KEMAHIRAN MENJAWAB SOALAN KPS SAINS PMRDOWNLOAD

NOTA PMR SCIENCE 55

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NOTA KIMIA

NOTA KIMIA 2011

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Ceramah Ustaz Shamsuri yang mempunyai 2 tajuk iaitu Wanita Dan Isi Neraka dan Terlondeh. Semoga bermanfaat.

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TRIAL PMR SCIENCE KELANTAN 2010

Question 1: Form 2 - Pyramid numbers
Question 2: Form 2 - Electrolysis
Question 3: Form 1 - Matter/Reaction of metal and sulphur
Question 4: Form 1 - Density
Question 5: Form 3 - Plant Transport System
Question 6: Form 3 - Transmission and Distribution of Electricity
Question 7: Form 3 - Reproductions (Plants)
Question 8: Form 2 - Air Pressure

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Personal Loan or Loan ASB

Personal Loan or Loan ASB

Memandangkan OD tgh freeze untuk individu, ditambah pulak dengan pakej Personal Loan yg semakin rendah, ada yg bertanya, untuk invest di ASB, mana better….buat Personal Loan dan masukkan duit tersebut di ASB, atau buat Loan ASB.
Mari buat perbandingan…katakan anda nak ambil pakej interest PL yg paling rendah…kalau Bank Rakyat, 3.25% utk 3 tahun…ambil amount loan RM30k…berikut adalah kira2 bagi perbandingan dengan Loan ASB (pakej CIMB) bagi tempoh tahun yg sama.

kenapa monthly payment Loan ASB lebih rendah sedangkan interest lebih tinggi dari PL?
=> interest PL adalah Fixed Rate…manakala Loan ASB adalah Monthly Rest (based on reducing balance)…disini ada penjelasan Daily rest, Monthly rest or Fixed rate?
tgk pada diatas, loan amount adalah modal bagi simpanan di ASB…sekarang ni dua-dua modal bagi simpanan di ASB adalah RM30k…maknaya dividen yg akan dapat tetap sama…tgk pada monthly payment pun tak byk beza
Jadi mana yg lebih baik?
Pada pandangan sy, bagi yg betul mempunyai hasrat utk menyimpan, adalah lebih baik ambil Loan ASB…sbb simpanan 30k tu adalah dlm bentuk sijil…anda tak boleh keluarkan selagi belum selesai tempoh loan..berbanding dgn buat PL, simpanan di ASB tu bile2 bleh kuar…takut nanti defeat the purpose anda utk menyimpan

How to calculate Rebate for Fixed Rate Financing

How to calculate Rebate for Fixed Rate Financing

After half way paying your personal loan or hire purchase loan, you would like to do full settlement and would like to know how much rebate you could get. The simple way is to call bank, and get them to provide with the information…api bagus juga kalau kite tahu sendiri mcmmane nak kira…senang nak planning…tak payah everytime call bank
Please see example below for the calculation.
You borrow RM50,000 for a personal loan or hire purchase (fixed rate loan).

After paying for 5 years, or 60 months of installments, you would like to pay off your loan (full settlement). So you will get rebate for the remaining 24 months (84 months – 60 months).
The calculation of rebate is as follows: