Lowyat.NET: Latest topics by vdfoo

[WTS] [SOLD] Yamaha PSR-E223 Electronic Keyboard

vdfoo — Mon, 28 Nov 2016 13:10:34 +0800

Item(s):
Yamaha PSR-E223 Electronic Keyboard (61-key keyboard 375 natural sound voices)

Package includes:
1. Yamaha PSR-E223 Electronic Keyboard
2. Original Power adaptor
3. Note stand

Price:
RM 399

Dealing method:
Cash On Delivery

Delivery:
FREE. Minus RM50 if buyer pickup from seller location.

Location of seller:
KLCC area (Menara Binjai / G-Tower) / Kajang (Mutiara Heights)

Contact method/details:
PM / Whatsapp 012-6461560

Item(s) conditions:
1. Mint condition 9.5/10
2. No scratches or chips whatsoever
3. Used for less than 10 times and well kept in original box.
4. Bought new at RM660

Reason for sale:
Bought when first learning piano. Now have a wall piano.

Pictures
[attachmentid=8150092]
[attachmentid=8149903]
[attachmentid=8149913]
[attachmentid=8150040]
[attachmentid=8149932]
[attachmentid=8149934]
[attachmentid=8149939]
[attachmentid=8149950]

Review from Yahama official site:
[attachmentid=8150010]

Beta Oat 33 Review

vdfoo — Sat, 30 Nov 2013 10:15:21 +0800

Anyone tried Sunfield's Beta Oat 33? Any review on it?

Saw their website at: http://betaoat33.com/

Taken from their website:

Beta Oat 33 is made from Oat Bran Powder from USA which contains high Beta Glucan (more than 20%). Beta-Glucan is essential to help lower or reduce cholesterol. It works by absorbing excess cholesterol on its way through your body.

2 Scoops of BetaOat33 a day give you 3g of Beta-Glucan, the amount recommended for Cholesterol Lowering Effect

Compare with other Oat products, Beta Oat 33 does not only give you the highest amount of Beta-Blucan per serving, but it also enhanced with a heart protecting ingredient CoQ10. Just 2-3 scoops a day give your healthy diet with the optimal fiber you need daily. Beta Oat 33 is your best choice of natural, safe and drug free way to reduce cholesterol and to protect your health.

Low in Fat & Sugar
Low Sodium
Suitable for Vegetarian & Lactose Intolerant Individual
No Preservative
No Added Sugar
No Colouring
No Additives
Non Dairy
GMO Free

Thinking to buy and give it to my parents. Anyone tried this before? Any review?

Between Maybank Transfer

vdfoo — Wed, 12 Dec 2012 11:35:59 +0800

Hi, a quick question not sure if anyone has encountered this. I need to transfer a reasonable large sum of amount from my Maybank to another person's Maybank (3rd party) - let say this amount is about 50k, well actually is more.

I found out in the Maybank2U online can change the transfer limit, but only to maximum of 10k for a sole proprietor current account. A cheque is less favorable in this case as the business transaction is something like a COD. Any idea how can I handle this 50k if I want to do the transfer immediately in front of the vendor?

Could going to bank and transact over the counter be an option?

Free Online Seminar Property Method

vdfoo — Wed, 28 Nov 2012 18:55:31 +0800

there is an online seminar by Dr. OngKL & KCLau
http://kclau.jomniaga.com/x/webpromo/

saw it from my friend sharing on fb, anyone attend before? any catch?

Elaeis 1 & 2 Condo

vdfoo — Tue, 01 Feb 2011 19:33:53 +0800

Hi, I'm interested in getting a condo in Bukit Jelutong, Shah Alam for rental.

The reason I'm interested in this particular place is because there has been some plan for this place such as D'vida, Bukit Jelutong City Center and Selangor Vision City. Hopefully this means the place will potentially boom...

Looking from map, there are only Elaeis 1 & 2 Condo. If there is anyone owns a unit there or know about this place, can share a bit about the high rise property there? Such as when was these completed? How much was it launched? What is the market price now? How much is the actual rental now? What kind of people typically stay there? Is there any rental potential there?

Previously I heard that the golf course will be re-developed, not sure what is the plan now?

Elaeis 1 & 2 Condo seems extremely cheap compare to the studio project Sunsuria recently started their private launch, anyone have any view on this?

If anyone can give me some lights on these, I appreciate it very much

funny developer

vdfoo — Mon, 22 Nov 2010 21:02:19 +0800

i came across a developer. this developer is small but has been in development for long time.

i found out that they are having a weird practice. they work on a project, then after the project is finished, they would close shop. until the next project, they will open shop again.

i have never seen this kind of practice, is this common in property development?

Tan Yew Lai Development Sdn Bhd

vdfoo — Wed, 17 Nov 2010 14:29:12 +0800

Hi, does anyone know much about this developer Tan Yew Lai Development Sdn Bhd.

So far I only know that they have developed the Taman Tan Yew Lai in Puchong. Wonder how is the workmanship in that place? Any owner would like to share?

Saw that they have been around for 40 years, how is their reputation? Delayed project? Customer feedback? Anything about them?

Could not find much information regarding this developer online. They don't even have a website (at least I couldn't find it). Can anyone share more information regarding this developer?

Forming an IT Enterprise

vdfoo — Sat, 31 Jul 2010 20:19:40 +0800

hi fellow business sifu, i have something to ask regarding forming an enterprise. my background is in IT, so when come to business, i might say some silly thing, please be gentle with me

i have a job as software developer. from time to time i do some freelance work (develop some software outside my job) for people. initially starting from RM200 - RM300. as time goes, the freelance work is getting more challenging and the payment that i received is getting more and more. last time in the small amount, people would pay me cash or write me a cheque. not much hassle. but now the amount is getting bigger (lets say on average 5k - 10k a month) so there are 2 problems i'm facing now:
1. the outsourcing company dont favour to pay to my name. they prefer pay to a company instead. encouraging me to register a company / enterprise.
2. if i receive it under my personal bank acc, i'm subjected to declare it in my income tax. i'm hoping through registering an enterprise, i can work around to minimize the tax.

so in the process of registering an enterprise, what are the steps involve? where can i get more info? what kind of lisense do i need to acquire? i'm really a bit lost here, does forming an enterprise really a good idea to handle the incoming money?

thanks a lot

Buying from Developer

vdfoo — Sat, 31 Jul 2010 19:57:51 +0800

i'm buying an under construction condo from developer, put some deposit, not yet sign S&P. i applied loan from several banks. some came back to me and bring me an offer letter. perfectly normal.

i have some question in this transaction. the deposit that i put down is significantly small (less than 0.01% of the property price). developer told me there is no due date for me to apply loan. in other words, i (assume i) can take my own sweet time to apply loan. right now, i'm thinking i should NOT sign on the bank offer letter and S&P so soon, because once i signed, the disbursement would start and i will have to start paying interest to my loan. does this make any sense? am i missing something here?

my second worry is, Bank A, Bank B and Bank C have approved my loan and there is an expiry date for each of their offer letter. assume the above situation that i can drag till upon completion only apply a loan. if i get back to Bank A, Bank B and Bank C, can i still get loan from them?

anyway, i will doouble tripple confirm developer that there is really no due date for applying a loan.

Bank Loan Offer Letter

vdfoo — Wed, 28 Jul 2010 23:49:50 +0800

Here I want to ask you guys opinion about a dirty little thing that everyone knows (at least thought of) but no one actually openly discuss about it (at least I didnt see any).
Here is the situation, when you apply a loan, you apply Bank A, Bank B, Bank C at the same time. They come back to you each with an offer letter 2 weeks later. You requested to have a copy so that you can read properly before you sign on it. However they told you NOT to reveal the letter to anyone as it is CONFIDENTIAL. Now you are holding 3 copies of offer letters from 3 different banks. Will you reveal the offer letter from Bank A to Bank B and Bank C so that Bank B and Bank C could 'appeal' for a better package?

Affin Bank

vdfoo — Thu, 22 Jul 2010 12:01:18 +0800

hi, i'm considering take a home loan with affin bank.
i'm wondering if anyone has any experience using affin bank?

Boron

vdfoo — Sun, 18 Jul 2010 11:39:23 +0800

I have seen several negative feedback regarding the product in some Singapore forums.
Not sure if anyone bought it in Malaysia?
If yes, how is your experience?

fully furnish a new condo

vdfoo — Sun, 18 Jul 2010 02:41:34 +0800

i'm going to get my condo (3 rooms 2 bath rooms 1100sf) soon from developer. this unit is mainly for rental income purpose. i would like to fully furnish it. this is my first rental unit, never done this before, i can only think of the following:

washing machine - rm1000
fridge - rm1000
air cond 2 units - rm2000
dining table set - rm500
sofa set - rm500
cupboard - ?
bed - ?
tv - ?

i'm trying to list out all the items potentially needed and the budget for it, can anyone enlighten me?
thanks

Quantum Leap Program

vdfoo — Sun, 11 Jul 2010 20:21:15 +0800

Hi, I've just attended Millionaire Mind Intensive.

I have already made 2 very important decision in my life (firstly, is to terminate a side business that gives easy money to me; secondly start another new business)
I'm now considering whether to join Quantum Leap. i'd like to invite graduates from Quantum Leap to share to give me some experience. I didn't sign up on the spot because i dont have enough money.

I'm most interested in Enlightened Warrior and secondly Ultimate Internet Boot Camp.
What I understand is there will be a lot of physical activity in Enlightened Warrior (such as martial art + physical challenging games), the issue is...I actually have a black belt in martial arts and went through National Service (which covers a lot of physical challenging games). What are there in the training apart from martial art + physical challenging games. How effective Enlightened Warrior will be for me?
Secondly, I have been in IT industry for few years as a software developer. I (humbly) believe I know about IT a bit little more than an average person. So, how much can I get out from Ultimate Internet Boot Camp?

*for those who didn't attend his Quantum Leap and planning to give negative feedback - "thank you for sharing"

2 unit across the street

vdfoo — Thu, 08 Jul 2010 16:17:21 +0800

hi sifus, i have recently placed a small booking in a new condo launch (Condo A). the price is 210k. i'm getting a 100% loan, all fees are paid by developers, free kitchen cabinet, only have to fork out interested during construction (however my plan is to get a flexi loan and dump in my extra cash, so not too much worries about the interest). my objective is to get rental rather than flipping it. story part 1 ends.
today i saw a unit (Condo B) just across the street of the condo i've booked. it's going for 168k (asking price). the rental can up to 1.3k if fully furnished. this unit has no kitchen cabinet, no air condo. just some furniture. very basic one.
so let me put this in point form of the pros and cons, let sifus advice which is more worthwhile for consideration:

Condo A
=======
pro:
- got 100% loan
- developers paid all fees
- free kitchen cabinet
- room for appreciation
- got amenities at ground and 1st floor
con:
- under construction
- rental might only break even in first 1-2 years

Condo B
========
pro:
- almost for sure to get positive cash flow
- completed, rental income come in immediately
con:
- not much room for appreciation compare to Condo A
- need to fork out a lot of money for the purchase
- no amenities

both properties are very identical, freehold condo, just across the street, 1 min walk (i guess). so which one worth investing more?

kwsp withdrawal

vdfoo — Wed, 07 Jul 2010 16:14:42 +0800

hi, regarding kwsp withdrawal. i heard from different people saying different things.
my sis told me kwsp (account 2) withdrawal can only be done once for all the amount in account 2, the consequence times will be 20% remaining.
while my friend told me kwsp (account 2) withdrawal can be done every 3-5 years to clear all the money in account 2
which is true?

semi flexi loan

vdfoo — Wed, 07 Jul 2010 11:12:50 +0800

hi, i was under the assumption that in semi flexi loan, the borrower needs to write in to:
1. make extra payment - to knock off principle
2. withdrawal of money

however my broker told me that only withdrawal needs to write in and wait for few days. making extra payment - to knock off principle can be done anytime. is this correct?

*yes, i know i will have to refer back to offer letter / loan agreement. i have yet to sign any loan, trying to get to know how semi flexi loan works.

bank progressive disbursement

vdfoo — Sun, 04 Jul 2010 15:53:23 +0800

hi, i'm buying a high rise on 15th floor, there is something called progressive disbursement from bank. i wonder how that works? i have no idea how it works, but logically i guess, once the foundation is done, bank will disburse 10%? then when it is constructing till 15th floor, bank will further disburse certain % to developer? am i right?

interest portion of installment - file income tax

vdfoo — Sun, 04 Jul 2010 15:44:09 +0800

hi, every year when we do e-Filing, there is one column for "Faedah Pinjaman Perumahan (mesti memenuhi syarat-syarat kelayakan)"
i assume i can calculate my interest portion and put into here, but what are the syarat-syarat kelayakan?

lock in perid

vdfoo — Fri, 02 Jul 2010 10:00:29 +0800

i have a question about bank which offers loan that comes with 3 years lock in period or 5 years lock in period. assuming a person is buying a high rise from a developer, he is taking a loan with 3 years lock in period (and it takes 3 years for the construction). note that during the construction period, developer bear the interest. it takes 3 years for the high rise to be completed. my question is, after 3 years (upon completion of the building), can this person refinance without any penalty? which means the 3 years period starts counting at the moment when the person take the loan or it will be 3 years after the building in completed?