Lowyat.NET: Latest topics by PowerDunk

She's too interested in sex

PowerDunk — Thu, 10 May 2007 09:58:12 +0800

She every guys dream. Sexy, kinky, horny, willing to do different positions and all.

The relationship started like a fairytale in those 3 Star movies and kamasutra videos. Steamy is the word. Although lets say i came quite early (around 2 minutes), but I always make sure she has an orgasm to keep her satisfied.

But now after 3 months, I can't seem to get it up anymore and i have resorted to futsal outings. I have no idea why I can't get it up. I still message her to show that I care for her, but i make myself so tired so that i can avoid those steamy nights with her.

I find it strange now that she wears really sexy see though dresses and bra. Perhaps her sex drive is very high and I can't keep it up with her.

Nowadays, with the help of the blue pill we manage to do it every two weeks. I would secretly eat the pill and do it, although it felt a bit fake. She wants to talk about our current sex life, but I always brush her off by saying how tired i am.

Recently I noticed she has tonnes of porn videos in her hp and have been secretly masturbating. I feel bad, as I can't get it up and keep up with her high sex drive.

What should I do? Should I continue taking <removed> to satisfy her or perhaps dream of kate beckinsale everytime we do it ?

[addedon]May 10, 2007, 9:58 am[/addedon]shit si ekaf. ah ah.

Retirement savings

PowerDunk — Tue, 13 Mar 2007 13:35:13 +0800

A life of comfort and good health in retirement is not beyond the average Malaysian executive despite cases of some who ended penniless after wasting their Employees' Provident Fund savings in poor investments. Financial experts say prudent investments in sound financial instruments can yield handsome returns in old age. ANIS IBRAHIM, SUGANTHI SUPARMANIAM, HEIDI FOO and PRESENNA NAMBIAR have the stories.

CAN a 35-year-old Malaysian executive earning about RM4,000 a month afford a comfortable lifestyle after retirement at 55?
This is a question often on the minds of those on the threshold of middle age but which seldom yields a definite answer.

Yes, it is possible to live the same lifestyle in 20 years' time but it is going to cost a bomb.

One will need to have between RM1.4 million and RM2.8 million at retirement to maintain the same lifestyle depending on which financial planner one talks to.

Besides inflation, which will reduce the amount of items one can buy in 20 years with the same amount of money available today, there is also the astronomical cost of medical treatment in old age.

Malaysians will have to bear much higher medical costs in the twilight of their lives, especially so in the light of the longer life expectancy of Malaysian men and women of 72 and 76 respectively.

Despite the frightening prospect of not having enough money in old age, there is still good news for most: Good financial planning can ensure a problem-free retirement.

The first step to take is to realistically identify the lifestyle one wants at retirement and work towards attaining it.

The next is to identify the financial instruments to be used to accumulate between RM1.4 million and RM2.8 million by 2027.

Integral to this would be the savings one accumulates with the Employees' Provident Fund - about RM500,000 for the person earning about RM4,000 at 35 years of age.

Financial planners suggest several ways of going about this including investing in the stock market, unit trusts and property, saving money in the bank and buying an endowment insurance policy.

But how much should one invest to live comfortably after retirement?

Some financial planners say one should put aside a third of the monthly income - or RM1,300 for a person taking home RM4,000 a month - for investments.

Others say 20 per cent would suffice if one cannot afford more.

While these may hold promise of a rosy future, there are unexpected pitfalls for the unwary, including the vagaries of the stock and property markets and the general economic condition of the nation.

For those who cannot expect as much monthly after retirement as they did while working, the EPF suggests that they work on estimated monthly financial returns of 40 per cent of their salaries.

This is based on the International Labour Organisation's (ILO) "replacement rate" for salaries after retirement.

EPF officials say that while 75 per cent would come from their EPF savings, Malaysians would still have to depend on other sources of income for the rest.

Developed countries like the United Kingdom and the United States apply a replacement rate of between 60 and 75 per cent of the average monthly salary.

All told, the average 30-something Malaysian in the private sector cannot depend on his EPF savings to ensure a comfortable lifestyle in retirement.

Larger community

PowerDunk — Wed, 21 Feb 2007 11:07:41 +0800

I'm just wondering, which gaming community is larger? CSS or cs1.6?
I'm afraid most of the server will be empty and I'll regret purchasing it.

BTW is there any demo where i can try it online for 1 month?

Buying a medium cost apartment

PowerDunk — Mon, 12 Feb 2007 16:26:57 +0800

I'm currently living in a middle room apartment semi furnished and paying a around rm350 in rent. I was thinking wouldn't it be better if I were to purchase a medium cost apartment say approx 150K, stay in the master bedroom and rent out the other two rooms. I expect to pay slightly more with this option, but in the long term if I were to continue paying rent, I would have no property whereas with this option I would have a property under my name (theoretically).
This is not really for investment purposes but rather to make sure my money is being used to finance my own apartment rather than paying rent every month. I just want to know what are the things that I have not considered by doing this.

Living in Penang

PowerDunk — Thu, 16 Nov 2006 09:27:08 +0800

Guys , can you tell me roughly the accomodation cost and food cost in penang compared to KL?
I recently recieved two job offers , one in KL and one in Penang so i need to findout the pros and cons of both states. Penang pays more but i have to pay for accomodation as well as trip back to Kl once in a while.
Those of you from KL working in penang, can kindly share what the living cost in penang is like?