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        <title>Lowyat.NET: Latest topics by vinboy</title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Mon, 13 Jul 2026 10:07:59 +0800</lastBuildDate>
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            <title>got land but no money to develop. any loan option?</title>
            <link>http://forum.lowyat.net/topic/1009318</link>
            <description>hi&lt;br /&gt;First of all, I want to apologise if my question sound naive to the experts.&lt;br /&gt;&lt;br /&gt;I got a piece of land, 1 acre... But i dont have alot of extra money to spend on construction.&lt;br /&gt;Can roughly make 15 houses, maybe, or more?&lt;br /&gt;&lt;br /&gt;I don&amp;#39;t want to bring in other investor because the pie will become alot smaller.&lt;br /&gt;&lt;br /&gt;I&amp;#39;m considering taking loan. so here is my question:&lt;br /&gt;&lt;b&gt;Can I take any loan using the land as collateral??&lt;/b&gt;&lt;br /&gt;And how much can I borrow? it is calculated by % of the land value?&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;BTW, What are the financing methods usually employed by land developers??&lt;br /&gt;&lt;br /&gt;pls advise  &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>vinboy</author>
            <category>Property Talk</category>
            <pubDate>Fri, 24 Apr 2009 15:50:33 +0800</pubDate>
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        <item>
            <title>need recommendation RM300-700 range speakers</title>
            <link>http://forum.lowyat.net/topic/965137</link>
            <description>hi&lt;br /&gt;I&amp;#39;m looking for a speaker system. Preferably 5.1, but 2.1 is fine too if quality is good.&lt;br /&gt;Am looking for clear sound, usually I just play music and movie, not much gaming.&lt;br /&gt;Does having the THX and DTS logo make any difference? The logitech speakers usually have those.&lt;br /&gt;&lt;br /&gt;Current choices:&lt;br /&gt;- Altec Lansing CS21&lt;br /&gt;- Altec Lansing FX5051 5.1 Surround Sound&lt;br /&gt;- Edifier S530D&lt;br /&gt;- Edifier C3&lt;br /&gt;- Edifier S550&lt;br /&gt;- Edifier S730&lt;br /&gt;- Edifier R501 MK2 (RM409)&lt;br /&gt;- Edifier DA5000 (RM699)&lt;br /&gt;- Edifier e3300&lt;br /&gt;- Edifier E3350&lt;br /&gt;- Edifier M3500&lt;br /&gt;- CMT-BX50BT  (Sony&amp;#39;s Micro-HIFI)&lt;br /&gt;- Creative GigaWorks T40&lt;br /&gt;- also considering Creative brand, Logitech brand etc&lt;br /&gt;please post ur advise.&lt;br /&gt;&lt;br /&gt;btw, altec vs edifier, who wins? Edifier seems to be big in Malaysia, is it bcoz of the price or the quality?&lt;br /&gt;&lt;br /&gt;thank u so much</description>
            <author>vinboy</author>
            <category>Audiophiles</category>
            <pubDate>Sun, 15 Mar 2009 11:23:13 +0800</pubDate>
        </item>
        <item>
            <title>HID light, legal?</title>
            <link>http://forum.lowyat.net/topic/886302</link>
            <description>hi&lt;br /&gt;I have a double cab.&lt;br /&gt;Is it ok to use HID light bulb on it? can police give saman?&lt;br /&gt;</description>
            <author>vinboy</author>
            <category>The Fast &amp;amp; The Furious</category>
            <pubDate>Thu, 25 Dec 2008 14:49:00 +0800</pubDate>
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        <item>
            <title>Nokia N82 vs SE P1i</title>
            <link>http://forum.lowyat.net/topic/817516</link>
            <description>Hey&lt;br /&gt;I&amp;#39;m looking to upgrade my K800 bcoz the navigation key is f*cked up. Everytime I press down it select ENTER.. always call wrong person&amp;#33;&amp;#33;&amp;#33;&amp;#33;&lt;br /&gt;&lt;br /&gt;anyway...&lt;br /&gt;Can someone confirm the price?&lt;br /&gt;SE P1i ~rm1000&lt;br /&gt;Nokia N82 ~rm1500&lt;br /&gt;&lt;br /&gt;if that&amp;#39;s true... N82 is 50% more expensive&amp;#33; Maybe I&amp;#39;ll just get N82 based on my assumption above. &lt;br /&gt;Unless someone can tell me different price or have better advise.&lt;br /&gt;&lt;br /&gt;</description>
            <author>vinboy</author>
            <category>Mobile Phones and Tablets</category>
            <pubDate>Wed, 15 Oct 2008 00:52:45 +0800</pubDate>
        </item>
        <item>
            <title>Broadband in east malaysia</title>
            <link>http://forum.lowyat.net/topic/674282</link>
            <description>hi guys&lt;br /&gt;I live in east malaysia.&lt;br /&gt;anyone know of any decent broadband provider? be it ADSL, wifi, fibre optic, whatever.&lt;br /&gt;&lt;br /&gt;I&amp;#39;d prefer unlimited data usage OR at least 15GB per month at an affordable price.&lt;br /&gt;&lt;br /&gt;thanks in advance&amp;#33;&lt;br /&gt; &lt;!--emo&amp;B]--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/cool.gif' border='0' style='vertical-align:middle' alt='cool.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>vinboy</author>
            <category>Networks and Broadband</category>
            <pubDate>Tue, 15 Apr 2008 10:44:10 +0800</pubDate>
        </item>
        <item>
            <title>Where to buy router/wifi hardware?</title>
            <link>http://forum.lowyat.net/topic/466942</link>
            <description>do you guys know where I can check the best price or where to buy router/wifi hardware  in Malaysia?&lt;br /&gt;&lt;br /&gt;I&amp;#39;m currently looking at Linksys WRT54GX , WRT150N and other similar products.&lt;br /&gt;&lt;br /&gt;thanks in advance  &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>vinboy</author>
            <category>Networks and Broadband</category>
            <pubDate>Sun, 03 Jun 2007 14:01:08 +0800</pubDate>
        </item>
        <item>
            <title>Can I buy ADSL modem from oversea to use with TMne</title>
            <link>http://forum.lowyat.net/topic/462973</link>
            <description>Can I buy ADSL modem from oversea to use with TMnet?&lt;br /&gt;&lt;br /&gt;I&amp;#39;m thinking to get Linksys&amp;#39;s Wifi router, which include WiFi.&lt;br /&gt;Since ADSL is a standard, it should work with TMnet, right?&lt;br /&gt;&lt;br /&gt;thanks in advance.&lt;br /&gt;</description>
            <author>vinboy</author>
            <category>Networks and Broadband</category>
            <pubDate>Sat, 26 May 2007 14:30:41 +0800</pubDate>
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