http://forum.lowyat.net/ Sun, 31 May 2026 12:46:26 +0800 FeedCreator 1.7.2 http://forum.lowyat.net/topic/4237725 <b>Item(s):</b>Samsung SCX-3405FW Printer - Faulty for parts<br /><br /><b>Package includes:</b> Printer only<br /><br /><b>Price:</b> FOC - Collection @ Desa Parkcity only<br /><br /><b>Warranty:</b> None<br /><br /><b>Dealing method:</b> Collection @ Desa Parkcity only<br /><br /><b>Location:</b> Collection @ Desa Parkcity only<br /><br /><b>Contact method/details:</b> WhatsApp - 0122300691<br />---<br /><br /><b>Item(s) conditions:</b> Faulty / for spares<br /><br /><b>Picture:</b> <br /><br /><b>Reason for sale:</b> Faulty / for spares rjb123 Computers Garage Sales Sun, 26 Mar 2017 19:03:10 +0800 http://forum.lowyat.net/topic/4130158 Yeah <b>Item(s):</b><br /><br /><b>Package includes:</b> Assorted 120mm fans, Delta, Cooolermaster. Random monitor cables, USB cables, Cat5E<br /><br /><b>Price:</b> Free<br /><br /><b>Warranty:</b> N/A<br /><br /><b>Dealing method:</b> Collection, Desa Parkcity KL<br /><br /><b>Location of seller:</b> Desa Parkcity KL<br /><br /><b>Contact method/details:</b> WhatsApp 0122300691<br /><br /><b>Age of item:</b> mixed<br /><br />---<br /><br /><b>Item(s) conditions:</b> used, some fans have leads cut but easy to attach a connector<br /><br /><b>Picture:</b> <br /><br /><b>Reason for sale:</b> rjb123 Computers Garage Sales Tue, 29 Nov 2016 12:59:20 +0800 http://forum.lowyat.net/topic/4130084 Someone confirmed to collect these tonight. Nice and quick&#33; rjb123 Notebooks Garage Sales Tue, 29 Nov 2016 11:34:07 +0800 http://forum.lowyat.net/topic/4126940 <b>Item(s):</b> West Mountain Radio CBA IV Battery Analyzer<br /><br /><b>Package includes:</b> Unit, clamp, USB cable<br /><br /><b>Price:</b> RM 300<br /><br /><b>Warranty:</b> N/A, can test if COD<br /><br /><b>Dealing method:</b> COD @ Desa Parkcity, RM8 post<br /><br /><b>Location of seller:</b> Desa Parkcity, KL<br /><br /><b>Contact method/details:</b> Whatsapp 0122300691<br /><br /><b>Age of item:</b> 1.5 years<br /><br />---<br /><br /><b>Item(s) conditions:</b> Used ,working<br /><br /><b>Picture:</b> <a href='http://imgur.com/a/RdY9N' target='_blank'>http://imgur.com/a/RdY9N</a><br /><br /><b>Reason for sale:</b> Not needed rjb123 Home Electronics &amp; Wares Garage Sales Sat, 26 Nov 2016 19:19:55 +0800 http://forum.lowyat.net/topic/4126937 <b>Item(s):</b> ZKE EBC-40L Battery discharger. Charge current up to 20A, discharge up to 40A<br /><br /><b>Package includes:</b> Unit, clamps, battery sled, USB cable<br /><br /><b>Price:</b> RM250<br /><br /><b>Warranty:</b> N/A, can test if collecting<br /><br /><b>Dealing method:</b> COD @ Desa Parkcity, post RM10<br /><br /><b>Location of seller:</b> Desa Parkcity, KL<br /><br /><b>Contact method/details:</b> WhatsApp 0122300691<br /><br /><b>Age of item:</b> 1.5 years<br /><br />---<br /><br /><b>Item(s) conditions:</b> Used, some damage in transport on import but doesn&#39;t affect functionality - can see in photos.<br /><br /><b>Picture:</b> <a href='http://imgur.com/a/BiYDD' target='_blank'>http://imgur.com/a/BiYDD</a><br /><br /><b>Reason for sale:</b> Not required rjb123 Home Electronics &amp; Wares Garage Sales Sat, 26 Nov 2016 19:16:08 +0800 http://forum.lowyat.net/topic/4126933 Few assorted networking related items to sell<br /><br />1.<br />Item: 15m Cat6 Cable (AMP)<br /><br />Price : RM 50<br /><br />Dealing Methods : COD @ Desa Parkcity, Post RM8<br /><br />Condition : Used, Working<br /><br />Contact: PM , WhatsApp 0122300691<br /><br />Picture : <a href='http://imgur.com/5hdzI3d' target='_blank'>http://imgur.com/5hdzI3d</a><br /><br />2.<br />Item: Devolo DLAN 1200 Powerline AV Kit (bought from Amazon UK : <a href='https://www.amazon.co.uk/Devolo-Powerline-Homeplug-Internet-Ethernet/dp/B00N8W349Q)' target='_blank'>https://www.amazon.co.uk/Devolo-Powerline-H.../dp/B00N8W349Q)</a><br /><br />Price : RM 350<br /><br />Dealing Methods : COD @ Desa Parkcity, Post RM8<br /><br />Condition : New, never used. In box<br /><br />Contact: PM , WhatsApp 0122300691<br /><br />Picture : <a href='http://imgur.com/SsLZE5k' target='_blank'>http://imgur.com/SsLZE5k</a><br /><br />3.<br />Item : TP Link TL-SG108E 8 port switch<br /><br />Price : RM80<br /><br />Dealing Methods : COD @ Desa Parkcity, Post RM8<br /><br />Condition : New, sealed in box<br /><br />Contact: PM , WhatsApp 0122300691<br /><br />Picture : <a href='http://imgur.com/dSTXL8b' target='_blank'>http://imgur.com/dSTXL8b</a><br /><br />5.<br />Item : Aztech 150Mbps Wifi USB dongle <br /><br />Price : RM20<br /><br />Dealing Methods : COD @ Desa Parkcity, Post RM8<br /><br />Condition : Used, no packaging<br /><br />Contact: PM , WhatsApp 0122300691<br /><br />Picture : <a href='http://imgur.com/LrWSpCM' target='_blank'>http://imgur.com/LrWSpCM</a><br /><br />6.<br />Item : Aztech HL129EP Homeplug<br /><br />Price : RM85<br /><br />Dealing Methods : COD @ Desa Parkcity, Post RM8<br /><br />Condition : Used, no packaging<br /><br />Contact: PM , WhatsApp 0122300691<br /><br />Picture : <a href='http://imgur.com/a/x1HRb' target='_blank'>http://imgur.com/a/x1HRb</a><br /><br />7.<br />Item : Aztech HL119EP Homeplug<br /><br />Price : RM50<br /><br />Dealing Methods : COD @ Desa Parkcity, Post RM8<br /><br />Condition : Used, no packaging<br /><br />Contact: PM , WhatsApp 0122300691<br /><br />Picture : <a href='http://imgur.com/a/4tWF6' target='_blank'>http://imgur.com/a/4tWF6</a><br /><br /> rjb123 Networking Related Items Garage Sales Sat, 26 Nov 2016 19:10:50 +0800 http://forum.lowyat.net/topic/3996238 Thought I&#39;d ask here before I contact the bank next week - just wanted to see if anyone had this experience with Maybank before and if it got resolved.<br /><br />Sent a TT payment from USD company account to a UK based USD account a week or so ago, from Maybank company account also denominated in USD - transfer arrived over &#036;1000 short.<br /><br />Turns out, Maybank sent the payment as GBP instead of USD so it&#39;s been converted twice (USD to GBP, then again from GBP to USD), total loss more than &#036;1k.<br /><br />I&#39;ve had the same problem with Europe banks before and they were fairly quick to refund the difference, I&#39;m sure Maybank will make it a bit more hassle. rjb123 Finance, Business and Investment House Fri, 08 Jul 2016 11:13:55 +0800 http://forum.lowyat.net/topic/3563265 <b>Item(s):</b> Coolermaster GX550 PSU <br /><br /><b>Package includes:</b> PSU only<br /><br /><b>Price:</b> RM100<br /><br /><b>Warranty:</b> N/A<br /><br /><b>Dealing method:</b> COD, Desa Parkcity<br /><br /><b>Location of seller:</b> Desa Parkcity, KL<br /><br /><b>Contact method/details:</b> PM<br /><br /><b>Age of item:</b> Few years, not sure exactly how old<br /><br />---<br /><br /><b>Item(s) conditions:</b> Works fine.<br /><br /><b>Picture:</b><br /><a href='http://imgur.com/9SXHeiN' target='_blank'><img src='http://i.imgur.com/9SXHeiNl.jpg' border='0' alt='user posted image' /></a><br /><a href='http://imgur.com/xL4cGgc' target='_blank'><img src='http://i.imgur.com/xL4cGgcl.jpg' border='0' alt='user posted image' /></a><br /><br /><b>Reason for sale:</b> rjb123 Casings &amp; PSUs Garage Sales Mon, 27 Apr 2015 14:59:09 +0800 http://forum.lowyat.net/topic/3563250 <b>Item(s):</b> Aztech HL115EP Homeplugs x 3<br /><br /><b>Package includes:</b> Item only, no packaging.<br /><br /><b>Price:</b>RM60 Each, RM150 for all 3<br /><br /><b>Warranty:</b> N/A<br /><br /><b>Dealing method:</b> COD, Desa Parkcity. Courier RM15 extra<br /><br /><b>Location of seller:</b> Desa Parkcity , KL<br /><br /><b>Contact method/details:</b> PM<br /><br /><b>Age of item:</b> 1 Year+<br /><br />---<br /><br /><b>Item(s) conditions:</b> Good working order<br /><br /><b>Picture:</b><br /><a href='http://imgur.com/I3x2pyP' target='_blank'><img src='http://i.imgur.com/I3x2pyPl.jpg' border='0' alt='user posted image' /></a><br /><a href='http://imgur.com/yNbtqKT' target='_blank'><img src='http://i.imgur.com/yNbtqKTl.jpg' border='0' alt='user posted image' /></a><br /><a href='http://imgur.com/RfGEBil' target='_blank'><img src='http://i.imgur.com/RfGEBill.jpg' border='0' alt='user posted image' /></a><br /><br /><b>Reason for sale:</b> Not needed rjb123 Networking Related Items Garage Sales Mon, 27 Apr 2015 14:45:31 +0800 http://forum.lowyat.net/topic/3563235 <b>Item(s):</b> Power / Energy Monitor (2 pcs) (PDF : <a href='http://www.prodigit.com.tw/userfiles/admin/files/20140820_102156.pdf)' target='_blank'>http://www.prodigit.com.tw/userfiles/admin...820_102156.pdf)</a><br /><br /><b>Package includes:</b> Item only, no packaging.<br /><br /><b>Price:</b>RM50 each, RM80 for both.<br /><br /><b>Warranty:</b> N/A<br /><br /><b>Dealing method:</b> COD, Desa Parkcity<br /><br /><b>Location of seller:</b> Desa Parkcity , KL<br /><br /><b>Contact method/details:</b> PM<br /><br /><b>Age of item:</b> 1 Year+<br /><br />---<br /><br /><b>Item(s) conditions:</b> Good working order<br /><br /><b>Picture:</b><br /><a href='http://imgur.com/ppODALx' target='_blank'><img src='http://i.imgur.com/ppODALxl.jpg' border='0' alt='user posted image' /></a><br /><a href='http://imgur.com/yGubZpX' target='_blank'><img src='http://i.imgur.com/yGubZpXl.jpg' border='0' alt='user posted image' /></a><br /><br /><b>Reason for sale:</b> Not needed rjb123 Casings &amp; PSUs Garage Sales Mon, 27 Apr 2015 14:35:22 +0800 http://forum.lowyat.net/topic/3563221 <b>Item(s):</b>460W Coolermaster PSU<br /><br /><b>Package includes:</b> PSU Only<br /><br /><b>Price:</b> FREE, you collect<br /><br /><b>Warranty:</b> N/A<br /><br /><b>Dealing method:</b> COD, Desa Parkcity<br /><br /><b>Location of seller:</b> Desa Parkcity<br /><br /><b>Contact method/details:</b> PM<br /><br /><b>Age of item:</b> Few years<br /><br />---<br /><br /><b>Item(s) conditions:</b> Works fine, green/black chopped from mobo connector (keeps PSU constantly on ... was using this to run some extra fans)<br /><br /><b>Picture:</b><br /><a href='http://imgur.com/BDaNebQ' target='_blank'><img src='http://i.imgur.com/BDaNebQl.jpg' border='0' alt='user posted image' /></a><br /><a href='http://imgur.com/87DoaME' target='_blank'><img src='http://i.imgur.com/87DoaMEl.jpg' border='0' alt='user posted image' /></a><br /><br /><b>Reason for sale:</b> Not needed rjb123 Casings &amp; PSUs Garage Sales Mon, 27 Apr 2015 14:26:06 +0800 http://forum.lowyat.net/topic/3563188 <b>Item(s):</b> SeaSonic Platinum Series 860W SS-860XP PSU<br /><br /><b>Package includes:</b> Box, Cables<br /><br /><b>Price:</b> RM600<br /><br /><b>Warranty:</b> N/A<br /><br /><b>Dealing method:</b> Desa Parkcity, COD. Courier RM35<br /><br /><b>Location of seller:</b> Desa Parkcity, KL<br /><br /><b>Contact method/details:</b> PM<br /><br /><b>Age of item:</b> 1 Year<br /><br />---<br /><br /><b>Item(s) conditions:</b> Good working order<br /><br /><b>Picture:</b><br /><a href='http://imgur.com/tMGSBy3' target='_blank'><img src='http://i.imgur.com/tMGSBy3l.jpg' border='0' alt='user posted image' /></a><br /><a href='http://imgur.com/WnxNzjU' target='_blank'><img src='http://i.imgur.com/WnxNzjUl.jpg' border='0' alt='user posted image' /></a><br /><a href='http://imgur.com/lqC5YhO' target='_blank'><img src='http://i.imgur.com/lqC5YhOl.jpg' border='0' alt='user posted image' /></a><br /><br /><b>Reason for sale:</b> Not needed rjb123 Casings &amp; PSUs Garage Sales Mon, 27 Apr 2015 13:59:13 +0800 http://forum.lowyat.net/topic/3563180 <b>Item(s):</b> SeaSonic Platinum Series 1000W SS-1000XP PSU<br /><br /><b>Package includes:</b> Box, Cables<br /><br /><b>Price:</b> RM750<br /><br /><b>Warranty:</b> N/A<br /><br /><b>Dealing method:</b> Desa Parkcity, COD. Courier RM35<br /><br /><b>Location of seller:</b> Desa Parkcity, KL<br /><br /><b>Contact method/details:</b> PM<br /><br /><b>Age of item:</b> 1 Year<br /><br />---<br /><br /><b>Item(s) conditions:</b> Good working order<br /><br /><b>Picture:</b><br /><a href='http://imgur.com/E2Py7YA' target='_blank'><img src='http://i.imgur.com/E2Py7YAl.jpg' border='0' alt='user posted image' /></a><br /><a href='http://imgur.com/a3Jo3Wa' target='_blank'><img src='http://i.imgur.com/a3Jo3Wal.jpg' border='0' alt='user posted image' /></a><br /><a href='http://imgur.com/0JLjWbw' target='_blank'><img src='http://i.imgur.com/0JLjWbw.jpg' border='0' alt='user posted image' /></a><br /><br /><b>Reason for sale:</b> Not needed rjb123 Casings &amp; PSUs Garage Sales Mon, 27 Apr 2015 13:54:49 +0800 http://forum.lowyat.net/topic/3396549 <span style='font-size:14pt;line-height:100%'><b>What are ETFs?</b><br /></span><br /><br /><b>DEFINITION OF &#39;EXCHANGE-TRADED FUND - ETF&#39;</b> <a href='http://www.investopedia.com/terms/e/etf.asp' target='_blank'>Source</a><br /><!--SPOILER BEGIN--><div class="spoilertop" onClick="openClose('ab0c1a179d16f83cf5b9fc2976656a39')" style="font-weight: bold"><u>&raquo; Click to show Spoiler - click again to hide... &laquo;</u></div><div class="spoilermain" id="ab0c1a179d16f83cf5b9fc2976656a39" style="display:none"><!--SPOILER END--><br />A security that tracks an index, a commodity or a basket of assets like an index fund, but trades like a stock on an exchange. ETFs experience price changes throughout the day as they are bought and sold.<br /><br />Because it trades like a stock, an ETF does not have its net asset value (NAV) calculated every day like a mutual fund does.<br /><br />By owning an ETF, you get the diversification of an index fund as well as the ability to sell short, buy on margin and purchase as little as one share. Another advantage is that the expense ratios for most ETFs are lower than those of the average mutual fund. When buying and selling ETFs, you have to pay the same commission to your broker that you&#39;d pay on any regular order.<br /><br />One of the most widely known ETFs is called the Spider (SPDR), which tracks the S&amp;P 500 index and trades under the symbol SPY.<br /><!--SPOILER DIV--></div><!--SPOILER DIV--><br /><span style='font-size:14pt;line-height:100%'><b>Benefits of ETFs</b></span> <a href='http://www.investopedia.com/articles/mutualfund/05/060605.asp' target='_blank'>Source</a><br /><br /><b>The Benefits of Trading Like a Stock </b><br /><!--SPOILER BEGIN--><div class="spoilertop" onClick="openClose('526fd1ad7347d8d01dc23cd67efd0cb3')" style="font-weight: bold"><u>&raquo; Click to show Spoiler - click again to hide... &laquo;</u></div><div class="spoilermain" id="526fd1ad7347d8d01dc23cd67efd0cb3" style="display:none"><!--SPOILER END--><br />The easiest way to highlight the advantage of the ETF trading like a stock is to compare it to the trading of a mutual fund. Mutual funds are priced once per day, at the close of business. Everyone purchasing the fund that day gets the same price, regardless of the time of day their purchase was made.<br /><br />Because, like traditional stocks and bonds, ETFs can be traded intraday, they provide an opportunity for speculative investors to bet on the direction of shorter-term market movements through the trading of a single security. For example, if the S&amp;P 500 is experiencing a steep rise in price through the day, investors can try to take advantage of this rise by purchasing an ETF that mirrors the index (such as a SPDR), hold it for a few hours while the price continues to rise and then sell it at a profit before the close of business. Investors in a mutual fund that mirrors the S&amp;P 500 do not have this capability - by nature of the way it is traded, a mutual fund does not allow speculative investors to take advantage of the daily fluctuations of its basket of securities. <br /><br />The ETF&#39;s stock-like quality allows the active investor to do more than simply trade intraday. Unlike mutual funds, ETFs can also be used for speculative trading strategies, such as short selling and trading on margin. In short, the ETF allows investors to trade the entire market as though it were one single stock. <br /><!--SPOILER DIV--></div><!--SPOILER DIV--><br /><b>Low Expense Ratios</b><br /><!--SPOILER BEGIN--><div class="spoilertop" onClick="openClose('57a0fe31347a4d32c1abaf133e594c62')" style="font-weight: bold"><u>&raquo; Click to show Spoiler - click again to hide... &laquo;</u></div><div class="spoilermain" id="57a0fe31347a4d32c1abaf133e594c62" style="display:none"><!--SPOILER END--><br />Everybody loves to save money, particularly investors who take their savings and put them to work in their portfolios. In helping investors save money, ETFs really shine. They offer all of the benefits associated with index funds - such as low turnover and broad diversification (not to mention the often-cited statistic that 80% of the more expensive actively managed mutual funds fail to beat their benchmarks) - plus ETFs cost a lot less.<br /><br />Compare the Vanguard 500 Index Fund, often cited as one of the lowest of the low-cost index funds, and the SPDR 500 ETF. The Vanguard fund&#39;s expense ratio of 21 basis points is significantly lower than the 100+ basis points often charged by actively managed mutual funds. But when compared to the SPDR&#39;s 9.5-basis-point expense ratio, the Vanguard fund&#39;s expense ratio looks quite high. In fact the SPDR is 45% lower, which is tough to argue with.<br /><br />Do keep in mind, however, that because ETFs trade through a brokerage firm, each trade incurs a commission charge. To avoid letting commission costs negate the value of the low expense ratio, shop for a low-cost brokerage (trades under &#036;10 are not uncommon) and invest in increments of &#036;1,000 or more. ETFs also make sense for a buy-and-hold investor who is in a position to execute a large, one-time investment and then sit on it.<br /><!--SPOILER DIV--></div><!--SPOILER DIV--><br /><b>Diversification</b><br /><!--SPOILER BEGIN--><div class="spoilertop" onClick="openClose('365c71a02844858769f81db3124cda95')" style="font-weight: bold"><u>&raquo; Click to show Spoiler - click again to hide... &laquo;</u></div><div class="spoilermain" id="365c71a02844858769f81db3124cda95" style="display:none"><!--SPOILER END--><br />ETFs come in handy when investors want to create a diversified portfolio. There are hundreds of ETFs available, and they cover every major index (those issued by Dow Jones, S&amp;P, Nasdaq) and sector of the equities market (large caps, small caps, growth, value). There are international ETFs, regional ETFs (Europe, Pacific Rim, emerging markets) and country-specific (Japan, Australia, U.K.) ETFs. Specialized ETFs cover specific industries (technology, biotech, energy) and market niches (REITs, gold).<br /><br />ETFs also cover other asset classes, such as fixed income. While ETFs offer fewer choices in the fixed-income arena, there are still plenty of options, including ETFs composed of long-term bonds, mid-term bonds and short-term bonds. While fixed-income ETFs are often selected for the income produced by their dividends, some equity ETFs also pay dividends. These payments can be deposited into a brokerage account or reinvested. If you invest in a dividend-paying ETF, be sure to check the fees prior to reinvesting the dividends, as some firms offer free dividend reinvestment, while others do not.<br /><br />Studies have shown that asset allocation is a primary factor responsible for investment returns, and ETFs are a convenient way for investors to build a portfolio that meets specific asset allocation needs. For example, an investor seeking an allocation of 80% stocks and 20% bonds can easily create that portfolio with ETFs. That investor can even further diversify by dividing the stock portion into large-cap growth and small-cap value stocks, and the bond portion into mid-term and short-term bonds. Or, it would be just as easy to create an 80/20 bond-to-stock portfolio that includes ETFs tracking long-term bonds and those tracking REITs. The large number of available ETFs enables investors to quickly and easily build a diversified portfolio that meets any asset allocation model.<br /><!--SPOILER DIV--></div><!--SPOILER DIV--><br /><span style='font-size:14pt;line-height:100%'><b>How to buy ETFs?</b><br /></span><br /><!--SPOILER BEGIN--><div class="spoilertop" onClick="openClose('ee7a456f84e80b7465b0126ad0171087')" style="font-weight: bold"><u>&raquo; Click to show Spoiler - click again to hide... &laquo;</u></div><div class="spoilermain" id="ee7a456f84e80b7465b0126ad0171087" style="display:none"><!--SPOILER END--><br />First you need a broker, I personally use <a href='https://www.tdameritrade.com' target='_blank'>TD Ameritrade</a> as well as <a href='https://www.interactivebrokers.com' target='_blank'>Interactive Brokers</a>. Both allow account openings of non US residents with a Malaysian address. There&#39;s others too of course which I won&#39;t mention now as I&#39;ve only used these two.<br /><br />Both have their own pros / cons <br /><br /><b>Initial Deposit (&#036; USD)</b><br />TD Ameritrade &#036;2000 / Interactive Brokers &#036;10,000<br /><br /><b>Trading Fees</b><br />TD Ameritrade has around <a href='https://research.tdameritrade.com/grid/public/etfs/commissionfree/commissionfree.asp?fromSectionLeftNav=true' target='_blank'>100 Commission Free ETFs</a> although if you sell these without holding for a minimum of 30 days, you pay a &#036;19.99 short-term trading fee. Non commission free ETFs are charged at &#036;9.99 per trade<br /><br />Interactive Brokers doesn&#39;t have any commission free ETFs but has overall lower trading fees - &#036;0.005 per unit/share with a minimum of &#036;1 USD, maximum of 0.5% of trade value.<br /><br /><b>Market Data</b><br />TD Ameritrade provides free live market data, no monthly fees.<br /><br />Interactive Brokers charges &#036;10 / month for US Market data, although waived if commissions reach &#036;30 or more per calendar month. Also there&#39;s an inactivity fee if your total portfolio balance including cash is less than &#036;100,000<br /><br /><b>Currencies</b><br />TD Ameritrade only allows funding in USD<br /><br />Interactive Brokers allows funding in 18 different currencies. If you have a SGD bank account you could fund your account from there and convert within IB (rates will be far better than any bank will give)<br /><br /><b>Market Access</b><br />TD Ameritrade only gives access to US listed ETFs / Shares<br /><br />Interactive Brokers gives access to many other markets outside of the US - full list with fee structure <a href='https://www.interactivebrokers.com.hk/en/index.php?f=commission&p=stocks1' target='_blank'>HERE</a><br /><!--SPOILER DIV--></div><!--SPOILER DIV--><br /><span style='font-size:14pt;line-height:100%'><b>Taxation</b></span><br /><!--SPOILER BEGIN--><div class="spoilertop" onClick="openClose('b491d789cc426c0dbf0292e1ec36507c')" style="font-weight: bold"><u>&raquo; Click to show Spoiler - click again to hide... &laquo;</u></div><div class="spoilermain" id="b491d789cc426c0dbf0292e1ec36507c" style="display:none"><!--SPOILER END--><br />On opening a US based broker account, you&#39;ll need to provide a <a href='http://www.irs.gov/pub/irs-pdf/fw8ben.pdf' target='_blank'>W-8BEN form</a> which as a non US resident exempts you from paying CGT (capital gains tax).<br /><br />On US ETFs you&#39;ll get Withholding tax deducted from Dividends at a rate of 30% - although half of this can be claimed back as long as you submit a <a href='http://www.irs.gov/pub/irs-pdf/f1040nr.pdf' target='_blank'>1040NR form</a> by April 15 the following tax year.<br /><br />You can also purchase Non US listed ETFs which don&#39;t have any withholding taxes. Eg. on the LSE (London stock exchange) most ETFs are domiciled in either Luxembourg or Ireland so there&#39;s no withholding taxes to pay on any dividend income. Other markets which don&#39;t have Withholding taxes on divideneds are Hong Kong and Singapore (there may be others I haven&#39;t looked into)<br /><!--SPOILER DIV--></div><!--SPOILER DIV--><br /><span style='font-size:14pt;line-height:100%'><b>Funding</b></span><br /><!--SPOILER BEGIN--><div class="spoilertop" onClick="openClose('b204bbfd10fc37ca6acbeaa0e2d0fe46')" style="font-weight: bold"><u>&raquo; Click to show Spoiler - click again to hide... &laquo;</u></div><div class="spoilermain" id="b204bbfd10fc37ca6acbeaa0e2d0fe46" style="display:none"><!--SPOILER END--><br />Funding a US based broker account (such as TD AM or IB in USD) can be done via TT (telegraphic transfer) , the total cost including intermediary bank charges is between &#036;40-50 overall depending on bank - this amount will remain the same regardless if you transfer &#036;1000 or &#036;10,000 so it doesn&#39;t make too much sense doing small amounts as these charges can be quite a significant percentage (4-5% on &#036;1000, 0.4-0.5% on &#036;10,000 etc.)<br /><br />You can open foreign currency accounts at most Malaysian banks if you prefer to hold USD there first / change MYR &gt; USD online on a certain date. Minimum with Maybank for FCA is &#036;1000 (USD).<br /><br />Interactive Brokers allows funding in other currencies - eg. local transfer from Singapore SGD account to IB&#39;s Citibank account in SG - no transfer charges, and it&#39;s not so difficult to open an SGD account in Singapore.<br /><br />Withdrawal charges will work out around the same overall, but if you&#39;re investing for the long term they aren&#39;t really much of a concern. It makes sense to withdraw to an account of the same currency so you can choose when to convert those funds back to MYR.<br /><br /><!--SPOILER DIV--></div><!--SPOILER DIV--><br /><span style='font-size:14pt;line-height:100%'><b>Useful Links</b></span><br /><!--SPOILER BEGIN--><div class="spoilertop" onClick="openClose('1f95c9dab2f21ab7c162a167bb2cb954')" style="font-weight: bold"><u>&raquo; Click to show Spoiler - click again to hide... &laquo;</u></div><div class="spoilermain" id="1f95c9dab2f21ab7c162a167bb2cb954" style="display:none"><!--SPOILER END--><br /><a href='http://etfdb.com/' target='_blank'>ETF Database</a> Screener, news for US ETFs<br /><a href='http://www.morningstar.co.uk/uk/etfs/' target='_blank'>Morningstar UK</a> Screener, news for UK ETFs<br /><!--SPOILER DIV--></div><!--SPOILER DIV--> rjb123 Finance, Business and Investment House Sat, 01 Nov 2014 20:49:34 +0800 http://forum.lowyat.net/topic/3330384 <b>Item(s):</b> Sapphire R9 280X Toxic 3GB DDR5 <br /><br /><b>Package includes:</b> GPU, Molex &gt; PCI-E cable, Driver CD, Quick start guide, HDMI cable, Mini DisplayPort &gt; DisplayPort converter, Crossfire Cable<br /><br /><b>Price:</b> RM 700<br /><br /><b>Warranty:</b> Valid until 04 Mar 2016<br /><br /><b>Dealing method:</b> COD @ Desa Parkcity Maybank + Courier extra courier charges RM20 - at buyer&#39;s risk<br /><br /><b>Location of seller:</b> KL, Desa Parkcity<br /><br /><b>Contact method/details:</b> PM<br /><br /><b>Age of item:</b> Mar 2014<br /><br />---<br /><br /><b>Item(s) conditions:</b> Used approx 2 months, Good working order. In original packaging<br /><br />Please note : Was purchased from UK retailer, so warranty will have to involve them. I will assist buyer with this (and cover the courier charge) in the unlikely event of a warranty claim being required<br /><br /><b>Picture:</b><br /><img src='http://i.imgur.com/o2Cuq5Z.jpg' border='0' alt='user posted image' /><br /><img src='http://i.imgur.com/AP9JUHn.jpg' border='0' alt='user posted image' /><br /><img src='http://i.imgur.com/ubuImNu.jpg' border='0' alt='user posted image' /><br /><br /><b>Reason for sale:</b> Not needed rjb123 Display Cards Garage Sales Mon, 25 Aug 2014 05:34:57 +0800 http://forum.lowyat.net/topic/3184899 <b>Item(s):</b> Mixed scrap phones<br /><br /><b>Package includes:</b> 3 x Blackberry boards (not 100% sure which model..) iPhone 3G 8GB (Cracked screen, separate) Nokia E71 (has battery, battery cover), Nokia N95 (no front cover / LCD, no battery / battery cover), Samsung D600E (complete)<br /><br /><b>Price:</b> RM100 for all&#33;<br /><br /><b>Warranty:</b> None, all not tested and don&#39;t have chargers &#33;<br /><br /><b>Dealing method:</b> COD @ Desa Parkcity or postage.<br /><br /><b>Location of seller:</b> KL<br /><br /><b>Contact method/details:</b> PM<br /><br /><b>Age of item:</b> Mixed<br /><br />---<br /><br /><b>Item(s) conditions:</b> As pictured&#33;<br /><br /><b>Picture:</b><br /><br /><img src='http://i.imgur.com/2KQUrAIl.jpg' border='0' alt='user posted image' /><br /><br /><b>Reason for sale:</b><br /><br /><b>SOLD - Unless buyer doesn&#39;t contact by agreed time </b> rjb123 Garage Sales Archive Sun, 06 Apr 2014 23:16:22 +0800 http://forum.lowyat.net/topic/3184885 Item(s):Belkin F6D4230-4 V3 Wireless Router<br /><br />Package : Router, AC adapter<br /><br />Price: RM40<br /><br />Warranty: N/A<br /><br />Dealing method: COD (Desa Parkcity), Postage<br /><br />Location of seller:k KL<br /><br />Contact method/details:PM<br /><br />Age of item: 4 Years, but only used for 1-2 weeks<br /><br />---<br /><br />Item(s) conditions : Works fine<br /><br />Picture: <br /><img src='http://i.imgur.com/E6Mp6Ckl.jpg' border='0' alt='user posted image' /><br />Reason for sale: Not needed rjb123 Networking Related Items Garage Sales Sun, 06 Apr 2014 23:02:44 +0800 http://forum.lowyat.net/topic/3179669 <b>Item(s):</b> Sapphire R9 280X Toxic 3GB DDR5<br /><br /><b>Package includes:</b> GPU, Molex &gt; PCI-E cable, Driver CD, Quick start guide, HDMI cable, Mini DisplayPort &gt; DisplayPort converter, Crossfire Cable<br /><br /><b>Price:</b> RM1299<br /><br /><b>Warranty:</b> 2 Years , Valid until 04 Mar 2016<br /><br /><b>Dealing method:</b> COD @ Desa Parkcity, Maybank + Courier extra courier charges RM20 - at buyer&#39;s risk<br /><br /><b>Location of seller:</b> KL, Desa Parkcity<br /><br /><b>Contact method/details:</b> PM<br /><br /><b>Age of item:</b> Shipped from supplier on 04 / March, never opened or used&#33;<br /><br />---<br /><br /><b>Item(s) conditions:</b> NEW + SEALED<br /><br /><b>Picture:</b><br /><img src='http://i.imgur.com/o2Cuq5Z.jpg' border='0' alt='user posted image' /><br /><img src='http://i.imgur.com/AP9JUHn.jpg' border='0' alt='user posted image' /><br /><img src='http://i.imgur.com/ubuImNu.jpg' border='0' alt='user posted image' /><br /><br /><b>Reason for sale:</b> Surplus, bought too many <br /><br />Please note : Was purchased from UK retailed, so warranty will have to involve them. I will assist buyer with this in the unlikely event of a warranty claim being required &#33; rjb123 Garage Sales Archive Tue, 01 Apr 2014 18:41:27 +0800 http://forum.lowyat.net/topic/3179660 <b>Item(s):</b> MSI GTX670 2GB DDR5, this exact model : <a href='http://www.msi.com/product/vga/N670GTXPM2D2GD5OC.html' target='_blank'>http://www.msi.com/product/vga/N670GTXPM2D2GD5OC.html</a><br /><br /><b>Package includes:</b> Card only, as pictured<br /><br /><b>Price:</b> RM800<br /><br /><b>Warranty:</b> N/A<br /><br /><b>Dealing method:</b> COD @ Desa Parkcity (test on the spot) , PosLaju RM15 extra<br /><br /><b>Location of seller:</b> KL <br /><br /><b>Contact method/details:</b> PM<br /><br /><b>Age of item:</b> Approx 1 year<br /><br />---<br /><br /><b>Item(s) conditions:</b> Good condition, just dusty (to be expected&#33;)<br /><br /><b>Picture:</b><br /><img src='http://i.imgur.com/buPRbDQl.jpg' border='0' alt='user posted image' /><br /><img src='http://i.imgur.com/OfLeFJEl.jpg' border='0' alt='user posted image' /><br /><img src='http://i.imgur.com/k4b0cbPl.jpg' border='0' alt='user posted image' /><br /><br /><b>Reason for sale:</b> Not required rjb123 Display Cards Garage Sales Tue, 01 Apr 2014 18:23:19 +0800 http://forum.lowyat.net/topic/3179097 <b>Item(s):</b> Leadtek GTS450 1GB DDR3 <br /><br /><b>Package includes:</b> Card only<br /><br /><b>Price:</b> RM 165 (by Poslaju) RM 150 (COD, Desa Parkcity only)<br /><br /><b>Warranty:</b> N/A - if collecting can bring board/PSU etc. and test <br /><br /><b>Dealing method:</b> Poslaju, COD @ Desa Parkcity only<br /><br /><b>Location of seller:</b> KL<br /><br /><b>Contact method/details:</b> PM<br /><br /><b>Age of item:</b> Approx 2 years<br /><br />---<br /><br /><b>Item(s) conditions:</b> Good working order<br /><br /><b>Picture:</b> <br /><img src='http://i.imgur.com/G8zQzyvl.jpg' border='0' alt='user posted image' /><br /><img src='http://i.imgur.com/Dy8VmfCl.jpg' border='0' alt='user posted image' /><br /><br /><b>Reason for sale:</b> Not needed rjb123 Garage Sales Archive Tue, 01 Apr 2014 10:47:34 +0800