Xiaoheng Yip

Instagram - @xiaohengyip 🇲🇾

[∩ @zachpogrob]

Maniacs, misfits, and makers.

[Xiaoheng Yip @xiaohengyip]

Still we rise!

[eri @hamxnda]

105 wins & 201 podiums.

[Formula 1 @F1]

We think George enjoyed that one! 🤩

#F1 #BelgianGP

[Zaid Ibrahim @zaidibrahim]

CTOS vs Suriati Yusof

She was given damages by the high court when she successfully sued CTOS. Others had grievances against CTOS but did not have the guts to sue. Suriati deserves our praise. I hope she will win again on appeal

CITOS is a wealthy private company owned by rich foreigners and local institutions. They have access to all your data. Data that are usually given to banks and statutory bodies like SSM. But CTOS have them all.

I am just wondering if the Ministry of Finance / Bank Negara ever asked this question: Is it safe and prudent to allow a data collection company with the overreach and power to assess the creditworthiness of all our citizens in the hands of prominent private equity companies like Creador?

If the bank officers and directors ( despite high pay) are not interested in evaluating and assessing their customers' risk but outsource the job to CTOS, then let the govt ensure that only locals can own CTOS. Not foreigners.

The underclass population with low income and low savings rates will never pass the CTO's test. Their score will be in the red zone. Their loans will always be more than their income. CTOS will not give them a second chance

But a responsible government must give all of us a second chance. Loans must be given to those who, despite temporary difficulties ( and inability to pass the CTO's test), have other attributes and potential to make another attempt at success. Many have become successful after many attempts.

But if local lending institutions are too lazy to do their work and depend on foreigners who understand nothing of the socio-economic background of their customers ( except numbers) to decide if financial help should be extended, then the poverty cycle will never be broken

That’s why I urge our Parliamentarians to pass a law mandating the govt to set up more lending institutions where the decision to extend credit should be left to the individual bank. Let there be real competition. If Singapore can have 200 banks, why do we have only 25? And why the banks must be dictated by foreign-owned credit assessors like CTOS.

The rich's monopoly and vast networking must be broken if ordinary Malaysians hope for a second chance. Shockingly, the Bumiputra Congress did not see this

[Xiaoheng Yip @xiaohengyip]

Ok now that’s some news

[Fastest Pitstop @FastestPitStop]

⚠️ | Toto Wolff has had a meeting with Jos Verstappen in the Bahrain paddock. When asked about the possibility of Verstappen joining Mercedes in 2025, Wolff responded: “Anything is possible.”

This comes after reports that Jos Verstappen said that the Red Bull team could “explode”, and it is “in danger of being torn apart” if Christian Horner stays on as team principal.

#F1

[McLaren Mastercard Formula 1 Team @McLarenF1]

Everyone at McLaren Racing is shocked and deeply saddened to learn we have lost a beloved member of our McLaren family.

We send our deepest condolences to Gil de Ferran’s family, friends and loved ones.

[Xiaoheng Yip @xiaohengyip]

My write up on the recent Court of Appeal decision in JSB v ACSB

[Xiaoheng Yip @xiaohengyip]

Selecting a Minister based on merits! Kita boleh!

[CodeBlue @codebluenews]

BREAKING:

Kuala Selangor MP Dzulkefly Ahmad returns as Health Minister in a Cabinet reshuffle today, replacing Dr Zaliha Mustafa -- a first-term MP representing Sekijang in Johor -- who was appointed Minister in the Prime Minister's Department (Federal Territories).

"Experience is needed," PM Anwar tells reporters about the health portfolio change.

"I believe that stronger focus needs to be placed on the ministry. The Health Ministry is burdened with lots of problems -- some of it inherited, and some of it to fulfil public demand for better quality health care services. We hope that he (Dr Dzul) will be able to perform his duties well."

Dzulkefly, a three-term MP, was previously health minister in Dr Mahathir Mohamad's Cabinet from 2018 to 2020.

Lukanisman Awang Sauni remains Deputy Health Minister.

https://t.co/2z71b80WiG

[Xiaoheng Yip @xiaohengyip]

Giving thanks to Josef Falkensköld for all the music. This year I couldn't stop listening to The Good Fight. #SpotifyWrapped https://t.co/uwv9mPFHKB

[Xiaoheng Yip @xiaohengyip]

Sepang, Malaysia for sure!

[formularacers @formularacers_]

Which circuit would you bring back to F1?

🇲🇾 Sepang, Malaysia
🇩🇪 Hockenheim, Germany
🇹🇷 Istanbul, Turkey
🇰🇷 Korea International, South Korea
🇵🇹 Portimao, Portugal

[∩ @zachpogrob]

There’s nothing more devastating than a gifted, obsessed human, who never takes action. It’s not one life wasted. It’s millions of lives left untouched.

[Xiaoheng Yip @xiaohengyip]

None other than Oscar Piastri!!

[Motorsport @Motorsport]

Who do you think has been the standout F1 driver in 2023? 🤔

[Xiaoheng Yip @xiaohengyip]

Output matters more than time keeping!

[Xiaoheng Yip @xiaohengyip]

You thought I really give a F about it? Rules are meant to be broken and be flexible about, if you're gonna be rigid about it, what's life all about?

[Xiaoheng Yip @xiaohengyip]

@dylanlimmunkeat Apasal boss?

[Paul Tan's Automotive News @paultan]

YDPA Al-Sultan Abdullah Ri’ayatuddin Al-Mustafa Billah Shah has reminded recipients of Pahang honours and titles to NOT display the emblems on their vehicles. Yup, it's now illegal to have that DIMP crest on your Alphard, Datuk. Full story here

https://t.co/hyqULjJRb1

[Xiaoheng Yip @xiaohengyip]

Challenges force you to discover positive things about yourself that you never knew existed

[Xiaoheng Yip @xiaohengyip]

Thrilled to see McLaren rising again!! Way to go Team

[McLaren Mastercard Formula 1 Team @McLarenF1]

Two trophies. One team. 🧡

#JapaneseGP 🇯🇵

[Xiaoheng Yip @xiaohengyip]

@tristupe so true! beli mahal mahal buat apa

[Xiaoheng Yip @xiaohengyip]

Talent gets you into the game, whereas work ethics makes you a champion