Lowyat.NET: Latest topics by Kalimuthu

WTB GALAXY TAB 3 8.0 Casing/Flip + Screen Protect.

Kalimuthu — Wed, 02 Apr 2014 16:11:57 +0800

Item(s):GALAXY TAB 3 8.0 Casing/Flip + Screen Protector

Price: Offer me PM or watsapp

Dealing method: Preferably COD

Location: PJ/DAMANSARA/KL (Masjid Jamek LRT)

Contact method/details: 0 1 2 3 zero 7 14 1 0
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Item(s) conditions: NEW/USED

[WTS] EVGA Nvidia GTX460 1GB Factory Overclocked

Kalimuthu — Tue, 29 Oct 2013 14:00:10 +0800

Sold

RPGT and Stamp duty forecast

Kalimuthu — Sat, 15 Sep 2012 15:14:35 +0800

Not sure if this has been posted.

QUOTE

THE coming Budget 2013 is expected to address two interesting issues - how to curb the speculative property market and how to address the issue of affordable housing.

In a recent report, Kenanga Research says market talk is that the Government will consider hikes in real property gains tax (RPGT) and increase stamp duty for house purchases.

The research unit opines that Budget 2013 measures will likely address the affordable housing segment such as the 1Malaysia People's Housing (PR1MA) and My First Home schemes.

Kenanga in its research report says: “We foresee the Government hiking RPGT to indicate its willingness to reign in property prices.”

However, the research unit says across-the-board hike in buyers stamp duty is unlikely as it will hurt the first-time home owners' market, unless the stamp duty hikes are tiered according to house prices and first home-ownership status.

Low cost housing is capped at RM42,000, while affordable housing cost between RM85,000 and RM300,000.

Last month, Housing and Local Government Minister Datuk Seri Chor Chee Heung said the Government would not hesitate to tighten fiscal policies to curb property speculation, and ensure reasonable and affordable property prices.

He noted that most Malaysians felt property prices were “far too high” and wanted the Government to look into this.

During the 15th National Housing and Property Summit, Chor said the Government was expected to allocate more affordable housing projects such as the People's Housing Project (PPR) and PR1MA in the coming budget.

He added that the maximum household income of RM2,500 eligibility for PPR houses might be too low nowadays.

“Perhaps the maximum eligible household income for PPR houses can be increased to RM3,000,” Chor said.

Rising prices and affordability are issues being grappled by the Government and the private sector.

It should be noted that the Real Estate and Housing Developers' Association (Rehda) has proposed measures for Budget 2013 that are aimed at reducing business costs for property developers in order for property prices to be managed at more affordable levels eventually.

Rehda has proposed that private utility companies should not be imposing capital contribution charges on property developers, which are presently required to lay infrastructure in their projects.

Rehda points out that the duty of providing infrastructure such as sewage treatment plants and surrendering land for power substations add to development costs.

Based on its research, compliance costs payable to various authorities can be as high as 30% of the selling price of the housing units.

“All these contributions imposed on developers would eventually be passed on to buyers, thus increasing the prices of properties,” REHDA says.

Rehda has also proposed that developers be relieved from the role of providing low-cost housing, as well as an automatic release mechanism for unsold bumiputra units to the open market (50% of unsold bumiputra units to be released after six months from the sales launching date, 25% to be released after 12 months and the balance 25% to be released after 18 months).

Rehda has also asked for a reduction of stamp duty rates for property transfers, which the association says would help to lower the costs of home ownership, encourage house purchases and help sustain home affordability levels.

It was noted that the majority of annual residential property transactions were below RM300,000 (more than 78% in 2012, and more than 75% in 2011).

However, National House Buyers Association (HBA) secretary-general Chang Kim Loong tells StarBizWeek that there should be hikes in the RPGT and stamp duty rates, in order to curb excessive speculation in the property market.

HBA has proposed that RPGT be increased to 30% for the first two properties sold within two years after acquistion or completion (whichever is later).

“Subsequently, RPGT rates should drop to between 10% and 20% for the first two properties sold after the first two years, but within the first five years after acquistion or completion (whichever is later). There should be no RPGT after five years.”

HBA has also proposed that for the third and subsequent properties sold within 10 years, RPGT should be at 30%.

“After 10 years, there should be no RPGT.”

HBA also wants the current stamp duty rates to be maintained for the first two properties.

However, HBA has proposed that stamp duty rates to be increased to 5% of the purchase price for the third property, 7.5% for the fourth unit, and 10% for the fifth and subsequent properties.

To further curb property speculation, HBA also proposed tighter lending guidelines by imposing a maximum loan-to-value (LTV) ratio of 60% for the fourth housing loan, and a maximum LTV ratio of 50% for the fifth and subsequent house financing facilities.

Chang says HBA's proposals will not punish genuine house buyers, or those who buy for long-term investments, or to fund their children's education.

He also says HBA sent numerous proposals to the Government to increase the supply of affordable housing.

“We have called for the Government through PR1MA, to ensure that the maximum allocation for affordable housing is set aside when land is unlocked for property development.”

Chang also voiced his concerns about vested interests lobbying to build commercial properties such as shopping complexes and high-end properties when the government unlocks its land bank.

He has also asked for more incentives for property developers who build affordable properties such as lower tax rates.

“Incentives for lower income earners to buy their first property can include preferential interest rates,” he says.

Chang also opines that there is currently a huge mismatch between what the average household income can afford compared with what is available in the market.

“A homeless generation will emerge to create various social problems,” he says.

Based on HBA's estimates, he says families with a monthly income of less than RM3,000 a month can only afford a house which costs less than RM150,000 while those with a monthly income of up to RM6,000 can only afford a house which costs less than RM300,000.

“Based on government statistics, these numbers makes up almost 80% of our working population.”

The concerns surrounding affordable housing was brought up by Deputy Finance Minister Datuk Donald Lim Siang Chai who recently said that affordable housing would be a Budget 2013 highlight.

Lim says the Government had proposed to increase the limit of house prices under the My First Home scheme from RM220,000 to RM400,000 to fulfill the needs of those earning below RM3,000.

Property consultancy CB Richard Ellis (M) Sdn Bhd executive director Paul Khong says that increasing the limit of house prices under the My First Home scheme to RM400,000 for purchases within Klang Valley and Penang may be more relevant in today's scenario.

“House prices have moved up substantially over the last three years. The amount of up to RM220,000 may not be too meaningful especially for residential properties within the Klang Valley areas,” says Khong.

http://biz.thestar.com.my/news/story.asp?f...57&sec=business

Feedback ? Inevitable?

Problem?

Kalimuthu — Sun, 18 Mar 2012 02:04:38 +0800

http://www.youtube.com/watch?v=KinmQNdOULc

*fail

if ive linked wrongly someone might wanna relink it again

The overweight criminal!

Kalimuthu — Wed, 22 Dec 2010 14:40:06 +0800

Hello boys and girls,

I guess its about time i start my own journal here to keep up with my progress. Let me tell you a little bout myself. When I was way younger in school, I was very active in sports. Represented my school in soccer for under 12 under 15 and under 18. Badminton for under 12 and under 15. I wasn't that thin back then, but i would consider myself fairly fit for someone at my age back then.

Then came counter-strike, got hooked on to it and stopped playing any form of outdoor sports anymore. This dragged on to WOW and i was my heaviest at 106kg after 2 years of WoW. Went abroad to continue my studies (quit all forms of online gaming) and weight dropped to 85kg due to food control and lots of daily walking to and from uni.

Started work in mid 2008 and stopped controlling my food intake, just whacking everything in sight. Heavy breakfast, heavy lunch, heavy dinner, heavy supper. You name it i've done it ! Weight spiked up to 97kg!

Started to get breathing difficulties early this month and I knew something was wrong with me. Saw the doctor and he told me I should really change my lifestyle.

And here I am. Read through multiple threads on this forum and various other forums and basically have come up with what I should do.

Some of the things i have changed.

Totally cut down on rice and white bread. Only have wholemeal once in awhile. Probably 6 slices a week at most?
Broken down my meals to 6. some rough guide to my meal selection will be.

Diet

9am - Capati 2/3 eggs,

11 am - some fruits. mainly either pear, apple or handful of grapes sometimes

1-2pm - chicken breast / grill fish coupled with 2 egg whites and some vegetable (I work next to an indian restaurant) Always i try to pick their "green vegetables" that arent drenched with oil ie. spinach, banana leaves, okra and some other stuff.

4pm - more fruits

7pm - dinner is very light. would either grill my own chicken breast with some vege or some stimmed fish, when eating out i try and find something similar

10pm -11 pm (supper) - some IKO multigrain biscuits.

Ive never had a sweet tooth, so the only fluid that goes into my body is water. Don't really eat cake/sweets.

Supplements

Decided not to rely on any form of fat burners. Determined to do this the natural way. Only 2 supplements that i'm taking daily are 3mg of fish oil and some multivitamins.

Workout

I try to do cardio at least 5 times a week. Sometimes twice daily. Mixture of jogging and running for 6 km. Usually covered in 45-50 minutes. I try to mix in some HIIT in between my sessions. Still some pain on my legs (ankle, knee, front shin) but i know this pain will eventually subside. I try not to push myself too hard when the pain becomes unbearable so I would just sit and wait till the pain subsides. I cant run for too long periods of time. Probably about 200 meters of sprinting and slow jog before i run short of breath and walk for the next 30 seconds and i repeat this routine for entire duration.Lack of breath probably due to one of my activities listed below.

Planning to start weights after i've hit 85 and built up some stamina.

Vices
I still do drink some beer, but nothing compared to before. Once or twice a week maybe about 3 pints a night, i try to drink slowly haha. If its whisky, i try to mix mine with water instead of coke/green tea. (I can't drop this, still need to go out and socialize once in a while). I still smoke as well (will quit soon). Trying very hard but its not something i can just kick overnight something that i've been doing for the past 10 years.

Progress

Starting weight was
98.4 on 08/12/2010
96.9 on 14/12/2010
95.5 on 21/12/2010
97.2 on 10/1/2011
94.2 on 22/2/2012

My goal would be to hit 75 by July as im planning a trip somewhere special, and going further down to a healthy level back to my TEENAGE DAYS!

Have some photos taken when i started my routine and will take photos every month to look at my own progress, but won't be posting up any atm

Any tips guys/girls? Will keep updating on a weekly basis

AirCon aka AirAsia

Kalimuthu — Sun, 18 Jul 2010 12:04:12 +0800

Just heard from a buddy it is confirmed that AirAsia is gonna start charging you for check-ins over the counter at RM10. Prebook check in @RM5. "trying to encourage online check in" it seems.

New charges will start early/mid august.

I guess whats coming after this. RM5 to use toilet on-board maybe?

Another way for AirAsia to screw us over

PS3 playable on laptop monitor?

Kalimuthu — Sat, 09 Feb 2008 22:11:31 +0800

I was wondering if someone could tell me if its possible to play my ps3 on my laptop. I'm a student and my tv is in the hall, but i prefer to play my ps3 on my lappie in the comfort of my own room . I don't have a hdmi input on my laptop, just 15 pin slot on the back of my laptop. If its possible, could anyone please tell me what cables do I need ?

Thanks !

Newcastle

Kalimuthu — Fri, 07 Sep 2007 04:18:05 +0800

Anyone else heading off to newcastle this week ?

need dvd

Kalimuthu — Sat, 11 Aug 2007 01:58:28 +0800

anyone around the pj area mind borrowing me the dvd, ill come pick it up

JEDI community server.

Kalimuthu — Mon, 09 Apr 2007 22:19:25 +0800

lol malaysia community server invaded by singaporeans : /

aztech dls600e and dlink wireless router di524

Kalimuthu — Fri, 01 Dec 2006 01:22:32 +0800

Ive been trying to setup my wireless router that i just got today, but ive been having problems connecting to the internet whenever i have my router plugged in. followed everything in the manual. whenever i try to login all it says in connecting .. and follows up with "DISCONNECTED"
something must be wrong . what exactly is bridging.?

Mouse Pointer moving slow and jerky

Kalimuthu — Wed, 25 Oct 2006 15:34:10 +0800

This just started happening yesterday out of the blue . I even reformatted my computer last night but that did not solve the problem either.Tried switching to another basic optical mouse, same problem . I never messed around with mouse settings either, someone pls help me ill be getting my razer mouse tomorrow . i dont know if its messed up on my hardware side or my os

bf2142 live ; /

Kalimuthu — Tue, 17 Oct 2006 14:18:09 +0800

still no live servers up yet.... everyones still playing demo