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        <title>Lowyat.NET: Latest topics by Girl0294</title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Thu, 18 Jun 2026 17:00:01 +0800</lastBuildDate>
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        <item>
            <title>PTPTN- PENANGGUHAN</title>
            <link>http://forum.lowyat.net/topic/3018127</link>
            <description>Hey so the closing date of ptptn is next week,&lt;br /&gt;I have borrowed before so I need to fill in the borang penangguhan, my question is on syarat no.4 or 5, we need to sahkan that I am not working, how am I suppose to sahkan? &lt;br /&gt;&amp;quot;5. Surat pengesahan tidak bekerja dari pegawai kerajaan kumpulan pengurusan dan profesional/ &lt;br /&gt;penyata KWSP terkini &amp;quot;&lt;br /&gt;Where am I suppose to go?&lt;br /&gt;&lt;br /&gt;Another thing is , i have not submitted my borang penangguhan, can i buy the pin number from BSN and apply online for loan and submit this borang penangguhan next week? &lt;br /&gt;or should i do this borang penangguhan thing first?</description>
            <author>Girl0294</author>
            <category>Serious Kopitiam</category>
            <pubDate>Mon, 04 Nov 2013 12:49:50 +0800</pubDate>
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            <title>Penangguhan PTPTN</title>
            <link>http://forum.lowyat.net/topic/3018123</link>
            <description>Hey so the closing date of ptptn is next week,&lt;br /&gt;I have borrowed before so I need to fill in the borang penangguhan, my question is on syarat no.4 or 5, we need to sahkan that I am not working, how am I suppose to sahkan? &lt;br /&gt;&amp;quot;5. Surat pengesahan tidak bekerja dari pegawai kerajaan kumpulan pengurusan dan profesional/ &lt;br /&gt;penyata KWSP terkini &amp;quot;&lt;br /&gt;Where am I suppose to go?&lt;br /&gt;&lt;br /&gt;Another thing is , i have not submitted my borang penangguhan, can i buy the pin number from BSN and apply online for loan and submit this borang penangguhan next week? &lt;br /&gt;or should i do this borang penangguhan thing first?&lt;br /&gt;</description>
            <author>Girl0294</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Mon, 04 Nov 2013 12:47:27 +0800</pubDate>
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            <title>FINANCE?</title>
            <link>http://forum.lowyat.net/topic/2944890</link>
            <description>HI&lt;br /&gt;1st: WHY /K/ forum? because the EE forum is dead.&lt;br /&gt;&lt;br /&gt;so I am planning to further my studies in bachelors in finance&lt;br /&gt;at first i wanted finance and economics, but then MMU MLAKA have finance and banking,&lt;br /&gt;now, they do not offer that course for october intake  &lt;!--emo&amp;:cry:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/cry.gif' border='0' style='vertical-align:middle' alt='cry.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;so its only bach in finance in mmu and uniten &lt;br /&gt;I could have taken accounting but its a 4yr course and its pretty boring for me &lt;br /&gt;I dont know which one is the best, pls help :&amp;#39;(&lt;br /&gt;&lt;br /&gt;1. Can I enter auditing dept with a finance degree?&lt;br /&gt;2. Bis Information system degree better or degree in finance?</description>
            <author>Girl0294</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Mon, 02 Sep 2013 15:23:43 +0800</pubDate>
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            <title>finance  or finance and banking?</title>
            <link>http://forum.lowyat.net/topic/2944852</link>
            <description>HI,&lt;br /&gt;so I am planning to further my studies in bachelors in finance&lt;br /&gt;at first i wanted finance and economics, but then MMU MLAKA have finance and banking,&lt;br /&gt;now, they do not offer that course for october intake  &lt;!--emo&amp;:cry:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/cry.gif' border='0' style='vertical-align:middle' alt='cry.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;so its only bach in finance in mmu and uniten &lt;br /&gt;MSU has investment management but i didnt take it because it was a new course but anyhow the syllabus is same as finance  &lt;!--emo&amp;:stars:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/rclxub.gif' border='0' style='vertical-align:middle' alt='rclxub.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;I could have taken accounting but its a 4yr course and its pretty boring for me &lt;br /&gt;I dont know which one is the best, pls help :&amp;#39;(&lt;br /&gt;Can I enter auditing dept with a finance degree?</description>
            <author>Girl0294</author>
            <category>Jobs &amp;amp; Careers</category>
            <pubDate>Mon, 02 Sep 2013 14:58:46 +0800</pubDate>
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        <item>
            <title>INTI SUBANG VS APIIT</title>
            <link>http://forum.lowyat.net/topic/2934518</link>
            <description>Hi, &lt;br /&gt;So I got an offer from Inti, APIIT and taylors...&lt;br /&gt;Which is the best business school ?&lt;br /&gt;Taylors is way too expensive :&amp;#39;( but i knw its d best among all&lt;br /&gt;MMU I wanted to apply but degree for business nt many options.. &lt;br /&gt;Bachelors in ACC or B in Finance... &lt;br /&gt;I prefer like we have both acc and finance sort of like that...&lt;br /&gt;INTI NILAI is flooded with negros right? heard alot of cases there</description>
            <author>Girl0294</author>
            <category>Education Essentials</category>
            <pubDate>Sat, 24 Aug 2013 12:21:02 +0800</pubDate>
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            <title>REBONDING + COLOURING</title>
            <link>http://forum.lowyat.net/topic/2931782</link>
            <description>Hi /k/&lt;br /&gt;Since you guys all not yet sleep, I would like to ask those who know abt hair issues...&lt;br /&gt;I went to my hairstylist yesterday and told her that Ill be coming today to rebond and colour my hair, and asked her if its possible 2 do both on d same day&lt;br /&gt;Her answer was YES, honestly i was abit shocked and worried now coz i dont knw if tht will damage my hair &lt;!--emo&amp;-_---&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/sleep.gif' border='0' style='vertical-align:middle' alt='sleep.gif' /&gt;&lt;!--endemo--&gt;&lt;br /&gt;Plus the last i did rebonding thy advised me nt 2 wet my hair for 3days.. so how can they colour my hair now? very the blur... &lt;!--emo&amp;:stars:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/rclxub.gif' border='0' style='vertical-align:middle' alt='rclxub.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>Girl0294</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Thu, 22 Aug 2013 00:52:13 +0800</pubDate>
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            <title>REBONDING + COLOURING</title>
            <link>http://forum.lowyat.net/topic/2931768</link>
            <description>Hi, so I went to my hairstylist today and asked her if i can rebond and colour my hair right away o not...&lt;br /&gt;she said you can, honestly i was abit surprised, because the last i did rebonding they advised me not to wet my hair for 3days at least, so how can she colour my hair right away if you cant wet your hair after rebonding? wouldnt it just damage my hair more? and dry up my hair ?  &lt;!--emo&amp;:hmm:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/hmm.gif' border='0' style='vertical-align:middle' alt='hmm.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>Girl0294</author>
            <category>Health &amp;amp; Fitness</category>
            <pubDate>Thu, 22 Aug 2013 00:35:05 +0800</pubDate>
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        <item>
            <title>REBONDING + COLOURING</title>
            <link>http://forum.lowyat.net/topic/2931767</link>
            <description>Hi, so I went to my hairstylist today and asked her if i can rebond and colour my hair right away o not...&lt;br /&gt;she said you can, honestly i was abit surprised, because the last i did rebonding they advised me not to wet my hair for 3days at least, so how can she colour my hair right away if you cant wet your hair after rebonding? wouldnt it just damage my hair more?</description>
            <author>Girl0294</author>
            <category>Girl&amp;#39;s Club</category>
            <pubDate>Thu, 22 Aug 2013 00:33:02 +0800</pubDate>
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        <item>
            <title>MMU VS UTAR</title>
            <link>http://forum.lowyat.net/topic/2930307</link>
            <description>To cut short -&lt;br /&gt;MMU OR UTAR BETTER FOR BUSINESS DEGREE?&lt;br /&gt;U CAN ALSO ADD OTHER UNIS, I KNOW SUNWAY IS ONE - BUT EXPENSIVE  &lt;!--emo&amp;:cry:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/cry.gif' border='0' style='vertical-align:middle' alt='cry.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;IM GONNA TAKE PTPTN, YES I&amp;#39;d DIE WHEN I START WORKIN, BUT FOR NOW...&lt;br /&gt;IM IN A DILEMMA, WHICH IS A BETTER UNI? WHICH ONE CAN GET JOB FAST&lt;br /&gt;&lt;br /&gt;BUSINESS BEST DEGREEs?&lt;br /&gt;PLANNING 2 TAKE FINANCE</description>
            <author>Girl0294</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Tue, 20 Aug 2013 21:26:23 +0800</pubDate>
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        <item>
            <title>the difference in benefits of qualifications</title>
            <link>http://forum.lowyat.net/topic/2907987</link>
            <description>All I would want to ask is what is the difference of having a:&lt;br /&gt;1. DIPLOMA FIRST THEN DEGREE&lt;br /&gt;2. ONLY BACHELORS(DEGREE)&lt;br /&gt;&lt;br /&gt;in future in terms of job oppurtunities?</description>
            <author>Girl0294</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Thu, 01 Aug 2013 01:50:55 +0800</pubDate>
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        <item>
            <title>MSU?</title>
            <link>http://forum.lowyat.net/topic/2878367</link>
            <description>MSU vs MANIPAL (NILAI)&lt;br /&gt;which is better? &lt;br /&gt;for business studies  &lt;!--emo&amp;:stars:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/rclxub.gif' border='0' style='vertical-align:middle' alt='rclxub.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>Girl0294</author>
            <category>Education Essentials</category>
            <pubDate>Tue, 09 Jul 2013 12:40:04 +0800</pubDate>
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        <item>
            <title>DECISION SCIENCE?</title>
            <link>http://forum.lowyat.net/topic/2878335</link>
            <description>Afternoon kopitiamers &amp;#33;&lt;br /&gt;Anyone here know which field is better in career? &lt;br /&gt;DECISION SCIENCE or FINANCE?&lt;br /&gt;ps: the job which gives u friggin good money&amp;#33; &lt;!--emo&amp;:thumbs:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/thumbup.gif' border='0' style='vertical-align:middle' alt='thumbup.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;fresher here  &lt;!--emo&amp;:blink:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/blink.gif' border='0' style='vertical-align:middle' alt='blink.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>Girl0294</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Tue, 09 Jul 2013 12:09:42 +0800</pubDate>
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        <item>
            <title>I NEED YOUR HELP</title>
            <link>http://forum.lowyat.net/topic/2877791</link>
            <description>HALLO....&lt;br /&gt;So I applied MSU because my lecturer said its one of the top unis in msia, and i know there are gonna be ppl saying its a useless uni and so, but honestly how good you are, there will still be people degrading you...&lt;br /&gt;Well anyway, I chose MSU because MSU offers interesting bis courses like&lt;br /&gt;1. bachelor in investment management&lt;br /&gt;2. bachelor in finance&lt;br /&gt;3 b in law and commerce&lt;br /&gt;4. industrial management etc. etc&lt;br /&gt;&lt;b&gt;SO, my first choice is INVESTMENT MANAGEMENT&lt;br /&gt;I need your advice whether should I take up this course in terms of GOOD MONEY and interesting job not boring like marketing and management... -__-&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;ALSO ALSO ALSO I have applied for manipal intl uni in nilai for bis admin(finance) and international bis&lt;br /&gt;thy r also offering ACTURIAL FINANCE, what is d diff between finance and science in acturial ?&lt;br /&gt;Is law and commerce a better course than investment management? Im a fresher, naturally i have alot of questions pls assist me senioritas &lt;!--emo&amp;:)--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/smile.gif' border='0' style='vertical-align:middle' alt='smile.gif' /&gt;&lt;!--endemo--&gt;&lt;br /&gt;ps: reason why m posting ths on kopitiam is bcoz the education forum is not really super active :/&lt;/b&gt;</description>
            <author>Girl0294</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Mon, 08 Jul 2013 22:01:50 +0800</pubDate>
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            <title>MSU, which course should I take?</title>
            <link>http://forum.lowyat.net/topic/2870257</link>
            <description>HALLO....&lt;br /&gt;So I applied MSU because my lecturer said its one of the top unis in msia, and i know there are gonna be ppl saying its a useless uni and so, but honestly how good you are, there will still be people degrading you...&lt;br /&gt;Well anyway, I chose MSU because MSU offers interesting bis courses like&lt;br /&gt;1. bachelor in investment management&lt;br /&gt;2. bachelor in finance&lt;br /&gt;3 b in law and commerce&lt;br /&gt;4. industrial management etc. etc&lt;br /&gt;SO, my first choice is INVESTMENT MANAGEMENT&lt;br /&gt;&lt;b&gt;I need your advice whether should I take up this course in terms of GOOD MONEY and interesting job not boring like marketing and management... -__-&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;ALSO ALSO ALSO I have applied for manipal intl uni in nilai for bis admin(finance) and international bis&lt;br /&gt; thy r also offering ACTURIAL FINANCE, what is d diff between finance and science in acturial ?&lt;!--emo&amp;-_---&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/sleep.gif' border='0' style='vertical-align:middle' alt='sleep.gif' /&gt;&lt;!--endemo--&gt;&lt;/b&gt;</description>
            <author>Girl0294</author>
            <category>Education Essentials</category>
            <pubDate>Tue, 02 Jul 2013 14:33:43 +0800</pubDate>
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        <item>
            <title>MSU, which course should I take?</title>
            <link>http://forum.lowyat.net/topic/2870252</link>
            <description>HALLO....&lt;br /&gt;So I applied MSU because my lecturer said its one of the top unis in msia, and i know there are gonna be ppl saying its a useless uni and so, but honestly how good you are, there will still be people degrading you...&lt;br /&gt;Well anyway, I chose MSU because MSU offers interesting bis courses like&lt;br /&gt;1. bachelor in investment management&lt;br /&gt;2. bachelor in finance&lt;br /&gt;3 b in law and commerce&lt;br /&gt;4. industrial management etc. etc&lt;br /&gt;SO, my first choice is INVESTMENT MANAGEMENT&lt;br /&gt;&lt;b&gt;I need your advice whether should I take up this course in terms of GOOD MONEY and interesting job not boring like marketing and management... -__-&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;ALSO ALSO ALSO I have applied for manipal intl uni in nilai for bis admin(finance) and international bis&lt;br /&gt; thy r also offering ACTURIAL FINANCE, what is d diff between finance and science in acturial ?&lt;!--emo&amp;-_---&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/sleep.gif' border='0' style='vertical-align:middle' alt='sleep.gif' /&gt;&lt;!--endemo--&gt;&lt;/b&gt;</description>
            <author>Girl0294</author>
            <category>Education Essentials</category>
            <pubDate>Tue, 02 Jul 2013 14:31:02 +0800</pubDate>
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        <item>
            <title>ISU PTPTN</title>
            <link>http://forum.lowyat.net/topic/2810270</link>
            <description>Im very new, pls guide and help.&lt;br /&gt;tq.&lt;br /&gt;Here&amp;#39;s my story&lt;br /&gt;I wanna stop frm Kolej A and wanna go to Kolej B(NT YET APPLY) &lt;br /&gt;so skarang ni sye tengah buat foundation in bis kat kolej a ,final sem..&lt;br /&gt;tdy i went and ask d management hw abt ptptn kalau nk berhenti and sambung kat kolej lain&lt;br /&gt;so management said,&lt;b&gt; u must pay the amount ptptn hv paid for you first then only you can sambung kolej lain. IS THIS TRUE?&lt;/b&gt;&lt;br /&gt;but then skarang nie i amik HND kt kolej nie, so sye tnye kalau sye nk tukar to degree mcm mane? she said&lt;b&gt; fr our college ade &amp;#39;special case&amp;#39;&lt;/b&gt;&lt;br /&gt;which is, &lt;b&gt;you x payah bayar wang ptptn u, hanye kena bayar slps habis mase u dh start kerja..&lt;/b&gt;&lt;br /&gt;banyak cantik untok kolej tu ade pulak SPECIAL CASE, tapi kalau nk sambung kt kolej lain cannot...&lt;br /&gt;IS THIS TRUE that i kena bayar amount ptptn sblm sambung kolej lain?&lt;br /&gt;my amount rm12k, no outstanding kat kolej.. tapi ape kejadahnye ade special case bagai nie..&lt;br /&gt;benda same je kalau nk sambung kat kolej lain kan?&lt;br /&gt;i x suka kolej ni, makan duit bnyk sgt &amp;#33;&amp;#33;&amp;#33; linton university, legenda education grp MAKAN DUIT i nie already nt frm a rich family&lt;br /&gt;i dont think wht thy r saying is true, at least i hope it is nt true.. i cn always sambung my ptptn in another college and pay to them once i start working right?&lt;br /&gt;PLS HELP FOR THOSE WHO HAVE EXPERIENCE IN THIS.. PLS.. :&amp;#39;(&lt;br /&gt; &lt;!--emo&amp;:cry:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/cry.gif' border='0' style='vertical-align:middle' alt='cry.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:cry:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/cry.gif' border='0' style='vertical-align:middle' alt='cry.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:cry:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/cry.gif' border='0' style='vertical-align:middle' alt='cry.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:cry:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/cry.gif' border='0' style='vertical-align:middle' alt='cry.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:cry:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/cry.gif' border='0' style='vertical-align:middle' alt='cry.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:cry:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/cry.gif' border='0' style='vertical-align:middle' alt='cry.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;</description>
            <author>Girl0294</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Mon, 13 May 2013 14:21:49 +0800</pubDate>
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