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        <title>Lowyat.NET: Latest topics by Avonseller</title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Fri, 06 Nov 2026 07:06:10 +0800</lastBuildDate>
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            <title>Cross eyes baby</title>
            <link>http://forum.lowyat.net/topic/4563447</link>
            <description>Anyone experience with cross eyes baby? &lt;br /&gt;Usually how long to recover? &lt;br /&gt;My bb is 11 months old and the paediatrician &lt;br /&gt;suggest an operation</description>
            <author>Avonseller</author>
            <category>Pregnancy &amp;amp; Parenting</category>
            <pubDate>Fri, 13 Apr 2018 18:57:42 +0800</pubDate>
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            <title>Business and God</title>
            <link>http://forum.lowyat.net/topic/4530252</link>
            <description>I an seeing a lot businessmen pray to God &lt;br /&gt;especially Chinese kopitiam&lt;br /&gt;&lt;br /&gt;I am wondering is it true business will only flourish if praying to God&lt;br /&gt;</description>
            <author>Avonseller</author>
            <category>Serious Kopitiam</category>
            <pubDate>Fri, 23 Feb 2018 16:19:12 +0800</pubDate>
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            <title>Insurance</title>
            <link>http://forum.lowyat.net/topic/4495007</link>
            <description>What is the difference of Deductible insurance and premium insurance?&lt;br /&gt;Cant find much information regarding deductible insurance&lt;br /&gt;</description>
            <author>Avonseller</author>
            <category>Serious Kopitiam</category>
            <pubDate>Sat, 06 Jan 2018 10:26:14 +0800</pubDate>
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            <title>house investment</title>
            <link>http://forum.lowyat.net/topic/4489072</link>
            <description>Hi,&lt;br /&gt;&lt;br /&gt;I do not understand how to profit from house investment&lt;br /&gt;&lt;br /&gt;For an example,&lt;br /&gt;I bought a house RM200k with downpayment  10%&lt;br /&gt;90% loan from the bank (loan duration for 30 years)&lt;br /&gt;So total I need to pay for the house is loan + interest = 325K&lt;br /&gt;&lt;br /&gt;If after 10 years, I would like to sell off the house,&lt;br /&gt;is that means I need to sell at the price higher than 325K &lt;br /&gt;to gain the profit ? &lt;!--emo&amp;:(--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/sad.gif' border='0' style='vertical-align:middle' alt='sad.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;</description>
            <author>Avonseller</author>
            <category>Finance, Business and Investment House</category>
            <pubDate>Thu, 28 Dec 2017 13:46:19 +0800</pubDate>
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            <title>Avon Campaign from 16 Dec 2017 to 31 December</title>
            <link>http://forum.lowyat.net/topic/4480226</link>
            <description>Avon Campaign 24 (16 December 2017 to 31 December 2017 )&lt;br /&gt;&lt;br /&gt;Product Status : New&lt;br /&gt;Shipping Method : Courier Service &lt;br /&gt;&lt;br /&gt;West Malaysia RM 7.00&lt;br /&gt;Sabah RM 13.00 &lt;br /&gt;Sarawak RM 13.00&lt;br /&gt;&lt;br /&gt;Contact : By PM or email to lmkeng57@gmail.com&lt;br /&gt;&lt;br /&gt;1. Item(s) must be returned to us within 7 working days upon receiving your parcel. Any return items received by us after the 7 working days valid period will not be accepted. The valid period of return is based on the Courier Company timestamp that we received.&lt;br /&gt;&lt;br /&gt;2. Please return the item(s) to us via a Courier Service Provider with tracking service (i.e. Poslaju, Skynet, GDEX &amp;amp; etc.). The Shipping Cost will be borne by buyer. &lt;br /&gt;&lt;br /&gt;3. We do not accept exchange of item.&lt;br /&gt;&lt;br /&gt;4. Returns only apply to wrong item delivered or manufacture damaged item. Please note that attributes such as measurement variations between 0.5cm to 0.75cm, loose threads, or color variance due to differing monitor resolutions are not considered as defects.&lt;br /&gt;&lt;br /&gt;5. Please note that upon receiving your returned item(s), we may require up to 7 working days to process the refund.&lt;br /&gt;&lt;br /&gt;6. Kindly ensure that the return item(s) are unwashed, unused, not altered or damaged, free from any stain or perfume and returned along with its price tags and accessories (if any).&lt;br /&gt;&lt;br /&gt;7. When trying on item, please ensure that you are not wearing make-up, perfume/aftershave or deodorant which may leave a scent or marks on the item.&lt;br /&gt;&lt;br /&gt;8. We reserved the rights to refuse the returned item if they do not meet our T&amp;amp;Cs. Rejected items will be mailed back to you.&lt;br /&gt;&lt;br /&gt;</description>
            <author>Avonseller</author>
            <category>Garage Sales</category>
            <pubDate>Fri, 15 Dec 2017 14:16:52 +0800</pubDate>
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