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>

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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.

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 .

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