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        <title>Lowyat.NET: Latest topics by paulyok</title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Sun, 14 Jun 2026 09:28:32 +0800</lastBuildDate>
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        <item>
            <title>home loan</title>
            <link>http://forum.lowyat.net/topic/1820939</link>
            <description>hi guys, I have a serious question here. I buy my house 10 years ago with a mortgage loan of 150k. due to a lot of late payment and interest charge, after 10 years I still own the bank 179 k now. During the 10 years I already pay like 100k of interest. I am planning to sell my house now. Question is is there anyway I can ask the bank to lower the balance I own them? Or any sifu  here can teach me what to do? Thanks.</description>
            <author>paulyok</author>
            <category>Finance, Business and Investment House</category>
            <pubDate>Mon, 04 Apr 2011 13:56:52 +0800</pubDate>
        </item>
        <item>
            <title>nokia e71 problem</title>
            <link>http://forum.lowyat.net/topic/1778766</link>
            <description>hi guys, there is a problem with my nokia n71. the phone swith on button i think broken. i cant swith on my phone now. is there another way to turn on the phone? Thanks &lt;!--emo&amp;:help:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/icon_question.gif' border='0' style='vertical-align:middle' alt='icon_question.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>paulyok</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Sat, 05 Mar 2011 00:50:05 +0800</pubDate>
        </item>
        <item>
            <title>nokia n71 problem</title>
            <link>http://forum.lowyat.net/topic/1778752</link>
            <description>hi guys, there is a problem with my nokia n71. the phone swith on button i think broken. i cant swith on my phone now. is there another way to turn on the phone? Thanks. &lt;!--emo&amp;:help:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/icon_question.gif' border='0' style='vertical-align:middle' alt='icon_question.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>paulyok</author>
            <category>Mobile Phones and Tablets</category>
            <pubDate>Sat, 05 Mar 2011 00:38:24 +0800</pubDate>
        </item>
        <item>
            <title>OMG my apartment owner own loan shark &amp;#036;&amp;#036;&amp;#036;</title>
            <link>http://forum.lowyat.net/topic/1775742</link>
            <description>hi guys, need advise here. i just , move in to my new apartment yesterday. today after work when i reach home, some one from the loan company already waiting in front of my apartment. they say the apartment owner own them &amp;#036;&amp;#036; and if he dont pay up, they will take action.. so what i should do now? i rent it tru a property agent. pls help &lt;!--emo&amp;:help:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/icon_question.gif' border='0' style='vertical-align:middle' alt='icon_question.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>paulyok</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Wed, 02 Mar 2011 23:34:08 +0800</pubDate>
        </item>
        <item>
            <title>MANA pos express aku pergi?</title>
            <link>http://forum.lowyat.net/topic/1704851</link>
            <description>dear sifu sifu-i sent my pos express on 29 dec untill now my pos express still haven reach kl. tracking number is LD11804807MY. pls help me  &lt;!--emo&amp;:help:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/icon_question.gif' border='0' style='vertical-align:middle' alt='icon_question.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:help:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/icon_question.gif' border='0' style='vertical-align:middle' alt='icon_question.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>paulyok</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Wed, 05 Jan 2011 17:23:48 +0800</pubDate>
        </item>
        <item>
            <title>Anyone interested in buying batang kelapa sawit?</title>
            <link>http://forum.lowyat.net/topic/1695250</link>
            <description>Hi guys, anyone interested in buying batang kelapa sawit? need to clear out nearly 30,000 batang in 4 months. anyone iterested of buying or know where i can sell it? T &lt;!--emo&amp;:help:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/icon_question.gif' border='0' style='vertical-align:middle' alt='icon_question.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:help:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/icon_question.gif' border='0' style='vertical-align:middle' alt='icon_question.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>paulyok</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Wed, 29 Dec 2010 00:49:03 +0800</pubDate>
        </item>
        <item>
            <title>Wine courses</title>
            <link>http://forum.lowyat.net/topic/1689346</link>
            <description>as above. i really interested to know more about wine. maybe some cert course?</description>
            <author>paulyok</author>
            <category>Education Essentials</category>
            <pubDate>Fri, 24 Dec 2010 00:23:04 +0800</pubDate>
        </item>
        <item>
            <title>Hi guys this is my virgin post..</title>
            <link>http://forum.lowyat.net/topic/1644327</link>
            <description>omg time machine really works.. hi 2010.. &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;!--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;!--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;</description>
            <author>paulyok</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Fri, 19 Nov 2010 01:18:11 +0800</pubDate>
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