Lowyat.NET: Latest topics by rcracer

Car loan early settlement discount is now law

rcracer — Thu, 09 Oct 2025 09:54:45 +0800

Malaysia passes bill to end practice of charging full interest on early hire purchase loan settlements

KUALA LUMPUR (Oct 8): The Dewan Rakyat on Wednesday approved the Hire Purchase (Amendment) Bill 2025, which abolishes the use of the flat rate and the Rule of 78 for fixed-rate hire-purchase loans.

The Rule of 78 calculates a loan’s total interest based on the original principal amount, which means borrowers do not enjoy any interest savings even if they settle their loans earlier than scheduled.

Under the amendment bill, the effective interest rate (EIR) and reducing balance method will replace the Rule of 78 to ensure greater transparency in loan calculations.

https://theedgemalaysia.com/node/773288?fbc...W1W1pzDl1UiRbaw

Aunties hack Maybank Rm1.7million , 30k fine

rcracer — Tue, 26 Aug 2025 10:03:22 +0800

https://www.nst.com.my/news/crime-courts/20...nk-rm17mil-scam

KUALA LUMPUR: A smartphone, a simple tap, and a secret code.

That was all it took for a syndicate to cheat Maybank out of more than RM1.7 million in just two weeks.

The scam first came to light in June when one of Maybank's clients noticed strange transactions and alerted the bank.

The bank's Fraud Investigation Department began digging and what they found was a trick that turned modern payment technology into a "weapon".

The suspect, believed to be part of a larger syndicate, had synchronised a mobile phone with a foreign bank's credit card.

When tapping the phone against Maybank's Electronic Data Capture (EDC) terminals, transactions are sent for approval.

With this phone, however, the transactions made were not sent for normal approval.

Instead, the EDC terminals were forced into offline mode, making the payments look genuine when they were not.

Every purchase came with the same unusual approval code, VIP111.

It was this tiny detail that later unlocked the entire fraud.

Between May 31 and June 14, investigators uncovered 154 fake transactions at Maybank merchants.

By then, the bank had already lost more than RM1.7 million.
This was revealed in the statement of facts after two accused, Chong Yin Hong, 41, and Chong Li Shian, 38, pleaded guilty when they were jointly charged in the Sessions Court today.

Judge Suhaila Haron sentenced them to a fine of RM30,000 each, in default four months' jail, under Section 4(1)(a) of the Computer Crimes Act 1997 for unauthorised access with intent to commit fraud.

I have so many questions

1. Aunties hot? like doctor amoi?
2. How did the phone hack just by near field
3. Where did the money eventually go?
4. Steal big , never steal small always get away

Bincangkan

Half a full week is religion study in Malaysia

rcracer — Sun, 15 Jun 2025 10:50:55 +0800

https://www.therakyatpost.com/news/malaysia...analysis-shows/

ChatGPT analysis reveals that 46.67% of classroom time in government schools is dedicated to religious instruction for Muslim students.

[The discussion isn’t about what’s being taught – it’s about how much of the school day is dedicated to Islamic religious instruction, and what non-Muslim students do during those hours.

Samarasan clarified that this reflects the school calendar in the states of Kedah, Kelantan, and Terengganu, where the school week runs from Sunday through Thursday due to local Islamic practices.

However, she emphasised a crucial point: This is a national syllabus set by the Ministry of Education, not specific to those states. Other schools in other states follow it too, but would start on Mondays.

This means the 46.67% figure isn’t unique to Malaysia’s more conservative northern states – it’s part of the standard national curriculum used across the country.

BINCANGKAN 10 MARKAH

😥Dog found skinned alive roaming Tawau

rcracer — Wed, 26 Mar 2025 17:01:44 +0800

Please explain what drives human to do this?

It died on operating table, peace rest its soul.

Kalaivanan said the dog was discovered with nearly half of its dorsal or back skin torn off, extending down to the caudal abdominal area.

“It also suffered a deep incision at the centre of the dorsal abdomen, severe muscle damage on the right hind thigh, and an open fracture wound on the right ankle,” he said.

Kalaivanan said Tawau SPCA brought the dog to a veterinary surgery clinic for emergency treatment, where a nearly three-hour surgery was performed to repair and suture the torn skin.

“Sadly, the dog suddenly stopped breathing shortly after the procedure. Despite CPR efforts and an adrenaline injection, it could not be revived.

https://www.freemalaysiatoday.com/category/...alive-in-tawau/

Mixue Garbage Bags 'confusion'

rcracer — Tue, 28 Jan 2025 16:47:50 +0800

Garbage buat sampah also kena halal ?

Macam kurang faham konsep ini. So udara nafas kena filter guna halal filter ?

https://www.freemalaysiatoday.com/category/...mpliance-issue/

PETALING JAYA: Mixue Malaysia has issued an apology following concerns over halal compliance at one of its outlets which arose after the use of garbage bags with questionable labels.

The ice-cream and beverage chain said that the garbage bags, purchased online, had come in packaging with wording that “could cause confusion”.

Ananda Krishnan passed

rcracer — Thu, 28 Nov 2024 14:39:04 +0800

https://theedgemalaysia.com/node/735809

KUALA LUMPUR (Nov 28): T Ananda Krishnan, a billionaire tycoon with an empire stretching from the telecommunications sector to oil and gas, passed away on Thursday at the age of 86.

He passed on peacefully, according to a statement from his private vehicle Usaha Tegas Sdn Bhd. The family wishes to mourn in private, the company said.

Malaysia eat EU plastic

rcracer — Sun, 03 Nov 2024 21:59:37 +0800

https://www.dw.com/en/malaysia-struggles-to...rope/a-70638812

QUOTE

Malaysia remains the world's second-largest importer of plastic waste from the EU, despite government pledges to prevent the country from becoming a global dumping ground.

The amount of plastic waste imported from the EU rose by 35% last year compared to 2022, according to Eurostat data.

The EU exported 8.5 million tons of paper, plastic and glass in 2023, with more than one-fifth destined for Malaysia's dumps.

"However, much of the imported plastic is either nonrecyclable or contaminated, ultimately being disposed of through landfills or incineration."

Everyone so like Europe so clean, Babi pundek of course lah, all sent to us. Throw candy bar wrapper end up with you back in Maling

Malaysian sort own rubbish plastic like fucking sohai Kia.

You corrupt don't blame non Muslim

rcracer — Thu, 08 Aug 2024 21:45:25 +0800

Never would you hear this before PMX 🤭

Don't blame non-Muslims if you are corrupt, says Ayob Khan

PETALING JAYA: A true Muslim with a strong faith will not take bribes nor turn corruption into a racial issue, says Datuk Seri Ayob Khan Mydin Pitchay.

The Deputy Inspector-General of Police said that despite corruption being widely condemned in the Quran, many of those caught receiving bribes were Muslims and it was turned into a racial issue by some

https://www.thestar.com.my/news/nation/2024...-says-ayob-khan

Tesla Kill switch Malaysia

rcracer — Wed, 07 Aug 2024 17:16:10 +0800

IPETALING JAYA: US electric car maker Tesla has abandoned its plans to build factories in Southeast Asia, including Malaysia, Thai daily The Nation reported.

According to the report, quoting a Thai government source, Tesla had scuppered plans to set up an electric vehicle (EV) factory in the region, in which Thailand, Malaysia or Indonesia were the likely locations.

https://www.freemalaysiatoday.com/category/...ns-says-report/

Msian Chinese highest suicide

rcracer — Thu, 11 Jul 2024 23:40:29 +0800

Most suicides involved men, with over 3,600 cases, while more than 780 involved women, Ahmad Zahid said, added that there was concern about the Chinese community experiencing the highest number of suicides annually since 2019.

https://www.scmp.com/news/asia/southeast-as...s-suicide-surge

Murdered for insurance, forveralone

rcracer — Tue, 25 Jun 2024 08:45:37 +0800

Insurance syndicate that kills victims to claim compensation busted
Bernama
-
24 Jun 2024, 11:34 PM
Johor police chief M Kumar says the matter came to light during an investigation into the death of a 38-year-old man who was purportedly killed in an accident.

The modus operandi of this syndicate is to buy a RM500,000 life insurance policy for an individual chosen randomly without the person’s knowledge, usually those without relatives or family.

“After the documentation process and the victim’s insurance policy has been approved by the (real) insurance company, the syndicate then schemes to kill the person through a fatal accident,” he said at the Johor police contingent headquarters

https://www.freemalaysiatoday.com/category/...nsation-busted/

Singapore is dark web top 10

rcracer — Mon, 24 Jun 2024 13:27:08 +0800

S’pore in top 10 nation list for uploading objectionable YouTube videos

About 40 per cent of the removed content from January to March 2024 violated child safety, including cyber bullying and sexualisation of minors, and about a quarter promoted dangerous or threatening pranks and instructional theft.

According to Google Transparency Report, YouTube owner Google removed a record number of 1.2 million objectionable videos in Singapore in the last three months of 2023, putting it in second place after India. In the latest report showing numbers for January to March 2024, Singapore came in 10th with about 100,000 removals.

https://www.straitstimes.com/singapore/s-po...-youtube-videos

Rain

rcracer — Wed, 18 Oct 2023 17:04:26 +0800

Heavy rain, and lightning

No more pikap soon?

rcracer — Fri, 19 May 2023 15:36:35 +0800

https://www.malaysianow.com/news/2023/05/18...-trade-minister

Targeted subsidies for diesel next year, says domestic trade minister
Salahuddin Ayub says an integrated database will be drawn up to ensure effective implementation of the plan.

Bernama
May 18, 2023 5:33 PM1 minute read

Unsubsidized is rm3.00++ now

Vege farmers: we are not charity

rcracer — Thu, 27 Apr 2023 08:45:09 +0800

https://www.thestar.com.my/news/nation/2023...ity-say-farmers

“If there are those who complain that we were wasting the vegetables by dumping them, then they are welcome to bring their own transport boxes to take them.

Tell earlier I sure come take,

Mad guy suicide mission

rcracer — Sun, 05 Mar 2023 20:09:29 +0800

[video]https://thumbsnap.com/i/HCZgrPLg.mp4[/video]

[Video]https://thumbsnap.com/i/e66dHGxs.mp4[/video]

[Video]https://thumbsnap.com/i/8bM8rxx1.mp4[/video]

[wts] Pittsburgh torque wrench

rcracer — Wed, 21 Apr 2021 15:05:59 +0800

Item(s): Torque wrench 1/2 inch drive, 10 to 150 Ft lbs

Package includes: Plastic blow mould case

Price: RM 150

Warranty: None

Dealing method: COD or postage

Location: Bukit Jalil, OUG

Contact method/details:
--- PM

Item(s) conditions: Used

Picture:

Reason for sale: Not used anymore

North People no need go home

rcracer — Sun, 24 Mar 2019 14:50:32 +0800

[@lorrydriverrocks]

Najib sleep , no fak given

rcracer — Tue, 19 Mar 2019 10:16:36 +0800

PUTRAJAYA: Former prime minister Datuk Seri Najib Tun Razak was seen dozing off while his lawyer was arguing his case in the Court of Appeal.

A police officer who was sitting on the right side of the courtroom then walked over to Najib and touched the former premier on his shoulder and was seen uttering some words.

Read more at https://www.thestar.com.my/news/nation/2019...sOpKi9goJQzO.99

Puchong not people live again

rcracer — Fri, 15 Mar 2019 17:32:14 +0800

[YOUTUBE]q-iO0VYSAag[/YOUTUBE]