Lowyat.NET: Latest topics by kaiserwulf

Paying off home loan earlier

kaiserwulf — Mon, 21 Jul 2014 16:18:12 +0800

Dear All,

I have a question. Say you already taken a house loan of RM 300k a month ago. Penalty period 3 years (e.g. Maybank).

Then suddenly your close uncle died and gave you lots of money.

How much can you pay without the penalty?

The loan officer told me you can pay up to a certain ceiling only. E.g. RM20k short of RM 300k. Then keep the 20k debt and accrue some interest until 2 years and 11 months later. Then pay all and close the loan.

Is this true? What is your experience.

Girls only interested after I have girlfriend.

kaiserwulf — Sat, 14 May 2011 20:23:57 +0800

Guys,

I hooked up recently with this fine lady who just cooked me breakfast this morning at my house. She is very simple and good; no jual mahal during hooking up.

That's not my problem.

» Click to show Spoiler - click again to hide... «

When I'm single (for damn long time), this effect never happens.

Do you guys experience better female attenshyun AFTER you have a GF?

Please share your experiences.

*Edit: She also told me more guys start to ask her out. Inc a weird fierce face guy at her dept who usually do not talk to her.

Discussion on stalkers

kaiserwulf — Fri, 17 Sep 2010 15:32:15 +0800

QUOTE

A hot girl who follows you around and shows up at your door is a friend. An ugly girl who follows you around and shows up at your door is a stalker.
A hot guy who gives you flowers is a romantic. An ugly guy who gives you flowers is a stalker.

From Urban Dictionary: http://www.urbandictionary.com/define.php?term=stalker

Discuss how true (or false) this is!

Rubber estate

kaiserwulf — Wed, 25 Aug 2010 08:42:05 +0800

Hey guys and girls,

Recently a substantial amount of rubber estate came into my life. A rubber company approached to offer to manage the land for a fee. I have no prior experience to run the thing

Question is: What is the market rate for such a service? I don't what to give more than I have to. Is it 50-50 of what ever is produced from the land sans tapper fee and fertilizer?

Looking for advice and details from:
-Current estate owners
-People who knows estate owners and what were their offers too
-People who got contacts to estate owners and willing to share with me contact to them
-People who can hook me up the the market rate data

Thanks!

Opening personal bank account in SG

kaiserwulf — Mon, 17 May 2010 02:13:07 +0800

Hi guys,

I want to have a local (as in SG) bank account to open up a stock account (having philip capital in mind) in SG. I have a passport and willing to travel down to SG to go to the banks to open.
-Msian citizen
-No SG job or earnings derived from SG
-Not SG PR or citizen

As I only need 1 account, here are my questions:
-What bank recommended to open?
-Able to do online banking from anywhere out of SG
-What is the process?
-Minimum value to open the acc? (I got 10k SGD in MYR currently)
-How to bring the cash across? Wired transfer or by hand?
-Any documents I need to bring there

I know there are ways to buy SG stocks from Msia but I want the flexibility of having my money there in case of keris kissing issues and also the fact that Msia is slipping in its currency strength (e.g. SG once was 1.x and now its 2.x and never dropping back)

Appreciate if someone who done it before let me know. Thanks.

Personal Grooming

kaiserwulf — Sat, 14 Nov 2009 11:06:53 +0800

Hey guys,

Are there any LYNers here who knows of personal grooming schools? I want to attend to prep myself up for corporate work. So far I heard of Robert John Powers and I think recently the KL branch just closed down. Things learnt at these kind of schools include but not limited to (stolen from the website haha):

Self-management Program
Image Projection
Fitness Basics
Poise and Carriage
Communication
Social Graces
Master of Ceremonies
Etiquette
Decorum

Thanks guys.

Automatic Watch for Engineers

kaiserwulf — Fri, 02 Oct 2009 00:19:06 +0800

I have been looking around for automatic watches. Preferably ones with chronograph and power display. I am an engineer by profession and will finish my apprenticeship in 2+ years time. For that I want to celebrate by getting myself a good watch. Thing is I am quite young so things like Rolex, Longines etc. will not be what I like. So far I narrow down to Omega and Tag Heuer. I like mechanical looking/rugged type with metal strap (no leather or resin for me). Currently due to my limited knowledge of watch I have only the Grand Carrera in mind. So feel free to suggest watches for me in that price region.

Fresh Grads: Where you see yourself at age 40

kaiserwulf — Sun, 12 Apr 2009 23:32:40 +0800

I am just curious to find out from the forumers (who are fresh grads just started work) how you see yourself at age 40 career wise.

Perhaps a template to guide you:

Current job/Business:
Salary:

At age 40,

Job/Business:
Salary:

Please be realistic and not say that you become God at age 40 or something like that.

Motorola Employee Stock Purchase Programme

Thu, 01 Jan 1970 07:30:00 +0800

Motorola Employee Stock Purchase Programme

kaiserwulf — Tue, 16 Dec 2008 21:02:29 +0800

Hey guys,

I was introduced to the Motorola Stock Purchase Programme for Moto employees in Penang. It seems that we get to buy the shares at a 15% discount of normal price.

But my question is this: Stocks are sold in USD and we are paid in RM; what happens to the forex charges to change our money into USD to purchase the stock and when we sell it in USD we have to convert back to ringgit?

We have to pay the conversion rate twice?

Thanks.