Friday, August 8, 2008

Share Latest Best Rates Info on your own web site

Did you observe the top right angle of this page shows you the Latest rates that a personal finance would ever care about ? Like this below ...





Well, now you can have the same widget display on your site for FREE !



Simple add this code to your site to display this GREAT powerful FREE info !

<iframe scrolling="no" frameborder="0" src="http://mtsen.com/malpf/bestrates.htm" marginheight="0" marginwidth="0"></iframe>

You can also hide malpf advs by using the following codes
<iframe scrolling="no" height="90px" frameborder="0" src="http://mtsen.com/malpf/bestrates.htm" marginheight="0" marginwidth="0"></iframe>

want more features ? comment here ...




Project Status
. Currently the data is manually compiled from Bank Negara web site, any help that can turn this into an automated process is much appreciated !
. Real technical folks please help make this into a 'real' widget with user configurable features if possible.


Thanks in advance !!


Silver Price

more formulas

Other than the common formula and also rule of 72, these are useful formulas too ...

Compound Interest Future Value

FV = PV * ( 1 + i )N

PV = present value

FV = future value (maturity value)

i = interest rate in percent per period

N = number of periods



Annuity

FV = PMT * [ ( ( 1 + i )N - 1 ) / i ]

FV = future value (maturity value)

PMT = payment per period

i = interest rate in percent per period

N = number of periods



Simple Interest Amortized Loan Formula

PV * ( 1 + i )N = PMT * [ ( 1 + i )N - 1 ] / i

PMT = the payment per period

i = interest rate in percent per period

PV = loan / mortgage amount

N = number of periods



Online Calculators

Calculation sample for Gold Pawn story : Case 2 & 5

Capital $10,000
Buying Unit Pirce : $1.00


Purchased Units = 10,000 x 1 = 10,000 units


Pawn to get 65% cash = 10,000 x 65% = $6,500
Use the money to buy again = 6,500 x 1 = 6,500 units


========= CASE 2


When unit price goes up 10% in one month to $1.10
Sell 6,500 units to take profit = 6,500 x 1.1 = $7,150
Use the money to pawn back : 7,150 - 6,500 = $650
Pay the pawn safe keeping fee, assuming the calculation is 6,500 x 0.75% / 12 = $4.06*note1
Sell the 10,000 units to take profit = 10,000 x 1.1 = $11,000


Total Earning is 11,000 + 650 - 4.06 = $11,645.94
Net Profit = 11,645.94 - 10,000 = 1,645.94
Profit Percentage : 1,645.94 / 10,000 = 16.46%


========= CASE 5


When unit price goes down 10% in one month to $0.90
Sell 6,500 units to take profit = 6,500 x 0.90 = $5,850
Use the money to pawn back : 5,850 - 6,500 = -$650
Pay the pawn safe keeping fee, same as above
Sell the 10,000 units to take profit = 10,000 x 0.90 = $9,000


Total Earning is 9,000 - 650 - 4.06 = $8,345.94
Net Profit = 8,345.94 - 10,000 = -1,654.06
Profit Percentage : -1,654.06 / 10,000 = -16.54%


16.46% vs 16.54% carries a 0.08% gap.


note1 : A more probable calculation method for the safe keeping fee is as followed :
10,000 x 0.75% = $75 per month


If we use this fee, then the differences are 15.75% vs -17.25% = 1.5% difference, not just the 0.08% small difference.


But in this Gold Pawn story, the key message is actually educating on the right way to determine if a Leverage technique should be adopted or not. How to compare 2 different leverage strategies etc. So the actual calculation is not that critical. Remember malpf's preaching ? ... you should run your own numbers and not just based on any other people's concept, not even malpf's.


Hope this helps ....

references

Trainings on Personal Finance in high school, 12 parts video
http://www.youtube.com/watch?v=BDWnmocgS2A&feature=player_embedded#!

Introduction to Personal Finance in 10 minutes
http://www.youtube.com/watch?v=BtbfbuFkuE8&NR=1

KLSE Stock Picks - Log

KNM - good buy below RM 0.49

Traded low break out of converging triangle, next support line is 0.40

19Feb support is at 0.41 and may gap over 0.43

20Feb side 0.41 0.425



HUAAN - good buy below RM 0.54

Downtrend with support at RM 0.220

19Feb support at 0.210 and may gap over 0.245

20Feb up0 0.225 0.235 gap



eyeing on

SCOMI - RM 1.02

20Feb down0 gap 0.325 0.350



HUBLINE - RM 0.96

20Feb side 0.195 0.220



WCT - RM 0.47

20Feb noVol up0 1.090 1.14



PBBANK - RM 3.35

20Feb side 9.050 9.25



KLK - RM 2.92

20Feb noVol 9.900 10.200 gap



CNI - RM 0.07

20Feb noVol side 0.185 0.210

Recommended Books

























Buy it HERE !

What could M A L P F stands for ?

Other than

.

.

Malaysia Personal Finance ... ... ...

Multiple Attitude and Leverage Personal Finance ... ... ...

毛 Personal Finance ... ... ...

没 Personal Finance ... ... ... (hakka)

My A grade Long lasting Personal Finance

.

What could possibly MalPF stands for ?
.
.
.
sacarstism also welcome, but if receive complains from other readers then I will keep the offending comments in private ...

Current Gold Price MYR per gram

old stuff









all the old stuff here ...



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check your credit in Malaysia

source


Self-Check

  1. CTOS Self Check : Do a "CTOS Self Check" and see what information has been collated in CTOS about you.
  2. Record/Settlement Update : If there are cases where you have made settlement but are not reflected in CTOS, you can have them updated by providing the necessary documentary proof. CTOS will insert a remark fo settlement/conclusion after receipt and verification of the proof submitted.
  3. Subject Comments : This is a facility that allows you to 'tell your side of the story'. Please contact us as to how you can do this. This facility is usually used by those who want the enquirer to know more about the cases listed and want to give more explanation to them. Your comments will be also shown to the enquirer upon an enquiry being made on you.
  4. CTOS Self Check is free.
  5. Procedure for doing Self Check :

    For Individual
    1. Download and complete Self Check Form - Individual
    2. Get copy of IC and have form verified by the Commissioner of Oaths
    3. You can come to CTOS office personally to conduct self-check

      Self Check Form

      PDF File | GIF File
    For Company
    1. Download Self Check Form - Company
    2. Complete the form and affix Company stamp
    3. Provide IC of Director doing the Self Check
    4. Provide certified copy of company Form 9 and Form 49
    5. Provide Company Authorisation Letter signed by Director to conduct company self-check.

      Self Check Form

      PDF File | GIF File

CTOS Sdn Bhd (209649-U)

Unit A-8-4, 8th Floor, Megan Avenue 1,

No 189, Jalan Tun Razak, 50400 Kuala Lumpur, Malaysia

Tel: 603-2770 8833 Fax: 603-2770 8834

E-mail: gen@ctos.com.my

Map





Obtaining Your Credit Report

With effect from March 2002, the Credit Bureau can upon request, disclose any credit information to any individual. In the past the Credit Bureau was empowered to disclose credit information only to the financial institutions.



The credit report can be obtained from Bank Negara Malaysia at no cost by following the steps below:



Request by individual

1) If you are from the Klang Valley , you may obtain the credit report from the Customer Service Centre, Laman Informasi Nasihat dan Khidmat (LINK) of Bank Negara Malaysia , Head Office at the following address:

LINK

Jabatan Komunikasi Korporat

Tingkat Bawah, Blok D

Bank Negara Malaysia

Jalan Dato' Onn

50480 Kuala Lumpur



LINK operates daily from Monday to Friday, 9.00 am - 5.00 pm (including lunch time ) except for public holidays .



Please bring along your MyKad and any other supporting documents that can verify your identity such as your driving licence or passport. The credit report will be given to you during the visit.

2) If you are from outside of Klang Valley , you may apply for the credit report by completing and sending us the following:

Please complete and send us the following:

  • Credit Report Request Form (CRR);
  • Loan Declaration Form;
  • A clear photocopy of your MyKad (both sides); and
  • Any combination of two other documents (with your name and address stated clearly on each copy) from the following:
    • Driving licence;
    • Passport;
    • Water bill;
    • Electricity bill; or
    • Telephone bill.

However, if the above documents are not available, you may provide alternative documents such as:

    • Bank account statement;
    • Credit card statement; or
    • EPF statement.

The Credit Report Request Form and Loan Declaration Form are available either by:-

  • Click here to download the form [PDF, 26K]; or
  • by requesting it from any of the Bank Negara Malaysia branches (Johor Bahru, Kuala Terengganu, Pulau Pinang, Kota Kinabalu and Kuching). Click here[PDF, 10K] for list of branches.

Please mail or fax the completed forms and supporting documents to BNMTELELINK, Bank Negara Malaysia at:



BNMTELELINK

Jabatan Komunikasi Korporat

Bank Negara Malaysia

Jalan Dato' Onn

P.O Box 10922

50929 Kuala Lumpur

Fax No: +603 2174 1515

Request by a business entity

Company

Only employee who is authorised by the company could collect the credit report. The authorised personnel should fill in the CRR and submit it together with a copy of the following documents:

  • a copy of identity card (MyKad) or passport (if you are a non-Malaysian) of the authorised person;
  • an authorisation letter (with letter head of the company) from the company to authorise the person to collect the credit report. The letter should be signed by the company secretary and two directors of the company ;
  • a certified true copy of Certificate of Registration of Company (Form 9) by company secretary;
  • a certified true copy of Certificate of Registration of Change Name of Company (Form 13) by company secretary, if applicable; and
  • a certified true copy of latest List of Directorship of Company (Form 49) by company secretary

* Please take note that the certified true copy must be at least two weeks (14 days) before the submission date of credit report request form.

Partnership/Sole Proprietor



It you are a sole proprietor or partnership, the credit information will reflect in the individual personal credit report. The application procedure is the same as obtaining the credit report for an individual.



Request for credit information of a deceased



The person who is authorised to collect the credit report should be an immediate next-of-kin i.e. wife, husband, children, parents or siblings ( if married, the 'next-of-kin' is always the spouse and if that person is not available, the order moves through children, parents and siblings). The request must strictly be accompanied with a CRR supported with a copy of the following documents:

  • a copy of death certificate;
  • a copy of identity card (MyKad) of the authorised person (next-of-kin); and
  • a copy of birth certificate / marriage certificate of the next-of-kin as proof of the relationship.

Request for credit information of a bedridden / medically invalid individual



The person who is authorised to collect the credit report should be an immediate next of kin i.e. wife, husband, children, parents or siblings ( if married, the 'next-of-kin' is always the spouse and if that person is not available, the order moves through children, parents and siblings) . The request must strictly be accompanied with a CRR form supported with a copy of the following documents:

  • a copy of identity card (MyKad) of the applicant;
  • a copy of identity card (MyKad) of the authorised person (next-of-kin);
  • a medical report verified by the doctor and hospital; and
  • a copy of birth certificate / marriage certificate of the next-of-kin as proof of the relationship.

If you are from outside of Klang Valley, please note that it will take 2 to 4 weeks to process your request. We will notify you via letter for the collection. The credit report can be collected from:

  • Bank Negara Malaysia branches; or
  • Financial institution as specified in your application form .

Thursday, August 7, 2008

Malaysia old Taxi Fares 2003-2008

Tambang Teksi Premier Lembah Klang| Premier Taxi Fares in Klang Valley


Meter (Jarak)

2 km Pertama

Setiap 200 meter berikutnya



Meter (Distance)

For the first 2 km

For every subsequent 200 meter


RM 4.00

RM 0.20





RM 4.00

RM 0.20
Meter (Masa)

2 Minit Pertama

Setiap 45 saat berikutnya



Meter (Time)

For the first 2 Minutes

For every subsequent 45 Seconds



RM 4.00

RM 0.20





RM 4.00

RM 0.20
Penumpang Tambahan

Melebihi 2 penumpang setiap seorang

(3 kanak-kanak dibawah 12 tahun

bersamaan 2 penumpang dewasa)



Additional Passengers

Exceeding 2 Passengers, each

(3 children below 12 years is

equipvalent to 2 adult passenger)



RM 1.00









RM 1.00



Surcaj Selepas Tengah Malam

(12.00 tengah malam hingga 6.00 pagi)

50% tambahan tambang meter



Surcharge after midnight

(12.00 midnight 6.00 pm)

50 % extra to the metered fares

Panggilan Teksi Melalui Telefon

Setiap Panggilan Telefon



Telephone/ Radiophone charges

for every taxi call



RM 2.00





RM 2.00



Ke KLIA Surchaj

Meter + Surcaj



To KLIA Surcharge

Meter + Surcharges

RM 15.00





RM 15.00

Barang-Barang Penumpang

Bagi Setiap Barang diletakkan

dalam bahagian Bagasi Luggage



For Luggage placed in the luggage

compartment


RM 1.00





RM 1.00



Dari Hentian Duta Surcaj

Meter + Surcaj



From Hentian Duta Surcharge

Meter + Surcharges


RM 1.50





RM 1.50

Tol Lebuhraya

Dibayar oleh Penumpang



Highway Toll charges

Paid by Passengers





Tambang Teksi Lembah Klang | Taxi Fares in Klang Valley


Meter (Jarak)

2 km Pertama

Setiap 150 meter berikutnya



Meter (Distance)

For the first 2 km

For every subsequent 150 meter


RM 2.00

RM 0.10





RM 2.00

RM 0.10
Meter (Masa)

2 Minit Pertama

Setiap 45 saat berikutnya



Meter (Time)

For the first 2 Minutes

For every subsequent 45 Seconds



RM 2.00

RM 0.10





RM 2.00

RM 0.10


Penumpang Tambahan

Melebihi 2 penumpang setiap seorang

(3 kanak-kanak dibawah 12 tahun

bersamaan 2 penumpang dewasa)



Additional Passengers

Exceeding 2 Passengers, each

(3 children below 12 years is

equipvalent to 2 adult passenger)



RM 0.20









RM 0.20



Surcaj Selepas Tengah Malam

(12.00 tengah malam hingga 6.00 pagi)

50% tambahan tambang meter



Surcharge after midnight

(12.00 midnight 6.00 pm)

50 % extra to the metered fares

Panggilan Teksi Melalui Telefon

Setiap Panggilan Telefon



Telephone/ Radiophone charges

For every taxi call



RM 1.00





RM 1.00

Ke KLIA Surchaj

Meter + Surcaj



To KLIA Surcharge

Meter + Surcharges

RM 15.00





RM 15.00



Barang-Barang Penumpang

Bagi Setiap Barang diletakkan

dalam bahagian Bagasi



Luggage

For Luggage placed in the luggage

compartment


RM 1.00







RM 1.00




Dari Hentian Duta Surcaj

Meter + Surcaj



From Hentian Duta Surcharge

Meter + Surcharges


RM 1.50





RM 1.50

Tol Lebuhraya

Dibayar oleh Penumpang



Highway Toll charges

Paid by Passengers


Tambang Teksi Luar Negeri | Taxi Fares Oustation
    SELANGOR
    City

    Jenjarum

    Beranang

    Banting

    Batu ArangBatang Berjuntai

    Dengkil

    Kuala Kubu Baru

    Kuala Selangor

    Kerling

    Kuang

    Morib

    Tanjung Malim
    RM

    54.00

    72.00

    60.00

    60.00

    48.00

    72.00

    72.00

    60.00

    84.00

    49.00

    72.00

    96.00
    City

    Sepang

    Salak Tinggi

    Sabak Bernam

    Sekinchan

    Semenyih

    Sungai Besar

    Tanjung Karang

    Tanjung Sepat

    Teluk Panglima Garang

    Ulu Langat

    Ulu Yam

    Rawang
    RM

    85.00

    85.00

    108.00

    86.00

    61.00

    96.00

    72.00

    97.00

    48.00

    48.00

    60.00

    48.00
    City

    Batu Laut

    Batu Tunggal

    Teluk Datok

    Serendah

    Kampar

    Behrang

    Kuala Langat

    Kelompang

    Kampung Suharto

    Jeram

    Rasa

    Bangi
    RM

    72.00

    72.00

    60.00

    60.00

    48.00

    108.00

    84.00

    84.00

    96.00

    54.00

    72.00

    49.00

    Back to top


      PERAK
      City

      Bagan Serai

      Bagan Datuk

      Batu Gajah

      Bidor

      Grik

      Ipoh

      Kuala Kangsar

      Kampar
      RM

      253.00

      145.00

      157.00

      145.00

      336.00

      169.00

      205.00

      157.00
      City

      Lumut

      Parit

      Parit Buntar

      Sungai Siput

      Setiawan

      Selama

      Slim River

      Malim Nawar
      RM

      253.00

      196.00

      287.00

      193.00

      228.00

      313.00

      21.00

      170.00
      City

      Taipin

      Teluk Intan

      Tanjung Tualang

      Tanjung Rambutan

      Tapah

      Manjung

      Lenggong
      RM

      229.00

      145.00

      169.00

      170.00

      145.00

      241.00

      264.00
      Back to top


        Negeri Sembilan
        City

        Air hitam

        Bahau

        Batu Kikir

        Gemas

        Gemenchih

        Johol

        Kuala Kelawang
        RM

        162.00

        124.00

        122.00

        160.00

        136.00

        136.00

        112.00
        City

        Kuala Pilah

        Manung

        Nilai

        Port Dickson

        Rantau

        Seremban

        Seri Meranti
        RM

        112.00

        61.00

        76.00

        112.00

        97.00

        76.00

        97.00
        City

        Simpang Renggam

        Tampin

        Rembau

        Senawang

        Jelebu
        RM

        136.00

        112.00

        88.00

        76.00

        112.00
        Back to top


          Pahang
          City

          Bentong

          Genting Highlands

          Bukit Ibam

          Benta

          Gambang

          Jerantut

          Kuantan
          RM

          100.00

          106.00

          302.00

          133.00

          211.00

          172.00

          220.00
          City

          Kuala Lipis

          Raub Pahang

          Cameron Highlands

          Karak

          Fraser Hill

          Mentakab

          Temerloh
          RM

          196.00

          148.00

          198.00

          112.00

          120.00

          136.00

          160.00
          City

          Cherating

          Rompin

          Awana

          Bukit Tinggi

          Taman Negara

          Pekan
          RM

          268.00

          300.00

          106.00

          106.00

          220.00

          230.00
          Back to top


            Melaka
            City

            Alor Gajah

            Merlimau

            Sungai Udang
            RM

            111.00

            135.00

            123.00
            City

            Melaka

            Durian Tunggal
            RM

            123.00

            111.00
            City

            Masjid Tanah

            Jasin
            RM

            123.00

            135.00
            Back to top


              Johor
              City

              Muar

              Segamat

              Mersing
              RM

              148.00

              172.00

              304.00
              City

              Air hitam - Johor

              Johor Bharu
              RM

              292.00

              304.00
              City

              Batu Pahat

              Keluang
              RM

              184.00

              292.00
              Back to top


                Terengganu
                City

                Besut

                Kemaman
                RM

                479.00

                315.00
                City

                Kuala Terengganu

                Marang
                RM

                485.00

                383.00
                City

                Kuala Dugun

                Kertih
                RM

                432.00

                455.00
                Back to top


                  Pulau Pinang
                  City

                  Butterworth
                  RM

                  326.00
                  City

                  Bukit Mertajam
                  RM

                  300.00
                  Back to top


                    Perlis
                    City

                    Kangar
                    RM

                    456.00
                    Back to top


                      Kedah
                      City

                      Alor Setar

                      Kulim
                      RM

                      455.00

                      325.00
                      City

                      Baling

                      Sungai Petani
                      RM

                      403.00

                      364.00
                      City

                      Jitra
                      RM

                      417.00
                      Back to top




                        Kelantan
                        City

                        Kota Bharu

                        Pasir Putih
                        RM

                        536.00

                        485.00
                        City

                        Kuala Krai

                        Rantau Panjang
                        RM

                        549.00

                        614.00
                        City

                        Pasir Mas

                        Tumpat
                        RM

                        588.00

                        549.00


                        Last Updated : June 2003

                        Intellectual Property of Aistein Systems Enterprise