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Malaysia Personal Finance: August 2008
Personal Finance, Stock market, Investing, Insurance, Mutual Fund
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 ...
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Simple add this code to your site to display this GREAT powerful FREE info !
You can also hide malpf advs by using the following codes
want more features ? comment here ...
. 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.
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Other than the common formula and also rule of 72, these are useful formulas too ...
FV = PV * ( 1 + i )N
FV = future value (maturity value)
i = interest rate in percent per period
N = number of periods
PMT = payment per period
Simple Interest Amortized Loan Formula
PMT = the payment per period
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Calculation sample for Gold Pawn story : Case 2 & 5
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
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
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
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
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 ....
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Trainings on Personal Finance in high school, 12 parts video
Introduction to Personal Finance in 10 minutes
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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
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
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Buy it HERE !
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What could M A L P F stands for ?
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 ...
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Current Gold Price MYR per gram
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all the old stuff here ...
My site is worthRM 25,917.09Your website value?
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Modify your HTML template to add the code below at the place where you want the widget to appear:
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check your credit in Malaysia
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 :
Download and complete Self Check Form - Individual
Get copy of IC and have form verified by the Commissioner of Oaths
You can come to CTOS office personally to conduct self-check
PDF File | GIF File
Download Self Check Form - Company
Complete the form and affix Company stamp
Provide IC of Director doing the Self Check
Provide certified copy of company Form 9 and Form 49
Provide Company Authorisation Letter signed by Director to conduct company self-check.
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
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:
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:
Tingkat Bawah, Blok D
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);
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:
However, if the above documents are not available, you may provide alternative documents such as:
Credit card statement; or
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:
Fax No: +603 2174 1515
Request by a business entity
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.
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 .
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Malaysia old Taxi Fares 2003-2008
Tambang Teksi Premier Lembah Klang| Premier Taxi Fares in Klang Valley
Setiap 200 meter berikutnya
For the first 2 km
For every subsequent 200 meter
Setiap 45 saat berikutnya
For the first 2 Minutes
For every subsequent 45 Seconds
Melebihi 2 penumpang setiap seorang
(3 kanak-kanak dibawah 12 tahun
bersamaan 2 penumpang dewasa)
Exceeding 2 Passengers, each
(3 children below 12 years is
equipvalent to 2 adult passenger)
Surcaj Selepas Tengah Malam
(12.00 tengah malam hingga 6.00 pagi)
50% tambahan tambang meter
(12.00 midnight 6.00 pm)
50 % extra to the metered fares
Panggilan Teksi Melalui Telefon
for every taxi call
Bagi Setiap Barang diletakkan
dalam bahagian Bagasi Luggage
For Luggage placed in the luggage
Dari Hentian Duta Surcaj
From Hentian Duta Surcharge
Tambang Teksi Lembah Klang | Taxi Fares in Klang Valley
Setiap 150 meter berikutnya
For the first 2 km
For every subsequent 150 meter
Setiap 45 saat berikutnya
For the first 2 Minutes
For every subsequent 45 Seconds
Melebihi 2 penumpang setiap seorang
(3 kanak-kanak dibawah 12 tahun
bersamaan 2 penumpang dewasa)
Exceeding 2 Passengers, each
(3 children below 12 years is
equipvalent to 2 adult passenger)
Surcaj Selepas Tengah Malam
(12.00 tengah malam hingga 6.00 pagi)
50% tambahan tambang meter
(12.00 midnight 6.00 pm)
50 % extra to the metered fares
Panggilan Teksi Melalui Telefon
For every taxi call
Bagi Setiap Barang diletakkan
For Luggage placed in the luggage
Dari Hentian Duta Surcaj
From Hentian Duta Surcharge
Tambang Teksi Luar Negeri | Taxi Fares Oustation
Air hitam - Johor
Last Updated : June 2003
Intellectual Property of Aistein Systems Enterprise
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Share Latest Best Rates Info on your own web site
Calculation sample for Gold Pawn story : Case 2 & 5
KLSE Stock Picks - Log
What could M A L P F stands for ?
Current Gold Price MYR per gram
check your credit in Malaysia
Malaysia old Taxi Fares 2003-2008
Search All Personal Finance Sites
FTSE Bursa Malaysia Large 30 Index
web stuff for MalPF
Terms used in a Will
Original Interview : FatherSez
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Even when you don't know what to do - - - SAVE FIRST !
Car Loan is 1.9x of Home Loan ?
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