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        <title>Lowyat.NET: Latest topics by alpacino77</title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Tue, 09 Jun 2026 18:46:11 +0800</lastBuildDate>
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        <item>
            <title>Question about KWSP</title>
            <link>http://forum.lowyat.net/topic/5419290</link>
            <description>Hi ktards, I would like to know if someone retires at 60, can they still keep their money in KWSP and just withdraw the dividend every year? Will the dividend % be the same for everyone? Is there any special condition? If I understand correctly, after 55 your funds will be moved from Acc 1 and Acc 2 to Acc Emas. Does this Acc Emas have any difference in terms of receiving dividends?&lt;br /&gt;&lt;br /&gt;Thank you all for your valuable input. &lt;!--emo&amp;:respect:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/notworthy.gif' border='0' style='vertical-align:middle' alt='notworthy.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:respect:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/notworthy.gif' border='0' style='vertical-align:middle' alt='notworthy.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>alpacino77</author>
            <category>Kopitiam</category>
            <pubDate>Wed, 08 Nov 2023 16:34:08 +0800</pubDate>
        </item>
        <item>
            <title>do you think gold price will go down?</title>
            <link>http://forum.lowyat.net/topic/5083617</link>
            <description>since mco gold price shoot up like crazy. i remember in 2019 dec when i bought jewelry it was only 196 per gram. now turun liao but still around 245. during mco many ppl stock up on gold and made the price rise. do you guys think since many ppl got ready cash , they will be buying gold and the price will go up and up more?</description>
            <author>alpacino77</author>
            <category>Kopitiam</category>
            <pubDate>Thu, 07 Jan 2021 01:28:44 +0800</pubDate>
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        <item>
            <title>I-SINAR question. Expert please come in.</title>
            <link>http://forum.lowyat.net/topic/5066881</link>
            <description>If lets say I was jobless since end of march but got a job during end of july, hence my EPF statement would show blank during May, June and July, based on the highlight can be eligible to withdraw or since it says &amp;#39;dua bulan berturut-turut semasa permohonan&amp;quot;, i must be jobless at least since oct?? &lt;br /&gt;&lt;br /&gt;&lt;a href='https://pictr.com/image/7fNUpn' target='_blank'&gt;&lt;img src='https://pictr.com/images/2020/12/03/7fNUpn.md.png' border='0' alt='user posted image' /&gt;&lt;/a&gt;</description>
            <author>alpacino77</author>
            <category>Kopitiam</category>
            <pubDate>Thu, 03 Dec 2020 01:26:37 +0800</pubDate>
        </item>
        <item>
            <title>anwar aljuburi</title>
            <link>http://forum.lowyat.net/topic/4913158</link>
            <description>from lastime this coalition never been stable. first break up with pas, now involve with another break up. drama here and there. all because of this 1 pundek. lastime langkah kajang la this la that la. talk so much 1 shit also cnt do.&lt;br /&gt;&lt;br /&gt;i was so hopeful when new gov took over. i guess majority of malaysians were. new hopes were born. but now, pthuii.&lt;br /&gt;&lt;br /&gt;i hope anwar masuk jel and never comes out. fark this chibai assbanger.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;*done rant*</description>
            <author>alpacino77</author>
            <category>Kopitiam</category>
            <pubDate>Thu, 27 Feb 2020 16:04:46 +0800</pubDate>
        </item>
        <item>
            <title>Pakatan Harapan or Muafakat Nasional</title>
            <link>http://forum.lowyat.net/topic/4912972</link>
            <description>bincangkan</description>
            <author>alpacino77</author>
            <category>Kopitiam</category>
            <pubDate>Thu, 27 Feb 2020 11:26:28 +0800</pubDate>
        </item>
        <item>
            <title>I happy now Rayer can shut up</title>
            <link>http://forum.lowyat.net/topic/4910744</link>
            <description>always banyak bunyi in the parliament. i really feel so irritated with him. thank god now he can shut up and not make so much of noise anymore.</description>
            <author>alpacino77</author>
            <category>Kopitiam</category>
            <pubDate>Mon, 24 Feb 2020 11:49:40 +0800</pubDate>
        </item>
        <item>
            <title>Hatyai or dannok</title>
            <link>http://forum.lowyat.net/topic/4898341</link>
            <description>Very long never travel to border since always going to main cities. Just thought of going away for a quick weekend since still at perak. My family house 2 hrs away from border nia if drive.&lt;br /&gt;&lt;br /&gt;So for those who recently went, how is the scene now? Which place better to visit?&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('df1725d7925bdc23c5d01fb1db9df008')&quot; style=&quot;font-weight: bold&quot;&gt;&lt;u&gt;&amp;raquo; Click to show Spoiler - click again to hide... &amp;laquo;&lt;/u&gt;&lt;/div&gt;&lt;div class=&quot;spoilermain&quot; id=&quot;df1725d7925bdc23c5d01fb1db9df008&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;&lt;a href='https://pictr.com/image/5T4jOJ' target='_blank'&gt;&lt;img src='https://pictr.com/images/2020/01/29/5T4jOJ.md.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;</description>
            <author>alpacino77</author>
            <category>Kopitiam</category>
            <pubDate>Wed, 29 Jan 2020 20:39:12 +0800</pubDate>
        </item>
        <item>
            <title>what tablet you can suggest?</title>
            <link>http://forum.lowyat.net/topic/4889338</link>
            <description>hi guys, i would like to buy a tablet just to watch netflix(movies or show already downloaded) while travelling on bus or train. looking for a budget tablet only thing i need is need to be HD la atleast. other stuff not important. which one can you guys suggest for me? tq.</description>
            <author>alpacino77</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Thu, 09 Jan 2020 13:10:44 +0800</pubDate>
        </item>
        <item>
            <title>ACCA</title>
            <link>http://forum.lowyat.net/topic/4863724</link>
            <description>thanks for all the questions replied for acca.</description>
            <author>alpacino77</author>
            <category>Education Essentials</category>
            <pubDate>Tue, 12 Nov 2019 15:18:38 +0800</pubDate>
        </item>
        <item>
            <title>want to settle credit card</title>
            <link>http://forum.lowyat.net/topic/4186715</link>
            <description>Hi all, I was adviced by my friend to ask here for opinions. Hope some of you here can advice me.&lt;br /&gt;a couple of years back, i had a credit card with UOB. young and foolish, used it but never paid. limit was 4k.&lt;br /&gt;i know it is my stupidity, but now i am wanting to resolve it. also I have a loan with rhb not settled 2 years back also. balance about 2600. and a black list with digi. I believe I am already in the ccris list, and would really like to get out of this mess. i was young back then hence was a fool to do all that. my question is what could be the best way for me to go about this? I have a hire purchase loan with Ambank that I pay without fail every month. will there &lt;br /&gt;be any chance of me getting a 10k loan from them to settle off my debts and pay to them alone? I do have a bank account with them which has money moving through as well. any idea or advice would be much appreciated.</description>
            <author>alpacino77</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Tue, 31 Jan 2017 17:51:47 +0800</pubDate>
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