## 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 !!

### 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

### What could M A L P F stands for ?

Other than

.

.

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

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

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 ...

### old stuff

all the old stuff here ...

1. ### How can I customize the placement of the widget on my blog?

Modify your HTML template to add the code below at the place where you want the widget to appear:

2. ### How can I customize the text that appears above the widget?

Modify your HTML template to include the code below:

`linkwithin_text='Your custom text:'`

### check your credit in Malaysia

source

 CTOS Self Check : Do a "CTOS Self Check" and see what information has been collated in CTOS about you.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.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.CTOS Self Check is free.Procedure for doing Self Check :For IndividualDownload and complete Self Check Form - IndividualGet copy of IC and have form verified by the Commissioner of OathsYou can come to CTOS office personally to conduct self-checkPDF File | GIF FileFor CompanyDownload Self Check Form - CompanyComplete the form and affix Company stampProvide IC of Director doing the Self CheckProvide certified copy of company Form 9 and Form 49Provide Company Authorisation Letter signed by Director to conduct company self-check.PDF File | GIF FileCTOS Sdn Bhd (209649-U)Unit A-8-4, 8th Floor, Megan Avenue 1,No 189, Jalan Tun Razak, 50400 Kuala Lumpur, MalaysiaTel: 603-2770 8833 Fax: 603-2770 8834E-mail: gen@ctos.com.myMap

 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 individual1) 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:LINKJabatan Komunikasi KorporatTingkat Bawah, Blok DBank Negara MalaysiaJalan Dato' Onn50480 Kuala LumpurLINK 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); andAny 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; orTelephone bill.However, if the above documents are not available, you may provide alternative documents such as:Bank account statement;Credit card statement; orEPF statement.The Credit Report Request Form and Loan Declaration Form are available either by:-Click here to download the form [PDF, 26K]; orby 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:BNMTELELINKJabatan Komunikasi KorporatBank Negara MalaysiaJalan Dato' OnnP.O Box 1092250929 Kuala LumpurFax No: +603 2174 1515Request by a business entityCompanyOnly 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; anda 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); anda 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; anda 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; orFinancial 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 PertamaSetiap 200 meter berikutnyaMeter (Distance)For the first 2 kmFor every subsequent 200 meter RM 4.00RM 0.20RM 4.00RM 0.20 Meter (Masa)2 Minit PertamaSetiap 45 saat berikutnyaMeter (Time)For the first 2 MinutesFor every subsequent 45 Seconds RM 4.00RM 0.20RM 4.00RM 0.20 Penumpang TambahanMelebihi 2 penumpang setiap seorang(3 kanak-kanak dibawah 12 tahunbersamaan 2 penumpang dewasa)Additional PassengersExceeding 2 Passengers, each(3 children below 12 years isequipvalent to 2 adult passenger) RM 1.00RM 1.00 Surcaj Selepas Tengah Malam(12.00 tengah malam hingga 6.00 pagi)50% tambahan tambang meterSurcharge after midnight(12.00 midnight 6.00 pm)50 % extra to the metered fares Panggilan Teksi Melalui TelefonSetiap Panggilan TelefonTelephone/ Radiophone chargesfor every taxi call RM 2.00RM 2.00 Ke KLIA SurchajMeter + SurcajTo KLIA SurchargeMeter + Surcharges RM 15.00RM 15.00 Barang-Barang PenumpangBagi Setiap Barang diletakkandalam bahagian Bagasi LuggageFor Luggage placed in the luggagecompartment RM 1.00RM 1.00 Dari Hentian Duta SurcajMeter + SurcajFrom Hentian Duta SurchargeMeter + Surcharges RM 1.50RM 1.50 Tol LebuhrayaDibayar oleh PenumpangHighway Toll chargesPaid by Passengers

Tambang Teksi Lembah Klang | Taxi Fares in Klang Valley

 Meter (Jarak)2 km PertamaSetiap 150 meter berikutnyaMeter (Distance)For the first 2 kmFor every subsequent 150 meter RM 2.00RM 0.10RM 2.00RM 0.10 Meter (Masa)2 Minit PertamaSetiap 45 saat berikutnyaMeter (Time)For the first 2 MinutesFor every subsequent 45 Seconds RM 2.00RM 0.10RM 2.00RM 0.10 Penumpang TambahanMelebihi 2 penumpang setiap seorang(3 kanak-kanak dibawah 12 tahunbersamaan 2 penumpang dewasa)Additional PassengersExceeding 2 Passengers, each(3 children below 12 years isequipvalent to 2 adult passenger) RM 0.20RM 0.20 Surcaj Selepas Tengah Malam(12.00 tengah malam hingga 6.00 pagi)50% tambahan tambang meterSurcharge after midnight(12.00 midnight 6.00 pm)50 % extra to the metered fares Panggilan Teksi Melalui TelefonSetiap Panggilan TelefonTelephone/ Radiophone chargesFor every taxi call RM 1.00RM 1.00 Ke KLIA SurchajMeter + SurcajTo KLIA SurchargeMeter + Surcharges RM 15.00RM 15.00 Barang-Barang PenumpangBagi Setiap Barang diletakkandalam bahagian BagasiLuggageFor Luggage placed in the luggagecompartment RM 1.00RM 1.00 Dari Hentian Duta SurcajMeter + SurcajFrom Hentian Duta SurchargeMeter + Surcharges RM 1.50RM 1.50 Tol LebuhrayaDibayar oleh PenumpangHighway Toll chargesPaid by Passengers

Tambang Teksi Luar Negeri | Taxi Fares Oustation
SELANGOR
 CityJenjarumBeranangBantingBatu ArangBatang BerjuntaiDengkilKuala Kubu BaruKuala SelangorKerlingKuangMoribTanjung Malim RM54.0072.0060.0060.0048.0072.0072.0060.0084.0049.0072.0096.00 CitySepangSalak TinggiSabak BernamSekinchanSemenyihSungai BesarTanjung KarangTanjung SepatTeluk Panglima GarangUlu LangatUlu YamRawang RM85.0085.00108.0086.0061.0096.0072.0097.0048.0048.0060.0048.00 CityBatu LautBatu TunggalTeluk DatokSerendahKamparBehrangKuala LangatKelompangKampung SuhartoJeramRasaBangi RM72.0072.0060.0060.0048.00108.0084.0084.0096.0054.0072.0049.00
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PERAK
 CityBagan SeraiBagan DatukBatu GajahBidorGrikIpohKuala KangsarKampar RM253.00145.00157.00145.00336.00169.00205.00157.00 CityLumutParitParit BuntarSungai SiputSetiawanSelamaSlim RiverMalim Nawar RM253.00196.00287.00193.00228.00313.0021.00170.00 CityTaipinTeluk IntanTanjung TualangTanjung RambutanTapahManjungLenggong RM229.00145.00169.00170.00145.00241.00264.00
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Negeri Sembilan
 CityAir hitamBahauBatu KikirGemasGemenchihJoholKuala Kelawang RM162.00124.00122.00160.00136.00136.00112.00 CityKuala PilahManungNilaiPort DicksonRantauSerembanSeri Meranti RM112.0061.0076.00112.0097.0076.0097.00 CitySimpang RenggamTampinRembauSenawangJelebu RM136.00112.0088.0076.00112.00
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Pahang
 CityBentongGenting HighlandsBukit IbamBentaGambangJerantutKuantan RM100.00106.00302.00133.00211.00172.00220.00 CityKuala LipisRaub PahangCameron HighlandsKarakFraser HillMentakabTemerloh RM196.00148.00198.00112.00120.00136.00160.00 CityCheratingRompinAwanaBukit TinggiTaman NegaraPekan RM268.00300.00106.00106.00220.00230.00
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Melaka
 CityAlor GajahMerlimauSungai Udang RM111.00135.00123.00 CityMelakaDurian Tunggal RM123.00111.00 CityMasjid TanahJasin RM123.00135.00
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Johor
 CityMuarSegamatMersing RM148.00172.00304.00 CityAir hitam - JohorJohor Bharu RM292.00304.00 CityBatu PahatKeluang RM184.00292.00
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Terengganu
 CityBesutKemaman RM479.00315.00 CityKuala TerengganuMarang RM485.00383.00 CityKuala DugunKertih RM432.00455.00
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Pulau Pinang
 CityButterworth RM326.00 CityBukit Mertajam RM300.00
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Perlis
 CityKangar RM456.00
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Kedah
 CityAlor SetarKulim RM455.00325.00 CityBalingSungai Petani RM403.00364.00 CityJitra RM417.00
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Kelantan
 CityKota BharuPasir Putih RM536.00485.00 CityKuala KraiRantau Panjang RM549.00614.00 CityPasir MasTumpat RM588.00549.00

Last Updated : June 2003

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