopee coins&lt;br /&gt;- Dining/PayWave/Entertainment = 2x Shopee coins&lt;br /&gt;- Other spend = 1x Shopee coins&lt;br /&gt;&lt;i&gt;~roughly up to 2% cashback~&lt;/i&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;u&gt;&lt;b&gt;[Things to Note]&lt;/b&gt;&lt;/u&gt;&lt;br /&gt;- RM1 spend = Shopee coins (x multiplier based on the dates)&lt;br /&gt;- *First 5,000 points will be rewarded in &lt;u&gt;Shopee Coins&lt;/u&gt;;&lt;br /&gt;- *Subsequent points will be rewarded in &lt;u&gt;Treatpoints&lt;/u&gt;.&lt;br /&gt;*PER STATEMENT CYCLE&lt;br /&gt;- No Shopee Coins and TreatsPoints will be rewarded for all transactions go through “Deals, Top-ups &amp;amp; Bills” and “Food &amp;amp; Services Vouchers” under Shopee app.&lt;br /&gt;- You could dip it another round via cashback sites (i.e. Shopback / RebateMango depending on availability) / third party wallets (FavePay / SamsungPay) to earn a little extra cashback / reward points as well.&lt;br /&gt;- Should the card is lost / encounter fraud / etc once the Shopee coins are credited, cardmember is required to reach out to Shopee for further assistance.&lt;br /&gt;- Update as per 10/07/2020: Current Shopee (RM10) coupon can&amp;#39;t be claimed by CC holders (known issue) - Possible workaround (shared by @jhleo1, post# 213): Add CC to shopee, set as default card. Done in App as per Screenshot.&lt;br /&gt;- Update as per 17/08/2020: multiple members mentioned that there are delays in points crediting, no workaround / direction for this issue at the moment from MBB/Shopee.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Shopee Coin Calculation based on MBB Site&lt;br /&gt;- 5,000 shopee coins = RM50&lt;br /&gt;- 100 shopee coins = RM1&lt;br /&gt;&lt;a href='https://pictr.com/image/7ar8YO' target='_blank'&gt;&lt;img src='https://pictr.com/images/2020/06/30/7ar8YO.md.png' border='0' alt='user posted image' /&gt;&lt;/a&gt;&lt;br /&gt;&lt;a href='https://pictr.com/image/ENToXj' target='_blank'&gt;&lt;img src='https://pictr.com/images/2022/12/22/ENToXj.md.png' border='0' alt='user posted image' /&gt;&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;u&gt;&lt;b&gt;Fees:&lt;/b&gt;&lt;/u&gt;&lt;br /&gt;- No annual fee (lifetime waiver).&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;u&gt;&lt;b&gt;Requirements:&lt;/b&gt;&lt;/u&gt;&lt;br /&gt;- Age: Principal Cardholder - 21 to 65 y.o.&lt;br /&gt;- Age: Supplementary Cardholder - 18 to 65 y.o.&lt;br /&gt;- Annual Salary &amp;gt; RM24,000 per annum&lt;br /&gt;- Monthly Salary &amp;gt; RM2,000 per month&lt;br /&gt;- Shopee account *THIS NEEDS TO BE LINKED, SAME SHOPEE ACC PHONE NUMBER AS CC REGISTERED PHONE NUMBER*&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Signup bonus (updated as off 06/09/2023)&lt;/b&gt; &lt;br /&gt;&lt;i&gt;ALL PREVIOUS ENDED CAMPAIGNS has been removed (unless there are any special call outs)&lt;/i&gt;&lt;br /&gt;- 5,000 Shopee coins worth RM50 (TO BE CREDITED TO LINKED SHOPEE ACC UPON RM300 SPENT WITHIN 60 DAYS) &amp;gt;&amp;gt; Override by other ongoing campaign&lt;br /&gt;&lt;br /&gt;- &lt;b&gt;CURRENT: &lt;br /&gt;&lt;br /&gt;ALL YEAR LONG PROMO&lt;br /&gt;&lt;br /&gt;&lt;a href='https://www.maybank2u.com.my/maybank2u/malaysia/en/personal/promotions/maybank_cards/shopee.page' target='_blank'&gt;ALL YEAR LONG PROMO&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='https://pictr.com/image/EWLrSg' target='_blank'&gt;&lt;img src='https://pictr.com/images/2023/09/06/EWLrSg.md.png' border='0' alt='user posted image' /&gt;&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&amp;gt;&lt;br /&gt;&lt;br /&gt;&lt;i&gt;NOTE: EWALLET Transactions are NOT considered as &amp;#39;Retail&amp;#39; Spending as per Post# 290.&lt;/i&gt;&lt;br /&gt;&lt;a href='https://www.maybank2u.com.my/iwov-resources/pdf/personal/cards/credit_cards/mbb-shopee-card_tnc.pdf?fbclid=IwAR06QOHk5H0E0Ac7NZfVPexyMjrzHOK1hAgAwHD62SDCiU2nBLV0tEmK3eM' target='_blank'&gt;Campaign FAQs&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='https://www.maybank2u.com.my/home/m2u/common/page/apply/cardSTP.do?productType=cardSTP&amp;type=cc&amp;cardType=C&amp;packages=STP0055&amp;slider=7.523148148148148undefined' target='_blank'&gt;APPLY FOR THE CARD HERE&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='https://pictr.com/image/7agqix' target='_blank'&gt;&lt;img src='https://pictr.com/images/2020/06/30/7agqix.md.png' border='0' alt='user posted image' /&gt;&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='https://www.maybank2u.com.my/iwov-resources/pdf/personal/cards/credit_cards/mbb-shopee-card_faq.pdf' target='_blank'&gt;FAQ&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='https://ringgitplus.com/en/blog/credit-card-news/maybank-shopee-visa-platinum-credit-card-launched-up-to-5-cashback-in-shopee-coins.html?utm_source=twitter&amp;utm_medium=social&amp;utm_campaign=my-twtsoc-gen-gen&amp;utm_content=CCN-MBB-2020630' target='_blank'&gt;Source 1&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='https://technave.com/gadget/Maybank-launches-Shopee-VISA-Credit-Card-with-Shopee-Coins-and-Vouchers-to-be-earned-19118.html' target='_blank'&gt;Source 2&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;u&gt;[b]GENERAL CC DISPUTE  INFO / FLOW:&lt;/b&gt;&lt;/u&gt;&lt;br /&gt;1. CC Holder files for dispute with respective Issuing Bank (Card Issuing Bank i.e. Maybank)&lt;br /&gt;2. Issuing Bank handles a case and issues a dispute statement to Acquiring Bank (Merchant Bank i.e. Public Bank) / Payment Gateway (iPay88 / RazerPay / GHL / MolPay) depending on the Merchant MID provider / umbrella.&lt;br /&gt;3. Acquiring Bank / Payment Gateway liaises with merchant to defend the dispute (asks merchants for supporting document i.e. Invoice / Delivery Note / Any proof to demonstrate product delivered / service has been rendered.)&lt;br /&gt;4. Acquiring Bank reverts to Issuing Bank with supporting documents, to mediate whether the dispute (cardholder) / chargeback (merchant) is valid.&lt;br /&gt;5. Once decision is reached, outcome will be published / informed by the Acquiring + Issuing banks.&lt;br /&gt;6. Each party will be informed of the outcome (dispute success = chargeback for merchant, refund for cardholder; dispute fail = cardholder signs dispute cancellation form or dispute not valid)&lt;br /&gt;&lt;b&gt;*Does not take into account of further dispute / pre-arbitration.&lt;/b&gt;&lt;br /&gt;&lt;b&gt;*As per last advice by CS, MBB recommends dispute to be filed ASAP after transaction posting date for more accurate case presentation. However, the duration could be longer / has been known to be different from banks to banks depending on their policies, some may accept a much longer period i.e. Up to 9 months in some banks.&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;Source: Work experience / CS / Case handling / Own disputes / Other feedbacks.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;edit series 1(a) - Adjusted details and did some house cleaning.&lt;br /&gt;edit series 1(b) - Minor Revamp to include Maybank x Grab CC details in next post.&lt;br /&gt;edit series 1© - Updated details / house cleaning.&lt;br /&gt;edit post - Updated with recent information.&lt;br /&gt;</description>
            <author>sadukarzz</author>
            <category>Credit Cards, Debit Cards, Prepaid Cards and Loyalty Cards</category>
            <pubDate>Tue, 30 Jun 2020 15:40:14 +0800</pubDate>
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        <item>
            <title>Aeon Return Policy</title>
            <link>http://forum.lowyat.net/topic/3153608</link>
            <description>Greetings to all, I would like to ask in behalf of my friend who wanted to return his item for refund (Sony Home Theatre system he bought from Aeon - Promotion item) due to incompatible with his television system. Is that doable ? It&amp;#39;s within one week (three days) after the purchase is done, the product is disassembled, re-wrapped in good working condition. The warranty wasn&amp;#39;t registered yet as well. What are the procedures and the required receipt other than the purchase receipt itself ? Hope you guys can help answer this question, thank you very much.</description>
            <author>sadukarzz</author>
            <category>Serious Kopitiam</category>
            <pubDate>Thu, 06 Mar 2014 23:04:48 +0800</pubDate>
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