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        <title>Lowyat.NET: Latest topics by ckf80</title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Mon, 13 Jul 2026 05:15:08 +0800</lastBuildDate>
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        <item>
            <title>Refurbish Bilstein B8 with H&amp;amp;R spring</title>
            <link>http://forum.lowyat.net/topic/5498649</link>
            <description>Hi, i would like to ask currently my car is using Bilstein B8 + H&amp;amp;R lower spring.  This absorber had been using for more than 4 years already and recently i felt my car handling not stable.  &lt;br /&gt;&lt;br /&gt;For this absorber is id advisable to do refurbish/repair  ?  &lt;br /&gt;&lt;br /&gt;My car is golf gti mk7.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Thanks&lt;br /&gt;</description>
            <author>ckf80</author>
            <category>The Fast &amp;amp; The Furious</category>
            <pubDate>Sun, 08 Dec 2024 23:40:56 +0800</pubDate>
        </item>
        <item>
            <title>Invest in S&amp;amp;P 500 Index ETF in Malaysia</title>
            <link>http://forum.lowyat.net/topic/5227172</link>
            <description>Hi,&lt;br /&gt;&lt;br /&gt;  I would like to ask how can i invest in US S&amp;amp;P 500 ETF in Malaysia via authorize Malaysia broker.  The ETF i want to invest such as  &amp;quot;Vanguard S&amp;amp;P 500 ETF&amp;quot;.  &lt;br /&gt;&lt;br /&gt;  Previously i had been advised to invest via the platform &amp;quot;Interactive Brokers&amp;quot;.  I am afraid if anything happen i might lost all the capital since it not govern under Malaysia SC.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Thanks</description>
            <author>ckf80</author>
            <category>Finance, Business and Investment House</category>
            <pubDate>Fri, 24 Dec 2021 11:34:13 +0800</pubDate>
        </item>
        <item>
            <title>Apply mortage loan with cash on hand</title>
            <link>http://forum.lowyat.net/topic/5176532</link>
            <description>Hi,&lt;br /&gt;&lt;br /&gt;  I would like to ask if have RM 1 million cash on hand and property as below :-&lt;br /&gt;&lt;br /&gt;- Property 1 - installment 1800 (rental income RM 1700)&lt;br /&gt;- Property 2 - installment 1700 (rental income RM 1250)&lt;br /&gt;- Property 3 - installment 1200 (rental income RM 1900)&lt;br /&gt;- Property 4 - Fully paid (own stay)&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Am i still able to get the mortgage loan ? i target want get another RM 800 k mortgage loan.&lt;br /&gt;&lt;br /&gt;My monthly net income around RM 8 k  per month.  &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Thanks.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;</description>
            <author>ckf80</author>
            <category>Property Talk</category>
            <pubDate>Sat, 31 Jul 2021 00:27:23 +0800</pubDate>
        </item>
        <item>
            <title>Warrant got indicative price ?</title>
            <link>http://forum.lowyat.net/topic/5128822</link>
            <description>Hi,&lt;br /&gt;&lt;br /&gt;I would like to ask some share in the KLSE will issue free warrant based on the ratio of mother share you hold on hand.&lt;br /&gt;&lt;br /&gt;For the free warrant issue it got indicative price for that ?&lt;br /&gt;&lt;br /&gt;If it got the indicative price how the warrant price calculate ?&lt;br /&gt;&lt;br /&gt;Thanks</description>
            <author>ckf80</author>
            <category>Stock Exchange</category>
            <pubDate>Wed, 07 Apr 2021 15:11:20 +0800</pubDate>
        </item>
        <item>
            <title>Trust Fund can use for apply loan</title>
            <link>http://forum.lowyat.net/topic/5114286</link>
            <description>Hi,&lt;br /&gt;&lt;br /&gt;  I would like to ask is those &amp;quot;Trust Fund&amp;quot; set up by lawyer can this method use as your income and for apply loan such as  hire purchase or property loan ?   If yes is it got any term and condition such as minimum amount of the &amp;quot;Trust fund&amp;quot; allocate and estimate how much the cost require for set up &amp;quot;Trust Fund&amp;quot; &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Thanks&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;</description>
            <author>ckf80</author>
            <category>Finance, Business and Investment House</category>
            <pubDate>Tue, 09 Mar 2021 12:50:09 +0800</pubDate>
        </item>
        <item>
            <title>What is &amp;quot;Nature of Interest&amp;quot; in share ?</title>
            <link>http://forum.lowyat.net/topic/5089388</link>
            <description>Hi,&lt;br /&gt;&lt;br /&gt; I would like to ask when i see the changes of share quantity of internal share holder it got mention &amp;quot;Nature of Interest &amp;quot; and it show remark &amp;quot;Direct Interest&amp;quot;.  &lt;br /&gt;&lt;br /&gt;May i know what means by that ?&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Thanks.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;</description>
            <author>ckf80</author>
            <category>Stock Exchange</category>
            <pubDate>Mon, 18 Jan 2021 00:32:16 +0800</pubDate>
        </item>
        <item>
            <title>Free mobile format template</title>
            <link>http://forum.lowyat.net/topic/5063578</link>
            <description>Hi,&lt;br /&gt;&lt;br /&gt;  I am looking for website template which design for mobile version.  Is it any suggestion to find those template ?  It is best if can get those template with free  &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;br /&gt;&lt;br /&gt;&lt;br /&gt;Thanks</description>
            <author>ckf80</author>
            <category>Codemasters</category>
            <pubDate>Thu, 26 Nov 2020 00:07:32 +0800</pubDate>
        </item>
        <item>
            <title>Register china email</title>
            <link>http://forum.lowyat.net/topic/5052382</link>
            <description>Hi,&lt;br /&gt;&lt;br /&gt;  Did any one know how to register China email without require the China phone number.  As i try to register china email it require to fill in the china mobile phone number.  &lt;br /&gt;&lt;br /&gt;  For example i try register from &amp;quot;https://mail.163.com/&amp;quot; it require me to fill in the phone number.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Thanks&lt;br /&gt;</description>
            <author>ckf80</author>
            <category>Codemasters</category>
            <pubDate>Wed, 04 Nov 2020 15:01:28 +0800</pubDate>
        </item>
        <item>
            <title>Create free web based apps for android and ios</title>
            <link>http://forum.lowyat.net/topic/5052379</link>
            <description>Hi,&lt;br /&gt;&lt;br /&gt;  I would like to ask is it any tools can allow to make free web based apps which can install in the android and ios phone ?&lt;br /&gt;&lt;br /&gt;The apps create can perform installation into the phone and look like apps install from &amp;quot;apple store&amp;quot; or &amp;quot;play store&amp;quot;.&lt;br /&gt;&lt;br /&gt;But the content in the apps is load from web page which develop using php.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Please advise.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Thanks&lt;br /&gt;&lt;br /&gt;</description>
            <author>ckf80</author>
            <category>Codemasters</category>
            <pubDate>Wed, 04 Nov 2020 14:57:46 +0800</pubDate>
        </item>
        <item>
            <title>Buy foreign stock</title>
            <link>http://forum.lowyat.net/topic/5050882</link>
            <description>Hi,&lt;br /&gt;&lt;br /&gt;  Currently i have CDS account from local bank and i am interested to buy foreign share such as from HK or China.  May i know my current CDS account can buy that ? or i have to get another new account just for buy foreign share only ?&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Thanks</description>
            <author>ckf80</author>
            <category>Finance, Business and Investment House</category>
            <pubDate>Sun, 01 Nov 2020 11:37:32 +0800</pubDate>
        </item>
        <item>
            <title>Tablet / capsule dispenser</title>
            <link>http://forum.lowyat.net/topic/5046862</link>
            <description>Hi,&lt;br /&gt;&lt;br /&gt;  I would like to ask does any one know where can found this item ? this is manual click  capsule and tablet dispenser.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Here the video of the item for reference.  I sourcing for the supplier of this product for bulk order&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='https://www.youtube.com/watch?v=6aiFpLyCXlk&amp;feature=youtu.be&amp;ab_channel=IndustriasPl%C3%A1sticasTriana' target='_blank'&gt;https://www.youtube.com/watch?v=6aiFpLyCXlk...%A1sticasTriana&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Thanks&lt;br /&gt;&lt;br /&gt;</description>
            <author>ckf80</author>
            <category>Health &amp;amp; Fitness</category>
            <pubDate>Sat, 24 Oct 2020 16:08:59 +0800</pubDate>
        </item>
        <item>
            <title>Refinance of property will save the interest</title>
            <link>http://forum.lowyat.net/topic/5046334</link>
            <description>Hi,&lt;br /&gt;&lt;br /&gt;  Currently i had property purchase 8 years ago, it under flexi loan and loan period until i am 70 years old.  I am 40 years old now and my loan still got 30 years to go on.  If i do the refinance of my property that will save the interest for my property based on current covid market condition.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Thanks&lt;br /&gt;&lt;br /&gt;</description>
            <author>ckf80</author>
            <category>Property Talk</category>
            <pubDate>Fri, 23 Oct 2020 15:05:52 +0800</pubDate>
        </item>
        <item>
            <title>MOT auto debit into housing loan</title>
            <link>http://forum.lowyat.net/topic/5046333</link>
            <description>Hi,&lt;br /&gt;&lt;br /&gt;  I had receive a MOT for my property which is purchase 8 years ago.  From the letter i received it did mention developer lawyer can direct transfer the MOT and legal fees into my existing housing loan without my approval if i did not make the payment before the expiry date.  My question is this condition is normal practice for MOT payment ?  &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Thanks</description>
            <author>ckf80</author>
            <category>Property Talk</category>
            <pubDate>Fri, 23 Oct 2020 15:04:32 +0800</pubDate>
        </item>
        <item>
            <title>Check for company share haven&amp;#39;t sell to investor</title>
            <link>http://forum.lowyat.net/topic/5045781</link>
            <description>Hi,&lt;br /&gt;&lt;br /&gt;  I would like to ask how do i check the company total quantity of share which haven&amp;#39;t hold by investment ? &lt;br /&gt;&lt;br /&gt;as my purpose for this is to know the quantity of share hold by investor and share hold by company.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Thanks&lt;br /&gt;</description>
            <author>ckf80</author>
            <category>Finance, Business and Investment House</category>
            <pubDate>Thu, 22 Oct 2020 15:30:31 +0800</pubDate>
        </item>
        <item>
            <title>Apply loan from stock profit</title>
            <link>http://forum.lowyat.net/topic/5026114</link>
            <description>Hi,&lt;br /&gt;&lt;br /&gt;  I would like to ask if i had earn profit from KLSE for example Investment amount RM 500,000 and had earn RM 1,000,000 net profit means Capital + Profit total RM 1,500,000.    My question is for the RM 1,000,000 profit earn this profit details can use for apply housing loan for RM 800,000 property price with 90% loan.  The share profit is still on hold and haven&amp;#39;t sell yet.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Thanks&lt;br /&gt;&lt;br /&gt;</description>
            <author>ckf80</author>
            <category>Finance, Business and Investment House</category>
            <pubDate>Mon, 14 Sep 2020 11:21:41 +0800</pubDate>
        </item>
        <item>
            <title>Citigroup Nominees (Tempatan) Sdn. Bhd</title>
            <link>http://forum.lowyat.net/topic/5025994</link>
            <description>Hi , &lt;br /&gt;&lt;br /&gt;I would like to ask is &amp;quot;Citigroup Nominees (Tempatan) Sdn. Bhd&amp;quot; indicate Employee Provident Fund (EPF) ?  &lt;br /&gt;&lt;br /&gt;as i saw the announcement from share news as below.  So i am wonder who is &amp;quot;Citigroup Nominees (Tempatan) Sdn. Bhd.&amp;quot;&lt;br /&gt;&lt;br /&gt;	&lt;br /&gt;Acquisition of 476,700 shares by Citigroup Nominees (Tempatan) Sdn. Bhd.-&lt;br /&gt;Employees Provident Fund Board (CIMB PRI)Acquisition of 50,000 shares by&lt;br /&gt;Citigroup Nominees (Tempatan) Sdn. Bhd.- Employees Provident Fund Board (CPIAM&lt;br /&gt;EQ) IC.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Thanks&lt;br /&gt;&lt;br /&gt;</description>
            <author>ckf80</author>
            <category>Finance, Business and Investment House</category>
            <pubDate>Sun, 13 Sep 2020 23:58:01 +0800</pubDate>
        </item>
        <item>
            <title>KOI Prima / Platinum victory</title>
            <link>http://forum.lowyat.net/topic/2110762</link>
            <description>Hi... i am newbie in the property and i did plan for some property investment ... i wanna ask the sifu opinion i have two option to choose in my mind&lt;br /&gt;&lt;br /&gt;1. Koi Prima - Phase 1 Puchong&lt;br /&gt;2. Platinum victory - Setapak&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;any opinion on that two place?? for your information i budget for the property around 400 k.&lt;br /&gt;&lt;br /&gt;Thanks...</description>
            <author>ckf80</author>
            <category>Property Talk</category>
            <pubDate>Wed, 16 Nov 2011 02:06:18 +0800</pubDate>
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