## 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 !

`<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.

### 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

## 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

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

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

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

Melaka
 CityAlor GajahMerlimauSungai Udang RM111.00135.00123.00 CityMelakaDurian Tunggal RM123.00111.00 CityMasjid TanahJasin RM123.00135.00

Johor
 CityMuarSegamatMersing RM148.00172.00304.00 CityAir hitam - JohorJohor Bharu RM292.00304.00 CityBatu PahatKeluang RM184.00292.00

Terengganu
 CityBesutKemaman RM479.00315.00 CityKuala TerengganuMarang RM485.00383.00 CityKuala DugunKertih RM432.00455.00

Pulau Pinang
 CityButterworth RM326.00 CityBukit Mertajam RM300.00

Perlis
 CityKangar RM456.00

Kedah
 CityAlor SetarKulim RM455.00325.00 CityBalingSungai Petani RM403.00364.00 CityJitra RM417.00