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        <title>Lowyat.NET: Latest topics by wkyrichie</title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Sun, 14 Jun 2026 16:40:11 +0800</lastBuildDate>
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            <title>Government Loan</title>
            <link>http://forum.lowyat.net/topic/3689058</link>
            <description>Hi all property sifus... Anyone working with the government and taking government loan? How is your experience? Especially for purchasers of properties that are still in the process of building.. do they pay the developer on time?</description>
            <author>wkyrichie</author>
            <category>Property Talk</category>
            <pubDate>Sun, 23 Aug 2015 19:04:32 +0800</pubDate>
        </item>
        <item>
            <title>Board gamers</title>
            <link>http://forum.lowyat.net/topic/3594192</link>
            <description>Hi.. any board game lovers host gatherings for board games in homes?&lt;br /&gt;Don&amp;#39;t really like going to cafes</description>
            <author>wkyrichie</author>
            <category>Hobbies, Collectibles and Model Kits</category>
            <pubDate>Sun, 31 May 2015 13:26:09 +0800</pubDate>
        </item>
        <item>
            <title>Perth accomodation</title>
            <link>http://forum.lowyat.net/topic/3578689</link>
            <description>Hi all..&lt;br /&gt;&lt;br /&gt;Anyone has been to Perth and has a good place for accommodation to recommend? I&amp;#39;ll be going with both my parents in November&lt;br /&gt;&lt;br /&gt;I&amp;#39;ve checked out Airbnb and it doesn&amp;#39;t offer much choices nor is it as cheap as how people tend to say it</description>
            <author>wkyrichie</author>
            <category>Holiday Accommodation</category>
            <pubDate>Thu, 14 May 2015 19:45:17 +0800</pubDate>
        </item>
        <item>
            <title>Learning piano</title>
            <link>http://forum.lowyat.net/topic/3578656</link>
            <description>Dear all,&lt;br /&gt;&lt;br /&gt;I&amp;#39;ve just started learning piano through an adult piano class. So far my teacher is focusing in teaching me how to read from the sheets etc.&lt;br /&gt;&lt;br /&gt;I wonder how do we learn to play by ear? Or will it come naturally after we mastered playing according to the sheets?</description>
            <author>wkyrichie</author>
            <category>Musicians</category>
            <pubDate>Thu, 14 May 2015 19:11:21 +0800</pubDate>
        </item>
        <item>
            <title>MRTA confusion</title>
            <link>http://forum.lowyat.net/topic/3577962</link>
            <description>Dear all,&lt;br /&gt;&lt;br /&gt;I&amp;#39;m a first time home buyer, applying for my home loan. &lt;br /&gt;&lt;br /&gt;The banker told me that my interest rate is 4.50%, with 5 year MRTA, premium is 2000&lt;br /&gt;&lt;br /&gt;When I asked whether the interest can be reduced, he said can appeal 4.45%, but it has to come with 15 year MRTA, premium is 6000&lt;br /&gt;&lt;br /&gt;Which should I take?  &lt;!--emo&amp;:stars:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/rclxub.gif' border='0' style='vertical-align:middle' alt='rclxub.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>wkyrichie</author>
            <category>Property Talk</category>
            <pubDate>Thu, 14 May 2015 00:36:38 +0800</pubDate>
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