Lowyat.NET: Latest topics by cklimm

Roti Babi

cklimm — Mon, 20 Oct 2025 17:17:08 +0800

Back then I used to makan in Penang as a kid, but nowadays I dont see them anymore.

Oh the crispy outershell and the juicy content, Where are they hiding?

Parameswara and 6 nabbed

cklimm — Sat, 16 Oct 2021 20:40:20 +0800

VIJAYAWADA: Prakasam police on Sunday arrested seven persons for stealing shrimps from various places in the district.
The accused are L Parameswara Rao, C Srinu, C Yesuratnam, B Srinivasarao, R Chejarlarao, C Anjaneyulu and N Gouru Naidu.
Police said the accused used to do recce of shrimp tanks in the day and steal them at night. The shrimp was sold in markets at Ongole and Guntur.

sos
https://timesofindia.indiatimes.com/city/vi...ow/86536955.cms

Do we still need to apply travel permit

cklimm — Sun, 15 Aug 2021 17:48:52 +0800

My son asks me that his developer in Setapak called to collect his key, does police travel permit is required?
We live in Kepong, and it is well beyond 10km.

Are unit trust holders taxed twice?

cklimm — Mon, 12 Jul 2021 09:50:57 +0800

Update:
From SM Thanneermalai:

The unit trust holder will not be taxed twice . The dividend received by the unit trust will exempt from Tax at the unit trust level. When the unit trust distributes such income , it will be distributed as exempt income and not taxable in the level of the unit holder .

Therefore no double taxation

Earlier:

Saw someone asking this on Reddit:

Under the Income Tax Act 1967, the unit trust will pay the tax on the income earned during the tax year at the rate of 24%.

So, lets say the listed companies are already paying 24% corporate tax, and the unit trusts that bought the companies shares are paying another 24%,

If so, aren't the unit trust holders being taxed twice?

Are we better off buying blue-chips ourselves?

Sos: https://www.thesundaily.my/business/tax-mat...taxed-CF8052150

Mana datangnya kuda

cklimm — Sun, 01 Nov 2020 10:47:59 +0800

A horse is a horse of course, and a car by any other name would still be a horseless carriage.
But go back long enough, and 'horse' and 'car' derive from the same Proto-Indo-European root word.

sos: https://www.facebook.com/VeryStrangeMaps/ph...06602309475498/

Tekak gatal dan batuk

cklimm — Tue, 24 Mar 2020 19:31:43 +0800

One week stayed at home, I found there's some itch with my throat and result in coughing. The temperature is normal though.

Heard we cant go to clinic/ hospital straightaway, what is the proper procedure to test?

Best ewallet to top up Starbucks card

cklimm — Fri, 27 Dec 2019 11:07:18 +0800

While Starbucks card considered an ewallet by its own, which ewallet rewards the most for topping it up?
touch n go? grab? boost? wechatpay?

Bonuslink Fraud?

cklimm — Tue, 17 Dec 2019 20:49:23 +0800

Okay, long story short, my Bonuslink card with 4.7k points lies in my wallet all these time, and just now I received an email from Bonuslink:

Thank you for redeeming via BonusLink On-The-Spot at Shell Malaysia (THEEN FATT SDN BHD 2) - 2527.

Your redemption reference number is 13790866. Please use this reference for future enquiries.

This transaction has been successfully posted for the following gift(s):

Date Gift Code Qty Gift Description
------------------------------------------------------------------------------------------------------

17-Dec-2019, 08:26 PM 042-036-177 1 Shell RM7 Voucher

17-Dec-2019, 08:26 PM 042-036-164 4 Shell RM10 Voucher

Note: I have never been to Puchong for almost a decade.
Who should I complaint to should they refuse to give my hard earned points back?
KPDNKK? SKMM? BNM?

Should I quit the MBA?

cklimm — Tue, 12 Nov 2019 10:11:12 +0800

Although managed to survive through the blood bath and gain a foothold in Chinaman Berhad,
Unker is stuck with his MBA thesis, 3rd time kena denied from submision.

Unker feels like a loser in academia.

Should unker just fallback and focus to his core business?

Update: The thesis has been passed with distinction, and unker is now a Chinaman MBA.

Top up with UnionPay

cklimm — Fri, 16 Aug 2019 11:28:42 +0800

Long story short, unker wants to have a free Tealive by topping up an ewallet, which can be later used for other purposes.
Which ewallet allows this? Wechat pay tak boleh.

Paypal MY to SG

cklimm — Sun, 04 Nov 2018 09:55:43 +0800

Unker has some Sgd balance with Paypal Malaysia wallet, unker has a Singapore Maybank account.
Unker wants to transfer the said Sgd balance to M2u.sg.

But, Paypal Malaysia balance can only withdraw to Malaysian and US banks.
They told me to 1st withdraw the Sgd balances into RM to my local Maybank, then convert those converted Ringgit into Sgd again at local Maybank then TT to Sg.

SGD> MYR> SGD, is there any smarter idea than this?

EPF overfilled

cklimm — Wed, 29 Aug 2018 16:20:29 +0800

Long story short, without knowing already done 40k in last few months, unker deposited another 25k for self contribution in EPF.
As epf has a limit of 60k for self contribution a year, what will happen to the excess 5k?

Yes, unker has written em an email, along with FB message, guess it will take forever to replied.

Paying mortgage using ASNB dividend

cklimm — Mon, 26 Feb 2018 20:23:25 +0800

Unker wants to buy a property costs RM300k,

Instead of withdrawing funds, unker found the 6% annual dividend of 267k ASNB can actually pays his monthly installments, yet having a small balance to continue earns dividend.

Mechanism: 4.55% loan, 33 years tenure, 89% financing (267k), monthly installment 1303.
Withdraw 1303 from ASNB every 1st of each month to pay installments, remaining balance continue to earns 6.5% per annum.

Upon checking using calculator unker found that, 33 years later, unker not only will have a fully paid house, somemore with an ASNB balance close to 400k!

[attachmentid=9619394]

Is that too good to be true, has unker missed out anything?

Pass without credit

cklimm — Fri, 21 Jul 2017 10:15:37 +0800

Hi guys,

Unker signed up for online MBA recently, and got 64 marks for managerial accounting.
As the passing grade is 50-64, and 65 for credit,
what will happen to those passed without credit?
Unker is too old and lazy to retake.

Poll: How much FD you kept in portfolio?

cklimm — Sat, 08 Jul 2017 13:58:02 +0800

Unker has just placed a chunk of money in HLB FD, for some weird reasons, unker feel remorse after the placement.
Did I kept too much in cash? How are the other unkers arrange their portfolio? [@bbgoat] [@gchowyh] [@Human Nature] [@kochin] [@Bonescythe]

*unsolicited pm will not be entertained*

[attachmentid=8952509]

HLFG rights issue

cklimm — Sun, 08 Nov 2015 23:40:03 +0800

Hong Leong Financial Group (HLFG 1082) is announcing their rights issue, and they posted their RSF and prospectus too.

http://www.bursamalaysia.com/market/listed...cements/4913497

After a brief scan, i found that they ain't mention the eRights which saves me all the hassles.

Is that means, I have to buy one hasil stamp, 2 banker cheques- 1 for acceptance, 1 for excess then?

Any PRS provider accepts credit card?

cklimm — Tue, 13 Oct 2015 08:29:14 +0800

My bank is having another promo, which is RM150 cashback for RM2000 swipe, i dont want to miss this free money.
After several researches, i found that PRS can be the most desirable plan, swipe 2000, cash back 150= immediate 7.5% gain.

But the problem is, which bank/investment house allows us to swipe card for PRS like buying insurance?

Touch N Go balance can withdraw?

cklimm — Tue, 14 Jul 2015 22:55:38 +0800

Guys, I have a HSBC card just approved recently, and was told that i can have RM200 cash back for swiping RM1500.

So, can i reload RM1500 into touch and go card, then ask for refund?

Then i will have RM1700 cash in hand

Buying Car, loan vs cash

cklimm — Mon, 27 Apr 2015 10:29:18 +0800

Ok, here's the situation:

I have RM 35k on hand, planning to buy an Axia, and informed that the car loan is only 2.9%p.a!
So does it feasible to apply for loan, and leave the cash in bank's FD to earn 4% a year, then pay the loan slowly?

HSBC Advance vs Maybank Aspire vs CIMB Prime

cklimm — Tue, 06 Jan 2015 23:59:54 +0800

Guys,
i have been dreaming for a "classy" bank account for years, i.e priority queing, free parking+coffee,
however my asset is right below 200k, well above 50k, the only choices i have are:
HSBC Advance, Maybank Aspire, CIMB Prime, Alliance Personal
Sifus, do share your experiences about the products above, feel free to tell me if there are better choices around