Lowyat.NET: Latest topics by Mollai

Maybank Fixed Deposite Premature Uplift

Mollai — Thu, 21 Sep 2023 09:59:24 +0800

Hi everyone,

Not sure if this is the right place to post, but I couldn't figure out on why my uplift amount is lesser than my principal amount when I would like to uplift my FD.

I have a few FD placements, but this example in my screenshot here gives a clear interpretation. From 10k becomes 9815.03.

[attachmentid=11479627]

Placement date: 27 Jul 2021
Maturity date: 27 Jul 2026
Term: 60 months

I understand that Maybank has a T&C for premature uplift, which I understand that I may not earn any interest if given no notice, but there is no clause stating that there will be a penalty and amount will be deducted from my principal.

Moreover I am giving 31 days notice, which I should be entitled for 50% of the contracted interest. (Maybank FD T&C: https://www.maybank2u.com.my/iwov-resources...ct/FD_Rule.pdf)

Putting the interest aside, it doesn't make sense to me that my uplift amount will be lesser than my principal amount.

I have highlighted this to Maybank and awaiting their response, but would hope that anyone who understands this can let me know if I have a wrong understanding on how FD works. I have always been told FD is the safest place whereby money grows slow but definitely won't reduce.

1BR or 1+1BR better in Mont Kiara?

Mollai — Fri, 05 Nov 2021 23:40:02 +0800

I initially tumpang-ed on someone else’s thread, but thinking it wasn’t quite relevant there hence I’ve decided to create a new thread for myself. Hoping that I can get some constructive advices from the sifus here.

I recently have been considering to move out from my parents’ home, and the thought of getting a property came to my mind since I’ve heard around that the market now is not doing really well and should be a good time to enter.

I’m looking at MK area, considering its convenience: near to KL where I work and it has my usual hangouts. I can just walk to get my necessities.

It’s very high likely that I won’t be settling down in KL, so my plan is just to get a place for myself.
I don’t really need a big place, but I do enjoy cooking so studio is not a good option.
Now I’m contemplating between 1BR or 1+1BR / 2BR.

Considering that when I relocate to another city, the unit would be rented out. May I ask which has better rent potential, 1BR or 1+1BR?

I went to look at a few property websites to see if I can get anything within my budget. I’m looking at below RM750k, preferably RM600k+. Low density (below 500 units).

2BR/ 1+1BR
Pros
- extra room can be a guest room, study cum store room. I prefer to have an organized storage system so an extra room is good.

Cons - mostly the listings within my budget are quite old, eg I-zen, Tiffani, Bayu, Solaris Dutamas
Verve Suites - I personally don’t like the interior design, doesn’t feel homey to me.
Laman Suria - not really at a good location.

1BR
Pros
- newer projects

Cons
- high price psf
- smaller size, less storage space.

Options: Arcosis, Gateway Kiaramas, The Ooak

So since this could be for future investment, dear sifus, which layout would be better in terms of renting out in the future for this area?

Feel free to comment or suggest, shed me some light as this is my first time looking at properties. I would appreciate any of your insights.

EPF Withdrawal by Nominee

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

EPF Withdrawal by Nominee

Mollai — Sat, 09 Jan 2021 10:55:51 +0800

Hi everyone, not sure if this is the right place to ask, but I hope I can get some help here.

My mom lately has been diagnosed with terminal disease and hasn't been doing well. She wants us to help her withdraw her KWSP funds. She is 62 yo and reached the age to withdraw however given her current condition she is immobile, it is even very difficult for her to walk to the toilet. I know wheelchair is an option but she is in constant pain so we would hope to have an option that doesn’t require her to be physically there.

I couldn’t locate any information in KWSP website, and it’s only nominee withdrawal after deceased. I am her nominee but I hope to withdrawal before anything happens to her so she can spend the money at her will.

Anyone knows if KWSP allows withdrawal on behalf of member if member is immobile?

[WTS] KlIA Express One Way Ticket

Mollai — Wed, 19 Sep 2018 21:35:34 +0800

Item(s): KLIA Express ticket KLIA to kL Sentral (can be use the reverse way)

Package includes: will send the ticket when payment received

Price: [color=red] final price RM 38 (usual price RM 55 for one way)

Dealing method: PM or whatsapp 0173678033. Will send the e ticket once payment received

Reason for sale: used other transportation hence didnt use the ticket

Ticket expires 13th Oct.

WTS - NEW Dark Navy Dress

Mollai — Mon, 16 Jul 2018 19:13:50 +0800

Item(s):Dark Navy Dress (Looks like black)

Description: Size S (fits M size better, may refer to doublewoot website for the measurement of this dress)

Price: ~~RM100~~ RM 90 (not including postage)

Warranty: N/A

Dealing method: COD at KLCC area or postage

Location: KLCC / KL area / Bangsar PJ area / Gombak

Contact method/details: PM
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Item(s) conditions: Brand new

Picture: may refer here https://cdn-doublewootenterp.netdna-ssl.com...ienna-navy.jpeg

Reason for sale: first time buying drom DW.. abit loose for me.

Reliable Nigh Bus from Penang to KL

Mollai — Sat, 30 Jun 2018 14:21:44 +0800

A good friend of mine just threw me a surprise informing me that she is getting married, venue at Penang.
Now the challenge is I have a trip booked with other friends to go Tenggol the day after (departing from KL in the morning to catch the first ferry).
I'm considering to take bus as although flight duration is short, I need to travel to airport and train or cab back home. It doesn't allow me to get much rest. And I'll be travelling alone, don't forget my female tag too.

So, I'm asking for recommendation on night buses from Penang to KL. I don't mind the price, but I couldn't find any luxury coaches departing late after 10pm.

Loan Penalty due to Cancellation

Mollai — Tue, 02 Jan 2018 18:28:04 +0800

Hi all,

I'm hoping to get good advices here.
I recently intended to purchase a property, paid booking fees and sign LO. However, when I was about to sign S&P, I realized that the beside the unit has a M&E Services room which was not drawn in the floor plan on the brochure.
I am not keen to proceed with the purchase, because one of the windows in one room will be facing that M&E room, which totally makes the window redundant.
The developer had agreed for a full refund, but what I am concern now is being penalized for cancelling my loan. I need to pay RM2k, and I feel that it was not even my fault. The developer's misleading or false floor plan caused me to lose 2k just like that.
I will try to call/write to the Bank and see if anything can be done, but hope that anyone can give me advice too.

Thanks.

Types of Housing Loan

Mollai — Thu, 07 Dec 2017 12:51:55 +0800

Dear all sifus,

I have recently decided to make the largest purchase in my life. But before that, I hope you may help me with some queries.

What are the types of housing loans available?
I have an offer by MBB with 4.25%, flexi loan. I will most likely be taking this offer, but would like to know what clarifications required with my banker before I sign the documents.
I practically know NOTHING about housing loans, but I just hope to get a place when I still can afford with the monthly installments.

I have sorted the MRTA and monthly installment amount. The rest, I have no clue at all.

And yes, it's quite a rush decision, because I need to sign the S&P by 23rd to enjoy benefits from the developer, and it wasn't easy for me to look for something like this property that met most of my requirements (I almost gave up looking for one). Hence, I need to sign loan offer before next week.

Thank you in advance.

/help/ Conned by Tow Truck Driver

Mollai — Fri, 01 Dec 2017 17:24:49 +0800

My friend met an accident ytd that his car drove up the round about. A random tow truck appeared and helped him to tow his car. Nothing was signed, but today when he went to make police report, it felt like the tow truck driver paka woth the sergeant and demanded RM1000 for duit kopi if not will investigate that my friend DUI, which he did had some drinks before driving.

My friend paid, but now another issue is the tow truck driver is demanding another 1500 as my friend wish to tow his car to his known workshop. I told my friend nothing was sign and he can collect his car without paying, but my friend worried about his report hence do not prefer this option.

Any advices what my friend can do instead of paying the 1500? Btw, my friend in KK and never met such accident before, not even his friends (that’s why his friends that the driver tow the car while my friend went hospital to treat his injuries) :facepalm:

Parking

Mollai — Tue, 14 Nov 2017 08:30:44 +0800

Need help on finding parking options around Menara Prestige.
The building has flat rate before 9am, but I my working hours are not fixed, hence I wont be able to enjoy the rate.

Anyone know the nearby rates? Or season passes to let go?

Please help~~

Where to buy props?

Mollai — Mon, 06 Nov 2017 15:24:11 +0800

Anyone know where I can get something like an ancient scroll?
Company doing an event with ancient theme. Hoping to get one so we can read the winners from scroll.

Can I call police?

Mollai — Mon, 16 Oct 2017 22:49:27 +0800

Staying at a landed property, i hear noise from the alley behind through my kitchen. I saw silhouette of flames through the windows but couldnt see clearly because my windows are matte (not sure if im using the right word but cant see clearly one la, old school type of windows).. i woke my parents up then only i dare to peep through my window... i saw a few small piles of trash burnt and the piles had a distance of 1m between each pile.. not sure if im thinking too much and influence from hk detective dramas, im thinking it may be some signals for robbers..

For those who felt tldr, cut it short, i hear noises from my back alley, can i call cops to ronda?

Wireless Earphones for Work Out

Mollai — Tue, 03 Oct 2017 09:32:00 +0800

Not sure if I'm posting at the right place, but I'm seeking recommendations from workout freaks on wireless earphones that are sweat proof. I have read a few like Jaybird X3, Jabra Rox, Jabra Sport Coach, but most of them have reviews about faulty of the products not really sweatproof and had to send them back for warrantee.

Any recommendations? For someone who sweats alot...

WTS Birkenstock RM50 Voucher

Mollai — Sat, 28 Jan 2017 00:45:21 +0800

Item(s): Birkenstock RM50 voucher

Price: RM20

Warranty: NIL

Dealing method: COD In KL

Location of seller: KL/Gombak

Contact method/details: whatsapp 0173678033

Age of item: Valid until 12th Feb

WTS Birkenstock RM50 voucher

Mollai — Sat, 28 Jan 2017 00:44:15 +0800

WTS Birkenstock RM50 Voucher

Mollai — Sat, 28 Jan 2017 00:43:10 +0800

WTB Olympus 25mm f1.8

Mollai — Sat, 19 Sep 2015 20:26:20 +0800

Looking for this lens for my EPL 7. Offer me.

<WTS> Jeunesse Reserve - Redefining Youth

Mollai — Tue, 18 Aug 2015 12:55:28 +0800

Item(s): Jeunesse Reserve

Package includes: 30 sachets/box

Price: RM230/box

Best price if you buy 3 boxes - RM220/box

Warranty: All boxes are sealed.

Dealing method: COD in KL

Location of seller: KL

Contact method/details: PM or whatsapp 0173678033

Age of item: Brand new

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Item(s) conditions: Box are sealed

Picture:

Reason for sale: I bought for own consumption, but had to buy extra to get cheaper price. I have 20boxes on hand to let go.

Personal review : I finished 1 box, and one thing I realized is that my ulcer that is caused by my braces, isn't as bad as before. My braces pokes at my cheek and it brings me pain, but recently I don't feel that much of pain, and when I check the injured spot, it seems to be recovering despite being poked by the metal everyday.

My sisters are taking this product too. It helps their bowel movements everyday.

Online review : http://beauty-junkie.net/reserve-drink-you...st-impressions/

Anyone dated Koreans before?

Mollai — Sun, 27 Jul 2014 12:11:17 +0800

As per topic.... Anyone?

Mind to share things like what are the differences between Msian and Korean guys?

A Korean asked me for a movie date, suggested to watch Planet of the Apes. But with all the bad reviews I've heard, I asked him to pick another movie. He's not really fluent in English, so romance and comedies might be hard for him. Any recommendations?