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        <title>Lowyat.NET: Latest topics by normanTE</title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Wed, 01 Jul 2026 05:17:17 +0800</lastBuildDate>
        <generator>FeedCreator 1.7.2</generator>
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            <title>MAKE MONEY OR MAKE EXCUSE</title>
            <link>http://forum.lowyat.net/topic/5403307</link>
            <description>LATELY BURSA Shown some mini bulltrend&lt;br /&gt;&lt;br /&gt;focuslist &lt;br /&gt;VELESTO , TENAGA YTLP RCECAP SASBADI BPLANT AAX padini&lt;br /&gt;2. property sector is currently in play ksl mahsing rapid&lt;br /&gt;&lt;br /&gt;3. Certain sector is extended could form a PULLBACK Buy if klci continue to make new high teoseng dchcare&lt;br /&gt;&lt;br /&gt;do share interesting stock in play</description>
            <author>normanTE</author>
            <category>Stock Exchange</category>
            <pubDate>Sat, 26 Aug 2023 22:27:19 +0800</pubDate>
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            <title>shoplot SS2 DU TAMAN MEGAH ss15</title>
            <link>http://forum.lowyat.net/topic/5403120</link>
            <description>with current market condition is it worth risking your hard earn cash with shoplot in mentioned areas?&lt;br /&gt;ss2 Du ss15 taman megah?&lt;br /&gt;price tag is pretty hefty 6-10million range</description>
            <author>normanTE</author>
            <category>Property Q&amp;amp;A</category>
            <pubDate>Fri, 25 Aug 2023 18:59:06 +0800</pubDate>
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            <title>replacing the zinc areas with concretes and tile</title>
            <link>http://forum.lowyat.net/topic/5335979</link>
            <description>&lt;a href='https://pictr.com/image/Emqlan' target='_blank'&gt;&lt;img src='https://pictr.com/images/2022/12/05/Emqlan.md.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;can recommend some good contractor to remove the zinc and replacing it with cement and tile?&lt;br /&gt;thank you&lt;br /&gt;location in pudu Kuala lumpur</description>
            <author>normanTE</author>
            <category>Home Renovations and Interior Design</category>
            <pubDate>Mon, 05 Dec 2022 13:40:29 +0800</pubDate>
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            <title>new business</title>
            <link>http://forum.lowyat.net/topic/2046732</link>
            <description>i am working as a professional degree holder. worked 1-1/2 yrs soleproproniate business thinking of expanding my business by setting up branches and refinancing and getting in more equipment. i wonder who should i talk to:? &lt;br /&gt;&lt;br /&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>normanTE</author>
            <category>Finance, Business and Investment House</category>
            <pubDate>Sun, 25 Sep 2011 23:02:07 +0800</pubDate>
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            <title>New Business need employees that stays;</title>
            <link>http://forum.lowyat.net/topic/1476570</link>
            <description>may i know currently under the malaysia labour laws:&lt;br /&gt;what is the working hours likes?&lt;br /&gt;what if i am ruunning a textile factory or medical center or any form of business need my staff to work in shift.&lt;br /&gt;&lt;br /&gt;kindly advice if my working shift got problem:&lt;br /&gt;Working hours:&lt;br /&gt;Monday till Saturday 8 am till 10 pm &lt;br /&gt;Sunday 2 pm till 9 pm&lt;br /&gt;&lt;br /&gt;with 2 shift &lt;br /&gt;1st shift 8 am till 4pm, second shift 2pm till 10pm. with quick lunch and dinner break in between.&lt;br /&gt;&lt;br /&gt;or 1 hour lunch and dinner break but need to work an additional hour to replace that hours.&lt;br /&gt;&lt;br /&gt;any advices or comment?&lt;br /&gt;thank you.</description>
            <author>normanTE</author>
            <category>Jobs &amp;amp; Careers</category>
            <pubDate>Thu, 01 Jul 2010 23:18:05 +0800</pubDate>
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            <title>starhub singapore telecom</title>
            <link>http://forum.lowyat.net/topic/1032748</link>
            <description>as descirbe above i am fancy with the singapore usb internet connection with the charges far lesser then celcom or maxis.&lt;br /&gt;they only charge 73sgd per month.&lt;br /&gt;my query is anyone having experience with this before i subscribe?&lt;br /&gt;i mean could this be use in malaysia?&lt;br /&gt;&lt;br /&gt;&lt;a href='http://www.starhub.com/portal/site/Online/menuitem.f2b59af84f3db376da055b608324a5a0/?vgnextoid=431509d13e9d4110VgnVCM100000464114acRCRD' target='_blank'&gt;http://www.starhub.com/portal/site/Online/...000464114acRCRD&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;many thanks to all sifu &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>normanTE</author>
            <category>Networks and Broadband</category>
            <pubDate>Sun, 17 May 2009 04:01:25 +0800</pubDate>
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            <title>looking for phone that can go online</title>
            <link>http://forum.lowyat.net/topic/971355</link>
            <description>any idea or recommendation, of which phone will be the choice for mobile and easy asses, i dont go online daily thru phone, might be 4-5 time a months to buy and sell stock. due to my working enviroment so cant carry laptop around.&lt;br /&gt;&lt;br /&gt;any recommendation?&lt;br /&gt;regard&lt;br /&gt;norman</description>
            <author>normanTE</author>
            <category>Mobile Phones and Tablets</category>
            <pubDate>Fri, 20 Mar 2009 22:21:26 +0800</pubDate>
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            <title>buffet portfolio</title>
            <link>http://forum.lowyat.net/topic/941466</link>
            <description>why no buy what buffet had bought?&lt;br /&gt;he as a richest man in world.&lt;br /&gt;why not learn or at least imitate him.&lt;br /&gt;there is no secret to his holding.&lt;br /&gt;&lt;a href='http://www.berkshirehathaway.com/' target='_blank'&gt;http://www.berkshirehathaway.com/&lt;/a&gt;&lt;br /&gt;or sec filling.&lt;br /&gt;&lt;br /&gt;platform; &lt;br /&gt;i am using &lt;br /&gt;ameritrade.com&lt;br /&gt;sogotrade.com&lt;br /&gt;zecco.com&lt;br /&gt;&lt;br /&gt;addtional point to trade aboard is most securities are sipc insured and single account can buy all share thru all world.&lt;br /&gt;eg icbc=1398.hk   usa quote: idcbf.pk&lt;br /&gt;bank of china=3988.hk usa quote: bachf.pk&lt;br /&gt;eg using sogotrade.com they charge commission of usd 3 pertrade regardless number share.&lt;br /&gt;after convertion to rm 10. that is cheaper than any securities provided in malaysia. although some might think it is safe to open account with their local broker. &lt;br /&gt;truth is physically look safe, fundementally unsound.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;again this is to share with all securities enthusiasm.&lt;br /&gt;&lt;br /&gt;regards&lt;br /&gt;normante&lt;br /&gt;&lt;br /&gt;[addedon]February 19, 2009, 8:06 pm[/addedon]buffet;&lt;br /&gt;latest filling in sec, shown his share in american express is unchange &lt;br /&gt;any know what price he bought? 40-50usd pershare, now only as low as 13.3 usd.&lt;br /&gt;and wellfargo, he bought at 30-40usd pershare , and now hangging at 12-13usd. &lt;br /&gt;why wait.....everyone start loading up.....&lt;br /&gt;</description>
            <author>normanTE</author>
            <category>Stock Exchange</category>
            <pubDate>Thu, 19 Feb 2009 19:50:06 +0800</pubDate>
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            <title>what is nominie and individual account</title>
            <link>http://forum.lowyat.net/topic/941458</link>
            <description>it happen to me :&lt;br /&gt;&lt;br /&gt;my dad wanted to transfer some of his public bank share from AM BANK securities which he bought earlier, &lt;br /&gt;not knowing the rule and term for nominee.&lt;br /&gt;branch securites manager told him, it is imposible. so my daddy told me about the issue.&lt;br /&gt;been a young and eager investor sure u be more aggresive in term of such issue.&lt;br /&gt;so i called up my maybank securities; they claim due to my account are nominee as well, so the transfer cant be done.&lt;br /&gt;so i asked her again what if my dad want to transfer his share from am securities to my maybank securities?&lt;br /&gt;she said i need to open an individual account which deal with KL maybank investment bank(new account which not dealing with your local securities)and my dad need to open one individual account at am securities  to allow such securities transfer to take place.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;then i call back the Am securities today around 2pm, intended to ask them to get the application ready for my dad to sign.&lt;br /&gt;he as a branch manage said &amp;quot; i dont know what u talking and there is no such individual account&amp;quot; it is his tone pretty rude, obviously  he is not happy due to some personal reason. (new account mean u taking commision away from him to someone in headquater of am securities).&lt;br /&gt;and he hang off the phone while in the middle of conversation.&lt;br /&gt;&lt;br /&gt;anyway i have filled complain to KL AM BANK. &lt;br /&gt;I HOPE some action will be taken.knowing am bank is not so efficient in their complains.&lt;br /&gt;so i am writting to warm all new investor be careful when open account with ambank securities.&lt;br /&gt;&lt;br /&gt;i believe all securities have their problem, &lt;br /&gt;i believe osk in malaysia wasnt too bad, but commission are 0.7%is abig draw back&lt;br /&gt;i will choose cimb itrade, at present 0% commission.&lt;br /&gt;next is maybank securities cash account 0.1% commission.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;this message is to share with everyone that with same interest.&lt;br /&gt;make more money thru securities,&lt;br /&gt;instead of making them rich.&lt;br /&gt;&lt;br /&gt;many regards&lt;br /&gt;normante &lt;!--emo&amp;:D--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/biggrin.gif' border='0' style='vertical-align:middle' alt='biggrin.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:P--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/tongue.gif' border='0' style='vertical-align:middle' alt='tongue.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>normanTE</author>
            <category>Stock Exchange</category>
            <pubDate>Thu, 19 Feb 2009 19:40:47 +0800</pubDate>
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            <title>bargain stock in global economy downturn</title>
            <link>http://forum.lowyat.net/topic/885362</link>
            <description>i personally would like to share my view on bargain hunt in asia. and uk, america stock&lt;br /&gt;&lt;br /&gt;firstly asia;&lt;br /&gt;malaysia; maybank,rhb,igb,topglove, knm, airasia, genting, ioi&lt;br /&gt;singapore; singpost,gentinginternational, capitaland,sph, dbs, uob at 10sgd. &lt;br /&gt;hongkong;hsbc, china mobile, china petroleum, icbc,ccb,&lt;br /&gt;japan; toyota, honda.&lt;br /&gt;&lt;br /&gt;european market; rbs, electricde france, gazprom, roche, &lt;br /&gt;america; ameircan express, citigroup,las vegas, &lt;br /&gt;&lt;br /&gt;all region investor are invited to this forum.</description>
            <author>normanTE</author>
            <category>Stock Exchange</category>
            <pubDate>Wed, 24 Dec 2008 13:12:31 +0800</pubDate>
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            <title>singapore, hongkong property</title>
            <link>http://forum.lowyat.net/topic/865589</link>
            <description>hi there all property sifu, &lt;br /&gt;the property that i own probably starreit,uobreit, axreit&lt;br /&gt;i have 2 inherited shoplot downtown in jalan pahang. good rental; but occasionally face some trouble with collecting rental,&lt;br /&gt;&lt;br /&gt;i have a friend own a office lot in raffles place and heard the rental persquare feet is singapore 15 per feet, really interested wonder any one have experience , and willing to share?&lt;br /&gt;</description>
            <author>normanTE</author>
            <category>Property Talk</category>
            <pubDate>Thu, 04 Dec 2008 21:05:55 +0800</pubDate>
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            <title>nestle,bat</title>
            <link>http://forum.lowyat.net/topic/842028</link>
            <description>i believe many of us here would probably known this is damn solid company not even shake or giving discount with klse 1500--&amp;#62;900 point.&lt;br /&gt;my question is will it sustain if klse drop to 400 point ? if will i will be buying them at this price now in market.</description>
            <author>normanTE</author>
            <category>Stock Exchange</category>
            <pubDate>Tue, 11 Nov 2008 07:52:46 +0800</pubDate>
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            <title>What online brokerage has the lowest commission?</title>
            <link>http://forum.lowyat.net/topic/809932</link>
            <description>hey guy for those who are active trader in us stock market,&lt;br /&gt;you guy might know,&lt;br /&gt;need some advice le&lt;br /&gt;&lt;br /&gt;scotrade; pertrade usd 7 with no maintenance fee or inactivity fee,&lt;br /&gt;ameritrade pertrade usd9.99 an no minimal , inactivity or maintenence fee.&lt;br /&gt;tradeking pertrade usd 4.5 and not sure got inactivity fee&lt;br /&gt;optionexpress 14.95 per trade&lt;br /&gt;interactive brokers; not sure per trade how much ?&lt;br /&gt;                              but their is monthly usd 10 for inactivity fee, lot of charges &lt;br /&gt;etrade;12.99 usd pertrade and quarterly usd 40 maintenance fee, not wise to own this account if less then 50,000 is account&lt;br /&gt;fidelity 19.99 usd pertrade on of the top of the charges &lt;br /&gt;&lt;br /&gt;singapore bank such as uob,ocbc,dbsvicker average ; 40-50 usd pertrade&lt;br /&gt;cimb malaysia; double charge here malaysia flat rm150pertrade plus us brokerage additional charges&lt;br /&gt;osk,tarr security thru singapore securities same as uobkayhian,dbs vicker high charges&lt;br /&gt;citibank sigapore; rate is 0.01% with custody fee usd 2 per counter&lt;br /&gt;&lt;br /&gt;of course everyone will say just get scotrade or trade king; but unfortunately this two are not provide to malaysian or singaporean resident, unless u have us social security number,&lt;br /&gt;&lt;br /&gt;any suggestion; i want low commission rate, no inactivity fee, or maintenance or quarterly fee, no custodian fee.&lt;br /&gt;                        i dont trade a lot 5-6 trade in a year mainly buying and keep.&lt;br /&gt;                        i prefer near singapore or malaysia as it near my base. in case i need emergency fund i can withdrawal them right?&lt;br /&gt;&lt;br /&gt;guy yours suggestion is greatly appreciated,&lt;br /&gt;thanks first&lt;br /&gt;norman&lt;br /&gt;</description>
            <author>normanTE</author>
            <category>Stock Exchange</category>
            <pubDate>Mon, 06 Oct 2008 20:18:43 +0800</pubDate>
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            <title>stock trading in united state</title>
            <link>http://forum.lowyat.net/topic/806852</link>
            <description>hi everyone i got a news here i heard cimb provide direct trading in us stock market, with charges more attractive then s&amp;#39;pore financial hub.&lt;br /&gt;not to include osk/tar/ those all thru s&amp;#39;pore. better have account in singapore instead dealing with them as they double charge u.&lt;br /&gt;&lt;br /&gt;i need somr advise for those trading in us stock via cimb; how about the charges.&lt;br /&gt;let say i bought a 100 share C; cost about 2000 usd, how will they charge include commission as such.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;thanks first for the reply</description>
            <author>normanTE</author>
            <category>Stock Exchange</category>
            <pubDate>Thu, 02 Oct 2008 22:55:11 +0800</pubDate>
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            <title>BUYING SHARE THRU ONLINE BANKING</title>
            <link>http://forum.lowyat.net/topic/610495</link>
            <description>HI guy it me again ; i am kind of new in this game i asked my agent from maybank investment manager. she told me may bank charge 0.42% charges if i buy online thru my own account. and if she buy they will charge 0.6% service charges.&lt;br /&gt;But despite of what she had told me i wonder how come every transection that i made is charged extra on average 0.56-0.57% service charges where i dealing with. well i had clarify with her she emailed me and told me there is additional 0.04% exchange com, and 0.01% stamp fee. which added also 0.47% and i wonder how come it turn out to be 0.56%..... by the way i been buying genting monthly and around 800 unit every transection to 1000 unit. and beeen turn out to be 0.57%......&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;anyone can explain thanks&lt;br /&gt;&lt;br /&gt;by the way if i not mistaken hongleong bank offer 0.1% online charges www.hlebroking.com. thaat great.</description>
            <author>normanTE</author>
            <category>Stock Exchange</category>
            <pubDate>Sun, 13 Jan 2008 00:29:03 +0800</pubDate>
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            <title>GENTING</title>
            <link>http://forum.lowyat.net/topic/610474</link>
            <description>HI there everyone; though, i have just look thru someof your comment on the new breaking point of klci despite of the world market on the opposite direction. i wonder may i suggest if buying blue chip, such as genting, i bought since early last year, at 7.6 rm in average per share. do you guy with experience is it way over price?</description>
            <author>normanTE</author>
            <category>Stock Exchange</category>
            <pubDate>Sat, 12 Jan 2008 23:56:03 +0800</pubDate>
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