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        <title>Lowyat.NET: Latest topics by vinchess</title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Fri, 05 Jun 2026 19:25:13 +0800</lastBuildDate>
        <generator>FeedCreator 1.7.2</generator>
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            <title>Vincetography Photography Services</title>
            <link>http://forum.lowyat.net/topic/3905285</link>
            <description>&lt;span style='font-size:14pt;line-height:100%'&gt;&lt;b&gt;Hey y&amp;#39;all, my name&amp;#39;s Vincent, i&amp;#39;ve been doing photography on and off for a couple of years.&lt;br /&gt;Now I am starting my venture into more professional photography.&lt;br /&gt;Therefore, I am opening my services to any type of photography in my journey to build my portfolio.&lt;br /&gt;I will be providing all kinds of photography.&lt;/span&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;[attachmentid=6239358][attachmentid=6239359][attachmentid=6239361][attachmentid=6239365][attachmentid=6239366]&lt;br /&gt;&lt;br /&gt;I will cover any sort of photography like:&lt;ul&gt;&lt;li&gt; product (food, items, etc)&lt;/li&gt;&lt;li&gt; architectural photography&lt;/li&gt;&lt;li&gt; weddings&lt;/li&gt;&lt;li&gt; baby shower&lt;/li&gt;&lt;li&gt; events&lt;/li&gt;&lt;li&gt; birthdays&lt;/li&gt;&lt;li&gt; graduations&lt;/li&gt;&lt;li&gt; etc&lt;/li&gt;&lt;/ul&gt;Contact me for further details and booking.</description>
            <author>vinchess</author>
            <category>Services Noticeboard</category>
            <pubDate>Fri, 25 Mar 2016 23:17:14 +0800</pubDate>
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        <item>
            <title>[WTS] Nikon D90 + more</title>
            <link>http://forum.lowyat.net/topic/3890163</link>
            <description>&lt;b&gt;Item(s):&lt;/b&gt; Nikon D90 + more&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Package includes:&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;Nikon D90 (everything in box) SC: around 10k [need to check]&lt;br /&gt;Nikon MB-D80 (everything in box)&lt;br /&gt;2x Ori Battery&lt;br /&gt;AF Nikkor 50mm f/1.8D&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Price:&lt;/b&gt; RM2,250 nego&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Warranty:&lt;/b&gt; nil&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Dealing method:&lt;/b&gt; COD&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Location:&lt;/b&gt; Serdang or Sunway(on certain days)&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Contact method/details:&lt;/b&gt; PM&lt;br /&gt;---&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Item(s) conditions:&lt;/b&gt;good&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Picture:&lt;/b&gt;will update later&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Reason for sale:&lt;/b&gt; upgrade</description>
            <author>vinchess</author>
            <category>Digital SLRs &amp;amp; Lenses Garage Sales</category>
            <pubDate>Wed, 09 Mar 2016 22:12:43 +0800</pubDate>
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        <item>
            <title>NO MORE EXCUSES&amp;#33; Start Saving&amp;#33;</title>
            <link>http://forum.lowyat.net/topic/3790854</link>
            <description>Are you person A or person B?&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Person A&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;Claims he/she has no money to save&lt;br /&gt;Puts everything in bank&lt;br /&gt;Still can&amp;#39;t afford to go on holiday&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Person B&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;Saves a little everyday&lt;br /&gt;Diversify investment/savings&lt;br /&gt;Makes yearly holiday trips&lt;br /&gt;&lt;br /&gt;Whether you are person A or person B, it does not matter. What matters is whether you are taking action.&lt;br /&gt;&lt;br /&gt;Have you ever caught yourself saying:&lt;br /&gt;&lt;br /&gt;Its hard to save, I don&amp;#39;t know how to save&lt;br /&gt;My bank account never seem to grow no matter how hard I work&lt;br /&gt;&lt;br /&gt;&lt;b&gt;EXCUSES&amp;#33;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;Your money is not growing and its YOUR FAULT&amp;#33; You never let it grow. You&amp;#39;re not taking action.&lt;br /&gt;&lt;br /&gt;When you&amp;#39;re done making excuses and want to take action and grow your money, pm me right away.&lt;br /&gt;&lt;br /&gt;&amp;#33;&amp;#33;&amp;#33; If you&amp;#39;re not open to opportunities, don&amp;#39;t bother &amp;#33;&amp;#33;&amp;#33;</description>
            <author>vinchess</author>
            <category>Services Noticeboard</category>
            <pubDate>Mon, 30 Nov 2015 04:12:33 +0800</pubDate>
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            <title>[WTS] Photography Services</title>
            <link>http://forum.lowyat.net/topic/3787331</link>
            <description>&lt;span style='font-size:14pt;line-height:100%'&gt;&lt;b&gt;&lt;span style='color:blue'&gt;Hey y&amp;#39;all, my name&amp;#39;s Vincent, i&amp;#39;ve been doing photography on and off for a couple of years.&lt;br /&gt;Now I am starting my venture into more professional photography.&lt;br /&gt;&lt;br /&gt;Therefore, I am opening my services to any type of photography in my journey to build my portfolio.&lt;br /&gt;I will be providing all kinds of photography for below market price while building my portfolio.&lt;/span&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;What I mean by that?&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;I will cover any sort of photography like:&lt;ul&gt;&lt;li&gt; product (food, items, etc)&lt;/li&gt;&lt;li&gt; architectural photography&lt;/li&gt;&lt;li&gt; weddings&lt;/li&gt;&lt;li&gt; baby shower&lt;/li&gt;&lt;li&gt; events&lt;/li&gt;&lt;li&gt; birthdays&lt;/li&gt;&lt;li&gt; graduations&lt;/li&gt;&lt;li&gt; etc&lt;/li&gt;&lt;/ul&gt;&lt;b&gt;[color=red]BELOW&lt;/span&gt; market price, why?&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;Help me and I&amp;#39;ll help you. As I am building my portfolio&lt;br /&gt;I am willing to take shooting jobs for below market price.&lt;br /&gt;After I have established and gear up all my equipment&lt;br /&gt;I will have to go to market price to sustain and maintain my gear.&lt;br /&gt;But &lt;span style='color:red'&gt;ALL&lt;/span&gt; customers who have helped me while I&amp;#39;m building my portfolio&lt;br /&gt;will get a special rate should they return to me for future services.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='https://forum.lowyat.net/index.php?showtopic=3772671&amp;hl=' target='_blank'&gt;https://forum.lowyat.net/index.php?showtopic=3772671&amp;hl=&lt;/a&gt;</description>
            <author>vinchess</author>
            <category>Garage Sales</category>
            <pubDate>Thu, 26 Nov 2015 15:41:49 +0800</pubDate>
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            <title>[WTS] Food Photography Services</title>
            <link>http://forum.lowyat.net/topic/3787080</link>
            <description>Hi, my name is Vincent and I am opening my services to restaurant owners, food enthusiasts, bakeries etc. I would like to provide my services in&lt;br /&gt;&lt;br /&gt;&lt;span style='color:blue'&gt;&lt;span style='font-size:14pt;line-height:100%'&gt;&lt;b&gt;Food Photography&lt;/b&gt;&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;I have been doing photography for several years. Now I am going to provide professional commercial services. I will capture the photos based on what you, as the owner, like. It will be based on fully what YOU require.&lt;br /&gt;&lt;br /&gt;Do not hesitate to contact me&lt;br /&gt;&lt;br /&gt;email : vince.lim@outlook.com</description>
            <author>vinchess</author>
            <category>Food Market Garage Sales</category>
            <pubDate>Thu, 26 Nov 2015 11:35:20 +0800</pubDate>
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            <title>Architecture Photography Services</title>
            <link>http://forum.lowyat.net/topic/3784799</link>
            <description>Hello, my name is Vincent. I&amp;#39;m a photographer based in KL/Selangor (I do travel to outstation as well).&lt;br /&gt;Enthusiastic about photography, lighting, architecture and cameras has brought me here to provide you guys with my services.&lt;br /&gt;&lt;br /&gt;&lt;span style='color:blue'&gt;&lt;span style='font-size:14pt;line-height:100%'&gt;Architecture Photography&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;That&amp;#39;s right, I am looking to provide architecture photography for all sorts of purpose.&lt;br /&gt;Be it a new commercial building or residence, a park or playground, new restaurant or spa or gym, I will capture it.&lt;br /&gt;&lt;br /&gt;Why do we need architecture photography?&lt;br /&gt;&lt;br /&gt;If you are a developer or a real estate agent or just a property owner, you will understand.&lt;br /&gt;Understand how important it is to capture the beauty of a certain place or setting.&lt;br /&gt;&lt;br /&gt;For more info, feel free to PM me and I will get back to you ASAP.&lt;br /&gt;&lt;br /&gt;</description>
            <author>vinchess</author>
            <category>Services Noticeboard</category>
            <pubDate>Tue, 24 Nov 2015 03:36:54 +0800</pubDate>
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        <item>
            <title>WTS D90 (with box) WTB D7200</title>
            <link>http://forum.lowyat.net/topic/3782254</link>
            <description>Ideally I just want to change from D90 to D7200</description>
            <author>vinchess</author>
            <category>Digital SLRs &amp;amp; Lenses Garage Sales</category>
            <pubDate>Sat, 21 Nov 2015 14:03:57 +0800</pubDate>
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        <item>
            <title>Photography Services</title>
            <link>http://forum.lowyat.net/topic/3772671</link>
            <description>&lt;span style='font-size:14pt;line-height:100%'&gt;&lt;b&gt;&lt;span style='color:blue'&gt;Hey y&amp;#39;all, my name&amp;#39;s Vincent, i&amp;#39;ve been doing photography on and off for a couple of years.&lt;br /&gt;Now I am starting my venture into more professional photography.&lt;br /&gt;&lt;br /&gt;Therefore, I am opening my services to any type of photography in my journey to build my portfolio.&lt;br /&gt;I will be providing all kinds of photography.&lt;/span&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;What I mean by that?&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;I will cover any sort of photography like:&lt;ul&gt;&lt;li&gt; product (food, items, etc)&lt;/li&gt;&lt;li&gt; architectural photography&lt;/li&gt;&lt;li&gt; weddings&lt;/li&gt;&lt;li&gt; baby shower&lt;/li&gt;&lt;li&gt; events&lt;/li&gt;&lt;li&gt; birthdays&lt;/li&gt;&lt;li&gt; graduations&lt;/li&gt;&lt;li&gt; etc&lt;/li&gt;&lt;/ul&gt;&lt;br /&gt;&lt;br /&gt;Some of my shots throughout the years:&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;Wedding&lt;br /&gt;[attachmentid=5291131]&lt;br /&gt;Product&lt;br /&gt;[attachmentid=5291108][attachmentid=5291115]&lt;br /&gt;Food&lt;br /&gt;[attachmentid=5291120]&lt;br /&gt;Event&lt;br /&gt;[attachmentid=5291104][attachmentid=5291105][attachmentid=5291121]&lt;br /&gt;Studio&lt;br /&gt;[attachmentid=5291106]&lt;br /&gt;Misc&lt;br /&gt;[attachmentid=5291122][attachmentid=5291124][attachmentid=5291129]</description>
            <author>vinchess</author>
            <category>Services Noticeboard</category>
            <pubDate>Thu, 12 Nov 2015 16:00:29 +0800</pubDate>
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        <item>
            <title>[WTT] D90 for D7100/D7200</title>
            <link>http://forum.lowyat.net/topic/3764413</link>
            <description>I want to trade in my D90 for a D7100 or a D7200.</description>
            <author>vinchess</author>
            <category>Digital SLRs &amp;amp; Lenses Garage Sales</category>
            <pubDate>Wed, 04 Nov 2015 00:37:25 +0800</pubDate>
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        <item>
            <title>Cannot Withdraw EPF when you need it the most?</title>
            <link>http://forum.lowyat.net/topic/3610086</link>
            <description>EPF is no insurance. Read the following article:&lt;br /&gt;&lt;br /&gt;&lt;a href='http://www.themalaysianinsider.com/citynews/greater-kl/article/ex-manager-cannot-withdraw-entire-savings-for-treatment-says-epf/ex-manager-cannot-withdraw-entire-savings-for-treatment-says-epf' target='_blank'&gt;Ex-Manager cannot withdraw entire savings for treatment says epf&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;In the article above, an ex manager was denied his application to withdraw his EPF fund for treatment. From this case, we can see how important it is to have insurance.&lt;br /&gt;&lt;br /&gt;We at Hong Leong Assurance can provide you the solution you need to avoid any unforeseen insures like this.&lt;br /&gt;&lt;br /&gt;Our recommended solution is to have the 4 pillars:&lt;br /&gt;&lt;ul&gt;&lt;li&gt;Medical Card [most important]&lt;/li&gt;&lt;li&gt;Life Insurance&lt;/li&gt;&lt;li&gt;Critical Illness&lt;/li&gt;&lt;li&gt;PA&lt;/li&gt;&lt;/ul&gt;&lt;br /&gt;Contact me through pm or email me at &lt;a href='mailto:hlafinanceplanner@gmail.com'&gt;hlafinanceplanner@gmail.com&lt;/a&gt; to make an appointment. We will come to u.</description>
            <author>vinchess</author>
            <category>Services Noticeboard</category>
            <pubDate>Tue, 16 Jun 2015 12:32:37 +0800</pubDate>
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        <item>
            <title>[WTS] Nikon 35mm f/1.8G AF-S DX</title>
            <link>http://forum.lowyat.net/topic/3606895</link>
            <description>&lt;b&gt;Item(s):&lt;/b&gt; Nikon 35mm f/1.8G AF-S DX&lt;br /&gt;&lt;br /&gt;Great for: A fast, light, inexpensive normal lens for Nikon&amp;#39;s DX cameras, especially for use in low-light without flash.&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Package includes:&lt;/b&gt;Fullset with box, pouch, etc&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Price:&lt;/b&gt;SOLD&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Warranty:&lt;/b&gt;unfilled warranty card&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Dealing method:&lt;/b&gt;COD&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Location:&lt;/b&gt;SUNWAY&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Contact method/details:&lt;/b&gt;PM&lt;br /&gt;---&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Item(s) conditions:&lt;/b&gt;LIKE NEW, BARELY USED, SITTING IN DRY BOX&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Picture:[/b&lt;br /&gt;][attachmentid=4486981][attachmentid=4486984][attachmentid=4486986]&lt;br /&gt;&lt;br /&gt;[b]Reason for sale:&lt;/b&gt; not using it, use the 50mm more....</description>
            <author>vinchess</author>
            <category>Digital SLRs &amp;amp; Lenses Garage Sales</category>
            <pubDate>Fri, 12 Jun 2015 16:50:34 +0800</pubDate>
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        <item>
            <title>Photography/Videography for any thing</title>
            <link>http://forum.lowyat.net/topic/3603370</link>
            <description>We are a team dedicated photographers and videographers.&lt;br /&gt;We got together to put our skills and equipments together to bring you photography/videography services for:&lt;br /&gt;&lt;ul&gt;&lt;li&gt; events/exhibition/car shows&lt;/li&gt;&lt;li&gt; food/product&lt;/li&gt;&lt;li&gt; property/real estate&lt;/li&gt;&lt;li&gt; weddings/rom/proposal&lt;/li&gt;&lt;li&gt; birthday parties&lt;/li&gt;&lt;li&gt; graduation ceremony&lt;/li&gt;&lt;/ul&gt;&lt;br /&gt;We have make up artist for our packages as well. (Depends on availability)&lt;br /&gt;&lt;br /&gt;For further inquiry,&lt;br /&gt;&lt;br /&gt;Contact me through pm or whatsapp (zero 123485953) Vincent</description>
            <author>vinchess</author>
            <category>Services Noticeboard</category>
            <pubDate>Tue, 09 Jun 2015 11:55:02 +0800</pubDate>
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        <item>
            <title>Sales Professional</title>
            <link>http://forum.lowyat.net/topic/3603293</link>
            <description>&lt;b&gt;Name of Company:&lt;/b&gt;&lt;br /&gt;&lt;span style='color:blue'&gt;Hong Leong Assurance&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Role:&lt;/b&gt;&lt;br /&gt;Sales Professional &lt;br /&gt;&lt;br /&gt;&lt;b&gt;Job Description&lt;/b&gt;&lt;br /&gt;Create new leads by calling potential customers and lock in an appointment.&lt;br /&gt;The more appointments the higher the chance of potential sale.&lt;br /&gt;The more the sales, the higher your commission and yearly bonus&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Remuneration:&lt;/b&gt;&lt;br /&gt;&lt;b&gt;ATTRACTIVE COMMISSION SCHEME&amp;#33;&amp;#33;&lt;/b&gt;&lt;br /&gt;&lt;b&gt;PROMOTION&lt;/b&gt; opportunity&lt;br /&gt;Overseas &lt;b&gt;TRAVEL AWARD&lt;/b&gt;&lt;br /&gt;Leadership &lt;b&gt;ENHANCEMENT&lt;/b&gt;&lt;br /&gt;Full-timer will get &lt;b&gt;SPECIAL BENEFITS&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Requirements:&lt;/b&gt;&lt;br /&gt;- Candidates needs to be self motivated and goal driven&lt;br /&gt;- Candidates must have a positive attitude and personality&lt;br /&gt;- Candidates with sales/financial experience/understanding is a plus&lt;br /&gt;- Candidates must be able to present well&lt;br /&gt;- minimum qualification SPM&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Working Culture:&lt;/b&gt;&lt;br /&gt;- Work for your future of play, meet your goals this year, put effort to accomplish your next year&amp;#39;s goal this year, spend you next year the way you like&lt;br /&gt;- Have the control to manage your time and appointments to suit your busy schedule&lt;br /&gt;- &lt;b&gt;&lt;span style='color:blue'&gt;Share and succeed together&lt;/span&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Contact Person:&lt;/b&gt;&lt;br /&gt;Feel free to forward you phone number to me through pm or send an email to &lt;b&gt;&lt;span style='color:blue'&gt;hlafinanceplanner@gmail.com&lt;/span&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style='font-size:16pt;line-height:100%'&gt;&lt;span style='color:orange'&gt;Everyone has an opportunity to SUCCEED&lt;br /&gt;But only few took action. Will YOU?&lt;/span&gt;&lt;/span&gt;</description>
            <author>vinchess</author>
            <category>Job Enlistments</category>
            <pubDate>Tue, 09 Jun 2015 11:06:59 +0800</pubDate>
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        <item>
            <title>WTS Wealth Plan</title>
            <link>http://forum.lowyat.net/topic/3603071</link>
            <description>&lt;span style='font-size:14pt;line-height:100%'&gt;&lt;b&gt;Hong Leong Assurance Wealth Plan&lt;/b&gt;&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;First of its kind in the market. High guaranteed yearly returns. Much high than FD.&lt;br /&gt;&lt;br /&gt;If you are a veteran in investment,it is time to diversify. Never put all your eggs in one basket.&lt;br /&gt;&lt;br /&gt;Best way to explain this is through comparison example:&lt;br /&gt;&lt;br /&gt;Let us say you have RM 600,000 invested into fixed deposit with best case scenario interest rate of 3%.&lt;br /&gt;So this will get you a good RM 18,000 a year. And in the period of 6 years, you will get a total of RM 108,000 of interest.&lt;br /&gt;Looks pretty attractive right?&lt;br /&gt;&lt;br /&gt;Now let us talk about the wealth plan we offer. We don&amp;#39;t want you to shift all your money at one go. Our plan is a 6 year plan&lt;br /&gt;(but with up to maximum of 30 years of return). Ok, let us say we take RM 100,000 for the 1st year from your FD to be invested&lt;br /&gt;into wealth plan. So now you will have RM 500,000 in FD and RM100,000 in Wealth Plan(WP). Same 3% from FD = RM 15,000 plus&lt;br /&gt;a guaranteed yearly cash coupon (GYCC) of up to 15% from the Wealth Plan = RM 15,000. In the 1st year you will get&lt;br /&gt;RM 15,000 (FD) + RM 15,000 (WP) = RM 30,000. That is already better than what you use to get from 100% investment into FD.&lt;br /&gt;Let&amp;#39;s say you took out RM 100,000 every year from FD to transfer over to WP,it will look something like this:&lt;br /&gt;&lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('89aa8e0b0ce37c80c234370c92b3944f')&quot; style=&quot;font-weight: bold&quot;&gt;&lt;u&gt;&amp;raquo; Click to show Spoiler - click again to hide... &amp;laquo;&lt;/u&gt;&lt;/div&gt;&lt;div class=&quot;spoilermain&quot; id=&quot;89aa8e0b0ce37c80c234370c92b3944f&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;&lt;br /&gt;------------------FD---------FD RETURN----------WP----------WP RETURN-------TOTAL  ANNUAL RETURN&lt;br /&gt;Year1--------500,000--------15,000----------100,000---------15,000-------------------30,000&lt;br /&gt;Year2--------400,000--------12,000----------100,000---------15,000-------------------27,000&lt;br /&gt;Year3--------300,000---------9,000----------100,000---------15,000-------------------24,000&lt;br /&gt;Year4--------200,000---------6,000----------100,000---------15,000-------------------21,000&lt;br /&gt;Year5--------100,000---------3,000----------100,000---------15,000-------------------18,000&lt;br /&gt;Year6------------0---------------0-------------100,000---------15,000-------------------15,000&lt;br /&gt;&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;&lt;br /&gt;So within the first 6 years, you would have gained a total of RM 135,000 by diversifying rather than RM108,000 from only FD.&lt;br /&gt;But that&amp;#39;s not all, now you don&amp;#39;t have to add anymore investment into WP and you will continue to get the GYCC for a maximum of 30 years.&lt;br /&gt;And let&amp;#39;s say you do not withdraw your money, there is another compound interest on top of you total GYCC of up to 5%.&lt;br /&gt;&lt;br /&gt;Now, from numbers alone this is already an attractive plan and you can&amp;#39;t get it from any where else other than through our licensed agents.&lt;br /&gt;&lt;br /&gt;To make thing more attractive, this plan come with:&lt;br /&gt;&lt;ul&gt;&lt;li&gt;GUARANTEED yearly Income (GYCC)&lt;/li&gt;&lt;li&gt;GUARANTEED death &amp;amp; TPD benefit&lt;/li&gt;&lt;li&gt;GUARANTEED maturity benefit&lt;/li&gt;&lt;li&gt;Protected by PIDM&lt;/li&gt;&lt;li&gt;Tax Relief&lt;/li&gt;&lt;/ul&gt;&lt;br /&gt;Sounds too good to be true? Send me an email with your contact number to &lt;a href='mailto:hlafinanceplanner@gmail.com'&gt;hlafinanceplanner@gmail.com&lt;/a&gt;&lt;br /&gt;or simply pm me with your contact number and I will call you back shortly. We can then have a drink and I will explain it all to you.&lt;br /&gt;&lt;br /&gt;We also have medical cards, education plan, life and many other products. To understand more, contact me and let&amp;#39;s meet.</description>
            <author>vinchess</author>
            <category>Services Noticeboard</category>
            <pubDate>Tue, 09 Jun 2015 02:21:11 +0800</pubDate>
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        <item>
            <title>WTOffer HLA Investment Plan</title>
            <link>http://forum.lowyat.net/topic/3602056</link>
            <description>&lt;span style='font-size:14pt;line-height:100%'&gt;&lt;b&gt;Hong Leong Assurance Plans.&lt;/b&gt;&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;Nowadays, single investment is not enough. Inflation is catching up and life is unpredictable. My team and I are here to introduce new investment plans offered by Hong Leong Assurance.&lt;br /&gt;&lt;br /&gt;If you have a family (or planning to have one) and have made plans for the future, you&amp;#39;ll already know the importance of investment even before I explain it. That would make my life a whole lot easier because we would already see eye to eye and all I need to do I s offer you the right plan. So if you fall under this category, drop me an email at &lt;a href='mailto:hlafinanceplanner@gmail.com'&gt;hlafinanceplanner@gmail.com&lt;/a&gt; with you contact info and I will get back to you so we can meet, or u can pm me your contact number.&lt;br /&gt;&lt;br /&gt;But if you are an individual/group who wants to invest but do not know too much about it, I will be happy to make an appointment with you and spend the time to clarify any doubts. I understand the fear about risks, that is why I&amp;#39;m more than happy to have a drink with you and you can ask anything you are in doubt with. So wait no longer, drop me an email at &lt;a href='mailto:hlafinanceplanner@gmail.com'&gt;hlafinanceplanner@gmail.com&lt;/a&gt;  I want to meet you, or pm me your contact number I will call u.&lt;br /&gt;&lt;br /&gt;We also have medical cards, education plan, life and many other products. To understand more, contact me and let&amp;#39;s meet.&lt;br /&gt;&lt;br /&gt;</description>
            <author>vinchess</author>
            <category>Services Noticeboard</category>
            <pubDate>Mon, 08 Jun 2015 10:23:56 +0800</pubDate>
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        <item>
            <title>&amp;#33;&amp;gt;&amp;gt;&amp;gt; Financial Adviser/Consultant Wanted ...</title>
            <link>http://forum.lowyat.net/topic/3601145</link>
            <description>&lt;b&gt;&lt;span style='font-size:14pt;line-height:100%'&gt;5 good reasons to join us&amp;#33;&lt;/span&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style='color:blue'&gt;&lt;b&gt;Opportunity, Cash, Freedom, Control and Success.&lt;/b&gt;&lt;br /&gt;&lt;/span&gt;&lt;br /&gt;-----------------------------------------------------------------------------------------------------------------------------------&lt;br /&gt;&lt;br /&gt;&lt;span style='font-size:14pt;line-height:100%'&gt;&lt;u&gt;For &lt;span style='color:blue'&gt;&lt;b&gt;WORKING&lt;/b&gt;&lt;/span&gt; individuals&lt;/u&gt;&lt;/span&gt;&lt;br /&gt;Are you stuck in a day job going through life 9-5 with no overtime pay and still you can&amp;#39;t make ends meet.&lt;br /&gt;Well look no further. Join our team, together we can not only build a future for you, but also help you transition&lt;br /&gt;yourself towards financial freedom.&lt;br /&gt;&lt;br /&gt;&lt;span style='font-size:14pt;line-height:100%'&gt;&lt;u&gt;For &lt;span style='color:blue'&gt;&lt;b&gt;STUDYING&lt;/b&gt;&lt;/span&gt; individuals&lt;/u&gt;&lt;/span&gt;&lt;br /&gt;Perhaps you&amp;#39;re a student going through university/college. Parents not giving you enough allowance?&lt;br /&gt;Want to get a little extra pocket money and live the lifestyle you always wanted? Be your own champ and join us.&lt;br /&gt;&lt;br /&gt;-----------------------------------------------------------------------------------------------------------------------------------&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Name of Company:&lt;/b&gt;&lt;br /&gt;&lt;span style='color:blue'&gt;Hong Leong Assurance&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Role:&lt;/b&gt;&lt;br /&gt;Financial Adviser/Consultant (advice clients to invest in the right plan)&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Remuneration:&lt;/b&gt;&lt;br /&gt;&lt;b&gt;ATTRACTIVE COMMISSION SCHEME&amp;#33;&amp;#33;&lt;/b&gt;&lt;br /&gt;&lt;b&gt;PROMOTION&lt;/b&gt; opportunity&lt;br /&gt;Overseas &lt;b&gt;TRAVEL AWARD&lt;/b&gt;&lt;br /&gt;Leadership &lt;b&gt;ENHANCEMENT&lt;/b&gt;&lt;br /&gt;Full-timer will get &lt;b&gt;SPECIAL BENEFITS&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Requirements:&lt;/b&gt;&lt;br /&gt;- Candidates needs to be self motivated and goal driven&lt;br /&gt;- Candidates must have a positive attitude and personality&lt;br /&gt;- Candidates with sales/financial experience/understanding is a plus&lt;br /&gt;- Candidates must be able to present well&lt;br /&gt;- minimum qualification SPM&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Working Culture:&lt;/b&gt;&lt;br /&gt;- Work for your future of play, meet your goals this year, put effort to accomplish your next year&amp;#39;s goal this year, spend you next year the way you like&lt;br /&gt;- Have the control to manage your time and appointments to suit your busy schedule&lt;br /&gt;- &lt;b&gt;&lt;span style='color:blue'&gt;Share and succeed together&lt;/span&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Contact Person:&lt;/b&gt;&lt;br /&gt;Feel free to forward you phone number to me through pm or send an email to &lt;b&gt;&lt;span style='color:blue'&gt;hlafinanceplanner@gmail.com&lt;/span&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style='font-size:16pt;line-height:100%'&gt;&lt;span style='color:orange'&gt;Everyone has an opportunity to SUCCEED&lt;br /&gt;But only few took action. Will YOU?&lt;/span&gt;&lt;/span&gt;</description>
            <author>vinchess</author>
            <category>Job Enlistments</category>
            <pubDate>Sun, 07 Jun 2015 02:48:50 +0800</pubDate>
        </item>
        <item>
            <title>#1 Garage Sale</title>
            <link>http://forum.lowyat.net/topic/3596156</link>
            <description>[attachmentid=4469958]&lt;br /&gt;&lt;br /&gt;Cracking the Communication Code, Dr. Emerson&lt;br /&gt;Rm25&lt;br /&gt;&lt;br /&gt;[attachmentid=4469959][attachmentid=4469960][attachmentid=4469965]&lt;br /&gt;&lt;br /&gt;Don&amp;#39;t Sweat Guide for Couples, Richard Carlson - Rm18&lt;br /&gt;Don&amp;#39;t Sweat The Small Stuff at Work, Richard Carlson - Rm18&lt;br /&gt;Don&amp;#39;t Sweat The Small Stuff for Men, Richard Carlson - Rm18&lt;br /&gt;&lt;br /&gt;Take all 3 = Rm45&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;[attachmentid=4469976][attachmentid=4469980][attachmentid=4469981][attachmentid=4469982]&lt;br /&gt;[attachmentid=4469983][attachmentid=4469985][attachmentid=4469986]&lt;br /&gt;&lt;br /&gt;Gold Art, Scorpio - Rm 200 (nego)&lt;br /&gt;&lt;br /&gt;[attachmentid=4469987]&lt;br /&gt;&lt;br /&gt;Essential Manners for Couples - Rm15&lt;br /&gt;&lt;br /&gt;[attachmentid=4469988][attachmentid=4469991]&lt;br /&gt;&lt;br /&gt;GeForce 7600(card only) - Offer Me&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;[attachmentid=4469995]&lt;br /&gt;&lt;br /&gt;Photo Printer, not sure working or not. Just wanna get rid of it. - Offer Me&lt;br /&gt;&lt;br /&gt;[attachmentid=4469998]&lt;br /&gt;&lt;br /&gt;PS2 with games, also not sure still working or not,just wanna get rid of it (missing some cables) - Offer Me&lt;br /&gt;&lt;br /&gt;[attachmentid=4470000]&lt;br /&gt;&lt;br /&gt;Utopia Magazines (Whole Stack) - Offer Me&lt;br /&gt;&lt;br /&gt;[attachmentid=4470002][attachmentid=4470004][attachmentid=4470006][attachmentid=4470008][attachmentid=4470009]&lt;br /&gt;&lt;br /&gt;Used Men Attire, Each for Rm20. Take all for Rm80&lt;br /&gt;&lt;br /&gt;Postage Rm10-30 depending on item. Take more than 1 item, bundle under the same postage.&lt;br /&gt;&lt;br /&gt;Objective-C for Dummies - [SOLD&amp;#33;]&lt;br /&gt;Dashcode for Dummies - [SOLD&amp;#33;]&lt;br /&gt;GeForce 8800GT(card only) - [SOLD&amp;#33;]&lt;br /&gt;&lt;br /&gt;Pm Me</description>
            <author>vinchess</author>
            <category>Garage Sales</category>
            <pubDate>Tue, 02 Jun 2015 11:32:10 +0800</pubDate>
        </item>
        <item>
            <title>WTS (USED) NIKON SB600</title>
            <link>http://forum.lowyat.net/topic/3595769</link>
            <description>&lt;b&gt;Item(s):&lt;/b&gt; NIKON SB600 (USED)&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Package includes:&lt;/b&gt;EVERYTHING, GOLDEN BOX, POUCH, FLASH, DIFFUSER, HOT SHOE&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Price:&lt;/b&gt;Rm400 firm&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Warranty:&lt;/b&gt;NIL&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Dealing method:&lt;/b&gt;COD, POSTAGE (RISK BEAR BY BUYER) &lt;br /&gt;&lt;br /&gt;&lt;b&gt;Location:&lt;/b&gt;SUNWAY&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Contact method/details:&lt;/b&gt;PM&lt;br /&gt;---&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Item(s) conditions:&lt;/b&gt;9.5/10 external outlook, 100% working&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Picture:&lt;/b&gt;[attachmentid=4477371]&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Reason for sale:&lt;/b&gt; Changing to different system</description>
            <author>vinchess</author>
            <category>Photography Accessories Garage Sales</category>
            <pubDate>Mon, 01 Jun 2015 22:29:03 +0800</pubDate>
        </item>
        <item>
            <title>[WTH] Saving Plan Agents</title>
            <link>http://forum.lowyat.net/topic/3534618</link>
            <description>&lt;img src='http://www.wearethecity.com/wp-content/uploads/2013/12/we-need-you-woman.jpg' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Name of Company:&lt;/b&gt;&lt;br /&gt;&lt;span style='color:blue'&gt;Hong Leong Assurance&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Role:&lt;/b&gt;&lt;br /&gt;Savings Plan Agent&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Remuneration:&lt;/b&gt;&lt;br /&gt;&lt;b&gt;ATTRACTIVE COMMISSION SCHEME&amp;#33;&amp;#33;&lt;/b&gt;&lt;br /&gt;&lt;b&gt;PROMOTION&lt;/b&gt; opportunity&lt;br /&gt;Overseas &lt;b&gt;TRAVEL AWARD&lt;/b&gt;&lt;br /&gt;Leadership &lt;b&gt;ENHANCEMENT&lt;/b&gt;&lt;br /&gt;Full-timer will get &lt;b&gt;SPECIAL BENEFITS&lt;/b&gt;&lt;br /&gt;The more time an effort you put in, the more you get&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Requirements:&lt;/b&gt;&lt;br /&gt;- Candidates needs to be self motivated and goal driven&lt;br /&gt;- Candidates must have a positive attitude and personality&lt;br /&gt;- Candidates with sales/financial experience/understanding is a plus&lt;br /&gt;- Candidates must be able to present well&lt;br /&gt;- minimum qualification SPM&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Working Hour:&lt;/b&gt;&lt;br /&gt;Flexi = Full-time, Part-time, Freelance&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Working Culture:&lt;/b&gt;&lt;br /&gt;- Work for your future of play, meet your goals this year, put effort to accomplish your next year&amp;#39;s goal this year, spend you next year the way you like&lt;br /&gt;- Have the control to manage your time and appointments to suit your busy schedule&lt;br /&gt;- &lt;b&gt;&lt;span style='color:blue'&gt;Share and succeed together&lt;/span&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Contact Person:&lt;/b&gt;&lt;br /&gt;Feel free to forward you phone number to me through pm or send an email to &lt;b&gt;&lt;span style='color:blue'&gt;hlafinanceplanner@gmail.com&lt;/span&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;Or fills in this &lt;a href='http://goo.gl/forms/Z3IK4Hvltl' target='_blank'&gt;FORM&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style='font-size:16pt;line-height:100%'&gt;&lt;span style='color:orange'&gt;Everyone has an opportunity to SUCCEED&lt;br /&gt;But only few took action. Will YOU?&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='http://goo.gl/forms/Z3IK4Hvltl' target='_blank'&gt;&lt;img src='https://ratubuah.files.wordpress.com/2010/04/we_want_you.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;</description>
            <author>vinchess</author>
            <category>Job Enlistments</category>
            <pubDate>Fri, 27 Mar 2015 01:32:05 +0800</pubDate>
        </item>
        <item>
            <title>Need help with survey</title>
            <link>http://forum.lowyat.net/topic/3478193</link>
            <description>Hi everyone, just need some help with this survey form. It is for a class project and your feedback is very valuable to us.&lt;br /&gt;Thanks&lt;br /&gt;&lt;br /&gt;&lt;a href='http://goo.gl/forms/3aWQuNt7kJ' target='_blank'&gt;http://goo.gl/forms/3aWQuNt7kJ&lt;/a&gt;</description>
            <author>vinchess</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Thu, 22 Jan 2015 22:32:08 +0800</pubDate>
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