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        <title>Lowyat.NET: Latest topics by kaitlee</title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Fri, 12 Jun 2026 09:06:40 +0800</lastBuildDate>
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            <title>Insurance premiums</title>
            <link>http://forum.lowyat.net/topic/5498675</link>
            <description>Insurance premiums face scrutiny as hike comes amid record profits by private hospitals, insurers, doctors etc.&lt;br /&gt;&lt;br /&gt;&lt;a href='https://www.thestar.com.my/news/nation/2024/12/09/insurance-premiums-face-scrutiny-as-hike-comes-amid-record-profits-by-private-hospitals-insurers' target='_blank'&gt;https://www.thestar.com.my/news/nation/2024...pitals-insurers&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;High medical costs can have a variety of negative impacts on individuals and society as a whole:&lt;br /&gt;&lt;br /&gt;Financial Strain: Many people face significant financial burdens due to high medical expenses. This can lead to debt, bankruptcy, and financial stress for families.&lt;br /&gt;&lt;br /&gt;Access to Care: High costs can deter people from seeking necessary medical care, leading to untreated conditions, worsening health, and preventable complications.&lt;br /&gt;&lt;br /&gt;Health Inequality: Individuals from low-income backgrounds are disproportionately affected, exacerbating existing inequalities in access to healthcare and overall health outcomes.&lt;br /&gt;&lt;br /&gt;Economic Impact: High medical expenses can affect overall economic productivity, as people may miss work due to untreated health issues or face reduced disposable income due to medical bills.&lt;br /&gt;&lt;br /&gt;Mental Health: The stress and anxiety related to affording healthcare can negatively impact mental health, contributing to a cycle of poor health and financial strain.&lt;br /&gt;&lt;br /&gt;Preventive Care Neglect: High costs can lead to people skipping preventive care services, which can result in more serious and costly health problems in the long run.&lt;br /&gt;&lt;br /&gt;Quality of Life: The financial burden of medical costs can reduce overall quality of life, limiting access to other essential services and opportunities.&lt;br /&gt;&lt;br /&gt;The long-term consequences of high medical costs can be profound, affecting not only individual lives but also the broader society. Addressing this issue is crucial for ensuring that everyone has access to the care they need without facing financial hardship.&lt;br /&gt;&lt;br /&gt;We just do not want to end up like US and some western countries as most people unable to enjoy good medical care.&lt;br /&gt;&lt;br /&gt;It will perhaps severely affect the government as whole.</description>
            <author>kaitlee</author>
            <category>Kopitiam</category>
            <pubDate>Mon, 09 Dec 2024 09:20:03 +0800</pubDate>
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            <title>Mr DIY</title>
            <link>http://forum.lowyat.net/topic/5325446</link>
            <description>Hi folks, please check carefully on their price tags and the bill when check out. Many items are more expensive than its suppose to be....&lt;br /&gt;&lt;br /&gt;When you notice the dispute, they are more than happy to pay back with cash even you paid via credit card.&lt;br /&gt;&lt;br /&gt;Serious good in DIY including marketing and accounting.....&lt;br /&gt;&lt;br /&gt;&lt;a href='https://pictr.com/image/EZTf3x' target='_blank'&gt;&lt;img src='https://pictr.com/images/2022/11/09/EZTf3x.md.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;</description>
            <author>kaitlee</author>
            <category>Kopitiam</category>
            <pubDate>Wed, 09 Nov 2022 09:03:07 +0800</pubDate>
        </item>
        <item>
            <title>[WTS]Samsung Galaxy A70 Malaysia unit</title>
            <link>http://forum.lowyat.net/topic/4800717</link>
            <description>[WTS]Samsung Galaxy A70&lt;br /&gt;&lt;br /&gt;Digi unboxed and unregistered unit (White color) &lt;br /&gt;&lt;br /&gt;Selling price: RM1450.00 net. &lt;br /&gt;&lt;br /&gt;Warranty:Full local warranty &lt;br /&gt;&lt;br /&gt;Dealing method: COD&lt;br /&gt;&lt;br /&gt;Location: Kuala Lumpur/ Petaling Jaya &lt;br /&gt;&lt;br /&gt;Contact method/details: PM&lt;br /&gt;&lt;br /&gt;Item(s) conditions: NEW &amp;amp; unboxed. &lt;br /&gt;&lt;br /&gt;Picture: &lt;a href='https://www.samsung.com/my/smartphones/galaxy-a70-a705/SM-A705FZBGXME/' target='_blank'&gt;https://www.samsung.com/my/smartphones/gala...SM-A705FZBGXME/&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;Reason for sale: Extra unit.</description>
            <author>kaitlee</author>
            <category>Mobile Phones Garage Sales</category>
            <pubDate>Sun, 30 Jun 2019 11:30:48 +0800</pubDate>
        </item>
        <item>
            <title>CTOS Crab</title>
            <link>http://forum.lowyat.net/topic/4437850</link>
            <description>I was approached by a sales personal from CTOS &amp;amp; subsequently subcribe to their corporate online database for a trial.&lt;br /&gt;&lt;br /&gt;We lately posted a customer&amp;#39;s default payment to CTOS and RAM respectively. We later found out that this posting cost us 3% of actual owning by customer for reporting in CTOS system. We are sending this high charges protest to CTOS but was ignoring by them. I just wondering beside having some &lt;b&gt;basic&lt;/b&gt; database in their system, they are basically no right to charge their fees base on amount owning (beside stated in their contract). The bill end up with thousands.... is even so much more expensive than we engage a solicitor at this primary stage of legal action. Even real estate agent or even some professionals are not earning such high commission for their hard work done. &lt;br /&gt;&lt;br /&gt;We are doing the same on RAM system however basically there are no charges (beside the normal monthly subscription).... from reporting till the withdrawal of reporting after my customer paid up the outstanding.&lt;br /&gt;&lt;br /&gt;I just would like to highlight CTOS unfair practice &amp;amp; hope they will stop these crabs with immediate effect&amp;#33;&amp;#33; I do not understand why their database is so good to make them proud to charge such ridiculous fees....&lt;br /&gt;&lt;br /&gt;Thanks.&lt;br /&gt;&lt;br /&gt;</description>
            <author>kaitlee</author>
            <category>Finance, Business and Investment House</category>
            <pubDate>Tue, 24 Oct 2017 09:40:42 +0800</pubDate>
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        <item>
            <title>Discovery of the year</title>
            <link>http://forum.lowyat.net/topic/346988</link>
            <description>I just discover my phone line is now come with voice mail service. An improvement from TMNut. &lt;br /&gt;&lt;br /&gt;When I was using my fax machine yesterday, my customer try to fax some documents to me. Instead of normal engage tone, he was asking me why I put up a voice mail in my fax machine line. He claims that he does not want to leave message in my fax line......... ha ha, what a great job from TMNut.&lt;br /&gt;&lt;br /&gt;I am also not sure whether this service is charges secretly by TMNut.&lt;br /&gt;&lt;br /&gt;Please advise&amp;#33;&lt;br /&gt;</description>
            <author>kaitlee</author>
            <category>Networks and Broadband</category>
            <pubDate>Fri, 29 Sep 2006 09:04:41 +0800</pubDate>
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