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        <title>Lowyat.NET: Latest topics by Xenopher</title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Sun, 14 Jun 2026 17:03:58 +0800</lastBuildDate>
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            <title>Router Recommendation for 3-Storey House</title>
            <link>http://forum.lowyat.net/topic/4629474</link>
            <description>I&amp;#39;m looking for a router to replace my Unifi router in my house. The default Unifi router is very unstable and unable to cover the whole house.&lt;br /&gt;&lt;br /&gt;My house is around 5k square feet, 3 stories, I will be installing the router at the middle floor.&lt;br /&gt;&lt;br /&gt;Unifi is 50mbps.&lt;br /&gt;&lt;br /&gt;We normally use internet for normal browsing, streaming and some gaming.&lt;br /&gt;&lt;br /&gt;I&amp;#39;m eyeing on Asus Rt-ac86u but I&amp;#39;ve read some comments online saying the network range is not too good.&lt;br /&gt;&lt;br /&gt;Any good recommendation?</description>
            <author>Xenopher</author>
            <category>Networks and Broadband</category>
            <pubDate>Wed, 01 Aug 2018 15:48:26 +0800</pubDate>
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        <item>
            <title>Need Advice on My Financial Status</title>
            <link>http://forum.lowyat.net/topic/3050062</link>
            <description>Hi all sifu, I&amp;#39;m 26 years old and below is my current financial status:&lt;br /&gt;&lt;br /&gt;Negative Cash Flow:&lt;br /&gt;1. Food - Around RM 400&lt;br /&gt;2. Petrol - RM 180&lt;br /&gt;3. Sports - RM 50&lt;br /&gt;4. Telco - RM 200 (Includes my mobile data plan and a family use modem)&lt;br /&gt;5. Gf - RM 300 (All dating expenses, gifts etc. And I must say I found a really good girl who is not materialistic.)&lt;br /&gt;6. Parents - RM 1000 (I lives with my parents and I&amp;#39;m the eldest who have siblings still studying. I think this is a must.)&lt;br /&gt;7. Other expenses - RM 500-700 (trip, birthday present, donation, car fixing etc)&lt;br /&gt;&lt;br /&gt;Total = RM 2630-2830&lt;br /&gt;&lt;br /&gt;Positive Cash Flow:&lt;br /&gt;1. Salary - RM 4000 (This is what I take home after tax reduction and EPF. Sometimes get few hundreds more when have more claims/allowance.)&lt;br /&gt;2. Share dividends - ? (This varies every year and is very hard to determine. Depends on company performance. I&amp;#39;m getting RM 3.6k this year.)&lt;br /&gt;&lt;br /&gt;Total = RM 4300 +-&lt;br /&gt;&lt;br /&gt;Estimated average net cash flow = 4300 - 2730 = +RM 1570 per month&lt;br /&gt;&lt;br /&gt;Assets:&lt;br /&gt;1. Cash in hand - RM 7000&lt;br /&gt;2. Shares - RM 52,000 (market value, not my modal)&lt;br /&gt;3. FD - RM 11,000&lt;br /&gt;&lt;br /&gt;I do not own any property. I do not own a car, currently driving a 11 years old local car from by parents. I do not buy any insurance, saving plans, endowment nor any kind of assurance.&lt;br /&gt;&lt;br /&gt;Is my financial healthy? Am I putting too many eggs into one basket (share market)? If I want to increase my cash flow other than from shares and active income, what is a good way to do? (currently what&amp;#39;s in my mind: get a mortgage loan and rent property, or get a small business loan and start up easy to manage business like coin laundry or cash wash) If I were to buy a better car (80k car), how much will it impact my wealth growth? Does it worth? Should I start to get insurance? I just have too many questions in my mind now  &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;br /&gt;&lt;br /&gt;Sorry for the wall of text and string of questions... Thanks in advance for all sifu advice.  &lt;!--emo&amp;:respect:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/notworthy.gif' border='0' style='vertical-align:middle' alt='notworthy.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>Xenopher</author>
            <category>Finance, Business and Investment House</category>
            <pubDate>Sun, 01 Dec 2013 12:10:56 +0800</pubDate>
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