Comments for KL Walker

Comment on ASB investment on Loan or Monthly bank-in? by DMoney

DMoney — Tue, 03 Nov 2009 05:00:10 +0000

Check here for ASB deviden year 2009 2010

Comment on Remove or Disable Opera Mail client by Gammx1

Gammx1 — Sun, 01 Nov 2009 00:29:21 +0000

Hi,
I wish to integrate Opera 10.0.1 with my interactive app. to run from non writable media like CD or DVD…
I used the OperaUSB recent release from http://www.opera-usb.com/operausben.htm that works perfect from USB and not still well from CD jus because some Pop-up alerts saying that the email email will mot work.
How can I dissable this alerts or even better, how can I disable the Opera eMail & News Client inside this Opera Pack.
Thanks in advance,
Rgrds,
GammX1

Comment on Yahoo Messenger Hidden Emoticons by Cameron Waterman

Cameron Waterman — Tue, 18 Aug 2009 14:12:53 +0000

Thesde are kl(cool)

Comment on ASB investment on Loan or Monthly bank-in? by zulkaarnain

zulkaarnain — Fri, 03 Jul 2009 02:53:25 +0000

ASB Loan.

Try with this scenario,

Take ASB loan for 20 year, for whatever amount(Limit to 100K). With the BLR (latest rate).

The idea is we just pay the loan half way only ( 8 year to 10 year).and PLEASE do not take out the dividend during this period.

The next step, either we Surrender or Pay all the balance to the BANK with the dividend received from ASB .

FROM calculation, we make more money than put our money every month to the ASB.

There is no charge fee ,if more than 3 year service with the bank.

My 50 cent thought (Bad English)

Comment on ASB investment on Loan or Monthly bank-in? by sal

sal — Sun, 21 Jun 2009 11:38:42 +0000

Sebenarnya ramai orang tidak tahu hakikat sebenar Pinjaman Peribadi (Personal Loan) ni. Kalau personal loan itu dikira secara straight-calculation (seperti pinjaman kereta yang mempunyai fixed-interest), interest sebenar yang dicaj tidak sama dengan interest yang dipamerkan.

Pinjaman untuk 5 tahun pada 7.05%
Interest sebenar pada kadar APR = 12.6%

Pinjaman untuk 7 tahun pada 7.55%
Interest sebenar pada kadar APR = 13%

Walaupun nama pinjaman Islamik, pengiraan semua cara konvensional. Masalahnya, walaupun di dalam surat perjanjian ada tercatat interest sebenar dikira mengikut APR (Annual Percentage Rate), sesetengah bank tidak telus dengan TIDAK menyatakan kadar interest sebenar ini semasa berurusan dengan pelanggan. Sebaliknya mereka mengguna published rate 7.05% & 7.55% sehingga membuatkan pelanggan seperti anda menyangka mendapat faedah pinjaman peribadi yang rendah seperti pinjaman ASB Loan yang berasaskan kadar BLR 7%.

Kalau melabur ke ASB guna personal loan pada kadar interest 12-13% setahun, dan duit itu tadi dilabur dalam ASB yang cuma beri 7-8% setahun, nampak seperti tidak rasional. Sebaik-baik pelaburan adalah guna duit sendiri, dan bukannya dengan duit yang dipinjam (duit hutang).

Katakanlah anda pinjam RM 10,000 pada kadar 7.05% untuk 5 tahun. Interest sebenar 12.6% dan bayaran bulanan adalah RM 226 . Jumlah pembayaran selepas 60 bulan = RM 13,560.

Simpan duit RM10,000 itu dalam ASB yang beri faedah 7% setahun. Selepas 5 tahun, ia menjadi RM 14,025, dengan syarat dividen ASB dilabur semula.

Keuntungan yang anda dapat selepas 5 tahun bersusah payah bayar pinjaman
= RM 14,025 - RM 13,560 = RM 465 sahaja.

Alternatively, kalau anda simpan RM226 sebulan dalam ASB yang beri 7% setahun untuk 5 tahun,
Total Contribution = RM 13,560
Total Investment Value selepas 5 tahun menabung = RM 16,274.

As you can see, menabung dengan duit sendiri sebenarnya lebih untung, kerana pulangan lebih tinggi dan pulangan tersebut anda dapat bersih, tanpa disapu oleh pihak bank melalui interest yang dikenakan ke atas pinjaman peribadi ada. Masalah disiplin atau tidak, sebenarnya adalah isu peribadi. Mengapa bila berhutang boleh disiplin bayar RM226 sebulan tanpa gagal, sedangkan jika menyimpan RM226 sebulan anda akan dapat lebih dari itu?

Comment on MM2H identity cards for expatriates by klseesea

klseesea — Sun, 10 May 2009 02:42:45 +0000

We will never know who “fit” within those terms. I’m sure they actually want “professional” from abroad to live here.

Comment on MM2H identity cards for expatriates by Erik Olsson

Erik Olsson — Thu, 07 May 2009 00:48:07 +0000

I recently read that one of the reasons the MM2H programme was being rebranded was because the programme was attracting the “wrong” type of applicant. I was wondering what is the “right” type of applicant?

Comment on ASB investment on Loan or Monthly bank-in? by nizam

nizam — Sun, 29 Mar 2009 12:47:46 +0000

We cannot predict BLR to be low.. once the BLR > ASB dividen, you have to pay higher which means monthly deposit is always better than ASB loan

Comment on Bandar Tasik Selatan Integrated Terminal by admin

admin — Wed, 18 Mar 2009 02:14:00 +0000

Currently the ongoing project South Integrated Terminal, must be able to foresee this future requirements. It could be better if there is a bridge interconnected between the new terminals and both side of MRR2 for pedestrian.
KL is still long way to match Tokyo mesh of railways and public transport.

Comment on Bandar Tasik Selatan Integrated Terminal by yana

yana — Thu, 12 Mar 2009 08:10:13 +0000

it was good in term of passenger concern but there is no enhancement practices to ensure public user interest to use this terminal. i suggest the developer should provide internal and external services such escalators and shuffle bus in the movement passengers to terminal because it was quite huge to walk across 50 hectar. as what i knew this terminal is only levarage on facilty and quite comfortable but not the accessibilty to users. hope so the operators will improve the terminal.