Lowyat.NET: Latest topics by Assclown

Refinancing Housing Loan

Assclown — Tue, 29 Nov 2022 15:22:00 +0800

Hi guys,

I have a housing loan with OCBC which has a 4.95% mortgage lending rate. Somehow the rate stayed the same from its last updated date which was in July 2014. The balance is about 129k, monthly 930, with 17 years to go.

I was thinking if I should refinance and get a better rate of say 3.8%. But the risk would be that the new loan will end up having same or higher interest rate in the future. Of course, would have to take into account the legal fees, stamp duty, etc.

[WTS] Oris Aquis Date 43mm

Assclown — Sun, 02 Oct 2022 22:28:01 +0800

Item(s): Oris Aquis Date 43mm

Package includes:
- the watch itself
- manual booklet
- full boxset

Price: RM4300

Dealing method: COD

Location of seller: Subang Jaya

Contact method/details: PM

Item(s) conditions: 9.5/10, overall fantastic condition. Worn less than 10 times only.
Like new condition. Always kept carefully in watch box. View to believe.

- Sunburst Blue Dial
- Black ceramic bezel with 60 minutes scale
- Sapphire Crystal
- Stainless steel bracelet with deployant clasp
- Water Resistant up to 300m / 1000ft

[WTS] Oris Aquis Date 43mm

Assclown — Sat, 24 Sep 2022 22:02:46 +0800

[WTS] Orient Sun and Moon v2

Assclown — Sat, 23 Mar 2019 12:29:41 +0800

Item(s): Orient Sun and Moon v2

Package includes:
- the watch itself
- manual booklet
- full boxset

Price: SOLD

Dealing method: COD

Location of seller: Subang Jaya

Contact method/details: PM

Item(s) conditions: 9.5/10, overall fantastic condition. Worn less than 5 times only.

FULL SPECS
Movement: ORIENT Cal. 46B40 Automatic Movement
Power Reserve: Approximately 40 hours
Crystal: Sapphire
Clasp: Deployment Clasp
Water Resistance: 50m
Case Material: Stainless Steel
Case Diameter: 42.5mm without crown
Case Thickness: 14.1mm
Dial Color: Blue
Bezel Material: Stainless Steel
Calendar: Day/Date
Band Material: Leather (Blue)
Lug Width: 22mm

[WTS] Orient Sun and Moon v2

Assclown — Sun, 17 Mar 2019 00:14:15 +0800

SOLD

Assclown — Mon, 11 Mar 2019 23:16:55 +0800

SOLD

[WTS] Oneplus 6T - 128/8GB

Assclown — Sat, 09 Mar 2019 22:39:08 +0800

Item(s): OnePlus 6T - 8GB + 128GB (A6010) - Color: Midnight Black

Package includes:
- Phone
- Charger (New condition - unused from day 1, used charger from previous Oneplus phone)
- USB Cable (New condition - unused from day 1)
- Free 1 Spigen Liquid Air case

Price: SOLD

Warranty: 3 days personal warranty from me, 9 months from local supplier 7mobile

Dealing method: COD

Location: Subang Jaya

Contact method/details: PM
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Item(s) conditions: LIKE NEW condition on the whole. Factory applied screen protector was on from day one. Charger and cable totally unused and new condition. You can judge from the pictures and inspect upon COD

Picture:

[attachmentid=10199929] [attachmentid=10199930]

[attachmentid=10199932] [attachmentid=10199933]

Reason for sale: Upgraded

[WTS] Samsung Galaxy Tab A 8.0 (2017)

Assclown — Sat, 02 Mar 2019 19:41:02 +0800

Item(s): Samsung Galaxy Tab A 8.0 (2017)

Package includes: Full Package

Price: SOLD

Warranty: 1 Year Warranty by Samsung Malaysia

Dealing method: COD

Location: Shah Alam, Subang

Contact method/details: PM
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Item(s) conditions: Brand New

Picture:

Reason for sale: Not planning to use.

[WTS] Samsung Galaxy Tab A 8.0 (2017)

Assclown — Fri, 01 Mar 2019 17:34:27 +0800

[WTS] Oneplus 5 - 64/6GB

Assclown — Fri, 30 Nov 2018 18:40:09 +0800

Item(s): OnePlus 5 - 6GB + 64GB (A5000) - Color: Slate Grey

Package includes:
- Phone
- Charger (New condition - unused from day 1, used charger from previous Oneplus phone)
- USB Cable (New condition - unused from day 1)
- Free 1 Spigen Rugged Armour case

Price: SOLD

Warranty: 3 days personal warranty from me

Dealing method: COD

Location: Subang Jaya

Contact method/details: PM
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Item(s) conditions: Great condition on the whole. Factory applied screen protector was on from day one. Charger and cable totally unused and new condition. You can judge from the pictures and inspect upon COD

Picture:

[attachmentid=10125856] [attachmentid=10125857]

[attachmentid=10125858] [attachmentid=10125859]

[attachmentid=10125860]

Reason for sale: Upgraded

- CLOSED -

Assclown — Mon, 30 Jul 2018 22:30:16 +0800

- CLOSED -

[WTS] Braun Buffel Belt

Assclown — Mon, 09 Apr 2018 22:35:59 +0800

Item(s): Braun Buffel Belt

Package includes: Belt and box

Price: SOLD (bought for RM569 retail price)

Warranty: Lifetime free polish at any Braun Buffel outlet

Dealing method: COD or Postage

Location: Subang Jaya

Contact method/details: PM
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Item(s) conditions: Brand New

Picture:

[attachmentid=9718752] [attachmentid=9718754]

[attachmentid=9718755] [attachmentid=9718756]

[attachmentid=9718757] [attachmentid=9718759]

Reason for sale: Bought the wrong size for someone but unfortunately can't change as already got the BB outlet to punch an extra hole.

[WTS] Oakley Sunglasses

Assclown — Mon, 09 Apr 2018 14:48:20 +0800

Item(s): Oakley Valve Carbon Fiber (Chrome Iridium Lens)

For further reference: https://www.igero.com/sunglasses-c108/valve-p197
https://www.youtube.com/watch?v=IaZgKkV__6o

Package includes: Sunglasses and the box it came with

Price: RM280

Dealing method: COD

Location: Subang Jaya

Contact method/details: PM
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Item(s) conditions: In great condition, seldom worn as I have several other Oakleys and Raybans

Picture:

[attachmentid=9717414] [attachmentid=9717415]

[attachmentid=9717416] [attachmentid=9717417]

Reason for sale: Seldom worn

[WTS] Arsenal FC Authentic ACTV Home Kit 2015/16

Assclown — Mon, 09 Apr 2018 14:36:27 +0800

Item(s): Arsenal FC Authentic ACTV Home Kit 2015/16 (Size: L)

Features include:
- 89% Polyester, 11% elastane jersey
- PUMA ACTV Technology: Interior tape is anatomically and strategically placed to micro-massage the skin in the most critical areas to help provide a faster, more effective energy supply to active muscles
- dryCELL designation for moisture-wicking properties that help keep you dry and comfortable
- Button placket
- Contrast color sleeves and side panels
- Sponsor branding at center front
- Arsenal club badge at left chest; PUMA Cat Logo at right chest and both shoulders

More explanation on ACTV technology: https://www.soccer.com/guide/a-closer-look-...rsey-technology

Package includes: Jersey only

Price: RM200

Dealing method: COD

Location: Subang Jaya

Contact method/details: PM
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Item(s) conditions: Brand New, Unworn

Picture:

[attachmentid=9717318] [attachmentid=9717319]

[attachmentid=9717320] [attachmentid=9717321]

[attachmentid=9717322] [attachmentid=9717323]

[WTS] Braun Buffel Belt

Assclown — Tue, 13 Mar 2018 21:55:36 +0800

Item(s): Braun Buffel Belt

Package includes: Belt and box

Price: SOLD (bought for RM569 retail price)

Warranty: Lifetime free polish at any Braun Buffel outlet

Dealing method: COD or Postage

Location: Subang Jaya

Contact method/details: PM
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Item(s) conditions: Brand New

Picture:
[attachmentid=9655659] [attachmentid=9655660]

[attachmentid=9655661] [attachmentid=9655662]

[attachmentid=9655663] [attachmentid=9655664]

Reason for sale: Bought the wrong size for someone but unfortunately can't change as already got the BB outlet to punch an extra hole.

[WTS] Samsung Galaxy Note 8 - SME Set

Assclown — Wed, 20 Sep 2017 22:52:24 +0800

Item(s): Samsung Galaxy Note 8 SME Set, 64GB Orchid Grey (Sealed Unit)

Package includes: Everything as per sealed box

Price: SOLD

Warranty: 1 Year Warranty by Samsung Malaysia

Dealing method: COD

Location: Subang, Shah Alam, Petaling Jaya

Contact method/details: PM
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Item(s) conditions: Brand New in Box

[WTS] LG G3 32Gb Metallic Black

Assclown — Fri, 11 Nov 2016 21:34:31 +0800

Item(s): LG G3 32Gb Metallic Black (D855)

Package includes:
- Phone
- Charger
- Unopened Quadbeats 2 earphones
- Free LG G3 Ringke Slim case
- Free LG G3 rubber case
- Free extra Genuine LG battery
- Manuals

Price: SOLD

Warranty: 3 days personal warranty from me

Dealing method: COD

Location of seller: Subang Jaya

Contact method/details: PM

Age of item: 1 year plus

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Item(s) conditions: Great condition on the whole. You can judge from the pictures and inspect upon COD

Picture:

[attachmentid=8010680] [attachmentid=8010682]

[attachmentid=8010683] [attachmentid=8010684]

Reason for sale: Upgraded

[WTS] Seiko Retro Craft Automatic Watch

Assclown — Tue, 09 Aug 2016 21:19:11 +0800

Item(s): Seiko Retro Craft Automatic Watch (SNKN37K1)

Package includes:
1. Watch
2. Box
3. Manual
4. Warranty Card

Price: SOLD

Warranty: Plenty of warranty left

Dealing method: COD, Postage

Location of seller: Subang Jaya

Contact method/details: PM

Age of item: less than a year old

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Item(s) conditions: Like new, 9.9/10 (worn on less than 5 occasions)

Picture:
[attachmentid=7285726] [attachmentid=7285727]

[attachmentid=7285730] [attachmentid=7285733]

Reason for sale: Clearing collection

[WTS] Seiko Retro Craft Automatic Watch

Assclown — Tue, 02 Aug 2016 21:58:09 +0800

Item(s): Seiko Retro Craft Automatic Watch (SNKN37K1)

Package includes:
1. Watch
2. Box
3. Manual
4. Warranty Card

Price: SOLD

Warranty: Plenty of warranty left

Dealing method: COD, Postage

Location of seller: Subang Jaya

Contact method/details: PM

Age of item: less than a year old

---

Item(s) conditions: Like new, 9.9/10 (worn on less than 5 occasions)

Picture:
[attachmentid=7228690] [attachmentid=7228691]

[attachmentid=7228693] [attachmentid=7228696]

Reason for sale: Clearing collection

[WTS] Tissot Seastar 1000 Chronograph Automatic

Assclown — Sat, 09 Jul 2016 22:11:02 +0800

Item(s): Tissot Seastar 1000 Chronograph Automatic

Package includes: Watch and box

Price: SOLD

Dealing method: COD

Location of seller: Subang

Contact method/details: PM

Age of item: 3 years+

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Item(s) conditions: Good condition, keeping time well.

Picture:
[attachmentid=7051030] [attachmentid=7051041]

[attachmentid=7051044] [attachmentid=7051048]

[attachmentid=7051049] [attachmentid=7051050]

Reason for sale: Clearing collection