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        <title>Lowyat.NET: Latest topics by yong417</title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Sat, 06 Jun 2026 07:39:07 +0800</lastBuildDate>
        <generator>FeedCreator 1.7.2</generator>
        <item>
            <title>[sold] Starbucks 2018 Planner (Red) &amp;amp; Luggage Tag</title>
            <link>http://forum.lowyat.net/topic/4483015</link>
            <description>&lt;b&gt;&lt;span style='font-size:16pt;line-height:100%'&gt;&lt;span style='color:red'&gt; All items sold~&lt;/span&gt;&lt;/span&gt;&lt;/b&gt; &lt;!--emo&amp;:clap:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/rclxms.gif' border='0' style='vertical-align:middle' alt='rclxms.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:clap:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/rclxms.gif' border='0' style='vertical-align:middle' alt='rclxms.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('11fd66d694d1245da69b592033165b71')&quot; style=&quot;font-weight: bold&quot;&gt;&lt;u&gt;&amp;raquo; Click to show Spoiler - click again to hide... &amp;laquo;&lt;/u&gt;&lt;/div&gt;&lt;div class=&quot;spoilermain&quot; id=&quot;11fd66d694d1245da69b592033165b71&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;&lt;span style='color:blue'&gt;&lt;span style='font-size:16pt;line-height:100%'&gt; ITEM #1&lt;/span&gt;&lt;/span&gt;&lt;/b&gt; &lt;br /&gt;&lt;br /&gt;&lt;b&gt;Item(s):&lt;/b&gt; Starbucks 2018 Planner (Red) - Holiday Edition &lt;!--emo&amp;:wub:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/wub.gif' border='0' style='vertical-align:middle' alt='wub.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;&lt;br /&gt;&lt;b&gt;Package includes:&lt;/b&gt; Starbucks 2018 Planner (Red) - Holiday Edition&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Price:&lt;/b&gt; Sold ///&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Warranty:&lt;/b&gt; No - buyer may check on the spot (for COD)&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Dealing method: &lt;/b&gt; COD / Postal (additional RM10 for the postage) &lt;br /&gt;&lt;br /&gt;&lt;b&gt;Location: &lt;/b&gt; KL - Bkt Bintang Area / Major Shopping Malls with MRT / LRT connections&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Contact method/details: &lt;/b&gt; PM Pls (I will reply after working hours)&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Item(s) conditions:&lt;/b&gt; New - Just redeemed - still with wrapper &lt;br /&gt;&lt;br /&gt;&lt;b&gt;Picture:&lt;/b&gt; attached&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Reason for sale: &lt;/b&gt; not using&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;[attachmentid=9441538][attachmentid=9441539]&lt;br /&gt;&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;&lt;br /&gt;******************************************************************&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('17a647ac040671fcfb2e2fb5e2bec505')&quot; style=&quot;font-weight: bold&quot;&gt;&lt;u&gt;&amp;raquo; Click to show Spoiler - click again to hide... &amp;laquo;&lt;/u&gt;&lt;/div&gt;&lt;div class=&quot;spoilermain&quot; id=&quot;17a647ac040671fcfb2e2fb5e2bec505&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;&lt;br /&gt;&lt;b&gt;&lt;span style='color:blue'&gt;&lt;span style='font-size:16pt;line-height:100%'&gt; ITEM #2&lt;/span&gt;&lt;/span&gt;&lt;/b&gt; &lt;br /&gt;&lt;br /&gt;&lt;b&gt;Item(s):&lt;/b&gt; Starbucks Luggage Tag (black) &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;br /&gt;&lt;br /&gt;&lt;b&gt;Package includes:&lt;/b&gt; Starbucks Luggage Tag (black)&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Price:&lt;/b&gt; Sold/// &lt;br /&gt;&lt;br /&gt;&lt;b&gt;Warranty:&lt;/b&gt; No - buyer may check on the spot (for COD)&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Dealing method: &lt;/b&gt; COD / Postal (additional RM10 for the postage) &lt;br /&gt;&lt;br /&gt;&lt;b&gt;Location: &lt;/b&gt; KL - Bkt Bintang Area / Major Shopping Malls with MRT / LRT connections&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Contact method/details: &lt;/b&gt; PM Pls (I will reply after working hours)&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Item(s) conditions:&lt;/b&gt; New - still with wrapper &lt;br /&gt;&lt;br /&gt;&lt;b&gt;Picture:&lt;/b&gt; attached&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Reason for sale: &lt;/b&gt; not using&lt;br /&gt;&lt;br /&gt;[attachmentid=9441540][attachmentid=9441542]&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;</description>
            <author>yong417</author>
            <category>Garage Sales</category>
            <pubDate>Tue, 19 Dec 2017 23:06:19 +0800</pubDate>
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            <title>[WTS] Starbucks Planner 2016 [SOLD]</title>
            <link>http://forum.lowyat.net/topic/3823399</link>
            <description>&lt;span style='color:red'&gt;&lt;span style='font-size:16pt;line-height:100%'&gt;-ITEM SOLD - &lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Item(s): Starbucks Planner 2016&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Package includes:Starbucks Planner 2016, Cover, non-woven Sleeve (see pic) &lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Price:RM60.00 only&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Warranty:No la......COD, see for yourself first lo....&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Dealing method:COD @ Bkt Bintang / Masjid Jamek Area, (can arrange for courier services, buyer bares the cost) &lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Location: KL &lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Contact method/details: 017-7799106 (YQ) - SMS / Whatsapps pls, not convenience to talk during office hours... &lt;/b&gt;&lt;br /&gt;&lt;br /&gt;---&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Item(s) conditions:NEW &lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Picture:&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;img src='https://lh3.googleusercontent.com/-hU1rTtsgWes/VoYo5KfuHEI/AAAAAAAAAA8/AwuCe9tSnB8/s912-Ic42/IMG_20160101_145743.jpg' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Reason for sale: Not using... i drink coffee only  &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; &lt;/b&gt;</description>
            <author>yong417</author>
            <category>Garage Sales</category>
            <pubDate>Fri, 01 Jan 2016 15:23:43 +0800</pubDate>
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        <item>
            <title>[WTA] Low Cost Unit</title>
            <link>http://forum.lowyat.net/topic/3478480</link>
            <description>Hi all sifus,&lt;br /&gt;&lt;br /&gt;Seeking advise on behalf of my fren on low cost unit - transfer of ownership.&lt;br /&gt;&lt;br /&gt;Her parents have a low cost flat at Selesa Jaya (Johor). As they are old and not wanting to make wills (due to whatsoever reasons la... i donno), they wish to transfer the low cost unit to her...&lt;br /&gt;&lt;br /&gt;But she was told that at her income level, she cant own low cost unit...  &lt;br /&gt;&lt;br /&gt;So.. seeking advise form all sifus on what and how to go about this.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Info:&lt;br /&gt;&lt;br /&gt;*Low cost flat @ selesa jaya (johor)&lt;br /&gt;*freehold / with strata title&lt;br /&gt;*housing loan cleared - no more owing bank&lt;br /&gt;*her gross income is abt 4k/mth&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;i did some search on johor land office website la... it mentions that:&lt;br /&gt;&lt;br /&gt;DOKUMEN-DOKUMEN  YANG PERLU DISERTAKAN BERSAMA BORANG PERMOHONAN&lt;br /&gt;1) Salinan hakmilik yang telah didaftarkan nama pemohon sebagai pemilik berdaftar.&lt;br /&gt;2) Salinan kad pengenalan pemohon dan penerima.&lt;br /&gt;3) Salinan surat kelahiran (sekiranya balasan kasih sayang dan Tanah Rizab Melayu).&lt;br /&gt;&lt;span style='color:red'&gt;&lt;span style='font-size:14pt;line-height:100%'&gt;&lt;b&gt;4) Salinan surat persetujuan daripada Pejabat Setiausaha Kerajaan  Bahagian  Perumahan Johor (sekiranya pindahmilik tanah bagi kategori rumah kos rendah).&lt;/b&gt;&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;5) Surat persetujuan pemegang gadaian (sekiranya tanah masih dalam gadaian).&lt;br /&gt;6) Keratan asal iklan surat khabar (3 kali dalam masa 3 bulan) sebagai bukti (sekiranya tanah lot bumiputra).&lt;br /&gt;7) Perintah yang memberi kuasa untuk memindahmilik tanah (sekiranya pemohon dilantik oleh mahkamah).&lt;br /&gt;8) Sijil Pendaftaran Syarikat, Borang 49, Borang 24, ‘Memorandum of Articles of Association , Resolusi Syarikat (sekiranya pindahmilik melibatkan sesebuah syarikat).&lt;br /&gt;9) Sesalinan resit cukai tanah dan cukai harta bagi tahun semasa.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;is it difficult to get consent form Pejabat Setiausaha Kerajaan  Bahagian  Perumahan Johor??</description>
            <author>yong417</author>
            <category>Property Talk</category>
            <pubDate>Fri, 23 Jan 2015 09:56:10 +0800</pubDate>
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        <item>
            <title>Private Retirement Fund</title>
            <link>http://forum.lowyat.net/topic/2064127</link>
            <description>&lt;!--QuoteBegin--&gt;&lt;div class='quotetop'&gt;QUOTE&lt;/div&gt;&lt;div class='quotemain'&gt;&lt;!--QuoteEBegin--&gt;108. In the 2011 Budget,&amp;nbsp; to ensure private sector employee and self-employed to have sufficient savings upon retirement,&amp;nbsp; I announced a tax relief up to RM6,000 for EPF and life insurance be extended to the Private Pension Fund now known as Private Retirement Scheme. In order to ensure the welfare of retirees upon reaching retirement age to live a comfortable life, I propose: &lt;br /&gt;&lt;br /&gt;First:&amp;nbsp; A new tax relief up to RM3,000 on contribution to a Private Retirement Scheme and insurance annuity for 10 years. Thus, the existing relief on Private Retirement Scheme and insurance annuity is rationalised;&lt;br /&gt;&lt;br /&gt;Second:&amp;nbsp; Tax deduction on employers’ contributions to a Private Retirement Scheme for their employees; and&lt;br /&gt;&lt;br /&gt;Third:&amp;nbsp; &amp;nbsp;  Tax exemption on income of Private Retirement Fund. &lt;!--QuoteEnd--&gt;&lt;/div&gt;&lt;!--QuoteEEnd--&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Hi all,&lt;br /&gt;&lt;br /&gt;quoted from the budget speech...got some questions regarding to this budget 2012...&lt;br /&gt;&lt;br /&gt;1) what is &amp;#39;Private Pension Fund&amp;#39; (or &amp;#39;Private Retirement Scheme&amp;#39;)??   &lt;!--emo&amp;:stars:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/rclxub.gif' border='0' style='vertical-align:middle' alt='rclxub.gif' /&gt;&lt;!--endemo--&gt;&lt;br /&gt;&lt;br /&gt;2) what are the examples of Private Retirement Scheme??&lt;br /&gt;&lt;br /&gt;3) &lt;b&gt;&lt;i&gt;A new tax relief up to RM3,000 on contribution to a Private Retirement Scheme and insurance annuity for 10 years&lt;/i&gt;&lt;/b&gt;&lt;br /&gt;What does it mean??&lt;br /&gt;&lt;br /&gt;Hope all sifu can help  &lt;!--emo&amp;:)--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/smile.gif' border='0' style='vertical-align:middle' alt='smile.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;</description>
            <author>yong417</author>
            <category>Finance, Business and Investment House</category>
            <pubDate>Sun, 09 Oct 2011 22:12:15 +0800</pubDate>
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            <title>KLCI Components (Latest)</title>
            <link>http://forum.lowyat.net/topic/1273140</link>
            <description>hi,&lt;br /&gt;&lt;br /&gt;anyone knows where to find the latest FBM KLCI components? (including the weightage of each stock) &lt;br /&gt;&lt;br /&gt;I&amp;#39;ve searched the bursa website and FTSE website but I cant get it...&lt;br /&gt;&lt;br /&gt;anyone can help? &lt;!--emo&amp;:help:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/icon_question.gif' border='0' style='vertical-align:middle' alt='icon_question.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:help:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/icon_question.gif' border='0' style='vertical-align:middle' alt='icon_question.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;&lt;br /&gt;tks ya &lt;!--emo&amp;:)--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/smile.gif' border='0' style='vertical-align:middle' alt='smile.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>yong417</author>
            <category>Stock Exchange</category>
            <pubDate>Sun, 27 Dec 2009 13:41:34 +0800</pubDate>
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            <title>Which broker firm is good?</title>
            <link>http://forum.lowyat.net/topic/1178491</link>
            <description>Hi, I wanna to invest in KLSE market...&lt;br /&gt;&lt;br /&gt;Need some guidance &lt;!--emo&amp;:help:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/icon_question.gif' border='0' style='vertical-align:middle' alt='icon_question.gif' /&gt;&lt;!--endemo--&gt;  1st before I enter into the market...&lt;br /&gt;&lt;br /&gt;1) Which broker firm is good? Any suggestions? (I wanna do online trading and I don wan nominees acc)&lt;br /&gt;&lt;br /&gt;2) How&amp;#39;s the fees like? Are all the firms charge RM12 min fees?&lt;br /&gt;&lt;br /&gt;3) Which  broker firm&amp;#39;s platform r u using? Is it user friendly?&lt;br /&gt;&lt;br /&gt;4) Is the broker firm that u r using provides extra services(researches/analysis) ?? How much they charge for those services?&lt;br /&gt;&lt;br /&gt;5) Any more things that i need to take into consideration when choosing a broker firm?&lt;br /&gt;&lt;br /&gt;&lt;br /&gt; &lt;!--emo&amp;:help:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/icon_question.gif' border='0' style='vertical-align:middle' alt='icon_question.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:help:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/icon_question.gif' border='0' style='vertical-align:middle' alt='icon_question.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:help:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/icon_question.gif' border='0' style='vertical-align:middle' alt='icon_question.gif' /&gt;&lt;!--endemo--&gt;&lt;br /&gt;&lt;br /&gt;one more Q, which firm provide futures trading service ya?</description>
            <author>yong417</author>
            <category>Stock Exchange</category>
            <pubDate>Tue, 29 Sep 2009 20:24:15 +0800</pubDate>
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            <title>[Help] :help: FTSE EMAS index vs KLCI index</title>
            <link>http://forum.lowyat.net/topic/0</link>
            <description></description>
            <category>Finance, Business and Investment House</category>
            <pubDate>Thu, 01 Jan 1970 07:30:00 +0800</pubDate>
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            <title>[Help] :help: FTSE EMAS index vs KLCI index</title>
            <link>http://forum.lowyat.net/topic/768890</link>
            <description>Seeking for help~~&lt;br /&gt;&lt;br /&gt;What is the diff between FTSE EMAS index and KLCI index?&lt;br /&gt;&lt;br /&gt;All I know is the FTSE EMAS index = FTSE BM 100 index + FTSE BM small cap index.&lt;br /&gt;&lt;br /&gt;Can anyone explain to me what is FTSE EMAS index and what is KLCI index??&lt;br /&gt;&lt;br /&gt;TQTQ &lt;br /&gt;&lt;br /&gt; &lt;!--emo&amp;:help:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/icon_question.gif' border='0' style='vertical-align:middle' alt='icon_question.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:help:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/icon_question.gif' border='0' style='vertical-align:middle' alt='icon_question.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:help:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/icon_question.gif' border='0' style='vertical-align:middle' alt='icon_question.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:help:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/icon_question.gif' border='0' style='vertical-align:middle' alt='icon_question.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>yong417</author>
            <category>Stock Exchange</category>
            <pubDate>Sun, 17 Aug 2008 16:29:24 +0800</pubDate>
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