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        <title>Lowyat.NET: Latest topics by blackseed202</title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Sat, 06 Jun 2026 10:13:45 +0800</lastBuildDate>
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            <title>Yes postpaid tethering</title>
            <link>http://forum.lowyat.net/topic/4774662</link>
            <description>Hi guys.&lt;br /&gt;&lt;br /&gt;Anyone here using yes postpaid? &lt;br /&gt;&lt;br /&gt;Im using the rm49 monthly unlimited. Just wondering if anyone manage to tether Internet to laptop using this.&lt;br /&gt;I know some networking things and it&amp;#39;s a doable thing to bypass the limit. &lt;br /&gt;&lt;br /&gt;And if they found out what will happen? I&amp;#39;m not sure about the legality of this.. &lt;br /&gt;</description>
            <author>blackseed202</author>
            <category>Telco Talk</category>
            <pubDate>Sun, 05 May 2019 14:21:45 +0800</pubDate>
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            <title>How much does asb agent makes?</title>
            <link>http://forum.lowyat.net/topic/4644925</link>
            <description>Lets say they get a client applied for 200k. How much does the agent gets?&lt;br /&gt;&lt;br /&gt;Just because i saw a couple of friends starting to get into agent sales and stuff and wanted to ask them but havent got the opportunity to ask them. &lt;br /&gt;&lt;br /&gt;So anybody willing to share?</description>
            <author>blackseed202</author>
            <category>Finance, Business and Investment House</category>
            <pubDate>Sat, 25 Aug 2018 20:24:35 +0800</pubDate>
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            <title>Total expense ratio</title>
            <link>http://forum.lowyat.net/topic/4132336</link>
            <description>Hi guys. I dont really want to ask at the big topic because it can get lost and difficult to find at times.&lt;br /&gt;&lt;br /&gt;I would like to ask about total expense ratio for a fund. In particular fundsupermart.&lt;br /&gt;&lt;br /&gt;1. if the fund has a total expense ratio of 2%. Does that mean approximately a total of my RM1000 investment will be deducted by RM20? I hope i get this right.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;2. If that is right. Does it occur annually? So lets say if i buy and sell in approximately by 6months in between, how do you calculate it? Does it cost the same?&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;3. And if the fund has a sales charge of 2% does that mean a fund with expense ratio of 2% will cost me 4% in total annually(let say the first year of holding the fund) but will only be charged 2% the following years?&lt;br /&gt;&lt;br /&gt;4. And how about the annual management fee and trustee fee? do they included in the expense ratio of 2% or are they separate?&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Many thanks in advance&amp;#33;&amp;#33;&lt;br /&gt;&lt;br /&gt;&lt;!--emo&amp;:)--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/smile.gif' border='0' style='vertical-align:middle' alt='smile.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>blackseed202</author>
            <category>Finance, Business and Investment House</category>
            <pubDate>Thu, 01 Dec 2016 01:07:14 +0800</pubDate>
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            <title>What do you pack for lunch?</title>
            <link>http://forum.lowyat.net/topic/3961995</link>
            <description>Hi everyone&lt;br /&gt;&lt;br /&gt;just wanted to know what everyone packs for lunch. and how much time you need to prepare them.&lt;br /&gt;&lt;br /&gt;anyone pack sandwiches or nasi goreng etc?</description>
            <author>blackseed202</author>
            <category>The Museum Of Kopitiam</category>
            <pubDate>Tue, 31 May 2016 08:24:29 +0800</pubDate>
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            <title>Approximate capital for new business</title>
            <link>http://forum.lowyat.net/topic/3961989</link>
            <description>Hi everyone&lt;br /&gt;&lt;br /&gt;I would like to ask whether there are any business owners and entrepreneurs here who are willing to share their experience in opening new shops/industry.&lt;br /&gt;&lt;br /&gt;Like for example my uncle is a doctor and he opened a private clinic in Balakong for about 150-200k capital 3-4 years ago.&lt;br /&gt;&lt;br /&gt;and another thread i saw here said that opening a coin operated laundry is about 300k? depending on area?&lt;br /&gt;&lt;br /&gt;So if anyone knows somebody or has experience, please feel free to share them.&lt;br /&gt;&lt;br /&gt;I will try to update the first post once we have enough responds.&lt;br /&gt;&lt;br /&gt;So i will start. I will give credit where it is due. thanks&amp;#33; &lt;!--emo&amp;:)--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/smile.gif' border='0' style='vertical-align:middle' alt='smile.gif' /&gt;&lt;!--endemo--&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Private GP clinic : 150-200k&lt;br /&gt;&lt;br /&gt;Coin Operated Laundry : 300k&lt;br /&gt;&lt;br /&gt;Mamak Restaurant :&lt;br /&gt;&lt;br /&gt;Burger Stall :&lt;br /&gt;&lt;br /&gt;Pest control Company :&lt;br /&gt;&lt;br /&gt;Kedai Runcit :&lt;br /&gt;&lt;br /&gt;Pet shop :&lt;br /&gt;&lt;br /&gt;Stationary shop :&lt;br /&gt;&lt;br /&gt;Supermarket :&lt;br /&gt;&lt;br /&gt;Pharmacy :&lt;br /&gt;&lt;br /&gt;Kedai gunting rambut :&lt;br /&gt;&lt;br /&gt;Saloon :&lt;br /&gt;&lt;br /&gt;these are just some example. but feel free to contribute&amp;#33;&amp;#33;</description>
            <author>blackseed202</author>
            <category>Finance, Business and Investment House</category>
            <pubDate>Tue, 31 May 2016 08:08:47 +0800</pubDate>
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        <item>
            <title>Customization for windows 10?</title>
            <link>http://forum.lowyat.net/topic/3937853</link>
            <description>Hi all&lt;br /&gt;&lt;br /&gt;Im new here&lt;br /&gt;&lt;br /&gt;im just wondering if there is any customization tools for windows 10?&lt;br /&gt;&lt;br /&gt;is it just wallpapers?&lt;br /&gt;&lt;br /&gt;i only see windows 7 stuffs here.&lt;br /&gt;&lt;br /&gt;sorry if this is a repeat topic.&lt;br /&gt;&lt;br /&gt;cheers&amp;#33;</description>
            <author>blackseed202</author>
            <category>Desktop Customization</category>
            <pubDate>Wed, 04 May 2016 00:33:32 +0800</pubDate>
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