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        <title>Lowyat.NET: Latest topics by norman05051984</title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Thu, 25 Jun 2026 20:58:11 +0800</lastBuildDate>
        <generator>FeedCreator 1.7.2</generator>
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            <title>Bakery in Cyberjaya</title>
            <link>http://forum.lowyat.net/topic/5326719</link>
            <description>Hi, I&amp;#39;m in the midst of expanding my bakery business from online to offline (the premise is located in Cyberjaya in early 2022). Currently sole prop and looking for partner(s) for PLT or Sdn Bhd. &lt;br /&gt;&lt;br /&gt;As for now, we have 23k followers on IG with more than 100,000 interactions during the last 90 days. At the moment, I&amp;#39;m in the early stage of obtaining Halal certification from JAKIM for this new business journey.&lt;br /&gt;&lt;br /&gt;I&amp;#39;m looking for a partner with experience in retail and OEM business, and together we can make the first million ringgit in 2023.</description>
            <author>norman05051984</author>
            <category>Business For Sale</category>
            <pubDate>Sat, 12 Nov 2022 20:39:19 +0800</pubDate>
        </item>
        <item>
            <title>MH4 Kul to LHR ASMR</title>
            <link>http://forum.lowyat.net/topic/5161196</link>
            <description>[YOUTUBE]1eWTpNNfqCc[/YOUTUBE]&lt;br /&gt;&lt;br /&gt;Damn rindu nak fly again. &lt;!--emo&amp;:bangwall:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/bangwall.gif' border='0' style='vertical-align:middle' alt='bangwall.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:bangwall:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/bangwall.gif' border='0' style='vertical-align:middle' alt='bangwall.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:bangwall:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/bangwall.gif' border='0' style='vertical-align:middle' alt='bangwall.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;&lt;br /&gt;demyuh kobisss</description>
            <author>norman05051984</author>
            <category>Kopitiam</category>
            <pubDate>Thu, 24 Jun 2021 16:42:14 +0800</pubDate>
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            <title>Is this the proof kobid-19 bioweapon</title>
            <link>http://forum.lowyat.net/topic/5160226</link>
            <description>&lt;a href='https://www.facebook.com/watch/?v=318394943070006' target='_blank'&gt;Kobid-19 proof&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;TLDW: &lt;br /&gt;CCP make virus&lt;br /&gt;hydrocloxxx is the cure&lt;br /&gt;Orange man said hydrocloxxx is the cure&lt;br /&gt;CCP spread fake news hydrccxxx is not the cure&lt;br /&gt;WHO, Dr Fauci, NIH said hydrccxxx is not the cure &lt;br /&gt;&lt;br /&gt;20min clip&lt;br /&gt;</description>
            <author>norman05051984</author>
            <category>Kopitiam</category>
            <pubDate>Mon, 21 Jun 2021 22:07:42 +0800</pubDate>
        </item>
        <item>
            <title>Buy or subscription plan?</title>
            <link>http://forum.lowyat.net/topic/4830290</link>
            <description>Hi, &lt;br /&gt;&lt;br /&gt;I&amp;#39;m running a company under sole proprietary. So i travel a lot for delivery to customer, buying stok kedai and what not. Cut long story short, i had an accident and my car was claimed total lost. &lt;br /&gt;&lt;br /&gt;Now, im using my FIL old Toyota Unser in which a total gas guzzler. After 6 months, i tak tahan already, with all expenses goes to fuel and frequent visit to workshop even though i admit the Unser is a good workhorse. &lt;br /&gt;&lt;br /&gt;Im planning to buy a car, however i want to place it under my company as it will be mainly used for business purposes. However, i stumbled upon a car subscription plan in which i pay a fix amount of fee and all car related expenses (Road tax, insurance, service except fuel) is in a fix monthly, yearly amount. &lt;br /&gt;&lt;br /&gt;Just want to gauge opinions for you guys. what is the best for me to get a car? buy outright or subscribe?&lt;br /&gt;&lt;br /&gt;</description>
            <author>norman05051984</author>
            <category>The Fast &amp;amp; The Furious</category>
            <pubDate>Fri, 30 Aug 2019 10:56:43 +0800</pubDate>
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        <item>
            <title>omaigad, google chef wan now&amp;#33;</title>
            <link>http://forum.lowyat.net/topic/4637521</link>
            <description>Try google chef wan now, and tell me what you see.&lt;br /&gt;&lt;br /&gt;Hahahahaha</description>
            <author>norman05051984</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Tue, 14 Aug 2018 16:27:20 +0800</pubDate>
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            <title>RM1.3B. Shake head...</title>
            <link>http://forum.lowyat.net/topic/4599360</link>
            <description>Lihat gambar rajah di bawah dan bincangkan hal ini. (5 markah).&lt;br /&gt;&lt;br /&gt;dibawah adalah jawapan terbaik untuk perbincangan kali ini. Markah penuh untuk @darthboyze&lt;br /&gt;&lt;br /&gt;&lt;img src='http://www.malaysia-today.net/wp-content/uploads/2018/06/CRIC.jpg' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;Thread akan dibuka kecuali jika mendapat arahan untuk ditutup bagi tujuan perbincangan ilmiah</description>
            <author>norman05051984</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Mon, 11 Jun 2018 09:46:57 +0800</pubDate>
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        <item>
            <title>Bakery Assistant Wanted</title>
            <link>http://forum.lowyat.net/topic/4530262</link>
            <description>&lt;b&gt;Name of Company:&lt;/b&gt; MyAja Cookies Enterprise&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Role:&lt;/b&gt; Pembantu Bakeri&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Remuneration:&lt;/b&gt; RM1100 ++ (+ Elaun kerajinan ) (+ Elaun kemahiran)&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Requirements:&lt;/b&gt; &lt;br /&gt;1. Wanita sahaja. &lt;br /&gt;                                2. Kemahiran tidak diperlukan, latihan akan diberi &lt;br /&gt;                                3. Jujur dan amanah dalam menjalankan tugas.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Contact Person:&lt;/b&gt; Norman. Call atau Whatsapp di 018-7755657&lt;br /&gt;&lt;br /&gt;</description>
            <author>norman05051984</author>
            <category>Job Enlistments</category>
            <pubDate>Fri, 23 Feb 2018 16:34:31 +0800</pubDate>
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            <title>Vintage Teak Dining Table</title>
            <link>http://forum.lowyat.net/topic/4161917</link>
            <description>&lt;b&gt;Item(s): Vintage Teak Dining Table&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Package includes: Table only. As seen in the picture. &lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Price:RM 2200 (nego)&lt;/b&gt; &lt;br /&gt;&lt;br /&gt;&lt;b&gt;Warranty: 3 days &lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Dealing method:CASH. &lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Location:Dengkil area &lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Contact method/details: PM only. &lt;/b&gt;&lt;br /&gt;---&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Item(s) conditions: Excellent condition. Please see attached picture &lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Picture:[attachmentid=8329791][attachmentid=8329795][attachmentid=8329801]&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Reason for sale:Letting go unwated stuff&lt;/b&gt;</description>
            <author>norman05051984</author>
            <category>Garage Sales</category>
            <pubDate>Fri, 30 Dec 2016 11:15:56 +0800</pubDate>
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        <item>
            <title>Too many MCs because of</title>
            <link>http://forum.lowyat.net/topic/3779122</link>
            <description>Hi All,&lt;br /&gt;&lt;br /&gt;My friend in a verge of being sacked from her current company because she had an unusual sensation (nausea, arm &amp;amp; leg numbness, shortness of breath, dizziness) while working in her new workplace. Let me give u chronology of the situation.&lt;br /&gt;&lt;br /&gt;August&lt;br /&gt;Got a job in a new company. Better salary, less workload, excellent benefit especially insurance.&lt;br /&gt;&lt;br /&gt;September&lt;br /&gt;Started not feeling well, almost collapsed at office, warded in KPJ for 3 days, all medical test return normal despite her still not feeling well. Doctor advised to see shrink under reason Panic Attack, she refused. When come to office, the sensation comes again. Got MCs from KPJ for 1 week.&lt;br /&gt;&lt;br /&gt;October&lt;br /&gt;Still not feeling well. Go to see mediator. They said she is a victim of black magic targeted to her. Not convinced, she approached 3 other mediator and all of them gave same &amp;#39;diagnosis&amp;#39; with more less same description (work related). Begin traditional treatment. Get MCs from KPJ &amp;amp; Colombia Asia every now and then. Still not feeling well&lt;br /&gt;&lt;br /&gt;November&lt;br /&gt;Still not feeling well. Still under traditional treatment. Went for 2nd medical test, all return normal, doc said you have to manage stress. Her boss started sending long email &amp;amp; whatsapp about her absenteeism. Possibility for her to be sacked is high due to her MCs. She is now thinking to resign as she not able to focus on her work due to &amp;#39;that&amp;#39; thing keeps make her not feeling well. Thinking to apply 3-6 month unpaid leave for traditional treatment. Once ok, will continue work because she love her job right now. &lt;br /&gt;&lt;br /&gt;Questions&lt;br /&gt;1.  Can an employee be sacked because of too many MC? The fact is the MC given is from reputable hospital not some chapalang klinik in Pudu area. FYI MC is still within her available MC, i think 25 days &lt;br /&gt;&lt;br /&gt;2. The fact she still not feeling well despite 2 medical report return negative, what is the best approach to tell the management about her situation rather than telling them &amp;#39;i kena buatan orang&amp;#39; &lt;br /&gt;&lt;br /&gt;3. Which is better? Voluntary resign or dismissed by her company? If resign, need to pay 3 month salary in lieu. That susah. &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Any constructive opinion is highly appreciated.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;  &lt;br /&gt;&lt;br /&gt;</description>
            <author>norman05051984</author>
            <category>Jobs &amp;amp; Careers</category>
            <pubDate>Wed, 18 Nov 2015 16:55:21 +0800</pubDate>
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        <item>
            <title>Drove off with fuel pump</title>
            <link>http://forum.lowyat.net/topic/3698354</link>
            <description>It happened to me dis night. I was tired after a long day in office. Came to shell around kajang and begin to fill up my car.&lt;br /&gt;Then I,went to toilet after that I just drove off. Then I heard a loud cling sound only that I realized I drove off with the fuel pump still attached at my car.&lt;br /&gt;&lt;br /&gt;The pump attendant quickly approached me and said that I have to pay rm250 for repair. Of course I said no money, then she asked me my details like ic no, name n phone number in which I reluctantly obliged.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;So sifu, I want to ask what are the procedure for my predicament? Do I have to pay? &lt;br /&gt;&lt;br /&gt;*No troll please, yes I&amp;#39;m a man, yes this is my first time and yes it is an accident and lastly I&amp;#39;m responsible for my mistake. Please advise.</description>
            <author>norman05051984</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Wed, 02 Sep 2015 23:47:04 +0800</pubDate>
        </item>
        <item>
            <title>New Cabinet Resuffle</title>
            <link>http://forum.lowyat.net/topic/3661543</link>
            <description>Look and see &lt;!--emo&amp;:hehe:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/brows.gif' border='0' style='vertical-align:middle' alt='brows.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:hehe:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/brows.gif' border='0' style='vertical-align:middle' alt='brows.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:hehe:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/brows.gif' border='0' style='vertical-align:middle' alt='brows.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>norman05051984</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Tue, 28 Jul 2015 14:26:30 +0800</pubDate>
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        <item>
            <title>Teknik Manipulasi ASB + EPF</title>
            <link>http://forum.lowyat.net/topic/3619877</link>
            <description>Dear /k, &lt;br /&gt;&lt;br /&gt;I stumbled upon this article saying that we can manipulate our ASB n EPF so that we can reduce our commitment in housing loan repayment.&lt;br /&gt;&lt;br /&gt;Since my SPM Add Math only 8E, im not sure whether the calculation provided is true. Here&amp;#39;s the link&lt;br /&gt;&lt;br /&gt;&lt;a href='http://gilahartanah.com/manipulasi-asb-epf-untuk-kurangkan-ansuran-loan-rumah-sebanyak-79/' target='_blank'&gt;http://gilahartanah.com/manipulasi-asb-epf...ah-sebanyak-79/&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;Seems like a good proposition. Any one who can vouch this idea?</description>
            <author>norman05051984</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Thu, 25 Jun 2015 21:55:18 +0800</pubDate>
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        <item>
            <title>&amp;lt;WTS&amp;gt; MyAja Cookies Doorgift</title>
            <link>http://forum.lowyat.net/topic/3537518</link>
            <description>&lt;b&gt;&lt;span style='font-size:14pt;line-height:100%'&gt;&lt;span style='color:red'&gt;MyAja Cookies Doorgift.&lt;/span&gt;&lt;/span&gt;&lt;/b&gt;  &lt;!--emo&amp;:clap:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/rclxms.gif' border='0' style='vertical-align:middle' alt='rclxms.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;&lt;br /&gt;&lt;span style='font-size:14pt;line-height:100%'&gt;Pembekal biskut, pencuci mulut dan &amp;#39;doorgift&amp;#39; yang menggunakan bahan bermutu dengan harga yang amat berpatutan.&lt;br /&gt;&lt;br /&gt;Kami komited dengan bahan yang bermutu tinggi akan menghasilkan produk yang sama mutunya. Kami yakin akan produk kami akan memberi kepuasan yang yang tak terhingga bermula daripada gigitan pertama.&lt;br /&gt;&lt;br /&gt;Berasaskan bahan-bahan yang berkualiti kepuasan pelanggan adalah keutamaan bagi Myaja Cookies.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Amat sesuai untuk dijadikan sebagai cenderahati perkahwinan, majlis Aqiqah atau sebagainya.&lt;br /&gt;Isi kandungan botol boleh pilih :&lt;br /&gt;1.) MyajaCookies Choc Chip Crunchy Original &lt;!--emo&amp;:drool:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/drool.gif' border='0' style='vertical-align:middle' alt='drool.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;2.) MyajaCookies Choc Chip Crunchy Vanilla &lt;!--emo&amp;:drool:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/drool.gif' border='0' style='vertical-align:middle' alt='drool.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;3.) Biskut Aiskrim &lt;!--emo&amp;:drool:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/drool.gif' border='0' style='vertical-align:middle' alt='drool.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;4.) Jelly &lt;!--emo&amp;:drool:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/drool.gif' border='0' style='vertical-align:middle' alt='drool.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;5.)Mashmallow &lt;!--emo&amp;:drool:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/drool.gif' border='0' style='vertical-align:middle' alt='drool.gif' /&gt;&lt;!--endemo--&gt; &lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style='font-size:16pt;line-height:100%'&gt;Warna doorgift adalah mengikut tema majlis anda. Harga adalah termasuk customize sticker.&lt;br /&gt;Berminat bolehlah Whats app 0197575657 ataupun PM.&lt;br /&gt;&lt;br /&gt;Layari Facebook Page kami di &lt;a href='http://www.fb.com/myajacookies' target='_blank'&gt;MyAja Cookies Facebook Page&lt;/a&gt;&lt;br /&gt;&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;[attachmentid=4391951][attachmentid=4391954][attachmentid=4391955][attachmentid=4391956][attachmentid=4391957][attachmentid=4391962][attachmentid=4391964][attachmentid=4391965][attachmentid=4391966][attachmentid=4391968] &lt;!--emo&amp;:D--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/biggrin.gif' border='0' style='vertical-align:middle' alt='biggrin.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:D--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/biggrin.gif' border='0' style='vertical-align:middle' alt='biggrin.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:D--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/biggrin.gif' border='0' style='vertical-align:middle' alt='biggrin.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>norman05051984</author>
            <category>Food Market Garage Sales</category>
            <pubDate>Mon, 30 Mar 2015 15:29:50 +0800</pubDate>
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        <item>
            <title>(WTS) TP-Link TL-MR3040 (*sold*)</title>
            <link>http://forum.lowyat.net/topic/3371082</link>
            <description>TP-Link Portable Battery Powered 3G/4G Wireless N Router TL-MR3040&lt;br /&gt;&lt;span style='color:blue'&gt;&lt;br /&gt;&lt;span style='font-size:14pt;line-height:100%'&gt;Highlights&lt;/span&gt;:&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;*Compatible with LTE/ HSPA+/UMTS/EVDO 3G/4G USB modems&lt;br /&gt;*Features a 2000mAh battery for maximum usage time&lt;br /&gt;*Three operation modes available for different situations: 3G/4G Router, Travel Router (AP), WISP Client Router&lt;br /&gt;*150Mbps wireless speeds for rapid sharing and increased signal range&lt;br /&gt;&lt;br /&gt;* 4G LTE Modems Compatibility apply to TL-MR3040 Version 1.0 and Version 2.0 both. However, for TL-MR3040_V1, only firmware TL-MR3040_V1_120822 supports 4G LTE Modems.&lt;br /&gt;&lt;br /&gt;&lt;img src='http://ioomobile.com/iooimages/tp-link-tl-mr3040-portable-battery-powered-3g-4g-usb-modem-wireless-n-router-01.jpg' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;    Share a 3G/4G mobile connection, compatible with LTE/HSPA+/HSPA/UMTS/EVDO 3G/4G USB modems&lt;br /&gt;    Battery powered, portable design, light and small enough for you to take anywhere&lt;br /&gt;    Wireless N speed up to 150Mbps&lt;br /&gt;    IP-based bandwidth control allows administrators to determine how much bandwidth is allotted to each connected device&lt;br /&gt;    A micro USB port to be connected to your laptop or power adapter for power supply&lt;br /&gt;    Three working modes: 3G/4G Router, Travel Router (AP), WISP Client Router&lt;br /&gt;    Easy operation modes change at a flip of the operation mode switch&lt;br /&gt;&lt;br /&gt;Purchased price : RM 110.00&lt;br /&gt;&lt;b&gt;Selling Price : RM79.00&lt;br /&gt;COD area: Bangi, Putrajaya, Cyberjaya.&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;Postage will be borne by customer. &lt;br /&gt;&lt;br /&gt;Reason for sell : Wrongly bought for my wife.</description>
            <author>norman05051984</author>
            <category>Garage Sales Archive</category>
            <pubDate>Tue, 07 Oct 2014 12:34:33 +0800</pubDate>
        </item>
        <item>
            <title>Personal Loan after apply housing loan</title>
            <link>http://forum.lowyat.net/topic/3340657</link>
            <description>Hi /k,&lt;br /&gt;&lt;br /&gt;Last month i placed RM2000 booking fee for a house in Dengkil (RM420k). At that time, i have around RM45k of saving for 10% DP.&lt;br /&gt;&lt;br /&gt;Unfortunately, last week my mom admitted to hospital, and the cost for her surgery is around RM40k++. To make it worse, she dont have any insurance so I have to use my saving for her surgery. &lt;br /&gt;&lt;br /&gt;That being said, now i have difficulty to pay my DP since all my saving goes to her surgery.&lt;br /&gt;&lt;br /&gt;My question is:&lt;br /&gt;&lt;br /&gt;1. Can i apply personal loan, let say RM50k once bank approved my housing loan to pay my DP?&lt;br /&gt;2. Any other way for me to get RM45k (legally) to pay my DP?&lt;br /&gt;3. I have RM10k personal loan, can i apply another personal loan?&lt;br /&gt;&lt;br /&gt;Footnote:&lt;br /&gt;1. It&amp;#39;s a joint loan&lt;br /&gt;2. Combined income: RM5200&lt;br /&gt;3. Total commitment: RM423 monthly (CC and personal loan)&lt;br /&gt;4. I have a house subsidy from my company (but payable until i get individual title &lt;b&gt;IF&lt;/b&gt; i can get the house, so affordability is not a big question)&lt;br /&gt;&lt;br /&gt;Thanks&lt;br /&gt;</description>
            <author>norman05051984</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Fri, 05 Sep 2014 14:46:33 +0800</pubDate>
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        <item>
            <title>Need recommendation..</title>
            <link>http://forum.lowyat.net/topic/3327185</link>
            <description>Continuation from &lt;br /&gt;&lt;br /&gt;&lt;a href='https://forum.lowyat.net/index.php?showtopic=3026965&amp;view=findpost&amp;p=69911034' target='_blank'&gt;https://forum.lowyat.net/index.php?showtopi...post&amp;p=69911034&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;and&lt;br /&gt;&lt;br /&gt;&lt;a href='https://forum.lowyat.net/index.php?showtopic=3026965&amp;view=findpost&amp;p=69929569' target='_blank'&gt;https://forum.lowyat.net/index.php?showtopi...post&amp;p=69929569&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;For those who don&amp;#39;t want to click, summary below.&lt;br /&gt;&lt;br /&gt;1. Saw mudah ads, apt ground floor selling @ RM295k&lt;br /&gt;2. Approach agent nego RM280k&lt;br /&gt;3. Asked 6 banks for indicative valuation&lt;br /&gt;4. 4 replied: Min 210k - Max 240k&lt;br /&gt;5. Nego again for RM250k&lt;br /&gt;6. Agent (owner) die die want to sell it @ RM275k.&lt;br /&gt;7. TBC...&lt;br /&gt;&lt;br /&gt;So agent assured me, if i applied loan with his banker, i will get valuation RM275k hence no additional topup required. Just prepare 3% earnest deposit only. He also assured me that if i don&amp;#39;t get 90% financing, deposit refunded&lt;br /&gt;&lt;br /&gt;The question is if major banks value the property lower than asking price, then how he assured he can get the valuation of RM275k? &lt;br /&gt;&lt;br /&gt;If he managed to find bank(s) to finance up to 90%, but i don&amp;#39;t agree with the rates. Does my deposit hangus?&lt;br /&gt;&lt;br /&gt;Any other suggestions to add clause in booking form so that i will be covered and deposit wont hangus?&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;</description>
            <author>norman05051984</author>
            <category>Property Talk</category>
            <pubDate>Thu, 21 Aug 2014 15:37:06 +0800</pubDate>
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            <title>Anyone here use Squarespace?</title>
            <link>http://forum.lowyat.net/topic/3249073</link>
            <description>Hi All,&lt;br /&gt;&lt;br /&gt;Im planning to publish my website for business purpose (bakery industry). After doing some research, i&amp;#39;m really interested in Squarespace. Reason being:&lt;br /&gt;&lt;br /&gt;1. They have a really gorgeous template and themes. They look professional and neat.&lt;br /&gt;2. For noob like me who dont have any HTML knowledge, their WYSIWYG is very easy to use. &lt;br /&gt;&lt;br /&gt;But:&lt;br /&gt;&lt;br /&gt;1. Their price is quite on the high side. &amp;#036;96 per year (cheapest plan) = RM313. However, the price is justified with all the hassle if you buy domain, hosting, template/theme separately. &lt;br /&gt;2. Their built-in e-commerce payment gateway is not compatible with Malaysia. &lt;br /&gt;&lt;br /&gt;Question:&lt;br /&gt;1. Is there anyone here who use Squarespace? How is their reliability, performance etc on your site?&lt;br /&gt;2. Some honest review about Squarespace&lt;br /&gt;3. Will you recommend me to use Squarespace or other hosting?  &lt;br /&gt;</description>
            <author>norman05051984</author>
            <category>Content Creators, Blogmasters &amp;amp; Webmasters</category>
            <pubDate>Fri, 06 Jun 2014 11:10:52 +0800</pubDate>
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        <item>
            <title>Florentine Cookies untuk dijual.</title>
            <link>http://forum.lowyat.net/topic/3139268</link>
            <description>&lt;span style='font-size:14pt;line-height:100%'&gt;&lt;br /&gt;MyAja Cookies menyediakan pelbagai pemanis mulut yang pasti memikat selera anda. Florentine Cookies kami disediakan dengan bahan yang bermutu tinggi dan halal untuk memastikan kualiti cookies kami sentiasa pada standard yang tinggi. Dengan harga yang amat berpatutan berbanding pesaing lain, MyAja Cookies sudah semestinya pilihan yang terbaik untuk memenuhi citarasa anda.&lt;br /&gt;&lt;br /&gt;Kami juga menerima tempahan untuk pavlova, mini pavlova, chocolate chip cookies (ala famous amos), macaroon dan apam polka dot semuanya dengan harga yang berpatutan&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Berat : 250 gram&lt;br /&gt;Kandungan : Kuaci, Badam, Biji Sawi dan kekacang segar&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Hubungi nombor yang tertera untuk mengetahui cara bayaran. Kami menerima bayaran secara online atau cash. Tambahan caj penghantaran akan dikenakan untuk penghantaran secara pos. Pembelian secara pukal akan diberi diskaun istimewa (termasuk penghantaran percuma). &lt;/span&gt;</description>
            <author>norman05051984</author>
            <category>Services Noticeboard</category>
            <pubDate>Fri, 21 Feb 2014 17:19:02 +0800</pubDate>
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        <item>
            <title>[WFR] Apartment near Cyberjaya or its vicinity</title>
            <link>http://forum.lowyat.net/topic/3086488</link>
            <description>Forced to move out by owner (he wanted to sell his current property). I need to find an apartment (or a house) to rent starting this March 2014. Details as follows:&lt;br /&gt;&lt;br /&gt;Area : Cyberjaya or its vicinity (as I and my wife are working here)&lt;br /&gt;Monthly rent: Not more than RM 1000.00 (depending on the location offered)&lt;br /&gt;Current status: Married with 1 daughter.&lt;br /&gt;Move in date: Late March 2014.&lt;br /&gt;&lt;br /&gt;thank you</description>
            <author>norman05051984</author>
            <category>Property For Sale</category>
            <pubDate>Thu, 02 Jan 2014 19:01:02 +0800</pubDate>
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        <item>
            <title>Ghost invades selfie?</title>
            <link>http://forum.lowyat.net/topic/3068587</link>
            <description>&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('9ba22baf11f4e95ccd6d64896082ffa4')&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;9ba22baf11f4e95ccd6d64896082ffa4&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;&lt;br /&gt;&lt;img src='http://asset3.cbsistatic.com/cnwk.1d/i/tim2/2013/12/16/Geldofghosthand_610x610.jpg' border='0' alt='user posted image' /&gt;&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;&lt;br /&gt;When the daughter of British rock star Bob Geldof took a photo of herself and her son Astala, a ghostly interloper seemed to get in on the act.&lt;br /&gt;&lt;br /&gt;An unexplainable image of a mysterious hand appeared on socialite Peaches Geldof&amp;#39;s shoulder when she took the photo of herself and her son in the bath. When she posted the photo on Instagram she wrote:&lt;br /&gt;&lt;br /&gt;&amp;quot;Close up shot of the mystery ghost hand in pic I took of Astala and me in the bath&amp;#33;&amp;#33; And no that isn&amp;#39;t my hand -- one of mine was round his waist to hold him during the photo, the other holding the camera to take the shot. Also the hand is around my shoulder so totally weird angle if I did it myself&amp;#33;&amp;#33; How terrifying&amp;#33;&amp;#33;&amp;quot; &lt;br /&gt;&lt;br /&gt;While skeptics might explain away the hand as merely an effect of double exposure, Geldof says she thinks the hand could belong to the ghost of the previous owner of the house where she lives with her family in Southeast England.&lt;br /&gt;&lt;br /&gt;&amp;#39;The house was built in the 1920s by a rich man and his pregnant wife,&amp;quot; Geldof told the Daily Mail. &amp;quot;However, his wife had a stillborn baby and was so grief-stricken she went mad. She apparently drowned herself in the bath.&amp;quot;&lt;br /&gt;&lt;br /&gt;Geldof claims the photo is real, but for those who want to pull off the ultimate Instagram ghost prank, it&amp;#39;s easy enough to add a spirit to any photo with the &lt;a href='http://download.cnet.com/GhostCam-Pro/3000-12511_4-75467534.html' target='_blank'&gt;GhostCam Pro&lt;/a&gt;app. &lt;br /&gt;&lt;br /&gt;&lt;a href='http://news.cnet.com/8301-17938_105-57615690-1/ghost-invades-peaches-geldofs-selfie/?part=rss&amp;subj=cnet&amp;tag=readMore' target='_blank'&gt;SOS&lt;/a&gt;&lt;br /&gt;&lt;a href='http://instagram.com/p/hwmWgLyTHE/' target='_blank'&gt;Instagram&lt;/a&gt;</description>
            <author>norman05051984</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Tue, 17 Dec 2013 10:28:23 +0800</pubDate>
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