Lowyat.NET: Latest topics by terrysoh

Everyone should own 1% bitcoin in net worth

terrysoh — Mon, 27 May 2019 15:10:34 +0800

I assume that you already know what Bitcoin is and how it works. If you dont, please take 10 minutes to watch a Youtube video about it, it will be a lot easier to understand.

It is my personal belief that everyone should have 1% of their net worth invested in Bitcoin. Whether you are a FD person, property, stock market, gold, it does not take away anything from your primary game plan and instead allow you to diversify and increase your returns within your preferred asset class.

1) Lets say you are FD person, where you are contented with 4% almost risk-free rate in the bank. If you have 100k in FD, you only need to invest 1k into bitcoin. You still have 99k in FD, earning 4% p.a. By moving 1% into bitcoin and hold it just like your FD for the next 5-10 years, this 1% allocation can potentially go 5x-10x times your initial investment, allowing you to bring that 4% into territory of 5% or 6%, without diluting your game plan at all.

2) Lets say you are a stock person and on average you make about 7-8% p.a. The same 1% asset allocation on bitcoin would allow you to potentially increase your returns into 9-10% p.a. territory, again without diluting your game plan.

3) Bitcoin is an uncorrelated asset class. Normally most asset classes are highly correlated. If the stock market goes down, you can be rest assured property prices will go down too. It doesnt really matter if you hold stocks or property, their value tend to go in tandem together. Bitcoin stands entirely on its own, it does not care about the stock market at all, allowing you to hedge against the market.

It is risky? Sure it is, but again by using smart asset allocation such as 1%, your downside is limited.

WTS SOLD

terrysoh — Mon, 16 May 2016 18:41:37 +0800

WTS Burberry Brit Frangrance for Men 50ml

https://my.burberry.com/mens-brit-fragrances/

Item retails for RM280 as seen in the website.

Item is genuine, sealed and brand new.

Selling for RM280 -----> RM175!!!

Kindly pm me, cod at Sunway/Subang Jaya/Kelana Jaya/SS2 area or Poslaju.

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WTS SOLD

terrysoh — Mon, 11 Apr 2016 17:47:58 +0800

WTS Burberry Brit Frangrance for Men 50ml

https://my.burberry.com/mens-brit-fragrances/

Item retails for RM280 as seen in the website.

Item is genuine, sealed and brand new.

Selling for RM175only!!!

Kindly pm me, cod at Sunway/Subang Jaya/Kelana Jaya/SS2 area or Poslaju.

[attachmentid=6355193]

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WTS Apple Watch Unused 38mm

terrysoh — Sun, 27 Mar 2016 00:55:45 +0800

Selling apple watch (shown in pics):

42mm Black: SOLD

38mm Antique white: RM1080

New,unused,mint condition. Opened just to check out content. 99.9% new.

Item was received as a gift.

Attached is the 38mm Watch Warranty. Expiry is March 2017 for Repair & Service.

Feel free to meet for Cod. Item has NEVER BEEN USED.

COD: Kelana Jaya, SS2, Sunway, Subang area. Postage can be arranged if required, but I encourage COD for clear transparency.

PM Me or whatsapp to 0122050033

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WTS Apple Watch Unused 38mm

terrysoh — Sun, 20 Mar 2016 22:53:26 +0800

Selling apple watch (shown in pics):

42mm Black: SOLD

38mm Antique white: RM1080

New,unused,mint condition. Opened just to check out content. 99.9% new.

Item was received as a gift.

Attached is the 38mm Watch Warranty. Expiry is March 2017 for Repair & Service.

[attachmentid=6244729]

Feel free to meet for Cod. Item has NEVER BEEN USED.

COD: Kelana Jaya, SS2, Sunway, Subang area. Postage can be arranged if required, but I encourage COD for clear transparency.

PM Me or whatsapp to 0122050033

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WTS Muscle Pharm Fish Oil, Universal Nutrition ZMA

terrysoh — Wed, 10 Jun 2015 23:08:07 +0800

Item(s): 1) Muscle Pharm Fish Oil
2) Universal Nutrition ZMA Pro

[b]Package includes: 1 bottle (90 tablets)

Price: RM80 each bottle (same price)

Warranty: None

Dealing method: COD at Kelana Jaya, Subang Jaya, SS2.
Pos Laju available @ RM7

Contact method/details: PM

Age of item: Brand New - Sealed

Picture:

[attachmentid=4481431]

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Reason for sale:

Hi all,

I am a trainer and bodybuilder myself. Throughout the years I had tried many, many different brands and supplements. These two supplements that i am selling are both items that I personally use on a daily basis. They are both very essential supplement to accommodate your training and recovery, and thus building muscle.

Muscle Pharm High Quality Fish Oil Epa/Dha - 700mg combined (400 EPA/ 300 DHA)

- This is not your regular fish oil from the counter. The standard fish oil has 1000mg, but with only 300mg combined of EPA/DHA (180/120). This meant that out of 1000mg, only 300mg is useful, and 700 are redundant. This has a waste ratio of 70% consisting of redundant oils.

- MP Fish Oil is the exact opposite. It is molecularly distilled (to ensure a high % of impurities are removed) and produced in a GMP certified facility. Out of 1000mg, it has 700mg combined EPA/DHA. This has a waste ratio of 30% compared to the stock fish oils. It is also infused with citrus flavor to prevent unpleasant fish burping.

- Benefits of fish oil are widely known, such as supporting brain, heart, vision and joint functions, but many people are unaware of how much fish oil is actually needed to see any improvement. The stock fish oil barely do anything unless you consume about 8-10 pills daily, which is an absurd amount. If you use a ultra high fish oil like MP, only 2-3 pills is needed for optimal daily dosage.

Universal Nutrition ZMA Pro

- http://en.wikipedia.org/wiki/ZMA_%28supplement%29

- not a lot of people know the benefits of ZMA, but it has been widely adopted by world-class athletes as an recovery aid (remember, muscles needs to be damaged and recover in order to grow).

- Zinc is essential to numerous chemical reactions in the body, including protein synthesis and cellular energy. Its immune system values begin with zinc's ability to regulate the production of T cells.

- Magnesium is essential for normal heart function and transporting neurochemicals essential in muscle function. It's also essential to the critical balance of sodium and potassium within our cells.

- We tend to lose a lot of zinc and magnesium from the body when we train hard. It is utmost important to replace them. It is optimal to consume 30 minutes just before you sleep, and it promotes deep sleeping to ensure maximum recovery from your intense training.

[WTS] Muscle Tech Clear Muscle Pill

terrysoh — Thu, 31 Jul 2014 13:13:31 +0800

[b]Item(s): Muscle Tech Clear Muscle

[b]Package includes 1 bottle (168 capsules)

[b]Price: RM230 ---> RM200

[b]Dealing method: COD at Kelana Jaya, Subang Jaya, Sunway or SS2.

[b]Contact method/details: Pm me/ whatsapp me at 0122050033

[b]Age of item: Brand new, unopened

[b]Item(s) conditions: 10/10

One of the latest breakthrough technology by Muscle Tech, a well known company that produces high quality supplements and protein in the fitness industry, Clear Muscle is the hottest thing in the US for bodybuilding! Research has shown that subjects has gained up to 16 pounds of lean muscle mass in a short period of 3 months! A serving of 2 capsule is equivalent to 200 grams of whey protein in comparison!

For more information and details, kindly read about this phenomenal product at Muscle Tech's own very website:

http://international.muscletech.com/produc...s/clear-muscle/

[b]Picture: [attachmentid=4074565] [attachmentid=4074567]

[WTS]/WTT Fitness Concept Rubberized Weight Plates

terrysoh — Sun, 27 Apr 2014 02:24:14 +0800

Item(s): Fitness Concept Weight Plates, Used item in Good Condition

Package includes: 5kg, 2.5kg, 1.25kg

Price: 25% cheaper then fitness concept (fixed price) retail http://www.fitnessconcept.com.my/products/...e-1-25kg-detail

5KG: Rm61 ----->rm45.75
2.5Kg:RM30.50--->rm22.90

Warranty: None

Dealing method: COD

Location: Kelana Jaya, Sunway, Subang Jaya

Contact method/details: Pm me/whatsapp me @ 0122050033
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Item(s) conditions: 8/10

Picture: [attachmentid=3947534]

Reason for sale: Want to sell/ trade for 10kg rubberized plates fitness concept/10kg ketler plates. Upgrading my weight plates to become heavier, no longer needs the 5kgs or lighter ones. Will trade up in your favour. I can do a combination of 12.5kg in total for a 1 piece 10kg fitness plate of your choice. Otherwise, good value for beginner/advanced lifters to get discounted weight plates as fitness concept offers no discount (yes i brought them at full retail too)

[WTS]/WTT Fitness Concept Rubberized Weight Plates

terrysoh — Sun, 27 Apr 2014 02:17:59 +0800

Item(s): Fitness Concept Weight Plates, Used item in Good Condition

Package includes: 5kg, 2.5kg, 1.25kg

Price: 25% cheaper then fitness concept (fixed price) retail http://www.fitnessconcept.com.my/products/...e-1-25kg-detail

5KG: Rm61 ----->rm45.75
2.5Kg:RM30.50--->rm22.90

Warranty: None

Dealing method: COD

Location: Kelana Jaya, Sunway, Subang Jaya

Contact method/details: Pm me
---

Item(s) conditions: 8/10

Picture: [attachmentid=3947506]

Reason for sale: Want to sell/ trade for 10kg rubberized plates fitness concept/10kg ketler plates. Upgrading my weight plates to become heavier, no longer needs the 5kgs or lighter ones. Will trade up in your favour. I can do a combination of 12.5kg in total for a 1 piece 10kg fitness plate of your choice. Otherwise, good value for beginner/advanced lifters to get discounted weight plates as fitness concept offers no discount (yes i brought them at full retail too).

Ensky @ Steve Goh Kok Chong Paypal Scammer

terrysoh — Fri, 04 Dec 2009 11:52:58 +0800

!!!
Forumer you are complaining against: Ensky @ Steve Goh Kok Chong

Item being sold/bought: Paypal USD 299

Original thread link:

Date of transaction: June 09,

Details of the complaint : The paypal money was reversed back few weeks, i contacted seller for a refund in msn/phone but no answer from him.
If seller does not come back to me, i will file a law suit in small claim court. Will contact the moderator for more details

[addedon]December 27, 2009, 4:46 am[/addedon]Anyone that has details about Goh Kok Chong please contact me, i need to talk to him. This guy practically never answer my call. If u have dealt with him before, i really appreciate any information from you, thanks.

Mohd Azmi Bin Ismail AND Prem Kumar Apasamy

terrysoh — Thu, 29 May 2008 22:50:19 +0800

He (not sure prem kumar or azmi) actually transferred 640 usd to me and attempted unathorized transaction. His nick in low yat is online4trading, but i guess it doesnt matter much as scammer usually register a new account after scamming.Fortunately paypal is not stupid either and it did not went successful. I already lodged a police report as well, although the fraud did not went through, they did attempted fraud and they still infringed the law.

Here's the case:

Azmi claims he is the worker of Prem Kumar, and he is in charge of all transaction. So the details are as follows:

1)Mohd Azmi Bin Ismail , Maybank account number 164098538616 is the account whom received the RM

2) Prem Kumar Apasamy @ online4trading@yahoo.com is the Paypal account that sends the USD and attempted unathorized transaction. ( note that he DID sent the USD first, means he does really has a valid paypal account, so others please dont fall for the trick when someone offered to send first, as they can always use the "chargeback" method".

So guys, beware, again, never trade with newbies whom is deemed suspicious.

Paypal Conman KUMAR A/L NOOKARAJOO

terrysoh — Sat, 24 May 2008 15:46:25 +0800

As the topic says for itself, i got conned for buying paypal. Here is his thread http://forum.lowyat.net/index.php?showtopi...&#entry17547975 His nick is Geroge B but usually conmen will change their nick once they scammed money.

We suppose to deal 2000 usd, but i sensed something wrong when he insisted on me sending the RM first ( i usually receive the paypal funds first since im a big dealer and a good reputation ), so i suggested we do small deal on 100 usd per transaction. Once i transferred the money for the first 100 usd, he disappeared and shut off his handphone. Such a cheapo, few hundred bucks for the risk of his entire future in jail.

Fast Honda Cars

terrysoh — Wed, 16 Jan 2008 15:05:17 +0800

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How to Grow Taller

terrysoh — Sat, 12 Jan 2008 03:04:27 +0800

I am reaching 21 years old this year, and my height is 170cm. I believe this is the under average height for the current society, as I had seen many taller guys out there. Is there any proven ways that could make someone taller? Or does playing basketball is a myth or a reality that you ll grow tall because of it? Feel free to share your opinion!