Lowyat.NET: Latest topics by sywz.forp

20k for investing for newbies

sywz.forp — Sat, 18 Jan 2014 19:36:15 +0800

I am currently just a 19y/o student who has around RM20k for investing, have been thinking bout it for some time.
I am looking for something which requires little if not zero attention with low risk but reasonable income (i know it sounds abit like an oxymoron)
I personally feel that FD rates are abit low as I only have a low amount of money and might not save it for long.
i am thinking of putting it in FD for 6 months and get it into something with a higher gain or putting it for 5 years till I am back from my undergrad studies (leaving on this year sept for 4 years) but i would be more than willing to take advises(especially for other options like mutual funds/unit trusts/long term stocks) from you senseis on this as I don't know much yet.
Sorry for my lack of knowledge.

US university application- retaking SAT

sywz.forp — Fri, 06 Dec 2013 01:58:23 +0800

I am taking the December SAT and I'm thinking in case I don't score well enough, I might wanna retake it during January.

So, the problem is that the university application deadline is December 31, but the Jan SAT is at Jan 25th, and it might take up to 5 weeks to reach them.
Is it possible for me to send the extra retake scores to them and be considered? (Anyhow I am using my December scores to apply)

University Application

sywz.forp — Sat, 17 Aug 2013 18:44:11 +0800

When we apply for courses for universities it often occurs that there are 'several variations' of courses like

Chemical Engineering
Chemical Engineering (Business Management)
Chemical Engineering (Energy and the Environment)
Chemical Engineering with Biotechnology
Chemical Engineering with Chemistry
Chemical Engineering with Environmental Technology
Chemical Engineering with Industrial Experience
Chemical Engineering with Study in Europe

and after looking at the course structures, they're more or less the same,
so my question is,
1) Do applying to any make a difference?
2) Will it be easier to apply for certain courses (for top universities) ?

Maths problem

sywz.forp — Wed, 26 Jun 2013 00:35:29 +0800

Prove that (10^1980)+1 is a composite.
thought of applying fermat's little theorem in solving this but can't actually solve it out as im not quite familiar with modular arithmetic yet.

How important are A-level internal semester exams?

sywz.forp — Tue, 04 Jun 2013 14:16:13 +0800

Is it important for university application, scholarship or anything?

preparing for SAT

sywz.forp — Mon, 29 Apr 2013 20:35:19 +0800

Are books necessary? (arent cheap)
If necessary which books are the best for critical reading and writing?
Anyone have any of those books for sale at a cheaper price living in penang?
and, any tips on it? thnx

regarding US unis

sywz.forp — Sun, 28 Apr 2013 23:18:51 +0800

is it possible for people to go to US unis and study straight after or even before spm, by straight taking SAT?
or are we required to have 12 years of education?

Where to take up art lessons?

sywz.forp — Wed, 03 Apr 2013 01:08:56 +0800

1. Im a noob at drawing
2. Thought of giving it a try
3. 18 years old
4. give me some details bout it, thnx

Starting piano class!

sywz.forp — Wed, 03 Apr 2013 00:57:25 +0800

well, i am now admitted into college and i find it very boring and dull so i thought of taking up some random classes to fill up my extra time, hehe
back to the topic:
1. would i be too old for this?
2. where should i go for the lessons? search for private tutor or yamaha?
3. yamaha start from grade 9? dont get it, someone explain it plz thnx
4. i dont mind taking exams or whatever, give ur opinions on both, thnx

About myself:
i have a piano, my bro is a very talented pianist, (would consult his opinions later too)
i would like to be good at it as fast as possible as i might be leaving penang soon

starting piano classes

sywz.forp — Wed, 03 Apr 2013 00:47:17 +0800

I would like to start taking piano classes, at age 18
am i too old for this? haha
would you guys suggest me to go and learn at yamaha or private classes?
would love to have some other suggestions as well
ps i have a piano

All about International Baccalaureate

sywz.forp — Sun, 31 Mar 2013 10:41:35 +0800

I know this program isn't as popularized as A-levels, HSC or any other courses, and as I checked it out, this diploma really prepares you alot for your future university life and career life.
It requires you to write alot of essays (very long ones) and do oral presentations which I think would let us learn alot bout how to express our ideas.(Correct me if I am wrong)
Yet, it's a 2 years program and starts on july (I am gonna graduate so much later than my peers)
besides,it seems like it doesnt go into great depth in most subjects especially highly technical subjects like physics and maths (my favourite), not to mention you can't take more than 1 science subjects.
Anyone teaching/went through this program share your opinions please, thnx.
Sifus sifus around also can share bout ur opinions

Public or private university?

sywz.forp — Fri, 29 Mar 2013 00:11:12 +0800

First of all sorry for bothering you guys so much about this and being so decisive.
The problem is,
I am offered the KPM bursary (which covers my full tuition fee, accomodation, and gives me a monthly allowance of RM430) for A-levels
but my family prefer me going to matrikulasi as it is dramatically cheaper
(they don't mind if I wanna study private unis as well) supportive parents
yet, if i were to go for A-levels, that means forking out nearly half a million on education after that for my undergarduate degree unless i get an awesome scholarship (still a hefty sum)
and if i were to opt for A-levels i wouldnt want to study locally and i prefer going to overseas (thats why i said half a million)
So,
I would really appreciate some advices from dear sifus whether i should play safe and go for matriks or go for A-levels? (aiming for actuarial science/engineering)

Need help in explaining arts stream courses

sywz.forp — Wed, 27 Mar 2013 17:03:51 +0800

Sorry i only did some brief research on arts stream degrees (focused more on science stream ones)
I just finished my SPM in 2012.
So, my question is,
1. What are the differences between a economic, finance, and accounting degree in terms of
job prospect and
salary.
2. If i wanna be an investment banker, which would be more relevant? and which would be a more versatile degree which opens up more future?
3. And if i were to go for Actuarial Science, which would be a better option as a bachelor degree? (from what i found Actuarial Science is only offered as a postgraduate course)

Constructive critisms are welcomed, thnx

INti(Jan) vs Taylors(July)

sywz.forp — Wed, 27 Mar 2013 11:54:12 +0800

I am offered the KPM bursary and I would like to know dear sifus' opinions here about whether i should go for Taylors July intake or continue my Inti Jan intake as i live in penang. Please share the pros and cons, thnx

KPM BURSARY 2013

sywz.forp — Mon, 25 Mar 2013 10:24:22 +0800

http://apps.moe.gov.my/bursaryspm/

1. so what courses do you guys wanna take after recieving this bursary?

2. if you're currently in jan intake, feel free to give ur opinions bout ur college and course

3. Congratz!

Improve your strength or weakness?

sywz.forp — Wed, 06 Feb 2013 21:35:12 +0800

All of us have our strength and weakness, (eg. good/weak in maths, memorizing stuffs, socializing, sports) and to be honest if you were to work extra hard to chase up with others u might be wearing urself off and still have a great gap with those born good at it,
so, my question is whether we should spend our time on our strength and neglect our weakness or vice versa (or doing both)?
Do give ur opinions

Maths help

sywz.forp — Sat, 02 Feb 2013 17:47:29 +0800

for the equation
y=(x^2-2x+1)/(x^2-1)
when x=1, the denominator is zero, so y should approach infinity (correct me if i am wrong)
yet when y=0, x=1,
can anyone explain this? so should there be a point at x=1?

need help in choosing the right path

sywz.forp — Mon, 28 Jan 2013 11:36:32 +0800

i am currently studying a-levels, (i pay month by month) and i applied for matriculations (the malaysia one, most probably would get it)
and after doing some research, i found out that the cost for a bachelor's degree in engineering for most universities (aiming for top ranking ones) is at least rm600k (including living cost), whereas local public universities cost around rm50k (even less than that)
Reasons to study in overseas universities
-more prestigious
-higher quality of students (i perform better when i am with better ppl)

please give some advices on the following options and share any better ones
1. (theres a twinning program for inti-university of new south wales for E&E)
and this is one of my options as it would be much cheaper compared to overseas universities for the whole period

2. other overseas universities such as NUS, university of hong kong and of course maybe even MIT or oxbridge

Reasons to study in local universities
-CHEAPER, MUCH CHEAPER
-maybe still as good
-can go home more frequently (doesnt really matters much)

3. thinking of entering UTM (from what i heard it's the best for engineering and it's a research uni)
and is it true that even u get 4flat in matrics they dont guarantee u to enter the uni and course u want? (if it happens can i apply for other private unis?)
and can i go for a lvls and apply for public unis after that?

4. anyone knows more about twinning programs offered which twins to top-tier universities?
and mind explaining more bout twinning programs? (pros and cons)

Engineers lai lai lai

sywz.forp — Mon, 31 Dec 2012 21:11:47 +0800

Just thought of starting a forum for people who studied or are in engineering related careers to talk about their jobs and salary etc.etc.

a level or matriculations

sywz.forp — Tue, 25 Dec 2012 00:34:42 +0800

I got 8k scholarship for a-levels and the remaining fees are 16k+
I am very confident in getting into kolej matrikulasi.
So, if i go to a-levels and eventually end up in an private university, what's the benefit there?
What's the pros of private university compared to local university?
I can afford but don't get the point of going to a private university which costs up to hundreds of thousands excluding living costs.
please share your two cents