Lowyat.NET: Latest topics by junior

[WTS] Hotlink Credit 10-20% off (Share A Top Up)

junior — Wed, 21 Mar 2018 17:30:32 +0800

Update Aug 2024 - Hello. Thanks for your interest. Items not available at the moment.

Item(s):
RM 45 for RM 50 Hotlink credits (10% off)
RM 90 for RM 100 Hotlink credits (10% off)
RM 144 for RM 160 Hotlink credits (10% off)
RM 170 for RM 200 Hotlink credits (15% off)
RM 240 for RM 300 Hotlink credits (20% off)
Via Hotlink Share A Top Up
10-20% off!

Package includes:
Hotlink credits with 5 days validity. These credits will not be forfeited after 5 days and you may utilise them anytime you wish when your line is active.

Dealing method:
Bank transfer

Contact method/details:
PM

Reason for sale:
Extra credits / porting out

[WTS] Digi Credit / Digi Talktime at 16% discount

junior — Sat, 04 Nov 2017 16:39:24 +0800

Hello. Thanks for your interest. Items not available at the moment.

Item(s):
RM 21 for RM 25 talktime transfer
RM 42 for RM 50 talktime transfer
RM 63 for RM 75 talktime transfer
RM 84 for RM 100 talktime transfer

Package includes:
Digi Talktime credits with 7 days validity. These credits will not be forfeited after 7 days and you may utilise them anytime you wish when your line is active.

Dealing method:
Bank transfer

Contact method/details:
PM

Reason for sale:
Extra credits / porting out

[attachmentid=9669381][attachmentid=9669382]

Feeback for OG Heights condo (OUG)

junior — Tue, 29 Dec 2009 10:07:48 +0800

Need some feedback from those staying here ....
And also any sifus who could advice if this a sound investment

Size: 1000 square feet
Rooms: 3
Bathroom: 2
Car park: 1
Freehold
How old: Think more than 15 years
Price: RM 150K

I like the place which is quiet, windy. OUG is a good and central location

Questions:
How's the Resident Association? I heard is strong
Maintenance - I've been there, good maintenance. Your feedback?
Strata title - already got?
Car park - Can rent extra 2 car parks? What's the fee?
Traffic - how is it esp. during peak hours?
Rental - preliminary survey shows could rent out at least RM 1.2K for fully furnish. Is this the mkt price?
Maintenance fee - yet to get the info ... anyone care to share?
Resident type: Mostly owners, student, professional, foreigner?
Security - this I have no idea ...
Noise from KESAS highway - bearable?

Anything else to share ... is welcome! Thanks.

Need urgent help on home loan calculation/ options

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

Need urgent help on home loan calculation/ options

junior — Sun, 06 Dec 2009 22:44:21 +0800

Plan to get a housing loan of RM 150K at interest rate of 3.8. Daily rest calculation. Can pay extra without incurring penalty. Extra payment will always reduce principal.

I've shortlisted 3 options:
(Tenure / Monthly payment / Total Interest)

5 years / RM 2,748.96 / RM 14937.64
7 years / RM 2036.54 / RM 21069.39
30 years / RM 698.94 / 101616.97

Interest rate = BLR 5.6 - 1.8 = 3.8

I'm able to pay RM 2036.54 monthly.

Questions:
1. Which package should I choose?
2. If I go for 30 years option and if I pay RM 2036.54 monthly, will the loan finished within 7 years and with the same total interest? Based on the daily rest calc etc as stated above. Reason being for going for 30 years package is so the monthly installment is lowered to RM 698.94 thus letting me to get loan for 2nd house etc in the future.
3. If I have RM 20K cash, should I dump in to reduce the principal or use it to buy 2nd house? With current BLR - 1.8 = 3.8 and investment rate @ 6%, should I pay my debt or use the $ to invest?
4. Should I prepay more monthly eg. taking 30 years loan at RM 698.94/monthly. I'm able to pay RM 2036.54. The question is should I pay more or channel the money for investment?

Thanks sifu!

SAP Trainee Consultant free training programme

junior — Thu, 27 Aug 2009 19:26:55 +0800

Heard there's such SAP Trainee Consultant free training programme.
1 month, free training.

Anyone had join and care to share the experience?
Which provider and location of the training?
The learning experience compared to the paid SAP course? (if applicable)
The most important question is how beneficial is it?

Thanks in advance!

Where to get Canon IP1000 cartridge for RM 4?

junior — Fri, 09 Feb 2007 10:40:51 +0800

Refer to this threas
http://forum.lowyat.net/index.php?showtopi...&#entry10322833

Is it still selling at Low Yat as this printer model is kinda old ... ?