Lowyat.NET: Latest topics by yj98

Looking for Interior design company

yj98 — Sun, 23 Jun 2024 19:11:02 +0800

Planning to do a fully furnish for investment. Project name is Clio 2 in Putrajaya near IOI City Mall (3 bed 2 bath, 829 sq ft), currently partially furnished with wardrobes in all rooms, kitchen cabinets, hood & hobb, smart lock. Pm pls

Any tip for first time lelong buyer

yj98 — Sun, 17 Mar 2024 20:40:34 +0800

Any dangers/pitfalls that I should know about? I'm looking into buying M Vertica lelong. In what scenario would I need to fork out more than 10% downpayment for participating in the auction. Are there any chances that I'll have to buy the whole unit in cash if I'm not able to able to get a mortgage? I've calculated my DSR & I qualify for ~RM800k. Pls educate me sifus thank you

Is my tenancy agreement "official"

yj98 — Wed, 18 Oct 2023 12:01:51 +0800

Hi guys I am a landlord and have submitted my tenancy agreement for stamping on online stamps lhdn. I have paid the fees and have received a stamp certificate. However my actual tenancy agreement has no stamping whatsoever on it. Is this normal? Example of a stamped tenancy agreement below. Will my tenancy agreement be recognized by the banks in this case?

Tax calculation for multiple properties

yj98 — Fri, 15 Apr 2022 21:00:08 +0800

How are taxes calculated on 2 or more properties? For example, I'm renting out 2 properties, 1 is making a profit and the other is untenanted

Nett = rental - (mortgage + permitted expenses)
Property A: 2500 - 2000 = +500 nett
Property B: 0 - 1500 = -1500 nett

Total nett = -1000 hence no need to pay tax or only pay tax on rental profitable properties, which in this case is 500/mo?

#update 1: based on the comments the answer is only pay tax on profitable properties. You win? Gib some to gomen. You lose? Your problem

Mont Kiara fully furnished 400+psf!?

yj98 — Mon, 22 Mar 2021 11:19:54 +0800

https://www.propertyguru.com.my/property-li...-leong-31738624

I was just browsing properties online and sometimes come across listings such as this. What's the catch? Can share what are common tactics agents use to `bait`?

Any crypto debit cards 2021?

yj98 — Tue, 16 Mar 2021 11:37:02 +0800

That's available for Malaysia

Ways to withdraw large amounts

yj98 — Tue, 26 Jan 2021 15:38:17 +0800

Anyone know better ways to withdraw large amounts safely? Considering the huge run-up recently. Current ways to withdraw only small amounts

Binance/localbitcoins/remitano P2P transfers. Okay for small-medium amounts. Not the safest option

Luno spot selling. Orderbook depth very weak. If market sell will cause massive slippage. If withdraw large amount will get flagged by bank?

Looking for 5ghz wifi adapter that supports ubuntu

yj98 — Wed, 02 Dec 2020 13:26:49 +0800

I've seen some adapters that support linux 2.6. Not sure if it's the same as the latest ubuntu versions. Can anyone suggest me some options? Referral link also can

Is is possible to cancel loan application?

yj98 — Sat, 21 Mar 2020 19:51:19 +0800

Hey guys it's my first time applying for a loan of any kind(personal). On the website it listed interest rate at 5.33% but on the application form it ranges 8-15% per annum. I read online that banks will disburse the loan amount to the bank account of the applicant after verifying the applicant. Is there a period between where they'll quote you your interest rate? I certainly do not want to get hit by a 15% rate. Thanks

Tax for active traders

yj98 — Sun, 11 Aug 2019 18:16:21 +0800

Do you pay taxes on profits based on your tax bracket? In my case I'm a full time employee. Also is there a limit for how much you can deduct from capital losses? Max deduction in USA is USD3K but cant find any info for Msia

What are the FANG companies equivalent in Malaysia

yj98 — Thu, 08 Aug 2019 23:00:05 +0800

Be it startup or established. Please share culture, opportunity, learning, and salary

Anyone buying REITs with leverage/margin financing

yj98 — Tue, 02 Jul 2019 23:41:34 +0800

Looks like low risk easy money to me. Am I overlooking something?

Any thread for absolute beginners?

yj98 — Mon, 01 Jul 2019 23:03:55 +0800

Currently 21, looking to own a property for investment by 23. Any good threads for learning here?

Any DevOps engineer here?

yj98 — Wed, 26 Jun 2019 15:52:29 +0800

If anyone has experience or salary of this position in Malaysia, please do share. Can't find any information regarding dev ops in Malaysia. Currently weighing the idea of transitioning from software engineering to devops.

Attending job interviews while in Full-time

yj98 — Fri, 29 Mar 2019 12:11:10 +0800

**EDIT: How do you make time to attend interviews while in a full time job?

Please share your tips. Some employers will ask for few round interviews just for the sake of it