Lowyat.NET: Latest topics by rahsk

Term Investment account (TIA)

rahsk — Wed, 17 Dec 2025 20:34:10 +0800

What are your views, experiences with term investment accounts. They are like fd, but not protected by pidm. Higher rates too.

Has any one had tia that had issues or didn't pay as per the advertises rates?

Capital Protected SharkNote

rahsk — Sat, 13 Jan 2024 10:24:37 +0800

I was introduced to this Capital Protected SharkNote product at a local bank.
you buy a stock, klse or nyse, after one year you get returns based on knock out price.

example: stock a : KO rate is 110% & rebate is 5%. till the price goes up to 110% of original price, you get full returns+ gains, if exceed 110%, you get a flat profit rate. if price falls below original, no income, only 100% capital.

case a : one year later, price is ,106 % percent, my rebate is 6%

case b : one year later, price is ,108 % percent, my rebate is 8%

case c : one year later, price is ,112 % percent, my rebate is 5%

case d : one year later, price is ,50 % percent, my rebate is 0% , i get back 100% capital.

case e : one year later, price is ,20 % percent, my rebate is 0% , i get back 100% capital.

my question is, is there any gimmick or clause to this kind of investment? I wanted to recheck if stock price really crash and they can still guarantee full capital returns?

xiaomi phone camera defaults to front camera

rahsk — Wed, 26 Apr 2023 17:51:00 +0800

I have a xiaomi phone.When i open my camera, it by default loads the front camera, then i have to switch to use rear camera.

I would like to fix this bug. i googled but cant do much.

if you can help let me know. or i can come to your shop. I am located at bandar utama Petaling jaya Thanks!!!

standard chartered deposit+unit trust plan

rahsk — Tue, 28 Mar 2023 10:26:07 +0800

Hello, i had taken up a 3month 4.88% fd at standard chartered bank end of last year. Its matured now. My banker advises me to move it to a deposit+ unit trust kind of scheme. Unit trust is from PRUSignature. One of the suggested product is PRULink Dragon Peacock Fund

How do I evaluate what are the risky involved? How to know if its a good move? Or such fd+unit trust bundles best avoided?

https://www.sc.com/my/insurance/insurance-s...n/prusignature/
https://www.sc.com/my/terms-and-conditions/...td-new-to-bank/

ifast | CIMB-Principal

rahsk — Thu, 09 Feb 2023 15:39:22 +0800

When i drive around, I often see ifast,CIMB-Principal outlets around. Just a survey, has anyone invested with them? Did any of their investment professionals guide you well to make your $$ grow well over the years?

if you did invest, do share if it worked or it totally failed for u

manulife promo

rahsk — Wed, 28 Dec 2022 00:56:36 +0800

I came across such manulife promos where there is a pay out of 8.28% on first year and 6.28% on second year . What should i be vary off ? what are the hidden clauses to check?

https://scontent.fkul15-1.fna.fbcdn.net/v/t...cIg&oe=63AF955A

Sabah Development Bank Bond

rahsk — Wed, 21 Dec 2022 22:44:13 +0800

I got a noob question. Went to the bank to place a FD, and the banker saw me placing a big FD , and he recommended this 5 year bond, that has a payout rate like 5% He says , I get a slight higher rate over FD and the bond is low risk rating and safe.

Name of bond is : Sabah Development Bank Bond

https://bondinfo.bnm.gov.my/portal/server.p...ct?sp=SUG170138

https://www.bondsupermart.com/bsm/bond-fact...et/MYBUI2102654

My question is, how does one identify if this bond is safe? how do i my home work/background checks?

Thanks in advance!

[P2P] Funding Societies - Guaranteed Investment

rahsk — Mon, 21 Nov 2022 15:48:37 +0800

Funding Societies a P2P financing website has Guaranteed Investment notes now. Returns are like 6%-8%

anyone invested in these? got defaults/ late payments?

RHB multi currency FD

rahsk — Mon, 14 Nov 2022 12:57:19 +0800

Hello, I saw this RHB multi currency fd promo https://www.rhbgroup.com/treasury-rates/mul...osit/index.html

If I was to invest in this USD FD , what are your reviews on this? Any potential risks I should be careful about?

bank negara employee screening

rahsk — Mon, 18 Oct 2021 11:42:59 +0800

When one joins a financial company ,need to do bank negara employee screening. Has anyone here done one lately? How long did the process take?
1 /2/ 3 weeks?
referring to :https://www.bnm.gov.my/-/employee-screening-09032018

BAE Systems Applied Intelligence

rahsk — Tue, 06 Jul 2021 11:29:56 +0800

Hello,
Is anyone working at BAE Systems Applied Intelligence now? Or worked there recently?

I see lot of tech jobs posted on linkedIn for BAE. The number of ppl applying per role is low too.

So looking for feedback,reviews on work culture, is it stressful in there? is turn over high?

Thanks!

banks:average time to create offer letter?

rahsk — Mon, 24 May 2021 18:38:29 +0800

Hello, this is just a quick question, if you were to be told verbally that you are gonna be hired for a job in local bank,

What is the average time to create offer letter?

At local bank, xyz, I was verbally told they would be keen to hire me. And the timeline to generate the offer letter was like 6-8 weeks. as lot of checks need to be done.

Does it take that long?

rhb digital team

rahsk — Fri, 14 May 2021 17:11:20 +0800

Want to ask, does any one work in RHB digital team here.
What is the working conditions and culture like?
Good offered a role as a backend engineer there.

-

rahsk — Fri, 14 May 2021 17:01:44 +0800

wrong group.closing

laptop upgrade advice

rahsk — Fri, 29 May 2020 00:45:11 +0800

Hello, below is my laptop specifications:

Processor: i5-7200 CPU 2.50Ghz 2.71Ghz
RAM: 8.00GB (7.88 GB usable)

How do i make my computer faster? its good for simple internet browsing, but when i do software development, it slows down alot

.

rahsk — Sun, 10 Mar 2019 13:16:32 +0800

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LLP debts

rahsk — Mon, 22 Oct 2018 10:18:54 +0800

LLP xyz has Managing partner A, and co founders B , C, D
The debts currently is around 40K.

Let's say if the LLP business stops operation, we liquidate and get back only around 30K. My Question is, who will service the remaining debts? Do all partners bears the remaining 10k?

The ssm document says:
1.4 Difference between an LLP and a General Partnership
The LLP offers limited liability to its partners whereby any debts and obligations of the LLP will be borne by the assets of the LLP

I am unsure of how to interpret it.

Do advice, thanks

renew expired + lost license

rahsk — Fri, 20 Apr 2018 12:19:01 +0800

I have a driving license. it's lost and it expired in august 2017.
How do i best go about renewing it?

If lost more than 3 months what's fine like?

[WTS] NEW Fitbit Flex

rahsk — Wed, 07 Mar 2018 16:21:34 +0800

Item(s): NEW Fitbit Flex Wireless Activity + Sleep Wristband Color: Dark pink

Package includes: NEW Fitbit Flex Wireless Activity + Sleep Wristband, Dark pink

Price: [/color] 300

Dealing method: COD

Location: PJ/ puchong

Item(s) conditions: new

Reason for sale: unused

[WTB] car fuel tank cap

rahsk — Fri, 02 Mar 2018 17:22:31 +0800

Item(s): Filled my petrol , forgot to close fuel tank with cover

Price: PM me the price

Dealing method: COD

Location: PJ - puchong/setia walk