Neighbor reised roof covering my solar

kuyaed — Sun, 04 Jan 2026 06:46:43 +0800

Our neighbor is currently renovating their house and I noticed they are raising thier roof. This will partially cast a shadow to my solar panels which would definitely affect the performance of my solar system.

What can I do about it?

My house is a double story linked house where we share a wall with our neighbors.

Back Extension

kuyaed — Thu, 03 Dec 2020 15:27:20 +0800

Hello gurus, can anyone give me an idea how much it will cost to extend the back of a double story house? The back of my house is 20x7.5 ft. I want the roof to be flat so can put a water tank.

Just for an architect fees, my contractor is quoting me 6k.

Bank Interest Calculation

kuyaed — Sat, 09 Dec 2017 03:13:15 +0800

Hi, please share if you know or were able to reverse engineer how banks calculate interest.

Banks normally give a simple calculation on how they calculate interest but most of the time we don't get the same result. I'm a fan of FDs and most of my FDs are in Maybank. So I one day just wondered if I could find out exactly how maybank calculate FD interest with high accuracy and I was able to do just that. +/- 1 sen due to rounding.

Maybank states that interest is calculated daily. So how much does RM100 with 3% interest earns in 1 day? First, we get the the 3% of 100 which is
100 * 0.03 = 3
Next we get the ratio of 1 day of all the days in the year which is normally 365 or 366 in a leap year. So for 2017 that will be 365.
1 / 365 = 0.00273972602739726027397260273973
You will need most of those decimal numbers to get really accurate results.
So the answer will be
3 * 0.00273972602739726027397260273973 = RM0.00821917808219178082191780821918

Do this for everyday your FD runs and add up the interest and you will get the same result on the day the interest is given like every month or 3 months or 6 months or yearly.

Of course we can simplify the ratio calculation by adding up the days. So in a monthly FD, you need to count the number of days from for example 5th Nov to 5th Dec which is 30 days.
30 / 365 = 0.08219178082191780821917808219178
Different months have different number of days so take note.

Now for some tricky part. What if you go over to the next year? If the next year have the same number of days as the previous year then the calculation will be the same. However if the number of days on the next year is different you will need to calculate 2 range of days separately for the different years. So, which year does Dec 31 to Jan 1 fall to? It falls under the previous year. Lets have this example: RM100, 3%, 1 month from 5th Dec 2016 to 5th Jan 2017.

5 Dec 2016 to 1 Jan 2017 = 27 days
1 Jan 2017 to 5 Jan 2017 = 4 days
27 / 366 = 0.0737704918
4 / 365 = 0.0109589041
3 * ( 0.0737704918 + 0.0109589041 ) = RM0.2541881877

The same calculation applies to saving accounts. It's just that savings account changes balance every time you make a transaction. So to compute the interest accurately, you will need to calculate the interest every time the balance changes at the end of the day. If there are multiple transactions within the day, you only need the final balance at the end of the day for your computation.

I tried to reverse engineer how credit card interest is calculated but was not able to get it accurately. Maybe because I have too little data to extrapolate the formula. I paid credit card interest only once in my life because I forgot to pay my MB2 credit card.

Hope you find this interesting. Please share if other banks compute their interest the same or if they have a different formula.

Lowyat.NET: Latest topics by kuyaed

Neighbor reised roof covering my solar

Back Extension

Bank Interest Calculation