Lowyat.NET: Latest topics by ych91

Heavy dilemma

ych91 — Wed, 03 Jan 2024 04:32:54 +0800

Hi guys,

I have been having trouble sleeping for the past week or so.

Story is like this:

My wife and I have been working really hard for many many years and we’re proud to finally get a taste that we’ve made it in life. So we bought our dream house (rcvd the keys in 2022) and planned for our dream renovation (in the millions) but we have really just begun putting down the renovation deposit in Aug’23 due to our workload. But things quickly took a bad turn..and everything seems to come crashing down on me

Long story short, due to personal & mental health considerations (job was really really stressful and we only did it for the money & nothing else), we decided that we have to let go our sole income stream in pursuit of a better life ahead. We really cannot take it anymore, if we do continue on that path of chasing money (it’s never ending btw) we can already foresee that our marriage & health will take a major toll n it has already started showing signs of giving way…we have decided IT IS TIME TO STOP BEFORE ITS TOO LATE..

So we finally quit our multi-million money making machine business in Oct’23 and I have since ventured into my real passion..or should I say I just realised that I’m really keen to learn/interested to become a full time trader. Although I have yet to see any solid results yet, but I’m really happy to finally be able to pursuit my passion.

My dilemma now is that:-

1) Should I put off the renovation since we have lost our earning power (used to earn 6 figures/mth) and now totally 0. We have a networth of approx 7.5m currently but after careful budgeting I realise that we could end up with ~4-4.5m MAX after the reno.

2) Due to the fact that I really see trading as my passion, is the extra cash savings from putting off the reno significant to impact my trading potential in the future? Or am I just thinking too much?

Notes:
1) My monthly budgeted expenditure is about RM20k.
2) Its not so much about survival after the reno but is it true that extra 3m in cash reserves can really help me in the future or am I just being too thrifty or think too much?

Please ask me any further questions I will answer to the best of my ability. Sorry for the long write up and bad English but I’m really desperate for answers now I don’t know what I’m thinking

P/s this is definitely not a show off kinda thing and definitely not trolling you guys. I think I really need help with my mindset. Many thanks…

Home Interior Design

ych91 — Mon, 05 Dec 2022 00:28:35 +0800

Dear /k,

I’m thinking to engage an interior designer for my new house, a triple storey semi dee which is about 12 years old. Basically it is a subsale unit and the current design is outdated and is not up to our standards.

As this will be my first time engaging such services, what do I have to look out for before committing to one?

What is the industry norm when it comes down to payment scheme and how do I negotiate to potentially safeguard my interests?

Any ID horror stories to share for those who have experience?

Fourth property for own stay

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

Fourth property for own stay

ych91 — Sat, 21 Aug 2021 17:16:47 +0800

Hey guys…

Need some advice on the following…if you have a few mil in spare cash and would just like to look for a decent freehold semi dee in CBD area, budget approx ~2mil…where would you go for hunting?

Some details are:-
1) I’m running a steady business, WFH;
2) Would prefer an area with amenities nearby and not too far from city centre;
3) Preferably Chinese neighbourhood with mixture of other cuisines ie. Japanese Korean food available nearby;
4) I’m quite a risk averse person, despite I can afford it, I’d stick to a budget < 2.2m so I can have a total peace of mind after purchasing said property;
5) Given the fact that there is limited supply of new landed developments at matured areas, I’d most probably have to go for a subsales unit…hence my question would be, how do I find out whether the asking price is appropriate/possibly below market value..?

Last but not least, what should I look out for when considering a subsales unit that I would like to renovate extensively to my own liking, eg. I have visited quite a few old and dated units where the ceiling height seems to be quite low to me, which I don’t think there is any way I can renovate to change that, or am I wrong?

Any suggestions on which area I can probably lookout for will be much appreciated

Serious discussion btw

Very much thanks in advance!

BEVERLY HEIGHTS @ AMPANG

ych91 — Fri, 13 Aug 2021 08:14:06 +0800

Dear forumers,

I am currently looking to upgrade to a semi dee for own stay and had stumbled upon this project here at Ampang.

Given its standard semi d land size (40x80) and huge built up ~5k (also comes with a private lift as well), I find that its subsale price is relatively cheap starting from 1.9mil and there are quite a few units currently available on subsales as well. Some of which are bare units that I can renovate/ID them to my likings.

Of course I am no expert when it comes to the term ‘relatively cheap’ as I have been comparing this one with the other semi dee @ Bayu Damansara, Damansara Damai which is going for about 2.1mil, similar in land size and built up as well. However I think that the fact that its located @ Damansara Damai is a turn off for most people as I have heard many horror stories of the traffic jam within Damansara Damai’s 1 and only exit point.

Can anyone familiar with these areas shed some light on these 2 projects, especially Beverly Heights. What am I missing here? Why is there still bare units unsold?

Thank you guys in advance and have a nice day ahead

Demolish & Rebuild

ych91 — Fri, 23 Jul 2021 08:56:15 +0800

Dear forumers,

I am currently eye-ing on a particular double-storey freehold bungalow lot in Kepong. However, due to the condition and layout of the property which is pretty much run down and outdated (I think it’s easily >30-50yrs) I am considering to fully demolish and rebuild my own on that piece of land which is 50x90 and the original property is ~3500sqft built up. I will need advise on the following:-

1) Demolition cost involved (this is very important as it is a cost by itself and it will never add value to the property in future, correct me if I’m wrong);

2) Estimated construction cost to rebuild a double storey bungalow layout of about the same built up, complete with plumbing, wiring and the essentials, just like a new house;

3) Due to the back of the house is extended to the maximum (old school practice where people will just extend all the way out till the end ), which is right till the walls bordering the neighbour behind, is it even legal for me to demolish at the first place? I want a layout complying to the current applicable laws and leave some space behind.

4) When everything is done and I have built my own on that piece of land, how would that affect the value of my property in the future?

I will need serious advise from sifus in this field for my decision making process on whether or not it is worthwhile to buy this particular piece. I’d rather buy a piece of land and build from scratch if the demolition cost is hefty.

Very much thanks in advance of any insightful inputs from all

Medical insurance for foreign spouse

ych91 — Sat, 21 Nov 2020 14:38:46 +0800

Dear fellow forumers,

As per topic, I am currently shopping for medical insurance for my wife (a Vietnamese), 24y.o past birthday, housewife, non smoker, permanently residing with me here in Malaysia.

Did some research on my own comparing between standalone vs ILP and decided to go for a standalone medical card instead, but am still open for any thoughts/suggestions from experts in the field.

However budget wise is quite tricky as I am not too familiar with insurance as a whole so I will just benchmark against my own premium of 250/mth, which is an ILP from Allianz bought 5 years ago by my parents while I continue to serve the premium til this date.

What can I expect from this budget and what should I look out for when purchasing ANY insurance for a foreign spouse?

P/S: Knowledgeable agents with constructive inputs are welcomed to this discussion or even PM me for a private discussion as I am also looking into reviewing my own policy and that of my parents’. HOWEVER, to those who are serious please be prepared to be bombarded by lots of questions and hence the keyword here ‘knowledgeable’ as I had a hard time communicating with my parent’s agent

Any inputs would be much appreciated

[WTB] 2020 Jay Chou Bukit Jalil Concert Tickets

ych91 — Thu, 02 Apr 2020 06:44:20 +0800

As per title,

Looking for 2 tickets seated side by side for me and my wife. PM me your offers TQ

2020 Jay Chou Carnival World Tour Bukit Jalil

ych91 — Thu, 02 Apr 2020 06:37:30 +0800

As per title,

This is my first time that I ever wanted to go to a concert as he was my childhood idol

Based on the seating plan, I’d like to get hold of 2 pcs of ticket for me and my wife, preferably at the VVIP section of Block A3 if possible. This could be my very first and last time attending a concert event in my entire life anyways

The problem is that as I check out the official ticket sales channel, the tickets have already sold out and I came across these 2 platforms namely Viagogo and Stubhub where I can still find the tickets available albeit at an exorbitant price lol

I’d like to know if any of you guys ever bought any event tickets from any of these platforms??? How far are they reliable or if its a scam?

Any other ways that you guys have managed to buy a ticket for any concerts that have already been sold out..???

2020 Jay Chou Carnival World Tour Bukit Jalil

ych91 — Thu, 02 Apr 2020 06:34:54 +0800

2020 Jay Chou Carnival World Tour Bukit Jalil

ych91 — Thu, 02 Apr 2020 06:32:14 +0800

Transfer whatsapp chat from android to iphone

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

Transfer whatsapp chat from android to iphone

ych91 — Tue, 21 Jan 2020 04:45:02 +0800

Hi guys,

Recently I’ve just bought an iphone 11 for my wife and I’ll be using her XS Max.

Will need some help transferring all data (not only whatsapp) from my Oppo R9S (running on Android 6) to the new phone including but not limited to messages, contacts, photos, screenshots, videos, especially whatsapp images in my photos

I do know about the ‘move to ios’ app but also read alot of negative comments about it in the app review so am not too sure whether it really works or not

Another issue is with the transfer of whatsapp chat history... Some googling around leads me to this app called backup trans... It seems to work from the feedbacks but I’m really not that tech savvy to be able to do it myself hence would need some help out from fellow forumers here

Anyone here knows how to do it (especially the chat transfer)??? I don’t mind if you use backup trans or not so long as able to get the job done... Also will need help to transfer messages contacts etc as well. PM me price or reply here if anyone knows how to do it, we can arrange for a meet up and cash on the spot once done

I don’t mind if it turns out the process is really simple, because I simply don’t have the know hows.. Btw I stay at PJ area yea

Transfer whatsapp chat from android to iphone

ych91 — Tue, 21 Jan 2020 03:38:44 +0800

Transfer whatsapp chat from android to iphone

ych91 — Tue, 21 Jan 2020 03:32:25 +0800

Transfer whatsapp chat from android to iphone

ych91 — Tue, 21 Jan 2020 03:27:57 +0800

Washing machine & Refridgerator

ych91 — Wed, 27 Nov 2019 02:46:26 +0800

Dear sifus,

As per title, am looking to get a decent washer dryer combo (around +-10kg wash load) and 450-500 litre fridge for my new place.

Currently only me n my wife n sister in law staying together...

For the washer dryer im currently looking at these 2 brands

1) Panasonic front load 10kg wash/6kg dry

https://www.panasonic.com/ph/consumer/house.../na-s106x1.html

2) LG front load 10.5kg/7kg

https://www.senheng.com.my/lg-10-5kg-washer...twc1450h2e.html

Anyone has experiences with these 2 brands..??? For me personally washing machine should be tougher than a fridge as it will involve alot of rigorous movement to its motor when in use.... Really don’t want to regret 1 to 2 years down the road coz its not cheap to begin with lol

And for those who have experience using washer dryer combo is it true that it’ll take up to 3 hours to wash n dry completely??? I thought I’ve read somewhere in the product description saying like 49mins quick wash or smth... Kinda confused too

As for the fridge, im currently eyeing at Panasonic 450 litre fridge which is this model

https://www.panasonic.com/my/consumer/home-...nr-bx468xs.html

Question is, should I go for Samsung or Sharp or other brands coz they r cheaper (~300-400ish) while also considered a well known brand. At least for me laa...just don’t und why Panasonic price range is like tat....or am I missing something here

Panasonic fridge very good ka...?????

Washing machine & Refridgerator

ych91 — Wed, 27 Nov 2019 02:37:52 +0800

Dear /k,

As per title, am looking to get a decent washer dryer combo (around +-10kg wash load) and 450-500 litre fridge for my new place.

Currently only me n my wife n sister in law staying together...

For the washer dryer im currently looking at these 2 brands

1) Panasonic front load 10kg wash/6kg dry
https://www.panasonic.com/ph/consumer/house.../na-s106x1.html

2) LG front load 10.5kg/7kg
https://www.senheng.com.my/lg-10-5kg-washer...twc1450h2e.html

Would like to get /k opinion on whether will go for Panasonic or LG brand for washing machine... Any experiences with this 2 brands..???For me personally washing machine should be tougher than a fridge as it will involve alot of rigorous movement to its motor when in use.... Really don’t want to regret 1 to 2 years down the road coz its not cheap to begin with lol

And for those who have experience using washer dryer combo is it true that it’ll take up to 3 hours to wash n dry completely??? I thought I’ve read somewhere in the product description saying like 49mins quick wash or smth... Kinda confused too

As for the fridge, im currently eyeing at Panasonic 450 litre fridge which is this model

https://www.panasonic.com/my/consumer/home-...nr-bx468xs.html

Question is, will /k go for Samsung or Sharp or other brands coz they r slightly cheaper (~300-400ish) but also considered a well known brand. At least for me laa...just don’t und why Panasonic price range is like tat....or am I missing something here

Panasonic fridge very good ka...?????

Car wash in PJ area

ych91 — Fri, 30 Aug 2019 18:47:37 +0800

Dear /k,

As per topic, I’m looking for a decent carwash in PJ area where I’m staying. Not necessarily premium carwash, the last I checked premium was too expensive for me ie. RM70

Budget around 30-40 will do. I tried Petronas Mutiara Damansara carwash as per recommended by a fellow forumer but i find that they didnt really do a good job interior wise...

Any other recommendations from /k?

Cameron > Ipoh > Penang > Hatyai

ych91 — Sat, 01 Jun 2019 17:54:24 +0800

Dear /k,

This is my first time posting in /k hoping to get some suggestions/recommendations on what our family trip should look like as I really got no idea where to go jalan2 at these places...

Planning to go next Wed, rough idea wud be 1st day = Cameron, Ipoh.. Then stay at Ipoh, next morn go Penang then reach Hat Yai probably night time... See got what to do there at night then find place to stay, next day 1 whole day need to plan what to do there.... Then back KL on Sat... Basically like that lar...

In b4 ask me to cheong, I'll be going with my mum, bro, wife n wife sis. Drive all the way...lulz

Heard Hat Yai is cheong place, if not Hat Yai then where else can we go yah. Please lekomen... Thanks /k