Lowyat.NET: Latest topics by lunchtime

Margin financing for KLSE stocks

lunchtime — Tue, 27 Feb 2018 20:49:18 +0800

Just touchdown in JB, now I plan to open a margin account, What bank or broker in Malaysia has the best Margin Financing package in terms of interest rates, rollover fees brokerage fees, etc etc ?

Uber kakis ask you

lunchtime — Tue, 25 Oct 2016 13:06:34 +0800

How to avoid cancell change to other car if uber assign you myvi kancil proton?

CATA hood and oven

lunchtime — Fri, 06 May 2016 20:55:00 +0800

Has anyone used this brand before? How is the quality and back up service?

Indoor Lighting fixtures aka lamps

lunchtime — Fri, 06 May 2016 20:27:16 +0800

Any shops to recommend for lighting fixture purchase? How is the quality and what price range? And did the SA advice you correctly on lighting?

Any photos to share on the lighting?

Washing Machine outlet

lunchtime — Thu, 25 Feb 2016 21:11:54 +0800

Folks, how do you attach the washing machine drainage outlet to your drain inlet in the most beautiful good looking way possible? I see some contractors use tape to wrap joint the outlet to the drain inlet and some just put the outlet into the drain. It looks very ugly.

Any better way for this ?

Wallpaper for whole house.

lunchtime — Wed, 24 Feb 2016 08:42:28 +0800

I am planning to install wallpaper for the whole house.

What should I look out for? Any recommendations as to where to buy and good quality installer?

Are there difference quality in wallpaper? I noticed like Korean Wallpaper Puchong is offering free wallpaper and others shops you have to buy.

Which Tyre for excellent wet grip and comfort?

lunchtime — Mon, 12 Jan 2015 10:36:09 +0800

Size 205 55 16.

For normal day to day drive.

Turanza GR100 vs Advan DB vs C Drive 2

lunchtime — Thu, 18 Dec 2014 00:30:05 +0800

Planning to change current CPC2 to these tyres. Compare, which is better for wet / dry grip and comfort? What price for 205/55/16 for these tyres?

UT / Insurance Agents and Clients

lunchtime — Sat, 07 Dec 2013 19:44:29 +0800

My partners and myself decide to buy PRS, we met this agent whom we don't know.

During intro, he say he the TOP agent, the TOP agency manager, and the TOP performer, all TOP TOP TOP and many years in industry. He gave his name card but we never gave him ours.

After he explain how PRS works and we okay with PRS, he take out the paperwork and ask us to sign the forms.

Here ,

1) He said we should take PRS Fund ABC because PRS Fund ABC mirrors Normal Fund XYZ, so Normal Fund XYZ is good, then PRS Fund ABC must be good as well.

2) On the PRS Fund he recommend, we know there was a recent change in the holdings of the underlying assets of the fund, we asked him how would this impact the fund and his answer was NO IMPACT.

3) When he ask us to sign the forms, he never explained what are the forms for or ask for personal particulars, not even ask for address or date of birth or phone number. He didn't ask us for any details or to confirm any particulars. We shall see how he sort this out.

4) One form was the FIMM form stating we understand the risk, he point to sign but never explain the form. One partner ask him what is this form for and his answer was "FIMM form". We know FIMM form but what is it.

5) He say he is full time with ABC company but during presentation, documents from XYZ company, DFG company was also on the table with ABC company documents.

Lucky for him and more for us, we know the forms, we understand financial products and he was sent by his HQ.

Macam macam ada

New property with guaranteed x% returns

lunchtime — Thu, 19 Sep 2013 14:35:08 +0800

Recently i came across some launches with guarantee returns (GRR). Example you buy unit A, then lease back to developer for them to use as service suites, service apartments and such, developer then pays you a x% return every years for y number of years.

What are the pros and cons of such arrangement?

Example,
Centrestage next to Jaya 33

Jazz Residence, Ara Damansara

http://www.iproperty.com.my/propertylistin...ominium-forsale
*New Launch* Project @ Ara Damansara
JAZZ RESIDENCE @ PACIFIC PLACE
From RM745,000 - RM799,000 933sf

=================================================================

Open for booking now! HURRY LIMITED UNIT !!!
From RM745,000 - RM799,000 933sf
Fully Furnished

Lease Back Program of 3+3 years with 6% return per annum

5% Rebate
Free Legal Fees (SPA & Loan Agreement)
Free Stamp Duty for MOT

. Next to Ara Damansara LRT Station(expected completion 2013)
. 5mins to KTM Komuter Subang Jaya
. 5km radius encapsulating Colleges & Universities with approximately 50,000 students
. Approximately more than 1,000 student occupants expected

Fully leased back program which has approximate 18 per cent projected returns at six per cent annually for three years. "You buy, we rent."

This is truly a hassle free investment as all you would need to do is issue the initial capital and we will do the rest, from rent collection to renovation etc. Based on the returns and assuming on loan of 90 per cent margin and at 4.2 per cent interest with 30 years tenure, you would see a monthly installment of approximately RM3,200 and a monthly rental collection of approximately RM3,600

Summary for this HASSLE FREE Project:

What Property I am Investing In?

a) Cash Generative - Rental Return in Generated from the Beginning Stage.
b) Education Background with SEGI- Recession Proof (Segi's Students)

Why I have to Invest In This Property?

c) High Rental Yield - 6% p.a.
d) High Appreciation Rate
e) Long Term Investment
f) Tax Free - No RPGT after 5 years
g) Low Risk Strategy - One Stop Management
h) Better Return compare to Fix Deposits

Where is the Location?
i) Strategic Location at Ara Damansara, beside the Kota Damansara.

j) Good Accessibility
i ) 5 Highways nearby - ELITE, NKVE, LDP, Federal & KESAS
ii ) LRT - Kelana Jaya Line
iii) Regional Airport - Subang Airport

Why I dislike Insurance Agents?

lunchtime — Thu, 22 Aug 2013 19:47:19 +0800

Letting off some steam.

Most of them are arse holes trying to act smart, baru encountered with 1 smart alec agent from Allianz Life trying to sell investment to me. Problem is, he knows nothing about investment yet act smart like he dem pandai in investment.

Some more dare to intro himself from Allianz Life investment department and say he handle investment portfolio but totally clueless about how the stock market, inflation, the economy works. He is nothing but a LIFE INSURANCE AGENT. Basic financial planning and risk profiling pun tak faham.

The insurance entry exam PCE and CEILI don't qualify you, insurance agents, to talk about investment, it is a 2 hours exams one Saturday morning or afternoon, what makes you, insurance agents, qualify to talk about investments?

On top of that, insurance companies don't have a pure investment product, so what investment are you talking about?

If you insurance agent are clueless about investment, don't act smart to talk about investment. All your talk kok theories and crap will kill a noob trying to do some real investment and you look like a fool to old timer investor.

Go do your work lar, SELL INSURANCE!!

Another about most insurance agents are they are always RIGHT, always always RIGHT, client MUST always always listen to them. Clients views are irrelevant. You know s h I t but want to force others to listen to you.

And everyone knows must buy insurance lar, we bought insurance many many moons ago lor, we are covered lar. Our coverage way way enough. No need to keep pestering us to buy insurance, but trying to sell us using investment in disguise.

Go meet your prospect with some thing you know, not something you are totally clueless about.

Up yours!!

205/65/15 which is better ?

lunchtime — Sun, 09 Jun 2013 09:36:29 +0800

Looking for wet & dry grip plus comfort and quiet,

Yoko C drive 2 or Goodyear Fuelmax Assurance or Conti CPC2? What prices to expect?

Are Korean cars are lousy cars?

lunchtime — Thu, 14 Feb 2013 00:02:45 +0800

I noticed a lot of korean car owners install Potent Booster, do they need this aftermarket gadget? Hardly hear Conti and Jap owners installing this gadget.

PS3 MW2 online server down?

lunchtime — Sat, 26 Jan 2013 00:58:50 +0800

since 2-3 days, MW2 can't find any games, always showing 0/0 people.

What is the problem?

why recon MPV price is higher than new MPV price i

lunchtime — Sun, 20 Jan 2013 11:23:08 +0800

why recon MPV price here is higher than new MPV price in Japan?

New Estima Price from Toyota Japan, 2,750,000 yen - 4,151,000 yen

2750000 Japanese Yen equals
92022.97 Malaysian Ringgit

4151000 Japanese Yen equals
138904.50 Malaysian Ringgit

Recon car subject to tax?

Would Pedal lock be dangerous

lunchtime — Tue, 01 Jan 2013 13:47:25 +0800

in the event of an accident?

I doubt car makers took into account for such devices when designing the safety of the car upon crash impact. In fact, some cars have knee airbags for protection. I also doubt makers of such pedal locks looked into the safety aspect as well.

Will you install a pedal lock?

POLTERA

lunchtime — Fri, 28 Dec 2012 11:05:08 +0800

I see cars with such logos / emblems are mostly tinted black, who are these people?

how clean is your car, interior and exterior?

lunchtime — Wed, 26 Dec 2012 10:33:36 +0800

Do you wash your car every week?
Do you clean the carpet every week?
Do you make sure there is no dirt on your carpet?

Saw 3 of my friends car, exterior clean but interior so dirty especially the carpets. Carpets has dirt, mud and sand.

Which are you?

Android users, you kena virus attack before?

lunchtime — Tue, 25 Dec 2012 17:43:47 +0800

share a bit what happened?

Lots of i-fools kept saying android always kena virus, anyone care to share?

Pug 408t v Mazda3 2.0 v Ford Focus 2.0 v Forte 2.0

lunchtime — Wed, 28 Nov 2012 14:53:01 +0800

Which will you buy and why?

Keep thread to these 4 cars or any cars within this range with minimum 6 airbags and price max 120-130k.