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        <title>Lowyat.NET: Latest topics by HW89</title>
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        <lastBuildDate>Tue, 23 Jun 2026 20:25:42 +0800</lastBuildDate>
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            <title>BASF Service Centre</title>
            <link>http://forum.lowyat.net/topic/2989968</link>
            <description>Hi all, any comments about the working environment, career development and pay in BASF Service Centre? The position applied is payroll specialist. Thanks.</description>
            <author>HW89</author>
            <category>Jobs &amp;amp; Careers</category>
            <pubDate>Thu, 10 Oct 2013 14:22:05 +0800</pubDate>
        </item>
        <item>
            <title>Will buying a car affect mortgage loan ability?</title>
            <link>http://forum.lowyat.net/topic/2844897</link>
            <description>Hi all, as per topic, I would like to know if I am to get a new car, assuming a total of 15% of my monthly gross income, will this affect my mortgage loan application in the future? Thanks.</description>
            <author>HW89</author>
            <category>Finance, Business and Investment House</category>
            <pubDate>Tue, 11 Jun 2013 11:29:54 +0800</pubDate>
        </item>
        <item>
            <title>Proton Preve 1.6 CVT Executive (A) best price?</title>
            <link>http://forum.lowyat.net/topic/2831207</link>
            <description>Hi all, I&amp;#39;m looking to buy a Preve model as titled. Is there anyone or car agents that can quote me the best price they can offer? Thanks</description>
            <author>HW89</author>
            <category>The Fast &amp;amp; The Furious</category>
            <pubDate>Thu, 30 May 2013 22:24:15 +0800</pubDate>
        </item>
        <item>
            <title>Allianz insurance Alterations clause?</title>
            <link>http://forum.lowyat.net/topic/2826622</link>
            <description>Hi all, I&amp;#39;m looking to subscribe Allianz insurance coverage. &lt;br /&gt;&lt;br /&gt;However, I found out that there is an alteration clause (see attachment) in the insurance contract that allows Allianz to change the contract terms anytime by giving a 3 months notice.&lt;br /&gt;&lt;br /&gt;Any insurance agents can clarify this? Is this also applicable to other companies eg Great Eastern, Prudential, AIA..? Thanks.&lt;br /&gt;</description>
            <author>HW89</author>
            <category>Finance, Business and Investment House</category>
            <pubDate>Mon, 27 May 2013 13:54:48 +0800</pubDate>
        </item>
        <item>
            <title>RM65k max new car</title>
            <link>http://forum.lowyat.net/topic/2825894</link>
            <description>Hi all, any recommendations on new auto cars around budget rm60k? Im thinking of vios, any suitable alternatives?</description>
            <author>HW89</author>
            <category>The Fast &amp;amp; The Furious</category>
            <pubDate>Sun, 26 May 2013 21:17:28 +0800</pubDate>
        </item>
        <item>
            <title>Samsung s3 larger memory card</title>
            <link>http://forum.lowyat.net/topic/2817213</link>
            <description>Hi all, can the s3 insert with a larger memory card 64gb if the s3 model I bought is 16gb?</description>
            <author>HW89</author>
            <category>Mobile Phones and Tablets</category>
            <pubDate>Sun, 19 May 2013 01:49:59 +0800</pubDate>
        </item>
        <item>
            <title>SCA Hygiene Graduate Trainee Program</title>
            <link>http://forum.lowyat.net/topic/2813278</link>
            <description>Hi all,&lt;br /&gt;&lt;br /&gt;Did anyone went interview for the above post? How was the interview process? How much is their starting pay offered?&lt;br /&gt;&lt;br /&gt;Thanks.</description>
            <author>HW89</author>
            <category>Jobs &amp;amp; Careers</category>
            <pubDate>Wed, 15 May 2013 17:35:11 +0800</pubDate>
        </item>
        <item>
            <title>Looking for insurance coverage</title>
            <link>http://forum.lowyat.net/topic/2810373</link>
            <description>Hi all, Im  a young single graduate looking for an insurance plan with investment linked. Any good recommendations? Thanks</description>
            <author>HW89</author>
            <category>Finance, Business and Investment House</category>
            <pubDate>Mon, 13 May 2013 15:37:57 +0800</pubDate>
        </item>
        <item>
            <title>Tax rate for toto 4d winnings</title>
            <link>http://forum.lowyat.net/topic/2774446</link>
            <description>Anyone knows the tax rate for sport toto winnings over 100k?</description>
            <author>HW89</author>
            <category>Finance, Business and Investment House</category>
            <pubDate>Mon, 15 Apr 2013 07:52:07 +0800</pubDate>
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