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 ...

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

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

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

Introduction to Personal Finance in 10 minutes

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:'`

source

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

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

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

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

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

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

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

Pulau Pinang
 City Butterworth RM 326.00 City Bukit Mertajam RM 300.00

Perlis
 City Kangar RM 456.00